Sierra Pacific Mortgage Company Rates, Fees & Info
Los Angeles, CALEI: 254900TTZ395IC926125
Tax ID: 68-0101170
2.6 stars - Updated: 4/5/25
-
out of 5 stars, based on 87 reviews
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Sierra Pacific Mortgage Company is a small 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: Los Angeles, Sacramento, Riverside, Dallas, and Bakersfield among others. We have data for 398 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 an average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.99% | 4/5/25 |
| 30 Year Conventional Refi | 6.72% | 4/5/25 |
| 30 Year Cash-out Refi | 7.09% | 4/5/25 |
| 30 Year FHA Purchase | 7.18% | 4/5/25 |
| 30 Year FHA Refi | 6.91% | 4/5/25 |
| 30 Year VA Purchase | 6.43% | 4/5/25 |
| 30 Year VA Refi | 6.13% | 4/5/25 |
| 30 Year USDA Purchase | 6.96% | 4/5/25 |
| 30 Year USDA Refi | 6.55% | 4/5/25 |
| 15 Year Conventional Purchase | 6.10% | 4/5/25 |
| 15 Year Conventional Refi | 6.17% | 4/5/25 |
| 15 Year Cash-out Refi | 6.17% | 4/5/25 |
| 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
7,598Origination Dollar Volume (All Markets)
$2,717,490,000Awards
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Sierra Pacific Mortgage Company - 2024
Sierra Pacific Mortgage Company is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Sierra Pacific Mortgage Company's average 30 year fixed mortgage rate was
6.62%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.07%.
Relative Fees (Closing Costs)
Sierra Pacific Mortgage Company's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,526.
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 $8,356.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 354 | $196,700,000 | $555,650 | $13,463 | 6.58% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 343 | $141,095,000 | $411,356 | $12,107 | 6.71% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 234 | $106,190,000 | $453,803 | $14,172 | 6.52% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 276 | $100,190,000 | $363,007 | $11,274 | 6.45% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 314 | $96,330,000 | $306,783 | $12,817 | 6.70% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 153 | $87,535,000 | $572,124 | $16,540 | 6.45% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 140 | $80,330,000 | $573,786 | $14,094 | 6.58% |
| WICHITA, KS (FHA|USDA|VA) | 399 | $79,025,000 | $198,058 | $6,959 | 6.66% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 175 | $76,515,000 | $437,229 | $9,241 | 6.66% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 185 | $69,265,000 | $374,405 | $9,061 | 6.63% |
| Outside of Metro Areas | 255 | $68,125,000 | $267,157 | $7,909 | 6.76% |
| FRESNO, CA (FHA|USDA|VA) | 185 | $65,725,000 | $355,270 | $10,718 | 6.58% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 151 | $63,875,000 | $423,013 | $15,625 | 6.64% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 182 | $61,210,000 | $336,319 | $8,730 | 6.68% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 112 | $53,070,000 | $473,839 | $11,273 | 6.67% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 148 | $51,860,000 | $350,405 | $8,155 | 6.74% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 134 | $41,500,000 | $309,701 | $9,621 | 6.75% |
| MADERA, CA (FHA|USDA|VA) | 122 | $41,340,000 | $338,852 | $10,614 | 6.65% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 68 | $37,920,000 | $557,647 | $14,906 | 6.41% |
| STOCKTON, CA (FHA|USDA|VA) | 88 | $34,700,000 | $394,318 | $13,317 | 6.55% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 88 | $29,680,000 | $337,273 | $9,828 | 6.84% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 95 | $29,075,000 | $306,053 | $7,939 | 6.53% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 50 | $28,460,000 | $569,200 | $11,666 | 6.73% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 99 | $26,395,000 | $266,616 | $7,656 | 6.49% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 61 | $26,375,000 | $432,377 | $8,211 | 6.64% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 72 | $24,890,000 | $345,694 | $9,009 | 6.54% |
| SALEM, OR (FHA|USDA|VA) | 55 | $23,255,000 | $422,818 | $12,635 | 6.36% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 76 | $23,230,000 | $305,658 | $5,230 | 6.96% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 84 | $22,780,000 | $271,190 | $9,308 | 6.65% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 53 | $22,435,000 | $423,302 | $10,059 | 6.46% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 77 | $22,225,000 | $288,636 | $8,000 | 6.77% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 60 | $21,710,000 | $361,833 | $10,896 | 6.64% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 36 | $21,040,000 | $584,444 | $9,334 | 6.97% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 74 | $20,370,000 | $275,270 | $9,032 | 6.79% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 55 | $20,305,000 | $369,182 | $10,705 | 6.87% |
| VALLEJO, CA (FHA|USDA|VA) | 39 | $17,555,000 | $450,128 | $15,154 | 6.66% |
| LOGAN, UT-ID (FHA|USDA|VA) | 50 | $17,200,000 | $344,000 | $8,038 | 6.44% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 29 | $16,875,000 | $581,897 | $11,778 | 6.58% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 55 | $16,875,000 | $306,818 | $9,227 | 6.58% |
| VISALIA, CA (FHA|USDA|VA) | 51 | $16,185,000 | $317,353 | $15,729 | 6.32% |
| SPARTANBURG, SC (FHA|USDA|VA) | 65 | $15,885,000 | $244,385 | $7,847 | 6.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 39 | $15,735,000 | $403,462 | $13,018 | 6.74% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 32 | $15,370,000 | $480,313 | $13,777 | 6.56% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 50 | $15,280,000 | $305,600 | $7,311 | 6.62% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 32 | $14,030,000 | $438,438 | $13,120 | 6.87% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 35 | $13,825,000 | $395,000 | $10,120 | 6.50% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 57 | $13,555,000 | $237,807 | $9,350 | 6.74% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 30 | $13,550,000 | $451,667 | $13,470 | 6.52% |
| Klamath Falls, OR (FHA|USDA|VA) | 55 | $13,485,000 | $245,182 | $7,836 | 6.48% |
| KNOXVILLE, TN (FHA|USDA|VA) | 51 | $13,405,000 | $262,843 | $8,404 | 6.69% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 34 | $12,880,000 | $378,824 | $13,427 | 6.32% |
| MODESTO, CA (FHA|USDA|VA) | 34 | $12,510,000 | $367,941 | $14,908 | 6.60% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 30 | $11,870,000 | $395,667 | $10,194 | 6.80% |
| MERCED, CA (FHA|USDA|VA) | 34 | $11,670,000 | $343,235 | $13,860 | 6.66% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 32 | $11,060,000 | $345,625 | $7,843 | 6.89% |
| BOISE CITY, ID (FHA|USDA|VA) | 29 | $10,815,000 | $372,931 | $8,885 | 6.48% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 25 | $10,155,000 | $406,200 | $10,409 | 6.53% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 26 | $10,140,000 | $390,000 | $10,100 | 6.70% |
| PROVO-OREM, UT (FHA|USDA|VA) | 22 | $10,080,000 | $458,182 | $9,851 | 6.45% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 24 | $9,880,000 | $411,667 | $16,477 | 6.45% |
| EL CENTRO, CA (FHA|USDA|VA) | 29 | $9,875,000 | $340,517 | $16,207 | 6.39% |
| REDDING, CA (FHA|USDA|VA) | 31 | $9,855,000 | $317,903 | $16,405 | 6.24% |
| RENO, NV (FHA|USDA|VA) | 23 | $9,255,000 | $402,391 | $8,302 | 6.60% |
| YUBA CITY, CA (FHA|USDA|VA) | 24 | $9,110,000 | $379,583 | $14,738 | 6.49% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 31 | $9,005,000 | $290,484 | $6,887 | 6.71% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 25 | $8,805,000 | $352,200 | $9,205 | 6.92% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 22 | $8,550,000 | $388,636 | $12,780 | 6.59% |
| EL PASO, TX (FHA|USDA|VA) | 27 | $8,355,000 | $309,444 | $12,374 | 6.35% |
| MADISON, WI (FHA|USDA|VA) | 23 | $7,215,000 | $313,696 | $3,444 | 6.49% |
| MEDFORD, OR (FHA|USDA|VA) | 16 | $7,110,000 | $444,375 | $9,711 | 6.86% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 27 | $6,755,000 | $250,185 | $10,307 | 6.51% |
| RICHMOND, VA (FHA|USDA|VA) | 16 | $6,680,000 | $417,500 | $7,529 | 6.58% |
| CHICO, CA (FHA|USDA|VA) | 22 | $6,670,000 | $303,182 | $13,029 | 6.36% |
| LOUISVILLE, KY (FHA|USDA|VA) | 25 | $6,575,000 | $263,000 | $6,323 | 6.87% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 30 | $6,570,000 | $219,000 | $7,039 | 6.70% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 20 | $6,350,000 | $317,500 | $11,919 | 6.48% |
| LANCASTER, PA (FHA|USDA|VA) | 26 | $6,030,000 | $231,923 | $7,313 | 6.73% |
| BEND, OR (FHA|USDA|VA) | 15 | $5,945,000 | $396,333 | $9,096 | 6.41% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 19 | $5,915,000 | $311,316 | $8,458 | 6.65% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 23 | $5,755,000 | $250,217 | $7,331 | 6.62% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 20 | $5,350,000 | $267,500 | $10,768 | 6.47% |
| Newport, OR (FHA|USDA|VA) | 13 | $5,235,000 | $402,692 | $11,047 | 6.00% |
| TUCSON, AZ (FHA|USDA|VA) | 16 | $5,220,000 | $326,250 | $7,667 | 6.91% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 16 | $4,950,000 | $309,375 | $6,759 | 6.79% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 18 | $4,940,000 | $274,444 | $10,393 | 6.55% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 23 | $4,805,000 | $208,913 | $9,389 | 6.40% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 15 | $4,725,000 | $315,000 | $8,266 | 6.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 13 | $4,395,000 | $338,077 | $8,900 | 6.64% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 15 | $4,315,000 | $287,667 | $8,803 | 6.43% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 13 | $4,215,000 | $324,231 | $5,722 | 6.74% |
| SAVANNAH, GA (FHA|USDA|VA) | 16 | $4,200,000 | $262,500 | $10,579 | 6.98% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 10 | $4,010,000 | $401,000 | $13,366 | 6.50% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $3,995,000 | $363,182 | $14,946 | 6.36% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 16 | $3,740,000 | $233,750 | $3,993 | 6.58% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 11 | $3,705,000 | $336,818 | $10,906 | 6.92% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $3,615,000 | $516,429 | $16,263 | 7.02% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 7 | $3,575,000 | $510,714 | $10,412 | 6.66% |
| Greeneville, TN (FHA|USDA|VA) | 14 | $3,400,000 | $242,857 | $10,630 | 6.74% |
| OCALA, FL (FHA|USDA|VA) | 14 | $3,400,000 | $242,857 | $11,320 | 6.26% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 10 | $3,280,000 | $328,000 | $10,201 | 6.54% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 8 | $3,250,000 | $406,250 | $15,194 | 6.42% |
| Ukiah, CA (FHA|USDA|VA) | 9 | $3,245,000 | $360,556 | $12,822 | 6.44% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 15 | $3,155,000 | $210,333 | $6,616 | 6.38% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $2,965,000 | $593,000 | $12,683 | 6.28% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 9 | $2,955,000 | $328,333 | $9,796 | 6.68% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 9 | $2,825,000 | $313,889 | $10,073 | 6.51% |
| Outside of Metro Areas | 6 | $2,810,000 | $468,333 | $10,524 | 6.77% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 9 | $2,735,000 | $303,889 | $9,211 | 6.68% |
| ST. GEORGE, UT (FHA|USDA|VA) | 11 | $2,705,000 | $245,909 | $6,543 | 6.36% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $2,695,000 | $539,000 | $5,214 | 6.65% |
| TULSA, OK (FHA|USDA|VA) | 12 | $2,690,000 | $224,167 | $10,411 | 6.65% |
| Clearlake, CA (FHA|USDA|VA) | 7 | $2,585,000 | $369,286 | $13,977 | 6.82% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $2,580,000 | $430,000 | $14,041 | 6.52% |
| Cedar City, UT (FHA|USDA|VA) | 12 | $2,530,000 | $210,833 | $5,560 | 6.74% |
| Winfield, KS (FHA|USDA|VA) | 15 | $2,525,000 | $168,333 | $6,929 | 6.55% |
| Red Bluff, CA (FHA|USDA|VA) | 8 | $2,460,000 | $307,500 | $14,652 | 5.97% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 12 | $2,420,000 | $201,667 | $5,776 | 6.95% |
| MORRISTOWN, TN (FHA|USDA|VA) | 10 | $2,420,000 | $242,000 | $10,336 | 6.66% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 13 | $2,415,000 | $185,769 | $6,878 | 6.71% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 8 | $2,360,000 | $295,000 | $11,175 | 6.83% |
| Sandpoint, ID (FHA|USDA|VA) | 6 | $2,330,000 | $388,333 | $6,737 | 7.27% |
| APPLETON, WI (FHA|USDA|VA) | 9 | $2,305,000 | $256,111 | $8,148 | 6.72% |
| Alamogordo, NM (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $9,373 | 7.03% |
| COLUMBUS, OH (FHA|USDA|VA) | 8 | $2,240,000 | $280,000 | $9,676 | 6.93% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 10 | $2,210,000 | $221,000 | $8,386 | 6.41% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $2,185,000 | $312,143 | $11,179 | 6.29% |
| CORVALLIS, OR (FHA|USDA|VA) | 6 | $2,060,000 | $343,333 | $9,615 | 6.38% |
| Gainesville, TX (FHA|USDA|VA) | 5 | $2,035,000 | $407,000 | $14,826 | 6.20% |
| NAPA, CA (FHA|USDA|VA) | 4 | $2,030,000 | $507,500 | $15,336 | 6.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $9,927 | 6.29% |
| LONGVIEW, WA (FHA|USDA|VA) | 6 | $1,990,000 | $331,667 | $8,291 | 6.75% |
| Sonora, CA (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $11,104 | 6.41% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 8 | $1,970,000 | $246,250 | $6,703 | 6.23% |
| Pella, IA (FHA|USDA|VA) | 10 | $1,930,000 | $193,000 | $4,810 | 7.02% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 10 | $1,930,000 | $193,000 | $8,140 | 6.39% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $1,900,000 | $316,667 | $8,750 | 6.52% |
| Key West, FL (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $17,359 | 6.87% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $1,830,000 | $457,500 | $10,276 | 6.34% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $1,820,000 | $182,000 | $7,005 | 6.91% |
| Show Low, AZ (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $8,777 | 7.32% |
| Gaffney, SC (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $9,598 | 6.35% |
| Ellensburg, WA (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $9,729 | 6.59% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $6,008 | 6.63% |
| Payson, AZ (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $5,437 | 6.67% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 7 | $1,595,000 | $227,857 | $5,792 | 6.39% |
| CARSON CITY, NV (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $5,764 | 7.22% |
| Coos Bay, OR (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $10,850 | 6.10% |
| WACO, TX (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $14,567 | 5.82% |
| LEBANON, PA (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $8,546 | 6.62% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $5,872 | 6.97% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $22,389 | 6.94% |
| WALLA WALLA, WA (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $13,761 | 6.97% |
| Fernley, NV (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $5,494 | 7.74% |
| ODESSA, TX (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $7,835 | 6.68% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $5,229 | 6.81% |
| Heber, UT (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $8,181 | 6.83% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $12,258 | 6.09% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $10,266 | 6.28% |
| Roseburg, OR (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $8,916 | 6.19% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $6,831 | 7.09% |
| Cambridge, MD (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $8,931 | 6.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $8,342 | 6.71% |
| Vernal, UT (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $6,100 | 6.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $5,238 | 6.73% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $11,054 | 6.58% |
| Great Bend, KS (FHA|USDA|VA) | 9 | $1,095,000 | $121,667 | $5,072 | 6.52% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $7,346 | 7.75% |
| JACKSON, MI (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $11,599 | 6.15% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $11,251 | 6.56% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $6,270 | 6.83% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $17,843 | 6.63% |
| Laconia, NH (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $10,619 | 7.13% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $13,066 | 6.12% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $8,292 | 7.03% |
| ANCHORAGE, AK (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $9,982 | 6.38% |
| Granbury, TX (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $9,103 | 6.20% |
| Oskaloosa, IA (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $4,844 | 6.69% |
| Athens, TN (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $9,538 | 6.03% |
| Concord, NH (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $12,949 | 6.08% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $11,192 | 6.81% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $13,603 | 7.12% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $9,116 | 6.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $6,754 | 5.79% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $11,113 | 6.79% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $5,452 | 6.97% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $4,691 | 6.29% |
| READING, PA (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $6,480 | 6.84% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $7,985 | 7.03% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $13,429 | 6.69% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $6,544 | 6.19% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $14,594 | 6.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $8,753 | 6.88% |
| La Grande, OR (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $7,436 | 6.79% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $11,014 | 6.17% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $7,024 | 6.50% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $10,553 | 7.31% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $6,282 | 6.63% |
| Searcy, AR (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $7,397 | 6.81% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $14,244 | 6.50% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $9,876 | 6.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $10,489 | 6.67% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $6,253 | 6.63% |
| TOPEKA, KS (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $5,853 | 6.21% |
| TYLER, TX (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $13,289 | 6.94% |
| Helena, MT (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $15,293 | 5.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $5,719 | 6.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $7,589 | 6.63% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $14,848 | 6.99% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $13,590 | 6.63% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $16,446 | 6.25% |
| Keene, NH (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $12,601 | 6.44% |
| Clarksburg, WV (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $9,823 | 6.56% |
| Hutchinson, KS (FHA|USDA|VA) | 6 | $700,000 | $116,667 | $6,159 | 6.62% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $5,600 | 6.47% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $10,057 | 6.33% |
| Bonham, TX (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $9,086 | 6.62% |
| JONESBORO, AR (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $6,483 | 6.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $6,291 | 7.63% |
| Juneau, AK (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $3,325 | 7.63% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $9,415 | 7.99% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $11,271 | 6.69% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,481 | 7.12% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $8,865 | 6.63% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $14,134 | 6.44% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $7,211 | 7.00% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $8,586 | 6.13% |
| Pottsville, PA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $14,019 | 6.13% |
| MUNCIE, IN (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $10,396 | 6.54% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $12,862 | 7.38% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $16,338 | 8.13% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $7,279 | 7.16% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $10,183 | 6.50% |
| London, KY (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,382 | 6.21% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $10,921 | 7.38% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,837 | 6.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,302 | 6.81% |
| Boone, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,843 | 8.13% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,552 | 6.63% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $9,886 | 7.06% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,726 | 6.69% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $17,906 | 6.75% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 6.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $12,926 | 6.75% |
| Ottumwa, IA (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $6,169 | 6.72% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,339 | 6.69% |
| Athens, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $13,265 | 6.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,201 | 6.58% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,331 | 6.38% |
| Moscow, ID (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $13,133 | 6.63% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $11,474 | 6.99% |
| Forest City, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $13,745 | 6.63% |
| Brookings, OR (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $22,721 | 7.83% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,685 | 6.88% |
| Lake City, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,209 | 6.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,898 | 6.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,413 | 6.13% |
| Austin, MN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,088 | 6.75% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $24,823 | 5.50% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $17,238 | 5.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,877 | 6.63% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,354 | 7.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,109 | 5.50% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,884 | 6.88% |
| Hilo, HI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,902 | 6.38% |
| Elko, NV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,118 | 7.13% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,837 | 7.13% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $14,599 | 6.75% |
| Shelton, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $18,444 | 7.13% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,276 | 7.63% |
| Portales, NM (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,524 | 6.50% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,228 | 6.99% |
| Hutchinson, MN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,870 | 6.38% |
| Pullman, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,421 | 6.63% |
| Othello, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,766 | 6.13% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,926 | 7.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,832 | 6.62% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,063 | 6.88% |
| Centralia, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,717 | 6.13% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,883 | 6.50% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,969 | 7.63% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $16,595 | 5.99% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,906 | 7.13% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,846 | 7.06% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,155 | 7.63% |
| Berlin, NH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,621 | 6.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,172 | 6.63% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $10,195 | 6.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,327 | 7.63% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $13,957 | 7.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,682 | 6.69% |
| Clovis, NM (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,251 | 6.56% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,834 | 6.88% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,728 | 5.75% |
| Montrose, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,598 | 7.38% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,289 | 6.25% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,756 | 6.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,368 | 7.13% |
| Ponca City, OK (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,659 | 6.69% |
| Prineville, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,657 | 6.25% |
| Safford, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $13,794 | 6.13% |
| Astoria, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,486 | 7.63% |
| McPherson, KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,621 | 6.25% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,809 | 7.13% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,895 | 6.88% |
| Bay City, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,310 | 7.63% |
| Silver City, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,050 | 7.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,516 | 6.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,127 | 6.50% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,406 | 7.25% |
| Palestine, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $14,673 | 5.99% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,821 | 6.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $7,710 | 8.30% |
| Salem, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,515 | 6.13% |
| CASPER, WY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,440 | 6.63% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,723 | 6.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,080 | 6.63% |
| Hood River, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,275 | 8.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,744 | 6.99% |
| Paragould, AR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,845 | 6.69% |
| Garden City, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,381 | 7.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,698 | 6.25% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,112 | 7.00% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,305 | 6.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,434 | 6.25% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,733 | 7.06% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,156 | 6.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,732 | 6.63% |
| Roswell, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,393 | 6.99% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,686 | 5.75% |
| Brookings, SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,906 | 7.63% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,003 | 6.63% |
| Price, UT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,039 | 6.25% |
| Wilson, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $13,290 | 6.63% |
| Freeport, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,800 | 7.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,619 | 7.19% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,230 | 6.99% |
| Tifton, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,866 | 7.13% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,367 | 6.25% |
| El Campo, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,363 | 7.13% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,045 | 6.50% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,439 | 6.25% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,682 | 6.50% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,647 | 6.75% |
| Parsons, KS (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $4,067 | 7.21% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,002 | 7.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,277 | 6.38% |
| Dayton, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,743 | 7.63% |
| Douglas, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,228 | 6.63% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,420 | 6.88% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,848 | 8.13% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,009 | 6.99% |
| NILES, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,935 | 7.13% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $620 | 6.75% |
| Jesup, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,399 | 6.75% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,165 | 7.25% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,997 | 6.88% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,243 | 6.25% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,738 | 6.25% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,878 | 5.99% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,687 | 6.75% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,861 | 6.50% |
| Batesville, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,193 | 6.13% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $11,042 | 5.50% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,831 | 6.75% |
| Central City, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,145 | 6.25% |
| Marion, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,697 | 5.63% |
| Levelland, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,990 | 6.13% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,574 | 7.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,467 | 7.38% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,259 | 6.25% |
| Española, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,629 | 6.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $10,939 | 5.63% |
| Crossville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,084 | 7.38% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,083 | 7.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,321 | 6.99% |
| Easton, MD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,036 | 6.25% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,362 | 7.88% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,100 | 8.13% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,968 | 6.50% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,273 | 5.99% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,041 | 6.38% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,273 | 6.99% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,015 | 7.25% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,147 | 6.99% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,714 | 6.88% |
| AKRON, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,020 | 6.99% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.10% |
| Wooster, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,212 | 6.63% |
| Susanville, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,268 | 7.13% |
| Middlesborough, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,638 | 6.00% |
| Jamestown, ND (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,843 | 6.50% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,520 | 6.75% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,755 | 7.50% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,286 | 7.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,233 | 6.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 13.10% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,813 | 6.38% |
| Fairfield, IA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,820 | 7.63% |
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Product Mix
For 2024, Sierra Pacific Mortgage Company's most frequently originated type of loan was Conventional, with 5,150 originations. Their 2nd most popular type was FHA, with 1,841 originations.
Loan Reason
For 2024, Sierra Pacific Mortgage Company's most frequently cited loan purpose was Home Purchase, with 6,388 originations. The 2nd most popular reason was Cash Out Refi, with 568 originations.
Loan Duration/Length
For 2024, Sierra Pacific Mortgage Company's most frequently cited loan duration was 30 Year, with 7,431 originations. The 2nd most popular length was 15 Year, with 95 originations.
Origination Fees/Closing Costs
Sierra Pacific Mortgage Company's average total fees were $10,526, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,349 originations.
Interest Rates
During 2024, Sierra Pacific Mortgage Company's average interest rate for loans was 6.62%, while their most frequently originated rate bucket for loans was 6-7%, with 4,778 originations.
Loan Sizing
2024 saw Sierra Pacific Mortgage Company place emphasis on $200k-400k loans with 3,502 originations, totaling $1,046,280,000 in origination value.
Applicant Income
Sierra Pacific Mortgage Company lent most frequently to those with incomes in the $100k-150k range, with 2,119 originations. The second most popular income band? $150k-250k, with 1,480 originations.
Applicant Debt to Income Ratio
Sierra Pacific Mortgage Company lent most frequently to those with DTI ratios of 30-36%, with 928 originations. The next most common DTI ratio? 20-30%, with 748 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.69%
Sierra Pacific Mortgage Company has an average approval rate.
Pick Rate
Approvals leading to origination79.48%
Sierra Pacific Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,598 | $2,717,490,000 | $357,659 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,598 | $2,717,490,000 | $357,659 |