Navy Federal Credit Union Mortgage Rates, Fees & Info
Vienna, VALEI: 5493003GQDUH26DNNH17
Tax ID: 53-0116705
2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Navy Federal Credit Union is a large credit union specializing in Home Purchase and Refi loans. Navy Federal Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Washington, San Diego, Virginia Beach, Baltimore, and Atlanta among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Navy Federal Credit Union is typically an average fee lendor.Originations
81,055Origination Dollar Volume (All Markets)
$23,784,735,000Relative Rate
Navy Federal Credit Union's average 30 year fixed rate mortgage was
3.38%.
The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.
This yields a difference of 0.02%.
Relative Fees
Navy Federal Credit Union's average total fees for a 30 year fixed rate
mortgage are $5,899.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $5,021.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 51,311 | $14,120,495,000 | $275,194 | $4,920 | 3.63% |
| VA | 29,668 | $9,649,870,000 | $325,262 | $6,428 | 3.03% |
| FHA | 76 | $14,370,000 | $189,079 | $5,841 | 4.36% |
For the 2020 period, Navy Federal Credit Union's most frequently originated loan type was Conventional, with 51,311 originations. Their 2nd most popular type is VA, with 29,668 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 39,338 | $11,956,960,000 | $303,954 | $5,833 | 3.51% |
| Refi | 22,791 | $6,957,655,000 | $305,281 | $4,316 | 2.84% |
| Cash Out Refi | 14,779 | $4,552,595,000 | $308,045 | $6,968 | 3.16% |
| Home Improvement | 2,224 | $165,110,000 | $74,240 | $961 | 6.29% |
| Other | 1,923 | $152,415,000 | $79,259 | $1,370 | 6.65% |
For the 2020, Navy Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 39,338 originations. The 2nd most popular reason was Refi, with 22,791 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 62,267 | $20,206,535,000 | $324,514 | $5,908 | 3.35% |
| 15 Year | 13,926 | $3,041,480,000 | $218,403 | $4,130 | 2.82% |
| 30+ year | 2,587 | $211,785,000 | $81,865 | $1,944 | 6.18% |
| 10 Year | 791 | $68,965,000 | $87,187 | $1,288 | 6.02% |
| 20 Year | 681 | $101,825,000 | $149,523 | $2,336 | 6.03% |
| Other | 510 | $138,330,000 | $271,235 | $3,638 | 3.16% |
| 5 Year | 293 | $15,815,000 | $53,976 | $529 | 6.36% |
For the 2020, Navy Federal Credit Union's most frequently cited loan length was 30 Year, with 62,267 originations. The 2nd most popular length was 15 Year, with 13,926 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 43,492 | $12,887,840,000 | $296,327 |
| $5k+ | 12,840 | $5,548,050,000 | $432,091 |
| $3k-4k | 9,880 | $2,710,500,000 | $274,342 |
| $2k-3k | 6,140 | $1,306,270,000 | $212,748 |
| $1k-2k | 5,209 | $1,005,715,000 | $193,073 |
$5,899 was Navy Federal Credit Union's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 43,492 originations.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 8,611 | $3,277,715,000 | $380,643 | $6,359 | 3.39% |
| Outside of Metro Areas | 6,480 | $1,459,830,000 | $225,282 | $4,467 | 3.34% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | 2,883 | $1,291,755,000 | $448,059 | $7,567 | 3.35% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 4,102 | $1,038,920,000 | $253,272 | $5,342 | 3.44% |
| BALTIMORE-COLUMBIA-TOWSON, MD | 2,270 | $811,910,000 | $357,670 | $6,210 | 3.44% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 2,590 | $672,310,000 | $259,579 | $5,229 | 3.68% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 1,527 | $537,005,000 | $351,673 | $6,117 | 3.47% |
| JACKSONVILLE, FL | 1,887 | $449,815,000 | $238,376 | $5,233 | 3.56% |
| PHOENIX-MESA-CHANDLER, AZ | 1,414 | $410,170,000 | $290,078 | $5,368 | 3.44% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD | 948 | $386,710,000 | $407,922 | $6,579 | 3.39% |
| PENSACOLA-FERRY PASS-BRENT, FL | 1,788 | $384,540,000 | $215,067 | $4,337 | 3.50% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 733 | $376,875,000 | $514,154 | $8,598 | 3.36% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 1,341 | $352,965,000 | $263,210 | $5,567 | 3.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV | 1,052 | $313,770,000 | $298,260 | $5,284 | 3.47% |
| DENVER-AURORA-LAKEWOOD, CO | 802 | $304,760,000 | $380,000 | $6,639 | 3.40% |
| SEATTLE-BELLEVUE-KENT, WA | 611 | $273,635,000 | $447,848 | $7,042 | 3.27% |
| ANAHEIM-SANTA ANA-IRVINE, CA | 434 | $236,590,000 | $545,138 | $9,286 | 3.34% |
| URBAN HONOLULU, HI | 460 | $231,450,000 | $503,152 | $10,005 | 3.32% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 873 | $228,095,000 | $261,277 | $5,198 | 3.39% |
| CHARLESTON-NORTH CHARLESTON, SC | 836 | $222,850,000 | $266,567 | $5,282 | 3.43% |
| ORLANDO-KISSIMMEE-SANFORD, FL | 851 | $221,435,000 | $260,206 | $5,383 | 3.52% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 737 | $213,515,000 | $289,708 | $4,940 | 3.52% |
| RALEIGH-CARY, NC | 720 | $209,280,000 | $290,667 | $4,937 | 3.46% |
| RICHMOND, VA | 745 | $196,525,000 | $263,792 | $5,111 | 3.53% |
| DALLAS-PLANO-IRVING, TX | 634 | $193,620,000 | $305,394 | $5,858 | 3.43% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA | 593 | $183,475,000 | $309,401 | $5,901 | 3.24% |
| SAN ANTONIO-NEW BRAUNFELS, TX | 647 | $173,315,000 | $267,875 | $5,174 | 3.34% |
| COLORADO SPRINGS, CO | 503 | $163,145,000 | $324,344 | $5,865 | 3.39% |
| JACKSONVILLE, NC | 814 | $156,930,000 | $192,789 | $4,483 | 3.35% |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 340 | $151,740,000 | $446,294 | $8,269 | 3.51% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 401 | $151,485,000 | $377,768 | $6,665 | 3.35% |
| CHICAGO-NAPERVILLE-EVANSTON, IL | 502 | $148,810,000 | $296,434 | $5,459 | 3.42% |
| TACOMA-LAKEWOOD, WA | 423 | $148,715,000 | $351,572 | $6,704 | 3.39% |
| PROVIDENCE-WARWICK, RI-MA | 475 | $143,675,000 | $302,474 | $5,165 | 3.16% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX | 520 | $139,760,000 | $268,769 | $5,266 | 3.36% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 439 | $135,155,000 | $307,870 | $6,637 | 3.37% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 397 | $134,655,000 | $339,181 | $5,170 | 3.49% |
| OAKLAND-BERKELEY-LIVERMORE, CA | 230 | $122,930,000 | $534,478 | $7,297 | 3.48% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL | 366 | $113,990,000 | $311,448 | $6,081 | 3.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | 284 | $111,850,000 | $393,838 | $6,621 | 3.40% |
| CALIFORNIA-LEXINGTON PARK, MD | 372 | $110,000,000 | $295,699 | $5,696 | 3.37% |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 237 | $109,065,000 | $460,190 | $7,723 | 3.36% |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 485 | $107,555,000 | $221,763 | $4,869 | 3.39% |
| MEMPHIS, TN-MS-AR | 463 | $105,715,000 | $228,326 | $5,006 | 3.65% |
| FAYETTEVILLE, NC | 553 | $102,895,000 | $186,067 | $4,435 | 3.41% |
| CAMDEN, NJ | 438 | $102,640,000 | $234,338 | $4,981 | 3.42% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 280 | $100,350,000 | $358,393 | $6,620 | 3.25% |
| NEW BRUNSWICK-LAKEWOOD, NJ | 299 | $99,185,000 | $331,722 | $6,332 | 3.38% |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 205 | $91,435,000 | $446,024 | $6,708 | 3.18% |
| ST. LOUIS, MO-IL | 423 | $91,375,000 | $216,017 | $4,151 | 3.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 337 | $89,855,000 | $266,632 | $5,455 | 3.26% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 310 | $89,290,000 | $288,032 | $5,397 | 3.35% |
| NEW ORLEANS-METAIRIE, LA | 375 | $89,215,000 | $237,907 | $5,539 | 3.54% |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 194 | $87,850,000 | $452,835 | $8,325 | 3.25% |
| NORWICH-NEW LONDON, CT | 370 | $86,970,000 | $235,054 | $5,140 | 3.27% |
| OKLAHOMA CITY, OK | 393 | $85,915,000 | $218,613 | $4,550 | 3.47% |
| NEWARK, NJ-PA | 244 | $85,490,000 | $350,369 | $6,178 | 3.34% |
| PHILADELPHIA, PA | 345 | $81,705,000 | $236,826 | $5,425 | 3.59% |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 248 | $78,160,000 | $315,161 | $6,784 | 3.47% |
| KANSAS CITY, MO-KS | 325 | $77,625,000 | $238,846 | $4,007 | 3.39% |
| MIAMI-MIAMI BEACH-KENDALL, FL | 237 | $77,135,000 | $325,464 | $6,977 | 3.42% |
| NORTH PORT-SARASOTA-BRADENTON, FL | 256 | $73,290,000 | $286,289 | $5,496 | 3.47% |
| WINCHESTER, VA-WV | 287 | $71,925,000 | $250,610 | $4,469 | 3.43% |
| BOSTON, MA | 169 | $71,255,000 | $421,627 | $6,402 | 3.34% |
| HUNTSVILLE, AL | 253 | $68,685,000 | $271,482 | $4,792 | 3.21% |
| COLUMBIA, SC | 322 | $66,750,000 | $207,298 | $4,134 | 3.55% |
| HILTON HEAD ISLAND-BLUFFTON, SC | 247 | $64,725,000 | $262,045 | $5,684 | 3.42% |
| TUCSON, AZ | 256 | $63,820,000 | $249,297 | $4,955 | 3.29% |
| NEW BERN, NC | 335 | $63,305,000 | $188,970 | $3,829 | 3.44% |
| ALBUQUERQUE, NM | 249 | $62,145,000 | $249,578 | $4,876 | 3.42% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 259 | $60,835,000 | $234,884 | $3,952 | 3.39% |
| SALISBURY, MD-DE | 203 | $59,975,000 | $295,443 | $5,383 | 3.18% |
| CLEVELAND-ELYRIA, OH | 338 | $59,710,000 | $176,657 | $3,747 | 3.64% |
| SAVANNAH, GA | 269 | $59,685,000 | $221,877 | $5,264 | 3.64% |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 77 | $58,675,000 | $762,013 | $13,184 | 3.07% |
| WARREN-TROY-FARMINGTON HILLS, MI | 249 | $57,745,000 | $231,908 | $4,453 | 3.37% |
| COLUMBUS, OH | 246 | $57,600,000 | $234,146 | $4,400 | 3.42% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 201 | $57,355,000 | $285,348 | $5,888 | 3.45% |
| WILMINGTON, NC | 204 | $55,920,000 | $274,118 | $5,640 | 3.37% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 229 | $55,835,000 | $243,821 | $4,721 | 3.34% |
| BOISE CITY, ID | 177 | $55,135,000 | $311,497 | $6,420 | 3.30% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 83 | $54,175,000 | $652,711 | $9,873 | 3.10% |
| BAKERSFIELD, CA | 229 | $53,345,000 | $232,948 | $4,709 | 3.36% |
| DURHAM-CHAPEL HILL, NC | 196 | $51,820,000 | $264,388 | $4,183 | 3.41% |
| PITTSBURGH, PA | 252 | $51,530,000 | $204,484 | $4,636 | 3.44% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT | 189 | $51,435,000 | $272,143 | $5,633 | 3.38% |
| OMAHA-COUNCIL BLUFFS, NE-IA | 238 | $51,110,000 | $214,748 | $4,377 | 3.33% |
| HAGERSTOWN-MARTINSBURG, MD-WV | 210 | $49,950,000 | $237,857 | $5,240 | 3.47% |
| SALINAS, CA | 90 | $49,660,000 | $551,778 | $7,712 | 3.35% |
| CINCINNATI, OH-KY-IN | 203 | $48,065,000 | $236,773 | $4,579 | 3.31% |
| KNOXVILLE, TN | 178 | $48,010,000 | $269,719 | $4,587 | 3.38% |
| CLARKSVILLE, TN-KY | 230 | $47,950,000 | $208,478 | $4,681 | 3.60% |
| DAPHNE-FAIRHOPE-FOLEY, AL | 199 | $47,515,000 | $238,769 | $4,010 | 3.29% |
| RENO, NV | 123 | $47,415,000 | $385,488 | $5,254 | 3.26% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 209 | $47,415,000 | $226,866 | $5,009 | 3.37% |
| KILLEEN-TEMPLE, TX | 245 | $46,695,000 | $190,592 | $4,301 | 3.29% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 190 | $45,900,000 | $241,579 | $5,664 | 3.34% |
| PORTLAND-SOUTH PORTLAND, ME | 149 | $42,835,000 | $287,483 | $4,906 | 3.17% |
| CAPE CORAL-FORT MYERS, FL | 169 | $42,515,000 | $251,568 | $4,580 | 3.39% |
| YUMA, AZ | 228 | $42,280,000 | $185,439 | $4,478 | 3.25% |
| WILMINGTON, DE-MD-NJ | 165 | $41,795,000 | $253,303 | $4,858 | 3.37% |
| PANAMA CITY, FL | 162 | $40,460,000 | $249,753 | $5,587 | 3.36% |
| CORPUS CHRISTI, TX | 173 | $39,975,000 | $231,069 | $4,733 | 3.30% |
| BIRMINGHAM-HOOVER, AL | 173 | $39,935,000 | $230,838 | $3,950 | 3.66% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 177 | $39,915,000 | $225,508 | $4,160 | 3.59% |
| WORCESTER, MA-CT | 134 | $38,680,000 | $288,657 | $5,314 | 3.29% |
| CHARLOTTESVILLE, VA | 121 | $38,525,000 | $318,388 | $5,488 | 3.30% |
| OLYMPIA-LACEY-TUMWATER, WA | 120 | $38,520,000 | $321,000 | $5,815 | 3.28% |
| GULFPORT-BILOXI, MS | 202 | $38,220,000 | $189,208 | $4,269 | 3.36% |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 83 | $37,995,000 | $457,771 | $7,579 | 3.17% |
| ALBANY-SCHENECTADY-TROY, NY | 141 | $37,675,000 | $267,199 | $5,841 | 3.25% |
| EL PASO, TX | 196 | $35,420,000 | $180,714 | $4,387 | 3.36% |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 110 | $35,000,000 | $318,182 | $4,834 | 3.32% |
| GREENVILLE-ANDERSON, SC | 147 | $34,445,000 | $234,320 | $4,480 | 3.50% |
| GREENSBORO-HIGH POINT, NC | 151 | $33,675,000 | $223,013 | $3,990 | 3.43% |
| ASHEVILLE, NC | 123 | $33,585,000 | $273,049 | $4,549 | 3.30% |
| DAYTON-KETTERING, OH | 159 | $33,475,000 | $210,535 | $4,547 | 3.35% |
| PORT ST. LUCIE, FL | 126 | $33,270,000 | $264,048 | $5,616 | 3.30% |
| COLUMBUS, GA-AL | 173 | $33,095,000 | $191,301 | $4,382 | 3.51% |
| FRESNO, CA | 117 | $33,075,000 | $282,692 | $5,207 | 3.49% |
| BOULDER, CO | 68 | $32,450,000 | $477,206 | $8,246 | 3.18% |
| HARRISBURG-CARLISLE, PA | 128 | $32,410,000 | $253,203 | $6,041 | 3.31% |
| VALLEJO, CA | 79 | $32,035,000 | $405,506 | $6,764 | 3.33% |
| LAKELAND-WINTER HAVEN, FL | 151 | $31,885,000 | $211,159 | $4,705 | 3.45% |
| OGDEN-CLEARFIELD, UT | 92 | $31,280,000 | $340,000 | $5,495 | 3.21% |
| SPOKANE-SPOKANE VALLEY, WA | 101 | $30,935,000 | $306,287 | $5,183 | 3.15% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 115 | $30,885,000 | $268,565 | $6,423 | 3.54% |
| HANFORD-CORCORAN, CA | 123 | $27,955,000 | $227,276 | $5,015 | 3.45% |
| NAPLES-MARCO ISLAND, FL | 85 | $27,505,000 | $323,588 | $5,274 | 3.53% |
| NEW HAVEN-MILFORD, CT | 97 | $26,185,000 | $269,948 | $5,046 | 3.29% |
| WARNER ROBINS, GA | 127 | $26,045,000 | $205,079 | $4,399 | 3.47% |
| GREELEY, CO | 76 | $25,740,000 | $338,684 | $6,214 | 3.58% |
| STOCKTON, CA | 66 | $25,640,000 | $388,485 | $7,456 | 3.72% |
| WINSTON-SALEM, NC | 113 | $25,495,000 | $225,619 | $4,191 | 3.38% |
| MILWAUKEE-WAUKESHA, WI | 101 | $25,285,000 | $250,347 | $4,548 | 3.43% |
| SALT LAKE CITY, UT | 75 | $25,035,000 | $333,800 | $5,905 | 3.41% |
| MOUNT VERNON-ANACORTES, WA | 74 | $25,000,000 | $337,838 | $5,739 | 3.21% |
| CHATTANOOGA, TN-GA | 90 | $23,230,000 | $258,111 | $4,383 | 3.19% |
| MANCHESTER-NASHUA, NH | 74 | $23,200,000 | $313,514 | $5,208 | 3.32% |
| FORT COLLINS, CO | 61 | $23,165,000 | $379,754 | $6,404 | 3.30% |
| SIERRA VISTA-DOUGLAS, AZ | 110 | $22,330,000 | $203,000 | $4,515 | 3.37% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 95 | $22,255,000 | $234,263 | $5,587 | 3.36% |
| PRESCOTT VALLEY-PRESCOTT, AZ | 73 | $21,985,000 | $301,164 | $6,063 | 3.16% |
| BEND, OR | 59 | $21,825,000 | $369,915 | $8,410 | 3.42% |
| ROANOKE, VA | 89 | $21,815,000 | $245,112 | $4,143 | 3.33% |
| DETROIT-DEARBORN-LIVONIA, MI | 105 | $21,735,000 | $207,000 | $4,113 | 3.65% |
| YORK-HANOVER, PA | 95 | $21,575,000 | $227,105 | $5,407 | 3.43% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 119 | $21,385,000 | $179,706 | $3,397 | 3.38% |
| OCALA, FL | 116 | $21,380,000 | $184,310 | $4,154 | 3.39% |
| BUFFALO-CHEEKTOWAGA, NY | 109 | $21,365,000 | $196,009 | $4,402 | 3.40% |
| ALBANY, GA | 127 | $21,025,000 | $165,551 | $3,906 | 3.58% |
| LYNCHBURG, VA | 87 | $20,915,000 | $240,402 | $4,806 | 3.56% |
| MONTGOMERY, AL | 105 | $20,825,000 | $198,333 | $3,933 | 3.66% |
| SANTA MARIA-SANTA BARBARA, CA | 39 | $19,635,000 | $503,462 | $8,564 | 3.40% |
| SPRINGFIELD, MA | 73 | $19,575,000 | $268,151 | $4,863 | 3.28% |
| BATON ROUGE, LA | 86 | $19,550,000 | $227,326 | $5,010 | 3.48% |
| TALLAHASSEE, FL | 84 | $19,460,000 | $231,667 | $5,279 | 3.53% |
| ANCHORAGE, AK | 64 | $19,360,000 | $302,500 | $5,701 | 3.04% |
| TULSA, OK | 99 | $19,295,000 | $194,899 | $4,646 | 3.56% |
| AKRON, OH | 99 | $19,135,000 | $193,283 | $3,863 | 3.55% |
| ELIZABETHTOWN-FORT KNOX, KY | 100 | $18,740,000 | $187,400 | $3,546 | 3.53% |
| COEUR D'ALENE, ID | 60 | $18,680,000 | $311,333 | $5,420 | 3.43% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 77 | $18,055,000 | $234,481 | $3,833 | 3.30% |
| GRAND RAPIDS-KENTWOOD, MI | 68 | $17,900,000 | $263,235 | $4,432 | 3.12% |
| MOBILE, AL | 104 | $17,760,000 | $170,769 | $3,535 | 3.54% |
| SAN LUIS OBISPO-PASO ROBLES, CA | 40 | $17,740,000 | $443,500 | $8,659 | 3.40% |
| OCEAN CITY, NJ | 53 | $17,665,000 | $333,302 | $7,328 | 3.41% |
| HINESVILLE, GA | 102 | $17,010,000 | $166,765 | $4,286 | 3.41% |
| BELLINGHAM, WA | 47 | $16,775,000 | $356,915 | $5,557 | 3.19% |
| GARY, IN | 74 | $16,610,000 | $224,459 | $3,799 | 3.58% |
| KENNEWICK-RICHLAND, WA | 54 | $16,320,000 | $302,222 | $6,072 | 3.11% |
| PROVO-OREM, UT | 38 | $16,000,000 | $421,053 | $6,587 | 3.48% |
| BARNSTABLE TOWN, MA | 44 | $15,970,000 | $362,955 | $5,432 | 3.28% |
| MADISON, WI | 56 | $15,950,000 | $284,821 | $4,743 | 3.27% |
| ELGIN, IL | 58 | $15,930,000 | $274,655 | $5,670 | 3.22% |
| GAINESVILLE, FL | 70 | $15,370,000 | $219,571 | $4,466 | 3.32% |
| SEBASTIAN-VERO BEACH, FL | 60 | $15,330,000 | $255,500 | $5,366 | 3.54% |
| HOMOSASSA SPRINGS, FL | 70 | $15,120,000 | $216,000 | $3,918 | 3.50% |
| LAKE HAVASU CITY-KINGMAN, AZ | 71 | $14,715,000 | $207,254 | $3,578 | 3.37% |
| LANCASTER, PA | 59 | $14,575,000 | $247,034 | $5,446 | 3.12% |
| ROCHESTER, NY | 74 | $14,320,000 | $193,514 | $3,943 | 3.10% |
| SALEM, OR | 50 | $14,300,000 | $286,000 | $6,317 | 3.45% |
| MANHATTAN, KS | 80 | $14,270,000 | $178,375 | $3,653 | 3.56% |
| WICHITA, KS | 66 | $14,250,000 | $215,909 | $4,060 | 3.30% |
| BRUNSWICK, GA | 62 | $13,590,000 | $219,194 | $4,759 | 3.42% |
| PUNTA GORDA, FL | 59 | $13,465,000 | $228,220 | $5,388 | 3.18% |
| THE VILLAGES, FL | 49 | $13,075,000 | $266,837 | $4,197 | 2.99% |
| AUBURN-OPELIKA, AL | 56 | $12,720,000 | $227,143 | $4,302 | 3.61% |
| MACON-BIBB COUNTY, GA | 59 | $12,305,000 | $208,559 | $4,229 | 3.69% |
| SYRACUSE, NY | 64 | $12,170,000 | $190,156 | $3,670 | 3.43% |
| LAS CRUCES, NM | 55 | $12,125,000 | $220,455 | $4,612 | 3.33% |
| LAWTON, OK | 78 | $12,020,000 | $154,103 | $3,550 | 3.33% |
| HICKORY-LENOIR-MORGANTON, NC | 60 | $12,010,000 | $200,167 | $3,400 | 3.65% |
| SHREVEPORT-BOSSIER CITY, LA | 54 | $12,010,000 | $222,407 | $5,875 | 3.41% |
| JACKSON, MS | 58 | $11,910,000 | $205,345 | $4,595 | 3.32% |
| MODESTO, CA | 36 | $11,770,000 | $326,944 | $6,410 | 3.37% |
| GAINESVILLE, GA | 42 | $11,740,000 | $279,524 | $4,701 | 3.29% |
| SANTA ROSA-PETALUMA, CA | 23 | $11,465,000 | $498,478 | $9,355 | 3.17% |
| ATLANTIC CITY-HAMMONTON, NJ | 48 | $11,400,000 | $237,500 | $4,140 | 3.36% |
| SPARTANBURG, SC | 54 | $11,370,000 | $210,556 | $4,368 | 3.41% |
| CHAMBERSBURG-WAYNESBORO, PA | 50 | $11,330,000 | $226,600 | $5,504 | 3.27% |
| TOLEDO, OH | 64 | $11,270,000 | $176,094 | $3,959 | 3.55% |
| BURLINGTON, NC | 46 | $11,160,000 | $242,609 | $4,760 | 3.53% |
| DOVER, DE | 47 | $10,965,000 | $233,298 | $6,047 | 3.82% |
| LEXINGTON-FAYETTE, KY | 45 | $10,935,000 | $243,000 | $4,128 | 3.70% |
| TRENTON-PRINCETON, NJ | 36 | $10,820,000 | $300,556 | $5,584 | 3.15% |
| SPRINGFIELD, MO | 56 | $10,630,000 | $189,821 | $3,106 | 3.30% |
| VISALIA, CA | 44 | $10,410,000 | $236,591 | $5,547 | 3.37% |
| KINGSPORT-BRISTOL, TN-VA | 52 | $10,380,000 | $199,615 | $4,645 | 3.16% |
| SAN RAFAEL, CA | 11 | $10,215,000 | $928,636 | $6,325 | 3.10% |
| SUMTER, SC | 57 | $10,145,000 | $177,982 | $4,069 | 3.68% |
| SANTA FE, NM | 25 | $9,815,000 | $392,600 | $7,145 | 3.36% |
| MEDFORD, OR | 34 | $9,810,000 | $288,529 | $4,995 | 3.18% |
| LANSING-EAST LANSING, MI | 52 | $9,730,000 | $187,115 | $3,221 | 3.52% |
| BLOOMINGTON, IN | 37 | $9,385,000 | $253,649 | $4,689 | 3.09% |
| PUEBLO, CO | 41 | $9,275,000 | $226,220 | $5,483 | 3.31% |
| READING, PA | 38 | $9,210,000 | $242,368 | $5,534 | 3.26% |
| VALDOSTA, GA | 54 | $9,180,000 | $170,000 | $4,266 | 3.36% |
| DOTHAN, AL | 42 | $8,780,000 | $209,048 | $4,831 | 3.54% |
| KAHULUI-WAILUKU-LAHAINA, HI | 22 | $8,780,000 | $399,091 | $8,088 | 2.99% |
| DES MOINES-WEST DES MOINES, IA | 37 | $8,745,000 | $236,351 | $3,463 | 3.35% |
| GOLDSBORO, NC | 43 | $8,735,000 | $203,140 | $4,286 | 3.27% |
| FORT WAYNE, IN | 43 | $8,495,000 | $197,558 | $3,197 | 3.20% |
| WENATCHEE, WA | 21 | $8,195,000 | $390,238 | $7,189 | 3.49% |
| EUGENE-SPRINGFIELD, OR | 35 | $8,155,000 | $233,000 | $4,039 | 3.48% |
| GREENVILLE, NC | 50 | $8,120,000 | $162,400 | $3,358 | 3.70% |
| JOHNSON CITY, TN | 38 | $7,940,000 | $208,947 | $4,445 | 3.06% |
| GETTYSBURG, PA | 31 | $7,895,000 | $254,677 | $5,005 | 3.29% |
| STAUNTON, VA | 36 | $7,860,000 | $218,333 | $5,185 | 3.42% |
| AMARILLO, TX | 31 | $7,705,000 | $248,548 | $5,432 | 3.44% |
| ROCKY MOUNT, NC | 40 | $7,610,000 | $190,250 | $3,991 | 3.68% |
| SANTA CRUZ-WATSONVILLE, CA | 12 | $7,550,000 | $629,167 | $7,977 | 3.45% |
| WACO, TX | 32 | $7,520,000 | $235,000 | $4,283 | 3.35% |
| ALBANY-LEBANON, OR | 27 | $7,435,000 | $275,370 | $5,806 | 3.10% |
| FAIRBANKS, AK | 28 | $7,350,000 | $262,500 | $5,721 | 3.03% |
| ATHENS-CLARKE COUNTY, GA | 33 | $7,345,000 | $222,576 | $5,229 | 3.55% |
| GRAND JUNCTION, CO | 25 | $7,215,000 | $288,600 | $5,580 | 3.31% |
| IDAHO FALLS, ID | 24 | $7,210,000 | $300,417 | $6,134 | 3.07% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 46 | $7,190,000 | $156,304 | $3,531 | 3.68% |
| YUBA CITY, CA | 21 | $7,155,000 | $340,714 | $8,314 | 3.40% |
| REDDING, CA | 21 | $7,075,000 | $336,905 | $7,213 | 3.20% |
| CHEYENNE, WY | 20 | $7,070,000 | $353,500 | $4,527 | 3.22% |
| GREEN BAY, WI | 30 | $7,010,000 | $233,667 | $3,377 | 3.13% |
| STATE COLLEGE, PA | 28 | $6,990,000 | $249,643 | $4,744 | 2.90% |
| BLACKSBURG-CHRISTIANSBURG, VA | 34 | $6,970,000 | $205,000 | $3,373 | 3.29% |
| FLAGSTAFF, AZ | 23 | $6,915,000 | $300,652 | $5,109 | 3.52% |
| LONGVIEW, WA | 20 | $6,870,000 | $343,500 | $7,598 | 3.17% |
| DECATUR, AL | 27 | $6,825,000 | $252,778 | $4,197 | 3.32% |
| BILLINGS, MT | 21 | $6,795,000 | $323,571 | $5,350 | 3.05% |
| COLLEGE STATION-BRYAN, TX | 29 | $6,745,000 | $232,586 | $4,307 | 3.12% |
| MCALLEN-EDINBURG-MISSION, TX | 31 | $6,715,000 | $216,613 | $5,687 | 3.34% |
| LINCOLN, NE | 28 | $6,590,000 | $235,357 | $3,448 | 3.44% |
| BURLINGTON-SOUTH BURLINGTON, VT | 20 | $6,580,000 | $329,000 | $5,932 | 3.02% |
| MERCED, CA | 22 | $6,510,000 | $295,909 | $6,385 | 3.44% |
| BANGOR, ME | 32 | $6,300,000 | $196,875 | $4,301 | 3.50% |
| SCRANTON--WILKES-BARRE, PA | 35 | $6,235,000 | $178,143 | $4,237 | 3.32% |
| BEAUMONT-PORT ARTHUR, TX | 31 | $6,225,000 | $200,806 | $4,505 | 3.38% |
| TUSCALOOSA, AL | 28 | $6,160,000 | $220,000 | $5,145 | 3.38% |
| MORRISTOWN, TN | 23 | $6,155,000 | $267,609 | $5,066 | 3.46% |
| CANTON-MASSILLON, OH | 35 | $6,135,000 | $175,286 | $3,534 | 3.40% |
| RACINE, WI | 29 | $6,035,000 | $208,103 | $4,127 | 3.18% |
| SOUTH BEND-MISHAWAKA, IN-MI | 26 | $6,000,000 | $230,769 | $3,476 | 3.30% |
| WATERTOWN-FORT DRUM, NY | 33 | $5,985,000 | $181,364 | $3,772 | 3.21% |
| EAST STROUDSBURG, PA | 36 | $5,880,000 | $163,333 | $4,017 | 3.42% |
| BROWNSVILLE-HARLINGEN, TX | 30 | $5,760,000 | $192,000 | $5,031 | 3.47% |
| NAPA, CA | 11 | $5,715,000 | $519,545 | $11,631 | 3.45% |
| HARRISONBURG, VA | 24 | $5,710,000 | $237,917 | $5,012 | 3.45% |
| ST. GEORGE, UT | 16 | $5,670,000 | $354,375 | $5,073 | 3.29% |
| COLUMBIA, MO | 29 | $5,655,000 | $195,000 | $3,456 | 3.03% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 28 | $5,530,000 | $197,500 | $4,043 | 3.01% |
| LONGVIEW, TX | 27 | $5,455,000 | $202,037 | $4,458 | 3.21% |
| ERIE, PA | 31 | $5,395,000 | $174,032 | $4,153 | 3.32% |
| LAFAYETTE, LA | 29 | $5,385,000 | $185,690 | $6,028 | 3.65% |
| FORT SMITH, AR-OK | 26 | $5,370,000 | $206,538 | $4,767 | 3.14% |
| HUNTINGTON-ASHLAND, WV-KY-OH | 28 | $5,370,000 | $191,786 | $4,248 | 3.34% |
| FLORENCE, SC | 29 | $5,275,000 | $181,897 | $4,765 | 3.78% |
| ROCHESTER, MN | 19 | $5,265,000 | $277,105 | $4,160 | 2.99% |
| MORGANTOWN, WV | 22 | $5,260,000 | $239,091 | $5,948 | 3.11% |
| APPLETON, WI | 24 | $5,230,000 | $217,917 | $3,999 | 3.34% |
| DULUTH, MN-WI | 27 | $5,205,000 | $192,778 | $3,032 | 3.28% |
| ANN ARBOR, MI | 19 | $4,845,000 | $255,000 | $4,670 | 3.54% |
| SEBRING-AVON PARK, FL | 27 | $4,715,000 | $174,630 | $4,181 | 3.49% |
| UTICA-ROME, NY | 22 | $4,610,000 | $209,545 | $5,194 | 3.18% |
| ABILENE, TX | 22 | $4,590,000 | $208,636 | $4,655 | 3.09% |
| LAFAYETTE-WEST LAFAYETTE, IN | 24 | $4,580,000 | $190,833 | $4,300 | 3.53% |
| WICHITA FALLS, TX | 23 | $4,405,000 | $191,522 | $6,138 | 2.94% |
| GLENS FALLS, NY | 18 | $4,370,000 | $242,778 | $4,045 | 3.34% |
| FLINT, MI | 19 | $4,355,000 | $229,211 | $3,997 | 3.76% |
| NILES, MI | 22 | $4,350,000 | $197,727 | $5,168 | 3.08% |
| MISSOULA, MT | 14 | $4,330,000 | $309,286 | $3,988 | 3.19% |
| HATTIESBURG, MS | 27 | $4,305,000 | $159,444 | $4,389 | 3.52% |
| LAWRENCE, KS | 18 | $4,240,000 | $235,556 | $3,660 | 2.92% |
| EL CENTRO, CA | 17 | $4,215,000 | $247,941 | $5,179 | 3.10% |
| PEORIA, IL | 26 | $4,170,000 | $160,385 | $3,354 | 3.45% |
| ROCKFORD, IL | 26 | $4,130,000 | $158,846 | $2,881 | 3.49% |
| CHICO, CA | 16 | $4,030,000 | $251,875 | $5,866 | 4.23% |
| MONROE, MI | 17 | $4,005,000 | $235,588 | $4,686 | 3.40% |
| YAKIMA, WA | 16 | $3,990,000 | $249,375 | $3,343 | 3.10% |
| HOUMA-THIBODAUX, LA | 16 | $3,910,000 | $244,375 | $5,808 | 3.43% |
| CEDAR RAPIDS, IA | 18 | $3,880,000 | $215,556 | $4,815 | 3.57% |
| LEBANON, PA | 18 | $3,870,000 | $215,000 | $5,782 | 3.47% |
| RAPID CITY, SD | 13 | $3,715,000 | $285,769 | $3,442 | 3.19% |
| CLEVELAND, TN | 20 | $3,710,000 | $185,500 | $3,647 | 3.45% |
| GREAT FALLS, MT | 15 | $3,635,000 | $242,333 | $6,528 | 3.05% |
| TYLER, TX | 20 | $3,620,000 | $181,000 | $4,180 | 3.16% |
| KINGSTON, NY | 14 | $3,600,000 | $257,143 | $4,803 | 3.30% |
| SHERMAN-DENISON, TX | 18 | $3,580,000 | $198,889 | $5,227 | 3.33% |
| KALAMAZOO-PORTAGE, MI | 19 | $3,515,000 | $185,000 | $4,670 | 3.65% |
| SIOUX FALLS, SD | 15 | $3,495,000 | $233,000 | $2,927 | 3.17% |
| JACKSON, TN | 20 | $3,490,000 | $174,500 | $5,170 | 3.22% |
| LEWISTON-AUBURN, ME | 18 | $3,420,000 | $190,000 | $3,292 | 3.39% |
| SAN ANGELO, TX | 17 | $3,345,000 | $196,765 | $4,141 | 3.62% |
| LAKE CHARLES, LA | 17 | $3,315,000 | $195,000 | $4,203 | 3.34% |
| SPRINGFIELD, IL | 16 | $3,260,000 | $203,750 | $2,347 | 3.84% |
| BOWLING GREEN, KY | 14 | $3,250,000 | $232,143 | $5,023 | 3.24% |
| BATTLE CREEK, MI | 19 | $3,245,000 | $170,789 | $3,326 | 3.24% |
| LUBBOCK, TX | 15 | $3,185,000 | $212,333 | $3,720 | 3.38% |
| EVANSVILLE, IN-KY | 15 | $3,075,000 | $205,000 | $3,589 | 3.22% |
| TEXARKANA, TX-AR | 16 | $3,070,000 | $191,875 | $3,284 | 3.50% |
| CHAMPAIGN-URBANA, IL | 16 | $3,040,000 | $190,000 | $3,202 | 3.25% |
| FLORENCE-MUSCLE SHOALS, AL | 16 | $3,030,000 | $189,375 | $2,956 | 3.47% |
| TOPEKA, KS | 18 | $3,020,000 | $167,778 | $2,653 | 3.90% |
| JACKSON, MI | 16 | $2,920,000 | $182,500 | $3,483 | 3.30% |
| ALEXANDRIA, LA | 14 | $2,910,000 | $207,857 | $4,412 | 3.37% |
| HAMMOND, LA | 13 | $2,905,000 | $223,462 | $4,186 | 3.44% |
| LAREDO, TX | 13 | $2,905,000 | $223,462 | $4,592 | 3.37% |
| ELKHART-GOSHEN, IN | 14 | $2,900,000 | $207,143 | $5,862 | 4.12% |
| IOWA CITY, IA | 9 | $2,865,000 | $318,333 | $5,825 | 3.10% |
| TWIN FALLS, ID | 13 | $2,855,000 | $219,615 | $4,925 | 3.06% |
| MIDLAND, MI | 13 | $2,815,000 | $216,538 | $5,237 | 3.24% |
| GRANTS PASS, OR | 10 | $2,790,000 | $279,000 | $7,762 | 3.16% |
| LOGAN, UT-ID | 10 | $2,740,000 | $274,000 | $4,960 | 3.43% |
| ROME, GA | 12 | $2,670,000 | $222,500 | $3,919 | 3.21% |
| EAU CLAIRE, WI | 13 | $2,615,000 | $201,154 | $2,500 | 3.27% |
| TERRE HAUTE, IN | 14 | $2,600,000 | $185,714 | $2,669 | 3.46% |
| BINGHAMTON, NY | 18 | $2,560,000 | $142,222 | $3,225 | 3.97% |
| CARSON CITY, NV | 8 | $2,530,000 | $316,250 | $8,035 | 3.97% |
| FARGO, ND-MN | 8 | $2,530,000 | $316,250 | $7,253 | 3.39% |
| CORVALLIS, OR | 8 | $2,520,000 | $315,000 | $7,763 | 2.98% |
| CAPE GIRARDEAU, MO-IL | 12 | $2,510,000 | $209,167 | $3,261 | 3.67% |
| CHARLESTON, WV | 15 | $2,485,000 | $165,667 | $2,753 | 3.63% |
| JANESVILLE-BELOIT, WI | 15 | $2,485,000 | $165,667 | $2,623 | 4.10% |
| BLOOMSBURG-BERWICK, PA | 10 | $2,440,000 | $244,000 | $3,130 | 3.36% |
| JOPLIN, MO | 13 | $2,415,000 | $185,769 | $4,792 | 3.04% |
| ST. CLOUD, MN | 10 | $2,410,000 | $241,000 | $3,276 | 3.50% |
| ST. JOSEPH, MO-KS | 15 | $2,395,000 | $159,667 | $2,466 | 3.46% |
| BECKLEY, WV | 15 | $2,385,000 | $159,000 | $3,449 | 3.58% |
| MADERA, CA | 9 | $2,375,000 | $263,889 | $5,066 | 3.33% |
| JONESBORO, AR | 10 | $2,340,000 | $234,000 | $3,281 | 3.65% |
| BAY CITY, MI | 14 | $2,320,000 | $165,714 | $3,521 | 3.14% |
| GRAND FORKS, ND-MN | 8 | $2,290,000 | $286,250 | $4,716 | 3.03% |
| MICHIGAN CITY-LA PORTE, IN | 14 | $2,220,000 | $158,571 | $3,967 | 3.61% |
| BLOOMINGTON, IL | 13 | $2,185,000 | $168,077 | $2,837 | 2.88% |
| BISMARCK, ND | 6 | $2,180,000 | $363,333 | $6,254 | 3.17% |
| PITTSFIELD, MA | 10 | $2,180,000 | $218,000 | $3,474 | 2.91% |
| SPRINGFIELD, OH | 15 | $2,145,000 | $143,000 | $3,332 | 3.83% |
| SIOUX CITY, IA-NE-SD | 11 | $2,125,000 | $193,182 | $4,896 | 2.85% |
| WAUSAU-WESTON, WI | 11 | $2,105,000 | $191,364 | $2,521 | 3.00% |
| POCATELLO, ID | 10 | $2,050,000 | $205,000 | $4,544 | 3.84% |
| VINELAND-BRIDGETON, NJ | 11 | $1,985,000 | $180,455 | $3,434 | 3.52% |
| KANKAKEE, IL | 11 | $1,905,000 | $173,182 | $3,365 | 3.22% |
| WILLIAMSPORT, PA | 11 | $1,895,000 | $172,273 | $4,874 | 3.71% |
| MANSFIELD, OH | 13 | $1,835,000 | $141,154 | $2,950 | 2.93% |
| JEFFERSON CITY, MO | 8 | $1,820,000 | $227,500 | $4,387 | 3.13% |
| LA CROSSE-ONALASKA, WI-MN | 9 | $1,795,000 | $199,444 | $3,694 | 3.21% |
| FARMINGTON, NM | 10 | $1,780,000 | $178,000 | $6,049 | 3.75% |
| WEIRTON-STEUBENVILLE, WV-OH | 13 | $1,775,000 | $136,538 | $3,714 | 3.44% |
| LEWISTON, ID-WA | 8 | $1,750,000 | $218,750 | $3,683 | 3.80% |
| OWENSBORO, KY | 8 | $1,750,000 | $218,750 | $3,583 | 3.05% |
| VICTORIA, TX | 9 | $1,685,000 | $187,222 | $3,404 | 3.10% |
| ALTOONA, PA | 7 | $1,625,000 | $232,143 | $4,039 | 3.16% |
| CASPER, WY | 6 | $1,620,000 | $270,000 | $1,899 | 3.23% |
| MUSKEGON, MI | 9 | $1,595,000 | $177,222 | $5,900 | 3.51% |
| ITHACA, NY | 7 | $1,555,000 | $222,143 | $3,881 | 3.96% |
| MUNCIE, IN | 10 | $1,500,000 | $150,000 | $3,054 | 3.44% |
| MIDLAND, TX | 8 | $1,490,000 | $186,250 | $4,303 | 3.37% |
| OSHKOSH-NEENAH, WI | 7 | $1,455,000 | $207,857 | $2,902 | 3.74% |
| CARBONDALE-MARION, IL | 9 | $1,435,000 | $159,444 | $3,063 | 3.17% |
| DALTON, GA | 12 | $1,420,000 | $118,333 | $2,939 | 3.84% |
| LIMA, OH | 6 | $1,410,000 | $235,000 | $5,909 | 3.25% |
| PARKERSBURG-VIENNA, WV | 7 | $1,355,000 | $193,571 | $3,692 | 3.13% |
| AMES, IA | 8 | $1,330,000 | $166,250 | $3,741 | 3.25% |
| SHEBOYGAN, WI | 8 | $1,300,000 | $162,500 | $3,026 | 3.41% |
| MANKATO, MN | 6 | $1,280,000 | $213,333 | $2,038 | 3.31% |
| GADSDEN, AL | 10 | $1,240,000 | $124,000 | $1,301 | 3.34% |
| SAGINAW, MI | 8 | $1,230,000 | $153,750 | $2,707 | 3.42% |
| WALLA WALLA, WA | 3 | $1,225,000 | $408,333 | $12,784 | 3.54% |
| JOHNSTOWN, PA | 10 | $1,210,000 | $121,000 | $2,674 | 3.35% |
| ODESSA, TX | 6 | $1,210,000 | $201,667 | $5,201 | 3.98% |
| DUBUQUE, IA | 5 | $1,185,000 | $237,000 | $5,448 | 3.20% |
| CUMBERLAND, MD-WV | 6 | $1,170,000 | $195,000 | $3,990 | 4.76% |
| HOT SPRINGS, AR | 7 | $1,155,000 | $165,000 | $1,709 | 3.16% |
| WATERLOO-CEDAR FALLS, IA | 9 | $1,155,000 | $128,333 | $2,923 | 3.51% |
| DECATUR, IL | 9 | $1,155,000 | $128,333 | $3,056 | 3.26% |
| MONROE, LA | 7 | $1,125,000 | $160,714 | $4,553 | 3.09% |
| FOND DU LAC, WI | 6 | $1,060,000 | $176,667 | $4,229 | 2.75% |
| ELMIRA, NY | 7 | $985,000 | $140,714 | $4,277 | 3.70% |
| ENID, OK | 6 | $980,000 | $163,333 | $3,031 | 3.29% |
| ANNISTON-OXFORD, AL | 9 | $835,000 | $92,778 | $3,355 | 3.61% |
| COLUMBUS, IN | 4 | $820,000 | $205,000 | $1,287 | 2.88% |
| WHEELING, WV-OH | 5 | $725,000 | $145,000 | $4,400 | 3.60% |
| GRAND ISLAND, NE | 3 | $715,000 | $238,333 | $8,575 | 2.71% |
| KOKOMO, IN | 4 | $690,000 | $172,500 | $2,656 | 3.28% |
| PINE BLUFF, AR | 4 | $520,000 | $130,000 | $3,115 | 3.78% |
| DANVILLE, IL | 4 | $380,000 | $95,000 | $1,741 | 3.50% |
Navy Federal Credit Union's top markets include Washington, San Diego, Virginia Beach, Baltimore, and Atlanta among others.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 31,170 | $9,555,720,000 | $306,568 |
| 2.5-3% | 24,298 | $7,816,510,000 | $321,694 |
| <2.5% | 11,592 | $3,361,930,000 | $290,022 |
| 4-5% | 8,994 | $2,456,980,000 | $273,180 |
| 5-6% | 2,593 | $444,725,000 | $171,510 |
| Over 8% | 1,001 | $53,245,000 | $53,192 |
| 6-7% | 743 | $54,125,000 | $72,847 |
| 7-8% | 664 | $41,500,000 | $62,500 |
During 2020, Navy Federal Credit Union's average interest rate was 3.38%, while their most frequently originated rate bucket was 3-4%, with 31,170 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 36,376 | $10,366,650,000 | $284,986 | $5,463 | 3.24% |
| $100k-200k | 19,744 | $3,046,510,000 | $154,301 | $3,552 | 3.34% |
| $400k-600k | 11,756 | $5,662,650,000 | $481,682 | $7,857 | 3.19% |
| $100,000 or less | 7,834 | $488,690,000 | $62,381 | $1,853 | 4.89% |
| $600k-1MM | 4,686 | $3,397,870,000 | $725,111 | $10,485 | 3.18% |
| $1MM+ | 659 | $822,365,000 | $1,247,898 | $16,047 | 3.07% |
2020 saw Navy Federal Credit Union place emphasis on $200k-400k loans with 36,376 originations, totaling $10,366,650,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 18,837 | $5,658,395,000 | $300,387 | $5,908 | 3.44% |
| $50k-75k | 14,490 | $2,918,110,000 | $201,388 | $4,734 | 3.52% |
| $150k-250k | 13,894 | $5,411,870,000 | $389,511 | $6,690 | 3.37% |
| $75k-100k | 13,643 | $3,340,655,000 | $244,862 | $5,405 | 3.51% |
| $50k or less | 7,850 | $1,322,720,000 | $168,499 | $3,521 | 3.50% |
| $250k+ | 4,529 | $2,554,205,000 | $563,967 | $8,220 | 3.22% |
Navy Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 18,837 originations. The second most popular income band? $50k-75k, with 14,490 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 16,826 | $4,773,630,000 | $283,706 | $5,290 | 3.22% |
| 30-36% | 12,578 | $3,694,850,000 | $293,755 | $5,673 | 3.43% |
| <20% | 10,863 | $2,932,635,000 | $269,965 | $4,424 | 2.98% |
| 50-60% | 6,557 | $1,990,725,000 | $303,603 | $6,609 | 3.85% |
| 39% | 2,218 | $657,220,000 | $296,312 | $5,911 | 3.61% |
| 36% | 2,191 | $643,025,000 | $293,485 | $5,766 | 3.51% |
| 37% | 2,173 | $637,635,000 | $293,435 | $5,802 | 3.57% |
| 42% | 2,156 | $661,270,000 | $306,712 | $6,143 | 3.61% |
| 41% | 2,134 | $632,910,000 | $296,584 | $6,032 | 3.61% |
| 38% | 2,116 | $624,300,000 | $295,038 | $5,823 | 3.58% |
| 40% | 2,078 | $621,490,000 | $299,081 | $5,847 | 3.60% |
| 44% | 2,023 | $584,735,000 | $289,043 | $5,749 | 3.71% |
| 43% | 1,974 | $579,760,000 | $293,698 | $5,911 | 3.63% |
| 45% | 1,843 | $558,315,000 | $302,938 | $5,925 | 3.70% |
| 47% | 1,696 | $528,810,000 | $311,798 | $6,367 | 3.75% |
| 46% | 1,664 | $497,160,000 | $298,774 | $6,060 | 3.75% |
| 48% | 1,518 | $451,110,000 | $297,174 | $6,060 | 3.78% |
| 49% | 1,481 | $428,395,000 | $289,261 | $5,822 | 3.83% |
| >60% | 1,356 | $386,650,000 | $285,140 | $5,876 | 4.06% |
Navy Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 16,826 originations. The next most common DTI ratio? 30-36%, with 12,578 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 53,693 | $15,589,985,000 | $290,354 | $5,455 | 3.36% |
| Black | 12,112 | $3,272,840,000 | $270,215 | $5,385 | 3.71% |
| Not provided | 9,065 | $2,866,265,000 | $316,190 | $5,629 | 3.35% |
| Asian | 3,450 | $1,198,440,000 | $347,374 | $5,940 | 3.30% |
| American Indian | 1,265 | $348,275,000 | $275,316 | $5,560 | 3.44% |
| Filipino | 532 | $188,150,000 | $353,665 | $6,280 | 3.34% |
| Native Hawaiian | 247 | $74,675,000 | $302,328 | $6,693 | 3.48% |
| Asian Indian | 162 | $70,800,000 | $437,037 | $5,093 | 3.06% |
| Other Asian | 123 | $44,015,000 | $357,846 | $5,984 | 3.36% |
| Vietnamese | 77 | $26,905,000 | $349,416 | $5,530 | 3.19% |
| Chinese | 59 | $24,335,000 | $412,458 | $6,638 | 3.34% |
| Other Pacific Islander | 83 | $22,295,000 | $268,614 | $4,962 | 3.38% |
| Korean | 63 | $22,145,000 | $351,508 | $5,387 | 3.22% |
| Guamanian | 36 | $13,190,000 | $366,389 | $7,642 | 3.42% |
| Not applicable | 42 | $9,180,000 | $218,571 | $0 | 5.08% |
| Japanese | 28 | $6,920,000 | $247,143 | $4,396 | 3.12% |
| Samoan | 10 | $4,240,000 | $424,000 | $7,934 | 3.21% |
| Native Hawiian | 8 | $2,080,000 | $260,000 | $4,020 | 3.84% |
Approval Rates
Total approvals of all applications80.25%
Navy Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination39.86%
Navy Federal Credit Union 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 | 81,055 | $23,784,735,000 | $293,439 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 16 | $4,610,000 | $288,125 |
| Single Family (1-4 Units):Manufactured | 868 | $139,420,000 | $160,622 |
| Single Family (1-4 Units):Site-Built | 80,171 | $23,640,705,000 | $294,879 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 4,001 | $629,495,000 | $157,334 | $3,066 | 3.69% |
| 40-60% | 7,708 | $1,884,710,000 | $244,513 | $4,395 | 2.81% |
| 60-80% | 15,726 | $4,898,920,000 | $311,517 | $5,263 | 2.95% |
| 80-100% | 38,644 | $12,186,530,000 | $315,354 | $5,423 | 3.50% |
| Over 100% | 6,036 | $2,089,710,000 | $346,208 | $11,438 | 3.45% |
| Under 20% | 3,371 | $203,875,000 | $60,479 | $1,021 | 6.31% |