Geneva Financial Mortgage Rates, Fees & Info

ORO VALLEY, AZ

LEI: 5493001XKL0FTNOJ0866

Tax ID: 26-1589507

2.1 stars - Updated: 6/9/24 - out of 5 stars, based on 79 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Geneva Financial is a small mortgage company specializing in Home Purchase loans. Geneva Financial has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Miami, Chicago, Las Vegas, and Cape Coral among others. We have data for 396 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 relatively high 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) 6.74% 6/9/24
30 Year Conventional Purchase 6.78% 6/9/24
30 Year Conventional Refi 6.85% 6/9/24
30 Year Cash-out Refi 7.09% 6/9/24
30 Year FHA Purchase 7.74% 6/9/24
30 Year FHA Refi 7.55% 6/9/24
30 Year VA Purchase 6.60% 6/9/24
30 Year VA Refi 6.10% 6/9/24
30 Year USDA Purchase 7.08% 6/9/24
30 Year USDA Refi 6.27% 6/9/24
15 Year Conventional Purchase 6.38% 6/9/24
15 Year Conventional Refi 6.38% 6/9/24
15 Year Cash-out Refi 6.38% 6/9/24
15 Year FHA Refi 7.19% 6/9/24
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.

Geneva Financial Mortgage Calculator






Your Estimates

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

This is not an official calculator from Geneva Financial. 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

6,238

Origination Dollar Volume (All Markets)

$1,622,830,000

Awards

GENEVA FINANCIAL FHA Loans gold GENEVA FINANCIAL VA Loans gold GENEVA FINANCIAL FHA Loans gold GENEVA FINANCIAL FHA Loans gold
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Relative Rate

Geneva Financial's average 30 year fixed mortgage rate was 6.69%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.21%.

Relative Fees (Closing Costs)

Geneva Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $11,404.

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 $9,089.

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) 739 $219,505,000 $297,030 $12,725 7.03%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 247 $92,265,000 $373,543 $16,010 6.61%
Outside of Metro Areas 365 $70,105,000 $192,068 $7,762 6.55%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 262 $49,650,000 $189,504 $8,698 5.71%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 141 $43,355,000 $307,482 $12,519 6.85%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 135 $39,415,000 $291,963 $14,209 5.79%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 110 $35,600,000 $323,636 $13,058 6.76%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 145 $34,955,000 $241,069 $6,547 6.29%
Richmond-Berea, KY (FHA|USDA|VA) 152 $34,670,000 $228,092 $6,082 6.20%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 74 $33,750,000 $456,081 $16,352 7.03%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 67 $33,575,000 $501,119 $16,451 6.87%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 115 $31,375,000 $272,826 $12,047 7.01%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 119 $29,835,000 $250,714 $9,617 5.69%
COLUMBUS, OH (FHA|USDA|VA) 143 $27,455,000 $191,993 $7,842 5.85%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 116 $24,940,000 $215,000 $8,571 6.89%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 91 $24,295,000 $266,978 $12,157 6.84%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 61 $22,305,000 $365,656 $12,838 7.17%
RICHMOND, VA (FHA|USDA|VA) 78 $22,270,000 $285,513 $13,203 7.01%
ST. LOUIS, MO-IL (FHA|USDA|VA) 109 $22,095,000 $202,706 $9,554 6.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 81 $19,735,000 $243,642 $10,060 6.03%
FORT WAYNE, IN (FHA|USDA|VA) 125 $18,845,000 $150,760 $4,587 5.68%
TUCSON, AZ (FHA|USDA|VA) 61 $18,335,000 $300,574 $11,859 7.22%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 42 $17,710,000 $421,667 $13,322 6.71%
Hobbs, NM (FHA|USDA|VA) 78 $17,690,000 $226,795 $10,158 7.36%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 36 $14,360,000 $398,889 $17,019 5.98%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 19 $13,585,000 $715,000 $22,713 7.67%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 58 $13,260,000 $228,621 $10,889 6.01%
YUMA, AZ (FHA|USDA|VA) 52 $13,050,000 $250,962 $12,124 6.89%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 29 $12,255,000 $422,586 $20,093 7.22%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 51 $12,145,000 $238,137 $9,256 7.58%
ANCHORAGE, AK (FHA|USDA|VA) 33 $11,655,000 $353,182 $12,816 6.97%
Danville, KY (FHA|USDA|VA) 66 $10,760,000 $163,030 $5,727 6.01%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 23 $10,665,000 $463,696 $19,729 7.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 44 $10,520,000 $239,091 $12,142 7.06%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 47 $9,245,000 $196,702 $6,930 6.13%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 21 $8,655,000 $412,143 $12,758 7.19%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 27 $8,625,000 $319,444 $12,693 7.23%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 29 $8,435,000 $290,862 $11,460 6.62%
COLORADO SPRINGS, CO (FHA|USDA|VA) 22 $8,370,000 $380,455 $10,889 5.24%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 26 $8,340,000 $320,769 $9,794 6.84%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 21 $8,305,000 $395,476 $16,115 6.30%
Payson, AZ (FHA|USDA|VA) 30 $7,950,000 $265,000 $11,845 6.78%
SPRINGFIELD, MA (FHA|USDA|VA) 28 $7,410,000 $264,643 $12,252 6.99%
OCALA, FL (FHA|USDA|VA) 35 $7,135,000 $203,857 $9,631 6.84%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 28 $7,050,000 $251,786 $10,704 5.71%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 29 $6,945,000 $239,483 $10,079 7.37%
Warsaw, IN (FHA|USDA|VA) 41 $6,905,000 $168,415 $5,371 6.23%
PORT ST. LUCIE, FL (FHA|USDA|VA) 26 $6,830,000 $262,692 $11,988 6.60%
KANSAS CITY, MO-KS (FHA|USDA|VA) 34 $6,780,000 $199,412 $7,040 6.28%
Montrose, CO (FHA|USDA|VA) 27 $6,695,000 $247,963 $7,513 5.44%
SALEM, OR (FHA|USDA|VA) 16 $6,490,000 $405,625 $16,744 6.88%
PUNTA GORDA, FL (FHA|USDA|VA) 22 $6,210,000 $282,273 $12,293 5.85%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 16 $6,050,000 $378,125 $11,555 7.05%
GRAND JUNCTION, CO (FHA|USDA|VA) 25 $6,025,000 $241,000 $8,420 6.89%
EL PASO, TX (FHA|USDA|VA) 32 $5,890,000 $184,063 $8,674 6.81%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 38 $5,860,000 $154,211 $7,226 6.11%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 20 $5,850,000 $292,500 $10,815 6.87%
Madison, IN (FHA|USDA|VA) 36 $5,850,000 $162,500 $6,788 6.75%
Carlsbad-Artesia, NM (FHA|USDA|VA) 23 $5,755,000 $250,217 $7,886 7.18%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 9 $5,655,000 $628,333 $21,933 6.82%
Palestine, TX (FHA|USDA|VA) 27 $5,655,000 $209,444 $10,242 6.78%
DAYTON-KETTERING, OH (FHA|USDA|VA) 32 $5,610,000 $175,313 $9,081 6.73%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 24 $5,370,000 $223,750 $9,131 6.24%
JACKSONVILLE, FL (FHA|USDA|VA) 21 $5,295,000 $252,143 $14,735 6.80%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 23 $5,115,000 $222,391 $12,539 7.43%
Okeechobee, FL (FHA|USDA|VA) 27 $4,975,000 $184,259 $8,398 6.35%
SALT LAKE CITY, UT (FHA|USDA|VA) 13 $4,965,000 $381,923 $16,355 6.90%
COLUMBIA, SC (FHA|USDA|VA) 26 $4,950,000 $190,385 $8,525 6.45%
Angola, IN (FHA|USDA|VA) 26 $4,940,000 $190,000 $5,528 6.64%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 18 $4,840,000 $268,889 $11,973 7.32%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 21 $4,745,000 $225,952 $9,501 5.43%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 23 $4,515,000 $196,304 $8,360 7.02%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 27 $4,045,000 $149,815 $7,400 5.92%
SPARTANBURG, SC (FHA|USDA|VA) 20 $4,010,000 $200,500 $8,550 5.85%
OKLAHOMA CITY, OK (FHA|USDA|VA) 15 $3,875,000 $258,333 $13,434 7.14%
KANKAKEE, IL (FHA|USDA|VA) 19 $3,795,000 $199,737 $9,286 6.91%
FLAGSTAFF, AZ (FHA|USDA|VA) 9 $3,755,000 $417,222 $13,171 6.95%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 14 $3,720,000 $265,714 $13,735 6.29%
FORT COLLINS, CO (FHA|USDA|VA) 9 $3,695,000 $410,556 $9,167 5.65%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 15 $3,565,000 $237,667 $9,595 7.11%
Glenwood Springs, CO (FHA|USDA|VA) 16 $3,520,000 $220,000 $8,497 4.95%
Tupelo, MS (FHA|USDA|VA) 18 $3,430,000 $190,556 $9,192 7.15%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 9 $3,385,000 $376,111 $8,625 6.67%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $3,375,000 $675,000 $22,043 6.93%
ST. GEORGE, UT (FHA|USDA|VA) 7 $3,245,000 $463,571 $19,750 7.18%
SAN ANGELO, TX (FHA|USDA|VA) 15 $3,215,000 $214,333 $8,793 6.87%
Jefferson, GA (FHA|USDA|VA) 11 $3,175,000 $288,636 $14,821 7.72%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 25 $3,145,000 $125,800 $7,425 7.35%
WORCESTER, MA-CT (FHA|USDA|VA) 9 $3,065,000 $340,556 $9,074 7.03%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,970,000 $495,000 $18,632 6.69%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 18 $2,940,000 $163,333 $5,501 5.39%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 10 $2,920,000 $292,000 $15,189 7.13%
BOISE CITY, ID (FHA|USDA|VA) 8 $2,920,000 $365,000 $10,869 7.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $2,900,000 $362,500 $14,092 7.72%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $2,840,000 $473,333 $8,323 7.52%
Frankfort, KY (FHA|USDA|VA) 15 $2,695,000 $179,667 $6,993 6.30%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 12 $2,680,000 $223,333 $9,296 6.54%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 14 $2,660,000 $190,000 $10,667 6.81%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $2,595,000 $519,000 $22,005 7.63%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 12 $2,540,000 $211,667 $11,071 7.02%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $2,485,000 $828,333 $14,438 7.50%
RENO, NV (FHA|USDA|VA) 6 $2,480,000 $413,333 $12,760 7.38%
Mount Sterling, KY (FHA|USDA|VA) 14 $2,450,000 $175,000 $6,471 6.12%
Shelton, WA (FHA|USDA|VA) 6 $2,330,000 $388,333 $16,004 6.88%
Show Low, AZ (FHA|USDA|VA) 7 $2,295,000 $327,857 $10,476 7.32%
BAKERSFIELD, CA (FHA|USDA|VA) 9 $2,295,000 $255,000 $8,954 6.10%
MIDLAND, TX (FHA|USDA|VA) 7 $2,255,000 $322,143 $14,824 6.88%
ROCKFORD, IL (FHA|USDA|VA) 14 $2,240,000 $160,000 $6,923 5.33%
ALBUQUERQUE, NM (FHA|USDA|VA) 7 $2,165,000 $309,286 $11,319 6.68%
Outside of Metro Areas 4 $2,160,000 $540,000 $18,062 7.56%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 7 $2,115,000 $302,143 $8,371 7.30%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 12 $2,050,000 $170,833 $9,606 7.61%
Kalispell, MT (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $59,719 8.75%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,985,000 $397,000 $14,816 7.00%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $1,960,000 $490,000 $12,609 8.59%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,915,000 $383,000 $7,568 7.06%
MIDLAND, MI (FHA|USDA|VA) 12 $1,910,000 $159,167 $5,556 6.68%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 12 $1,890,000 $157,500 $5,753 6.82%
TOLEDO, OH (FHA|USDA|VA) 15 $1,835,000 $122,333 $6,817 6.52%
NAPA, CA (FHA|USDA|VA) 2 $1,830,000 $915,000 $33,203 7.06%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 10 $1,800,000 $180,000 $8,091 6.61%
READING, PA (FHA|USDA|VA) 13 $1,785,000 $137,308 $7,252 5.97%
GREELEY, CO (FHA|USDA|VA) 8 $1,780,000 $222,500 $6,870 4.22%
YORK-HANOVER, PA (FHA|USDA|VA) 7 $1,765,000 $252,143 $15,287 8.68%
SHERMAN-DENISON, TX (FHA|USDA|VA) 9 $1,675,000 $186,111 $15,353 7.53%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 11 $1,625,000 $147,727 $7,107 6.89%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 8 $1,540,000 $192,500 $6,543 7.44%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $1,510,000 $377,500 $13,727 6.97%
BATON ROUGE, LA (FHA|USDA|VA) 9 $1,475,000 $163,889 $10,768 7.44%
PUEBLO, CO (FHA|USDA|VA) 5 $1,465,000 $293,000 $13,676 7.65%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,455,000 $485,000 $16,657 6.71%
Aberdeen, WA (FHA|USDA|VA) 5 $1,435,000 $287,000 $11,294 7.45%
BEND, OR (FHA|USDA|VA) 3 $1,345,000 $448,333 $23,820 6.75%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,290,000 $645,000 $16,240 8.75%
LOUISVILLE, KY (FHA|USDA|VA) 6 $1,290,000 $215,000 $6,547 7.27%
Taos, NM (FHA|USDA|VA) 3 $1,275,000 $425,000 $7,445 7.33%
Warrensburg, MO (FHA|USDA|VA) 5 $1,275,000 $255,000 $9,756 6.83%
CANTON-MASSILLON, OH (FHA|USDA|VA) 7 $1,265,000 $180,714 $8,641 6.43%
Granbury, TX (FHA|USDA|VA) 3 $1,255,000 $418,333 $21,219 7.50%
BOWLING GREEN, KY (FHA|USDA|VA) 6 $1,220,000 $203,333 $6,481 6.29%
POCATELLO, ID (FHA|USDA|VA) 5 $1,215,000 $243,000 $7,636 7.08%
LIMA, OH (FHA|USDA|VA) 10 $1,200,000 $120,000 $5,053 5.76%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $1,195,000 $398,333 $12,464 6.79%
ASHEVILLE, NC (FHA|USDA|VA) 4 $1,190,000 $297,500 $11,075 6.44%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $1,190,000 $297,500 $9,670 6.72%
STOCKTON, CA (FHA|USDA|VA) 3 $1,185,000 $395,000 $19,498 6.63%
TULSA, OK (FHA|USDA|VA) 4 $1,180,000 $295,000 $14,419 7.03%
AKRON, OH (FHA|USDA|VA) 11 $1,175,000 $106,818 $5,764 7.27%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $1,160,000 $193,333 $7,156 4.85%
PROVO-OREM, UT (FHA|USDA|VA) 2 $1,150,000 $575,000 $20,018 6.81%
MEDFORD, OR (FHA|USDA|VA) 2 $1,140,000 $570,000 $19,795 5.88%
BOULDER, CO (FHA|USDA|VA) 2 $1,100,000 $550,000 $9,397 7.00%
MONTGOMERY, AL (FHA|USDA|VA) 12 $1,090,000 $90,833 $7,964 7.83%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $1,080,000 $180,000 $7,306 7.04%
TYLER, TX (FHA|USDA|VA) 4 $1,060,000 $265,000 $10,559 7.03%
Kill Devil Hills, NC (FHA|USDA|VA) 3 $1,055,000 $351,667 $16,539 7.29%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 8 $1,040,000 $130,000 $5,805 7.95%
London, KY (FHA|USDA|VA) 7 $1,035,000 $147,857 $6,016 6.18%
MODESTO, CA (FHA|USDA|VA) 2 $1,010,000 $505,000 $26,252 6.94%
LUBBOCK, TX (FHA|USDA|VA) 5 $975,000 $195,000 $10,998 7.40%
Breckenridge, CO (FHA|USDA|VA) 3 $975,000 $325,000 $7,650 7.58%
Auburn, IN (FHA|USDA|VA) 8 $960,000 $120,000 $3,722 6.33%
BAY CITY, MI (FHA|USDA|VA) 8 $950,000 $118,750 $4,908 5.27%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $935,000 $187,000 $7,532 6.40%
JOHNSON CITY, TN (FHA|USDA|VA) 4 $930,000 $232,500 $12,159 7.06%
YAKIMA, WA (FHA|USDA|VA) 3 $925,000 $308,333 $8,660 7.29%
Opelousas, LA (FHA|USDA|VA) 4 $910,000 $227,500 $8,958 6.38%
Toccoa, GA (FHA|USDA|VA) 4 $900,000 $225,000 $10,978 6.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 8 $900,000 $112,500 $6,068 7.33%
Cedar City, UT (FHA|USDA|VA) 2 $890,000 $445,000 $12,746 6.56%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $875,000 $175,000 $7,235 7.95%
Price, UT (FHA|USDA|VA) 3 $855,000 $285,000 $7,353 7.17%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $845,000 $281,667 $11,469 7.00%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $835,000 $278,333 $9,801 6.96%
BURLINGTON, NC (FHA|USDA|VA) 3 $835,000 $278,333 $12,402 7.29%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $835,000 $167,000 $7,485 6.73%
THE VILLAGES, FL (FHA|USDA|VA) 4 $830,000 $207,500 $8,707 7.03%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $795,000 $265,000 $19,161 7.58%
Blackfoot, ID (FHA|USDA|VA) 2 $770,000 $385,000 $6,994 7.56%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $755,000 $251,667 $7,765 6.25%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $755,000 $755,000 $57,857 5.38%
PITTSBURGH, PA (FHA|USDA|VA) 6 $750,000 $125,000 $6,625 6.21%
Clewiston, FL (FHA|USDA|VA) 2 $740,000 $370,000 $15,575 6.56%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $740,000 $123,333 $5,446 8.14%
SAGINAW, MI (FHA|USDA|VA) 7 $735,000 $105,000 $4,339 5.96%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $725,000 $725,000 $16,291 8.00%
VALLEJO, CA (FHA|USDA|VA) 2 $720,000 $360,000 $13,928 7.50%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $720,000 $360,000 $12,644 8.06%
Kendallville, IN (FHA|USDA|VA) 6 $700,000 $116,667 $4,024 5.88%
JACKSON, MS (FHA|USDA|VA) 4 $690,000 $172,500 $14,248 7.16%
Glasgow, KY (FHA|USDA|VA) 5 $685,000 $137,000 $6,084 6.50%
Klamath Falls, OR (FHA|USDA|VA) 2 $680,000 $340,000 $12,901 7.31%
BELLINGHAM, WA (FHA|USDA|VA) 1 $675,000 $675,000 $28,857 7.63%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $670,000 $335,000 $13,087 7.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 7 $665,000 $95,000 $2,631 6.21%
DECATUR, AL (FHA|USDA|VA) 4 $650,000 $162,500 $8,247 8.07%
Oak Harbor, WA (FHA|USDA|VA) 1 $645,000 $645,000 $16,949 6.63%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $635,000 $211,667 $6,091 7.29%
EVANSVILLE, IN-KY (FHA|USDA|VA) 4 $630,000 $157,500 $6,127 7.34%
LAS CRUCES, NM (FHA|USDA|VA) 4 $630,000 $157,500 $9,682 5.22%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $610,000 $305,000 $27,076 7.69%
LOGAN, UT-ID (FHA|USDA|VA) 2 $610,000 $305,000 $7,360 6.06%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 5 $605,000 $121,000 $7,623 7.40%
LANCASTER, PA (FHA|USDA|VA) 2 $600,000 $300,000 $11,962 7.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $600,000 $300,000 $9,971 7.25%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $590,000 $295,000 $12,828 6.88%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $580,000 $145,000 $6,430 6.91%
Concord, NH (FHA|USDA|VA) 2 $580,000 $290,000 $7,938 7.06%
GAINESVILLE, GA (FHA|USDA|VA) 1 $575,000 $575,000 $0 7.63%
COLUMBIA, MO (FHA|USDA|VA) 1 $565,000 $565,000 $12,919 6.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $565,000 $188,333 $8,166 6.79%
VALDOSTA, GA (FHA|USDA|VA) 4 $550,000 $137,500 $6,769 5.25%
Cañon City, CO (FHA|USDA|VA) 3 $545,000 $181,667 $5,983 4.83%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $540,000 $270,000 $14,844 6.75%
ODESSA, TX (FHA|USDA|VA) 2 $540,000 $270,000 $15,719 7.13%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $530,000 $265,000 $6,033 6.63%
Moultrie, GA (FHA|USDA|VA) 4 $530,000 $132,500 $8,741 7.81%
Pahrump, NV (FHA|USDA|VA) 3 $515,000 $171,667 $3,074 4.63%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $505,000 $505,000 $7,154 8.00%
JACKSON, TN (FHA|USDA|VA) 2 $500,000 $250,000 $3,373 7.31%
FLINT, MI (FHA|USDA|VA) 2 $490,000 $245,000 $8,270 7.31%
CORVALLIS, OR (FHA|USDA|VA) 1 $485,000 $485,000 $27,559 5.88%
FLORENCE, SC (FHA|USDA|VA) 5 $485,000 $97,000 $3,642 6.25%
ROME, GA (FHA|USDA|VA) 1 $485,000 $485,000 $23,024 7.38%
Centralia, WA (FHA|USDA|VA) 1 $475,000 $475,000 $15,540 6.63%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $475,000 $158,333 $7,992 7.71%
Chillicothe, OH (FHA|USDA|VA) 4 $470,000 $117,500 $5,856 5.31%
Urbana, OH (FHA|USDA|VA) 4 $460,000 $115,000 $5,039 6.09%
Prineville, OR (FHA|USDA|VA) 1 $455,000 $455,000 $16,098 6.25%
MISSOULA, MT (FHA|USDA|VA) 1 $455,000 $455,000 $14,269 7.38%
Scottsburg, IN (FHA|USDA|VA) 3 $455,000 $151,667 $8,880 6.50%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $450,000 $225,000 $6,568 6.69%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $445,000 $445,000 $8,817 6.25%
Sevierville, TN (FHA|USDA|VA) 1 $445,000 $445,000 $25,881 7.13%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 3 $445,000 $148,333 $8,602 7.75%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $440,000 $220,000 $27,765 6.69%
Jackson, WY-ID (FHA|USDA|VA) 1 $435,000 $435,000 $12,749 7.63%
Crawfordsville, IN (FHA|USDA|VA) 3 $435,000 $145,000 $6,845 6.54%
Wabash, IN (FHA|USDA|VA) 2 $430,000 $215,000 $8,474 8.38%
CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $430,000 $215,000 $12,951 6.69%
DOTHAN, AL (FHA|USDA|VA) 1 $425,000 $425,000 $15,058 8.13%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $415,000 $415,000 $9,338 6.63%
LYNCHBURG, VA (FHA|USDA|VA) 3 $415,000 $138,333 $7,735 6.92%
MANSFIELD, OH (FHA|USDA|VA) 4 $410,000 $102,500 $5,595 5.72%
GOLDSBORO, NC (FHA|USDA|VA) 2 $410,000 $205,000 $7,053 8.29%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $405,000 $135,000 $8,515 7.58%
Roswell, NM (FHA|USDA|VA) 2 $400,000 $200,000 $9,214 7.13%
Ketchikan, AK (FHA|USDA|VA) 1 $385,000 $385,000 $21,243 7.75%
Traverse City, MI (FHA|USDA|VA) 1 $385,000 $385,000 $14,618 7.63%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $380,000 $190,000 $15,320 6.69%
Jacksonville, TX (FHA|USDA|VA) 2 $380,000 $190,000 $7,507 7.31%
Nogales, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $16,889 10.75%
SANTA FE, NM (FHA|USDA|VA) 1 $375,000 $375,000 $10,209 6.63%
HARRISONBURG, VA (FHA|USDA|VA) 1 $375,000 $375,000 $0 5.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $365,000 $365,000 $19,630 6.25%
MERCED, CA (FHA|USDA|VA) 1 $365,000 $365,000 $15,508 8.13%
Marshall, MO (FHA|USDA|VA) 2 $360,000 $180,000 $6,177 6.13%
Athens, TX (FHA|USDA|VA) 2 $360,000 $180,000 $12,441 6.69%
Sheridan, WY (FHA|USDA|VA) 1 $355,000 $355,000 $7,372 6.50%
RACINE, WI (FHA|USDA|VA) 1 $355,000 $355,000 $11,720 10.00%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $12,183 6.88%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.63%
Miami, OK (FHA|USDA|VA) 2 $350,000 $175,000 $9,582 7.38%
North Vernon, IN (FHA|USDA|VA) 2 $350,000 $175,000 $11,191 6.13%
Newport, OR (FHA|USDA|VA) 1 $345,000 $345,000 $17,771 6.63%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $345,000 $345,000 $6,623 6.63%
WACO, TX (FHA|USDA|VA) 2 $340,000 $170,000 $9,760 8.00%
ABILENE, TX (FHA|USDA|VA) 2 $340,000 $170,000 $11,274 6.56%
Red Bluff, CA (FHA|USDA|VA) 1 $335,000 $335,000 $19,902 6.75%
Somerset, KY (FHA|USDA|VA) 2 $330,000 $165,000 $5,446 6.38%
Orangeburg, SC (FHA|USDA|VA) 1 $325,000 $325,000 $12,083 7.88%
Starkville, MS (FHA|USDA|VA) 1 $325,000 $325,000 $19,611 6.75%
Ellensburg, WA (FHA|USDA|VA) 1 $325,000 $325,000 $10,767 7.13%
COLUMBUS, IN (FHA|USDA|VA) 2 $320,000 $160,000 $7,021 8.38%
Kennett, MO (FHA|USDA|VA) 1 $315,000 $315,000 $8,162 6.50%
CHICO, CA (FHA|USDA|VA) 1 $315,000 $315,000 $11,366 7.00%
Beeville, TX (FHA|USDA|VA) 1 $315,000 $315,000 $9,348 7.13%
Marion, IN (FHA|USDA|VA) 2 $310,000 $155,000 $3,227 7.31%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $305,000 $305,000 $11,706 8.99%
LEBANON, PA (FHA|USDA|VA) 1 $305,000 $305,000 $21,929 7.75%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $305,000 $305,000 $17,303 7.63%
Lebanon, NH-VT (FHA|USDA|VA) 1 $305,000 $305,000 $13,789 7.25%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $300,000 $150,000 $7,536 6.75%
Palatka, FL (FHA|USDA|VA) 2 $300,000 $150,000 $8,594 7.13%
Huntington, IN (FHA|USDA|VA) 2 $300,000 $150,000 $4,007 7.56%
Wapakoneta, OH (FHA|USDA|VA) 1 $295,000 $295,000 $5,049 7.13%
Pierre, SD (FHA|USDA|VA) 1 $295,000 $295,000 $10,965 7.13%
AMARILLO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $2,465 6.63%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $285,000 $285,000 $16,281 7.63%
Columbus, MS (FHA|USDA|VA) 1 $275,000 $275,000 $14,090 6.13%
Rolla, MO (FHA|USDA|VA) 1 $275,000 $275,000 $12,627 6.50%
Marion, OH (FHA|USDA|VA) 3 $275,000 $91,667 $5,890 4.79%
Whitewater, WI (FHA|USDA|VA) 1 $275,000 $275,000 $7,568 7.50%
Wooster, OH (FHA|USDA|VA) 1 $275,000 $275,000 $12,210 6.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $265,000 $265,000 $6,212 7.25%
Bonham, TX (FHA|USDA|VA) 1 $255,000 $255,000 $2,215 7.75%
GRANTS PASS, OR (FHA|USDA|VA) 1 $255,000 $255,000 $6,485 7.13%
LONGVIEW, WA (FHA|USDA|VA) 1 $255,000 $255,000 $8,114 6.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $255,000 $255,000 $9,306 6.50%
Arcadia, FL (FHA|USDA|VA) 2 $250,000 $125,000 $3,702 3.13%
Laurinburg, NC (FHA|USDA|VA) 2 $250,000 $125,000 $5,178 3.19%
Sedalia, MO (FHA|USDA|VA) 3 $245,000 $81,667 $3,764 4.00%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $245,000 $245,000 $8,203 7.00%
ALBANY, GA (FHA|USDA|VA) 2 $240,000 $120,000 $8,251 6.50%
Nacogdoches, TX (FHA|USDA|VA) 1 $235,000 $235,000 $8,320 7.88%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $235,000 $235,000 $6,023 6.88%
NILES, MI (FHA|USDA|VA) 1 $225,000 $225,000 $12,580 7.13%
Corsicana, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,363 8.13%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $225,000 $225,000 $13,233 7.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $225,000 $225,000 $12,524 6.63%
Silver City, NM (FHA|USDA|VA) 1 $225,000 $225,000 $8,036 6.75%
LAFAYETTE, LA (FHA|USDA|VA) 2 $220,000 $110,000 $8,099 6.19%
Shelby, NC (FHA|USDA|VA) 1 $215,000 $215,000 $5,238 5.75%
Magnolia, AR (FHA|USDA|VA) 1 $215,000 $215,000 $10,541 7.13%
Alma, MI (FHA|USDA|VA) 2 $210,000 $105,000 $4,528 7.56%
Willmar, MN (FHA|USDA|VA) 1 $205,000 $205,000 $11,806 7.50%
Greeneville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $12,917 7.00%
Española, NM (FHA|USDA|VA) 1 $205,000 $205,000 $7,249 7.00%
Seneca, SC (FHA|USDA|VA) 1 $205,000 $205,000 $6,449 6.50%
Maryville, MO (FHA|USDA|VA) 1 $205,000 $205,000 $6,174 6.63%
EL CENTRO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $8,768 5.88%
Albemarle, NC (FHA|USDA|VA) 1 $195,000 $195,000 $7,228 7.50%
Pullman, WA (FHA|USDA|VA) 1 $195,000 $195,000 $10,793 6.50%
Pottsville, PA (FHA|USDA|VA) 1 $195,000 $195,000 $10,750 6.63%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $195,000 $195,000 $12,295 7.63%
Corinth, MS (FHA|USDA|VA) 1 $195,000 $195,000 $4,223 7.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $4,980 7.38%
Farmington, MO (FHA|USDA|VA) 1 $195,000 $195,000 $11,244 9.62%
Sturgis, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,790 7.25%
Ottawa, IL (FHA|USDA|VA) 2 $190,000 $95,000 $11,572 3.69%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $185,000 $185,000 $1,872 7.13%
Durant, OK (FHA|USDA|VA) 1 $185,000 $185,000 $7,378 6.63%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $185,000 $185,000 $10,874 5.63%
MADISON, WI (FHA|USDA|VA) 1 $185,000 $185,000 $10,083 5.63%
DALTON, GA (FHA|USDA|VA) 1 $185,000 $185,000 $9,757 6.63%
JACKSON, MI (FHA|USDA|VA) 2 $180,000 $90,000 $6,348 7.81%
Muskogee, OK (FHA|USDA|VA) 2 $180,000 $90,000 $4,222 6.69%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $175,000 $175,000 $3,634 7.00%
FRESNO, CA (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $175,000 $175,000 $12,552 6.50%
Mount Pleasant, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,407 6.75%
Ashland, OH (FHA|USDA|VA) 1 $175,000 $175,000 $9,173 7.00%
APPLETON, WI (FHA|USDA|VA) 1 $175,000 $175,000 $5,242 7.63%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $175,000 $175,000 $7,695 6.88%
Kingsville, TX (FHA|USDA|VA) 2 $170,000 $85,000 $5,254 3.81%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $170,000 $85,000 $4,660 3.63%
Tiffin, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,263 7.13%
Sweetwater, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,840 6.38%
Mount Vernon, OH (FHA|USDA|VA) 1 $165,000 $165,000 $9,793 7.00%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,347 6.63%
Bluefield, WV-VA (FHA|USDA|VA) 1 $165,000 $165,000 $7,675 6.88%
MOBILE, AL (FHA|USDA|VA) 1 $165,000 $165,000 $0 9.41%
Andrews, TX (FHA|USDA|VA) 1 $165,000 $165,000 $7,745 5.63%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $165,000 $165,000 $5,647 6.88%
SAVANNAH, GA (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.50%
LONGVIEW, TX (FHA|USDA|VA) 1 $165,000 $165,000 $8,475 7.13%
LaGrange, GA-AL (FHA|USDA|VA) 1 $155,000 $155,000 $6,937 7.13%
Big Stone Gap, VA (FHA|USDA|VA) 1 $155,000 $155,000 $5,219 6.63%
Sikeston, MO (FHA|USDA|VA) 1 $155,000 $155,000 $10,830 6.63%
LAWTON, OK (FHA|USDA|VA) 1 $155,000 $155,000 $7,041 6.50%
LAREDO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $7,556 5.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $155,000 $155,000 $12,159 6.63%
Zanesville, OH (FHA|USDA|VA) 2 $150,000 $75,000 $2,218 3.81%
Washington Court House, OH (FHA|USDA|VA) 1 $145,000 $145,000 $6,658 6.63%
Middlesborough, KY (FHA|USDA|VA) 2 $140,000 $70,000 $3,281 5.13%
WHEELING, WV-OH (FHA|USDA|VA) 1 $135,000 $135,000 $11,270 6.50%
Sterling, IL (FHA|USDA|VA) 1 $135,000 $135,000 $4,148 7.50%
PITTSFIELD, MA (FHA|USDA|VA) 1 $135,000 $135,000 $5,284 5.88%
MORGANTOWN, WV (FHA|USDA|VA) 1 $135,000 $135,000 $4,934 7.63%
North Platte, NE (FHA|USDA|VA) 1 $135,000 $135,000 $4,030 7.00%
JOPLIN, MO (FHA|USDA|VA) 1 $135,000 $135,000 $3,211 6.75%
Wilmington, OH (FHA|USDA|VA) 2 $130,000 $65,000 $2,950 3.94%
Pontiac, IL (FHA|USDA|VA) 2 $130,000 $65,000 $3,290 2.88%
Peru, IN (FHA|USDA|VA) 2 $130,000 $65,000 $3,128 3.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $125,000 $125,000 $3,481 7.25%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $125,000 $125,000 $5,278 7.00%
Plymouth, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,719 6.25%
Tifton, GA (FHA|USDA|VA) 1 $115,000 $115,000 $9,833 6.50%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,424 6.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,771 7.88%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.25%
Tahlequah, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,449 6.75%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $105,000 $105,000 $2,556 6.38%
New Castle, IN (FHA|USDA|VA) 1 $105,000 $105,000 $4,146 6.50%
Cornelia, GA (FHA|USDA|VA) 1 $105,000 $105,000 $4,585 7.38%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.63%
Picayune, MS (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.88%
Brownsville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.13%
ROCHESTER, MN (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.37%
Winnemucca, NV (FHA|USDA|VA) 1 $95,000 $95,000 $4,959 5.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $95,000 $95,000 $2,823 6.00%
Safford, AZ (FHA|USDA|VA) 1 $85,000 $85,000 $3,990 6.38%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.38%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.00%
Adrian, MI (FHA|USDA|VA) 1 $55,000 $55,000 $4,624 7.25%
Defiance, OH (FHA|USDA|VA) 1 $55,000 $55,000 $2,859 6.63%
Geneva Financial's top markets include Phoenix, Miami, Chicago, Las Vegas, and Cape Coral among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,559 $832,805,000 $234,000 $7,562 6.43%
    FHA 2,116 $607,470,000 $287,084 $14,796 6.83%
    VA 401 $142,765,000 $356,022 $11,545 6.74%
    USDA 113 $22,515,000 $199,248 $8,867 6.55%
    HELOC 49 $17,275,000 $352,551 n/a 8.89%

    For 2023, Geneva Financial's most frequently originated type of loan was Conventional, with 3,559 originations. Their 2nd most popular type was FHA, with 2,116 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,642 $1,457,700,000 $258,366 $10,319 6.54%
    Cash Out Refi 466 $128,990,000 $276,803 $13,980 7.31%
    Refi 116 $31,940,000 $275,345 $10,458 7.28%
    Home Improvement 14 $4,200,000 $300,000 $16,155 6.25%

    For 2023, Geneva Financial's most frequently cited loan purpose was Home Purchase, with 5,642 originations. The 2nd most popular reason was Cash Out Refi, with 466 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,736 $1,598,220,000 $278,630 $11,404 6.69%
    10 Year 343 $3,775,000 $11,006 $57 7.09%
    Other 71 $2,035,000 $28,662 $1,302 0.39%
    15 Year 46 $9,990,000 $217,174 $6,715 5.80%
    20 Year 17 $3,995,000 $235,000 $8,047 6.22%
    3 Year 11 $105,000 $9,545 $0 0.00%
    5 Year 10 $50,000 $5,000 $0 0.00%
    30+ year 4 $4,660,000 $1,165,000 $84,314 8.50%

    For 2023, Geneva Financial's most frequently cited loan duration was 30 Year, with 5,736 originations. The 2nd most popular length was 10 Year, with 343 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 3,024 $1,059,000,000 $350,198
    $<1k 875 $64,645,000 $73,880
    $3k-4k 652 $129,280,000 $198,282
    $4k-5k 572 $132,330,000 $231,346
    $1k-2k 539 $125,365,000 $232,588
    $2k-3k 525 $94,545,000 $180,086

    Geneva Financial's average total fees were $11,404, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,024 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 2,653 $754,445,000 $284,374
    7-8% 2,107 $614,255,000 $291,531
    Over 8% 548 $114,940,000 $209,745
    5-6% 467 $128,675,000 $275,535
    <2.5% 372 $4,950,000 $13,306
    3-4% 76 $790,000 $10,395
    4-5% 15 $4,775,000 $318,333

    During 2023, Geneva Financial's average interest rate for loans was 6.69%, while their most frequently originated rate bucket for loans was 6-7%, with 2,653 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,865 $825,995,000 $288,305 $12,306 6.97%
    $100k-200k 1,481 $231,845,000 $156,546 $6,924 6.95%
    $100,000 or less 915 $26,395,000 $28,847 $794 4.48%
    $400k-600k 740 $348,190,000 $470,527 $17,622 6.97%
    $600k-1MM 205 $147,125,000 $717,683 $20,996 7.09%
    $1MM+ 32 $43,280,000 $1,352,500 $35,746 7.72%

    2023 saw Geneva Financial place emphasis on $200k-400k loans with 2,865 originations, totaling $825,995,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,585 $295,685,000 $186,552 $8,155 6.25%
    $75k-100k 1,493 $349,985,000 $234,417 $10,176 6.49%
    $100k-150k 1,455 $442,385,000 $304,045 $12,614 6.76%
    $150k-250k 679 $269,875,000 $397,459 $15,044 7.18%
    $50k or less 666 $89,830,000 $134,880 $5,791 6.32%
    $250k+ 298 $159,370,000 $534,799 $18,673 7.42%

    Geneva Financial lent most frequently to those with incomes in the $50k-75k range, with 1,585 originations. The second most popular income band? $75k-100k, with 1,493 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 808 $237,860,000 $294,381 $14,152 6.72%
    30-36% 747 $177,945,000 $238,213 $9,413 6.61%
    20-30% 607 $154,275,000 $254,160 $8,875 6.79%
    <20% 395 $104,825,000 $265,380 $10,037 7.01%
    49% 371 $110,615,000 $298,154 $11,556 6.63%
    44% 358 $93,500,000 $261,173 $10,566 6.40%
    43% 272 $64,560,000 $237,353 $9,535 6.52%
    46% 260 $68,130,000 $262,038 $11,189 6.28%
    48% 254 $72,550,000 $285,630 $11,930 6.74%
    47% 252 $63,400,000 $251,587 $9,895 6.13%
    42% 251 $61,705,000 $245,837 $9,115 6.52%
    45% 247 $59,295,000 $240,061 $9,335 6.51%
    41% 242 $64,570,000 $266,818 $10,263 6.48%
    40% 239 $63,655,000 $266,339 $10,309 6.53%
    39% 236 $58,240,000 $246,780 $9,618 6.27%
    38% 199 $45,805,000 $230,176 $8,929 6.45%
    37% 192 $44,460,000 $231,563 $8,957 6.50%
    36% 151 $37,835,000 $250,563 $10,139 6.56%
    >60% 83 $23,945,000 $288,494 $11,803 6.72%

    Geneva Financial lent most frequently to those with DTI ratios of 50-60%, with 808 originations. The next most common DTI ratio? 30-36%, with 747 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,850 $1,259,500,000 $259,691 $10,234 6.61%
    Black 724 $170,220,000 $235,110 $10,865 6.51%
    Not provided 381 $115,125,000 $302,165 $13,258 6.68%
    Asian 197 $55,755,000 $283,020 $11,321 6.77%
    American Indian 67 $15,825,000 $236,194 $11,524 6.76%
    Native Hawaiian or Islander 19 $6,405,000 $337,105 $14,880 6.61%

    Approval Rates

    Total approvals of all applications
    97.22%

    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
    49.60%

    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
    NA 6,238 $1,622,830,000 $260,152

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,238 $1,622,830,000 $260,152

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 119 $20,755,000 $174,412 $6,557 6.70%
    40-60% 319 $79,555,000 $249,389 $8,915 6.92%
    60-80% 1,116 $317,450,000 $284,453 $11,475 7.29%
    80-100% 3,876 $1,154,940,000 $297,972 $12,334 6.91%
    Over 100% 120 $41,430,000 $345,250 $14,630 6.72%
    Under 20% 688 $8,700,000 $12,645 $72 3.65%