Zillow Home Loans Mortgage Rates, Fees & Info

TOPEKA, KS

LEI: 549300370QILXLFUWD20

Tax ID: 48-1236121

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Mortgage Data

Review & Overview

Zillow Home Loans is a small mortgage company specializing in Refi and Home Purchase loans. Zillow Home Loans 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: Seattle, Los Angeles, Washington, Atlanta, and Phoenix among others. We have data for 514 markets. (Some data included below & more in-depth data is available with an active subscription.)

Zillow Home Loans 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. Zillow Home Loans is typically a low 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 6.70% 3/28/24
30 Year Conventional Refi 6.31% 3/28/24
30 Year Cash-out Refi 6.61% 3/28/24
30 Year FHA Purchase 7.17% 3/28/24
30 Year FHA Refi 6.67% 3/28/24
30 Year VA Purchase 6.14% 3/28/24
30 Year VA Refi 6.05% 3/28/24
15 Year Conventional Purchase 5.95% 3/28/24
15 Year Conventional Refi 5.83% 3/28/24
15 Year Cash-out Refi 5.83% 3/28/24
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.

Zillow Home Loans Mortgage Calculator






Your Estimates

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

This is not an official calculator from Zillow Home Loans. 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

6,123

Origination Dollar Volume (All Markets)

$1,756,185,000
Show all (80) awards

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
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 521 $206,535,000 $396,420 $3,368 2.94%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 229 $92,665,000 $404,651 $3,415 2.94%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 214 $78,530,000 $366,963 $3,008 2.92%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 284 $73,730,000 $259,613 $3,073 3.17%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 179 $52,375,000 $292,598 $3,545 3.07%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 136 $49,890,000 $366,838 $3,380 3.05%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 117 $48,525,000 $414,744 $3,656 2.84%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 166 $44,880,000 $270,361 $4,598 3.10%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 131 $42,835,000 $326,985 $3,660 2.96%
Outside of Metro Areas 209 $42,105,000 $201,459 $3,049 3.35%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 131 $36,465,000 $278,359 $3,108 3.01%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 128 $33,810,000 $264,141 $4,244 3.09%
KANSAS CITY, MO-KS (FHA|USDA|VA) 143 $31,605,000 $221,014 $2,771 3.23%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 105 $30,795,000 $293,286 $3,552 3.02%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 108 $29,880,000 $276,667 $4,143 3.01%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 81 $28,845,000 $356,111 $3,376 2.89%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 72 $26,680,000 $370,556 $2,799 2.93%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 100 $24,630,000 $246,300 $3,039 3.11%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 86 $22,700,000 $263,953 $3,542 3.15%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 68 $21,780,000 $320,294 $2,903 2.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 70 $21,690,000 $309,857 $2,947 3.10%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 43 $21,105,000 $490,814 $3,612 2.92%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 67 $19,295,000 $287,985 $3,939 3.18%
RALEIGH-CARY, NC (FHA|USDA|VA) 66 $18,890,000 $286,212 $3,176 3.01%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 64 $18,540,000 $289,688 $3,200 3.09%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 61 $17,375,000 $284,836 $4,080 2.99%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 63 $15,805,000 $250,873 $3,862 3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 54 $12,770,000 $236,481 $4,162 3.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 56 $12,590,000 $224,821 $3,526 3.22%
COLORADO SPRINGS, CO (FHA|USDA|VA) 40 $11,990,000 $299,750 $4,626 3.15%
ST. LOUIS, MO-IL (FHA|USDA|VA) 41 $9,975,000 $243,293 $2,777 3.15%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 41 $9,805,000 $239,146 $3,307 3.12%
COLUMBUS, OH (FHA|USDA|VA) 35 $9,065,000 $259,000 $3,216 3.10%
RICHMOND, VA (FHA|USDA|VA) 32 $8,560,000 $267,500 $2,544 3.02%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 39 $8,055,000 $206,538 $2,810 3.27%
JACKSONVILLE, FL (FHA|USDA|VA) 35 $7,905,000 $225,857 $2,692 3.13%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 27 $7,585,000 $280,926 $2,756 3.05%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 18 $7,020,000 $390,000 $2,784 3.13%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 18 $7,000,000 $388,889 $2,914 2.87%
KNOXVILLE, TN (FHA|USDA|VA) 25 $6,825,000 $273,000 $2,913 3.01%
FRESNO, CA (FHA|USDA|VA) 23 $6,775,000 $294,565 $3,197 3.16%
STOCKTON, CA (FHA|USDA|VA) 22 $6,570,000 $298,636 $2,816 3.14%
PITTSBURGH, PA (FHA|USDA|VA) 27 $6,535,000 $242,037 $3,989 3.10%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 28 $6,490,000 $231,786 $2,966 3.04%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 18 $6,440,000 $357,778 $3,883 3.08%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 25 $6,425,000 $257,000 $2,985 3.07%
BOULDER, CO (FHA|USDA|VA) 19 $6,375,000 $335,526 $3,242 2.87%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 23 $6,275,000 $272,826 $3,610 3.04%
BOISE CITY, ID (FHA|USDA|VA) 22 $6,030,000 $274,091 $4,522 3.06%
WORCESTER, MA-CT (FHA|USDA|VA) 20 $5,780,000 $289,000 $3,195 3.16%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 27 $5,725,000 $212,037 $3,779 3.08%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 20 $5,640,000 $282,000 $4,665 3.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 18 $5,620,000 $312,222 $3,124 3.13%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 22 $5,550,000 $252,273 $4,369 3.16%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 18 $5,420,000 $301,111 $2,777 2.89%
COLUMBIA, SC (FHA|USDA|VA) 22 $5,060,000 $230,000 $2,927 3.21%
TUCSON, AZ (FHA|USDA|VA) 24 $5,010,000 $208,750 $3,351 3.19%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 21 $4,925,000 $234,524 $3,535 2.96%
BELLINGHAM, WA (FHA|USDA|VA) 14 $4,860,000 $347,143 $2,926 2.89%
GREELEY, CO (FHA|USDA|VA) 13 $4,585,000 $352,692 $3,952 3.15%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $4,385,000 $257,941 $4,013 3.41%
FORT COLLINS, CO (FHA|USDA|VA) 16 $4,270,000 $266,875 $3,326 3.01%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 14 $4,250,000 $303,571 $4,284 3.05%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 19 $4,245,000 $223,421 $3,130 3.34%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 20 $4,100,000 $205,000 $3,325 3.16%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 17 $4,055,000 $238,529 $3,761 3.20%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 19 $3,965,000 $208,684 $3,186 3.25%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 12 $3,930,000 $327,500 $3,461 3.15%
OKLAHOMA CITY, OK (FHA|USDA|VA) 21 $3,925,000 $186,905 $3,337 3.20%
BAKERSFIELD, CA (FHA|USDA|VA) 12 $3,810,000 $317,500 $3,961 3.05%
ALBUQUERQUE, NM (FHA|USDA|VA) 18 $3,790,000 $210,556 $3,765 3.21%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 15 $3,755,000 $250,333 $4,135 3.03%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 9 $3,685,000 $409,444 $2,677 2.97%
VALLEJO, CA (FHA|USDA|VA) 12 $3,660,000 $305,000 $2,628 2.90%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 17 $3,655,000 $215,000 $2,413 3.26%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 14 $3,650,000 $260,714 $3,606 3.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 17 $3,605,000 $212,059 $2,796 3.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 16 $3,510,000 $219,375 $3,698 3.16%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 9 $3,475,000 $386,111 $2,672 2.81%
SALEM, OR (FHA|USDA|VA) 14 $3,450,000 $246,429 $4,016 2.98%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 16 $3,440,000 $215,000 $2,819 3.14%
YAKIMA, WA (FHA|USDA|VA) 11 $3,415,000 $310,455 $2,786 3.00%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 10 $3,380,000 $338,000 $3,666 2.98%
SALINAS, CA (FHA|USDA|VA) 8 $3,360,000 $420,000 $3,871 3.23%
SALISBURY, MD-DE (FHA|USDA|VA) 13 $3,355,000 $258,077 $4,307 3.18%
BEND, OR (FHA|USDA|VA) 11 $3,335,000 $303,182 $3,585 2.89%
LOUISVILLE, KY (FHA|USDA|VA) 13 $3,325,000 $255,769 $3,598 3.13%
TALLAHASSEE, FL (FHA|USDA|VA) 14 $3,190,000 $227,857 $4,218 3.38%
SAVANNAH, GA (FHA|USDA|VA) 13 $3,035,000 $233,462 $3,279 3.14%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 14 $3,030,000 $216,429 $3,999 3.21%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 8 $2,920,000 $365,000 $2,780 2.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 14 $2,830,000 $202,143 $3,500 3.31%
RENO, NV (FHA|USDA|VA) 9 $2,825,000 $313,889 $3,312 3.18%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 11 $2,815,000 $255,909 $4,098 3.39%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 8 $2,590,000 $323,750 $2,834 3.22%
TULSA, OK (FHA|USDA|VA) 11 $2,515,000 $228,636 $4,372 3.18%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 11 $2,505,000 $227,727 $3,326 3.14%
OCALA, FL (FHA|USDA|VA) 12 $2,460,000 $205,000 $2,855 3.39%
LANCASTER, PA (FHA|USDA|VA) 11 $2,425,000 $220,455 $3,181 3.22%
WILMINGTON, NC (FHA|USDA|VA) 9 $2,405,000 $267,222 $2,912 2.92%
LAWRENCE, KS (FHA|USDA|VA) 9 $2,305,000 $256,111 $2,933 3.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 10 $2,300,000 $230,000 $5,028 2.99%
WINSTON-SALEM, NC (FHA|USDA|VA) 10 $2,290,000 $229,000 $2,319 3.28%
ASHEVILLE, NC (FHA|USDA|VA) 7 $2,245,000 $320,714 $3,814 3.20%
ANN ARBOR, MI (FHA|USDA|VA) 7 $2,165,000 $309,286 $1,968 3.14%
AKRON, OH (FHA|USDA|VA) 8 $2,150,000 $268,750 $2,857 2.83%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 13 $2,135,000 $164,231 $3,250 3.23%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 6 $2,100,000 $350,000 $3,360 2.92%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 9 $2,005,000 $222,778 $3,166 3.03%
WINCHESTER, VA-WV (FHA|USDA|VA) 6 $2,000,000 $333,333 $2,684 2.67%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 8 $1,990,000 $248,750 $4,209 3.09%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $1,985,000 $283,571 $2,800 3.09%
WICHITA, KS (FHA|USDA|VA) 10 $1,970,000 $197,000 $3,123 3.28%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $1,950,000 $243,750 $3,625 2.95%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $1,945,000 $277,857 $4,106 3.04%
GAINESVILLE, GA (FHA|USDA|VA) 8 $1,940,000 $242,500 $3,579 3.03%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 9 $1,915,000 $212,778 $3,402 3.17%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $1,895,000 $270,714 $4,180 3.09%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $1,880,000 $313,333 $2,225 3.15%
WENATCHEE, WA (FHA|USDA|VA) 7 $1,865,000 $266,429 $2,933 3.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 7 $1,855,000 $265,000 $2,143 3.14%
SPRINGFIELD, MA (FHA|USDA|VA) 7 $1,825,000 $260,714 $4,189 3.14%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 8 $1,800,000 $225,000 $1,807 3.22%
HUNTSVILLE, AL (FHA|USDA|VA) 7 $1,775,000 $253,571 $4,691 3.00%
MODESTO, CA (FHA|USDA|VA) 7 $1,745,000 $249,286 $4,011 2.88%
FORT WAYNE, IN (FHA|USDA|VA) 9 $1,695,000 $188,333 $2,799 3.29%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $1,685,000 $187,222 $3,218 3.11%
Outside of Metro Areas 6 $1,660,000 $276,667 $5,531 3.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,660,000 $276,667 $4,693 3.10%
GAINESVILLE, FL (FHA|USDA|VA) 8 $1,650,000 $206,250 $2,999 3.09%
PUEBLO, CO (FHA|USDA|VA) 6 $1,640,000 $273,333 $4,470 2.98%
Torrington, CT (FHA|USDA|VA) 5 $1,605,000 $321,000 $2,793 3.03%
PANAMA CITY, FL (FHA|USDA|VA) 7 $1,595,000 $227,857 $2,807 3.11%
DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $1,590,000 $198,750 $2,922 3.16%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $1,585,000 $176,111 $3,970 3.19%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,560,000 $260,000 $3,628 3.44%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,550,000 $258,333 $4,294 3.15%
MERCED, CA (FHA|USDA|VA) 6 $1,540,000 $256,667 $2,639 3.00%
MEDFORD, OR (FHA|USDA|VA) 6 $1,530,000 $255,000 $3,117 3.33%
LONGVIEW, WA (FHA|USDA|VA) 6 $1,490,000 $248,333 $2,601 2.96%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $1,475,000 $295,000 $3,879 3.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 6 $1,470,000 $245,000 $3,053 3.38%
Aberdeen, WA (FHA|USDA|VA) 7 $1,465,000 $209,286 $3,198 3.05%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $1,425,000 $285,000 $2,388 3.10%
Ukiah, CA (FHA|USDA|VA) 3 $1,405,000 $468,333 $3,376 3.08%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $1,360,000 $340,000 $3,542 2.94%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 7 $1,345,000 $192,143 $2,961 3.41%
EAST STROUDSBURG, PA (FHA|USDA|VA) 8 $1,330,000 $166,250 $3,655 3.33%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $1,310,000 $218,333 $4,145 3.23%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,275,000 $425,000 $3,339 2.92%
JACKSON, MS (FHA|USDA|VA) 6 $1,270,000 $211,667 $3,566 3.23%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,260,000 $210,000 $5,082 3.21%
JOPLIN, MO (FHA|USDA|VA) 6 $1,250,000 $208,333 $2,656 3.40%
SANTA FE, NM (FHA|USDA|VA) 4 $1,230,000 $307,500 $3,461 2.94%
LUBBOCK, TX (FHA|USDA|VA) 6 $1,230,000 $205,000 $3,976 3.33%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,170,000 $292,500 $3,557 2.97%
LINCOLN, NE (FHA|USDA|VA) 5 $1,165,000 $233,000 $3,885 3.33%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 7 $1,155,000 $165,000 $3,763 3.25%
LAS CRUCES, NM (FHA|USDA|VA) 5 $1,135,000 $227,000 $3,425 3.35%
CHICO, CA (FHA|USDA|VA) 5 $1,135,000 $227,000 $4,316 3.10%
BATON ROUGE, LA (FHA|USDA|VA) 6 $1,130,000 $188,333 $3,566 3.31%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,098 3.48%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,672 3.35%
PITTSFIELD, MA (FHA|USDA|VA) 4 $1,100,000 $275,000 $3,733 3.38%
MADISON, WI (FHA|USDA|VA) 5 $1,095,000 $219,000 $3,077 3.10%
Shelton, WA (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,628 2.88%
TOLEDO, OH (FHA|USDA|VA) 6 $1,070,000 $178,333 $3,470 3.27%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,057 3.30%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 6 $1,020,000 $170,000 $4,033 3.02%
Traverse City, MI (FHA|USDA|VA) 4 $990,000 $247,500 $2,375 2.91%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $985,000 $328,333 $2,936 2.71%
CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $975,000 $195,000 $3,496 3.18%
Brainerd, MN (FHA|USDA|VA) 5 $945,000 $189,000 $2,686 3.15%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $930,000 $232,500 $5,385 3.41%
LYNCHBURG, VA (FHA|USDA|VA) 5 $925,000 $185,000 $1,984 3.30%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 4 $920,000 $230,000 $2,782 3.06%
SPRINGFIELD, MO (FHA|USDA|VA) 6 $920,000 $153,333 $3,447 3.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $915,000 $183,000 $3,062 3.35%
GREEN BAY, WI (FHA|USDA|VA) 3 $915,000 $305,000 $2,134 3.46%
Boone, NC (FHA|USDA|VA) 4 $900,000 $225,000 $2,378 2.97%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $895,000 $298,333 $5,489 3.00%
THE VILLAGES, FL (FHA|USDA|VA) 4 $890,000 $222,500 $3,746 3.09%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $885,000 $295,000 $3,034 2.71%
Key West, FL (FHA|USDA|VA) 2 $870,000 $435,000 $7,638 2.56%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $860,000 $215,000 $5,212 3.13%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $855,000 $171,000 $3,913 2.98%
Cornelia, GA (FHA|USDA|VA) 3 $845,000 $281,667 $2,433 3.29%
DALTON, GA (FHA|USDA|VA) 2 $840,000 $420,000 $1,287 3.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $835,000 $278,333 $6,100 2.92%
EL PASO, TX (FHA|USDA|VA) 4 $820,000 $205,000 $2,849 3.22%
Kill Devil Hills, NC (FHA|USDA|VA) 3 $815,000 $271,667 $2,566 2.79%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $815,000 $271,667 $2,561 3.17%
FLORENCE, SC (FHA|USDA|VA) 3 $805,000 $268,333 $1,823 2.92%
Sonora, CA (FHA|USDA|VA) 3 $805,000 $268,333 $3,993 3.17%
Stillwater, OK (FHA|USDA|VA) 5 $805,000 $161,000 $3,499 3.20%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $785,000 $261,667 $2,147 3.17%
MUSKEGON, MI (FHA|USDA|VA) 3 $775,000 $258,333 $5,296 3.08%
Eureka-Arcata, CA (FHA|USDA|VA) 4 $770,000 $192,500 $2,693 3.50%
Sevierville, TN (FHA|USDA|VA) 2 $760,000 $380,000 $3,118 3.44%
CORVALLIS, OR (FHA|USDA|VA) 3 $745,000 $248,333 $2,940 2.83%
SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $740,000 $185,000 $4,908 3.31%
Cullman, AL (FHA|USDA|VA) 2 $740,000 $370,000 $1,654 3.13%
Athens, TX (FHA|USDA|VA) 3 $735,000 $245,000 $4,244 3.38%
MANHATTAN, KS (FHA|USDA|VA) 4 $730,000 $182,500 $1,651 3.53%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $725,000 $241,667 $4,015 2.96%
Crescent City, CA (FHA|USDA|VA) 2 $720,000 $360,000 $2,400 3.13%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $705,000 $141,000 $2,923 3.60%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $695,000 $231,667 $5,151 3.17%
READING, PA (FHA|USDA|VA) 4 $690,000 $172,500 $5,216 3.31%
LAFAYETTE, LA (FHA|USDA|VA) 3 $685,000 $228,333 $3,215 3.25%
DULUTH, MN-WI (FHA|USDA|VA) 4 $670,000 $167,500 $2,184 3.09%
MADERA, CA (FHA|USDA|VA) 2 $670,000 $335,000 $3,457 3.38%
STAUNTON, VA (FHA|USDA|VA) 4 $660,000 $165,000 $3,090 3.34%
LEBANON, PA (FHA|USDA|VA) 3 $655,000 $218,333 $4,147 2.83%
Newport, OR (FHA|USDA|VA) 3 $655,000 $218,333 $2,577 3.17%
ABILENE, TX (FHA|USDA|VA) 4 $650,000 $162,500 $3,106 3.72%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $645,000 $215,000 $1,772 3.17%
Centralia, WA (FHA|USDA|VA) 3 $635,000 $211,667 $3,151 3.08%
RACINE, WI (FHA|USDA|VA) 3 $635,000 $211,667 $2,137 3.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $630,000 $315,000 $2,033 3.06%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $630,000 $157,500 $2,485 3.38%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $625,000 $208,333 $2,678 2.92%
FLINT, MI (FHA|USDA|VA) 3 $615,000 $205,000 $3,727 2.96%
MONROE, LA (FHA|USDA|VA) 3 $615,000 $205,000 $3,438 3.29%
Durango, CO (FHA|USDA|VA) 2 $610,000 $305,000 $4,962 2.94%
COLUMBIA, MO (FHA|USDA|VA) 3 $595,000 $198,333 $1,216 3.38%
WALLA WALLA, WA (FHA|USDA|VA) 2 $590,000 $295,000 $2,638 3.00%
LAREDO, TX (FHA|USDA|VA) 2 $580,000 $290,000 $5,510 2.88%
Mineral Wells, TX (FHA|USDA|VA) 2 $570,000 $285,000 $3,834 3.38%
Port Angeles, WA (FHA|USDA|VA) 2 $570,000 $285,000 $2,856 2.94%
SPARTANBURG, SC (FHA|USDA|VA) 3 $565,000 $188,333 $2,257 3.75%
MOBILE, AL (FHA|USDA|VA) 3 $565,000 $188,333 $3,782 3.21%
Garden City, KS (FHA|USDA|VA) 3 $565,000 $188,333 $3,247 2.96%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 4 $550,000 $137,500 $3,578 3.47%
MORRISTOWN, TN (FHA|USDA|VA) 2 $550,000 $275,000 $4,063 2.94%
Starkville, MS (FHA|USDA|VA) 2 $550,000 $275,000 $2,747 3.00%
REDDING, CA (FHA|USDA|VA) 3 $545,000 $181,667 $3,225 3.54%
HATTIESBURG, MS (FHA|USDA|VA) 3 $545,000 $181,667 $2,667 3.29%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $545,000 $181,667 $2,431 3.13%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $545,000 $181,667 $1,830 3.58%
Easton, MD (FHA|USDA|VA) 2 $540,000 $270,000 $2,921 3.44%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $535,000 $178,333 $7,453 3.67%
JACKSON, TN (FHA|USDA|VA) 3 $535,000 $178,333 $3,195 3.42%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $530,000 $265,000 $2,947 2.81%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $530,000 $265,000 $6,848 3.38%
FARGO, ND-MN (FHA|USDA|VA) 2 $520,000 $260,000 $2,421 3.25%
DECATUR, IL (FHA|USDA|VA) 3 $515,000 $171,667 $2,158 3.25%
CaƱon City, CO (FHA|USDA|VA) 1 $515,000 $515,000 $1,800 2.75%
Adrian, MI (FHA|USDA|VA) 2 $510,000 $255,000 $2,663 3.31%
FORT SMITH, AR-OK (FHA|USDA|VA) 3 $505,000 $168,333 $3,552 3.50%
London, KY (FHA|USDA|VA) 3 $495,000 $165,000 $5,049 3.25%
HARRISONBURG, VA (FHA|USDA|VA) 2 $490,000 $245,000 $2,742 3.19%
VISALIA, CA (FHA|USDA|VA) 2 $490,000 $245,000 $5,610 2.94%
Clearlake, CA (FHA|USDA|VA) 2 $490,000 $245,000 $3,696 3.19%
Shelby, NC (FHA|USDA|VA) 2 $490,000 $245,000 $3,590 2.88%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $480,000 $240,000 $4,041 3.19%
Roseburg, OR (FHA|USDA|VA) 2 $470,000 $235,000 $5,346 2.75%
Cullowhee, NC (FHA|USDA|VA) 2 $460,000 $230,000 $6,156 3.06%
Pullman, WA (FHA|USDA|VA) 1 $455,000 $455,000 $4,463 3.63%
Minden, LA (FHA|USDA|VA) 2 $450,000 $225,000 $3,714 2.75%
Dayton, TN (FHA|USDA|VA) 2 $450,000 $225,000 $4,493 3.06%
TOPEKA, KS (FHA|USDA|VA) 3 $445,000 $148,333 $2,686 3.21%
Hobbs, NM (FHA|USDA|VA) 2 $440,000 $220,000 $3,943 3.50%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $435,000 $435,000 $2,763 2.63%
Milledgeville, GA (FHA|USDA|VA) 2 $430,000 $215,000 $1,364 3.06%
BRUNSWICK, GA (FHA|USDA|VA) 2 $430,000 $215,000 $4,616 3.75%
ROCHESTER, MN (FHA|USDA|VA) 2 $430,000 $215,000 $2,698 2.88%
Dickinson, ND (FHA|USDA|VA) 2 $420,000 $210,000 $4,281 3.31%
Laconia, NH (FHA|USDA|VA) 2 $420,000 $210,000 $2,907 3.00%
Moses Lake, WA (FHA|USDA|VA) 2 $410,000 $205,000 $3,791 2.69%
Salina, KS (FHA|USDA|VA) 2 $400,000 $200,000 $3,982 3.13%
Lebanon, NH-VT (FHA|USDA|VA) 2 $400,000 $200,000 $3,313 2.75%
Danville, KY (FHA|USDA|VA) 2 $400,000 $200,000 $2,782 3.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $400,000 $200,000 $2,581 3.31%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $400,000 $200,000 $2,874 3.00%
Andrews, TX (FHA|USDA|VA) 2 $400,000 $200,000 $2,859 3.25%
Woodward, OK (FHA|USDA|VA) 2 $400,000 $200,000 $1,466 3.56%
Fergus Falls, MN (FHA|USDA|VA) 1 $395,000 $395,000 $3,285 3.00%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $390,000 $195,000 $2,315 3.31%
Holland, MI (FHA|USDA|VA) 2 $390,000 $195,000 $1,792 3.19%
Mount Pleasant, MI (FHA|USDA|VA) 2 $390,000 $195,000 $2,878 3.25%
JACKSON, MI (FHA|USDA|VA) 2 $390,000 $195,000 $2,802 3.31%
MISSOULA, MT (FHA|USDA|VA) 1 $385,000 $385,000 $2,768 3.13%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $380,000 $190,000 $1,138 3.69%
Vincennes, IN (FHA|USDA|VA) 2 $380,000 $190,000 $1,870 3.13%
Laurel, MS (FHA|USDA|VA) 2 $380,000 $190,000 $880 3.50%
Cookeville, TN (FHA|USDA|VA) 2 $380,000 $190,000 $4,067 3.31%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $375,000 $375,000 $13,553 3.00%
DOTHAN, AL (FHA|USDA|VA) 1 $375,000 $375,000 $2,719 2.75%
ROANOKE, VA (FHA|USDA|VA) 2 $370,000 $185,000 $3,458 3.44%
Ozark, AL (FHA|USDA|VA) 2 $370,000 $185,000 $1,792 3.63%
Keene, NH (FHA|USDA|VA) 2 $370,000 $185,000 $3,133 3.25%
YUBA CITY, CA (FHA|USDA|VA) 2 $370,000 $185,000 $3,478 3.31%
PEORIA, IL (FHA|USDA|VA) 3 $365,000 $121,667 $2,768 3.46%
Lumberton, NC (FHA|USDA|VA) 3 $365,000 $121,667 $2,298 3.63%
WACO, TX (FHA|USDA|VA) 2 $360,000 $180,000 $4,462 3.19%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $360,000 $180,000 $5,825 2.81%
LONGVIEW, TX (FHA|USDA|VA) 2 $360,000 $180,000 $5,316 3.25%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $355,000 $355,000 $1,944 2.88%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $355,000 $355,000 $3,694 3.25%
Heber, UT (FHA|USDA|VA) 1 $355,000 $355,000 $2,015 2.25%
COLUMBUS, IN (FHA|USDA|VA) 2 $350,000 $175,000 $3,684 3.25%
Rockingham, NC (FHA|USDA|VA) 1 $345,000 $345,000 $4,554 2.88%
MIDLAND, MI (FHA|USDA|VA) 1 $345,000 $345,000 $2,706 2.88%
VICTORIA, TX (FHA|USDA|VA) 3 $345,000 $115,000 $4,034 3.38%
Ottawa, IL (FHA|USDA|VA) 1 $345,000 $345,000 $3,074 3.25%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $340,000 $170,000 $1,705 3.38%
AMARILLO, TX (FHA|USDA|VA) 2 $340,000 $170,000 $4,426 3.50%
Jefferson, GA (FHA|USDA|VA) 1 $335,000 $335,000 $2,075 2.25%
Show Low, AZ (FHA|USDA|VA) 1 $335,000 $335,000 $2,288 2.88%
Greeneville, TN (FHA|USDA|VA) 1 $335,000 $335,000 $3,169 3.75%
TYLER, TX (FHA|USDA|VA) 2 $330,000 $165,000 $4,265 3.00%
Statesboro, GA (FHA|USDA|VA) 2 $330,000 $165,000 $827 3.69%
Quincy, IL-MO (FHA|USDA|VA) 2 $330,000 $165,000 $4,006 3.94%
LaGrange, GA-AL (FHA|USDA|VA) 2 $330,000 $165,000 $3,326 3.13%
BURLINGTON, NC (FHA|USDA|VA) 2 $330,000 $165,000 $2,586 3.19%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $330,000 $165,000 $1,601 3.31%
Ottawa, KS (FHA|USDA|VA) 2 $330,000 $165,000 $5,476 3.63%
Jasper, IN (FHA|USDA|VA) 1 $325,000 $325,000 $2,322 3.38%
Red Bluff, CA (FHA|USDA|VA) 1 $325,000 $325,000 $1,728 4.13%
Ruidoso, NM (FHA|USDA|VA) 1 $325,000 $325,000 $1,860 3.00%
Rexburg, ID (FHA|USDA|VA) 1 $325,000 $325,000 $2,756 2.63%
Stevens Point, WI (FHA|USDA|VA) 1 $325,000 $325,000 $3,273 3.63%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $320,000 $160,000 $4,699 3.94%
NEW BERN, NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,306 2.75%
Wooster, OH (FHA|USDA|VA) 1 $315,000 $315,000 $435 3.25%
Craig, CO (FHA|USDA|VA) 1 $315,000 $315,000 $5,990 2.75%
AMES, IA (FHA|USDA|VA) 2 $310,000 $155,000 $1,687 3.56%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $310,000 $155,000 $1,771 3.75%
Shawnee, OK (FHA|USDA|VA) 2 $310,000 $155,000 $3,138 3.44%
ANCHORAGE, AK (FHA|USDA|VA) 1 $305,000 $305,000 $2,500 3.00%
TWIN FALLS, ID (FHA|USDA|VA) 1 $305,000 $305,000 $2,776 2.88%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $305,000 $305,000 $10,036 3.00%
Steamboat Springs, CO (FHA|USDA|VA) 2 $300,000 $150,000 $2,478 3.13%
Oxford, MS (FHA|USDA|VA) 2 $300,000 $150,000 $1,560 3.44%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $300,000 $150,000 $1,724 3.56%
Pottsville, PA (FHA|USDA|VA) 2 $300,000 $150,000 $4,177 3.19%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $300,000 $150,000 $1,746 3.25%
Albemarle, NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,279 3.75%
Edwards, CO (FHA|USDA|VA) 1 $295,000 $295,000 $3,505 3.38%
Ellensburg, WA (FHA|USDA|VA) 1 $295,000 $295,000 $2,429 2.75%
DOVER, DE (FHA|USDA|VA) 1 $295,000 $295,000 $8,712 3.00%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $290,000 $145,000 $2,656 3.88%
Greenwood, MS (FHA|USDA|VA) 2 $290,000 $145,000 $6,780 3.25%
New Castle, PA (FHA|USDA|VA) 2 $290,000 $145,000 $3,470 3.56%
Taos, NM (FHA|USDA|VA) 1 $285,000 $285,000 $7,606 3.38%
Winnemucca, NV (FHA|USDA|VA) 1 $285,000 $285,000 $2,546 3.25%
Crossville, TN (FHA|USDA|VA) 1 $285,000 $285,000 $3,026 3.25%
Paris, TN (FHA|USDA|VA) 1 $285,000 $285,000 $5,392 3.38%
Arkadelphia, AR (FHA|USDA|VA) 1 $285,000 $285,000 $8,364 3.25%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $280,000 $140,000 $2,216 3.06%
Houghton, MI (FHA|USDA|VA) 2 $280,000 $140,000 $2,435 3.81%
VALDOSTA, GA (FHA|USDA|VA) 2 $280,000 $140,000 $2,430 3.25%
Forest City, NC (FHA|USDA|VA) 1 $275,000 $275,000 $7,858 3.50%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $275,000 $275,000 $5,510 3.00%
Plymouth, IN (FHA|USDA|VA) 2 $270,000 $135,000 $1,960 3.38%
Paducah, KY-IL (FHA|USDA|VA) 2 $270,000 $135,000 $2,791 3.44%
Seneca, SC (FHA|USDA|VA) 1 $265,000 $265,000 $5,675 2.75%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $265,000 $265,000 $3,121 2.88%
ALBANY, GA (FHA|USDA|VA) 1 $265,000 $265,000 $5,094 2.88%
ERIE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,286 3.63%
Los Alamos, NM (FHA|USDA|VA) 1 $265,000 $265,000 $5,288 3.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $260,000 $130,000 $2,983 3.63%
Del Rio, TX (FHA|USDA|VA) 2 $260,000 $130,000 $4,302 3.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $255,000 $255,000 $5,754 3.75%
MIDLAND, TX (FHA|USDA|VA) 1 $255,000 $255,000 $2,679 2.63%
Thomasville, GA (FHA|USDA|VA) 1 $255,000 $255,000 $4,891 2.75%
Ponca City, OK (FHA|USDA|VA) 1 $255,000 $255,000 $4,074 2.63%
Natchitoches, LA (FHA|USDA|VA) 1 $255,000 $255,000 $3,726 3.25%
HINESVILLE, GA (FHA|USDA|VA) 1 $255,000 $255,000 $450 3.25%
ROME, GA (FHA|USDA|VA) 1 $255,000 $255,000 $3,314 3.88%
Warsaw, IN (FHA|USDA|VA) 1 $245,000 $245,000 $4,587 2.75%
Moscow, ID (FHA|USDA|VA) 1 $245,000 $245,000 $6,684 2.50%
ODESSA, TX (FHA|USDA|VA) 1 $245,000 $245,000 $7,983 2.75%
Athens, OH (FHA|USDA|VA) 1 $245,000 $245,000 $4,723 2.88%
Ashland, OH (FHA|USDA|VA) 1 $245,000 $245,000 $2,472 2.75%
Meadville, PA (FHA|USDA|VA) 2 $240,000 $120,000 $1,847 3.44%
DECATUR, AL (FHA|USDA|VA) 2 $240,000 $120,000 $1,987 3.63%
Payson, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $1,950 2.75%
Frankfort, KY (FHA|USDA|VA) 1 $235,000 $235,000 $1,840 3.00%
Kinston, NC (FHA|USDA|VA) 1 $235,000 $235,000 $1,836 3.63%
St. Marys, GA (FHA|USDA|VA) 1 $235,000 $235,000 $4,501 2.75%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $235,000 $235,000 $3,629 3.00%
Mount Vernon, IL (FHA|USDA|VA) 1 $235,000 $235,000 $1,960 3.25%
ST. CLOUD, MN (FHA|USDA|VA) 2 $230,000 $115,000 $2,254 4.25%
Brookings, OR (FHA|USDA|VA) 1 $225,000 $225,000 $4,062 2.50%
Georgetown, SC (FHA|USDA|VA) 1 $225,000 $225,000 $2,971 2.88%
Pella, IA (FHA|USDA|VA) 1 $225,000 $225,000 $2,040 2.88%
Alexander City, AL (FHA|USDA|VA) 1 $225,000 $225,000 $1,851 2.63%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $225,000 $225,000 $2,797 3.63%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $225,000 $225,000 $1,686 3.38%
Cadillac, MI (FHA|USDA|VA) 1 $225,000 $225,000 $5,747 2.75%
MUNCIE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $3,420 3.50%
GREENVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $6,165 3.25%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $220,000 $110,000 $3,397 3.38%
MANSFIELD, OH (FHA|USDA|VA) 2 $220,000 $110,000 $2,504 3.81%
Bellefontaine, OH (FHA|USDA|VA) 1 $215,000 $215,000 $7,384 3.75%
GETTYSBURG, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,040 3.00%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $215,000 $215,000 $2,087 3.38%
Winona, MN (FHA|USDA|VA) 1 $215,000 $215,000 $2,739 3.50%
Indiana, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,372 3.63%
Martinsville, VA (FHA|USDA|VA) 1 $215,000 $215,000 $4,358 3.50%
Warrensburg, MO (FHA|USDA|VA) 1 $205,000 $205,000 $1,975 3.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,153 3.38%
Waycross, GA (FHA|USDA|VA) 1 $205,000 $205,000 $2,510 3.25%
Madison, IN (FHA|USDA|VA) 1 $205,000 $205,000 $435 3.63%
Kendallville, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,148 3.38%
Atchison, KS (FHA|USDA|VA) 1 $205,000 $205,000 $553 3.63%
Sterling, CO (FHA|USDA|VA) 1 $205,000 $205,000 $5,483 3.63%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $200,000 $100,000 $2,547 3.06%
WHEELING, WV-OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,888 3.13%
Douglas, GA (FHA|USDA|VA) 1 $195,000 $195,000 $2,965 3.50%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $195,000 $195,000 $4,090 3.63%
Wahpeton, ND-MN (FHA|USDA|VA) 1 $195,000 $195,000 $1,373 2.88%
Elizabeth City, NC (FHA|USDA|VA) 1 $195,000 $195,000 $6,235 2.75%
Hailey, ID (FHA|USDA|VA) 1 $195,000 $195,000 $3,316 2.88%
Palestine, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,709 2.88%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $3,386 3.88%
YUMA, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $2,536 3.50%
Sunbury, PA (FHA|USDA|VA) 2 $190,000 $95,000 $4,121 3.44%
Bluffton, IN (FHA|USDA|VA) 1 $185,000 $185,000 $1,446 3.75%
Nogales, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $3,618 4.00%
Marinette, WI-MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,736 3.38%
Sweetwater, TX (FHA|USDA|VA) 1 $185,000 $185,000 $1,823 3.38%
Harrison, AR (FHA|USDA|VA) 1 $185,000 $185,000 $2,410 3.25%
Ardmore, OK (FHA|USDA|VA) 2 $180,000 $90,000 $2,740 3.69%
Mount Vernon, OH (FHA|USDA|VA) 1 $175,000 $175,000 $1,178 3.63%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,355 3.00%
Shelbyville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,853 2.88%
Calhoun, GA (FHA|USDA|VA) 1 $175,000 $175,000 $5,407 2.75%
Pittsburg, KS (FHA|USDA|VA) 1 $175,000 $175,000 $5,077 3.50%
Brookhaven, MS (FHA|USDA|VA) 1 $175,000 $175,000 $575 4.00%
Poplar Bluff, MO (FHA|USDA|VA) 1 $175,000 $175,000 $7,398 3.25%
DeRidder, LA (FHA|USDA|VA) 1 $165,000 $165,000 $3,125 3.13%
Cambridge, OH (FHA|USDA|VA) 1 $165,000 $165,000 $4,481 3.25%
Defiance, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,974 2.75%
Deming, NM (FHA|USDA|VA) 1 $165,000 $165,000 $3,336 3.00%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $165,000 $165,000 $5,321 3.25%
MANKATO, MN (FHA|USDA|VA) 1 $165,000 $165,000 $3,359 3.00%
Brownwood, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,809 3.13%
Branson, MO (FHA|USDA|VA) 1 $165,000 $165,000 $425 3.13%
Sandusky, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,880 4.13%
Bonham, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,409 3.25%
Clarksdale, MS (FHA|USDA|VA) 1 $165,000 $165,000 $2,023 3.13%
Somerset, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,970 3.13%
Beaver Dam, WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,465 3.13%
GRANTS PASS, OR (FHA|USDA|VA) 1 $165,000 $165,000 $3,275 3.13%
Granbury, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,611 3.00%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,359 4.00%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $525 3.00%
Opelousas, LA (FHA|USDA|VA) 1 $155,000 $155,000 $2,380 3.50%
Hutchinson, KS (FHA|USDA|VA) 1 $155,000 $155,000 $5,710 3.75%
FOND DU LAC, WI (FHA|USDA|VA) 1 $155,000 $155,000 $4,414 3.75%
Glasgow, KY (FHA|USDA|VA) 1 $155,000 $155,000 $3,117 4.63%
Jamestown, ND (FHA|USDA|VA) 1 $155,000 $155,000 $2,856 3.88%
Lewisburg, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,835 3.38%
West Plains, MO (FHA|USDA|VA) 1 $155,000 $155,000 $3,240 3.75%
Bedford, IN (FHA|USDA|VA) 1 $155,000 $155,000 $4,687 3.50%
Kerrville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $475 3.50%
Oil City, PA (FHA|USDA|VA) 1 $145,000 $145,000 $2,960 3.75%
Hillsdale, MI (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.63%
Marion, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,491 3.50%
Scottsbluff, NE (FHA|USDA|VA) 1 $145,000 $145,000 $3,302 3.63%
Fort Payne, AL (FHA|USDA|VA) 1 $145,000 $145,000 $841 3.25%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,399 3.38%
Union City, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,174 3.63%
MONTGOMERY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $5,123 3.13%
Fremont, NE (FHA|USDA|VA) 1 $145,000 $145,000 $5,046 3.25%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,730 2.88%
Sturgis, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,471 3.38%
JONESBORO, AR (FHA|USDA|VA) 1 $145,000 $145,000 $7,287 3.13%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,144 3.63%
Okeechobee, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,559 3.13%
Athens, TN (FHA|USDA|VA) 1 $135,000 $135,000 $2,955 3.00%
Norfolk, NE (FHA|USDA|VA) 1 $135,000 $135,000 $3,005 3.75%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $135,000 $135,000 $4,613 2.88%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $135,000 $135,000 $1,619 3.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $135,000 $135,000 $2,675 3.88%
Nacogdoches, TX (FHA|USDA|VA) 1 $135,000 $135,000 $1,564 3.88%
Hays, KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,196 3.38%
Wilson, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,704 3.00%
Moultrie, GA (FHA|USDA|VA) 1 $135,000 $135,000 $665 3.38%
ROCKFORD, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,348 3.00%
Columbus, MS (FHA|USDA|VA) 1 $125,000 $125,000 $577 3.50%
Bainbridge, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,739 3.50%
Paragould, AR (FHA|USDA|VA) 1 $125,000 $125,000 $535 3.63%
Othello, WA (FHA|USDA|VA) 1 $125,000 $125,000 $2,676 3.00%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,568 3.13%
Galesburg, IL (FHA|USDA|VA) 1 $125,000 $125,000 $5,137 3.63%
Dyersburg, TN (FHA|USDA|VA) 1 $125,000 $125,000 $755 3.88%
Burlington, IA-IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,345 3.13%
BAY CITY, MI (FHA|USDA|VA) 1 $125,000 $125,000 $5,413 3.63%
Batesville, AR (FHA|USDA|VA) 1 $115,000 $115,000 $1,474 4.13%
Austin, MN (FHA|USDA|VA) 1 $115,000 $115,000 $3,107 3.50%
Lake City, FL (FHA|USDA|VA) 1 $115,000 $115,000 $4,177 3.75%
Alice, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,348 3.38%
Scottsboro, AL (FHA|USDA|VA) 1 $115,000 $115,000 $5,188 3.25%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,750 3.75%
Frankfort, IN (FHA|USDA|VA) 1 $115,000 $115,000 $536 3.25%
Owatonna, MN (FHA|USDA|VA) 1 $115,000 $115,000 $425 3.38%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $115,000 $115,000 $3,044 3.13%
SUMTER, SC (FHA|USDA|VA) 1 $105,000 $105,000 $2,342 4.00%
Warren, PA (FHA|USDA|VA) 1 $105,000 $105,000 $5,890 3.50%
Bluefield, WV-VA (FHA|USDA|VA) 1 $105,000 $105,000 $5,503 3.50%
Port Lavaca, TX (FHA|USDA|VA) 1 $105,000 $105,000 $1,507 4.00%
Cedar City, UT (FHA|USDA|VA) 1 $105,000 $105,000 $2,867 3.13%
GADSDEN, AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,203 3.75%
Thomaston, GA (FHA|USDA|VA) 1 $95,000 $95,000 $1,425 3.88%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $95,000 $95,000 $3,991 4.25%
Fremont, OH (FHA|USDA|VA) 1 $95,000 $95,000 $462 3.63%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $85,000 $85,000 $2,342 4.13%
Jesup, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,464 4.25%
POCATELLO, ID (FHA|USDA|VA) 1 $75,000 $75,000 $4,362 4.63%
Celina, OH (FHA|USDA|VA) 1 $75,000 $75,000 $4,274 4.25%
Zillow Home Loans's top markets include Seattle, Los Angeles, Washington, Atlanta, and Phoenix among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,357 $1,583,485,000 $295,592 $3,121 3.06%
    FHA 549 $113,515,000 $206,767 $5,558 3.33%
    VA 181 $53,215,000 $294,006 $5,157 3.22%
    USDA 36 $5,970,000 $165,833 $3,484 3.43%

    For 2020, Zillow Home Loans's most frequently originated type of loan was Conventional, with 5,357 originations. Their 2nd most popular type was FHA, with 549 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 3,183 $972,325,000 $305,474 $3,156 2.94%
    Home Purchase 2,160 $541,270,000 $250,588 $3,696 3.33%
    Cash Out Refi 780 $242,590,000 $311,013 $3,577 3.04%

    For 2020, Zillow Home Loans's most frequently cited loan purpose was Refi, with 3,183 originations. The 2nd most popular reason was Home Purchase, with 2,160 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,060 $1,453,030,000 $287,160 $3,452 3.17%
    15 Year 865 $246,755,000 $285,266 $3,198 2.63%
    20 Year 143 $40,705,000 $284,650 $2,977 2.94%
    Other 48 $14,200,000 $295,833 $2,660 2.98%
    10 Year 7 $1,495,000 $213,571 $4,996 2.66%

    For 2020, Zillow Home Loans's most frequently cited loan duration was 30 Year, with 5,060 originations. The 2nd most popular length was 15 Year, with 865 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,042 $1,213,880,000 $300,317
    $1k-2k 864 $206,420,000 $238,912
    $2k-3k 524 $133,140,000 $254,084
    $3k-4k 317 $81,085,000 $255,789
    $5k+ 193 $73,715,000 $381,943
    $4k-5k 183 $47,945,000 $261,995

    Zillow Home Loans's average total fees were $3,452, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,042 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,944 $749,910,000 $254,725
    2.5-3% 2,454 $768,920,000 $313,333
    <2.5% 602 $214,500,000 $356,312
    4-5% 121 $22,585,000 $186,653
    5-6% 2 $270,000 $135,000

    During 2020, Zillow Home Loans's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 2,944 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,212 $916,380,000 $285,299 $3,473 3.05%
    $100k-200k 1,647 $261,305,000 $158,655 $3,188 3.28%
    $400k-600k 1,093 $513,125,000 $469,465 $3,372 2.87%
    $100,000 or less 86 $7,390,000 $85,930 $2,872 3.74%
    $600k-1MM 85 $57,985,000 $682,176 $5,640 3.13%

    2020 saw Zillow Home Loans place emphasis on $200k-400k loans with 3,212 originations, totaling $916,380,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,766 $545,040,000 $308,630 $3,352 3.03%
    $150k-250k 1,304 $481,480,000 $369,233 $3,476 2.97%
    $50k-75k 1,117 $235,305,000 $210,658 $3,403 3.23%
    $75k-100k 1,074 $281,920,000 $262,495 $3,481 3.12%
    $50k or less 497 $78,835,000 $158,622 $3,210 3.33%
    $250k+ 306 $116,930,000 $382,124 $3,463 2.93%

    Zillow Home Loans lent most frequently to those with incomes in the $100k-150k range, with 1,766 originations. The second most popular income band? $150k-250k, with 1,304 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,600 $480,230,000 $300,144 $3,193 3.01%
    30-36% 1,122 $330,850,000 $294,875 $3,171 3.09%
    <20% 725 $200,655,000 $276,766 $3,136 2.96%
    40% 209 $63,045,000 $301,651 $3,304 3.12%
    50-60% 209 $48,225,000 $230,742 $5,582 3.27%
    39% 203 $57,295,000 $282,241 $3,443 3.20%
    38% 201 $57,235,000 $284,751 $3,538 3.18%
    37% 195 $60,795,000 $311,769 $3,458 3.08%
    42% 191 $52,375,000 $274,215 $3,516 3.18%
    44% 185 $49,865,000 $269,541 $3,488 3.20%
    43% 182 $48,730,000 $267,747 $3,400 3.19%
    41% 179 $51,155,000 $285,782 $3,455 3.14%
    36% 176 $51,910,000 $294,943 $3,317 3.14%
    49% 162 $42,800,000 $264,198 $3,721 3.24%
    45% 141 $39,105,000 $277,340 $3,859 3.15%
    48% 133 $34,445,000 $258,985 $3,789 3.17%
    47% 131 $36,085,000 $275,458 $3,998 3.17%
    46% 114 $33,130,000 $290,614 $3,628 3.15%
    >60% 5 $1,365,000 $273,000 $8,307 3.35%

    Zillow Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,600 originations. The next most common DTI ratio? 30-36%, with 1,122 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,104 $1,132,160,000 $275,867 $3,364 3.12%
    Not provided 1,029 $314,995,000 $306,118 $3,417 3.03%
    Asian 582 $199,070,000 $342,045 $3,330 2.91%
    Black 302 $77,910,000 $257,980 $3,844 3.18%
    American Indian 52 $13,490,000 $259,423 $3,863 3.20%
    Asian Indian 24 $8,790,000 $366,250 $4,024 2.96%
    Native Hawaiian or Islander 12 $3,530,000 $294,167 $3,542 3.30%
    Chinese 5 $2,285,000 $457,000 $3,470 3.13%
    Other Asian 5 $2,045,000 $409,000 $3,767 3.00%
    Vietnamese 5 $1,295,000 $259,000 $2,813 3.15%
    Japanese 1 $305,000 $305,000 $2,653 3.63%
    Guamanian 1 $175,000 $175,000 $3,676 2.88%
    Korean 1 $135,000 $135,000 $2,818 3.38%

    Approval Rates

    Total approvals of all applications
    88.03%

    Zillow Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    36.37%

    Zillow Home Loans 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 6,123 $1,756,185,000 $286,818

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 6,123 $1,756,185,000 $286,818

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 321 $79,835,000 $248,707 $3,106 2.93%
    40-60% 1,249 $393,435,000 $315,000 $3,071 2.87%
    60-80% 2,241 $677,885,000 $302,492 $3,347 3.05%
    80-100% 2,202 $573,310,000 $260,359 $3,576 3.27%
    Over 100% 28 $9,430,000 $336,786 $13,131 3.28%
    Under 20% 24 $5,810,000 $242,083 $3,227 2.94%