Geneva Financial Mortgage Rates, Fees & Info

ORO VALLEY, AZ

LEI: 5493001XKL0FTNOJ0866

Tax ID: 26-1589507

2.7 stars - out of 5 stars, based on 100 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Geneva Financial is a small mortgage company specializing in Home Purchase, Cash Out Refi, and Refi loans. Geneva Financial 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: Phoenix, Portland, Seattle, Miami, and Los Angeles among others. We have data for 470 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Geneva Financial has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Geneva Financial 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
    Home Equity Line of Credit (HELOC) 6.58% 12/4/22
    30 Year Conventional Purchase 7.13% 12/4/22
    30 Year Conventional Refi 6.93% 12/4/22
    30 Year Cash-out Refi 7.16% 12/4/22
    30 Year FHA Purchase 7.99% 12/4/22
    30 Year FHA Refi 7.48% 12/4/22
    30 Year VA Purchase 6.83% 12/4/22
    30 Year VA Refi 6.36% 12/4/22
    30 Year USDA Purchase 7.19% 12/4/22
    30 Year USDA Refi 7.03% 12/4/22
    15 Year Conventional Purchase 6.37% 12/4/22
    15 Year Conventional Refi 6.31% 12/4/22
    15 Year Cash-out Refi 6.31% 12/4/22
    15 Year FHA Purchase 7.61% 12/4/22
    15 Year FHA Refi 7.29% 12/4/22
    15 Year VA Purchase 5.62% 12/4/22
    15 Year VA Refi 6.34% 12/4/22
    15 Year USDA Refi 7.69% 12/4/22
    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.


    Originations

    10,048

    Origination Dollar Volume (All Markets)

    $2,715,280,000

    Awards

    GENEVA FINANCIAL FHA Loans gold GENEVA FINANCIAL FHA Loans bronze GENEVA FINANCIAL USDA Loans gold GENEVA FINANCIAL USDA Loans gold
    Show all (4) awards

    Relative Rate

    Geneva Financial's average 30 year fixed mortgage rate was 3.27%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.12%.

    Relative Fees (Closing Costs)

    Geneva Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $6,669.

    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
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1,306 $379,580,000 $290,643 $6,087 3.23%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 386 $139,290,000 $360,855 $6,900 3.23%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 240 $107,160,000 $446,500 $7,384 3.14%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 261 $80,145,000 $307,069 $8,587 3.12%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 145 $78,035,000 $538,172 $8,606 3.17%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 280 $77,480,000 $276,714 $7,404 3.30%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 228 $76,060,000 $333,596 $6,912 3.11%
    BEND, OR (FHA|USDA|VA) 177 $68,515,000 $387,090 $8,238 3.18%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 212 $54,190,000 $255,613 $6,454 3.40%
    SALEM, OR (FHA|USDA|VA) 173 $51,305,000 $296,561 $6,990 3.22%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 180 $48,040,000 $266,889 $7,203 3.30%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 166 $46,650,000 $281,024 $6,360 3.19%
    Outside of Metro Areas 229 $44,865,000 $195,917 $5,606 3.23%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 157 $39,995,000 $254,745 $5,507 3.12%
    TUCSON, AZ (FHA|USDA|VA) 168 $39,230,000 $233,512 $7,061 3.32%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 172 $37,440,000 $217,674 $6,530 3.31%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 134 $36,880,000 $275,224 $5,868 3.30%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 144 $36,530,000 $253,681 $7,997 3.19%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 91 $34,545,000 $379,615 $6,390 3.06%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 179 $33,925,000 $189,525 $4,935 3.40%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 173 $32,575,000 $188,295 $4,784 3.25%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 123 $31,755,000 $258,171 $7,093 3.24%
    PUNTA GORDA, FL (FHA|USDA|VA) 115 $30,695,000 $266,913 $5,708 3.18%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 77 $28,125,000 $365,260 $6,270 3.15%
    RICHMOND, VA (FHA|USDA|VA) 102 $26,330,000 $258,137 $5,300 3.37%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 48 $24,120,000 $502,500 $10,186 2.92%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 126 $23,460,000 $186,190 $5,766 3.13%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 95 $22,395,000 $235,737 $5,659 3.35%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 67 $20,905,000 $312,015 $9,140 3.28%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 36 $19,630,000 $545,278 $8,383 3.10%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 56 $17,660,000 $315,357 $6,701 3.18%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 78 $17,610,000 $225,769 $4,243 3.17%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 52 $16,980,000 $326,538 $8,206 3.23%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 54 $16,950,000 $313,889 $9,041 3.20%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 97 $16,825,000 $173,454 $5,128 3.23%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 55 $16,415,000 $298,455 $7,210 3.21%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 60 $16,410,000 $273,500 $7,898 3.17%
    Hobbs, NM (FHA|USDA|VA) 61 $16,405,000 $268,934 $8,850 3.12%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 80 $16,340,000 $204,250 $5,529 3.22%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 68 $15,820,000 $232,647 $5,306 3.25%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 67 $15,475,000 $230,970 $7,238 3.06%
    Payson, AZ (FHA|USDA|VA) 80 $14,360,000 $179,500 $5,998 3.25%
    SAN ANGELO, TX (FHA|USDA|VA) 69 $14,095,000 $204,275 $5,135 3.19%
    YUMA, AZ (FHA|USDA|VA) 79 $13,715,000 $173,608 $6,075 3.07%
    COLUMBIA, SC (FHA|USDA|VA) 64 $13,680,000 $213,750 $4,925 3.19%
    Outside of Metro Areas 37 $13,515,000 $365,270 $7,301 3.30%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 36 $13,350,000 $370,833 $8,414 3.14%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 59 $13,295,000 $225,339 $5,714 3.16%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 51 $12,865,000 $252,255 $5,683 3.38%
    Richmond-Berea, KY (FHA|USDA|VA) 62 $12,800,000 $206,452 $4,503 3.19%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 65 $12,725,000 $195,769 $6,108 3.29%
    BOISE CITY, ID (FHA|USDA|VA) 43 $11,915,000 $277,093 $7,317 3.23%
    COLUMBUS, OH (FHA|USDA|VA) 55 $11,265,000 $204,818 $5,894 3.43%
    FLAGSTAFF, AZ (FHA|USDA|VA) 34 $11,120,000 $327,059 $5,630 3.10%
    JACKSONVILLE, FL (FHA|USDA|VA) 47 $10,635,000 $226,277 $7,051 3.40%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 27 $10,285,000 $380,926 $6,175 3.24%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 46 $10,160,000 $220,870 $4,914 3.09%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 44 $10,160,000 $230,909 $6,211 3.29%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 19 $10,155,000 $534,474 $8,174 2.96%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 36 $10,110,000 $280,833 $7,983 3.20%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 27 $9,865,000 $365,370 $7,141 3.00%
    EL CENTRO, CA (FHA|USDA|VA) 48 $9,570,000 $199,375 $7,012 2.76%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 59 $9,515,000 $161,271 $6,088 2.95%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 62 $9,340,000 $150,645 $4,679 3.48%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 43 $9,305,000 $216,395 $7,998 3.23%
    Madison, IN (FHA|USDA|VA) 64 $8,770,000 $137,031 $5,370 3.02%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 29 $8,655,000 $298,448 $7,138 3.31%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 25 $7,785,000 $311,400 $6,708 3.27%
    NAPA, CA (FHA|USDA|VA) 18 $7,770,000 $431,667 $5,550 3.18%
    HUNTSVILLE, AL (FHA|USDA|VA) 40 $7,280,000 $182,000 $5,029 3.70%
    RALEIGH-CARY, NC (FHA|USDA|VA) 27 $7,235,000 $267,963 $5,778 3.01%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 12 $7,170,000 $597,500 $9,803 3.01%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 10 $7,120,000 $712,000 $7,392 4.54%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 26 $6,620,000 $254,615 $7,702 3.31%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 29 $6,485,000 $223,621 $6,510 3.03%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 15 $6,435,000 $429,000 $7,945 3.32%
    Danville, KY (FHA|USDA|VA) 35 $6,025,000 $172,143 $4,085 3.10%
    ST. GEORGE, UT (FHA|USDA|VA) 18 $6,020,000 $334,444 $8,012 3.22%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 15 $5,905,000 $393,667 $7,806 2.97%
    Montrose, CO (FHA|USDA|VA) 21 $5,675,000 $270,238 $5,503 2.65%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 15 $5,535,000 $369,000 $6,636 3.33%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 24 $5,510,000 $229,583 $6,760 3.41%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 16 $5,480,000 $342,500 $6,582 3.38%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 10 $5,330,000 $533,000 $9,449 3.20%
    MODESTO, CA (FHA|USDA|VA) 17 $5,245,000 $308,529 $6,528 2.90%
    Prineville, OR (FHA|USDA|VA) 17 $5,175,000 $304,412 $7,393 3.58%
    Centralia, WA (FHA|USDA|VA) 16 $5,070,000 $316,875 $9,368 2.78%
    CORVALLIS, OR (FHA|USDA|VA) 16 $5,000,000 $312,500 $7,527 3.13%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 30 $4,990,000 $166,333 $5,830 3.36%
    LONGVIEW, WA (FHA|USDA|VA) 16 $4,960,000 $310,000 $6,330 2.97%
    BOULDER, CO (FHA|USDA|VA) 11 $4,825,000 $438,636 $8,276 3.22%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 35 $4,755,000 $135,857 $5,832 3.88%
    TOLEDO, OH (FHA|USDA|VA) 36 $4,740,000 $131,667 $4,805 3.49%
    OCALA, FL (FHA|USDA|VA) 23 $4,585,000 $199,348 $6,270 3.61%
    VALLEJO, CA (FHA|USDA|VA) 12 $4,490,000 $374,167 $6,675 3.25%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 10 $4,440,000 $444,000 $9,125 3.15%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 31 $4,395,000 $141,774 $4,058 3.57%
    Show Low, AZ (FHA|USDA|VA) 16 $4,370,000 $273,125 $4,953 3.27%
    SPRINGFIELD, MO (FHA|USDA|VA) 18 $4,200,000 $233,333 $4,411 3.38%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 12 $4,180,000 $348,333 $7,821 3.22%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 14 $3,810,000 $272,143 $4,135 3.39%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 9 $3,805,000 $422,778 $7,444 2.99%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 15 $3,795,000 $253,000 $5,745 3.21%
    STOCKTON, CA (FHA|USDA|VA) 11 $3,765,000 $342,273 $6,339 3.39%
    RENO, NV (FHA|USDA|VA) 8 $3,680,000 $460,000 $6,968 3.38%
    Aberdeen, WA (FHA|USDA|VA) 18 $3,650,000 $202,778 $5,275 2.89%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 28 $3,440,000 $122,857 $5,930 3.66%
    MIDLAND, MI (FHA|USDA|VA) 28 $3,420,000 $122,143 $3,571 2.81%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 19 $3,405,000 $179,211 $5,057 3.16%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 27 $3,345,000 $123,889 $5,931 4.06%
    HINESVILLE, GA (FHA|USDA|VA) 17 $3,305,000 $194,412 $5,295 3.18%
    SALT LAKE CITY, UT (FHA|USDA|VA) 9 $2,945,000 $327,222 $5,698 3.16%
    MONROE, MI (FHA|USDA|VA) 17 $2,925,000 $172,059 $4,868 3.48%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 10 $2,890,000 $289,000 $8,044 3.56%
    BAKERSFIELD, CA (FHA|USDA|VA) 9 $2,815,000 $312,778 $7,260 3.41%
    ANN ARBOR, MI (FHA|USDA|VA) 10 $2,730,000 $273,000 $5,212 2.91%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $2,730,000 $455,000 $7,530 3.19%
    Fernley, NV (FHA|USDA|VA) 13 $2,625,000 $201,923 $4,160 3.43%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 12 $2,620,000 $218,333 $5,766 3.31%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $2,620,000 $218,333 $6,076 3.56%
    LAFAYETTE, LA (FHA|USDA|VA) 13 $2,585,000 $198,846 $7,114 2.95%
    WORCESTER, MA-CT (FHA|USDA|VA) 8 $2,200,000 $275,000 $7,732 3.45%
    CLEVELAND, TN (FHA|USDA|VA) 9 $2,125,000 $236,111 $9,803 3.25%
    LANCASTER, PA (FHA|USDA|VA) 10 $2,110,000 $211,000 $6,993 3.31%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 12 $2,070,000 $172,500 $5,942 3.57%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 11 $2,065,000 $187,727 $6,600 3.42%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 11 $2,045,000 $185,909 $5,147 3.10%
    IDAHO FALLS, ID (FHA|USDA|VA) 6 $2,030,000 $338,333 $8,907 3.00%
    EL PASO, TX (FHA|USDA|VA) 11 $1,995,000 $181,364 $5,669 3.63%
    SALINAS, CA (FHA|USDA|VA) 4 $1,890,000 $472,500 $5,916 3.19%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 16 $1,880,000 $117,500 $4,844 3.36%
    Okeechobee, FL (FHA|USDA|VA) 12 $1,870,000 $155,833 $6,113 3.56%
    Coos Bay, OR (FHA|USDA|VA) 8 $1,870,000 $233,750 $6,636 3.13%
    GAINESVILLE, GA (FHA|USDA|VA) 7 $1,865,000 $266,429 $7,046 3.48%
    Georgetown, SC (FHA|USDA|VA) 5 $1,825,000 $365,000 $5,981 3.74%
    Arcadia, FL (FHA|USDA|VA) 7 $1,805,000 $257,857 $4,683 3.21%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 5 $1,785,000 $357,000 $6,948 3.20%
    SAVANNAH, GA (FHA|USDA|VA) 8 $1,780,000 $222,500 $5,513 3.34%
    Opelousas, LA (FHA|USDA|VA) 11 $1,775,000 $161,364 $6,650 3.31%
    Ellensburg, WA (FHA|USDA|VA) 5 $1,765,000 $353,000 $6,483 3.58%
    FLORENCE, SC (FHA|USDA|VA) 11 $1,755,000 $159,545 $6,288 3.33%
    ASHEVILLE, NC (FHA|USDA|VA) 7 $1,745,000 $249,286 $8,473 3.39%
    FORT COLLINS, CO (FHA|USDA|VA) 5 $1,725,000 $345,000 $11,121 3.70%
    WENATCHEE, WA (FHA|USDA|VA) 4 $1,720,000 $430,000 $6,161 3.19%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 11 $1,715,000 $155,909 $5,552 3.52%
    SPARTANBURG, SC (FHA|USDA|VA) 9 $1,705,000 $189,444 $6,298 3.11%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 8 $1,700,000 $212,500 $5,294 3.89%
    SAGINAW, MI (FHA|USDA|VA) 17 $1,685,000 $99,118 $3,568 2.94%
    Hilo, HI (FHA|USDA|VA) 4 $1,670,000 $417,500 $8,587 3.91%
    MOBILE, AL (FHA|USDA|VA) 9 $1,655,000 $183,889 $4,506 3.33%
    FRESNO, CA (FHA|USDA|VA) 7 $1,635,000 $233,571 $6,715 3.09%
    Nogales, AZ (FHA|USDA|VA) 7 $1,625,000 $232,143 $6,043 3.02%
    YUBA CITY, CA (FHA|USDA|VA) 6 $1,620,000 $270,000 $8,007 3.46%
    ALBUQUERQUE, NM (FHA|USDA|VA) 11 $1,595,000 $145,000 $6,304 3.41%
    Sevierville, TN (FHA|USDA|VA) 7 $1,585,000 $226,429 $6,765 3.13%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 6 $1,580,000 $263,333 $6,725 3.19%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $1,570,000 $157,000 $5,159 3.24%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 7 $1,565,000 $223,571 $4,914 3.05%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $1,505,000 $301,000 $7,489 3.38%
    ODESSA, TX (FHA|USDA|VA) 7 $1,505,000 $215,000 $9,048 3.05%
    POCATELLO, ID (FHA|USDA|VA) 6 $1,490,000 $248,333 $5,746 3.40%
    READING, PA (FHA|USDA|VA) 10 $1,480,000 $148,000 $5,301 3.73%
    Mount Sterling, KY (FHA|USDA|VA) 8 $1,480,000 $185,000 $4,887 3.27%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 12 $1,440,000 $120,000 $5,623 3.54%
    Frankfort, KY (FHA|USDA|VA) 6 $1,440,000 $240,000 $5,420 3.10%
    FAYETTEVILLE, NC (FHA|USDA|VA) 8 $1,430,000 $178,750 $6,155 3.36%
    Shelton, WA (FHA|USDA|VA) 6 $1,420,000 $236,667 $5,723 3.51%
    Newport, OR (FHA|USDA|VA) 5 $1,415,000 $283,000 $7,897 3.10%
    BATON ROUGE, LA (FHA|USDA|VA) 9 $1,405,000 $156,111 $6,257 3.19%
    Warrensburg, MO (FHA|USDA|VA) 7 $1,405,000 $200,714 $5,685 3.02%
    WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,400,000 $175,000 $5,102 3.17%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,395,000 $199,286 $7,772 3.27%
    GRAND JUNCTION, CO (FHA|USDA|VA) 6 $1,340,000 $223,333 $4,606 3.40%
    Sandpoint, ID (FHA|USDA|VA) 4 $1,330,000 $332,500 $6,786 3.28%
    GREELEY, CO (FHA|USDA|VA) 4 $1,330,000 $332,500 $5,412 3.25%
    Oak Harbor, WA (FHA|USDA|VA) 4 $1,310,000 $327,500 $5,713 3.50%
    URBAN HONOLULU, HI (FHA|USDA|VA) 3 $1,305,000 $435,000 $13,130 4.17%
    ALBANY, GA (FHA|USDA|VA) 6 $1,300,000 $216,667 $6,152 2.98%
    PUEBLO, CO (FHA|USDA|VA) 7 $1,295,000 $185,000 $5,966 3.68%
    PROVO-OREM, UT (FHA|USDA|VA) 4 $1,290,000 $322,500 $4,000 3.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,290,000 $215,000 $5,804 3.42%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 7 $1,275,000 $182,143 $4,825 3.64%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $1,270,000 $211,667 $5,248 3.27%
    Moses Lake, WA (FHA|USDA|VA) 4 $1,270,000 $317,500 $7,987 3.41%
    Cedar City, UT (FHA|USDA|VA) 3 $1,265,000 $421,667 $5,623 3.38%
    Roseburg, OR (FHA|USDA|VA) 6 $1,260,000 $210,000 $6,567 3.35%
    BOWLING GREEN, KY (FHA|USDA|VA) 4 $1,230,000 $307,500 $5,199 3.28%
    JACKSON, MS (FHA|USDA|VA) 8 $1,150,000 $143,750 $5,756 3.96%
    Key West, FL (FHA|USDA|VA) 3 $1,145,000 $381,667 $6,037 3.17%
    BAY CITY, MI (FHA|USDA|VA) 10 $1,140,000 $114,000 $4,115 3.08%
    DECATUR, AL (FHA|USDA|VA) 9 $1,135,000 $126,111 $4,883 3.72%
    Heber, UT (FHA|USDA|VA) 4 $1,100,000 $275,000 $9,091 2.47%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 11 $1,085,000 $98,636 $2,956 2.68%
    PANAMA CITY, FL (FHA|USDA|VA) 4 $1,070,000 $267,500 $8,842 3.22%
    WILMINGTON, NC (FHA|USDA|VA) 7 $1,065,000 $152,143 $4,105 3.64%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $1,065,000 $1,065,000 $22,184 3.25%
    Clearlake, CA (FHA|USDA|VA) 3 $1,065,000 $355,000 $7,209 3.04%
    KNOXVILLE, TN (FHA|USDA|VA) 7 $1,055,000 $150,714 $5,580 3.54%
    PITTSBURGH, PA (FHA|USDA|VA) 5 $1,035,000 $207,000 $5,977 4.10%
    Kapaa, HI (FHA|USDA|VA) 2 $1,020,000 $510,000 $30,983 3.01%
    WALLA WALLA, WA (FHA|USDA|VA) 3 $1,015,000 $338,333 $5,666 3.25%
    YORK-HANOVER, PA (FHA|USDA|VA) 5 $1,005,000 $201,000 $8,262 3.60%
    North Vernon, IN (FHA|USDA|VA) 6 $1,000,000 $166,667 $4,780 3.10%
    JACKSONVILLE, NC (FHA|USDA|VA) 4 $990,000 $247,500 $5,628 3.16%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $970,000 $242,500 $8,984 3.56%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 6 $940,000 $156,667 $5,907 3.27%
    Jefferson, GA (FHA|USDA|VA) 4 $930,000 $232,500 $5,002 3.28%
    MEDFORD, OR (FHA|USDA|VA) 3 $905,000 $301,667 $9,356 3.17%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $875,000 $175,000 $5,097 3.43%
    Athens, TN (FHA|USDA|VA) 3 $865,000 $288,333 $8,730 2.71%
    ROCKFORD, IL (FHA|USDA|VA) 6 $860,000 $143,333 $3,358 3.31%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $850,000 $212,500 $6,782 3.25%
    Cookeville, TN (FHA|USDA|VA) 4 $840,000 $210,000 $6,729 3.16%
    Moscow, ID (FHA|USDA|VA) 2 $830,000 $415,000 $5,815 3.19%
    VALDOSTA, GA (FHA|USDA|VA) 5 $825,000 $165,000 $5,565 3.55%
    Safford, AZ (FHA|USDA|VA) 3 $825,000 $275,000 $4,034 3.21%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 5 $825,000 $165,000 $4,746 4.13%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $815,000 $271,667 $4,947 3.00%
    COLUMBUS, GA-AL (FHA|USDA|VA) 5 $815,000 $163,000 $4,584 3.43%
    Klamath Falls, OR (FHA|USDA|VA) 4 $780,000 $195,000 $4,903 3.25%
    COLUMBIA, MO (FHA|USDA|VA) 3 $765,000 $255,000 $6,144 3.29%
    Dayton, TN (FHA|USDA|VA) 3 $755,000 $251,667 $11,384 3.13%
    Somerset, KY (FHA|USDA|VA) 4 $730,000 $182,500 $3,330 3.22%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $730,000 $182,500 $6,603 3.59%
    BLOOMINGTON, IL (FHA|USDA|VA) 3 $725,000 $241,667 $6,521 3.21%
    SPRINGFIELD, MA (FHA|USDA|VA) 3 $725,000 $241,667 $8,573 3.83%
    Rexburg, ID (FHA|USDA|VA) 4 $720,000 $180,000 $3,930 3.81%
    Lewisburg, TN (FHA|USDA|VA) 4 $720,000 $180,000 $6,893 3.94%
    Durango, CO (FHA|USDA|VA) 1 $715,000 $715,000 $7,979 3.63%
    Keene, NH (FHA|USDA|VA) 3 $705,000 $235,000 $5,742 3.17%
    Eureka-Arcata, CA (FHA|USDA|VA) 2 $700,000 $350,000 $5,936 3.00%
    GREENVILLE, NC (FHA|USDA|VA) 5 $685,000 $137,000 $4,195 2.98%
    DALTON, GA (FHA|USDA|VA) 4 $680,000 $170,000 $7,412 3.22%
    LEWISTON, ID-WA (FHA|USDA|VA) 2 $660,000 $330,000 $3,751 3.31%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $640,000 $160,000 $7,826 3.41%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $635,000 $211,667 $5,016 3.58%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $630,000 $105,000 $5,748 4.22%
    Pahrump, NV (FHA|USDA|VA) 4 $620,000 $155,000 $4,691 2.72%
    Newberry, SC (FHA|USDA|VA) 3 $615,000 $205,000 $6,840 3.54%
    YAKIMA, WA (FHA|USDA|VA) 3 $605,000 $201,667 $2,694 3.21%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $605,000 $605,000 $7,062 2.25%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $600,000 $300,000 $3,890 3.19%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $600,000 $150,000 $4,979 4.00%
    Cullowhee, NC (FHA|USDA|VA) 2 $590,000 $295,000 $7,637 3.31%
    MORRISTOWN, TN (FHA|USDA|VA) 2 $590,000 $295,000 $4,926 3.50%
    Clewiston, FL (FHA|USDA|VA) 2 $580,000 $290,000 $7,166 3.06%
    LINCOLN, NE (FHA|USDA|VA) 4 $580,000 $145,000 $0 3.97%
    Ontario, OR-ID (FHA|USDA|VA) 3 $575,000 $191,667 $5,056 3.33%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $570,000 $285,000 $4,482 3.38%
    FLINT, MI (FHA|USDA|VA) 2 $560,000 $280,000 $3,068 3.63%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $560,000 $280,000 $7,863 3.75%
    Red Bluff, CA (FHA|USDA|VA) 2 $550,000 $275,000 $2,843 2.25%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $545,000 $545,000 $4,321 3.25%
    The Dalles, OR (FHA|USDA|VA) 3 $545,000 $181,667 $7,113 3.33%
    Palestine, TX (FHA|USDA|VA) 1 $545,000 $545,000 $9,319 2.50%
    MONTGOMERY, AL (FHA|USDA|VA) 5 $545,000 $109,000 $5,663 3.73%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $535,000 $178,333 $5,412 2.88%
    VISALIA, CA (FHA|USDA|VA) 3 $535,000 $178,333 $3,662 3.33%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $530,000 $265,000 $5,516 3.31%
    MERCED, CA (FHA|USDA|VA) 2 $530,000 $265,000 $8,231 3.25%
    JOHNSON CITY, TN (FHA|USDA|VA) 2 $520,000 $260,000 $5,934 2.63%
    CHICO, CA (FHA|USDA|VA) 3 $505,000 $168,333 $4,078 3.25%
    Ukiah, CA (FHA|USDA|VA) 1 $505,000 $505,000 $10,139 3.63%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $500,000 $250,000 $8,619 3.50%
    London, KY (FHA|USDA|VA) 2 $500,000 $250,000 $7,626 3.38%
    Bellefontaine, OH (FHA|USDA|VA) 2 $500,000 $250,000 $4,303 3.44%
    GRANTS PASS, OR (FHA|USDA|VA) 2 $490,000 $245,000 $3,488 2.94%
    Shelbyville, TN (FHA|USDA|VA) 3 $485,000 $161,667 $5,898 3.54%
    FORT SMITH, AR-OK (FHA|USDA|VA) 4 $480,000 $120,000 $4,712 2.66%
    Astoria, OR (FHA|USDA|VA) 1 $475,000 $475,000 $3,771 2.88%
    Lebanon, MO (FHA|USDA|VA) 2 $470,000 $235,000 $3,288 3.06%
    GOLDSBORO, NC (FHA|USDA|VA) 2 $470,000 $235,000 $5,731 3.13%
    Sonora, CA (FHA|USDA|VA) 1 $465,000 $465,000 $6,651 3.38%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $465,000 $155,000 $6,956 3.38%
    Sanford, NC (FHA|USDA|VA) 2 $460,000 $230,000 $7,951 3.31%
    MISSOULA, MT (FHA|USDA|VA) 1 $455,000 $455,000 $3,913 3.63%
    STAUNTON, VA (FHA|USDA|VA) 2 $450,000 $225,000 $4,023 3.63%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $445,000 $445,000 $4,859 3.25%
    Marshall, MO (FHA|USDA|VA) 3 $435,000 $145,000 $6,568 3.08%
    Edwards, CO (FHA|USDA|VA) 1 $435,000 $435,000 $3,601 2.88%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $430,000 $215,000 $5,989 3.56%
    ROANOKE, VA (FHA|USDA|VA) 3 $425,000 $141,667 $4,284 3.50%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $420,000 $210,000 $8,832 3.63%
    Albertville, AL (FHA|USDA|VA) 2 $420,000 $210,000 $7,388 3.38%
    Hailey, ID (FHA|USDA|VA) 1 $415,000 $415,000 $6,134 3.00%
    Holland, MI (FHA|USDA|VA) 2 $410,000 $205,000 $9,447 2.63%
    REDDING, CA (FHA|USDA|VA) 2 $410,000 $205,000 $4,769 3.19%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $410,000 $205,000 $3,146 3.19%
    Gainesville, TX (FHA|USDA|VA) 2 $410,000 $205,000 $4,547 3.81%
    NEW BERN, NC (FHA|USDA|VA) 2 $410,000 $205,000 $5,578 3.38%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $405,000 $135,000 $5,962 2.63%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $400,000 $200,000 $3,270 3.06%
    Mountain Home, ID (FHA|USDA|VA) 2 $400,000 $200,000 $7,857 2.88%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $395,000 $131,667 $6,150 2.50%
    MADERA, CA (FHA|USDA|VA) 2 $390,000 $195,000 $5,041 3.25%
    Rochelle, IL (FHA|USDA|VA) 2 $390,000 $195,000 $4,742 3.38%
    Pullman, WA (FHA|USDA|VA) 2 $390,000 $195,000 $8,563 3.00%
    Winnemucca, NV (FHA|USDA|VA) 1 $385,000 $385,000 $4,733 3.25%
    MUNCIE, IN (FHA|USDA|VA) 3 $385,000 $128,333 $2,882 3.21%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $385,000 $128,333 $4,731 3.38%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $380,000 $190,000 $3,101 3.31%
    Albemarle, NC (FHA|USDA|VA) 2 $380,000 $190,000 $6,576 3.13%
    Morehead City, NC (FHA|USDA|VA) 2 $380,000 $190,000 $5,834 3.06%
    TULSA, OK (FHA|USDA|VA) 3 $375,000 $125,000 $5,774 3.08%
    TOPEKA, KS (FHA|USDA|VA) 2 $370,000 $185,000 $6,556 3.19%
    ABILENE, TX (FHA|USDA|VA) 2 $360,000 $180,000 $4,332 3.13%
    ROCKY MOUNT, NC (FHA|USDA|VA) 2 $360,000 $180,000 $6,540 3.25%
    Andrews, TX (FHA|USDA|VA) 1 $355,000 $355,000 $16,844 3.25%
    Mineral Wells, TX (FHA|USDA|VA) 1 $355,000 $355,000 $12,366 2.88%
    Pearsall, TX (FHA|USDA|VA) 1 $355,000 $355,000 $13,014 2.88%
    Riverton, WY (FHA|USDA|VA) 2 $350,000 $175,000 $5,084 3.44%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $350,000 $175,000 $3,307 3.38%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $350,000 $175,000 $5,826 3.75%
    Lake City, FL (FHA|USDA|VA) 2 $340,000 $170,000 $5,946 3.00%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $340,000 $170,000 $4,900 2.75%
    Mount Pleasant, MI (FHA|USDA|VA) 4 $340,000 $85,000 $3,105 2.66%
    LEBANON, PA (FHA|USDA|VA) 1 $335,000 $335,000 $7,384 3.50%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $335,000 $335,000 $8,329 3.25%
    Hannibal, MO (FHA|USDA|VA) 2 $330,000 $165,000 $3,759 3.31%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $330,000 $165,000 $3,347 3.19%
    PEORIA, IL (FHA|USDA|VA) 1 $325,000 $325,000 $1,093 3.25%
    Bozeman, MT (FHA|USDA|VA) 1 $325,000 $325,000 $0 3.63%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $325,000 $325,000 $6,616 3.25%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $325,000 $325,000 $8,791 3.25%
    Beeville, TX (FHA|USDA|VA) 2 $320,000 $160,000 $5,836 3.00%
    Shelby, NC (FHA|USDA|VA) 2 $320,000 $160,000 $7,982 3.88%
    St. Marys, GA (FHA|USDA|VA) 2 $320,000 $160,000 $10,515 3.06%
    AMARILLO, TX (FHA|USDA|VA) 3 $315,000 $105,000 $0 3.88%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $315,000 $315,000 $19,024 2.88%
    Cordele, GA (FHA|USDA|VA) 1 $315,000 $315,000 $7,086 3.13%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $315,000 $315,000 $925 2.75%
    LUBBOCK, TX (FHA|USDA|VA) 2 $310,000 $155,000 $6,884 2.44%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $305,000 $305,000 $5,072 3.50%
    Burley, ID (FHA|USDA|VA) 1 $305,000 $305,000 $4,470 3.13%
    Seymour, IN (FHA|USDA|VA) 2 $300,000 $150,000 $6,970 3.31%
    LONGVIEW, TX (FHA|USDA|VA) 2 $300,000 $150,000 $5,421 3.19%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $300,000 $150,000 $9,887 3.63%
    DECATUR, IL (FHA|USDA|VA) 1 $295,000 $295,000 $7,961 2.88%
    Taos, NM (FHA|USDA|VA) 1 $295,000 $295,000 $3,777 3.38%
    JACKSON, MI (FHA|USDA|VA) 2 $290,000 $145,000 $4,695 3.00%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $290,000 $145,000 $3,809 2.81%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $285,000 $285,000 $4,009 3.00%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $285,000 $285,000 $5,221 3.38%
    Roanoke Rapids, NC (FHA|USDA|VA) 2 $280,000 $140,000 $4,942 3.56%
    FARMINGTON, NM (FHA|USDA|VA) 2 $280,000 $140,000 $3,804 2.94%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $275,000 $275,000 $5,390 3.38%
    New Castle, PA (FHA|USDA|VA) 2 $270,000 $135,000 $6,357 3.88%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $265,000 $265,000 $3,082 3.38%
    Traverse City, MI (FHA|USDA|VA) 2 $260,000 $130,000 $5,182 3.88%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $255,000 $255,000 $8,088 2.88%
    Alma, MI (FHA|USDA|VA) 3 $255,000 $85,000 $2,910 4.13%
    LAWRENCE, KS (FHA|USDA|VA) 2 $250,000 $125,000 $3,341 3.73%
    BURLINGTON, NC (FHA|USDA|VA) 2 $250,000 $125,000 $7,051 3.13%
    PINE BLUFF, AR (FHA|USDA|VA) 1 $245,000 $245,000 $7,750 3.75%
    Wabash, IN (FHA|USDA|VA) 1 $245,000 $245,000 $7,241 3.38%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $245,000 $245,000 $9,746 3.13%
    Greenwood, SC (FHA|USDA|VA) 2 $240,000 $120,000 $5,381 1.56%
    West Point, MS (FHA|USDA|VA) 4 $240,000 $60,000 $4,436 4.06%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.13%
    Union City, TN (FHA|USDA|VA) 1 $235,000 $235,000 $5,544 3.25%
    MIDLAND, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,813 2.88%
    Snyder, TX (FHA|USDA|VA) 2 $230,000 $115,000 $4,726 3.38%
    COLUMBUS, IN (FHA|USDA|VA) 2 $230,000 $115,000 $5,535 3.25%
    CHARLESTON, WV (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.13%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $230,000 $115,000 $2,962 3.81%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $230,000 $115,000 $0 3.86%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $225,000 $225,000 $1,025 3.38%
    SUMTER, SC (FHA|USDA|VA) 1 $225,000 $225,000 $9,292 3.00%
    Jesup, GA (FHA|USDA|VA) 1 $225,000 $225,000 $3,673 3.50%
    La Grande, OR (FHA|USDA|VA) 1 $225,000 $225,000 $9,318 3.63%
    McAlester, OK (FHA|USDA|VA) 2 $220,000 $110,000 $0 4.19%
    North Platte, NE (FHA|USDA|VA) 1 $215,000 $215,000 $4,075 3.25%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $215,000 $215,000 $7,270 2.88%
    KOKOMO, IN (FHA|USDA|VA) 1 $215,000 $215,000 $6,628 3.63%
    Borger, TX (FHA|USDA|VA) 1 $215,000 $215,000 $5,832 2.75%
    MANKATO, MN (FHA|USDA|VA) 1 $215,000 $215,000 $2,696 3.00%
    Henderson, NC (FHA|USDA|VA) 1 $205,000 $205,000 $8,188 3.25%
    Kerrville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $5,892 3.13%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,610 3.75%
    Mount Vernon, OH (FHA|USDA|VA) 1 $205,000 $205,000 $5,015 3.63%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $3,335 3.50%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $205,000 $205,000 $13,521 3.25%
    Hutchinson, MN (FHA|USDA|VA) 1 $205,000 $205,000 $4,921 3.50%
    BATTLE CREEK, MI (FHA|USDA|VA) 2 $200,000 $100,000 $5,465 4.38%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $200,000 $100,000 $3,541 3.50%
    SANTA FE, NM (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.86%
    Dixon, IL (FHA|USDA|VA) 1 $195,000 $195,000 $2,727 2.88%
    West Plains, MO (FHA|USDA|VA) 1 $195,000 $195,000 $3,786 2.88%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.13%
    Norwalk, OH (FHA|USDA|VA) 1 $195,000 $195,000 $7,348 3.25%
    Chillicothe, OH (FHA|USDA|VA) 1 $185,000 $185,000 $4,482 3.88%
    Toccoa, GA (FHA|USDA|VA) 1 $185,000 $185,000 $7,015 3.25%
    Central City, KY (FHA|USDA|VA) 1 $185,000 $185,000 $7,836 3.75%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $175,000 $175,000 $3,673 3.25%
    ROME, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,990 3.38%
    Gaffney, SC (FHA|USDA|VA) 1 $175,000 $175,000 $3,736 3.38%
    Glasgow, KY (FHA|USDA|VA) 1 $175,000 $175,000 $3,374 3.88%
    Othello, WA (FHA|USDA|VA) 1 $175,000 $175,000 $6,419 3.50%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $165,000 $165,000 $3,027 3.75%
    Greensburg, IN (FHA|USDA|VA) 3 $165,000 $55,000 $3,473 2.21%
    Crossville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $3,999 4.25%
    OWENSBORO, KY (FHA|USDA|VA) 1 $165,000 $165,000 $6,872 3.00%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $165,000 $165,000 $6,273 2.75%
    Sterling, IL (FHA|USDA|VA) 1 $155,000 $155,000 $8,211 4.25%
    Alice, TX (FHA|USDA|VA) 1 $155,000 $155,000 $6,945 3.00%
    Tiffin, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,884 2.88%
    ERIE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,440 2.63%
    Lexington, NE (FHA|USDA|VA) 1 $155,000 $155,000 $3,226 3.50%
    Ludington, MI (FHA|USDA|VA) 1 $155,000 $155,000 $5,863 3.13%
    Brevard, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,418 4.00%
    Dublin, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,208 3.25%
    Scottsboro, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,708 3.75%
    Bonham, TX (FHA|USDA|VA) 1 $145,000 $145,000 $7,990 3.50%
    Hays, KS (FHA|USDA|VA) 1 $145,000 $145,000 $6,100 3.00%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $145,000 $145,000 $3,334 3.38%
    Washington Court House, OH (FHA|USDA|VA) 1 $145,000 $145,000 $7,492 2.75%
    Butte-Silver Bow, MT (FHA|USDA|VA) 1 $145,000 $145,000 $5,893 3.63%
    Branson, MO (FHA|USDA|VA) 1 $145,000 $145,000 $4,773 2.88%
    Eagle Pass, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,422 2.75%
    New Ulm, MN (FHA|USDA|VA) 1 $135,000 $135,000 $3,560 3.00%
    Guymon, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,893 3.00%
    Campbellsville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $6,020 3.75%
    Thomasville, GA (FHA|USDA|VA) 1 $135,000 $135,000 $6,227 3.25%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $135,000 $135,000 $3,598 3.75%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $135,000 $135,000 $4,365 2.50%
    Fremont, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,329 3.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $125,000 $125,000 $4,016 3.13%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,542 3.50%
    DOVER, DE (FHA|USDA|VA) 1 $125,000 $125,000 $3,590 3.25%
    Atchison, KS (FHA|USDA|VA) 1 $125,000 $125,000 $2,935 3.38%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $125,000 $125,000 $3,166 2.50%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,915 3.75%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.13%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,263 3.63%
    Crawfordsville, IN (FHA|USDA|VA) 1 $125,000 $125,000 $6,185 3.75%
    Vidalia, GA (FHA|USDA|VA) 1 $115,000 $115,000 $5,618 3.25%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,936 3.50%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,376 3.88%
    Scottsburg, IN (FHA|USDA|VA) 1 $115,000 $115,000 $3,664 3.25%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.50%
    Scottsbluff, NE (FHA|USDA|VA) 1 $115,000 $115,000 $3,309 3.13%
    Bedford, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,558 3.25%
    BECKLEY, WV (FHA|USDA|VA) 1 $115,000 $115,000 $5,338 3.63%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $115,000 $115,000 $5,349 3.75%
    Mount Airy, NC (FHA|USDA|VA) 1 $115,000 $115,000 $5,099 2.63%
    Seneca, SC (FHA|USDA|VA) 1 $105,000 $105,000 $6,007 2.75%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,828 3.50%
    AKRON, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
    Jacksonville, IL (FHA|USDA|VA) 1 $105,000 $105,000 $4,425 3.25%
    Rolla, MO (FHA|USDA|VA) 1 $105,000 $105,000 $3,807 3.50%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $95,000 $95,000 $3,758 3.38%
    Greeneville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $5,172 2.88%
    Parsons, KS (FHA|USDA|VA) 1 $95,000 $95,000 $4,224 3.75%
    MUSKEGON, MI (FHA|USDA|VA) 1 $95,000 $95,000 $5,295 3.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,280 2.75%
    Martin, TN (FHA|USDA|VA) 1 $95,000 $95,000 $4,453 3.63%
    MONROE, LA (FHA|USDA|VA) 1 $95,000 $95,000 $3,162 3.25%
    Selma, AL (FHA|USDA|VA) 1 $85,000 $85,000 $4,069 3.00%
    Lincoln, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,831 3.00%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $85,000 $85,000 $5,036 3.50%
    Corsicana, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,746 3.50%
    Hope, AR (FHA|USDA|VA) 1 $85,000 $85,000 $4,522 2.88%
    Martinsville, VA (FHA|USDA|VA) 1 $75,000 $75,000 $3,148 2.88%
    Fort Payne, AL (FHA|USDA|VA) 1 $75,000 $75,000 $5,323 3.38%
    Stillwater, OK (FHA|USDA|VA) 1 $75,000 $75,000 $4,099 4.50%
    Kinston, NC (FHA|USDA|VA) 1 $75,000 $75,000 $3,154 3.25%
    Alexander City, AL (FHA|USDA|VA) 1 $75,000 $75,000 $4,203 3.50%
    LIMA, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.50%
    Effingham, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,786 3.50%
    LAWTON, OK (FHA|USDA|VA) 1 $65,000 $65,000 $4,919 3.25%
    Geneva Financial's top markets include Phoenix, Portland, Seattle, Miami, and Los Angeles among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,157 $1,944,325,000 $271,668 $5,329 3.27%
    FHA 1,950 $482,210,000 $247,287 $9,688 3.24%
    VA 671 $233,475,000 $347,951 $8,444 2.93%
    USDA 240 $47,260,000 $196,917 $6,180 2.99%
    HELOC 30 $8,010,000 $267,000 n/a 4.45%

    For 2021, Geneva Financial's most frequently originated type of loan was Conventional, with 7,157 originations. Their 2nd most popular type was FHA, with 1,950 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,566 $1,535,520,000 $275,875 $7,057 3.25%
    Cash Out Refi 2,283 $608,105,000 $266,362 $6,316 3.38%
    Refi 2,184 $567,970,000 $260,060 $5,040 3.06%
    Home Improvement 12 $3,210,000 $267,500 $5,983 3.03%
    Other 3 $475,000 $158,333 $5,649 3.00%

    For 2021, Geneva Financial's most frequently cited loan purpose was Home Purchase, with 5,566 originations. The 2nd most popular reason was Cash Out Refi, with 2,283 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 9,254 $2,562,440,000 $276,901 $6,669 3.27%
    15 Year 458 $91,830,000 $200,502 $4,399 2.73%
    20 Year 157 $38,185,000 $243,217 $4,711 3.10%
    Other 86 $11,430,000 $132,907 $2,575 2.15%
    10 Year 83 $4,295,000 $51,747 $1,060 4.42%
    3 Year 5 $35,000 $7,000 $85 0.00%
    30+ year 4 $7,060,000 $1,765,000 $12,738 4.65%
    5 Year 1 $5,000 $5,000 $0 0.00%

    For 2021, Geneva Financial's most frequently cited loan duration was 30 Year, with 9,254 originations. The 2nd most popular length was 15 Year, with 458 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,138 $1,068,350,000 $258,180
    $2k-3k 1,678 $416,940,000 $248,474
    $5k+ 1,414 $548,540,000 $387,935
    $3k-4k 1,303 $329,095,000 $252,567
    $4k-5k 825 $234,075,000 $283,727
    $<1k 597 $99,495,000 $166,658

    Geneva Financial's average total fees were $6,669, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,138 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 5,934 $1,630,480,000 $274,769
    2.5-3% 2,791 $772,315,000 $276,716
    <2.5% 645 $149,925,000 $232,442
    4-5% 593 $147,905,000 $249,418
    5-6% 70 $13,510,000 $193,000
    7-8% 6 $60,000 $10,000
    6-7% 3 $1,015,000 $338,333

    During 2021, Geneva Financial's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 3-4%, with 5,934 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,772 $1,354,470,000 $283,837 $7,013 3.26%
    $100k-200k 2,916 $450,630,000 $154,537 $4,900 3.29%
    $400k-600k 1,274 $609,680,000 $478,556 $8,211 3.22%
    $100,000 or less 768 $46,180,000 $60,130 $2,756 2.94%
    $600k-1MM 277 $198,115,000 $715,217 $11,858 3.21%
    $1MM+ 41 $56,205,000 $1,370,854 $16,668 3.67%

    2021 saw Geneva Financial place emphasis on $200k-400k loans with 4,772 originations, totaling $1,354,470,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,735 $621,015,000 $227,062 $6,327 3.21%
    $75k-100k 1,914 $519,100,000 $271,212 $6,689 3.27%
    $50k or less 1,891 $322,695,000 $170,648 $5,403 3.13%
    $100k-150k 1,876 $593,450,000 $316,338 $6,725 3.28%
    $150k-250k 1,090 $416,960,000 $382,532 $7,148 3.34%
    $250k+ 392 $195,570,000 $498,903 $8,618 3.47%

    Geneva Financial lent most frequently to those with incomes in the $50k-75k range, with 2,735 originations. The second most popular income band? $75k-100k, with 1,914 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,778 $474,660,000 $266,963 $5,639 3.24%
    30-36% 1,690 $451,150,000 $266,953 $6,003 3.24%
    <20% 735 $190,455,000 $259,122 $5,061 3.09%
    50-60% 702 $193,100,000 $275,071 $9,645 3.11%
    44% 466 $125,100,000 $268,455 $6,478 3.28%
    41% 459 $121,755,000 $265,261 $6,278 3.26%
    43% 450 $115,800,000 $257,333 $6,185 3.27%
    42% 416 $117,730,000 $283,005 $6,651 3.33%
    39% 381 $106,065,000 $278,386 $7,001 3.30%
    40% 380 $105,550,000 $277,763 $6,362 3.26%
    38% 367 $94,385,000 $257,180 $6,174 3.24%
    49% 329 $92,165,000 $280,137 $7,576 3.26%
    45% 317 $87,945,000 $277,429 $6,779 3.31%
    48% 314 $87,630,000 $279,076 $7,324 3.31%
    37% 313 $90,925,000 $290,495 $6,368 3.26%
    36% 310 $83,060,000 $267,935 $5,850 3.25%
    46% 295 $82,525,000 $279,746 $7,106 3.30%
    47% 278 $73,880,000 $265,755 $6,863 3.24%
    >60% 25 $9,465,000 $378,600 $9,119 2.98%

    Geneva Financial lent most frequently to those with DTI ratios of 20-30%, with 1,778 originations. The next most common DTI ratio? 30-36%, with 1,690 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,035 $2,184,865,000 $271,918 $6,365 3.24%
    Black 876 $207,970,000 $237,409 $7,055 3.27%
    Not provided 681 $184,155,000 $270,419 $6,367 3.16%
    Asian 342 $107,160,000 $313,333 $6,871 3.38%
    American Indian 80 $20,910,000 $261,375 $6,843 3.27%
    Native Hawaiian or Islander 29 $9,415,000 $324,655 $7,430 3.17%
    Not applicable 3 $495,000 $165,000 $3,947 2.63%
    Asian Indian 2 $310,000 $155,000 $0 4.63%

    Approval Rates

    Total approvals of all applications
    97.52%

    Geneva Financial has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    63.59%

    Geneva Financial has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 7 $45,000 $6,429
    12445.0 1 $505,000 $505,000
    14445.0 1 $485,000 $485,000
    NA 10,039 $2,714,245,000 $270,370

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,048 $2,715,280,000 $270,231

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 314 $54,460,000 $173,439 $4,433 3.04%
    40-60% 1,324 $332,200,000 $250,906 $5,005 3.11%
    60-80% 3,481 $982,205,000 $282,162 $5,961 3.39%
    80-100% 4,569 $1,296,035,000 $283,658 $7,439 3.26%
    Over 100% 110 $45,910,000 $417,364 $15,495 2.95%
    Under 20% 250 $4,470,000 $17,880 $420 1.83%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Geneva Financial, LLC, Chandler, AZ Branch Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 66.7%
    Geneva Financial, LLC, Chandler, AZ Branch FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%