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

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include Phoenix, Portland, Seattle, Miami, and Los Angeles among others. Geneva Financial has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Geneva Financial is typically a high fee lendor.


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 rate mortgage of loans were 3.27%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.12%.

Relative Fees

Geneva Financial 's average total fees for a 30 year fixed rate mortgage are $6,669.

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

Top Markets

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.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 7,187 $1,952,335,000 $271,648 $5,329 3.28%
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%

For the 2021 period, Geneva Financial 's most frequently originated loan type of loans were Conventional, with 7,187 originations. Their 2nd most popular type is FHA, with 1,950 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average 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 the 2021, Geneva Financial 's most frequently cited loan purpose of loans were Home Purchase, with 5,566 originations. The 2nd most popular reason of loans were 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 the 2021, Geneva Financial 's most frequently cited loan length of loans were 30 Year, with 9,254 originations. The 2nd most popular length of loans were 15 Year, with 458 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 4,138 $1,068,350,000 $258,180
$3k-4k 2,128 $563,170,000 $264,648
$2k-3k 1,678 $416,940,000 $248,474
$5k+ 1,414 $548,540,000 $387,935
$<1k 597 $99,495,000 $166,658

$6,669 of loans were Geneva Financial 's average total fees, while their most frequently occuring range of origination fees 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 of loans were 3.27%, while their most frequently originated rate bucket of loans were 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 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
96.44%

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
66.69%

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%