Geneva Financial Mortgage Rates, Fees & Info

ORO VALLEY, AZ

LEI: 5493001XKL0FTNOJ0866

Tax ID: 26-1589507

2.8 stars - Updated: 4/5/25 - out of 5 stars, based on 77 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

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, St. Louis, Miami, Chicago, and Seattle among others. We have data for 408 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 an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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

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

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) 6.20% 4/5/25
30 Year Conventional Purchase 6.65% 4/5/25
30 Year Conventional Refi 7.23% 4/5/25
30 Year Cash-out Refi 7.44% 4/5/25
30 Year FHA Purchase 7.59% 4/5/25
30 Year FHA Refi 7.41% 4/5/25
30 Year VA Purchase 6.89% 4/5/25
30 Year VA Refi 6.11% 4/5/25
30 Year USDA Purchase 7.19% 4/5/25
30 Year USDA Refi 6.96% 4/5/25
15 Year Conventional Purchase 5.96% 4/5/25
15 Year Conventional Refi 6.33% 4/5/25
15 Year Cash-out Refi 6.33% 4/5/25
15 Year FHA Purchase 7.43% 4/5/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

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

5,938

Origination Dollar Volume (All Markets)

$1,562,800,000
Show all (7) awards

Relative Rate

Geneva Financial's average 30 year fixed mortgage rate was 6.66%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.11%.

Relative Fees (Closing Costs)

Geneva Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $10,219.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

Top Markets

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

Market Originations Total Value Average Loan Average Fees Average Rate
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 677 $199,565,000 $294,778 $12,266 6.52%
Outside of Metro Areas 391 $81,755,000 $209,092 $7,173 6.61%
ST. LOUIS, MO-IL (FHA|USDA|VA) 250 $68,570,000 $274,280 $7,324 6.72%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 128 $50,680,000 $395,938 $15,526 6.73%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 199 $45,015,000 $226,206 $8,722 6.83%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 57 $34,215,000 $600,263 $16,466 7.22%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 76 $33,800,000 $444,737 $13,203 7.22%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 123 $33,305,000 $270,772 $11,000 6.70%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 126 $32,690,000 $259,444 $9,994 6.10%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 62 $31,320,000 $505,161 $17,581 6.99%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 96 $30,780,000 $320,625 $11,532 6.78%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 116 $28,610,000 $246,638 $9,205 6.80%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 96 $27,410,000 $285,521 $10,773 7.02%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 106 $24,810,000 $234,057 $6,212 6.43%
KANSAS CITY, MO-KS (FHA|USDA|VA) 100 $22,290,000 $222,900 $5,448 6.51%
FORT WAYNE, IN (FHA|USDA|VA) 125 $21,235,000 $169,880 $4,664 5.48%
Richmond-Berea, KY (FHA|USDA|VA) 94 $20,620,000 $219,362 $6,060 6.38%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 48 $20,620,000 $429,583 $21,323 6.86%
COLUMBUS, OH (FHA|USDA|VA) 95 $20,425,000 $215,000 $7,895 5.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 64 $18,320,000 $286,250 $10,299 6.70%
Hobbs, NM (FHA|USDA|VA) 79 $17,305,000 $219,051 $9,561 7.20%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 62 $17,090,000 $275,645 $11,568 5.90%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 77 $16,075,000 $208,766 $10,241 6.24%
RICHMOND, VA (FHA|USDA|VA) 46 $15,890,000 $345,435 $10,638 7.30%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 59 $15,285,000 $259,068 $9,777 6.92%
YUMA, AZ (FHA|USDA|VA) 57 $14,895,000 $261,316 $10,099 6.67%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 38 $14,890,000 $391,842 $15,585 6.67%
OKLAHOMA CITY, OK (FHA|USDA|VA) 64 $14,600,000 $228,125 $7,705 6.49%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 55 $14,395,000 $261,727 $8,899 6.88%
TUCSON, AZ (FHA|USDA|VA) 44 $12,840,000 $291,818 $11,390 6.99%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 45 $11,815,000 $262,556 $8,699 5.89%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 68 $11,080,000 $162,941 $6,290 6.35%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 20 $10,960,000 $548,000 $15,372 7.08%
EL PASO, TX (FHA|USDA|VA) 49 $10,945,000 $223,367 $9,969 6.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 19 $10,715,000 $563,947 $21,480 6.75%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 58 $10,560,000 $182,069 $5,694 6.81%
PORT ST. LUCIE, FL (FHA|USDA|VA) 40 $9,990,000 $249,750 $7,949 5.40%
ANCHORAGE, AK (FHA|USDA|VA) 30 $9,840,000 $328,000 $13,648 6.65%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 20 $9,100,000 $455,000 $15,531 6.78%
SPRINGFIELD, MA (FHA|USDA|VA) 36 $9,030,000 $250,833 $11,272 7.18%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 34 $8,900,000 $261,765 $12,885 6.83%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 29 $8,715,000 $300,517 $9,986 6.70%
Warsaw, IN (FHA|USDA|VA) 52 $8,590,000 $165,192 $4,823 5.50%
WORCESTER, MA-CT (FHA|USDA|VA) 18 $7,820,000 $434,444 $14,135 6.78%
Tupelo, MS (FHA|USDA|VA) 39 $7,485,000 $191,923 $8,116 6.43%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 41 $7,405,000 $180,610 $6,398 6.58%
BATON ROUGE, LA (FHA|USDA|VA) 45 $7,365,000 $163,667 $7,759 5.76%
BOISE CITY, ID (FHA|USDA|VA) 16 $6,930,000 $433,125 $11,974 6.71%
VALLEJO, CA (FHA|USDA|VA) 16 $6,830,000 $426,875 $15,092 6.48%
Madison, IN (FHA|USDA|VA) 37 $6,785,000 $183,378 $6,706 7.04%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 26 $6,730,000 $258,846 $6,081 6.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 47 $6,465,000 $137,553 $6,101 5.96%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 19 $6,275,000 $330,263 $12,819 6.73%
FLAGSTAFF, AZ (FHA|USDA|VA) 13 $6,245,000 $480,385 $14,840 7.11%
JEFFERSON CITY, MO (FHA|USDA|VA) 30 $6,070,000 $202,333 $4,481 6.36%
JACKSONVILLE, FL (FHA|USDA|VA) 27 $5,945,000 $220,185 $7,381 5.18%
LAFAYETTE, LA (FHA|USDA|VA) 29 $5,815,000 $200,517 $5,606 6.64%
Payson, AZ (FHA|USDA|VA) 21 $5,785,000 $275,476 $12,051 6.83%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 15 $5,545,000 $369,667 $11,534 5.62%
Danville, KY (FHA|USDA|VA) 33 $5,435,000 $164,697 $5,659 6.14%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 12 $5,370,000 $447,500 $10,112 7.02%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 21 $5,245,000 $249,762 $11,183 7.04%
Palestine, TX (FHA|USDA|VA) 26 $4,950,000 $190,385 $8,309 6.57%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 17 $4,855,000 $285,588 $10,816 7.04%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 16 $4,670,000 $291,875 $9,136 6.74%
Carlsbad-Artesia, NM (FHA|USDA|VA) 15 $4,365,000 $291,000 $8,486 6.93%
COLORADO SPRINGS, CO (FHA|USDA|VA) 10 $4,300,000 $430,000 $10,697 6.10%
MIDLAND, MI (FHA|USDA|VA) 24 $4,210,000 $175,417 $5,080 6.73%
MIDLAND, TX (FHA|USDA|VA) 19 $4,135,000 $217,632 $10,735 5.44%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 16 $4,050,000 $253,125 $8,529 7.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $4,035,000 $366,818 $13,285 7.14%
Montrose, CO (FHA|USDA|VA) 14 $3,850,000 $275,000 $8,822 5.47%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 13 $3,835,000 $295,000 $11,624 6.99%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 5 $3,835,000 $767,000 $20,844 7.55%
GRAND JUNCTION, CO (FHA|USDA|VA) 13 $3,625,000 $278,846 $11,072 6.10%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $3,545,000 $393,889 $14,677 6.14%
OCALA, FL (FHA|USDA|VA) 18 $3,540,000 $196,667 $9,162 7.25%
LOUISVILLE, KY (FHA|USDA|VA) 12 $3,510,000 $292,500 $10,605 7.30%
Branson, MO (FHA|USDA|VA) 15 $3,495,000 $233,000 $7,074 6.55%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $3,485,000 $697,000 $21,356 7.94%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 13 $3,445,000 $265,000 $7,233 7.01%
SAN ANGELO, TX (FHA|USDA|VA) 12 $3,300,000 $275,000 $7,799 7.09%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 10 $3,220,000 $322,000 $11,023 7.13%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 23 $3,105,000 $135,000 $3,421 4.03%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 11 $2,975,000 $270,455 $11,617 6.90%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 24 $2,900,000 $120,833 $6,399 7.46%
KANKAKEE, IL (FHA|USDA|VA) 17 $2,855,000 $167,941 $5,853 7.01%
COLUMBIA, SC (FHA|USDA|VA) 12 $2,810,000 $234,167 $8,506 6.81%
Angola, IN (FHA|USDA|VA) 15 $2,655,000 $177,000 $3,921 6.54%
ALBUQUERQUE, NM (FHA|USDA|VA) 11 $2,645,000 $240,455 $9,346 7.16%
Okeechobee, FL (FHA|USDA|VA) 19 $2,575,000 $135,526 $5,822 5.24%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $2,440,000 $610,000 $6,021 6.44%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 9 $2,385,000 $265,000 $11,860 7.42%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $2,370,000 $296,250 $5,748 7.36%
TULSA, OK (FHA|USDA|VA) 9 $2,365,000 $262,778 $11,637 6.89%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 9 $2,315,000 $257,222 $13,066 7.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $2,285,000 $253,889 $6,832 5.96%
KNOXVILLE, TN (FHA|USDA|VA) 8 $2,270,000 $283,750 $7,177 7.22%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $2,270,000 $567,500 $33,403 6.99%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 9 $2,265,000 $251,667 $9,008 6.40%
Frankfort, KY (FHA|USDA|VA) 12 $2,220,000 $185,000 $6,064 5.93%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $2,215,000 $738,333 $30,676 6.38%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $2,165,000 $433,000 $12,257 6.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $2,120,000 $265,000 $12,698 6.99%
Kirksville, MO (FHA|USDA|VA) 18 $2,110,000 $117,222 $3,259 5.89%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $2,090,000 $348,333 $17,032 6.73%
Pahrump, NV (FHA|USDA|VA) 9 $2,005,000 $222,778 $9,731 6.49%
PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,955,000 $279,286 $8,565 7.02%
RENO, NV (FHA|USDA|VA) 2 $1,930,000 $965,000 $27,797 6.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 9 $1,875,000 $208,333 $9,106 5.97%
LAS CRUCES, NM (FHA|USDA|VA) 7 $1,855,000 $265,000 $11,287 7.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,805,000 $601,667 $5,628 9.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $1,785,000 $137,308 $7,924 7.81%
Sevierville, TN (FHA|USDA|VA) 3 $1,765,000 $588,333 $14,233 7.08%
CANTON-MASSILLON, OH (FHA|USDA|VA) 10 $1,760,000 $176,000 $8,982 6.91%
LIMA, OH (FHA|USDA|VA) 15 $1,705,000 $113,667 $6,513 5.54%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,635,000 $327,000 $13,695 6.93%
Columbus, MS (FHA|USDA|VA) 10 $1,630,000 $163,000 $7,892 6.44%
North Vernon, IN (FHA|USDA|VA) 11 $1,625,000 $147,727 $4,901 6.74%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $1,610,000 $268,333 $17,929 7.10%
TYLER, TX (FHA|USDA|VA) 5 $1,605,000 $321,000 $11,375 6.65%
SPRINGFIELD, OH (FHA|USDA|VA) 12 $1,550,000 $129,167 $5,685 5.70%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $1,535,000 $307,000 $17,052 7.28%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 6 $1,480,000 $246,667 $6,730 7.63%
URBAN HONOLULU, HI (FHA|USDA|VA) 4 $1,470,000 $367,500 $17,116 7.55%
Warrensburg, MO (FHA|USDA|VA) 6 $1,460,000 $243,333 $5,362 6.17%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $1,415,000 $1,415,000 $55,229 6.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $1,405,000 $468,333 $18,480 6.63%
EspaƱola, NM (FHA|USDA|VA) 5 $1,405,000 $281,000 $7,521 6.95%
London, KY (FHA|USDA|VA) 11 $1,385,000 $125,909 $4,211 6.00%
NAPA, CA (FHA|USDA|VA) 3 $1,385,000 $461,667 $12,094 7.92%
Jefferson, GA (FHA|USDA|VA) 4 $1,370,000 $342,500 $14,251 6.84%
BEND, OR (FHA|USDA|VA) 3 $1,325,000 $441,667 $15,460 6.67%
ODESSA, TX (FHA|USDA|VA) 5 $1,295,000 $259,000 $12,118 6.60%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,260,000 $315,000 $5,447 7.19%
Clewiston, FL (FHA|USDA|VA) 3 $1,245,000 $415,000 $15,782 7.58%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,235,000 $411,667 $7,866 7.46%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,225,000 $245,000 $11,703 5.23%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $1,220,000 $305,000 $12,841 7.06%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 7 $1,215,000 $173,571 $9,464 6.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,180,000 $295,000 $12,264 6.41%
Seymour, IN (FHA|USDA|VA) 7 $1,175,000 $167,857 $5,806 5.98%
Hilo, HI (FHA|USDA|VA) 2 $1,170,000 $585,000 $21,063 6.63%
COLUMBIA, MO (FHA|USDA|VA) 7 $1,155,000 $165,000 $5,174 6.82%
MODESTO, CA (FHA|USDA|VA) 3 $1,125,000 $375,000 $12,326 7.54%
SALEM, OR (FHA|USDA|VA) 3 $1,115,000 $371,667 $14,168 6.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $1,115,000 $223,000 $14,088 6.95%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,110,000 $555,000 $22,509 9.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,110,000 $277,500 $11,387 6.78%
FRESNO, CA (FHA|USDA|VA) 3 $1,095,000 $365,000 $17,511 7.12%
FORT COLLINS, CO (FHA|USDA|VA) 2 $1,080,000 $540,000 $15,170 6.50%
New Castle, IN (FHA|USDA|VA) 8 $1,080,000 $135,000 $4,944 7.70%
LANCASTER, PA (FHA|USDA|VA) 2 $1,070,000 $535,000 $12,368 7.19%
AKRON, OH (FHA|USDA|VA) 7 $1,065,000 $152,143 $7,431 6.80%
Bluffton, IN (FHA|USDA|VA) 8 $1,060,000 $132,500 $4,013 5.03%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $1,040,000 $520,000 $23,093 7.19%
POCATELLO, ID (FHA|USDA|VA) 5 $1,035,000 $207,000 $6,505 6.15%
Opelousas, LA (FHA|USDA|VA) 4 $1,030,000 $257,500 $11,845 6.75%
ROCKFORD, IL (FHA|USDA|VA) 8 $1,030,000 $128,750 $5,086 7.02%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,030,000 $257,500 $8,644 7.56%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $1,000,000 $166,667 $4,572 4.65%
MERCED, CA (FHA|USDA|VA) 3 $985,000 $328,333 $14,656 5.96%
EVANSVILLE, IN-KY (FHA|USDA|VA) 6 $970,000 $161,667 $6,453 7.23%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $965,000 $321,667 $16,668 6.83%
Outside of Metro Areas 2 $950,000 $475,000 $14,881 8.25%
JACKSON, MS (FHA|USDA|VA) 3 $945,000 $315,000 $15,252 8.01%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $900,000 $225,000 $8,390 5.66%
ANN ARBOR, MI (FHA|USDA|VA) 3 $895,000 $298,333 $6,730 7.17%
FORT SMITH, AR-OK (FHA|USDA|VA) 5 $875,000 $175,000 $6,996 6.50%
TOLEDO, OH (FHA|USDA|VA) 8 $860,000 $107,500 $6,707 7.20%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $835,000 $278,333 $12,143 6.46%
MOBILE, AL (FHA|USDA|VA) 7 $835,000 $119,286 $5,459 6.00%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 6 $830,000 $138,333 $6,747 5.60%
Somerset, KY (FHA|USDA|VA) 7 $805,000 $115,000 $5,050 5.80%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $790,000 $395,000 $16,352 7.38%
WICHITA, KS (FHA|USDA|VA) 5 $785,000 $157,000 $4,057 7.08%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $780,000 $390,000 $12,068 6.63%
MORRISTOWN, TN (FHA|USDA|VA) 1 $765,000 $765,000 $30,934 6.25%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $755,000 $755,000 $0 8.82%
JACKSONVILLE, NC (FHA|USDA|VA) 4 $750,000 $187,500 $0 8.48%
SAGINAW, MI (FHA|USDA|VA) 7 $745,000 $106,429 $3,669 4.98%
LYNCHBURG, VA (FHA|USDA|VA) 3 $745,000 $248,333 $13,366 6.29%
Newport, OR (FHA|USDA|VA) 3 $735,000 $245,000 $14,634 8.08%
Bucyrus-Galion, OH (FHA|USDA|VA) 5 $715,000 $143,000 $5,646 5.80%
Bardstown, KY (FHA|USDA|VA) 4 $710,000 $177,500 $5,730 5.88%
SPRINGFIELD, IL (FHA|USDA|VA) 3 $705,000 $235,000 $9,854 7.29%
Mount Sterling, KY (FHA|USDA|VA) 6 $700,000 $116,667 $5,957 5.92%
BAY CITY, MI (FHA|USDA|VA) 7 $695,000 $99,286 $3,977 5.88%
Shawnee, OK (FHA|USDA|VA) 3 $675,000 $225,000 $13,228 6.21%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $660,000 $330,000 $15,531 6.63%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $660,000 $330,000 $8,083 6.75%
Mount Vernon, OH (FHA|USDA|VA) 2 $660,000 $330,000 $19,386 6.88%
Athens, TX (FHA|USDA|VA) 3 $655,000 $218,333 $7,348 6.83%
Berlin, NH (FHA|USDA|VA) 3 $655,000 $218,333 $17,123 6.96%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $650,000 $162,500 $3,222 7.09%
STOCKTON, CA (FHA|USDA|VA) 2 $650,000 $325,000 $17,492 6.50%
KOKOMO, IN (FHA|USDA|VA) 7 $645,000 $92,143 $3,594 6.18%
FLORENCE, SC (FHA|USDA|VA) 3 $645,000 $215,000 $10,186 6.25%
Greenville, OH (FHA|USDA|VA) 4 $620,000 $155,000 $3,764 5.25%
Decatur, IN (FHA|USDA|VA) 3 $615,000 $205,000 $8,723 6.67%
PROVO-OREM, UT (FHA|USDA|VA) 1 $615,000 $615,000 $25,238 6.63%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $615,000 $615,000 $13,114 7.13%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $610,000 $305,000 $6,344 6.75%
Shelbyville, TN (FHA|USDA|VA) 1 $605,000 $605,000 $16,295 6.63%
Winfield, KS (FHA|USDA|VA) 1 $595,000 $595,000 $4,589 7.13%
TOPEKA, KS (FHA|USDA|VA) 3 $595,000 $198,333 $5,097 6.46%
Jacksonville, TX (FHA|USDA|VA) 3 $595,000 $198,333 $10,737 6.79%
JACKSON, MI (FHA|USDA|VA) 2 $590,000 $295,000 $6,218 7.38%
Cedar City, UT (FHA|USDA|VA) 1 $585,000 $585,000 $12,011 7.63%
Taos, NM (FHA|USDA|VA) 2 $580,000 $290,000 $5,332 7.38%
Toccoa, GA (FHA|USDA|VA) 4 $580,000 $145,000 $7,009 6.63%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $570,000 $285,000 $3,646 7.06%
HAMMOND, LA (FHA|USDA|VA) 2 $560,000 $280,000 $10,334 7.13%
Lebanon, NH-VT (FHA|USDA|VA) 2 $560,000 $280,000 $9,611 7.62%
Greensburg, IN (FHA|USDA|VA) 3 $555,000 $185,000 $5,277 6.88%
Washington, NC (FHA|USDA|VA) 1 $555,000 $555,000 $9,002 7.63%
Auburn, IN (FHA|USDA|VA) 3 $555,000 $185,000 $6,531 6.96%
BELLINGHAM, WA (FHA|USDA|VA) 1 $555,000 $555,000 $4,344 7.38%
ST. CLOUD, MN (FHA|USDA|VA) 2 $550,000 $275,000 $8,665 6.81%
Glenwood Springs, CO (FHA|USDA|VA) 2 $550,000 $275,000 $8,843 3.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $550,000 $275,000 $8,905 7.06%
Alexander City, AL (FHA|USDA|VA) 1 $545,000 $545,000 $16,970 7.63%
Sikeston, MO (FHA|USDA|VA) 3 $545,000 $181,667 $9,007 6.83%
Ukiah, CA (FHA|USDA|VA) 1 $545,000 $545,000 $27,168 6.13%
Prineville, OR (FHA|USDA|VA) 2 $540,000 $270,000 $17,339 5.56%
Georgetown, SC (FHA|USDA|VA) 1 $535,000 $535,000 $12,332 7.38%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $535,000 $178,333 $8,882 7.13%
Kingsville, TX (FHA|USDA|VA) 3 $535,000 $178,333 $10,079 6.79%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $530,000 $265,000 $3,850 6.88%
Coos Bay, OR (FHA|USDA|VA) 1 $525,000 $525,000 $25,001 6.25%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $520,000 $260,000 $9,728 6.44%
ALBANY, GA (FHA|USDA|VA) 2 $520,000 $260,000 $14,725 6.13%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $515,000 $515,000 $31,011 6.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $505,000 $505,000 $5,257 7.13%
YAKIMA, WA (FHA|USDA|VA) 3 $505,000 $168,333 $8,976 7.92%
Key West, FL (FHA|USDA|VA) 1 $505,000 $505,000 $0 8.13%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $505,000 $505,000 $3,841 6.63%
Sandpoint, ID (FHA|USDA|VA) 1 $505,000 $505,000 $4,266 7.63%
VISALIA, CA (FHA|USDA|VA) 1 $495,000 $495,000 $7,559 7.63%
GRANTS PASS, OR (FHA|USDA|VA) 1 $495,000 $495,000 $24,711 6.00%
ROANOKE, VA (FHA|USDA|VA) 2 $490,000 $245,000 $5,477 7.13%
CHEYENNE, WY (FHA|USDA|VA) 1 $485,000 $485,000 $14,246 7.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $485,000 $161,667 $6,275 7.00%
LUBBOCK, TX (FHA|USDA|VA) 2 $480,000 $240,000 $12,370 7.31%
Ashland, OH (FHA|USDA|VA) 2 $480,000 $240,000 $8,325 7.00%
PUEBLO, CO (FHA|USDA|VA) 1 $465,000 $465,000 $14,838 5.75%
Moultrie, GA (FHA|USDA|VA) 2 $460,000 $230,000 $2,890 6.81%
APPLETON, WI (FHA|USDA|VA) 1 $455,000 $455,000 $16,331 7.13%
LAKE CHARLES, LA (FHA|USDA|VA) 3 $455,000 $151,667 $10,785 6.96%
Ottawa, IL (FHA|USDA|VA) 2 $450,000 $225,000 $10,356 7.25%
Wabash, IN (FHA|USDA|VA) 4 $450,000 $112,500 $3,899 5.16%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $440,000 $220,000 $9,209 6.75%
Mount Pleasant, MI (FHA|USDA|VA) 3 $435,000 $145,000 $6,426 6.58%
Marion, NC (FHA|USDA|VA) 2 $430,000 $215,000 $6,682 7.75%
LONGVIEW, TX (FHA|USDA|VA) 2 $430,000 $215,000 $6,941 7.69%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $430,000 $215,000 $12,178 7.38%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $425,000 $425,000 $0 8.75%
Ruidoso, NM (FHA|USDA|VA) 1 $425,000 $425,000 $0 8.13%
Nogales, AZ (FHA|USDA|VA) 2 $420,000 $210,000 $6,783 6.88%
MANKATO, MN (FHA|USDA|VA) 2 $420,000 $210,000 $9,461 6.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $420,000 $210,000 $6,220 6.44%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $415,000 $415,000 $12,359 6.63%
Atchison, KS (FHA|USDA|VA) 2 $410,000 $205,000 $11,661 5.63%
Show Low, AZ (FHA|USDA|VA) 2 $410,000 $205,000 $6,057 7.06%
Winona, MN (FHA|USDA|VA) 1 $405,000 $405,000 $508 6.63%
PITTSBURGH, PA (FHA|USDA|VA) 3 $405,000 $135,000 $6,217 6.25%
Red Bluff, CA (FHA|USDA|VA) 1 $405,000 $405,000 $0 9.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $400,000 $100,000 $0 7.34%
Aberdeen, WA (FHA|USDA|VA) 2 $400,000 $200,000 $0 6.88%
RACINE, WI (FHA|USDA|VA) 1 $395,000 $395,000 $24,588 6.25%
MADERA, CA (FHA|USDA|VA) 1 $395,000 $395,000 $24,325 6.75%
GREELEY, CO (FHA|USDA|VA) 1 $385,000 $385,000 $11,538 6.63%
Marion, OH (FHA|USDA|VA) 3 $385,000 $128,333 $6,031 8.46%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $385,000 $385,000 $16,634 6.88%
Dublin, GA (FHA|USDA|VA) 1 $385,000 $385,000 $5,500 7.25%
Hannibal, MO (FHA|USDA|VA) 1 $385,000 $385,000 $11,831 7.13%
Orangeburg, SC (FHA|USDA|VA) 1 $385,000 $385,000 $11,552 6.63%
COLUMBUS, IN (FHA|USDA|VA) 1 $375,000 $375,000 $11,593 7.13%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $370,000 $185,000 $7,517 7.31%
Poplar Bluff, MO (FHA|USDA|VA) 2 $370,000 $185,000 $7,280 6.69%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $365,000 $365,000 $17,479 6.75%
Ashtabula, OH (FHA|USDA|VA) 3 $365,000 $121,667 $4,630 6.83%
Rockport, TX (FHA|USDA|VA) 1 $365,000 $365,000 $9,731 7.13%
MONROE, MI (FHA|USDA|VA) 3 $365,000 $121,667 $4,863 4.46%
Concord, NH (FHA|USDA|VA) 1 $365,000 $365,000 $4,848 7.38%
YUBA CITY, CA (FHA|USDA|VA) 1 $365,000 $365,000 $14,836 7.00%
SPRINGFIELD, MO (FHA|USDA|VA) 4 $360,000 $90,000 $3,025 3.16%
Scottsburg, IN (FHA|USDA|VA) 2 $360,000 $180,000 $7,121 7.13%
MUNCIE, IN (FHA|USDA|VA) 3 $355,000 $118,333 $4,977 7.29%
MONTGOMERY, AL (FHA|USDA|VA) 5 $355,000 $71,000 $0 8.65%
DOTHAN, AL (FHA|USDA|VA) 1 $355,000 $355,000 $1,205 5.75%
SUMTER, SC (FHA|USDA|VA) 3 $355,000 $118,333 $3,719 4.29%
Marshall, MO (FHA|USDA|VA) 2 $350,000 $175,000 $2,940 5.75%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $17,269 6.63%
Port Angeles, WA (FHA|USDA|VA) 1 $345,000 $345,000 $22,103 6.00%
Astoria, OR (FHA|USDA|VA) 1 $345,000 $345,000 $13,301 6.88%
Price, UT (FHA|USDA|VA) 2 $340,000 $170,000 $8,087 3.50%
Miami, OK (FHA|USDA|VA) 3 $335,000 $111,667 $5,595 6.42%
Ellensburg, WA (FHA|USDA|VA) 1 $335,000 $335,000 $8,083 6.13%
LAWTON, OK (FHA|USDA|VA) 3 $335,000 $111,667 $5,110 7.46%
Willmar, MN (FHA|USDA|VA) 1 $335,000 $335,000 $13,360 7.13%
ALEXANDRIA, LA (FHA|USDA|VA) 2 $330,000 $165,000 $5,346 7.25%
PANAMA CITY, FL (FHA|USDA|VA) 2 $330,000 $165,000 $10,314 7.13%
BANGOR, ME (FHA|USDA|VA) 1 $325,000 $325,000 $11,226 7.13%
ROCHESTER, MN (FHA|USDA|VA) 1 $325,000 $325,000 $6,294 7.25%
Breckenridge, CO (FHA|USDA|VA) 1 $325,000 $325,000 $6,936 6.88%
Kendallville, IN (FHA|USDA|VA) 4 $320,000 $80,000 $2,664 5.13%
Albertville, AL (FHA|USDA|VA) 1 $315,000 $315,000 $17,792 5.88%
The Dalles, OR (FHA|USDA|VA) 1 $315,000 $315,000 $10,676 7.63%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $310,000 $155,000 $0 8.25%
JOPLIN, MO (FHA|USDA|VA) 2 $310,000 $155,000 $4,214 6.81%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $305,000 $305,000 $4,955 7.50%
CaƱon City, CO (FHA|USDA|VA) 1 $305,000 $305,000 $0 8.38%
ROME, GA (FHA|USDA|VA) 1 $305,000 $305,000 $11,550 6.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $295,000 $295,000 $9,887 5.50%
Huntington, IN (FHA|USDA|VA) 3 $295,000 $98,333 $3,085 4.67%
St. Marys, GA (FHA|USDA|VA) 1 $295,000 $295,000 $11,160 6.75%
Starkville, MS (FHA|USDA|VA) 1 $295,000 $295,000 $7,436 6.63%
Whitewater, WI (FHA|USDA|VA) 1 $285,000 $285,000 $16,127 7.13%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $285,000 $285,000 $19,292 6.75%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $280,000 $140,000 $9,134 6.63%
Burley, ID (FHA|USDA|VA) 1 $275,000 $275,000 $13,057 6.13%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $7,021 7.38%
LONGVIEW, WA (FHA|USDA|VA) 1 $265,000 $265,000 $12,967 5.75%
Cambridge, MD (FHA|USDA|VA) 2 $260,000 $130,000 $4,058 3.63%
Safford, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $12,969 7.00%
Centralia, IL (FHA|USDA|VA) 3 $255,000 $85,000 $3,448 4.67%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $255,000 $255,000 $7,256 6.88%
Palatka, FL (FHA|USDA|VA) 1 $255,000 $255,000 $10,553 7.13%
MONROE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $6,347 7.13%
GAINESVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $10,883 7.13%
FLINT, MI (FHA|USDA|VA) 1 $245,000 $245,000 $6,965 7.25%
Moberly, MO (FHA|USDA|VA) 1 $235,000 $235,000 $11,385 7.63%
DECATUR, IL (FHA|USDA|VA) 1 $235,000 $235,000 $4,888 7.13%
SANTA FE, NM (FHA|USDA|VA) 1 $235,000 $235,000 $6,927 7.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $235,000 $235,000 $9,204 5.99%
Roswell, NM (FHA|USDA|VA) 2 $230,000 $115,000 $4,134 8.75%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $230,000 $115,000 $5,009 7.56%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $225,000 $225,000 $4,400 7.00%
Klamath Falls, OR (FHA|USDA|VA) 1 $225,000 $225,000 $9,593 6.63%
PITTSFIELD, MA (FHA|USDA|VA) 1 $215,000 $215,000 $9,107 6.75%
Roseburg, OR (FHA|USDA|VA) 1 $215,000 $215,000 $15,279 5.63%
Farmington, MO (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.63%
Cambridge, OH (FHA|USDA|VA) 2 $210,000 $105,000 $0 7.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $210,000 $105,000 $5,495 7.13%
West Plains, MO (FHA|USDA|VA) 3 $205,000 $68,333 $3,663 4.33%
Shelton, WA (FHA|USDA|VA) 1 $205,000 $205,000 $11,098 6.13%
Richmond, IN (FHA|USDA|VA) 2 $200,000 $100,000 $3,148 6.56%
GREEN BAY, WI (FHA|USDA|VA) 1 $195,000 $195,000 $14,467 6.00%
DOVER, DE (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.88%
Fort Payne, AL (FHA|USDA|VA) 1 $195,000 $195,000 $11,066 6.75%
Plainview, TX (FHA|USDA|VA) 1 $195,000 $195,000 $10,854 6.75%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $771 7.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $195,000 $195,000 $8,488 6.75%
Plymouth, IN (FHA|USDA|VA) 2 $190,000 $95,000 $2,597 3.31%
Adrian, MI (FHA|USDA|VA) 2 $190,000 $95,000 $2,459 3.31%
Huron, SD (FHA|USDA|VA) 1 $185,000 $185,000 $0 9.19%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $185,000 $185,000 $6,753 6.63%
Celina, OH (FHA|USDA|VA) 1 $185,000 $185,000 $6,951 6.63%
Athens, OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,069 7.25%
Clarksdale, MS (FHA|USDA|VA) 1 $185,000 $185,000 $10,935 6.63%
IOWA CITY, IA (FHA|USDA|VA) 1 $185,000 $185,000 $0 10.38%
Glasgow, KY (FHA|USDA|VA) 1 $185,000 $185,000 $7,218 6.25%
Wauchula, FL (FHA|USDA|VA) 1 $185,000 $185,000 $7,039 8.13%
Washington Court House, OH (FHA|USDA|VA) 1 $185,000 $185,000 $10,681 6.25%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $175,000 $175,000 $5,560 6.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $175,000 $175,000 $9,582 7.63%
Alma, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,381 7.13%
BURLINGTON, NC (FHA|USDA|VA) 1 $175,000 $175,000 $9,297 6.50%
HATTIESBURG, MS (FHA|USDA|VA) 1 $175,000 $175,000 $5,671 6.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $175,000 $175,000 $4,255 6.50%
Tifton, GA (FHA|USDA|VA) 1 $175,000 $175,000 $7,250 6.63%
Tahlequah, OK (FHA|USDA|VA) 1 $175,000 $175,000 $8,080 6.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $170,000 $85,000 $4,234 5.94%
Bellefontaine, OH (FHA|USDA|VA) 1 $165,000 $165,000 $10,480 5.75%
Paris, TX (FHA|USDA|VA) 1 $165,000 $165,000 $8,838 7.13%
Peru, IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,271 6.50%
Gainesville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $12,539 6.25%
Bedford, IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,849 7.63%
Susanville, CA (FHA|USDA|VA) 1 $165,000 $165,000 $8,258 6.50%
OWENSBORO, KY (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.38%
Corsicana, TX (FHA|USDA|VA) 1 $155,000 $155,000 $6,017 6.75%
Cookeville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $4,196 6.63%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $155,000 $155,000 $4,675 6.75%
West Point, MS (FHA|USDA|VA) 1 $155,000 $155,000 $6,435 6.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $150,000 $75,000 $1,790 8.75%
Marion, IN (FHA|USDA|VA) 1 $145,000 $145,000 $4,393 6.63%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.99%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $140,000 $70,000 $3,635 7.88%
Oil City, PA (FHA|USDA|VA) 1 $135,000 $135,000 $10,830 6.63%
AMES, IA (FHA|USDA|VA) 1 $135,000 $135,000 $8,928 7.00%
Douglas, GA (FHA|USDA|VA) 1 $135,000 $135,000 $2,035 7.13%
Pontiac, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,304 6.63%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.13%
JACKSON, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,599 7.00%
Ardmore, OK (FHA|USDA|VA) 1 $115,000 $115,000 $5,874 7.00%
Muskogee, OK (FHA|USDA|VA) 1 $115,000 $115,000 $7,683 8.13%
MADISON, WI (FHA|USDA|VA) 1 $115,000 $115,000 $3,225 7.13%
Sterling, CO (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.63%
Granbury, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,627 6.63%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $95,000 $95,000 $5,717 7.13%
Stillwater, OK (FHA|USDA|VA) 2 $90,000 $45,000 $3,302 8.75%
Ponca City, OK (FHA|USDA|VA) 1 $85,000 $85,000 $5,981 7.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $85,000 $85,000 $4,810 6.63%
WACO, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,775 6.63%
Fairfield, IA (FHA|USDA|VA) 1 $85,000 $85,000 $3,535 6.75%
CHARLESTON, WV (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.00%
Geneva Financial's top markets include Phoenix, St. Louis, Miami, Chicago, and Seattle among others.

Their top states include:
  • Arizona (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against GENEVA FINANCIAL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Savings Bank of Hegewisch
    Similarity Rank: 36
    Liberty Bank for Savings
    Similarity Rank: 79
    CRESCENT MORTGAGE COMPANY
    Similarity Rank: 80
    POINT BREEZE
    Similarity Rank: 90
    ALABAMA CREDIT UNION
    Similarity Rank: 105
    FIRST FINANCIAL OF MARYLAND
    Similarity Rank: 117
    Mutual Savings Credit Union
    Similarity Rank: 119
    Liberty Mortgage Corporation
    Similarity Rank: 120
    SELCO COMMUNITY
    Similarity Rank: 133

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,414 $820,980,000 $240,475 $6,681 6.43%
    FHA 1,902 $538,650,000 $283,202 $13,770 6.76%
    VA 408 $146,410,000 $358,848 $10,465 6.66%
    USDA 163 $33,055,000 $202,791 $8,560 6.47%
    HELOC 51 $23,705,000 $464,804 n/a 8.62%

    For 2024, Geneva Financial's most frequently originated type of loan was Conventional, with 3,414 originations. Their 2nd most popular type was FHA, with 1,902 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,158 $1,338,960,000 $259,589 $9,287 6.49%
    Cash Out Refi 580 $162,120,000 $279,517 $12,487 7.18%
    Refi 200 $61,720,000 $308,600 $9,147 6.84%

    For 2024, Geneva Financial's most frequently cited loan purpose was Home Purchase, with 5,158 originations. The 2nd most popular reason was Cash Out Refi, with 580 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,506 $1,540,870,000 $279,853 $10,219 6.66%
    10 Year 284 $3,290,000 $11,585 $86 6.59%
    Other 70 $3,950,000 $56,429 $2,046 1.79%
    15 Year 34 $8,790,000 $258,529 $8,779 6.00%
    20 Year 19 $4,485,000 $236,053 $7,946 6.36%
    3 Year 12 $130,000 $10,833 $6 0.00%
    5 Year 10 $80,000 $8,000 $0 0.00%
    30+ year 3 $1,205,000 $401,667 $0 8.33%

    For 2024, Geneva Financial's most frequently cited loan duration was 30 Year, with 5,506 originations. The 2nd most popular length was 10 Year, with 284 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,396 $863,990,000 $360,597
    $<1k 829 $74,275,000 $89,596
    $1k-2k 765 $177,515,000 $232,046
    $2k-3k 677 $137,745,000 $203,464
    $3k-4k 643 $141,105,000 $219,448
    $4k-5k 577 $144,465,000 $250,373

    Geneva Financial's average total fees were $10,219, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,396 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 2,695 $744,495,000 $276,250
    7-8% 1,989 $584,225,000 $293,728
    5-6% 422 $117,930,000 $279,455
    Over 8% 416 $108,020,000 $259,663
    <2.5% 349 $4,225,000 $12,106
    3-4% 54 $430,000 $7,963
    4-5% 13 $3,475,000 $267,308

    During 2024, Geneva Financial's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 2,695 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,808 $806,850,000 $287,340 $11,006 6.91%
    $100k-200k 1,390 $217,260,000 $156,302 $6,463 6.93%
    $100,000 or less 816 $24,070,000 $29,498 $858 4.22%
    $400k-600k 692 $329,490,000 $476,142 $15,771 7.01%
    $600k-1MM 204 $144,720,000 $709,412 $18,411 7.22%
    $1MM+ 28 $40,410,000 $1,443,214 $37,609 7.56%

    2024 saw Geneva Financial place emphasis on $200k-400k loans with 2,808 originations, totaling $806,850,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,429 $271,045,000 $189,675 $7,698 6.17%
    $100k-150k 1,360 $403,500,000 $296,691 $11,048 6.75%
    $75k-100k 1,329 $317,375,000 $238,807 $9,454 6.40%
    $150k-250k 755 $285,995,000 $378,801 $12,481 7.10%
    $50k or less 590 $74,650,000 $126,525 $5,384 5.99%
    $250k+ 325 $172,075,000 $529,462 $14,514 7.40%

    Geneva Financial lent most frequently to those with incomes in the $50k-75k range, with 1,429 originations. The second most popular income band? $100k-150k, with 1,360 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 1,040 $267,170,000 $256,894 $8,719 6.77%
    30-36% 692 $182,460,000 $263,671 $8,476 6.69%
    20-30% 627 $152,425,000 $243,102 $7,904 6.73%
    50-60% 596 $188,540,000 $316,342 $14,328 6.62%
    49% 325 $92,545,000 $284,754 $10,399 6.73%
    44% 260 $71,130,000 $273,577 $9,371 6.47%
    47% 218 $57,770,000 $265,000 $10,045 6.35%
    48% 216 $64,460,000 $298,426 $10,801 6.79%
    42% 214 $50,980,000 $238,224 $8,656 6.13%
    46% 211 $55,225,000 $261,730 $9,914 6.41%
    43% 210 $51,630,000 $245,857 $9,427 6.16%
    41% 208 $46,480,000 $223,462 $8,220 6.17%
    45% 204 $54,670,000 $267,990 $9,524 6.48%
    39% 199 $47,375,000 $238,065 $8,142 6.38%
    40% 196 $46,310,000 $236,276 $7,734 6.24%
    38% 151 $37,665,000 $249,437 $8,444 6.41%
    36% 130 $33,770,000 $259,769 $9,375 6.54%
    37% 128 $30,150,000 $235,547 $7,763 6.48%
    >60% 113 $32,045,000 $283,584 $10,524 6.78%

    Geneva Financial lent most frequently to those with DTI ratios of <20%, with 1,040 originations. The next most common DTI ratio? 30-36%, with 692 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,573 $1,201,095,000 $262,649 $9,269 6.60%
    Black 731 $180,105,000 $246,382 $9,681 6.33%
    Not provided 365 $109,225,000 $299,247 $11,792 6.66%
    Asian 159 $42,605,000 $267,956 $10,081 6.92%
    American Indian 74 $20,180,000 $272,703 $11,405 6.39%
    Native Hawaiian or Islander 36 $9,590,000 $266,389 $10,403 6.38%

    Approval Rates

    Total approvals of all applications
    97.28%

    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
    53.38%

    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
    32118.4 1 $715,000 $715,000
    NA 5,937 $1,562,085,000 $263,110

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,938 $1,562,800,000 $263,186

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 112 $18,260,000 $163,036 $5,252 6.49%
    40-60% 297 $71,275,000 $239,983 $7,400 6.90%
    60-80% 1,137 $331,905,000 $291,913 $10,185 7.25%
    80-100% 3,670 $1,095,930,000 $298,619 $11,122 6.88%
    Over 100% 119 $37,185,000 $312,479 $12,853 6.66%
    Under 20% 603 $8,245,000 $13,673 $120 3.27%