Geneva Financial Mortgage Rates, Fees & Info

ORO VALLEY, AZ

LEI: 5493001XKL0FTNOJ0866

Tax ID: 26-1589507

1 stars - out of 5 stars, based on 85 reviews

Latest/2022 | 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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Dallas, Miami, Seattle, and Portland among others. We have data for 457 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% 6/4/23
30 Year Conventional Purchase 6.78% 6/4/23
30 Year Conventional Refi 6.85% 6/4/23
30 Year Cash-out Refi 7.09% 6/4/23
30 Year FHA Purchase 7.74% 6/4/23
30 Year FHA Refi 7.55% 6/4/23
30 Year VA Purchase 6.60% 6/4/23
30 Year VA Refi 6.10% 6/4/23
30 Year USDA Purchase 7.08% 6/4/23
30 Year USDA Refi 6.27% 6/4/23
15 Year Conventional Purchase 6.38% 6/4/23
15 Year Conventional Refi 6.38% 6/4/23
15 Year Cash-out Refi 6.38% 6/4/23
15 Year FHA Refi 7.19% 6/4/23
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

7,208

Origination Dollar Volume (All Markets)

$1,967,590,000

Awards

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

Relative Rate

Geneva Financial's average 30 year fixed mortgage rate was 5.26%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.5%.

Relative Fees (Closing Costs)

Geneva Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $9,321.

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

Top Markets

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

Market Originations Total Value Average Loan Average Fees Average Rate
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 708 $243,030,000 $343,263 $10,451 5.26%
Outside of Metro Areas 345 $67,355,000 $195,232 $7,089 5.21%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 183 $60,845,000 $332,486 $10,818 5.26%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 155 $52,645,000 $339,645 $11,341 5.19%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 108 $52,160,000 $482,963 $13,805 4.99%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 126 $50,960,000 $404,444 $10,649 5.16%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 229 $50,025,000 $218,450 $8,465 5.40%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 177 $48,985,000 $276,751 $9,861 5.19%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 200 $47,500,000 $237,500 $5,439 5.27%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 97 $39,755,000 $409,845 $11,778 5.15%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 59 $33,355,000 $565,339 $15,139 4.99%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 115 $33,255,000 $289,174 $10,050 5.57%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 120 $32,850,000 $273,750 $8,623 4.88%
RICHMOND, VA (FHA|USDA|VA) 95 $31,195,000 $328,368 $10,962 5.29%
BEND, OR (FHA|USDA|VA) 66 $30,660,000 $464,545 $10,837 4.73%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 105 $30,125,000 $286,905 $12,642 5.05%
TUCSON, AZ (FHA|USDA|VA) 111 $29,525,000 $265,991 $9,106 5.24%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 91 $28,295,000 $310,934 $9,317 5.51%
PUNTA GORDA, FL (FHA|USDA|VA) 108 $26,920,000 $249,259 $7,804 4.91%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 101 $25,725,000 $254,703 $9,468 4.85%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 112 $25,240,000 $225,357 $7,036 5.41%
Richmond-Berea, KY (FHA|USDA|VA) 113 $24,745,000 $218,982 $5,744 5.10%
ST. LOUIS, MO-IL (FHA|USDA|VA) 115 $24,285,000 $211,174 $7,601 5.33%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 84 $24,100,000 $286,905 $10,228 4.96%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 50 $20,900,000 $418,000 $10,577 4.87%
COLUMBUS, OH (FHA|USDA|VA) 96 $19,280,000 $200,833 $6,944 5.16%
SALEM, OR (FHA|USDA|VA) 57 $19,165,000 $336,228 $9,439 4.75%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 55 $19,015,000 $345,727 $13,422 5.20%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 58 $17,000,000 $293,103 $10,693 4.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 47 $16,905,000 $359,681 $10,141 4.97%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 91 $16,485,000 $181,154 $6,626 5.26%
GRAND JUNCTION, CO (FHA|USDA|VA) 55 $16,175,000 $294,091 $7,982 4.57%
Hobbs, NM (FHA|USDA|VA) 60 $14,950,000 $249,167 $9,288 5.43%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 20 $14,340,000 $717,000 $16,243 5.38%
Montrose, CO (FHA|USDA|VA) 47 $13,655,000 $290,532 $7,350 4.61%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 28 $13,140,000 $469,286 $12,989 4.91%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 34 $13,060,000 $384,118 $10,204 5.72%
FORT WAYNE, IN (FHA|USDA|VA) 68 $11,840,000 $174,118 $5,325 5.44%
KANSAS CITY, MO-KS (FHA|USDA|VA) 69 $11,555,000 $167,464 $5,923 5.22%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 41 $11,445,000 $279,146 $8,620 5.28%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 30 $11,250,000 $375,000 $11,599 4.95%
Danville, KY (FHA|USDA|VA) 53 $10,955,000 $206,698 $5,557 5.06%
PORT ST. LUCIE, FL (FHA|USDA|VA) 38 $10,510,000 $276,579 $9,520 4.93%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 55 $10,385,000 $188,818 $5,499 5.42%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 14 $10,290,000 $735,000 $20,779 5.29%
SAN ANGELO, TX (FHA|USDA|VA) 41 $9,965,000 $243,049 $7,055 5.11%
COLORADO SPRINGS, CO (FHA|USDA|VA) 30 $9,140,000 $304,667 $8,320 4.27%
YUMA, AZ (FHA|USDA|VA) 38 $8,480,000 $223,158 $9,449 5.90%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 25 $8,415,000 $336,600 $12,275 5.60%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 24 $8,350,000 $347,917 $13,085 4.71%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 20 $8,030,000 $401,500 $11,389 4.44%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 32 $7,790,000 $243,438 $9,323 4.05%
Madison, IN (FHA|USDA|VA) 45 $7,625,000 $169,444 $6,765 4.81%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 30 $7,620,000 $254,000 $10,144 4.95%
HUNTSVILLE, AL (FHA|USDA|VA) 32 $7,600,000 $237,500 $8,082 5.82%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 26 $7,500,000 $288,462 $9,293 4.96%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 31 $7,395,000 $238,548 $8,099 4.92%
Payson, AZ (FHA|USDA|VA) 39 $7,365,000 $188,846 $8,261 4.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 35 $6,805,000 $194,429 $6,709 5.35%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 23 $6,735,000 $292,826 $9,756 5.24%
COLUMBIA, SC (FHA|USDA|VA) 38 $6,670,000 $175,526 $7,006 4.86%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 27 $6,635,000 $245,741 $9,332 5.29%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 23 $6,275,000 $272,826 $9,526 5.26%
Warsaw, IN (FHA|USDA|VA) 34 $6,250,000 $183,824 $6,458 5.63%
OCALA, FL (FHA|USDA|VA) 37 $6,235,000 $168,514 $7,606 5.66%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 24 $6,000,000 $250,000 $10,998 4.83%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 35 $5,775,000 $165,000 $5,639 4.63%
FLAGSTAFF, AZ (FHA|USDA|VA) 12 $5,570,000 $464,167 $12,717 6.05%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 20 $5,560,000 $278,000 $11,090 5.38%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 17 $5,415,000 $318,529 $9,502 4.84%
LANCASTER, PA (FHA|USDA|VA) 23 $5,335,000 $231,957 $9,639 5.33%
Glenwood Springs, CO (FHA|USDA|VA) 22 $5,300,000 $240,909 $9,827 3.29%
JACKSONVILLE, FL (FHA|USDA|VA) 22 $5,190,000 $235,909 $11,457 5.63%
SPRINGFIELD, MO (FHA|USDA|VA) 21 $5,135,000 $244,524 $7,385 5.08%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 24 $5,090,000 $212,083 $9,205 4.87%
Palestine, TX (FHA|USDA|VA) 23 $5,035,000 $218,913 $9,113 6.05%
Mount Sterling, KY (FHA|USDA|VA) 28 $4,940,000 $176,429 $4,942 5.25%
Frankfort, KY (FHA|USDA|VA) 20 $4,830,000 $241,500 $6,622 5.46%
TOLEDO, OH (FHA|USDA|VA) 26 $4,690,000 $180,385 $7,062 5.33%
ALBANY-LEBANON, OR (FHA|USDA|VA) 16 $4,640,000 $290,000 $10,734 4.23%
Truckee-Grass Valley, CA (FHA|USDA|VA) 10 $4,550,000 $455,000 $9,993 5.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 26 $4,320,000 $166,154 $5,691 5.54%
LOUISVILLE, KY (FHA|USDA|VA) 17 $4,125,000 $242,647 $4,700 5.39%
EL PASO, TX (FHA|USDA|VA) 19 $4,105,000 $216,053 $11,980 6.16%
NAPA, CA (FHA|USDA|VA) 8 $3,690,000 $461,250 $11,842 5.02%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $3,665,000 $523,571 $14,726 5.94%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 16 $3,590,000 $224,375 $8,485 5.37%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 14 $3,480,000 $248,571 $9,127 5.79%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 10 $3,470,000 $347,000 $10,404 5.63%
Angola, IN (FHA|USDA|VA) 14 $3,430,000 $245,000 $7,432 6.37%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $3,410,000 $341,000 $10,048 5.16%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 33 $3,335,000 $101,061 $3,535 5.97%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $3,305,000 $661,000 $19,890 4.85%
MIDLAND, MI (FHA|USDA|VA) 22 $3,240,000 $147,273 $6,138 4.62%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 13 $3,225,000 $248,077 $6,837 4.90%
Show Low, AZ (FHA|USDA|VA) 9 $3,185,000 $353,889 $10,550 5.17%
KANKAKEE, IL (FHA|USDA|VA) 18 $3,160,000 $175,556 $7,322 6.09%
PANAMA CITY, FL (FHA|USDA|VA) 14 $3,090,000 $220,714 $7,758 4.84%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 24 $3,070,000 $127,917 $5,080 5.79%
PROVO-OREM, UT (FHA|USDA|VA) 7 $3,065,000 $437,857 $6,802 5.47%
Prineville, OR (FHA|USDA|VA) 11 $2,965,000 $269,545 $9,205 5.01%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 24 $2,960,000 $123,333 $9,237 6.17%
CORVALLIS, OR (FHA|USDA|VA) 6 $2,780,000 $463,333 $10,633 4.48%
READING, PA (FHA|USDA|VA) 20 $2,760,000 $138,000 $7,252 5.78%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 14 $2,710,000 $193,571 $9,043 5.08%
VALLEJO, CA (FHA|USDA|VA) 5 $2,695,000 $539,000 $12,489 5.36%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $2,610,000 $217,500 $10,144 4.93%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 16 $2,550,000 $159,375 $4,230 6.30%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 14 $2,540,000 $181,429 $8,395 5.14%
OKLAHOMA CITY, OK (FHA|USDA|VA) 11 $2,525,000 $229,545 $10,627 5.07%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $2,525,000 $505,000 $9,735 5.80%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 11 $2,475,000 $225,000 $7,901 6.11%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 10 $2,440,000 $244,000 $8,731 5.06%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 5 $2,435,000 $487,000 $17,665 5.23%
WORCESTER, MA-CT (FHA|USDA|VA) 9 $2,425,000 $269,444 $7,851 5.99%
POCATELLO, ID (FHA|USDA|VA) 10 $2,400,000 $240,000 $8,997 5.30%
SPARTANBURG, SC (FHA|USDA|VA) 9 $2,285,000 $253,889 $8,992 5.31%
FORT COLLINS, CO (FHA|USDA|VA) 6 $2,280,000 $380,000 $10,774 4.25%
SPRINGFIELD, MA (FHA|USDA|VA) 10 $2,250,000 $225,000 $9,590 6.61%
DAYTON-KETTERING, OH (FHA|USDA|VA) 21 $2,145,000 $102,143 $4,335 5.16%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 11 $2,105,000 $191,364 $6,977 5.42%
AKRON, OH (FHA|USDA|VA) 12 $2,080,000 $173,333 $7,256 6.03%
ALBUQUERQUE, NM (FHA|USDA|VA) 10 $2,070,000 $207,000 $5,730 5.33%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 7 $2,035,000 $290,714 $10,485 6.00%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 7 $2,035,000 $290,714 $10,822 5.82%
KNOXVILLE, TN (FHA|USDA|VA) 4 $2,010,000 $502,500 $20,798 4.88%
PITTSBURGH, PA (FHA|USDA|VA) 7 $1,965,000 $280,714 $14,199 6.34%
Crawfordsville, IN (FHA|USDA|VA) 14 $1,940,000 $138,571 $6,156 6.21%
Opelousas, LA (FHA|USDA|VA) 7 $1,935,000 $276,429 $13,599 5.75%
BAKERSFIELD, CA (FHA|USDA|VA) 5 $1,895,000 $379,000 $10,855 5.30%
BOWLING GREEN, KY (FHA|USDA|VA) 7 $1,845,000 $263,571 $7,621 4.41%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,820,000 $455,000 $14,556 5.75%
Centralia, WA (FHA|USDA|VA) 6 $1,810,000 $301,667 $13,342 5.33%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $1,760,000 $440,000 $23,265 5.59%
WENATCHEE, WA (FHA|USDA|VA) 2 $1,760,000 $880,000 $10,654 4.69%
STOCKTON, CA (FHA|USDA|VA) 4 $1,740,000 $435,000 $9,053 4.47%
Warrensburg, MO (FHA|USDA|VA) 8 $1,740,000 $217,500 $8,748 5.06%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,700,000 $425,000 $12,921 5.69%
ANN ARBOR, MI (FHA|USDA|VA) 6 $1,670,000 $278,333 $8,039 4.67%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,595,000 $319,000 $10,148 4.70%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $1,585,000 $1,585,000 $0 5.98%
Newberry, SC (FHA|USDA|VA) 9 $1,565,000 $173,889 $7,216 4.39%
LONGVIEW, TX (FHA|USDA|VA) 6 $1,560,000 $260,000 $8,548 4.94%
Okeechobee, FL (FHA|USDA|VA) 8 $1,550,000 $193,750 $8,605 4.89%
YORK-HANOVER, PA (FHA|USDA|VA) 7 $1,535,000 $219,286 $11,683 5.11%
LAFAYETTE, LA (FHA|USDA|VA) 9 $1,515,000 $168,333 $8,590 4.93%
GREELEY, CO (FHA|USDA|VA) 4 $1,510,000 $377,500 $16,366 4.72%
BOISE CITY, ID (FHA|USDA|VA) 5 $1,485,000 $297,000 $8,171 3.97%
TULSA, OK (FHA|USDA|VA) 7 $1,485,000 $212,143 $9,379 5.27%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 8 $1,480,000 $185,000 $8,268 5.47%
SAGINAW, MI (FHA|USDA|VA) 12 $1,450,000 $120,833 $5,325 4.52%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,440,000 $360,000 $11,804 6.09%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $1,425,000 $203,571 $7,176 5.30%
ST. GEORGE, UT (FHA|USDA|VA) 3 $1,405,000 $468,333 $7,432 3.42%
Jefferson, GA (FHA|USDA|VA) 5 $1,375,000 $275,000 $15,091 5.75%
MODESTO, CA (FHA|USDA|VA) 4 $1,360,000 $340,000 $8,525 4.94%
Clewiston, FL (FHA|USDA|VA) 4 $1,360,000 $340,000 $13,904 5.00%
FRESNO, CA (FHA|USDA|VA) 6 $1,360,000 $226,667 $9,717 4.25%
Ellensburg, WA (FHA|USDA|VA) 3 $1,355,000 $451,667 $14,299 5.25%
Roswell, NM (FHA|USDA|VA) 2 $1,320,000 $660,000 $20,064 5.19%
CANTON-MASSILLON, OH (FHA|USDA|VA) 8 $1,310,000 $163,750 $7,618 5.84%
London, KY (FHA|USDA|VA) 7 $1,275,000 $182,143 $4,645 4.79%
Hilo, HI (FHA|USDA|VA) 3 $1,265,000 $421,667 $11,756 4.75%
Sonora, CA (FHA|USDA|VA) 4 $1,260,000 $315,000 $7,870 6.03%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 5 $1,235,000 $247,000 $8,421 5.80%
MOBILE, AL (FHA|USDA|VA) 6 $1,230,000 $205,000 $8,268 5.21%
PUEBLO, CO (FHA|USDA|VA) 6 $1,220,000 $203,333 $5,697 3.42%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $1,200,000 $150,000 $7,559 5.01%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,200,000 $300,000 $8,035 6.28%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 7 $1,195,000 $170,714 $8,932 5.70%
MONROE, MI (FHA|USDA|VA) 6 $1,180,000 $196,667 $8,547 4.60%
FLORENCE, SC (FHA|USDA|VA) 6 $1,180,000 $196,667 $7,546 4.15%
FAYETTEVILLE, NC (FHA|USDA|VA) 5 $1,175,000 $235,000 $12,294 5.30%
Sevierville, TN (FHA|USDA|VA) 3 $1,165,000 $388,333 $9,693 6.85%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 8 $1,140,000 $142,500 $5,559 5.05%
Kendallville, IN (FHA|USDA|VA) 6 $1,140,000 $190,000 $5,868 5.90%
GAINESVILLE, FL (FHA|USDA|VA) 7 $1,135,000 $162,143 $5,710 5.80%
Shelby, NC (FHA|USDA|VA) 4 $1,090,000 $272,500 $9,154 5.63%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,085,000 $361,667 $14,394 4.71%
SHERMAN-DENISON, TX (FHA|USDA|VA) 6 $1,080,000 $180,000 $5,487 5.31%
GAINESVILLE, GA (FHA|USDA|VA) 3 $1,065,000 $355,000 $17,071 5.17%
SAVANNAH, GA (FHA|USDA|VA) 4 $1,030,000 $257,500 $11,319 6.00%
Mount Pleasant, MI (FHA|USDA|VA) 6 $1,030,000 $171,667 $6,663 5.58%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $1,025,000 $341,667 $12,942 5.92%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 8 $1,010,000 $126,250 $0 6.14%
ALBANY, GA (FHA|USDA|VA) 6 $1,010,000 $168,333 $7,117 5.06%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,005,000 $335,000 $11,230 4.79%
ASHEVILLE, NC (FHA|USDA|VA) 3 $995,000 $331,667 $7,880 5.08%
DALTON, GA (FHA|USDA|VA) 4 $980,000 $245,000 $9,224 4.72%
DECATUR, AL (FHA|USDA|VA) 6 $980,000 $163,333 $6,086 5.48%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $970,000 $242,500 $16,158 5.97%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $965,000 $965,000 $13,851 8.75%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $945,000 $945,000 $10,454 4.13%
COLUMBUS, GA-AL (FHA|USDA|VA) 6 $940,000 $156,667 $7,485 5.83%
ROME, GA (FHA|USDA|VA) 6 $930,000 $155,000 $6,868 4.10%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $930,000 $465,000 $11,605 6.38%
BATON ROUGE, LA (FHA|USDA|VA) 7 $925,000 $132,143 $6,514 3.77%
LEBANON, PA (FHA|USDA|VA) 6 $920,000 $153,333 $6,940 4.58%
Glasgow, KY (FHA|USDA|VA) 6 $920,000 $153,333 $5,271 5.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $910,000 $227,500 $7,383 4.75%
GREENVILLE, NC (FHA|USDA|VA) 3 $905,000 $301,667 $4,955 6.13%
Española, NM (FHA|USDA|VA) 3 $895,000 $298,333 $11,312 5.29%
JACKSON, MI (FHA|USDA|VA) 4 $890,000 $222,500 $7,540 5.50%
Moses Lake, WA (FHA|USDA|VA) 3 $885,000 $295,000 $7,873 3.33%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $885,000 $295,000 $3,408 6.41%
JACKSONVILLE, NC (FHA|USDA|VA) 4 $860,000 $215,000 $9,868 4.50%
Auburn, IN (FHA|USDA|VA) 6 $860,000 $143,333 $6,265 6.21%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $850,000 $212,500 $9,954 4.53%
ODESSA, TX (FHA|USDA|VA) 3 $845,000 $281,667 $11,709 5.63%
VISALIA, CA (FHA|USDA|VA) 2 $820,000 $410,000 $15,056 6.00%
Roseburg, OR (FHA|USDA|VA) 3 $805,000 $268,333 $7,758 4.54%
ROCKFORD, IL (FHA|USDA|VA) 7 $805,000 $115,000 $5,233 4.71%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $795,000 $265,000 $6,727 4.25%
Shelton, WA (FHA|USDA|VA) 2 $790,000 $395,000 $17,006 7.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $770,000 $385,000 $14,073 6.94%
LONGVIEW, WA (FHA|USDA|VA) 4 $750,000 $187,500 $7,424 4.00%
RENO, NV (FHA|USDA|VA) 2 $740,000 $370,000 $4,157 3.88%
Arcadia, FL (FHA|USDA|VA) 3 $735,000 $245,000 $10,793 5.92%
Newport, OR (FHA|USDA|VA) 2 $730,000 $365,000 $9,477 5.19%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $725,000 $241,667 $9,588 4.71%
Morehead City, NC (FHA|USDA|VA) 2 $720,000 $360,000 $20,009 4.31%
Astoria, OR (FHA|USDA|VA) 2 $720,000 $360,000 $9,407 5.44%
BELLINGHAM, WA (FHA|USDA|VA) 2 $720,000 $360,000 $12,434 5.38%
JACKSON, MS (FHA|USDA|VA) 5 $715,000 $143,000 $4,161 5.65%
WICHITA, KS (FHA|USDA|VA) 6 $700,000 $116,667 $5,266 4.92%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 5 $695,000 $139,000 $5,535 4.08%
Fredericksburg, TX (FHA|USDA|VA) 2 $690,000 $345,000 $6,077 5.79%
Red Bluff, CA (FHA|USDA|VA) 2 $690,000 $345,000 $10,825 4.44%
MEDFORD, OR (FHA|USDA|VA) 2 $690,000 $345,000 $8,232 4.88%
HINESVILLE, GA (FHA|USDA|VA) 3 $685,000 $228,333 $10,121 3.92%
Georgetown, SC (FHA|USDA|VA) 2 $660,000 $330,000 $9,826 4.19%
MIDLAND, TX (FHA|USDA|VA) 3 $645,000 $215,000 $10,948 5.29%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $640,000 $320,000 $6,458 6.25%
Henderson, NC (FHA|USDA|VA) 5 $635,000 $127,000 $0 8.22%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $630,000 $315,000 $10,452 6.13%
YUBA CITY, CA (FHA|USDA|VA) 2 $630,000 $315,000 $12,230 5.63%
Nogales, AZ (FHA|USDA|VA) 2 $620,000 $310,000 $8,200 5.56%
LIMA, OH (FHA|USDA|VA) 4 $620,000 $155,000 $6,918 5.59%
Lufkin, TX (FHA|USDA|VA) 2 $620,000 $310,000 $13,521 6.06%
BILLINGS, MT (FHA|USDA|VA) 2 $610,000 $305,000 $5,937 5.69%
Pottsville, PA (FHA|USDA|VA) 6 $610,000 $101,667 $4,833 4.67%
Concord, NH (FHA|USDA|VA) 3 $605,000 $201,667 $3,940 5.83%
Somerset, KY (FHA|USDA|VA) 3 $595,000 $198,333 $5,607 4.54%
CLEVELAND, TN (FHA|USDA|VA) 2 $590,000 $295,000 $15,349 5.56%
Taos, NM (FHA|USDA|VA) 2 $590,000 $295,000 $8,749 5.25%
Aberdeen, WA (FHA|USDA|VA) 3 $585,000 $195,000 $0 4.04%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $575,000 $191,667 $10,518 5.46%
JACKSON, TN (FHA|USDA|VA) 2 $560,000 $280,000 $10,221 4.44%
SUMTER, SC (FHA|USDA|VA) 4 $560,000 $140,000 $4,474 5.75%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $540,000 $135,000 $6,701 5.50%
AMARILLO, TX (FHA|USDA|VA) 3 $525,000 $175,000 $4,476 4.96%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $520,000 $260,000 $13,431 5.56%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $520,000 $260,000 $26,268 4.31%
Blackfoot, ID (FHA|USDA|VA) 1 $515,000 $515,000 $14,314 7.13%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $515,000 $171,667 $3,521 5.54%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $495,000 $165,000 $5,061 4.63%
BAY CITY, MI (FHA|USDA|VA) 6 $490,000 $81,667 $3,910 3.92%
REDDING, CA (FHA|USDA|VA) 2 $490,000 $245,000 $12,205 4.88%
Wooster, OH (FHA|USDA|VA) 2 $480,000 $240,000 $6,185 6.25%
Albemarle, NC (FHA|USDA|VA) 3 $475,000 $158,333 $7,352 3.42%
Durango, CO (FHA|USDA|VA) 1 $475,000 $475,000 $13,467 4.38%
Rochelle, IL (FHA|USDA|VA) 2 $470,000 $235,000 $11,368 5.63%
Palatka, FL (FHA|USDA|VA) 4 $470,000 $117,500 $8,333 5.75%
Marion, OH (FHA|USDA|VA) 3 $465,000 $155,000 $5,905 7.04%
Oak Harbor, WA (FHA|USDA|VA) 1 $465,000 $465,000 $16,015 3.50%
JEFFERSON CITY, MO (FHA|USDA|VA) 3 $455,000 $151,667 $4,027 5.50%
Sedalia, MO (FHA|USDA|VA) 3 $455,000 $151,667 $6,842 4.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $450,000 $112,500 $5,533 5.66%
The Dalles, OR (FHA|USDA|VA) 2 $450,000 $225,000 $5,919 4.13%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $450,000 $225,000 $6,791 5.13%
LUBBOCK, TX (FHA|USDA|VA) 2 $450,000 $225,000 $15,494 6.69%
Bozeman, MT (FHA|USDA|VA) 1 $445,000 $445,000 $0 4.50%
VALDOSTA, GA (FHA|USDA|VA) 3 $445,000 $148,333 $9,345 5.33%
SANTA FE, NM (FHA|USDA|VA) 2 $440,000 $220,000 $6,357 4.44%
Clearlake, CA (FHA|USDA|VA) 2 $430,000 $215,000 $8,159 5.81%
Orangeburg, SC (FHA|USDA|VA) 3 $425,000 $141,667 $3,625 5.17%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $420,000 $210,000 $0 4.77%
Toccoa, GA (FHA|USDA|VA) 2 $420,000 $210,000 $7,302 5.38%
Nacogdoches, TX (FHA|USDA|VA) 2 $420,000 $210,000 $7,508 5.88%
Salem, OH (FHA|USDA|VA) 3 $415,000 $138,333 $7,104 6.17%
Cedar City, UT (FHA|USDA|VA) 1 $415,000 $415,000 $4,065 5.88%
Ukiah, CA (FHA|USDA|VA) 1 $415,000 $415,000 $8,526 4.63%
SPRINGFIELD, IL (FHA|USDA|VA) 4 $410,000 $102,500 $4,594 3.81%
Scottsburg, IN (FHA|USDA|VA) 3 $395,000 $131,667 $2,632 5.04%
Alamogordo, NM (FHA|USDA|VA) 1 $395,000 $395,000 $6,348 7.50%
Ozark, AL (FHA|USDA|VA) 2 $390,000 $195,000 $6,279 4.13%
FLINT, MI (FHA|USDA|VA) 2 $390,000 $195,000 $6,299 5.38%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $385,000 $385,000 $8,067 5.38%
Magnolia, AR (FHA|USDA|VA) 1 $385,000 $385,000 $22,821 7.75%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $385,000 $385,000 $5,728 4.25%
Danville, VA (FHA|USDA|VA) 1 $375,000 $375,000 $12,388 4.25%
BATTLE CREEK, MI (FHA|USDA|VA) 3 $375,000 $125,000 $5,347 5.33%
BOULDER, CO (FHA|USDA|VA) 1 $375,000 $375,000 $0 5.13%
Eagle Pass, TX (FHA|USDA|VA) 2 $370,000 $185,000 $8,729 4.81%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $370,000 $185,000 $8,086 5.63%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $365,000 $121,667 $0 6.46%
GRANTS PASS, OR (FHA|USDA|VA) 1 $365,000 $365,000 $15,742 5.13%
Pahrump, NV (FHA|USDA|VA) 1 $365,000 $365,000 $10,772 6.13%
Bonham, TX (FHA|USDA|VA) 1 $365,000 $365,000 $18,405 3.75%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $360,000 $180,000 $7,571 5.06%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $355,000 $118,333 $3,808 3.63%
Craig, CO (FHA|USDA|VA) 1 $355,000 $355,000 $7,481 3.25%
Fremont, OH (FHA|USDA|VA) 2 $350,000 $175,000 $4,923 5.06%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $350,000 $87,500 $5,526 6.47%
Dublin, GA (FHA|USDA|VA) 2 $350,000 $175,000 $4,807 5.69%
Safford, AZ (FHA|USDA|VA) 1 $345,000 $345,000 $0 7.99%
Dayton, TN (FHA|USDA|VA) 1 $345,000 $345,000 $4,053 5.25%
SALINAS, CA (FHA|USDA|VA) 1 $345,000 $345,000 $17,839 5.63%
Mount Vernon, OH (FHA|USDA|VA) 1 $345,000 $345,000 $18,589 4.50%
GOLDSBORO, NC (FHA|USDA|VA) 2 $340,000 $170,000 $6,093 3.81%
Sikeston, MO (FHA|USDA|VA) 2 $340,000 $170,000 $8,593 6.75%
Greensburg, IN (FHA|USDA|VA) 2 $340,000 $170,000 $5,259 4.31%
Cullman, AL (FHA|USDA|VA) 2 $340,000 $170,000 $5,899 4.63%
JONESBORO, AR (FHA|USDA|VA) 3 $335,000 $111,667 $0 5.92%
WILMINGTON, NC (FHA|USDA|VA) 3 $335,000 $111,667 $4,395 5.17%
MADERA, CA (FHA|USDA|VA) 1 $335,000 $335,000 $17,685 5.25%
Carlsbad-Artesia, NM (FHA|USDA|VA) 2 $330,000 $165,000 $8,700 5.50%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $330,000 $165,000 $5,639 6.03%
Zanesville, OH (FHA|USDA|VA) 3 $325,000 $108,333 $5,347 4.21%
MUSKEGON, MI (FHA|USDA|VA) 1 $325,000 $325,000 $20,211 4.25%
Fernley, NV (FHA|USDA|VA) 1 $325,000 $325,000 $18,703 3.63%
DOVER, DE (FHA|USDA|VA) 1 $325,000 $325,000 $9,707 6.13%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $320,000 $160,000 $7,910 4.38%
Marion, IN (FHA|USDA|VA) 2 $320,000 $160,000 $4,618 6.25%
Union City, TN (FHA|USDA|VA) 1 $315,000 $315,000 $6,789 5.88%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $315,000 $315,000 $17,147 3.25%
COLUMBIA, MO (FHA|USDA|VA) 1 $315,000 $315,000 $17,453 3.25%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $315,000 $315,000 $0 8.55%
Urbana, OH (FHA|USDA|VA) 3 $315,000 $105,000 $5,345 3.58%
JOPLIN, MO (FHA|USDA|VA) 2 $310,000 $155,000 $6,512 6.13%
Traverse City, MI (FHA|USDA|VA) 2 $310,000 $155,000 $5,090 3.50%
Rexburg, ID (FHA|USDA|VA) 1 $305,000 $305,000 $10,476 6.00%
Cambridge, MD (FHA|USDA|VA) 1 $305,000 $305,000 $7,614 4.00%
BRUNSWICK, GA (FHA|USDA|VA) 2 $300,000 $150,000 $5,966 4.19%
Alma, MI (FHA|USDA|VA) 4 $300,000 $75,000 $4,410 4.66%
TYLER, TX (FHA|USDA|VA) 1 $295,000 $295,000 $7,409 6.13%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $295,000 $295,000 $9,864 4.88%
Riverton, WY (FHA|USDA|VA) 1 $295,000 $295,000 $4,207 6.13%
Rockport, TX (FHA|USDA|VA) 1 $295,000 $295,000 $7,627 6.50%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $290,000 $145,000 $8,163 5.38%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $285,000 $285,000 $11,521 5.50%
Tupelo, MS (FHA|USDA|VA) 2 $280,000 $140,000 $0 6.63%
Gainesville, TX (FHA|USDA|VA) 2 $280,000 $140,000 $5,594 4.25%
Branson, MO (FHA|USDA|VA) 2 $280,000 $140,000 $3,126 6.38%
Ardmore, OK (FHA|USDA|VA) 2 $280,000 $140,000 $4,860 5.31%
CHICO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $10,655 4.25%
Farmington, MO (FHA|USDA|VA) 3 $275,000 $91,667 $4,935 3.29%
Albertville, AL (FHA|USDA|VA) 1 $275,000 $275,000 $3,882 4.13%
Whitewater, WI (FHA|USDA|VA) 2 $270,000 $135,000 $6,499 7.75%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $270,000 $135,000 $5,986 4.81%
Del Rio, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,240 3.75%
Klamath Falls, OR (FHA|USDA|VA) 1 $265,000 $265,000 $14,155 6.63%
PEORIA, IL (FHA|USDA|VA) 2 $260,000 $130,000 $3,925 4.31%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $260,000 $130,000 $4,475 6.75%
Sandpoint, ID (FHA|USDA|VA) 1 $255,000 $255,000 $8,957 4.63%
Tifton, GA (FHA|USDA|VA) 1 $255,000 $255,000 $5,156 5.25%
Port Angeles, WA (FHA|USDA|VA) 1 $255,000 $255,000 $5,239 4.88%
Van Wert, OH (FHA|USDA|VA) 1 $255,000 $255,000 $14,936 4.75%
Hillsdale, MI (FHA|USDA|VA) 3 $255,000 $85,000 $3,962 3.88%
Scottsboro, AL (FHA|USDA|VA) 1 $255,000 $255,000 $7,001 5.25%
Statesboro, GA (FHA|USDA|VA) 2 $250,000 $125,000 $5,025 5.13%
Campbellsville, KY (FHA|USDA|VA) 2 $250,000 $125,000 $4,298 4.25%
Brenham, TX (FHA|USDA|VA) 1 $245,000 $245,000 $14,494 5.63%
Jacksonville, TX (FHA|USDA|VA) 1 $245,000 $245,000 $14,626 6.88%
Coos Bay, OR (FHA|USDA|VA) 1 $245,000 $245,000 $6,212 4.13%
MONTGOMERY, AL (FHA|USDA|VA) 3 $245,000 $81,667 $6,185 6.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $245,000 $245,000 $13,978 5.63%
EL CENTRO, CA (FHA|USDA|VA) 1 $245,000 $245,000 $8,806 3.50%
BECKLEY, WV (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.63%
Marshall, MO (FHA|USDA|VA) 2 $240,000 $120,000 $5,795 4.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $240,000 $120,000 $6,013 5.81%
McMinnville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $7,327 5.00%
Huntsville, TX (FHA|USDA|VA) 1 $235,000 $235,000 $14,634 5.50%
Athens, TX (FHA|USDA|VA) 1 $235,000 $235,000 $8,559 5.38%
Hannibal, MO (FHA|USDA|VA) 1 $235,000 $235,000 $6,056 7.13%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $235,000 $235,000 $13,633 5.38%
Plymouth, IN (FHA|USDA|VA) 2 $230,000 $115,000 $4,347 3.63%
Cullowhee, NC (FHA|USDA|VA) 1 $225,000 $225,000 $9,935 5.88%
LYNCHBURG, VA (FHA|USDA|VA) 1 $225,000 $225,000 $8,605 4.38%
Forest City, NC (FHA|USDA|VA) 1 $225,000 $225,000 $8,215 6.63%
ROANOKE, VA (FHA|USDA|VA) 1 $225,000 $225,000 $3,880 5.50%
Bay City, TX (FHA|USDA|VA) 2 $220,000 $110,000 $5,398 7.50%
Bardstown, KY (FHA|USDA|VA) 2 $220,000 $110,000 $4,665 3.44%
ERIE, PA (FHA|USDA|VA) 3 $215,000 $71,667 $0 7.42%
MERCED, CA (FHA|USDA|VA) 1 $215,000 $215,000 $11,738 3.75%
Keene, NH (FHA|USDA|VA) 1 $215,000 $215,000 $16,526 7.25%
Crossville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $7,440 3.25%
McAlester, OK (FHA|USDA|VA) 2 $210,000 $105,000 $0 5.31%
Eufaula, AL-GA (FHA|USDA|VA) 2 $210,000 $105,000 $4,633 2.38%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $210,000 $105,000 $0 6.50%
Harrison, AR (FHA|USDA|VA) 1 $205,000 $205,000 $263 7.63%
Salina, KS (FHA|USDA|VA) 1 $205,000 $205,000 $1,220 5.00%
TOPEKA, KS (FHA|USDA|VA) 1 $205,000 $205,000 $7,842 3.75%
COLUMBUS, IN (FHA|USDA|VA) 1 $205,000 $205,000 $6,253 4.38%
Deming, NM (FHA|USDA|VA) 1 $205,000 $205,000 $12,252 4.63%
Lewisburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $10,137 5.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $195,000 $65,000 $1,941 4.75%
NILES, MI (FHA|USDA|VA) 1 $195,000 $195,000 $10,915 5.63%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $185,000 $185,000 $9,456 4.13%
Wilson, NC (FHA|USDA|VA) 1 $185,000 $185,000 $5,323 4.38%
KOKOMO, IN (FHA|USDA|VA) 1 $185,000 $185,000 $6,145 7.25%
Middlesborough, KY (FHA|USDA|VA) 1 $185,000 $185,000 $9,094 5.25%
Columbus, MS (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.13%
ABILENE, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,074 4.50%
Cordele, GA (FHA|USDA|VA) 1 $175,000 $175,000 $5,633 5.88%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $175,000 $175,000 $10,142 5.63%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,983 4.13%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $165,000 $165,000 $7,154 5.63%
North Wilkesboro, NC (FHA|USDA|VA) 1 $165,000 $165,000 $11,701 4.50%
Hays, KS (FHA|USDA|VA) 1 $155,000 $155,000 $11,768 6.63%
El Campo, TX (FHA|USDA|VA) 1 $155,000 $155,000 $7,124 5.63%
BANGOR, ME (FHA|USDA|VA) 1 $155,000 $155,000 $9,342 6.13%
Coldwater, MI (FHA|USDA|VA) 1 $155,000 $155,000 $6,845 5.63%
MADISON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $6,686 6.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $150,000 $75,000 $2,743 3.88%
LAWRENCE, KS (FHA|USDA|VA) 1 $145,000 $145,000 $6,016 4.38%
Washington Court House, OH (FHA|USDA|VA) 1 $145,000 $145,000 $726 4.75%
Shelbyville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $4,817 5.00%
Susanville, CA (FHA|USDA|VA) 1 $135,000 $135,000 $6,138 2.75%
Douglas, GA (FHA|USDA|VA) 1 $135,000 $135,000 $5,677 4.13%
Ada, OK (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.50%
Meridian, MS (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.13%
Ashtabula, OH (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.63%
Lumberton, NC (FHA|USDA|VA) 1 $135,000 $135,000 $6,868 6.13%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.69%
Duncan, OK (FHA|USDA|VA) 1 $125,000 $125,000 $5,129 6.50%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $120,000 $60,000 $2,828 7.75%
GADSDEN, AL (FHA|USDA|VA) 2 $120,000 $60,000 $2,889 7.25%
HAMMOND, LA (FHA|USDA|VA) 1 $115,000 $115,000 $3,770 5.63%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $115,000 $115,000 $7,295 5.50%
Maysville, KY (FHA|USDA|VA) 1 $115,000 $115,000 $4,530 6.63%
Ashland, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,653 5.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.75%
Americus, GA (FHA|USDA|VA) 1 $115,000 $115,000 $5,682 4.88%
Liberal, KS (FHA|USDA|VA) 1 $115,000 $115,000 $6,193 5.13%
Brownwood, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,365 4.63%
Frankfort, IN (FHA|USDA|VA) 1 $105,000 $105,000 $7,009 4.13%
Jasper, AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.75%
Mount Airy, NC (FHA|USDA|VA) 1 $95,000 $95,000 $3,700 5.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $95,000 $95,000 $4,611 4.13%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.13%
Decatur, IN (FHA|USDA|VA) 1 $95,000 $95,000 $5,427 4.88%
Mayfield, KY (FHA|USDA|VA) 1 $95,000 $95,000 $5,882 5.13%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $85,000 $85,000 $5,297 7.13%
ANCHORAGE, AK (FHA|USDA|VA) 1 $85,000 $85,000 $5,878 5.88%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $85,000 $85,000 $4,663 5.13%
DOTHAN, AL (FHA|USDA|VA) 1 $85,000 $85,000 $3,404 7.13%
Port Lavaca, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,050 5.63%
Newport, TN (FHA|USDA|VA) 1 $85,000 $85,000 $5,231 4.25%
Adrian, MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.13%
Beeville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.88%
Outside of Metro Areas 1 $75,000 $75,000 $5,070 4.25%
Ottawa, KS (FHA|USDA|VA) 1 $75,000 $75,000 $7,894 7.25%
Ottawa, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,192 5.50%
Peru, IN (FHA|USDA|VA) 1 $65,000 $65,000 $1,950 5.13%
West Point, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.63%
DANVILLE, IL (FHA|USDA|VA) 1 $55,000 $55,000 $3,296 5.13%
Geneva Financial's top markets include Phoenix, Dallas, Miami, Seattle, and Portland among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,605 $1,243,295,000 $269,988 $7,238 5.17%
    FHA 1,910 $504,140,000 $263,948 $12,429 5.28%
    VA 454 $167,920,000 $369,868 $11,368 5.08%
    USDA 182 $32,450,000 $178,297 $6,831 4.96%
    HELOC 57 $19,785,000 $347,105 n/a 6.40%

    For 2022, Geneva Financial's most frequently originated type of loan was Conventional, with 4,605 originations. Their 2nd most popular type was FHA, with 1,910 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,608 $1,550,730,000 $276,521 $9,072 5.27%
    Cash Out Refi 1,259 $328,345,000 $260,798 $9,081 5.07%
    Refi 341 $88,515,000 $259,575 $7,833 4.43%

    For 2022, Geneva Financial's most frequently cited loan purpose was Home Purchase, with 5,608 originations. The 2nd most popular reason was Cash Out Refi, with 1,259 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,823 $1,914,215,000 $280,553 $9,321 5.26%
    15 Year 150 $30,250,000 $201,667 $5,979 4.01%
    10 Year 141 $2,335,000 $16,560 $298 4.77%
    20 Year 49 $9,545,000 $194,796 $6,148 4.26%
    Other 27 $2,815,000 $104,259 $3,763 1.93%
    30+ year 7 $8,325,000 $1,189,286 $61,079 7.59%
    3 Year 6 $70,000 $11,667 $50 0.00%
    5 Year 5 $35,000 $7,000 $0 0.00%

    For 2022, Geneva Financial's most frequently cited loan duration was 30 Year, with 6,823 originations. The 2nd most popular length was 15 Year, with 150 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,761 $994,395,000 $360,158
    $1k-2k 1,043 $259,925,000 $249,209
    $3k-4k 915 $198,245,000 $216,661
    $2k-3k 863 $185,925,000 $215,440
    $4k-5k 853 $210,895,000 $247,239
    $<1k 587 $74,855,000 $127,521

    Geneva Financial's average total fees were $9,321, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,761 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2,338 $670,690,000 $286,865
    4-5% 1,571 $460,105,000 $292,874
    6-7% 1,388 $362,480,000 $261,153
    3-4% 1,076 $304,950,000 $283,411
    7-8% 429 $119,265,000 $278,007
    <2.5% 212 $3,930,000 $18,538
    Over 8% 121 $25,305,000 $209,132
    2.5-3% 73 $20,865,000 $285,822

    During 2022, Geneva Financial's average interest rate for loans was 5.26%, while their most frequently originated rate bucket for loans was 5-6%, with 2,338 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,394 $976,460,000 $287,702 $9,843 5.29%
    $100k-200k 1,946 $300,750,000 $154,548 $6,294 5.39%
    $400k-600k 927 $439,525,000 $474,137 $12,887 5.26%
    $100,000 or less 666 $32,020,000 $48,078 $2,003 4.03%
    $600k-1MM 230 $158,690,000 $689,957 $16,734 5.29%
    $1MM+ 45 $60,145,000 $1,336,556 $27,039 5.46%

    2022 saw Geneva Financial place emphasis on $200k-400k loans with 3,394 originations, totaling $976,460,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,918 $424,460,000 $221,303 $8,254 5.03%
    $100k-150k 1,538 $482,270,000 $313,570 $10,086 5.37%
    $75k-100k 1,488 $408,150,000 $274,294 $9,543 5.19%
    $50k or less 1,108 $167,250,000 $150,948 $6,000 4.89%
    $150k-250k 760 $295,720,000 $389,105 $11,332 5.49%
    $250k+ 331 $174,805,000 $528,112 $13,091 5.55%

    Geneva Financial lent most frequently to those with incomes in the $50k-75k range, with 1,918 originations. The second most popular income band? $100k-150k, with 1,538 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,057 $279,105,000 $264,054 $7,836 5.12%
    20-30% 861 $219,595,000 $255,046 $7,646 5.09%
    50-60% 741 $221,505,000 $298,927 $12,865 5.19%
    44% 423 $122,085,000 $288,617 $9,577 5.29%
    42% 361 $106,465,000 $294,917 $9,343 5.30%
    49% 324 $96,740,000 $298,580 $10,037 5.41%
    <20% 322 $78,820,000 $244,783 $6,924 5.41%
    40% 317 $81,365,000 $256,672 $8,159 5.23%
    43% 313 $85,115,000 $271,933 $8,426 5.19%
    45% 309 $82,515,000 $267,039 $9,200 5.24%
    41% 300 $75,280,000 $250,933 $7,460 5.04%
    46% 292 $81,830,000 $280,240 $9,733 5.33%
    39% 289 $78,955,000 $273,201 $8,329 5.12%
    48% 279 $85,965,000 $308,118 $10,033 5.23%
    47% 260 $77,560,000 $298,308 $10,365 5.24%
    37% 252 $63,070,000 $250,278 $7,718 4.95%
    36% 241 $62,615,000 $259,813 $8,374 5.29%
    38% 231 $57,435,000 $248,636 $8,101 5.17%
    >60% 36 $11,570,000 $321,389 $9,117 5.41%

    Geneva Financial lent most frequently to those with DTI ratios of 30-36%, with 1,057 originations. The next most common DTI ratio? 20-30%, with 861 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,448 $1,481,150,000 $271,870 $8,762 5.16%
    Not provided 737 $209,855,000 $284,742 $9,916 5.25%
    Black 687 $180,985,000 $263,443 $9,984 5.25%
    Asian 266 $78,640,000 $295,639 $9,395 5.67%
    American Indian 50 $12,780,000 $255,600 $9,356 5.10%
    Native Hawaiian or Islander 9 $2,315,000 $257,222 $9,292 5.36%
    Japanese 5 $1,235,000 $247,000 $0 4.63%
    Asian Indian 5 $565,000 $113,000 $0 5.90%
    Filipino 1 $65,000 $65,000 $0 6.50%

    Approval Rates

    Total approvals of all applications
    97.39%

    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
    55.52%

    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
    15947.88 1 $185,000 $185,000
    NA 7,207 $1,967,405,000 $272,985

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,208 $1,967,590,000 $272,973

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 160 $28,710,000 $179,438 $6,016 4.87%
    40-60% 613 $148,325,000 $241,966 $7,338 4.96%
    60-80% 2,059 $579,525,000 $281,459 $9,032 5.35%
    80-100% 3,980 $1,176,750,000 $295,666 $9,918 5.39%
    Over 100% 66 $28,550,000 $432,576 $19,470 5.26%
    Under 20% 330 $5,730,000 $17,364 $306 2.52%