American Financial Resources Mortgage Rates, Fees & Info

Parsippany-Troy Hills, NJ

LEI: 5493002B2WMHY23GFK92

Tax ID: 22-3554558

2.8 stars - Updated: 12/17/24 - out of 5 stars, based on 50 reviews

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

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Mortgage Data

Review & Overview

American Financial Resources is a smaller mortgage company specializing in Home Purchase loans. They have a a high proportion of FHA loans. American Financial Resources has an average proportion of conventional loans. Their top markets by origination volume include: New York, Atlanta, Houston, Phoenix, and Tampa among others. We have data for 463 markets. (Some data included below & more in-depth data is available with an active subscription.)

American Financial Resources has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. American Financial Resources 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
30 Year Conventional Purchase 7.25% 12/17/24
30 Year Conventional Refi 6.75% 12/17/24
30 Year Cash-out Refi 6.68% 12/17/24
30 Year FHA Purchase 8.08% 12/17/24
30 Year FHA Refi 7.45% 12/17/24
30 Year VA Purchase 6.76% 12/17/24
30 Year VA Refi 6.10% 12/17/24
30 Year USDA Purchase 7.01% 12/17/24
30 Year USDA Refi 6.43% 12/17/24
15 Year Conventional Purchase 6.90% 12/17/24
15 Year Conventional Refi 6.52% 12/17/24
15 Year Cash-out Refi 6.52% 12/17/24
15 Year FHA Purchase 7.67% 12/17/24
15 Year FHA Refi 7.03% 12/17/24
15 Year VA Purchase 6.46% 12/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

American Financial Resources Mortgage Calculator






Your Estimates

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

This is not an official calculator from American Financial Resources. 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

2,473

Origination Dollar Volume (All Markets)

$607,445,000
Show all (9) awards

Relative Rate

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

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

This yields a difference of 0.21%.

Relative Fees (Closing Costs)

American Financial Resources's average total fees/closing costs for a 30 year fixed rate mortgage were $10,663.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

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

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 299 $59,875,000 $200,251 $9,067 6.58%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 50 $23,540,000 $470,800 $22,185 6.62%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 48 $16,010,000 $333,542 $12,094 6.72%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 36 $11,120,000 $308,889 $15,254 6.60%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 32 $10,600,000 $331,250 $11,669 6.77%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 38 $10,390,000 $273,421 $13,718 6.44%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 30 $9,960,000 $332,000 $12,603 6.62%
KNOXVILLE, TN (FHA|USDA|VA) 48 $9,690,000 $201,875 $9,547 6.49%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 29 $9,615,000 $331,552 $16,682 6.59%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 22 $9,460,000 $430,000 $16,137 6.45%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 34 $8,950,000 $263,235 $11,418 7.04%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 35 $8,075,000 $230,714 $8,844 6.29%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 32 $7,110,000 $222,188 $9,753 6.24%
JACKSONVILLE, FL (FHA|USDA|VA) 29 $6,835,000 $235,690 $10,430 6.69%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 28 $6,680,000 $238,571 $12,649 6.31%
LOUISVILLE, KY (FHA|USDA|VA) 29 $6,625,000 $228,448 $9,880 7.13%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 24 $6,470,000 $269,583 $13,419 6.69%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 22 $6,230,000 $283,182 $11,844 6.45%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 20 $5,920,000 $296,000 $10,607 6.63%
ASHEVILLE, NC (FHA|USDA|VA) 22 $5,760,000 $261,818 $12,882 6.22%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 10 $5,570,000 $557,000 $11,258 6.28%
LAFAYETTE, LA (FHA|USDA|VA) 28 $5,480,000 $195,714 $9,026 6.74%
MORRISTOWN, TN (FHA|USDA|VA) 22 $5,410,000 $245,909 $10,396 6.18%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 11 $5,325,000 $484,091 $13,141 6.72%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 11 $5,025,000 $456,818 $13,080 6.84%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 13 $5,015,000 $385,769 $16,301 6.62%
RICHMOND, VA (FHA|USDA|VA) 17 $4,885,000 $287,353 $13,661 6.24%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 14 $4,870,000 $347,857 $12,748 6.14%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $4,595,000 $353,462 $13,164 6.34%
KANSAS CITY, MO-KS (FHA|USDA|VA) 17 $4,505,000 $265,000 $7,163 6.76%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 17 $4,325,000 $254,412 $10,466 6.18%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 7 $4,035,000 $576,429 $18,761 6.57%
COLUMBUS, OH (FHA|USDA|VA) 15 $4,005,000 $267,000 $11,520 6.81%
GAINESVILLE, FL (FHA|USDA|VA) 15 $3,895,000 $259,667 $8,841 6.58%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 19 $3,875,000 $203,947 $8,460 7.01%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 22 $3,780,000 $171,818 $9,164 6.28%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $3,570,000 $297,500 $14,544 6.49%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 11 $3,565,000 $324,091 $17,275 6.24%
COLUMBIA, SC (FHA|USDA|VA) 15 $3,445,000 $229,667 $11,152 6.71%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 15 $3,405,000 $227,000 $11,922 5.99%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 10 $3,370,000 $337,000 $9,732 6.68%
OCALA, FL (FHA|USDA|VA) 16 $3,180,000 $198,750 $7,656 6.98%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 18 $3,130,000 $173,889 $9,053 6.77%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 14 $3,100,000 $221,429 $11,974 6.96%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 11 $3,035,000 $275,909 $11,651 6.52%
BATON ROUGE, LA (FHA|USDA|VA) 13 $2,885,000 $221,923 $9,891 6.54%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 15 $2,825,000 $188,333 $6,708 6.57%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $2,655,000 $531,000 $13,009 5.60%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $2,645,000 $377,857 $15,746 6.05%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $2,640,000 $264,000 $11,920 6.66%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 12 $2,610,000 $217,500 $9,308 6.94%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $2,565,000 $513,000 $11,249 6.03%
LYNCHBURG, VA (FHA|USDA|VA) 12 $2,470,000 $205,833 $9,478 6.16%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $2,450,000 $612,500 $39,569 6.41%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $2,405,000 $481,000 $9,566 7.08%
DOTHAN, AL (FHA|USDA|VA) 16 $2,400,000 $150,000 $6,895 7.16%
PITTSBURGH, PA (FHA|USDA|VA) 9 $2,365,000 $262,778 $12,732 6.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 12 $2,310,000 $192,500 $7,912 7.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 8 $2,300,000 $287,500 $11,704 6.89%
WILMINGTON, NC (FHA|USDA|VA) 11 $2,295,000 $208,636 $13,515 6.35%
Payson, AZ (FHA|USDA|VA) 9 $2,285,000 $253,889 $9,853 6.78%
TUSCALOOSA, AL (FHA|USDA|VA) 9 $2,255,000 $250,556 $11,283 6.75%
FRESNO, CA (FHA|USDA|VA) 7 $2,235,000 $319,286 $12,540 6.82%
SALT LAKE CITY, UT (FHA|USDA|VA) 5 $2,145,000 $429,000 $16,982 6.83%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $2,130,000 $355,000 $10,629 5.77%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $2,090,000 $522,500 $18,815 5.19%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 6 $2,030,000 $338,333 $16,270 6.63%
LAKE CHARLES, LA (FHA|USDA|VA) 10 $2,030,000 $203,000 $7,809 7.24%
Sevierville, TN (FHA|USDA|VA) 8 $2,010,000 $251,250 $8,057 6.91%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $1,960,000 $196,000 $11,405 6.10%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $1,855,000 $265,000 $10,736 6.86%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 6 $1,850,000 $308,333 $10,401 6.65%
Palatka, FL (FHA|USDA|VA) 10 $1,850,000 $185,000 $11,247 6.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $1,820,000 $182,000 $8,174 6.73%
MEDFORD, OR (FHA|USDA|VA) 6 $1,800,000 $300,000 $14,022 5.79%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 8 $1,790,000 $223,750 $9,056 6.42%
ALBUQUERQUE, NM (FHA|USDA|VA) 7 $1,785,000 $255,000 $6,838 6.70%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 7 $1,775,000 $253,571 $6,480 6.43%
Lake City, FL (FHA|USDA|VA) 11 $1,755,000 $159,545 $7,053 6.89%
Athens, TN (FHA|USDA|VA) 8 $1,730,000 $216,250 $9,349 6.89%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $1,695,000 $339,000 $13,819 6.63%
Dayton, TN (FHA|USDA|VA) 7 $1,615,000 $230,714 $10,222 6.95%
Plattsburgh, NY (FHA|USDA|VA) 11 $1,585,000 $144,091 $9,981 6.82%
GREELEY, CO (FHA|USDA|VA) 5 $1,555,000 $311,000 $13,403 6.63%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,540,000 $770,000 $41,060 6.56%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 8 $1,530,000 $191,250 $7,821 5.83%
Fort Leonard Wood, MO (FHA|USDA|VA) 7 $1,515,000 $216,429 $5,166 6.32%
WORCESTER, MA-CT (FHA|USDA|VA) 5 $1,515,000 $303,000 $14,007 7.10%
JOHNSON CITY, TN (FHA|USDA|VA) 7 $1,485,000 $212,143 $7,000 6.77%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $1,475,000 $491,667 $10,766 6.04%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $1,465,000 $293,000 $2,247 6.65%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,455,000 $291,000 $9,410 7.33%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,450,000 $362,500 $18,949 7.09%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 7 $1,445,000 $206,429 $10,188 5.98%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,445,000 $481,667 $22,728 6.25%
ROCHESTER, NY (FHA|USDA|VA) 9 $1,435,000 $159,444 $6,882 6.53%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 5 $1,375,000 $275,000 $8,517 6.45%
ST. GEORGE, UT (FHA|USDA|VA) 3 $1,375,000 $458,333 $22,054 6.92%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,350,000 $337,500 $13,093 7.00%
SALEM, OR (FHA|USDA|VA) 3 $1,325,000 $441,667 $14,799 6.33%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,305,000 $261,000 $12,741 5.88%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $1,290,000 $322,500 $12,389 6.34%
ALEXANDRIA, LA (FHA|USDA|VA) 6 $1,260,000 $210,000 $5,999 6.85%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $1,240,000 $310,000 $6,898 6.44%
Orangeburg, SC (FHA|USDA|VA) 6 $1,240,000 $206,667 $7,609 6.48%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,235,000 $176,429 $8,867 6.93%
Gloversville, NY (FHA|USDA|VA) 8 $1,230,000 $153,750 $3,710 7.02%
TUCSON, AZ (FHA|USDA|VA) 6 $1,210,000 $201,667 $11,165 6.98%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,190,000 $198,333 $7,333 6.79%
DeRidder, LA (FHA|USDA|VA) 7 $1,165,000 $166,429 $6,404 7.18%
Fernley, NV (FHA|USDA|VA) 4 $1,150,000 $287,500 $13,064 7.03%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 6 $1,140,000 $190,000 $10,755 6.71%
ROANOKE, VA (FHA|USDA|VA) 6 $1,130,000 $188,333 $9,700 6.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 6 $1,120,000 $186,667 $7,954 7.46%
Elizabeth City, NC (FHA|USDA|VA) 5 $1,115,000 $223,000 $10,375 6.05%
Key West, FL (FHA|USDA|VA) 2 $1,110,000 $555,000 $18,637 6.88%
BELLINGHAM, WA (FHA|USDA|VA) 2 $1,100,000 $550,000 $16,338 5.44%
Coos Bay, OR (FHA|USDA|VA) 3 $1,095,000 $365,000 $13,716 6.17%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $1,085,000 $361,667 $6,577 5.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $1,080,000 $270,000 $9,867 6.53%
AKRON, OH (FHA|USDA|VA) 3 $1,075,000 $358,333 $0 7.58%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 6 $1,070,000 $178,333 $8,760 6.48%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 6 $1,060,000 $176,667 $9,943 6.58%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,060,000 $176,667 $7,881 6.19%
MONTGOMERY, AL (FHA|USDA|VA) 7 $1,005,000 $143,571 $5,786 6.59%
Tullahoma-Manchester, TN (FHA|USDA|VA) 4 $980,000 $245,000 $14,096 6.06%
Tupelo, MS (FHA|USDA|VA) 8 $970,000 $121,250 $7,609 6.73%
GLENS FALLS, NY (FHA|USDA|VA) 6 $960,000 $160,000 $6,364 7.27%
FLINT, MI (FHA|USDA|VA) 6 $950,000 $158,333 $8,536 7.25%
Okeechobee, FL (FHA|USDA|VA) 5 $945,000 $189,000 $10,744 6.40%
ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $930,000 $155,000 $7,678 6.98%
HAMMOND, LA (FHA|USDA|VA) 4 $930,000 $232,500 $0 6.41%
Hermiston-Pendleton, OR (FHA|USDA|VA) 3 $925,000 $308,333 $0 6.46%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $915,000 $183,000 $6,913 6.63%
STOCKTON, CA (FHA|USDA|VA) 2 $890,000 $445,000 $13,813 5.63%
UTICA-ROME, NY (FHA|USDA|VA) 7 $885,000 $126,429 $0 7.14%
Sunbury, PA (FHA|USDA|VA) 10 $880,000 $88,000 $7,166 6.39%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $880,000 $220,000 $8,558 7.09%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $875,000 $175,000 $9,962 6.68%
CHARLESTON, WV (FHA|USDA|VA) 6 $850,000 $141,667 $7,963 6.65%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $845,000 $281,667 $11,447 6.54%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 6 $840,000 $140,000 $8,398 6.73%
GAINESVILLE, GA (FHA|USDA|VA) 2 $840,000 $420,000 $17,364 6.13%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $830,000 $207,500 $4,489 6.94%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $825,000 $275,000 $13,035 6.50%
MONROE, LA (FHA|USDA|VA) 6 $820,000 $136,667 $8,036 7.42%
WACO, TX (FHA|USDA|VA) 4 $820,000 $205,000 $7,956 6.69%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 6 $810,000 $135,000 $7,801 6.90%
Clearlake, CA (FHA|USDA|VA) 3 $805,000 $268,333 $7,735 6.00%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $805,000 $268,333 $6,124 6.42%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $800,000 $200,000 $8,690 6.66%
Ozark, AL (FHA|USDA|VA) 4 $790,000 $197,500 $4,928 6.78%
Richmond, IN (FHA|USDA|VA) 6 $790,000 $131,667 $6,749 7.21%
The Dalles, OR (FHA|USDA|VA) 2 $780,000 $390,000 $16,891 5.88%
HOT SPRINGS, AR (FHA|USDA|VA) 5 $775,000 $155,000 $5,074 7.18%
Jennings, LA (FHA|USDA|VA) 3 $775,000 $258,333 $0 6.58%
Crescent City, CA (FHA|USDA|VA) 2 $770,000 $385,000 $7,023 5.63%
Mount Airy, NC (FHA|USDA|VA) 5 $755,000 $151,000 $5,858 6.90%
Greeneville, TN (FHA|USDA|VA) 4 $750,000 $187,500 $10,596 6.66%
Augusta-Waterville, ME (FHA|USDA|VA) 4 $740,000 $185,000 $10,782 6.91%
Bardstown, KY (FHA|USDA|VA) 4 $730,000 $182,500 $8,308 7.22%
Troy, AL (FHA|USDA|VA) 3 $725,000 $241,667 $7,865 6.83%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $720,000 $360,000 $0 7.31%
Amsterdam, NY (FHA|USDA|VA) 6 $710,000 $118,333 $0 7.25%
PUEBLO, CO (FHA|USDA|VA) 3 $705,000 $235,000 $8,988 6.29%
THE VILLAGES, FL (FHA|USDA|VA) 2 $700,000 $350,000 $15,840 6.31%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $695,000 $231,667 $16,447 6.58%
Fort Polk South, LA (FHA|USDA|VA) 4 $690,000 $172,500 $7,237 7.06%
Rolla, MO (FHA|USDA|VA) 3 $685,000 $228,333 $5,335 6.21%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $685,000 $228,333 $8,453 6.75%
MADERA, CA (FHA|USDA|VA) 2 $680,000 $340,000 $14,176 7.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $680,000 $170,000 $10,599 6.66%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $675,000 $675,000 $0 5.25%
JACKSONVILLE, NC (FHA|USDA|VA) 4 $670,000 $167,500 $8,405 6.47%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $665,000 $221,667 $8,081 6.08%
Calhoun, GA (FHA|USDA|VA) 3 $655,000 $218,333 $8,873 6.42%
VISALIA, CA (FHA|USDA|VA) 1 $655,000 $655,000 $0 6.75%
Brevard, NC (FHA|USDA|VA) 3 $655,000 $218,333 $14,979 4.96%
Gaffney, SC (FHA|USDA|VA) 2 $650,000 $325,000 $8,639 6.75%
Ashtabula, OH (FHA|USDA|VA) 3 $645,000 $215,000 $6,667 6.83%
DALTON, GA (FHA|USDA|VA) 3 $645,000 $215,000 $5,142 7.08%
Alexander City, AL (FHA|USDA|VA) 5 $645,000 $129,000 $6,680 7.23%
Shelby, NC (FHA|USDA|VA) 2 $640,000 $320,000 $19,510 6.50%
CLEVELAND, TN (FHA|USDA|VA) 2 $640,000 $320,000 $0 7.13%
Meadville, PA (FHA|USDA|VA) 6 $640,000 $106,667 $6,626 6.52%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $635,000 $211,667 $12,970 5.88%
Danville, VA (FHA|USDA|VA) 5 $635,000 $127,000 $4,996 6.63%
Hobbs, NM (FHA|USDA|VA) 4 $630,000 $157,500 $10,715 6.63%
REDDING, CA (FHA|USDA|VA) 1 $625,000 $625,000 $0 6.75%
Paragould, AR (FHA|USDA|VA) 4 $620,000 $155,000 $3,635 6.59%
CaƱon City, CO (FHA|USDA|VA) 2 $620,000 $310,000 $2,633 7.06%
Show Low, AZ (FHA|USDA|VA) 2 $610,000 $305,000 $7,149 6.19%
SALINAS, CA (FHA|USDA|VA) 1 $605,000 $605,000 $31,374 5.63%
RENO, NV (FHA|USDA|VA) 2 $600,000 $300,000 $13,438 6.44%
MOBILE, AL (FHA|USDA|VA) 2 $600,000 $300,000 $4,650 6.25%
FLORENCE, SC (FHA|USDA|VA) 4 $600,000 $150,000 $12,182 7.09%
TEXARKANA, TX-AR (FHA|USDA|VA) 3 $575,000 $191,667 $8,098 6.38%
MUSKEGON, MI (FHA|USDA|VA) 2 $570,000 $285,000 $6,633 7.38%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $570,000 $142,500 $5,002 7.25%
TERRE HAUTE, IN (FHA|USDA|VA) 4 $560,000 $140,000 $5,711 6.97%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $560,000 $280,000 $6,016 6.69%
ST. CLOUD, MN (FHA|USDA|VA) 2 $560,000 $280,000 $7,254 5.50%
Jefferson, GA (FHA|USDA|VA) 2 $550,000 $275,000 $10,352 7.75%
LONGVIEW, TX (FHA|USDA|VA) 2 $550,000 $275,000 $0 6.38%
RAPID CITY, SD (FHA|USDA|VA) 2 $540,000 $270,000 $8,120 6.38%
BANGOR, ME (FHA|USDA|VA) 4 $540,000 $135,000 $7,067 7.47%
Centralia, IL (FHA|USDA|VA) 3 $535,000 $178,333 $8,779 7.33%
Searcy, AR (FHA|USDA|VA) 3 $535,000 $178,333 $9,463 6.46%
Opelousas, LA (FHA|USDA|VA) 4 $530,000 $132,500 $8,433 6.94%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $530,000 $265,000 $10,081 7.50%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $525,000 $175,000 $5,983 6.92%
Forest City, NC (FHA|USDA|VA) 3 $515,000 $171,667 $9,878 6.38%
Chillicothe, OH (FHA|USDA|VA) 3 $515,000 $171,667 $8,379 6.67%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $515,000 $171,667 $6,905 6.63%
Huntsville, TX (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.50%
JACKSON, MS (FHA|USDA|VA) 3 $505,000 $168,333 $13,527 6.25%
Kingsville, TX (FHA|USDA|VA) 1 $505,000 $505,000 $0 4.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $505,000 $168,333 $10,618 6.92%
BOULDER, CO (FHA|USDA|VA) 1 $495,000 $495,000 $19,501 7.75%
Celina, OH (FHA|USDA|VA) 2 $490,000 $245,000 $14,240 7.75%
Oak Harbor, WA (FHA|USDA|VA) 2 $490,000 $245,000 $5,912 6.50%
Henderson, NC (FHA|USDA|VA) 3 $485,000 $161,667 $933 6.92%
Klamath Falls, OR (FHA|USDA|VA) 2 $480,000 $240,000 $13,223 4.38%
AMARILLO, TX (FHA|USDA|VA) 2 $480,000 $240,000 $11,639 6.63%
Rockport, TX (FHA|USDA|VA) 1 $475,000 $475,000 $4,948 6.25%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $470,000 $235,000 $11,510 6.25%
HINESVILLE, GA (FHA|USDA|VA) 2 $470,000 $235,000 $13,110 6.81%
Newport, TN (FHA|USDA|VA) 2 $470,000 $235,000 $6,769 6.63%
Lufkin, TX (FHA|USDA|VA) 3 $465,000 $155,000 $7,300 6.88%
Safford, AZ (FHA|USDA|VA) 2 $460,000 $230,000 $9,296 7.00%
Fallon, NV (FHA|USDA|VA) 1 $455,000 $455,000 $15,087 6.75%
Ukiah, CA (FHA|USDA|VA) 1 $455,000 $455,000 $0 8.00%
Auburn, NY (FHA|USDA|VA) 3 $455,000 $151,667 $5,834 6.79%
Shelton, WA (FHA|USDA|VA) 1 $455,000 $455,000 $5,315 7.25%
Lumberton, NC (FHA|USDA|VA) 2 $450,000 $225,000 $12,786 6.13%
Brookings, OR (FHA|USDA|VA) 2 $450,000 $225,000 $10,282 6.63%
SYRACUSE, NY (FHA|USDA|VA) 3 $445,000 $148,333 $8,470 6.71%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $445,000 $148,333 $5,128 6.83%
Kinston, NC (FHA|USDA|VA) 1 $445,000 $445,000 $1,490 6.25%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $440,000 $220,000 $13,531 6.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $440,000 $220,000 $17,985 6.50%
KINGSTON, NY (FHA|USDA|VA) 2 $440,000 $220,000 $10,917 7.25%
Centralia, WA (FHA|USDA|VA) 1 $435,000 $435,000 $20,292 6.63%
LIMA, OH (FHA|USDA|VA) 2 $430,000 $215,000 $6,490 7.50%
FORT WAYNE, IN (FHA|USDA|VA) 2 $430,000 $215,000 $11,079 7.00%
CHICO, CA (FHA|USDA|VA) 2 $430,000 $215,000 $6,823 6.00%
BURLINGTON, NC (FHA|USDA|VA) 2 $430,000 $215,000 $8,438 6.50%
SUMTER, SC (FHA|USDA|VA) 2 $430,000 $215,000 $11,160 7.00%
Ellensburg, WA (FHA|USDA|VA) 1 $425,000 $425,000 $23,522 6.25%
Talladega-Sylacauga, AL (FHA|USDA|VA) 3 $425,000 $141,667 $4,186 6.46%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $425,000 $141,667 $6,440 6.71%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $420,000 $210,000 $11,008 6.13%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $420,000 $210,000 $15,307 6.06%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $420,000 $210,000 $8,020 7.00%
TOLEDO, OH (FHA|USDA|VA) 2 $420,000 $210,000 $18,426 7.50%
Salem, OH (FHA|USDA|VA) 3 $415,000 $138,333 $6,346 6.75%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $415,000 $415,000 $0 6.63%
Clewiston, FL (FHA|USDA|VA) 2 $410,000 $205,000 $10,716 6.00%
Muskogee, OK (FHA|USDA|VA) 1 $405,000 $405,000 $14,779 5.63%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $395,000 $395,000 $8,805 7.00%
Russellville, AR (FHA|USDA|VA) 3 $395,000 $131,667 $1,573 6.50%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $395,000 $395,000 $0 6.75%
PROVO-OREM, UT (FHA|USDA|VA) 1 $395,000 $395,000 $16,281 5.75%
Rock Springs, WY (FHA|USDA|VA) 2 $390,000 $195,000 $7,378 6.75%
Elko, NV (FHA|USDA|VA) 2 $380,000 $190,000 $9,916 6.81%
Hood River, OR (FHA|USDA|VA) 1 $375,000 $375,000 $13,376 7.25%
GETTYSBURG, PA (FHA|USDA|VA) 1 $375,000 $375,000 $21,379 7.13%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $370,000 $185,000 $16,497 6.50%
LaGrange, GA-AL (FHA|USDA|VA) 2 $370,000 $185,000 $9,119 6.75%
GOLDSBORO, NC (FHA|USDA|VA) 2 $370,000 $185,000 $12,663 7.25%
TOPEKA, KS (FHA|USDA|VA) 2 $370,000 $185,000 $6,376 6.94%
Sanford, NC (FHA|USDA|VA) 1 $365,000 $365,000 $18,994 6.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $365,000 $365,000 $0 7.75%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $360,000 $180,000 $8,444 6.19%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $360,000 $180,000 $8,699 7.19%
Moses Lake, WA (FHA|USDA|VA) 1 $355,000 $355,000 $0 7.50%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $350,000 $175,000 $8,356 6.94%
Oneonta, NY (FHA|USDA|VA) 2 $350,000 $175,000 $10,985 7.63%
HATTIESBURG, MS (FHA|USDA|VA) 2 $350,000 $175,000 $13,057 6.75%
Lewisburg, TN (FHA|USDA|VA) 1 $345,000 $345,000 $12,124 5.75%
Las Vegas, NM (FHA|USDA|VA) 1 $345,000 $345,000 $0 5.50%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $340,000 $170,000 $5,420 7.25%
Meridian, MS (FHA|USDA|VA) 2 $340,000 $170,000 $5,179 6.00%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.25%
Atmore, AL (FHA|USDA|VA) 1 $335,000 $335,000 $13,102 6.25%
Sturgis, MI (FHA|USDA|VA) 1 $335,000 $335,000 $24,326 6.13%
Greenville, OH (FHA|USDA|VA) 3 $335,000 $111,667 $4,548 6.79%
Concord, NH (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.25%
Shelbyville, TN (FHA|USDA|VA) 1 $335,000 $335,000 $9,099 6.25%
Mount Sterling, KY (FHA|USDA|VA) 2 $330,000 $165,000 $10,578 6.94%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $330,000 $165,000 $5,139 7.19%
Marinette, WI-MI (FHA|USDA|VA) 2 $330,000 $165,000 $5,718 7.44%
TULSA, OK (FHA|USDA|VA) 2 $330,000 $165,000 $8,896 6.13%
YUBA CITY, CA (FHA|USDA|VA) 1 $325,000 $325,000 $13,783 5.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $325,000 $325,000 $10,852 7.25%
Ottawa, KS (FHA|USDA|VA) 1 $325,000 $325,000 $0 7.13%
Cornelia, GA (FHA|USDA|VA) 1 $325,000 $325,000 $14,896 5.63%
Lebanon, MO (FHA|USDA|VA) 2 $320,000 $160,000 $0 5.94%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $320,000 $160,000 $5,796 7.19%
Zanesville, OH (FHA|USDA|VA) 2 $320,000 $160,000 $9,665 7.44%
Big Rapids, MI (FHA|USDA|VA) 2 $310,000 $155,000 $10,794 7.13%
NEW BERN, NC (FHA|USDA|VA) 2 $310,000 $155,000 $9,456 7.38%
Corsicana, TX (FHA|USDA|VA) 1 $305,000 $305,000 $14,982 7.25%
Traverse City, MI (FHA|USDA|VA) 1 $305,000 $305,000 $9,522 7.75%
Oxford, MS (FHA|USDA|VA) 2 $300,000 $150,000 $9,829 6.31%
Cambridge, MD (FHA|USDA|VA) 2 $300,000 $150,000 $10,176 5.88%
London, KY (FHA|USDA|VA) 2 $300,000 $150,000 $5,003 6.88%
Bluefield, WV-VA (FHA|USDA|VA) 2 $300,000 $150,000 $7,530 6.63%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $300,000 $150,000 $7,974 6.19%
Winfield, KS (FHA|USDA|VA) 1 $295,000 $295,000 $12,162 6.75%
Washington Court House, OH (FHA|USDA|VA) 1 $295,000 $295,000 $12,837 7.75%
LONGVIEW, WA (FHA|USDA|VA) 1 $295,000 $295,000 $11,453 6.75%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $295,000 $295,000 $0 5.75%
Glasgow, KY (FHA|USDA|VA) 2 $290,000 $145,000 $0 5.63%
Marietta, OH (FHA|USDA|VA) 2 $290,000 $145,000 $9,796 7.25%
Washington, NC (FHA|USDA|VA) 2 $290,000 $145,000 $8,116 6.19%
Bedford, IN (FHA|USDA|VA) 2 $290,000 $145,000 $3,646 6.81%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $285,000 $285,000 $15,676 7.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $19,232 8.25%
SANTA FE, NM (FHA|USDA|VA) 1 $285,000 $285,000 $14,574 6.88%
MADISON, WI (FHA|USDA|VA) 1 $285,000 $285,000 $8,676 7.13%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $285,000 $285,000 $16,343 7.25%
ROCHESTER, MN (FHA|USDA|VA) 1 $285,000 $285,000 $0 6.25%
Lawrenceburg, TN (FHA|USDA|VA) 1 $285,000 $285,000 $11,784 7.00%
Roanoke Rapids, NC (FHA|USDA|VA) 2 $280,000 $140,000 $7,403 6.19%
Shawnee, OK (FHA|USDA|VA) 2 $280,000 $140,000 $5,207 7.19%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $280,000 $140,000 $6,267 7.50%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $275,000 $275,000 $4,968 6.25%
Fort Morgan, CO (FHA|USDA|VA) 1 $275,000 $275,000 $5,509 7.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $270,000 $135,000 $8,081 7.56%
Lebanon, NH-VT (FHA|USDA|VA) 1 $265,000 $265,000 $10,234 7.13%
La Grande, OR (FHA|USDA|VA) 1 $265,000 $265,000 $6,569 7.25%
Eagle Pass, TX (FHA|USDA|VA) 1 $265,000 $265,000 $9,730 6.00%
Connersville, IN (FHA|USDA|VA) 2 $260,000 $130,000 $0 7.19%
Mount Pleasant, MI (FHA|USDA|VA) 2 $260,000 $130,000 $8,669 7.00%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $255,000 $255,000 $15,296 6.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $255,000 $255,000 $12,096 6.25%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $255,000 $255,000 $4,774 6.88%
YUMA, AZ (FHA|USDA|VA) 2 $250,000 $125,000 $8,029 7.50%
Pecos, TX (FHA|USDA|VA) 2 $250,000 $125,000 $6,559 7.69%
Wilson, NC (FHA|USDA|VA) 2 $250,000 $125,000 $5,882 6.94%
Union, SC (FHA|USDA|VA) 1 $245,000 $245,000 $15,326 7.25%
BOISE CITY, ID (FHA|USDA|VA) 1 $245,000 $245,000 $12,544 7.25%
Bartlesville, OK (FHA|USDA|VA) 1 $245,000 $245,000 $13,586 7.75%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.00%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $245,000 $245,000 $5,333 5.88%
Brownsville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $9,874 7.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $235,000 $235,000 $11,342 6.75%
Fitzgerald, GA (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.50%
Ogdensburg-Massena, NY (FHA|USDA|VA) 2 $230,000 $115,000 $4,358 6.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $225,000 $225,000 $8,192 6.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.75%
PITTSFIELD, MA (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $225,000 $225,000 $13,978 7.25%
Warsaw, IN (FHA|USDA|VA) 2 $220,000 $110,000 $6,378 7.13%
Thomaston, GA (FHA|USDA|VA) 1 $215,000 $215,000 $6,924 7.25%
Crossville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $3,564 5.75%
Danville, KY (FHA|USDA|VA) 1 $215,000 $215,000 $8,064 7.63%
Pearsall, TX (FHA|USDA|VA) 1 $215,000 $215,000 $14,700 6.75%
Roseburg, OR (FHA|USDA|VA) 1 $215,000 $215,000 $11,357 7.25%
Richmond-Berea, KY (FHA|USDA|VA) 1 $215,000 $215,000 $15,426 6.75%
LEBANON, PA (FHA|USDA|VA) 1 $215,000 $215,000 $6,988 7.75%
JACKSON, TN (FHA|USDA|VA) 2 $210,000 $105,000 $7,741 6.88%
Albemarle, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $205,000 $205,000 $5,260 7.25%
BEND, OR (FHA|USDA|VA) 1 $205,000 $205,000 $7,790 5.50%
CASPER, WY (FHA|USDA|VA) 1 $205,000 $205,000 $6,161 6.75%
St. Marys, GA (FHA|USDA|VA) 1 $205,000 $205,000 $7,432 6.63%
ROME, GA (FHA|USDA|VA) 1 $205,000 $205,000 $9,690 7.25%
Torrington, CT (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.75%
Dyersburg, TN (FHA|USDA|VA) 1 $205,000 $205,000 $7,010 6.75%
Quincy, IL-MO (FHA|USDA|VA) 1 $205,000 $205,000 $5,404 7.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $195,000 $195,000 $10,442 7.00%
JONESBORO, AR (FHA|USDA|VA) 1 $195,000 $195,000 $8,549 6.75%
Warren, PA (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.38%
Somerset, KY (FHA|USDA|VA) 1 $195,000 $195,000 $4,117 6.88%
Morgan City, LA (FHA|USDA|VA) 1 $195,000 $195,000 $10,707 7.13%
Scottsboro, AL (FHA|USDA|VA) 1 $185,000 $185,000 $10,073 6.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $10,637 6.75%
Jesup, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.75%
Laurel, MS (FHA|USDA|VA) 1 $185,000 $185,000 $15,545 5.75%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $185,000 $185,000 $9,322 7.25%
ODESSA, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.88%
Van Wert, OH (FHA|USDA|VA) 1 $185,000 $185,000 $8,265 7.75%
ALBANY, GA (FHA|USDA|VA) 1 $185,000 $185,000 $5,186 7.25%
READING, PA (FHA|USDA|VA) 2 $180,000 $90,000 $8,155 6.81%
LANCASTER, PA (FHA|USDA|VA) 1 $175,000 $175,000 $12,468 6.50%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $175,000 $175,000 $8,828 7.25%
WHEELING, WV-OH (FHA|USDA|VA) 1 $175,000 $175,000 $9,529 5.75%
Selinsgrove, PA (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.25%
Barre, VT (FHA|USDA|VA) 1 $175,000 $175,000 $6,004 7.13%
GREENVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $7,434 6.25%
EL PASO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,773 7.00%
COLUMBUS, IN (FHA|USDA|VA) 1 $175,000 $175,000 $6,315 6.25%
Nacogdoches, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,411 7.63%
Ashland, OH (FHA|USDA|VA) 1 $165,000 $165,000 $12,440 7.63%
Dickinson, ND (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.00%
Cambridge, OH (FHA|USDA|VA) 1 $165,000 $165,000 $10,747 7.75%
Mexico, MO (FHA|USDA|VA) 1 $165,000 $165,000 $7,811 7.25%
PANAMA CITY, FL (FHA|USDA|VA) 1 $165,000 $165,000 $7,614 7.13%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $155,000 $155,000 $10,946 7.50%
Central City, KY (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.75%
Cortland, NY (FHA|USDA|VA) 1 $155,000 $155,000 $2,091 7.00%
Georgetown, SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.25%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.25%
Enterprise, AL (FHA|USDA|VA) 2 $150,000 $75,000 $5,275 7.56%
Huntington, IN (FHA|USDA|VA) 1 $145,000 $145,000 $8,627 7.75%
SAGINAW, MI (FHA|USDA|VA) 1 $145,000 $145,000 $9,173 7.50%
Deming, NM (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.63%
RACINE, WI (FHA|USDA|VA) 1 $145,000 $145,000 $8,298 6.75%
STAUNTON, VA (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.25%
Alamogordo, NM (FHA|USDA|VA) 1 $145,000 $145,000 $10,044 7.38%
DULUTH, MN-WI (FHA|USDA|VA) 1 $145,000 $145,000 $7,924 6.63%
Olean, NY (FHA|USDA|VA) 1 $145,000 $145,000 $8,558 7.13%
Middlesborough, KY (FHA|USDA|VA) 1 $145,000 $145,000 $7,444 6.63%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,811 7.25%
Portsmouth, OH (FHA|USDA|VA) 1 $145,000 $145,000 $9,682 7.75%
Cullowhee, NC (FHA|USDA|VA) 1 $145,000 $145,000 $10,193 5.50%
Boone, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.25%
Bonham, TX (FHA|USDA|VA) 1 $135,000 $135,000 $6,663 7.25%
Kendallville, IN (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.25%
Holland, MI (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.25%
Coshocton, OH (FHA|USDA|VA) 1 $135,000 $135,000 $10,307 6.50%
North Vernon, IN (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $135,000 $135,000 $9,020 7.63%
Dixon, IL (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.75%
PINE BLUFF, AR (FHA|USDA|VA) 1 $125,000 $125,000 $8,717 7.75%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $125,000 $125,000 $7,664 6.25%
JACKSON, MI (FHA|USDA|VA) 1 $125,000 $125,000 $6,501 6.63%
Wilmington, OH (FHA|USDA|VA) 1 $125,000 $125,000 $7,611 7.63%
Natchitoches, LA (FHA|USDA|VA) 1 $125,000 $125,000 $4,968 6.38%
Dublin, GA (FHA|USDA|VA) 1 $125,000 $125,000 $9,118 6.63%
Starkville, MS (FHA|USDA|VA) 1 $115,000 $115,000 $10,537 5.75%
Corning, NY (FHA|USDA|VA) 1 $115,000 $115,000 $7,133 6.25%
Blytheville, AR (FHA|USDA|VA) 1 $115,000 $115,000 $5,180 6.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $115,000 $115,000 $8,079 6.75%
Cookeville, TN (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.25%
BRUNSWICK, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.63%
Minden, LA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.75%
Bay City, TX (FHA|USDA|VA) 1 $105,000 $105,000 $8,710 7.75%
BAY CITY, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.75%
Albertville, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.13%
Batavia, NY (FHA|USDA|VA) 1 $105,000 $105,000 $4,482 6.75%
Waycross, GA (FHA|USDA|VA) 1 $105,000 $105,000 $3,733 6.25%
Seymour, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,485 7.13%
Picayune, MS (FHA|USDA|VA) 1 $105,000 $105,000 $9,045 6.25%
Vincennes, IN (FHA|USDA|VA) 1 $95,000 $95,000 $3,542 7.25%
Alma, MI (FHA|USDA|VA) 1 $95,000 $95,000 $7,480 7.13%
Mount Vernon, IL (FHA|USDA|VA) 1 $95,000 $95,000 $5,954 7.25%
Durant, OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.13%
Bogalusa, LA (FHA|USDA|VA) 1 $85,000 $85,000 $3,219 7.00%
WICHITA, KS (FHA|USDA|VA) 1 $85,000 $85,000 $4,905 7.25%
Marion, OH (FHA|USDA|VA) 1 $85,000 $85,000 $7,318 7.25%
Vidalia, GA (FHA|USDA|VA) 1 $85,000 $85,000 $4,685 7.00%
Woodward, OK (FHA|USDA|VA) 1 $75,000 $75,000 $5,859 6.25%
Thomasville, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.25%
Ruidoso, NM (FHA|USDA|VA) 1 $65,000 $65,000 $5,772 6.25%
DuBois, PA (FHA|USDA|VA) 1 $65,000 $65,000 $7,451 6.50%
BECKLEY, WV (FHA|USDA|VA) 1 $65,000 $65,000 $4,323 7.63%
Maysville, KY (FHA|USDA|VA) 1 $65,000 $65,000 $3,200 7.25%
Pittsburg, KS (FHA|USDA|VA) 1 $55,000 $55,000 $5,492 6.75%
MODESTO, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.88%
American Financial Resources's top markets include New York, Atlanta, Houston, Phoenix, and Tampa among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 1,688 $406,150,000 $240,610 $11,740 6.67%
    VA 375 $117,955,000 $314,547 $8,012 6.48%
    Conventional 224 $50,720,000 $226,429 $7,754 6.70%
    USDA 186 $32,620,000 $175,376 $7,333 6.52%

    For 2023, American Financial Resources's most frequently originated type of loan was FHA, with 1,688 originations. Their 2nd most popular type was VA, with 375 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,240 $560,060,000 $250,027 $10,449 6.63%
    Cash Out Refi 198 $39,220,000 $198,081 $10,344 6.71%
    Refi 35 $8,165,000 $233,286 $9,499 6.72%

    For 2023, American Financial Resources's most frequently cited loan purpose was Home Purchase, with 2,240 originations. The 2nd most popular reason was Cash Out Refi, with 198 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,270 $544,840,000 $240,018 $10,663 6.69%
    Other 160 $55,830,000 $348,938 $7,878 5.88%
    20 Year 30 $4,430,000 $147,667 $7,523 7.06%
    15 Year 12 $2,260,000 $188,333 $6,762 5.39%
    10 Year 1 $85,000 $85,000 $6,246 6.25%

    For 2023, American Financial Resources's most frequently cited loan duration was 30 Year, with 2,270 originations. The 2nd most popular length was Other, with 160 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 861 $262,465,000 $304,837
    $<1k 532 $134,010,000 $251,898
    $2k-3k 284 $53,540,000 $188,521
    $3k-4k 280 $50,050,000 $178,750
    $1k-2k 277 $56,605,000 $204,350
    $4k-5k 238 $50,530,000 $212,311

    American Financial Resources's average total fees were $10,663, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 861 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,095 $268,255,000 $244,982
    7-8% 873 $194,335,000 $222,606
    5-6% 405 $109,975,000 $271,543
    4-5% 50 $17,590,000 $351,800
    3-4% 28 $11,480,000 $410,000
    Over 8% 17 $4,385,000 $257,941
    2.5-3% 5 $1,425,000 $285,000

    During 2023, American Financial Resources's average interest rate for loans was 6.69%, while their most frequently originated rate bucket for loans was 6-7%, with 1,095 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,081 $296,045,000 $273,862 $11,796 6.54%
    $100k-200k 917 $142,335,000 $155,218 $8,135 6.77%
    $400k-600k 221 $104,715,000 $473,824 $16,450 6.44%
    $100,000 or less 189 $15,045,000 $79,603 $5,606 6.94%
    $600k-1MM 56 $39,160,000 $699,286 $20,013 6.13%
    $1MM+ 9 $10,145,000 $1,127,222 $28,481 6.32%

    2023 saw American Financial Resources place emphasis on $200k-400k loans with 1,081 originations, totaling $296,045,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 733 $140,975,000 $192,326 $9,336 6.62%
    $75k-100k 587 $144,095,000 $245,477 $10,804 6.65%
    $100k-150k 496 $161,160,000 $324,919 $12,695 6.64%
    $50k or less 429 $55,675,000 $129,779 $7,513 6.66%
    $150k-250k 200 $86,290,000 $431,450 $14,752 6.56%
    $250k+ 28 $19,250,000 $687,500 $17,010 6.67%

    American Financial Resources lent most frequently to those with incomes in the $50k-75k range, with 733 originations. The second most popular income band? $75k-100k, with 587 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 516 $144,180,000 $279,419 $12,027 6.52%
    30-36% 357 $72,785,000 $203,880 $8,979 6.68%
    20-30% 210 $39,010,000 $185,762 $8,506 6.74%
    40% 126 $29,740,000 $236,032 $10,059 6.51%
    46% 115 $28,305,000 $246,130 $11,260 6.71%
    49% 109 $30,995,000 $284,358 $11,713 6.60%
    44% 109 $27,185,000 $249,404 $11,083 6.69%
    45% 107 $26,245,000 $245,280 $10,989 6.70%
    47% 104 $30,830,000 $296,442 $12,292 6.57%
    39% 97 $23,485,000 $242,113 $10,263 6.60%
    42% 94 $23,060,000 $245,319 $10,745 6.82%
    43% 91 $22,045,000 $242,253 $10,475 6.68%
    38% 84 $19,570,000 $232,976 $9,469 6.72%
    41% 82 $20,050,000 $244,512 $10,171 6.63%
    36% 79 $16,315,000 $206,519 $9,394 6.70%
    48% 79 $21,155,000 $267,785 $10,360 6.60%
    37% 73 $17,195,000 $235,548 $9,367 6.67%
    <20% 21 $4,105,000 $195,476 $6,566 6.70%
    >60% 20 $11,190,000 $559,500 $10,391 6.03%

    American Financial Resources lent most frequently to those with DTI ratios of 50-60%, with 516 originations. The next most common DTI ratio? 30-36%, with 357 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,725 $398,615,000 $231,081 $10,081 6.62%
    Black 371 $101,065,000 $272,412 $11,520 6.62%
    Not provided 309 $85,275,000 $275,971 $10,970 6.69%
    American Indian 29 $7,755,000 $267,414 $9,423 6.80%
    Asian 10 $4,180,000 $418,000 $12,960 6.95%
    Filipino 7 $2,605,000 $372,143 $13,457 6.61%
    Korean 4 $1,530,000 $382,500 $7,691 6.28%
    Asian Indian 3 $1,375,000 $458,333 $33,785 6.75%
    Other Asian 4 $1,230,000 $307,500 $9,728 7.34%
    Native Hawaiian or Islander 4 $1,130,000 $282,500 $15,439 6.66%
    Vietnamese 3 $1,035,000 $345,000 $14,592 6.63%
    Other Pacific Islander 2 $760,000 $380,000 $12,579 6.69%
    Samoan 1 $555,000 $555,000 $0 7.13%
    Chinese 1 $335,000 $335,000 $20,625 5.50%

    Approval Rates

    Total approvals of all applications
    89.61%

    American Financial Resources has an average approval rate.

    Pick Rate

    Approvals leading to origination
    41.37%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,473 $607,445,000 $245,631

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,473 $607,445,000 $245,631

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 32 $3,810,000 $119,063 $5,809 6.69%
    40-60% 105 $20,025,000 $190,714 $8,537 6.68%
    60-80% 346 $77,350,000 $223,555 $10,190 6.59%
    80-100% 1,918 $481,510,000 $251,048 $10,533 6.64%
    Over 100% 67 $24,195,000 $361,119 $14,364 6.64%
    Under 20% 4 $330,000 $82,500 $5,160 7.19%