American Financial Resources Mortgage Rates, Fees & Info

Parsippany-Troy Hills, NJ

LEI: 5493002B2WMHY23GFK92

Tax ID: 22-3554558

1.8 stars - Updated: 3/17/24 - out of 5 stars, based on 60 reviews

Latest/2022 | 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: Phoenix, Tampa, Atlanta, Knoxville, and Charleston among others. We have data for 518 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 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
30 Year Conventional Purchase 7.25% 3/17/24
30 Year Conventional Refi 6.75% 3/17/24
30 Year Cash-out Refi 6.68% 3/17/24
30 Year FHA Purchase 8.08% 3/17/24
30 Year FHA Refi 7.45% 3/17/24
30 Year VA Purchase 6.76% 3/17/24
30 Year VA Refi 6.10% 3/17/24
30 Year USDA Purchase 7.01% 3/17/24
30 Year USDA Refi 6.43% 3/17/24
15 Year Conventional Purchase 6.90% 3/17/24
15 Year Conventional Refi 6.52% 3/17/24
15 Year Cash-out Refi 6.52% 3/17/24
15 Year FHA Purchase 7.67% 3/17/24
15 Year FHA Refi 7.03% 3/17/24
15 Year VA Purchase 6.46% 3/17/24
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

3,573

Origination Dollar Volume (All Markets)

$732,045,000
Show all (5) awards

Relative Rate

American Financial Resources's average 30 year fixed mortgage rate was 5.08%.

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

This yields a difference of 0.32%.

Relative Fees (Closing Costs)

American Financial Resources's average total fees/closing costs for a 30 year fixed rate mortgage were $8,769.

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
Outside of Metro Areas 459 $75,825,000 $165,196 $7,377 4.82%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 75 $21,105,000 $281,400 $9,956 5.62%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 69 $15,085,000 $218,623 $8,914 5.35%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 50 $14,040,000 $280,800 $9,281 5.53%
KNOXVILLE, TN (FHA|USDA|VA) 63 $12,975,000 $205,952 $9,077 4.90%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 51 $11,345,000 $222,451 $6,821 4.73%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 28 $10,640,000 $380,000 $15,184 5.28%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 33 $10,175,000 $308,333 $12,681 4.38%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 26 $9,760,000 $375,385 $11,632 5.15%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 43 $9,215,000 $214,302 $8,890 4.85%
LAFAYETTE, LA (FHA|USDA|VA) 63 $9,065,000 $143,889 $7,665 4.93%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 35 $8,865,000 $253,286 $9,423 5.61%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 38 $8,600,000 $226,316 $7,945 4.99%
ASHEVILLE, NC (FHA|USDA|VA) 43 $8,475,000 $197,093 $8,820 4.28%
OCALA, FL (FHA|USDA|VA) 48 $8,420,000 $175,417 $6,964 4.94%
BATON ROUGE, LA (FHA|USDA|VA) 48 $8,260,000 $172,083 $6,907 5.08%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 42 $8,020,000 $190,952 $9,671 4.06%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 35 $7,925,000 $226,429 $9,434 5.47%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 31 $7,885,000 $254,355 $11,342 5.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 28 $7,510,000 $268,214 $10,825 5.28%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 24 $7,060,000 $294,167 $11,604 5.86%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 35 $6,835,000 $195,286 $9,770 5.96%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 24 $6,350,000 $264,583 $8,145 4.82%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 21 $6,345,000 $302,143 $15,088 4.76%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 27 $6,265,000 $232,037 $8,742 5.08%
JACKSONVILLE, FL (FHA|USDA|VA) 27 $6,185,000 $229,074 $10,667 5.49%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 36 $5,800,000 $161,111 $7,363 4.82%
GAINESVILLE, FL (FHA|USDA|VA) 35 $5,695,000 $162,714 $7,615 4.91%
COLUMBIA, SC (FHA|USDA|VA) 25 $5,675,000 $227,000 $7,914 5.35%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 19 $5,255,000 $276,579 $11,142 5.72%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 26 $5,250,000 $201,923 $9,825 4.90%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 23 $5,035,000 $218,913 $9,064 5.36%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 25 $5,015,000 $200,600 $8,755 4.89%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 13 $4,965,000 $381,923 $11,842 4.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 27 $4,855,000 $179,815 $9,117 4.95%
LYNCHBURG, VA (FHA|USDA|VA) 22 $4,840,000 $220,000 $9,053 4.08%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 21 $4,485,000 $213,571 $7,631 5.09%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 13 $4,305,000 $331,154 $11,258 4.89%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 12 $4,170,000 $347,500 $14,585 6.06%
MORRISTOWN, TN (FHA|USDA|VA) 22 $4,070,000 $185,000 $8,019 4.64%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 24 $3,920,000 $163,333 $8,168 4.11%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 11 $3,875,000 $352,273 $11,851 4.73%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $3,855,000 $428,333 $14,718 6.15%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 19 $3,735,000 $196,579 $6,793 5.70%
COLUMBUS, OH (FHA|USDA|VA) 18 $3,680,000 $204,444 $10,819 5.63%
KANSAS CITY, MO-KS (FHA|USDA|VA) 14 $3,480,000 $248,571 $4,996 5.93%
ST. LOUIS, MO-IL (FHA|USDA|VA) 16 $3,390,000 $211,875 $8,543 6.09%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 10 $3,350,000 $335,000 $9,551 4.56%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 14 $3,320,000 $237,143 $9,433 5.02%
Shelby, NC (FHA|USDA|VA) 16 $3,280,000 $205,000 $11,973 3.54%
MEDFORD, OR (FHA|USDA|VA) 10 $3,250,000 $325,000 $12,003 5.13%
Payson, AZ (FHA|USDA|VA) 16 $3,190,000 $199,375 $8,442 4.77%
Lake City, FL (FHA|USDA|VA) 17 $3,155,000 $185,588 $8,891 5.42%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 17 $3,145,000 $185,000 $8,500 5.06%
TUCSON, AZ (FHA|USDA|VA) 13 $3,095,000 $238,077 $9,655 4.94%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 14 $3,090,000 $220,714 $10,272 5.07%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 8 $2,900,000 $362,500 $14,530 4.16%
SALEM, OR (FHA|USDA|VA) 9 $2,855,000 $317,222 $15,147 5.58%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 10 $2,740,000 $274,000 $9,843 5.96%
WINSTON-SALEM, NC (FHA|USDA|VA) 14 $2,710,000 $193,571 $9,751 4.10%
BEND, OR (FHA|USDA|VA) 9 $2,665,000 $296,111 $12,307 3.97%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 9 $2,665,000 $296,111 $11,772 4.21%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $2,645,000 $203,462 $6,438 4.69%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 16 $2,580,000 $161,250 $8,773 4.09%
LAKE CHARLES, LA (FHA|USDA|VA) 15 $2,565,000 $171,000 $7,495 5.24%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $2,555,000 $365,000 $7,433 5.71%
MONTGOMERY, AL (FHA|USDA|VA) 8 $2,510,000 $313,750 $4,876 4.81%
Greeneville, TN (FHA|USDA|VA) 12 $2,460,000 $205,000 $11,014 4.52%
Dickinson, ND (FHA|USDA|VA) 11 $2,385,000 $216,818 $6,139 5.33%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $2,375,000 $263,889 $8,623 5.53%
RICHMOND, VA (FHA|USDA|VA) 11 $2,325,000 $211,364 $8,918 4.34%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 15 $2,315,000 $154,333 $8,656 5.11%
Opelousas, LA (FHA|USDA|VA) 18 $2,260,000 $125,556 $7,046 4.94%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 12 $2,250,000 $187,500 $9,346 4.13%
Palatka, FL (FHA|USDA|VA) 13 $2,245,000 $172,692 $8,015 4.82%
Sevierville, TN (FHA|USDA|VA) 12 $2,180,000 $181,667 $7,634 4.79%
Shelton, WA (FHA|USDA|VA) 9 $2,165,000 $240,556 $12,275 4.51%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $2,115,000 $423,000 $18,094 4.50%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $2,100,000 $350,000 $12,845 6.56%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $2,050,000 $341,667 $8,566 4.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 10 $2,020,000 $202,000 $7,408 4.41%
Show Low, AZ (FHA|USDA|VA) 10 $2,010,000 $201,000 $8,242 4.40%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 7 $1,975,000 $282,143 $10,600 5.82%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 10 $1,900,000 $190,000 $5,598 5.11%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 13 $1,875,000 $144,231 $5,671 4.08%
Gloversville, NY (FHA|USDA|VA) 13 $1,865,000 $143,462 $7,931 4.94%
GREELEY, CO (FHA|USDA|VA) 5 $1,845,000 $369,000 $9,778 5.43%
ALBUQUERQUE, NM (FHA|USDA|VA) 11 $1,845,000 $167,727 $7,629 4.86%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 8 $1,840,000 $230,000 $7,085 5.33%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 13 $1,835,000 $141,154 $6,945 5.76%
PITTSBURGH, PA (FHA|USDA|VA) 14 $1,810,000 $129,286 $6,354 5.42%
ROCHESTER, NY (FHA|USDA|VA) 12 $1,790,000 $149,167 $5,770 4.79%
PANAMA CITY, FL (FHA|USDA|VA) 10 $1,740,000 $174,000 $8,561 4.69%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,735,000 $347,000 $11,982 5.20%
Elizabeth City, NC (FHA|USDA|VA) 9 $1,695,000 $188,333 $9,391 4.24%
STOCKTON, CA (FHA|USDA|VA) 4 $1,680,000 $420,000 $19,842 5.41%
OKLAHOMA CITY, OK (FHA|USDA|VA) 13 $1,675,000 $128,846 $6,949 5.51%
WENATCHEE, WA (FHA|USDA|VA) 5 $1,675,000 $335,000 $11,075 4.68%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $1,635,000 $233,571 $6,641 5.59%
LONGVIEW, TX (FHA|USDA|VA) 8 $1,630,000 $203,750 $9,758 5.02%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $1,625,000 $232,143 $7,404 4.95%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 8 $1,580,000 $197,500 $9,051 4.45%
SALISBURY, MD-DE (FHA|USDA|VA) 7 $1,575,000 $225,000 $8,244 4.91%
Plattsburgh, NY (FHA|USDA|VA) 12 $1,540,000 $128,333 $7,693 5.50%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $1,505,000 $301,000 $17,211 4.82%
BLOOMINGTON, IN (FHA|USDA|VA) 8 $1,500,000 $187,500 $6,993 4.89%
EVANSVILLE, IN-KY (FHA|USDA|VA) 4 $1,500,000 $375,000 $12,663 4.16%
LOUISVILLE, KY (FHA|USDA|VA) 6 $1,490,000 $248,333 $8,936 4.77%
LANCASTER, PA (FHA|USDA|VA) 4 $1,450,000 $362,500 $10,304 4.56%
WACO, TX (FHA|USDA|VA) 3 $1,435,000 $478,333 $6,837 5.46%
WILMINGTON, NC (FHA|USDA|VA) 7 $1,425,000 $203,571 $7,268 4.93%
RENO, NV (FHA|USDA|VA) 5 $1,405,000 $281,000 $10,456 5.63%
ROANOKE, VA (FHA|USDA|VA) 7 $1,395,000 $199,286 $10,740 3.88%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $1,375,000 $275,000 $11,922 4.70%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 12 $1,370,000 $114,167 $6,435 4.51%
Clewiston, FL (FHA|USDA|VA) 7 $1,335,000 $190,714 $8,006 4.45%
PORT ST. LUCIE, FL (FHA|USDA|VA) 6 $1,320,000 $220,000 $8,359 4.44%
HAMMOND, LA (FHA|USDA|VA) 8 $1,310,000 $163,750 $6,140 5.55%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $1,305,000 $261,000 $14,685 4.78%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $1,305,000 $435,000 $9,797 6.42%
London, KY (FHA|USDA|VA) 10 $1,300,000 $130,000 $5,771 5.13%
Centralia, WA (FHA|USDA|VA) 3 $1,295,000 $431,667 $11,915 4.58%
TULSA, OK (FHA|USDA|VA) 8 $1,260,000 $157,500 $6,583 5.86%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 8 $1,250,000 $156,250 $8,699 4.53%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,250,000 $312,500 $18,331 6.09%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $1,225,000 $175,000 $5,142 5.21%
OCEAN CITY, NJ (FHA|USDA|VA) 4 $1,210,000 $302,500 $14,353 6.09%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,474 4.28%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 9 $1,165,000 $129,444 $6,519 5.19%
LONGVIEW, WA (FHA|USDA|VA) 4 $1,160,000 $290,000 $7,968 3.13%
SANTA FE, NM (FHA|USDA|VA) 5 $1,145,000 $229,000 $9,925 5.10%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $1,140,000 $190,000 $7,161 5.94%
JACKSONVILLE, NC (FHA|USDA|VA) 6 $1,100,000 $183,333 $6,693 4.92%
DeRidder, LA (FHA|USDA|VA) 7 $1,075,000 $153,571 $7,461 5.64%
Portsmouth, OH (FHA|USDA|VA) 9 $1,075,000 $119,444 $8,250 4.94%
Klamath Falls, OR (FHA|USDA|VA) 5 $1,065,000 $213,000 $7,806 4.30%
Roseburg, OR (FHA|USDA|VA) 5 $1,055,000 $211,000 $6,638 4.95%
AKRON, OH (FHA|USDA|VA) 4 $1,050,000 $262,500 $9,548 4.94%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $1,040,000 $260,000 $6,657 6.06%
Newport, TN (FHA|USDA|VA) 5 $1,035,000 $207,000 $7,941 5.05%
Thomasville, GA (FHA|USDA|VA) 8 $1,030,000 $128,750 $317 4.02%
Crossville, TN (FHA|USDA|VA) 5 $1,025,000 $205,000 $8,605 4.25%
BOISE CITY, ID (FHA|USDA|VA) 3 $1,025,000 $341,667 $11,410 4.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $1,015,000 $203,000 $8,107 5.90%
Danville, VA (FHA|USDA|VA) 8 $1,010,000 $126,250 $7,210 5.41%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 4 $1,000,000 $250,000 $9,006 4.25%
DOTHAN, AL (FHA|USDA|VA) 6 $1,000,000 $166,667 $7,656 5.29%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $995,000 $199,000 $4,179 5.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $990,000 $123,750 $6,129 4.28%
Aberdeen, WA (FHA|USDA|VA) 4 $980,000 $245,000 $10,962 3.75%
EspaƱola, NM (FHA|USDA|VA) 4 $980,000 $245,000 $0 4.88%
JACKSON, MS (FHA|USDA|VA) 6 $980,000 $163,333 $8,301 5.67%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 7 $965,000 $137,857 $6,674 4.48%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $960,000 $160,000 $4,433 5.98%
Jesup, GA (FHA|USDA|VA) 8 $960,000 $120,000 $6,379 5.06%
FLAGSTAFF, AZ (FHA|USDA|VA) 5 $955,000 $191,000 $8,307 5.43%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 5 $955,000 $191,000 $7,827 4.05%
Amsterdam, NY (FHA|USDA|VA) 7 $955,000 $136,429 $8,004 5.09%
WICHITA, KS (FHA|USDA|VA) 4 $950,000 $237,500 $5,586 5.47%
Searcy, AR (FHA|USDA|VA) 6 $930,000 $155,000 $6,455 5.21%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 7 $925,000 $132,143 $5,688 3.66%
ROCKY MOUNT, NC (FHA|USDA|VA) 5 $925,000 $185,000 $10,581 3.95%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $920,000 $460,000 $15,498 7.19%
SPRINGFIELD, MA (FHA|USDA|VA) 3 $915,000 $305,000 $0 6.08%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $905,000 $301,667 $7,375 5.21%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $905,000 $301,667 $13,598 5.00%
Forest City, NC (FHA|USDA|VA) 4 $890,000 $222,500 $8,823 3.78%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 5 $885,000 $177,000 $8,749 5.63%
BRUNSWICK, GA (FHA|USDA|VA) 7 $885,000 $126,429 $8,858 4.77%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $875,000 $291,667 $17,694 4.50%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $865,000 $288,333 $4,510 6.04%
CEDAR RAPIDS, IA (FHA|USDA|VA) 4 $850,000 $212,500 $15,150 4.88%
Jennings, LA (FHA|USDA|VA) 4 $850,000 $212,500 $5,583 4.66%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $840,000 $210,000 $4,911 6.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 5 $825,000 $165,000 $5,735 5.40%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $820,000 $205,000 $8,394 5.44%
Martinsville, VA (FHA|USDA|VA) 4 $810,000 $202,500 $10,340 4.72%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $810,000 $405,000 $0 5.81%
YUMA, AZ (FHA|USDA|VA) 5 $805,000 $161,000 $8,275 5.53%
Clearlake, CA (FHA|USDA|VA) 4 $800,000 $200,000 $0 3.50%
SUMTER, SC (FHA|USDA|VA) 5 $795,000 $159,000 $5,674 4.95%
MONROE, LA (FHA|USDA|VA) 6 $790,000 $131,667 $8,248 5.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $785,000 $261,667 $10,710 5.04%
THE VILLAGES, FL (FHA|USDA|VA) 5 $765,000 $153,000 $9,727 5.18%
Morgan City, LA (FHA|USDA|VA) 5 $765,000 $153,000 $4,943 4.10%
KINGSTON, NY (FHA|USDA|VA) 3 $755,000 $251,667 $8,123 5.00%
DECATUR, AL (FHA|USDA|VA) 4 $750,000 $187,500 $9,754 4.47%
UTICA-ROME, NY (FHA|USDA|VA) 6 $750,000 $125,000 $10,288 4.38%
DULUTH, MN-WI (FHA|USDA|VA) 4 $730,000 $182,500 $8,018 4.59%
ST. GEORGE, UT (FHA|USDA|VA) 2 $730,000 $365,000 $20,407 6.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $730,000 $182,500 $9,939 3.31%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $710,000 $177,500 $12,367 5.13%
JOHNSON CITY, TN (FHA|USDA|VA) 4 $710,000 $177,500 $4,807 4.19%
Orangeburg, SC (FHA|USDA|VA) 2 $710,000 $355,000 $0 4.00%
BELLINGHAM, WA (FHA|USDA|VA) 3 $705,000 $235,000 $12,322 3.54%
Hobbs, NM (FHA|USDA|VA) 4 $700,000 $175,000 $10,521 6.25%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $695,000 $231,667 $10,604 4.96%
TUSCALOOSA, AL (FHA|USDA|VA) 5 $695,000 $139,000 $8,015 5.65%
FAYETTEVILLE, NC (FHA|USDA|VA) 5 $695,000 $139,000 $7,231 4.38%
Newport, OR (FHA|USDA|VA) 2 $690,000 $345,000 $10,342 5.75%
GAINESVILLE, GA (FHA|USDA|VA) 4 $690,000 $172,500 $6,196 4.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $685,000 $228,333 $9,021 5.54%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 5 $685,000 $137,000 $7,751 4.20%
BANGOR, ME (FHA|USDA|VA) 6 $680,000 $113,333 $6,361 5.04%
GLENS FALLS, NY (FHA|USDA|VA) 6 $680,000 $113,333 $7,751 5.71%
TYLER, TX (FHA|USDA|VA) 3 $675,000 $225,000 $9,645 3.67%
BURLINGTON, NC (FHA|USDA|VA) 4 $670,000 $167,500 $9,407 3.97%
CARSON CITY, NV (FHA|USDA|VA) 2 $670,000 $335,000 $0 6.44%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $665,000 $221,667 $10,749 4.58%
JEFFERSON CITY, MO (FHA|USDA|VA) 5 $665,000 $133,000 $3,508 6.08%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $660,000 $330,000 $10,651 5.63%
Lewisburg, TN (FHA|USDA|VA) 3 $655,000 $218,333 $7,119 4.63%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $650,000 $162,500 $5,869 6.25%
SYRACUSE, NY (FHA|USDA|VA) 6 $650,000 $108,333 $6,626 4.96%
Helena, MT (FHA|USDA|VA) 2 $650,000 $325,000 $13,039 4.94%
MIDLAND, TX (FHA|USDA|VA) 3 $645,000 $215,000 $10,334 4.42%
DOVER, DE (FHA|USDA|VA) 3 $645,000 $215,000 $10,074 4.33%
YAKIMA, WA (FHA|USDA|VA) 3 $635,000 $211,667 $10,795 3.13%
ALEXANDRIA, LA (FHA|USDA|VA) 5 $625,000 $125,000 $7,401 4.85%
REDDING, CA (FHA|USDA|VA) 3 $615,000 $205,000 $7,822 5.08%
Warsaw, IN (FHA|USDA|VA) 4 $610,000 $152,500 $4,277 5.16%
Dayton, TN (FHA|USDA|VA) 4 $610,000 $152,500 $6,798 4.66%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $610,000 $305,000 $8,587 5.75%
Ardmore, OK (FHA|USDA|VA) 5 $605,000 $121,000 $7,043 5.63%
Brownwood, TX (FHA|USDA|VA) 3 $595,000 $198,333 $7,276 5.54%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 4 $590,000 $147,500 $7,962 4.66%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $585,000 $195,000 $10,210 6.21%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $585,000 $195,000 $13,062 7.33%
Coos Bay, OR (FHA|USDA|VA) 2 $580,000 $290,000 $7,348 3.63%
Tullahoma-Manchester, TN (FHA|USDA|VA) 4 $580,000 $145,000 $5,107 5.31%
Fort Polk South, LA (FHA|USDA|VA) 3 $575,000 $191,667 $6,185 5.54%
PINE BLUFF, AR (FHA|USDA|VA) 5 $575,000 $115,000 $6,649 6.10%
Outside of Metro Areas 2 $570,000 $285,000 $11,377 3.69%
Lawrenceburg, TN (FHA|USDA|VA) 3 $565,000 $188,333 $9,155 5.21%
Greenville, OH (FHA|USDA|VA) 5 $565,000 $113,000 $5,259 5.53%
MUSKEGON, MI (FHA|USDA|VA) 4 $550,000 $137,500 $2,606 6.13%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $540,000 $270,000 $10,219 4.56%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $540,000 $270,000 $0 3.25%
Fort Leonard Wood, MO (FHA|USDA|VA) 3 $535,000 $178,333 $0 4.71%
Tupelo, MS (FHA|USDA|VA) 4 $530,000 $132,500 $8,417 5.19%
El Campo, TX (FHA|USDA|VA) 1 $525,000 $525,000 $0 4.63%
MOBILE, AL (FHA|USDA|VA) 4 $520,000 $130,000 $4,813 4.91%
North Wilkesboro, NC (FHA|USDA|VA) 3 $515,000 $171,667 $10,907 3.50%
ABILENE, TX (FHA|USDA|VA) 3 $515,000 $171,667 $4,848 7.08%
Astoria, OR (FHA|USDA|VA) 2 $510,000 $255,000 $13,512 3.25%
Las Vegas, NM (FHA|USDA|VA) 2 $510,000 $255,000 $4,749 4.06%
Calhoun, GA (FHA|USDA|VA) 4 $510,000 $127,500 $5,647 4.22%
Granbury, TX (FHA|USDA|VA) 4 $510,000 $127,500 $8,588 5.28%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $500,000 $250,000 $0 4.00%
BISMARCK, ND (FHA|USDA|VA) 2 $500,000 $250,000 $7,143 4.56%
Susanville, CA (FHA|USDA|VA) 2 $500,000 $250,000 $12,949 3.88%
Malone, NY (FHA|USDA|VA) 3 $495,000 $165,000 $6,544 4.54%
Fallon, NV (FHA|USDA|VA) 2 $490,000 $245,000 $12,888 4.88%
Jefferson, GA (FHA|USDA|VA) 2 $490,000 $245,000 $8,300 4.56%
Roanoke Rapids, NC (FHA|USDA|VA) 3 $485,000 $161,667 $10,244 4.75%
Huntsville, TX (FHA|USDA|VA) 3 $485,000 $161,667 $8,234 4.54%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $485,000 $161,667 $6,735 4.83%
Waycross, GA (FHA|USDA|VA) 4 $480,000 $120,000 $6,287 5.66%
Arcadia, FL (FHA|USDA|VA) 2 $480,000 $240,000 $10,627 5.68%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 3 $475,000 $158,333 $5,045 5.88%
HINESVILLE, GA (FHA|USDA|VA) 3 $465,000 $155,000 $7,876 4.04%
Madisonville, KY (FHA|USDA|VA) 3 $465,000 $155,000 $9,742 4.46%
Warrensburg, MO (FHA|USDA|VA) 3 $465,000 $155,000 $8,004 4.63%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $460,000 $230,000 $9,026 4.94%
Big Rapids, MI (FHA|USDA|VA) 4 $460,000 $115,000 $7,610 4.31%
Silver City, NM (FHA|USDA|VA) 2 $460,000 $230,000 $10,722 6.25%
McComb, MS (FHA|USDA|VA) 1 $455,000 $455,000 $4,309 4.38%
FLINT, MI (FHA|USDA|VA) 3 $455,000 $151,667 $13,517 5.63%
EL PASO, TX (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.63%
Wauchula, FL (FHA|USDA|VA) 2 $450,000 $225,000 $10,911 5.88%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $450,000 $225,000 $8,417 5.19%
Pahrump, NV (FHA|USDA|VA) 4 $450,000 $112,500 $7,115 4.78%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $450,000 $225,000 $9,364 5.06%
La Grande, OR (FHA|USDA|VA) 1 $445,000 $445,000 $6,076 4.13%
CHARLESTON, WV (FHA|USDA|VA) 3 $445,000 $148,333 $8,406 5.04%
Georgetown, SC (FHA|USDA|VA) 2 $440,000 $220,000 $0 5.25%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 4 $440,000 $110,000 $6,353 4.44%
STAUNTON, VA (FHA|USDA|VA) 3 $435,000 $145,000 $8,710 5.04%
OWENSBORO, KY (FHA|USDA|VA) 3 $435,000 $145,000 $3,782 4.63%
Moses Lake, WA (FHA|USDA|VA) 3 $435,000 $145,000 $6,956 2.92%
Seneca Falls, NY (FHA|USDA|VA) 2 $430,000 $215,000 $14,129 5.94%
VALDOSTA, GA (FHA|USDA|VA) 3 $425,000 $141,667 $1,490 4.54%
MANSFIELD, OH (FHA|USDA|VA) 1 $425,000 $425,000 $5,266 4.88%
LOGAN, UT-ID (FHA|USDA|VA) 1 $425,000 $425,000 $0 4.63%
Brevard, NC (FHA|USDA|VA) 3 $425,000 $141,667 $8,950 4.29%
Athens, TN (FHA|USDA|VA) 3 $425,000 $141,667 $4,849 4.54%
Sunbury, PA (FHA|USDA|VA) 4 $420,000 $105,000 $5,591 6.44%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $420,000 $210,000 $8,172 4.25%
Greenwood, SC (FHA|USDA|VA) 2 $420,000 $210,000 $9,331 4.88%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $415,000 $138,333 $4,087 4.29%
Russellville, AR (FHA|USDA|VA) 2 $410,000 $205,000 $6,805 6.56%
Alexander City, AL (FHA|USDA|VA) 3 $405,000 $135,000 $6,142 5.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.75%
Marietta, OH (FHA|USDA|VA) 3 $405,000 $135,000 $8,619 6.00%
Albemarle, NC (FHA|USDA|VA) 2 $400,000 $200,000 $9,574 5.00%
Wilson, NC (FHA|USDA|VA) 2 $400,000 $200,000 $6,843 4.88%
Okeechobee, FL (FHA|USDA|VA) 3 $395,000 $131,667 $6,913 4.17%
Lebanon, MO (FHA|USDA|VA) 3 $395,000 $131,667 $8,877 5.29%
PUEBLO, CO (FHA|USDA|VA) 1 $395,000 $395,000 $0 6.75%
KANKAKEE, IL (FHA|USDA|VA) 2 $390,000 $195,000 $11,750 6.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $390,000 $195,000 $2,257 5.31%
Frankfort, KY (FHA|USDA|VA) 2 $390,000 $195,000 $5,944 5.94%
SAVANNAH, GA (FHA|USDA|VA) 1 $385,000 $385,000 $0 6.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $385,000 $385,000 $34,037 7.25%
HATTIESBURG, MS (FHA|USDA|VA) 3 $385,000 $128,333 $8,864 5.21%
Salem, OH (FHA|USDA|VA) 3 $385,000 $128,333 $7,384 3.88%
VISALIA, CA (FHA|USDA|VA) 2 $380,000 $190,000 $8,125 6.19%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $375,000 $375,000 $17,870 5.75%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $370,000 $185,000 $6,754 5.56%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $370,000 $185,000 $5,637 4.81%
Newberry, SC (FHA|USDA|VA) 2 $370,000 $185,000 $8,758 5.63%
READING, PA (FHA|USDA|VA) 2 $360,000 $180,000 $10,285 4.19%
Rolla, MO (FHA|USDA|VA) 2 $360,000 $180,000 $0 4.88%
Athens, TX (FHA|USDA|VA) 2 $360,000 $180,000 $11,198 4.69%
Frankfort, IN (FHA|USDA|VA) 1 $355,000 $355,000 $10,012 6.75%
CHICO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $12,352 4.13%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $355,000 $355,000 $9,147 5.63%
Washington, IN (FHA|USDA|VA) 1 $355,000 $355,000 $0 5.50%
Red Wing, MN (FHA|USDA|VA) 1 $355,000 $355,000 $0 7.25%
Pearsall, TX (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.25%
Kerrville, TX (FHA|USDA|VA) 1 $355,000 $355,000 $6,776 7.63%
CASPER, WY (FHA|USDA|VA) 2 $350,000 $175,000 $6,908 4.31%
Bogalusa, LA (FHA|USDA|VA) 2 $350,000 $175,000 $0 6.00%
Atmore, AL (FHA|USDA|VA) 2 $350,000 $175,000 $8,553 4.19%
Sanford, NC (FHA|USDA|VA) 2 $350,000 $175,000 $9,962 4.31%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $345,000 $115,000 $5,184 4.46%
Hood River, OR (FHA|USDA|VA) 1 $345,000 $345,000 $9,622 4.25%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $340,000 $170,000 $7,712 4.31%
DALTON, GA (FHA|USDA|VA) 2 $340,000 $170,000 $0 4.94%
YUBA CITY, CA (FHA|USDA|VA) 1 $335,000 $335,000 $13,946 6.00%
Traverse City, MI (FHA|USDA|VA) 1 $335,000 $335,000 $0 6.75%
FRESNO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $8,910 4.38%
Ruston, LA (FHA|USDA|VA) 1 $335,000 $335,000 $13,325 4.63%
Meadville, PA (FHA|USDA|VA) 3 $335,000 $111,667 $3,892 3.58%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $330,000 $165,000 $3,748 3.38%
Henderson, NC (FHA|USDA|VA) 3 $325,000 $108,333 $4,879 4.25%
Nogales, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $0 6.75%
Minot, ND (FHA|USDA|VA) 1 $325,000 $325,000 $0 6.75%
Minden, LA (FHA|USDA|VA) 3 $325,000 $108,333 $4,749 4.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.00%
Fredericksburg, TX (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.25%
Ruidoso, NM (FHA|USDA|VA) 1 $325,000 $325,000 $5,172 2.75%
Statesboro, GA (FHA|USDA|VA) 2 $320,000 $160,000 $6,270 5.19%
Pottsville, PA (FHA|USDA|VA) 2 $320,000 $160,000 $7,179 5.00%
Huntington, IN (FHA|USDA|VA) 3 $315,000 $105,000 $3,230 5.58%
ALBANY, GA (FHA|USDA|VA) 3 $315,000 $105,000 $4,876 5.33%
Pecos, TX (FHA|USDA|VA) 3 $315,000 $105,000 $7,943 5.92%
Richmond, IN (FHA|USDA|VA) 4 $310,000 $77,500 $3,880 4.56%
Sidney, OH (FHA|USDA|VA) 2 $310,000 $155,000 $0 3.81%
Cambridge, OH (FHA|USDA|VA) 2 $310,000 $155,000 $3,179 4.06%
Durango, CO (FHA|USDA|VA) 1 $305,000 $305,000 $9,907 4.13%
Cullman, AL (FHA|USDA|VA) 3 $305,000 $101,667 $3,334 4.54%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $305,000 $305,000 $9,649 5.75%
Ellensburg, WA (FHA|USDA|VA) 1 $305,000 $305,000 $0 6.00%
Celina, OH (FHA|USDA|VA) 1 $295,000 $295,000 $0 5.00%
Richmond-Berea, KY (FHA|USDA|VA) 2 $290,000 $145,000 $5,600 6.38%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $285,000 $285,000 $10,165 6.25%
Gaffney, SC (FHA|USDA|VA) 2 $280,000 $140,000 $6,745 4.31%
Big Spring, TX (FHA|USDA|VA) 2 $280,000 $140,000 $7,601 5.94%
Red Bluff, CA (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.75%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $275,000 $275,000 $12,873 3.63%
MANHATTAN, KS (FHA|USDA|VA) 1 $265,000 $265,000 $19,581 6.25%
TWIN FALLS, ID (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.00%
GREENVILLE, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 6.25%
WHEELING, WV-OH (FHA|USDA|VA) 2 $260,000 $130,000 $7,835 4.56%
ALTOONA, PA (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.25%
Mountain Home, AR (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.25%
Malvern, AR (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.50%
Marion, NC (FHA|USDA|VA) 2 $250,000 $125,000 $8,999 3.81%
Oil City, PA (FHA|USDA|VA) 2 $250,000 $125,000 $4,235 4.50%
Mount Pleasant, MI (FHA|USDA|VA) 2 $250,000 $125,000 $9,191 4.25%
Batesville, AR (FHA|USDA|VA) 2 $250,000 $125,000 $0 3.88%
MADISON, WI (FHA|USDA|VA) 1 $245,000 $245,000 $0 6.75%
Martin, TN (FHA|USDA|VA) 1 $245,000 $245,000 $1,127 4.50%
Keene, NH (FHA|USDA|VA) 1 $245,000 $245,000 $5,878 6.13%
Lebanon, NH-VT (FHA|USDA|VA) 2 $240,000 $120,000 $6,959 4.38%
BINGHAMTON, NY (FHA|USDA|VA) 2 $240,000 $120,000 $8,497 4.81%
Danville, KY (FHA|USDA|VA) 2 $240,000 $120,000 $0 4.81%
PITTSFIELD, MA (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.13%
Beaver Dam, WI (FHA|USDA|VA) 1 $235,000 $235,000 $8,950 5.13%
TOPEKA, KS (FHA|USDA|VA) 1 $235,000 $235,000 $0 2.75%
JACKSON, MI (FHA|USDA|VA) 2 $230,000 $115,000 $3,865 4.19%
BILLINGS, MT (FHA|USDA|VA) 1 $225,000 $225,000 $8,629 3.88%
West Plains, MO (FHA|USDA|VA) 1 $225,000 $225,000 $6,898 4.25%
Baraboo, WI (FHA|USDA|VA) 1 $225,000 $225,000 $3,496 6.38%
Jasper, AL (FHA|USDA|VA) 2 $220,000 $110,000 $5,862 6.50%
Zanesville, OH (FHA|USDA|VA) 2 $220,000 $110,000 $5,893 4.63%
Garden City, KS (FHA|USDA|VA) 2 $220,000 $110,000 $4,818 5.38%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $220,000 $110,000 $5,225 5.88%
Auburn, NY (FHA|USDA|VA) 3 $215,000 $71,667 $6,311 4.08%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $215,000 $215,000 $6,538 4.75%
Bainbridge, GA (FHA|USDA|VA) 1 $215,000 $215,000 $8,090 5.63%
Scottsburg, IN (FHA|USDA|VA) 1 $215,000 $215,000 $2,157 5.63%
Oak Harbor, WA (FHA|USDA|VA) 1 $215,000 $215,000 $5,239 5.75%
New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $210,000 $105,000 $5,798 3.56%
Oneonta, NY (FHA|USDA|VA) 2 $210,000 $105,000 $5,534 4.00%
McAlester, OK (FHA|USDA|VA) 2 $210,000 $105,000 $4,068 5.81%
Picayune, MS (FHA|USDA|VA) 2 $210,000 $105,000 $4,756 4.50%
Sayre, PA (FHA|USDA|VA) 2 $210,000 $105,000 $7,342 5.31%
Fort Payne, AL (FHA|USDA|VA) 1 $205,000 $205,000 $10,463 5.13%
Brownsville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $5,222 3.50%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $205,000 $205,000 $12,088 6.63%
Athens, OH (FHA|USDA|VA) 2 $200,000 $100,000 $6,212 5.50%
Seneca, SC (FHA|USDA|VA) 2 $200,000 $100,000 $5,738 4.69%
ST. CLOUD, MN (FHA|USDA|VA) 1 $195,000 $195,000 $7,170 6.75%
Bonham, TX (FHA|USDA|VA) 1 $195,000 $195,000 $10,525 5.50%
Bellefontaine, OH (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.25%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $195,000 $195,000 $9,395 5.38%
Mount Airy, NC (FHA|USDA|VA) 2 $190,000 $95,000 $1,085 4.25%
Murray, KY (FHA|USDA|VA) 2 $190,000 $95,000 $5,142 4.75%
FORT WAYNE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $9,730 5.13%
Morehead City, NC (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.88%
Wilmington, OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,695 6.75%
Cornelia, GA (FHA|USDA|VA) 1 $185,000 $185,000 $7,905 3.25%
GRANTS PASS, OR (FHA|USDA|VA) 1 $185,000 $185,000 $5,399 2.75%
JOHNSTOWN, PA (FHA|USDA|VA) 2 $180,000 $90,000 $6,789 5.00%
Troy, AL (FHA|USDA|VA) 2 $180,000 $90,000 $3,595 5.13%
FLORENCE, SC (FHA|USDA|VA) 1 $175,000 $175,000 $2,837 3.25%
Palestine, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,721 5.25%
Craig, CO (FHA|USDA|VA) 1 $175,000 $175,000 $3,143 4.63%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.75%
Starkville, MS (FHA|USDA|VA) 1 $175,000 $175,000 $6,917 3.63%
Kinston, NC (FHA|USDA|VA) 2 $170,000 $85,000 $5,603 4.50%
LaGrange, GA-AL (FHA|USDA|VA) 1 $165,000 $165,000 $9,788 6.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $165,000 $165,000 $10,581 4.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,205 4.25%
MUNCIE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $165,000 $165,000 $8,868 3.25%
NEW BERN, NC (FHA|USDA|VA) 1 $165,000 $165,000 $6,678 4.88%
Alexandria, MN (FHA|USDA|VA) 1 $165,000 $165,000 $8,273 3.25%
Cambridge, MD (FHA|USDA|VA) 1 $165,000 $165,000 $9,578 4.00%
ANN ARBOR, MI (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.25%
Prineville, OR (FHA|USDA|VA) 1 $165,000 $165,000 $7,857 4.00%
Andrews, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,355 5.63%
SPARTANBURG, SC (FHA|USDA|VA) 1 $165,000 $165,000 $10,273 7.25%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,098 5.00%
JACKSON, TN (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.00%
Dyersburg, TN (FHA|USDA|VA) 1 $165,000 $165,000 $3,960 4.13%
Alma, MI (FHA|USDA|VA) 1 $165,000 $165,000 $7,937 6.25%
Winnemucca, NV (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.00%
ROCKFORD, IL (FHA|USDA|VA) 2 $160,000 $80,000 $5,089 7.13%
Somerset, KY (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.13%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,086 6.75%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $155,000 $155,000 $7,607 4.38%
Scottsboro, AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,125 3.25%
Big Stone Gap, VA (FHA|USDA|VA) 1 $155,000 $155,000 $10,036 6.75%
GADSDEN, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.25%
Muskogee, OK (FHA|USDA|VA) 1 $155,000 $155,000 $4,537 6.25%
Shawnee, OK (FHA|USDA|VA) 1 $155,000 $155,000 $4,548 4.13%
Clarksburg, WV (FHA|USDA|VA) 1 $155,000 $155,000 $9,568 5.88%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $145,000 $145,000 $7,565 3.50%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.63%
Ozark, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,058 4.50%
Paducah, KY-IL (FHA|USDA|VA) 1 $145,000 $145,000 $7,944 5.50%
Brainerd, MN (FHA|USDA|VA) 1 $145,000 $145,000 $11,982 4.75%
RAPID CITY, SD (FHA|USDA|VA) 1 $145,000 $145,000 $5,885 4.00%
Coffeyville, KS (FHA|USDA|VA) 1 $145,000 $145,000 $5,040 6.25%
Riverton, WY (FHA|USDA|VA) 1 $145,000 $145,000 $7,080 6.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $145,000 $145,000 $5,478 2.75%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,914 4.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,306 6.00%
Cullowhee, NC (FHA|USDA|VA) 1 $145,000 $145,000 $5,796 3.25%
Kennett, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,860 5.75%
Angola, IN (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.75%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,050 3.63%
MIDLAND, MI (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.38%
Bedford, IN (FHA|USDA|VA) 1 $135,000 $135,000 $10,133 6.13%
Moultrie, GA (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.25%
Bluefield, WV-VA (FHA|USDA|VA) 1 $125,000 $125,000 $5,884 3.63%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $125,000 $125,000 $5,040 3.75%
GOLDSBORO, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,229 6.63%
El Dorado, AR (FHA|USDA|VA) 1 $125,000 $125,000 $9,054 7.63%
Houghton, MI (FHA|USDA|VA) 1 $125,000 $125,000 $6,082 5.88%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.75%
Rockport, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,469 3.25%
MONROE, MI (FHA|USDA|VA) 1 $125,000 $125,000 $3,849 2.50%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $120,000 $60,000 $4,026 5.06%
Coldwater, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,892 5.13%
Price, UT (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.50%
TOLEDO, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,041 5.00%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,360 6.63%
Vincennes, IN (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.63%
Wooster, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.88%
LAREDO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,094 6.25%
Cedartown, GA (FHA|USDA|VA) 1 $115,000 $115,000 $3,927 5.13%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,418 3.38%
Kendallville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,222 3.00%
North Vernon, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,662 3.25%
Nacogdoches, TX (FHA|USDA|VA) 1 $105,000 $105,000 $6,857 7.00%
Vernal, UT (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.13%
FARMINGTON, NM (FHA|USDA|VA) 1 $105,000 $105,000 $6,494 2.63%
New Castle, IN (FHA|USDA|VA) 1 $95,000 $95,000 $3,966 4.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.00%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.75%
Cookeville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $5,128 4.50%
Shelbyville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $8,897 4.63%
LAWTON, OK (FHA|USDA|VA) 1 $95,000 $95,000 $6,690 2.99%
Roswell, NM (FHA|USDA|VA) 1 $95,000 $95,000 $5,141 3.63%
New Castle, PA (FHA|USDA|VA) 1 $85,000 $85,000 $4,834 4.63%
Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $5,879 5.38%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $85,000 $85,000 $4,095 5.75%
Cedar City, UT (FHA|USDA|VA) 1 $85,000 $85,000 $6,974 5.25%
Boone, NC (FHA|USDA|VA) 1 $75,000 $75,000 $5,754 2.75%
Cadillac, MI (FHA|USDA|VA) 1 $75,000 $75,000 $4,435 6.50%
Hope, AR (FHA|USDA|VA) 1 $75,000 $75,000 $5,001 4.50%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.63%
Uvalde, TX (FHA|USDA|VA) 1 $75,000 $75,000 $5,548 5.63%
Ashtabula, OH (FHA|USDA|VA) 1 $65,000 $65,000 $5,549 4.75%
Crawfordsville, IN (FHA|USDA|VA) 1 $65,000 $65,000 $3,649 5.75%
Jasper, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.38%
Indiana, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,912 4.50%
Milledgeville, GA (FHA|USDA|VA) 1 $65,000 $65,000 $4,254 6.13%
Bennettsville, SC (FHA|USDA|VA) 1 $55,000 $55,000 $3,925 3.25%
Fremont, OH (FHA|USDA|VA) 1 $55,000 $55,000 $4,569 3.00%
ROME, GA (FHA|USDA|VA) 1 $55,000 $55,000 $4,809 3.63%
DuBois, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.75%
Rockingham, NC (FHA|USDA|VA) 1 $55,000 $55,000 $3,128 3.25%
PEORIA, IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.63%
American Financial Resources's top markets include Phoenix, Tampa, Atlanta, Knoxville, and Charleston among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 2,313 $471,005,000 $203,634 $9,532 5.06%
    Conventional 554 $90,730,000 $163,773 $5,743 4.65%
    VA 462 $129,370,000 $280,022 $7,731 4.97%
    USDA 244 $40,940,000 $167,787 $7,207 4.98%

    For 2022, American Financial Resources's most frequently originated type of loan was FHA, with 2,313 originations. Their 2nd most popular type was Conventional, with 554 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,885 $615,995,000 $213,516 $8,596 5.15%
    Cash Out Refi 534 $93,640,000 $175,356 $8,486 4.37%
    Refi 154 $22,410,000 $145,519 $6,254 3.76%

    For 2022, American Financial Resources's most frequently cited loan purpose was Home Purchase, with 2,885 originations. The 2nd most popular reason was Cash Out Refi, with 534 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,178 $651,430,000 $204,981 $8,769 5.08%
    Other 195 $56,545,000 $289,974 $7,191 4.38%
    20 Year 101 $12,935,000 $128,069 $5,764 4.38%
    15 Year 96 $10,960,000 $114,167 $4,886 3.42%
    10 Year 3 $175,000 $58,333 $4,048 3.71%

    For 2022, American Financial Resources's most frequently cited loan duration was 30 Year, with 3,178 originations. The 2nd most popular length was Other, with 195 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 970 $204,660,000 $210,990
    $1k-2k 661 $109,205,000 $165,212
    $5k+ 653 $184,585,000 $282,672
    $2k-3k 507 $83,995,000 $165,671
    $3k-4k 454 $82,640,000 $182,026
    $4k-5k 328 $66,960,000 $204,146

    American Financial Resources's average total fees were $8,769, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 970 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 907 $181,845,000 $200,491
    6-7% 808 $182,500,000 $225,866
    3-4% 770 $143,410,000 $186,247
    5-6% 767 $162,795,000 $212,249
    2.5-3% 175 $30,965,000 $176,943
    7-8% 129 $28,325,000 $219,574
    <2.5% 17 $2,205,000 $129,706

    During 2022, American Financial Resources's average interest rate for loans was 5.08%, while their most frequently originated rate bucket for loans was 4-5%, with 907 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,607 $240,925,000 $149,922 $7,321 4.87%
    $200k-400k 1,269 $346,555,000 $273,093 $10,425 5.13%
    $100,000 or less 477 $37,655,000 $78,941 $5,283 4.74%
    $400k-600k 198 $92,660,000 $467,980 $15,453 5.32%
    $600k-1MM 22 $14,250,000 $647,727 $16,212 5.35%

    2022 saw American Financial Resources place emphasis on $100k-200k loans with 1,607 originations, totaling $240,925,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,169 $219,675,000 $187,917 $8,282 4.89%
    $50k or less 1,056 $139,470,000 $132,074 $7,136 4.68%
    $75k-100k 684 $162,210,000 $237,149 $8,993 5.12%
    $100k-150k 511 $152,295,000 $298,033 $10,475 5.44%
    $150k-250k 136 $51,660,000 $379,853 $12,211 5.42%
    $250k+ 17 $6,735,000 $396,176 $13,363 5.82%

    American Financial Resources lent most frequently to those with incomes in the $50k-75k range, with 1,169 originations. The second most popular income band? $50k or less, with 1,056 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 569 $130,385,000 $229,148 $9,562 4.88%
    30-36% 555 $100,065,000 $180,297 $8,001 4.93%
    20-30% 438 $67,860,000 $154,932 $6,974 4.65%
    45% 150 $34,200,000 $228,000 $9,575 5.07%
    39% 149 $31,875,000 $213,926 $8,463 5.07%
    46% 149 $33,985,000 $228,087 $8,660 5.09%
    43% 149 $34,755,000 $233,255 $8,236 5.20%
    44% 147 $32,385,000 $220,306 $9,246 4.92%
    48% 144 $34,100,000 $236,806 $10,515 5.33%
    40% 143 $29,615,000 $207,098 $8,091 5.11%
    42% 143 $29,515,000 $206,399 $8,014 5.16%
    47% 138 $33,320,000 $241,449 $8,920 5.27%
    37% 126 $24,800,000 $196,825 $8,353 5.05%
    41% 120 $25,860,000 $215,500 $8,240 5.14%
    36% 115 $22,875,000 $198,913 $7,679 5.03%
    49% 113 $24,455,000 $216,416 $9,253 5.13%
    38% 107 $21,125,000 $197,430 $8,432 5.21%
    <20% 104 $15,530,000 $149,327 $6,551 4.33%
    >60% 14 $5,340,000 $381,429 $13,329 5.07%

    American Financial Resources lent most frequently to those with DTI ratios of 50-60%, with 569 originations. The next most common DTI ratio? 30-36%, with 555 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,735 $531,415,000 $194,302 $8,284 4.90%
    Black 410 $97,960,000 $238,927 $8,950 5.14%
    Not provided 364 $87,960,000 $241,648 $9,308 5.33%
    American Indian 32 $5,890,000 $184,063 $8,464 5.13%
    Filipino 11 $3,055,000 $277,727 $13,681 5.77%
    Asian 11 $3,025,000 $275,000 $16,530 4.95%
    Other Asian 2 $640,000 $320,000 $11,303 4.75%
    Guamanian 1 $455,000 $455,000 $0 5.50%
    Japanese 1 $425,000 $425,000 $0 4.50%
    Native Hawaiian 1 $355,000 $355,000 $0 6.25%
    Asian Indian 2 $320,000 $160,000 $6,588 4.88%
    Korean 1 $275,000 $275,000 $0 6.75%
    Other Pacific Islander 1 $155,000 $155,000 $0 5.13%
    Native Hawaiian or Islander 1 $115,000 $115,000 $0 6.25%

    Approval Rates

    Total approvals of all applications
    87.77%

    American Financial Resources has an average approval rate.

    Pick Rate

    Approvals leading to origination
    42.15%

    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 3,573 $732,045,000 $204,882

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,573 $732,045,000 $204,882

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 71 $7,095,000 $99,930 $4,755 4.21%
    40-60% 252 $32,450,000 $128,770 $6,207 4.46%
    60-80% 571 $97,385,000 $170,552 $7,853 4.61%
    80-100% 2,593 $568,015,000 $219,057 $8,857 5.13%
    Over 100% 83 $26,555,000 $319,940 $12,685 5.02%
    Under 20% 1 $65,000 $65,000 $3,249 4.75%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    American Financial Network Inc. FHA mortgage Trouble during payment process 1 100.0%