Sierra Pacific Mortgage Company Rates, Fees & Info

Los Angeles, CA

LEI: 254900TTZ395IC926125

Tax ID: 68-0101170

1 stars - Updated: 3/4/24 - out of 5 stars, based on 102 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Sierra Pacific Mortgage Company is a mid-sized mortgage company specializing in Home Purchase loans. Sierra Pacific Mortgage Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Bakersfield, Sacramento, Los Angeles, Miami, and Portland among others. We have data for 393 markets. (Some data included below & more in-depth data is available with an active subscription.)

Sierra Pacific Mortgage Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Sierra Pacific Mortgage Company is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.75% 3/4/24
30 Year Conventional Refi 6.49% 3/4/24
30 Year Cash-out Refi 6.72% 3/4/24
30 Year FHA Purchase 7.42% 3/4/24
30 Year FHA Refi 6.98% 3/4/24
30 Year VA Purchase 6.34% 3/4/24
30 Year VA Refi 5.81% 3/4/24
30 Year USDA Purchase 6.88% 3/4/24
30 Year USDA Refi 6.65% 3/4/24
15 Year Conventional Purchase 6.24% 3/4/24
15 Year Conventional Refi 6.09% 3/4/24
15 Year Cash-out Refi 6.09% 3/4/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Sierra Pacific Mortgage Company Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Sierra Pacific Mortgage Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

10,469

Origination Dollar Volume (All Markets)

$3,525,735,000
Show all (35) awards

Relative Rate

Sierra Pacific Mortgage Company's average 30 year fixed mortgage rate was 4.89%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.13%.

Relative Fees (Closing Costs)

Sierra Pacific Mortgage Company's average total fees/closing costs for a 30 year fixed rate mortgage were $10,282.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
BAKERSFIELD, CA (FHA|USDA|VA) 779 $232,485,000 $298,440 $8,998 4.87%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 530 $206,320,000 $389,283 $8,364 4.82%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 335 $195,455,000 $583,448 $9,854 4.76%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 505 $187,245,000 $370,782 $11,757 5.07%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 453 $182,315,000 $402,461 $7,157 4.41%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 328 $107,870,000 $328,872 $8,094 4.53%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 326 $102,950,000 $315,798 $8,127 4.64%
WICHITA, KS (FHA|USDA|VA) 441 $92,065,000 $208,764 $5,803 5.20%
FRESNO, CA (FHA|USDA|VA) 262 $88,070,000 $336,145 $8,236 4.68%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 150 $82,000,000 $546,667 $11,313 4.95%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 220 $81,280,000 $369,455 $9,086 4.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 212 $73,810,000 $348,160 $9,303 5.11%
Outside of Metro Areas 286 $72,540,000 $253,636 $7,154 4.71%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 181 $71,805,000 $396,713 $10,025 4.73%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 144 $63,070,000 $437,986 $12,323 4.83%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 122 $61,490,000 $504,016 $9,544 4.72%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 170 $60,210,000 $354,176 $6,387 4.96%
MADERA, CA (FHA|USDA|VA) 166 $59,000,000 $355,422 $8,375 4.92%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 186 $45,890,000 $246,720 $8,149 4.91%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 86 $42,120,000 $489,767 $7,990 4.25%
LOGAN, UT-ID (FHA|USDA|VA) 103 $39,155,000 $380,146 $7,339 5.25%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 118 $39,110,000 $331,441 $6,438 4.74%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 114 $38,060,000 $333,860 $9,837 5.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 81 $35,485,000 $438,086 $7,794 4.79%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 69 $34,355,000 $497,899 $10,207 4.61%
SALT LAKE CITY, UT (FHA|USDA|VA) 70 $32,220,000 $460,286 $9,505 5.44%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 65 $31,345,000 $482,231 $14,394 3.90%
KANSAS CITY, MO-KS (FHA|USDA|VA) 100 $28,220,000 $282,200 $4,492 5.12%
SPARTANBURG, SC (FHA|USDA|VA) 121 $26,935,000 $222,603 $6,884 4.69%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 82 $26,180,000 $319,268 $9,239 4.96%
STOCKTON, CA (FHA|USDA|VA) 67 $26,115,000 $389,776 $9,950 4.73%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 80 $25,940,000 $324,250 $8,490 4.92%
KNOXVILLE, TN (FHA|USDA|VA) 91 $25,495,000 $280,165 $9,935 4.79%
Klamath Falls, OR (FHA|USDA|VA) 99 $24,865,000 $251,162 $7,111 4.19%
PROVO-OREM, UT (FHA|USDA|VA) 50 $23,030,000 $460,600 $8,825 5.33%
LANCASTER, PA (FHA|USDA|VA) 100 $22,810,000 $228,100 $6,982 5.21%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 65 $20,685,000 $318,231 $8,298 4.69%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 42 $20,280,000 $482,857 $5,939 4.50%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 31 $19,715,000 $635,968 $9,654 5.01%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 82 $19,300,000 $235,366 $5,978 4.76%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 70 $19,290,000 $275,571 $8,560 4.15%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 74 $18,690,000 $252,568 $5,341 5.27%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 49 $18,055,000 $368,469 $10,901 5.12%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 64 $17,750,000 $277,344 $7,982 4.59%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 39 $16,865,000 $432,436 $5,916 4.40%
JOHNSON CITY, TN (FHA|USDA|VA) 65 $16,255,000 $250,077 $7,648 5.42%
SALEM, OR (FHA|USDA|VA) 47 $16,085,000 $342,234 $8,472 4.61%
PUNTA GORDA, FL (FHA|USDA|VA) 57 $15,955,000 $279,912 $8,904 5.01%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 38 $15,830,000 $416,579 $8,098 5.22%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 54 $15,050,000 $278,704 $8,356 4.95%
WORCESTER, MA-CT (FHA|USDA|VA) 46 $14,830,000 $322,391 $8,579 5.18%
VALLEJO, CA (FHA|USDA|VA) 33 $14,785,000 $448,030 $10,794 4.98%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 29 $13,795,000 $475,690 $11,011 4.63%
ALBANY-LEBANON, OR (FHA|USDA|VA) 35 $12,985,000 $371,000 $9,927 4.64%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 48 $12,960,000 $270,000 $6,998 4.05%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 52 $12,780,000 $245,769 $6,629 4.47%
RICHMOND, VA (FHA|USDA|VA) 47 $12,395,000 $263,723 $6,600 4.30%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 49 $12,375,000 $252,551 $9,495 5.02%
Newport, OR (FHA|USDA|VA) 38 $12,320,000 $324,211 $7,620 4.43%
Gardnerville Ranchos, NV (FHA|USDA|VA) 31 $12,125,000 $391,129 $7,096 4.02%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 56 $11,890,000 $212,321 $8,031 5.48%
MODESTO, CA (FHA|USDA|VA) 29 $10,425,000 $359,483 $10,112 5.23%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 32 $10,230,000 $319,688 $7,499 4.85%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 27 $9,935,000 $367,963 $10,040 5.56%
VISALIA, CA (FHA|USDA|VA) 39 $9,685,000 $248,333 $8,492 5.01%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 26 $9,450,000 $363,462 $8,397 4.69%
EL CENTRO, CA (FHA|USDA|VA) 32 $8,810,000 $275,313 $9,809 4.46%
BOISE CITY, ID (FHA|USDA|VA) 20 $8,700,000 $435,000 $10,927 4.92%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 40 $8,600,000 $215,000 $6,485 4.88%
JACKSONVILLE, FL (FHA|USDA|VA) 27 $8,525,000 $315,741 $8,758 4.62%
SALINAS, CA (FHA|USDA|VA) 14 $8,430,000 $602,143 $9,221 4.27%
Heber, UT (FHA|USDA|VA) 16 $8,330,000 $520,625 $9,660 5.44%
YORK-HANOVER, PA (FHA|USDA|VA) 39 $8,175,000 $209,615 $7,735 5.01%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 29 $8,055,000 $277,759 $8,146 4.97%
PORT ST. LUCIE, FL (FHA|USDA|VA) 26 $7,980,000 $306,923 $9,427 5.15%
COLORADO SPRINGS, CO (FHA|USDA|VA) 19 $7,945,000 $418,158 $12,383 4.80%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 32 $7,930,000 $247,813 $8,363 4.71%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 28 $7,890,000 $281,786 $8,067 4.82%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 25 $7,855,000 $314,200 $6,090 4.87%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 25 $7,835,000 $313,400 $5,547 3.59%
YUBA CITY, CA (FHA|USDA|VA) 23 $7,595,000 $330,217 $747,343 5.29%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 16 $6,930,000 $433,125 $7,423 4.34%
ST. GEORGE, UT (FHA|USDA|VA) 13 $6,895,000 $530,385 $11,138 4.99%
RENO, NV (FHA|USDA|VA) 18 $6,840,000 $380,000 $6,772 4.07%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 29 $6,725,000 $231,897 $7,356 4.64%
CORVALLIS, OR (FHA|USDA|VA) 16 $6,310,000 $394,375 $10,060 4.33%
MEDFORD, OR (FHA|USDA|VA) 18 $6,310,000 $350,556 $7,994 4.37%
SALISBURY, MD-DE (FHA|USDA|VA) 22 $6,250,000 $284,091 $8,957 4.27%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 15 $6,135,000 $409,000 $11,927 4.85%
BEND, OR (FHA|USDA|VA) 14 $6,050,000 $432,143 $7,227 4.44%
REDDING, CA (FHA|USDA|VA) 18 $5,690,000 $316,111 $9,581 5.10%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 18 $5,660,000 $314,444 $5,469 4.62%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 14 $5,540,000 $395,714 $8,612 5.03%
MORGANTOWN, WV (FHA|USDA|VA) 22 $5,330,000 $242,273 $9,136 5.61%
JACKSONVILLE, NC (FHA|USDA|VA) 21 $5,315,000 $253,095 $6,005 4.72%
LOUISVILLE, KY (FHA|USDA|VA) 25 $4,855,000 $194,200 $5,894 4.89%
Truckee-Grass Valley, CA (FHA|USDA|VA) 11 $4,805,000 $436,818 $10,027 4.75%
Fairmont, WV (FHA|USDA|VA) 26 $4,610,000 $177,308 $8,550 5.16%
MERCED, CA (FHA|USDA|VA) 14 $4,600,000 $328,571 $9,689 4.74%
WINCHESTER, VA-WV (FHA|USDA|VA) 14 $4,410,000 $315,000 $7,528 5.32%
Hermiston-Pendleton, OR (FHA|USDA|VA) 18 $4,320,000 $240,000 $8,397 4.40%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 15 $4,255,000 $283,667 $7,771 5.30%
CHICO, CA (FHA|USDA|VA) 13 $4,045,000 $311,154 $8,720 4.64%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $3,975,000 $441,667 $10,715 4.87%
MORRISTOWN, TN (FHA|USDA|VA) 19 $3,895,000 $205,000 $8,684 4.93%
Gaffney, SC (FHA|USDA|VA) 16 $3,860,000 $241,250 $8,185 5.26%
Clarksburg, WV (FHA|USDA|VA) 25 $3,765,000 $150,600 $6,547 5.05%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 13 $3,645,000 $280,385 $7,544 4.79%
LONGVIEW, WA (FHA|USDA|VA) 12 $3,630,000 $302,500 $4,884 4.74%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 12 $3,610,000 $300,833 $7,998 4.90%
Clearlake, CA (FHA|USDA|VA) 10 $3,360,000 $336,000 $9,078 4.84%
TUCSON, AZ (FHA|USDA|VA) 10 $3,340,000 $334,000 $7,940 4.54%
GAINESVILLE, FL (FHA|USDA|VA) 12 $3,310,000 $275,833 $8,605 5.23%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 17 $3,265,000 $192,059 $6,941 5.36%
OKLAHOMA CITY, OK (FHA|USDA|VA) 12 $3,220,000 $268,333 $7,064 5.57%
Roseburg, OR (FHA|USDA|VA) 14 $3,080,000 $220,000 $5,595 4.58%
CARSON CITY, NV (FHA|USDA|VA) 9 $3,065,000 $340,556 $7,523 4.24%
Key West, FL (FHA|USDA|VA) 5 $2,925,000 $585,000 $15,677 5.55%
NAPA, CA (FHA|USDA|VA) 7 $2,755,000 $393,571 $9,754 4.80%
MONTGOMERY, AL (FHA|USDA|VA) 9 $2,735,000 $303,889 $6,650 3.79%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 7 $2,725,000 $389,286 $7,287 4.32%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 10 $2,650,000 $265,000 $8,693 5.75%
GREELEY, CO (FHA|USDA|VA) 9 $2,645,000 $293,889 $7,848 4.21%
JACKSON, TN (FHA|USDA|VA) 13 $2,595,000 $199,615 $6,815 3.65%
Sonora, CA (FHA|USDA|VA) 8 $2,490,000 $311,250 $6,996 4.61%
Crescent City, CA (FHA|USDA|VA) 10 $2,450,000 $245,000 $8,635 4.50%
Pahrump, NV (FHA|USDA|VA) 8 $2,410,000 $301,250 $6,465 4.62%
Greeneville, TN (FHA|USDA|VA) 14 $2,360,000 $168,571 $7,899 5.70%
COLUMBUS, OH (FHA|USDA|VA) 11 $2,335,000 $212,273 $4,514 4.75%
Sandpoint, ID (FHA|USDA|VA) 8 $2,300,000 $287,500 $8,646 5.30%
Ukiah, CA (FHA|USDA|VA) 6 $2,280,000 $380,000 $8,320 4.10%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 10 $2,270,000 $227,000 $7,747 3.84%
TULSA, OK (FHA|USDA|VA) 7 $2,245,000 $320,714 $6,361 3.88%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $2,205,000 $441,000 $5,262 4.18%
COLUMBIA, SC (FHA|USDA|VA) 7 $2,165,000 $309,286 $10,677 4.68%
FORT COLLINS, CO (FHA|USDA|VA) 4 $2,070,000 $517,500 $11,315 5.15%
Coffeyville, KS (FHA|USDA|VA) 25 $2,065,000 $82,600 $4,740 5.66%
Seneca, SC (FHA|USDA|VA) 8 $2,040,000 $255,000 $7,480 5.02%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $2,020,000 $336,667 $10,347 3.65%
Concord, NH (FHA|USDA|VA) 5 $1,985,000 $397,000 $13,517 5.30%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,970,000 $492,500 $15,795 4.38%
Red Bluff, CA (FHA|USDA|VA) 7 $1,955,000 $279,286 $8,700 4.66%
Great Bend, KS (FHA|USDA|VA) 17 $1,915,000 $112,647 $4,575 4.52%
Outside of Metro Areas 6 $1,910,000 $318,333 $5,024 6.12%
BELLINGHAM, WA (FHA|USDA|VA) 4 $1,820,000 $455,000 $7,891 4.12%
WACO, TX (FHA|USDA|VA) 12 $1,790,000 $149,167 $5,478 4.64%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 6 $1,790,000 $298,333 $6,498 3.92%
Eureka-Arcata, CA (FHA|USDA|VA) 7 $1,775,000 $253,571 $7,764 4.34%
Winfield, KS (FHA|USDA|VA) 13 $1,775,000 $136,538 $5,171 5.67%
GETTYSBURG, PA (FHA|USDA|VA) 6 $1,750,000 $291,667 $7,554 5.17%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,730,000 $432,500 $7,715 5.03%
Richmond-Berea, KY (FHA|USDA|VA) 6 $1,720,000 $286,667 $11,574 3.71%
OCALA, FL (FHA|USDA|VA) 8 $1,700,000 $212,500 $8,521 5.36%
Hood River, OR (FHA|USDA|VA) 2 $1,680,000 $840,000 $8,852 5.38%
READING, PA (FHA|USDA|VA) 6 $1,650,000 $275,000 $8,296 4.56%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $1,630,000 $407,500 $7,612 4.53%
Laconia, NH (FHA|USDA|VA) 4 $1,590,000 $397,500 $11,407 5.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 7 $1,575,000 $225,000 $6,902 4.95%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $1,560,000 $390,000 $14,089 4.91%
TALLAHASSEE, FL (FHA|USDA|VA) 7 $1,525,000 $217,857 $5,942 5.02%
La Grande, OR (FHA|USDA|VA) 5 $1,485,000 $297,000 $10,138 5.10%
LEBANON, PA (FHA|USDA|VA) 7 $1,465,000 $209,286 $6,264 4.98%
Show Low, AZ (FHA|USDA|VA) 4 $1,440,000 $360,000 $5,703 6.09%
Fallon, NV (FHA|USDA|VA) 4 $1,420,000 $355,000 $6,896 4.31%
Cedar City, UT (FHA|USDA|VA) 4 $1,390,000 $347,500 $4,649 5.69%
Fernley, NV (FHA|USDA|VA) 5 $1,325,000 $265,000 $9,167 4.38%
APPLETON, WI (FHA|USDA|VA) 6 $1,320,000 $220,000 $8,024 4.69%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $1,300,000 $325,000 $7,231 5.47%
Oak Harbor, WA (FHA|USDA|VA) 4 $1,290,000 $322,500 $4,187 4.96%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 5 $1,285,000 $257,000 $12,212 5.42%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $1,270,000 $635,000 $10,955 5.63%
Athens, TN (FHA|USDA|VA) 6 $1,250,000 $208,333 $10,922 5.19%
GRAND JUNCTION, CO (FHA|USDA|VA) 3 $1,225,000 $408,333 $4,756 4.91%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 4 $1,220,000 $305,000 $9,753 5.81%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $1,215,000 $405,000 $12,886 6.21%
BOULDER, CO (FHA|USDA|VA) 2 $1,210,000 $605,000 $8,229 5.06%
Carlsbad-Artesia, NM (FHA|USDA|VA) 4 $1,190,000 $297,500 $7,180 6.06%
Bozeman, MT (FHA|USDA|VA) 3 $1,185,000 $395,000 $10,065 4.21%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,160,000 $193,333 $4,451 4.06%
TYLER, TX (FHA|USDA|VA) 4 $1,150,000 $287,500 $5,602 4.44%
MOBILE, AL (FHA|USDA|VA) 5 $1,145,000 $229,000 $4,223 6.08%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 7 $1,115,000 $159,286 $5,911 5.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,105,000 $368,333 $8,197 4.83%
Granbury, TX (FHA|USDA|VA) 3 $1,095,000 $365,000 $13,184 5.16%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,080,000 $270,000 $9,960 4.34%
WALLA WALLA, WA (FHA|USDA|VA) 3 $1,075,000 $358,333 $9,960 3.58%
WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,055,000 $211,000 $5,743 4.78%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $995,000 $995,000 $37,308 3.63%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $990,000 $247,500 $8,046 4.09%
Payson, AZ (FHA|USDA|VA) 3 $985,000 $328,333 $8,609 4.83%
OWENSBORO, KY (FHA|USDA|VA) 6 $980,000 $163,333 $5,101 4.02%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $975,000 $325,000 $8,267 4.41%
Kapaa, HI (FHA|USDA|VA) 1 $965,000 $965,000 $5,953 7.13%
Astoria, OR (FHA|USDA|VA) 3 $945,000 $315,000 $7,903 6.42%
CASPER, WY (FHA|USDA|VA) 4 $930,000 $232,500 $5,904 4.19%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $925,000 $308,333 $7,268 4.25%
ROANOKE, VA (FHA|USDA|VA) 1 $895,000 $895,000 $31,046 4.38%
SAVANNAH, GA (FHA|USDA|VA) 3 $895,000 $298,333 $8,282 5.38%
Clewiston, FL (FHA|USDA|VA) 2 $890,000 $445,000 $11,245 5.56%
Moscow, ID (FHA|USDA|VA) 2 $880,000 $440,000 $11,772 4.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $880,000 $440,000 $6,258 6.31%
London, KY (FHA|USDA|VA) 5 $875,000 $175,000 $4,525 5.93%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 7 $845,000 $120,714 $4,896 6.07%
The Dalles, OR (FHA|USDA|VA) 4 $840,000 $210,000 $5,850 3.81%
WENATCHEE, WA (FHA|USDA|VA) 2 $830,000 $415,000 $14,928 4.44%
Durango, CO (FHA|USDA|VA) 2 $810,000 $405,000 $8,024 4.63%
WILMINGTON, NC (FHA|USDA|VA) 3 $805,000 $268,333 $7,858 4.29%
PUEBLO, CO (FHA|USDA|VA) 2 $800,000 $400,000 $16,841 5.56%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $790,000 $197,500 $3,368 4.97%
SPRINGFIELD, MA (FHA|USDA|VA) 3 $785,000 $261,667 $6,937 4.08%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $750,000 $375,000 $7,732 5.19%
Sevierville, TN (FHA|USDA|VA) 3 $745,000 $248,333 $11,178 4.58%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $740,000 $370,000 $5,628 4.81%
JONESBORO, AR (FHA|USDA|VA) 4 $730,000 $182,500 $6,470 6.13%
Alexander City, AL (FHA|USDA|VA) 3 $725,000 $241,667 $3,995 3.46%
Coos Bay, OR (FHA|USDA|VA) 4 $720,000 $180,000 $3,789 4.19%
POCATELLO, ID (FHA|USDA|VA) 2 $720,000 $360,000 $7,913 5.38%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $705,000 $235,000 $8,116 3.42%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 5 $705,000 $141,000 $4,612 4.77%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $685,000 $228,333 $5,985 3.42%
GRANTS PASS, OR (FHA|USDA|VA) 2 $670,000 $335,000 $6,225 3.44%
COLUMBUS, GA-AL (FHA|USDA|VA) 4 $660,000 $165,000 $3,830 4.22%
ALBUQUERQUE, NM (FHA|USDA|VA) 4 $660,000 $165,000 $6,878 4.50%
Centralia, WA (FHA|USDA|VA) 2 $650,000 $325,000 $3,814 5.50%
FORT WAYNE, IN (FHA|USDA|VA) 3 $645,000 $215,000 $4,872 6.04%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $645,000 $645,000 $4,679 7.63%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $645,000 $215,000 $3,956 3.63%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $635,000 $211,667 $5,450 4.00%
Big Stone Gap, VA (FHA|USDA|VA) 5 $635,000 $127,000 $8,025 5.80%
Breckenridge, CO (FHA|USDA|VA) 1 $605,000 $605,000 $16,512 3.88%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 4 $590,000 $147,500 $6,571 5.09%
THE VILLAGES, FL (FHA|USDA|VA) 4 $590,000 $147,500 $6,764 4.72%
FLINT, MI (FHA|USDA|VA) 4 $580,000 $145,000 $4,170 3.59%
Calhoun, GA (FHA|USDA|VA) 1 $565,000 $565,000 $7,493 3.99%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $560,000 $280,000 $4,655 5.69%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $560,000 $280,000 $8,541 5.81%
Brevard, NC (FHA|USDA|VA) 1 $555,000 $555,000 $7,381 3.50%
PITTSBURGH, PA (FHA|USDA|VA) 3 $555,000 $185,000 $6,867 4.04%
PANAMA CITY, FL (FHA|USDA|VA) 2 $550,000 $275,000 $7,815 4.25%
Elizabeth City, NC (FHA|USDA|VA) 2 $540,000 $270,000 $4,941 6.69%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $540,000 $270,000 $6,801 4.94%
JACKSON, MS (FHA|USDA|VA) 2 $530,000 $265,000 $4,283 3.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $530,000 $265,000 $12,374 3.75%
ASHEVILLE, NC (FHA|USDA|VA) 2 $530,000 $265,000 $9,943 4.50%
Hailey, ID (FHA|USDA|VA) 1 $525,000 $525,000 $4,249 3.38%
Brenham, TX (FHA|USDA|VA) 1 $525,000 $525,000 $5,082 5.00%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $520,000 $260,000 $7,732 4.19%
Parsons, KS (FHA|USDA|VA) 8 $520,000 $65,000 $4,459 5.45%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $515,000 $171,667 $7,082 4.50%
Aberdeen, WA (FHA|USDA|VA) 3 $515,000 $171,667 $5,877 5.08%
Sunbury, PA (FHA|USDA|VA) 3 $505,000 $168,333 $7,054 5.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $500,000 $250,000 $6,095 4.56%
Cambridge, MD (FHA|USDA|VA) 2 $500,000 $250,000 $7,038 5.56%
Los Alamos, NM (FHA|USDA|VA) 1 $495,000 $495,000 $7,444 5.25%
MANHATTAN, KS (FHA|USDA|VA) 1 $485,000 $485,000 $11,248 4.50%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $485,000 $485,000 $5,478 5.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $470,000 $235,000 $8,267 4.88%
SUMTER, SC (FHA|USDA|VA) 2 $470,000 $235,000 $8,745 3.25%
Hutchinson, KS (FHA|USDA|VA) 4 $440,000 $110,000 $4,495 5.22%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $435,000 $435,000 $9,506 3.13%
GAINESVILLE, GA (FHA|USDA|VA) 2 $420,000 $210,000 $5,010 4.25%
Easton, MD (FHA|USDA|VA) 1 $415,000 $415,000 $9,061 3.50%
Roswell, NM (FHA|USDA|VA) 2 $410,000 $205,000 $4,791 5.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $410,000 $205,000 $6,799 4.56%
GREAT FALLS, MT (FHA|USDA|VA) 2 $410,000 $205,000 $10,545 4.69%
Elkins, WV (FHA|USDA|VA) 2 $410,000 $205,000 $10,066 5.13%
ST. CLOUD, MN (FHA|USDA|VA) 1 $405,000 $405,000 $9,527 3.99%
Paragould, AR (FHA|USDA|VA) 2 $400,000 $200,000 $7,483 6.56%
FOND DU LAC, WI (FHA|USDA|VA) 1 $385,000 $385,000 $1,288 3.88%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $380,000 $190,000 $4,092 3.56%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $375,000 $375,000 $14,421 6.50%
MUNCIE, IN (FHA|USDA|VA) 2 $370,000 $185,000 $4,719 4.75%
Burley, ID (FHA|USDA|VA) 1 $365,000 $365,000 $4,452 2.50%
ANN ARBOR, MI (FHA|USDA|VA) 1 $365,000 $365,000 $2,636 2.63%
Warrensburg, MO (FHA|USDA|VA) 2 $360,000 $180,000 $5,857 4.69%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $360,000 $180,000 $5,585 4.56%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $350,000 $175,000 $3,687 4.75%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $345,000 $345,000 $6,199 6.38%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $340,000 $170,000 $3,369 5.75%
New Castle, IN (FHA|USDA|VA) 2 $340,000 $170,000 $4,170 6.13%
Russellville, AR (FHA|USDA|VA) 2 $330,000 $165,000 $6,407 3.69%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $330,000 $165,000 $6,127 4.19%
YUMA, AZ (FHA|USDA|VA) 2 $330,000 $165,000 $5,092 4.81%
Moses Lake, WA (FHA|USDA|VA) 1 $325,000 $325,000 $5,101 3.13%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $320,000 $160,000 $4,937 5.62%
Lake City, FL (FHA|USDA|VA) 1 $315,000 $315,000 $5,156 3.99%
Pottsville, PA (FHA|USDA|VA) 2 $310,000 $155,000 $7,092 5.63%
ROME, GA (FHA|USDA|VA) 1 $305,000 $305,000 $9,715 5.13%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $11,677 5.13%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $305,000 $305,000 $9,710 5.50%
Ellensburg, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,630 3.99%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $295,000 $295,000 $16,022 6.63%
Nacogdoches, TX (FHA|USDA|VA) 1 $295,000 $295,000 $14,560 4.75%
BILLINGS, MT (FHA|USDA|VA) 1 $295,000 $295,000 $7,275 3.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $290,000 $145,000 $6,778 7.06%
Wabash, IN (FHA|USDA|VA) 1 $285,000 $285,000 $3,172 5.75%
Safford, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $7,750 7.25%
MUSKEGON, MI (FHA|USDA|VA) 2 $280,000 $140,000 $4,032 5.13%
TWIN FALLS, ID (FHA|USDA|VA) 1 $275,000 $275,000 $3,814 3.38%
Brookings, OR (FHA|USDA|VA) 1 $275,000 $275,000 $7,845 3.50%
Hutchinson, MN (FHA|USDA|VA) 1 $275,000 $275,000 $4,743 5.13%
Austin, MN (FHA|USDA|VA) 1 $275,000 $275,000 $3,333 3.50%
Mount Pleasant, TX (FHA|USDA|VA) 1 $275,000 $275,000 $3,026 3.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $275,000 $275,000 $6,991 4.99%
Branson, MO (FHA|USDA|VA) 1 $275,000 $275,000 $8,280 6.99%
Altus, OK (FHA|USDA|VA) 2 $270,000 $135,000 $4,355 5.56%
Marinette, WI-MI (FHA|USDA|VA) 2 $270,000 $135,000 $7,435 5.19%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $270,000 $135,000 $7,294 6.19%
MONROE, MI (FHA|USDA|VA) 1 $265,000 $265,000 $7,879 5.88%
Salina, KS (FHA|USDA|VA) 1 $255,000 $255,000 $4,528 6.13%
ROCHESTER, MN (FHA|USDA|VA) 1 $255,000 $255,000 $8,205 3.50%
Kalispell, MT (FHA|USDA|VA) 1 $255,000 $255,000 $10,668 3.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $255,000 $255,000 $7,852 3.75%
Lebanon, NH-VT (FHA|USDA|VA) 1 $255,000 $255,000 $2,583 3.25%
Ontario, OR-ID (FHA|USDA|VA) 1 $255,000 $255,000 $5,736 3.75%
Vernal, UT (FHA|USDA|VA) 1 $245,000 $245,000 $8,047 6.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $245,000 $245,000 $4,848 3.99%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $240,000 $120,000 $8,657 4.50%
Cornelia, GA (FHA|USDA|VA) 1 $235,000 $235,000 $7,306 4.63%
CHARLESTON, WV (FHA|USDA|VA) 1 $225,000 $225,000 $7,433 3.88%
Keene, NH (FHA|USDA|VA) 1 $225,000 $225,000 $8,319 4.50%
GREEN BAY, WI (FHA|USDA|VA) 1 $215,000 $215,000 $4,751 4.38%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $215,000 $215,000 $1,838 3.13%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $215,000 $215,000 $2,203 6.38%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $215,000 $215,000 $3,742 4.25%
Cookeville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $9,634 3.63%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $205,000 $205,000 $9,579 6.99%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $195,000 $195,000 $4,413 4.63%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $195,000 $195,000 $3,759 3.38%
Palatka, FL (FHA|USDA|VA) 1 $195,000 $195,000 $5,198 4.25%
Stephenville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,331 5.50%
Blytheville, AR (FHA|USDA|VA) 1 $195,000 $195,000 $9,323 5.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,040 2.75%
TOPEKA, KS (FHA|USDA|VA) 1 $195,000 $195,000 $2,390 3.99%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $4,034 5.38%
Milledgeville, GA (FHA|USDA|VA) 1 $185,000 $185,000 $5,736 6.88%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $185,000 $185,000 $5,966 2.50%
TOLEDO, OH (FHA|USDA|VA) 1 $185,000 $185,000 $5,014 4.99%
MADISON, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,648 3.50%
Hays, KS (FHA|USDA|VA) 1 $185,000 $185,000 $7,032 3.13%
AKRON, OH (FHA|USDA|VA) 2 $180,000 $90,000 $4,416 5.13%
Norwalk, OH (FHA|USDA|VA) 1 $175,000 $175,000 $9,290 2.63%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $175,000 $175,000 $3,276 3.13%
Brainerd, MN (FHA|USDA|VA) 1 $175,000 $175,000 $4,253 3.75%
EL PASO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $8,875 4.50%
Fort Morgan, CO (FHA|USDA|VA) 1 $175,000 $175,000 $8,026 4.88%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,831 3.75%
Picayune, MS (FHA|USDA|VA) 1 $165,000 $165,000 $7,320 5.50%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $7,771 5.00%
RACINE, WI (FHA|USDA|VA) 1 $165,000 $165,000 $8,336 4.88%
Bellefontaine, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,865 7.63%
MANSFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,139 3.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $155,000 $155,000 $2,880 6.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,103 2.63%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $5,208 5.50%
Scottsburg, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,223 6.38%
LaGrange, GA-AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,224 3.50%
Bluefield, WV-VA (FHA|USDA|VA) 1 $155,000 $155,000 $8,490 5.13%
Ottawa, KS (FHA|USDA|VA) 1 $145,000 $145,000 $12,476 5.13%
STAUNTON, VA (FHA|USDA|VA) 1 $145,000 $145,000 $5,799 6.99%
PEORIA, IL (FHA|USDA|VA) 1 $145,000 $145,000 $7,118 3.75%
Prineville, OR (FHA|USDA|VA) 1 $145,000 $145,000 $6,709 6.00%
SANTA FE, NM (FHA|USDA|VA) 1 $145,000 $145,000 $4,417 3.38%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $145,000 $145,000 $4,327 4.25%
Elko, NV (FHA|USDA|VA) 1 $135,000 $135,000 $12,157 5.13%
Mountain Home, AR (FHA|USDA|VA) 1 $135,000 $135,000 $9,346 5.50%
Athens, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,610 7.63%
Dyersburg, TN (FHA|USDA|VA) 1 $125,000 $125,000 $4,248 4.63%
Newport, TN (FHA|USDA|VA) 1 $125,000 $125,000 $6,798 5.63%
Berlin, NH (FHA|USDA|VA) 1 $125,000 $125,000 $7,028 4.88%
Connersville, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,159 4.99%
Emporia, KS (FHA|USDA|VA) 1 $115,000 $115,000 $5,247 6.13%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $105,000 $105,000 $2,950 5.99%
Guymon, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,661 3.38%
Georgetown, SC (FHA|USDA|VA) 1 $105,000 $105,000 $4,430 3.38%
Somerset, KY (FHA|USDA|VA) 1 $105,000 $105,000 $7,075 5.63%
NEW BERN, NC (FHA|USDA|VA) 1 $95,000 $95,000 $3,196 6.13%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $95,000 $95,000 $7,600 5.13%
Meadville, PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,373 3.63%
Maryville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $5,350 5.50%
Batesville, AR (FHA|USDA|VA) 1 $85,000 $85,000 $4,073 6.63%
Mineral Wells, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,399 5.50%
Susanville, CA (FHA|USDA|VA) 1 $75,000 $75,000 $4,027 3.63%
Opelousas, LA (FHA|USDA|VA) 1 $75,000 $75,000 $4,558 4.75%
AMARILLO, TX (FHA|USDA|VA) 1 $65,000 $65,000 $3,714 4.25%
Albemarle, NC (FHA|USDA|VA) 1 $65,000 $65,000 $4,081 7.13%
Port Angeles, WA (FHA|USDA|VA) 1 $55,000 $55,000 $1,921 2.99%
McPherson, KS (FHA|USDA|VA) 1 $55,000 $55,000 $4,567 6.63%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $55,000 $55,000 $3,906 4.63%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $55,000 $55,000 $2,399 4.38%
BATON ROUGE, LA (FHA|USDA|VA) 1 $55,000 $55,000 $3,064 3.88%
Alma, MI (FHA|USDA|VA) 1 $55,000 $55,000 $3,745 4.75%
Liberal, KS (FHA|USDA|VA) 1 $25,000 $25,000 $2,748 3.25%
Sierra Pacific Mortgage Company's top markets include Bakersfield, Sacramento, Los Angeles, Miami, and Portland among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,967 $2,735,395,000 $343,341 $7,273 4.84%
    FHA 1,657 $521,365,000 $314,644 $23,395 4.84%
    VA 573 $214,285,000 $373,970 $10,458 4.48%
    USDA 272 $54,690,000 $201,066 $7,310 4.72%

    For 2022, Sierra Pacific Mortgage Company's most frequently originated type of loan was Conventional, with 7,967 originations. Their 2nd most popular type was FHA, with 1,657 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 7,514 $2,625,100,000 $349,361 $11,245 5.02%
    Cash Out Refi 1,449 $445,105,000 $307,181 $7,487 4.48%
    Refi 802 $228,740,000 $285,212 $5,818 3.93%
    Home Improvement 704 $226,790,000 $322,145 $6,653 4.36%

    For 2022, Sierra Pacific Mortgage Company's most frequently cited loan purpose was Home Purchase, with 7,514 originations. The 2nd most popular reason was Cash Out Refi, with 1,449 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 9,883 $3,397,935,000 $343,816 $10,282 4.89%
    15 Year 362 $79,740,000 $220,276 $5,265 3.47%
    20 Year 169 $37,205,000 $220,148 $5,244 3.95%
    10 Year 32 $5,530,000 $172,813 $4,644 3.21%
    Other 23 $5,325,000 $231,522 $5,646 4.87%

    For 2022, Sierra Pacific Mortgage Company's most frequently cited loan duration was 30 Year, with 9,883 originations. The 2nd most popular length was 15 Year, with 362 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 3,637 $1,483,005,000 $407,755
    $1k-2k 1,906 $570,690,000 $299,418
    $2k-3k 1,426 $385,730,000 $270,498
    $3k-4k 1,330 $371,850,000 $279,586
    $<1k 1,083 $386,445,000 $356,828
    $4k-5k 1,076 $324,580,000 $301,654

    Sierra Pacific Mortgage Company's average total fees were $10,282, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,637 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,883 $954,195,000 $330,973
    5-6% 2,821 $973,295,000 $345,018
    4-5% 2,739 $944,115,000 $344,693
    6-7% 1,255 $403,515,000 $321,526
    2.5-3% 377 $119,855,000 $317,918
    7-8% 304 $102,630,000 $337,599
    <2.5% 89 $27,845,000 $312,865
    Over 8% 1 $285,000 $285,000

    During 2022, Sierra Pacific Mortgage Company's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 3-4%, with 2,883 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,084 $1,495,730,000 $294,203 $11,525 4.82%
    $400k-600k 2,282 $1,087,910,000 $476,735 $10,231 4.78%
    $100k-200k 1,947 $303,335,000 $155,796 $5,570 4.79%
    $600k-1MM 755 $525,945,000 $696,616 $12,356 4.88%
    $100,000 or less 337 $25,955,000 $77,018 $4,156 5.06%
    $1MM+ 64 $86,860,000 $1,357,188 $18,342 5.23%

    2022 saw Sierra Pacific Mortgage Company place emphasis on $200k-400k loans with 5,084 originations, totaling $1,495,730,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,527 $971,975,000 $384,636 $9,077 4.87%
    $50k-75k 2,428 $609,000,000 $250,824 $14,665 4.76%
    $75k-100k 2,186 $691,010,000 $316,107 $8,677 4.82%
    $150k-250k 1,532 $701,170,000 $457,683 $9,270 4.86%
    $50k or less 1,185 $191,415,000 $161,532 $5,797 4.69%
    $250k+ 599 $357,495,000 $596,820 $10,066 4.98%

    Sierra Pacific Mortgage Company lent most frequently to those with incomes in the $100k-150k range, with 2,527 originations. The second most popular income band? $50k-75k, with 2,428 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,578 $500,000,000 $316,857 $7,236 4.75%
    20-30% 1,404 $430,980,000 $306,966 $6,752 4.60%
    50-60% 744 $257,350,000 $345,901 $12,736 4.79%
    44% 703 $246,285,000 $350,334 $33,560 4.98%
    49% 631 $228,265,000 $361,751 $9,267 5.00%
    43% 523 $179,625,000 $343,451 $8,632 4.98%
    42% 516 $184,450,000 $357,461 $8,980 4.88%
    45% 507 $180,305,000 $355,631 $8,523 5.02%
    41% 480 $170,280,000 $354,750 $8,173 4.91%
    48% 451 $155,905,000 $345,687 $8,613 5.00%
    40% 427 $147,245,000 $344,836 $8,308 4.93%
    47% 395 $135,275,000 $342,468 $9,110 4.87%
    39% 394 $142,810,000 $362,462 $8,011 4.88%
    37% 359 $121,065,000 $337,228 $7,781 4.69%
    46% 355 $125,315,000 $353,000 $9,203 4.94%
    <20% 352 $101,070,000 $287,131 $6,100 4.43%
    38% 337 $113,445,000 $336,632 $7,756 4.66%
    36% 287 $97,045,000 $338,136 $7,675 4.80%
    >60% 11 $4,545,000 $413,182 $16,194 4.53%

    Sierra Pacific Mortgage Company lent most frequently to those with DTI ratios of 30-36%, with 1,578 originations. The next most common DTI ratio? 20-30%, with 1,404 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,072 $2,340,300,000 $330,925 $8,236 4.79%
    Not provided 2,217 $749,215,000 $337,941 $8,314 4.84%
    Asian 562 $226,160,000 $402,420 $8,574 5.14%
    Black 486 $163,820,000 $337,078 $45,329 4.81%
    American Indian 67 $20,855,000 $311,269 $9,097 4.89%
    Native Hawaiian or Islander 23 $7,235,000 $314,565 $8,312 4.43%
    Chinese 6 $4,600,000 $766,667 $10,909 4.88%
    Japanese 5 $3,845,000 $769,000 $11,808 4.55%
    Asian Indian 10 $3,070,000 $307,000 $6,062 4.53%
    Other Asian 7 $2,195,000 $313,571 $10,298 4.95%
    Filipino 7 $1,975,000 $282,143 $8,288 5.45%
    Vietnamese 3 $1,215,000 $405,000 $4,781 3.96%
    Korean 1 $625,000 $625,000 $8,250 6.63%
    Guamanian 2 $340,000 $170,000 $5,331 4.56%
    Other Pacific Islander 1 $285,000 $285,000 $6,911 3.88%

    Approval Rates

    Total approvals of all applications
    83.86%

    Sierra Pacific Mortgage Company has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.15%

    Sierra Pacific Mortgage Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,469 $3,525,735,000 $336,779

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,469 $3,525,735,000 $336,779

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 568 $122,850,000 $216,285 $5,305 4.45%
    40-60% 1,381 $419,895,000 $304,051 $6,210 4.44%
    60-80% 3,361 $1,218,255,000 $362,468 $8,155 4.87%
    80-100% 4,974 $1,711,870,000 $344,164 $12,799 4.94%
    Over 100% 100 $38,510,000 $385,100 $16,456 4.53%
    Under 20% 77 $12,445,000 $161,623 $4,236 4.56%