Provident Funding Associates L.p. Mortgage Rates, Fees & Info
BURLINGAME, CALEI: 54930043BMDE130FJ617
Tax ID: 77-0323586
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Mortgage Data
Review & Overview
Provident Funding Associates L.p. is a large mortgage company specializing in Refi loans. Provident Funding Associates L.p. 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 by origination volume include: Dallas, Portland, Denver, Salt Lake City, and Seattle among others. We have data for 413 markets. (Some data included below & more in-depth data is available with an active subscription.)Provident Funding Associates L.p. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Provident Funding Associates L.p. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.19% | 4/19/24 |
| 30 Year Conventional Refi | 6.11% | 4/19/24 |
| 30 Year Cash-out Refi | 6.21% | 4/19/24 |
| 15 Year Conventional Purchase | 5.51% | 4/19/24 |
| 15 Year Conventional Refi | 5.58% | 4/19/24 |
| 15 Year Cash-out Refi | 5.58% | 4/19/24 |
| 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. | ||
Provident Funding Associates L.p. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
45,419Origination Dollar Volume (All Markets)
$13,695,795,000Awards
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PROVIDENT FUNDING ASSOCIATES L.P. - 2020
PROVIDENT FUNDING ASSOCIATES L.P. is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2,891 | $900,585,000 | $311,513 | $3,459 | 3.04% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2,397 | $812,695,000 | $339,047 | $3,845 | 3.06% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2,228 | $741,050,000 | $332,608 | $3,078 | 3.09% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2,170 | $651,510,000 | $300,235 | $3,283 | 3.10% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1,755 | $650,215,000 | $370,493 | $3,395 | 2.99% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2,186 | $578,240,000 | $264,520 | $2,927 | 3.07% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1,904 | $546,580,000 | $287,069 | $3,089 | 3.08% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1,468 | $531,800,000 | $362,262 | $3,399 | 3.02% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1,259 | $491,485,000 | $390,377 | $3,513 | 2.98% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1,504 | $443,120,000 | $294,628 | $4,111 | 2.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1,274 | $401,570,000 | $315,204 | $3,168 | 3.15% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1,340 | $376,110,000 | $280,679 | $3,191 | 3.09% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1,270 | $367,920,000 | $289,701 | $3,324 | 3.14% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 801 | $326,035,000 | $407,035 | $3,444 | 2.96% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1,023 | $294,655,000 | $288,030 | $2,990 | 3.07% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 750 | $269,740,000 | $359,653 | $3,255 | 3.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 859 | $262,015,000 | $305,023 | $3,706 | 2.95% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 873 | $260,185,000 | $298,036 | $3,525 | 3.13% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 935 | $251,065,000 | $268,519 | $3,523 | 3.03% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 658 | $238,300,000 | $362,158 | $3,399 | 2.98% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 808 | $223,810,000 | $276,993 | $2,872 | 3.05% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 651 | $215,985,000 | $331,774 | $3,131 | 2.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 759 | $201,875,000 | $265,975 | $2,618 | 3.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 602 | $166,290,000 | $276,229 | $2,808 | 3.04% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 625 | $151,165,000 | $241,864 | $2,590 | 3.11% |
| LOUISVILLE, KY (FHA|USDA|VA) | 561 | $137,105,000 | $244,394 | $2,781 | 3.08% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 420 | $122,070,000 | $290,643 | $3,462 | 3.06% |
| BOULDER, CO (FHA|USDA|VA) | 310 | $113,360,000 | $365,677 | $3,180 | 3.03% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 331 | $100,315,000 | $303,066 | $3,895 | 3.05% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 352 | $93,180,000 | $264,716 | $2,478 | 3.09% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 406 | $91,410,000 | $225,148 | $2,578 | 3.21% |
| PITTSBURGH, PA (FHA|USDA|VA) | 324 | $85,680,000 | $264,444 | $3,982 | 2.97% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 341 | $81,605,000 | $239,311 | $3,277 | 2.97% |
| Outside of Metro Areas | 329 | $78,185,000 | $237,644 | $3,277 | 3.06% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 298 | $73,820,000 | $247,718 | $2,594 | 3.11% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 268 | $68,320,000 | $254,925 | $2,623 | 3.05% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 191 | $63,165,000 | $330,707 | $3,322 | 3.05% |
| VALLEJO, CA (FHA|USDA|VA) | 190 | $61,680,000 | $324,632 | $3,467 | 3.14% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 172 | $61,200,000 | $355,814 | $3,409 | 3.05% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 185 | $61,035,000 | $329,919 | $3,208 | 3.08% |
| BEND, OR (FHA|USDA|VA) | 195 | $59,805,000 | $306,692 | $4,009 | 3.21% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 234 | $59,330,000 | $253,547 | $2,972 | 3.10% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 196 | $53,190,000 | $271,378 | $3,530 | 3.01% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 150 | $49,540,000 | $330,267 | $3,586 | 2.97% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 202 | $48,770,000 | $241,436 | $3,604 | 3.01% |
| FORT COLLINS, CO (FHA|USDA|VA) | 156 | $48,050,000 | $308,013 | $3,293 | 3.10% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 108 | $47,130,000 | $436,389 | $4,155 | 3.01% |
| TUCSON, AZ (FHA|USDA|VA) | 197 | $44,755,000 | $227,183 | $2,914 | 3.06% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 162 | $44,340,000 | $273,704 | $2,958 | 2.93% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 160 | $44,320,000 | $277,000 | $2,940 | 3.08% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 178 | $41,250,000 | $231,742 | $3,543 | 3.00% |
| STOCKTON, CA (FHA|USDA|VA) | 133 | $40,885,000 | $307,406 | $3,035 | 3.08% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 151 | $39,175,000 | $259,437 | $3,402 | 3.01% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 141 | $38,825,000 | $275,355 | $3,034 | 3.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 154 | $38,810,000 | $252,013 | $3,694 | 3.07% |
| RICHMOND, VA (FHA|USDA|VA) | 132 | $37,520,000 | $284,242 | $3,375 | 3.00% |
| RENO, NV (FHA|USDA|VA) | 124 | $37,320,000 | $300,968 | $3,489 | 3.16% |
| GREELEY, CO (FHA|USDA|VA) | 123 | $36,945,000 | $300,366 | $2,850 | 3.10% |
| ST. GEORGE, UT (FHA|USDA|VA) | 136 | $36,000,000 | $264,706 | $3,212 | 3.13% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 130 | $29,670,000 | $228,231 | $2,898 | 2.97% |
| COLUMBUS, OH (FHA|USDA|VA) | 113 | $27,115,000 | $239,956 | $3,215 | 3.05% |
| Heber, UT (FHA|USDA|VA) | 73 | $26,565,000 | $363,904 | $3,496 | 3.09% |
| MODESTO, CA (FHA|USDA|VA) | 108 | $26,430,000 | $244,722 | $2,848 | 3.10% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 100 | $25,680,000 | $256,800 | $3,668 | 3.06% |
| SALINAS, CA (FHA|USDA|VA) | 62 | $22,620,000 | $364,839 | $3,155 | 3.11% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 74 | $22,060,000 | $298,108 | $2,905 | 2.95% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 66 | $22,010,000 | $333,485 | $3,230 | 2.93% |
| SALEM, OR (FHA|USDA|VA) | 81 | $21,715,000 | $268,086 | $3,796 | 3.05% |
| WILMINGTON, NC (FHA|USDA|VA) | 90 | $21,510,000 | $239,000 | $2,904 | 3.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 77 | $19,385,000 | $251,753 | $2,631 | 3.30% |
| LOGAN, UT-ID (FHA|USDA|VA) | 84 | $19,120,000 | $227,619 | $2,978 | 3.01% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 77 | $18,985,000 | $246,558 | $3,650 | 2.88% |
| FRESNO, CA (FHA|USDA|VA) | 76 | $18,750,000 | $246,711 | $2,770 | 3.02% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 62 | $17,700,000 | $285,484 | $3,168 | 3.01% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 65 | $17,445,000 | $268,385 | $3,169 | 3.01% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 58 | $16,450,000 | $283,621 | $3,301 | 3.01% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 56 | $15,990,000 | $285,536 | $3,220 | 3.09% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 50 | $15,930,000 | $318,600 | $3,209 | 3.15% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 52 | $15,270,000 | $293,654 | $3,168 | 2.97% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 66 | $15,270,000 | $231,364 | $2,809 | 3.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 60 | $14,930,000 | $248,833 | $3,225 | 3.19% |
| NAPA, CA (FHA|USDA|VA) | 40 | $14,860,000 | $371,500 | $3,196 | 3.12% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 55 | $14,195,000 | $258,091 | $3,648 | 3.03% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 52 | $13,470,000 | $259,038 | $3,471 | 2.99% |
| GAINESVILLE, FL (FHA|USDA|VA) | 58 | $13,380,000 | $230,690 | $3,523 | 2.99% |
| TULSA, OK (FHA|USDA|VA) | 51 | $13,065,000 | $256,176 | $3,364 | 3.17% |
| CHICO, CA (FHA|USDA|VA) | 45 | $12,365,000 | $274,778 | $3,163 | 3.21% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 46 | $12,060,000 | $262,174 | $2,759 | 2.96% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 54 | $11,240,000 | $208,148 | $2,904 | 3.04% |
| CORVALLIS, OR (FHA|USDA|VA) | 40 | $11,230,000 | $280,750 | $3,860 | 3.03% |
| BOISE CITY, ID (FHA|USDA|VA) | 38 | $11,000,000 | $289,474 | $3,558 | 3.04% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 44 | $10,900,000 | $247,727 | $3,026 | 3.06% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 48 | $10,830,000 | $225,625 | $3,138 | 2.97% |
| WENATCHEE, WA (FHA|USDA|VA) | 33 | $10,585,000 | $320,758 | $3,458 | 3.06% |
| REDDING, CA (FHA|USDA|VA) | 41 | $10,525,000 | $256,707 | $3,324 | 3.30% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 33 | $9,965,000 | $301,970 | $3,960 | 2.91% |
| Durango, CO (FHA|USDA|VA) | 32 | $9,910,000 | $309,688 | $2,846 | 3.07% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 41 | $9,545,000 | $232,805 | $3,727 | 3.01% |
| LANCASTER, PA (FHA|USDA|VA) | 42 | $9,510,000 | $226,429 | $3,567 | 2.98% |
| BELLINGHAM, WA (FHA|USDA|VA) | 33 | $9,095,000 | $275,606 | $2,829 | 3.08% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 30 | $9,030,000 | $301,000 | $2,999 | 3.14% |
| ASHEVILLE, NC (FHA|USDA|VA) | 35 | $8,855,000 | $253,000 | $3,128 | 3.04% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 34 | $8,800,000 | $258,824 | $2,789 | 3.06% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 36 | $8,730,000 | $242,500 | $3,533 | 3.10% |
| Cedar City, UT (FHA|USDA|VA) | 36 | $8,700,000 | $241,667 | $3,663 | 3.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 34 | $8,600,000 | $252,941 | $3,241 | 2.89% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 33 | $8,405,000 | $254,697 | $3,581 | 3.12% |
| GAINESVILLE, GA (FHA|USDA|VA) | 34 | $8,320,000 | $244,706 | $2,965 | 3.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 29 | $8,145,000 | $280,862 | $4,140 | 2.93% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 28 | $7,780,000 | $277,857 | $3,623 | 3.13% |
| Frankfort, KY (FHA|USDA|VA) | 34 | $7,610,000 | $223,824 | $2,804 | 3.13% |
| MEDFORD, OR (FHA|USDA|VA) | 28 | $7,390,000 | $263,929 | $3,975 | 2.93% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 33 | $7,365,000 | $223,182 | $2,614 | 2.90% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 36 | $7,240,000 | $201,111 | $3,471 | 3.04% |
| SAVANNAH, GA (FHA|USDA|VA) | 29 | $7,125,000 | $245,690 | $3,516 | 3.02% |
| ANN ARBOR, MI (FHA|USDA|VA) | 26 | $7,040,000 | $270,769 | $2,586 | 3.14% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 28 | $7,010,000 | $250,357 | $2,860 | 2.95% |
| READING, PA (FHA|USDA|VA) | 26 | $6,950,000 | $267,308 | $4,107 | 2.93% |
| Edwards, CO (FHA|USDA|VA) | 18 | $6,820,000 | $378,889 | $4,628 | 3.34% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 26 | $6,650,000 | $255,769 | $3,186 | 2.84% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 26 | $6,500,000 | $250,000 | $3,556 | 3.03% |
| Steamboat Springs, CO (FHA|USDA|VA) | 14 | $6,030,000 | $430,714 | $3,210 | 3.15% |
| Oak Harbor, WA (FHA|USDA|VA) | 20 | $6,020,000 | $301,000 | $3,639 | 2.93% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 23 | $5,915,000 | $257,174 | $4,079 | 2.92% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 23 | $5,735,000 | $249,348 | $2,895 | 2.90% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 26 | $5,690,000 | $218,846 | $3,126 | 2.97% |
| Show Low, AZ (FHA|USDA|VA) | 23 | $5,685,000 | $247,174 | $2,861 | 2.95% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 17 | $5,555,000 | $326,765 | $4,160 | 2.96% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 17 | $5,425,000 | $319,118 | $3,392 | 3.04% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 23 | $5,405,000 | $235,000 | $2,835 | 3.22% |
| ROCHESTER, MN (FHA|USDA|VA) | 21 | $5,125,000 | $244,048 | $2,617 | 3.11% |
| YUBA CITY, CA (FHA|USDA|VA) | 20 | $4,940,000 | $247,000 | $3,008 | 3.14% |
| Breckenridge, CO (FHA|USDA|VA) | 13 | $4,935,000 | $379,615 | $3,567 | 3.20% |
| MERCED, CA (FHA|USDA|VA) | 20 | $4,870,000 | $243,500 | $3,445 | 3.12% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 21 | $4,785,000 | $227,857 | $3,842 | 2.79% |
| SPARTANBURG, SC (FHA|USDA|VA) | 25 | $4,735,000 | $189,400 | $3,406 | 3.18% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 19 | $4,625,000 | $243,421 | $4,157 | 2.88% |
| Glenwood Springs, CO (FHA|USDA|VA) | 14 | $4,470,000 | $319,286 | $3,210 | 3.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 18 | $4,440,000 | $246,667 | $3,348 | 3.19% |
| VISALIA, CA (FHA|USDA|VA) | 17 | $4,435,000 | $260,882 | $2,720 | 3.26% |
| Torrington, CT (FHA|USDA|VA) | 17 | $4,405,000 | $259,118 | $3,445 | 2.96% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 17 | $4,365,000 | $256,765 | $3,088 | 3.01% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 17 | $4,265,000 | $250,882 | $3,027 | 2.89% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 15 | $4,255,000 | $283,667 | $3,711 | 3.14% |
| KNOXVILLE, TN (FHA|USDA|VA) | 18 | $4,230,000 | $235,000 | $2,775 | 2.84% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 18 | $4,180,000 | $232,222 | $2,745 | 3.24% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 12 | $4,000,000 | $333,333 | $3,401 | 3.16% |
| Hailey, ID (FHA|USDA|VA) | 13 | $3,995,000 | $307,308 | $3,513 | 3.20% |
| Outside of Metro Areas | 11 | $3,945,000 | $358,636 | $4,126 | 3.07% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 12 | $3,740,000 | $311,667 | $3,286 | 3.13% |
| Payson, AZ (FHA|USDA|VA) | 14 | $3,740,000 | $267,143 | $3,033 | 3.13% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 13 | $3,545,000 | $272,692 | $2,722 | 2.90% |
| Jefferson, GA (FHA|USDA|VA) | 16 | $3,540,000 | $221,250 | $3,180 | 3.19% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 19 | $3,435,000 | $180,789 | $3,377 | 3.02% |
| THE VILLAGES, FL (FHA|USDA|VA) | 17 | $3,395,000 | $199,706 | $3,366 | 3.04% |
| Ellensburg, WA (FHA|USDA|VA) | 11 | $3,345,000 | $304,091 | $3,040 | 3.01% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 15 | $3,325,000 | $221,667 | $3,065 | 3.02% |
| GRANTS PASS, OR (FHA|USDA|VA) | 12 | $3,210,000 | $267,500 | $3,832 | 3.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 12 | $3,190,000 | $265,833 | $2,901 | 3.11% |
| Richmond-Berea, KY (FHA|USDA|VA) | 14 | $3,030,000 | $216,429 | $2,522 | 3.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 14 | $2,990,000 | $213,571 | $3,079 | 2.92% |
| CARSON CITY, NV (FHA|USDA|VA) | 11 | $2,975,000 | $270,455 | $3,970 | 3.27% |
| MIDLAND, TX (FHA|USDA|VA) | 9 | $2,955,000 | $328,333 | $3,866 | 3.21% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 11 | $2,745,000 | $249,545 | $3,695 | 2.86% |
| Astoria, OR (FHA|USDA|VA) | 10 | $2,540,000 | $254,000 | $4,160 | 2.90% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 9 | $2,535,000 | $281,667 | $5,763 | 3.21% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 14 | $2,520,000 | $180,000 | $3,410 | 3.27% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 9 | $2,465,000 | $273,889 | $3,795 | 3.35% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 11 | $2,415,000 | $219,545 | $3,547 | 3.27% |
| OCALA, FL (FHA|USDA|VA) | 14 | $2,390,000 | $170,714 | $3,575 | 3.30% |
| Sonora, CA (FHA|USDA|VA) | 11 | $2,365,000 | $215,000 | $3,682 | 3.15% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 9 | $2,345,000 | $260,556 | $3,233 | 2.96% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 12 | $2,330,000 | $194,167 | $2,503 | 2.94% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 9 | $2,285,000 | $253,889 | $4,323 | 3.03% |
| TYLER, TX (FHA|USDA|VA) | 12 | $2,240,000 | $186,667 | $3,480 | 3.08% |
| Boone, NC (FHA|USDA|VA) | 9 | $2,225,000 | $247,222 | $2,517 | 2.96% |
| Clearlake, CA (FHA|USDA|VA) | 9 | $2,225,000 | $247,222 | $2,808 | 3.03% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 10 | $2,220,000 | $222,000 | $2,827 | 2.96% |
| LONGVIEW, WA (FHA|USDA|VA) | 10 | $2,220,000 | $222,000 | $3,388 | 3.23% |
| LYNCHBURG, VA (FHA|USDA|VA) | 11 | $2,215,000 | $201,364 | $3,017 | 2.88% |
| Newport, OR (FHA|USDA|VA) | 8 | $2,140,000 | $267,500 | $4,073 | 3.25% |
| TOLEDO, OH (FHA|USDA|VA) | 9 | $2,025,000 | $225,000 | $3,043 | 3.00% |
| Montrose, CO (FHA|USDA|VA) | 7 | $2,025,000 | $289,286 | $3,486 | 2.98% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 8 | $1,960,000 | $245,000 | $3,160 | 2.89% |
| Prineville, OR (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $4,031 | 3.40% |
| EL PASO, TX (FHA|USDA|VA) | 9 | $1,875,000 | $208,333 | $3,421 | 2.83% |
| AKRON, OH (FHA|USDA|VA) | 11 | $1,865,000 | $169,545 | $2,978 | 2.94% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $3,129 | 3.02% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 8 | $1,740,000 | $217,500 | $3,104 | 3.25% |
| Brainerd, MN (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $2,760 | 2.93% |
| WALLA WALLA, WA (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $3,284 | 2.81% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $3,163 | 3.32% |
| OWENSBORO, KY (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $2,839 | 3.15% |
| Hood River, OR (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $3,300 | 3.18% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 7 | $1,625,000 | $232,143 | $4,270 | 2.77% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 10 | $1,610,000 | $161,000 | $4,002 | 2.98% |
| Port Angeles, WA (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $2,573 | 2.77% |
| Morehead City, NC (FHA|USDA|VA) | 8 | $1,580,000 | $197,500 | $2,884 | 3.05% |
| YAKIMA, WA (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $3,179 | 3.35% |
| PUEBLO, CO (FHA|USDA|VA) | 8 | $1,580,000 | $197,500 | $3,019 | 3.03% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $3,427 | 3.02% |
| Coos Bay, OR (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $3,332 | 3.27% |
| EL CENTRO, CA (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $3,430 | 2.75% |
| Shelton, WA (FHA|USDA|VA) | 7 | $1,475,000 | $210,714 | $3,080 | 3.38% |
| LEBANON, PA (FHA|USDA|VA) | 7 | $1,445,000 | $206,429 | $3,774 | 3.18% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $2,756 | 2.95% |
| Ukiah, CA (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $3,622 | 3.10% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $2,873 | 3.20% |
| Red Bluff, CA (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $4,435 | 3.38% |
| LONGVIEW, TX (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $3,903 | 3.13% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $3,576 | 2.92% |
| Athens, TX (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $3,537 | 2.90% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 7 | $1,235,000 | $176,429 | $2,809 | 2.86% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $3,003 | 3.23% |
| RACINE, WI (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $2,426 | 3.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $3,430 | 2.69% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $3,100 | 3.04% |
| Centralia, WA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $2,933 | 3.23% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $2,459 | 3.10% |
| Price, UT (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $3,256 | 2.75% |
| Seneca, SC (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $2,617 | 3.13% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 7 | $1,115,000 | $159,286 | $3,304 | 2.73% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $3,249 | 3.03% |
| Traverse City, MI (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $2,655 | 2.98% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $2,293 | 2.98% |
| PEORIA, IL (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $2,435 | 2.83% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $3,339 | 3.20% |
| Roseburg, OR (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,892 | 2.81% |
| Statesboro, GA (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $3,201 | 3.00% |
| ABILENE, TX (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $2,965 | 3.06% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $2,844 | 3.25% |
| MONROE, MI (FHA|USDA|VA) | 6 | $1,000,000 | $166,667 | $3,134 | 3.00% |
| STAUNTON, VA (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $2,625 | 2.91% |
| BURLINGTON, NC (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $2,620 | 2.94% |
| FORT WAYNE, IN (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $2,767 | 3.08% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $4,963 | 3.38% |
| Pullman, WA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $2,285 | 3.50% |
| ROANOKE, VA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $2,588 | 2.84% |
| MADERA, CA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $4,115 | 3.41% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $2,502 | 3.65% |
| Vernal, UT (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $2,647 | 2.69% |
| Fallon, NV (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $5,194 | 3.58% |
| KOKOMO, IN (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $2,259 | 3.41% |
| Moses Lake, WA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $4,765 | 3.46% |
| ROME, GA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $3,716 | 3.21% |
| YUMA, AZ (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $2,210 | 3.18% |
| Corsicana, TX (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,990 | 3.29% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,463 | 2.91% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $5,545 | 2.94% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $3,263 | 3.25% |
| Aberdeen, WA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $2,688 | 3.22% |
| NEW BERN, NC (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $3,277 | 2.94% |
| MADISON, WI (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $2,341 | 3.28% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,161 | 2.83% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $2,498 | 2.68% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $4,141 | 3.46% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $2,645 | 3.38% |
| Warsaw, IN (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $2,649 | 2.94% |
| Lewisburg, PA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,177 | 2.83% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $2,731 | 3.06% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $4,463 | 3.06% |
| ERIE, PA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $3,740 | 2.81% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $2,872 | 2.96% |
| Pottsville, PA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,780 | 2.81% |
| Albemarle, NC (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $2,573 | 3.17% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $3,101 | 3.31% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,845 | 3.29% |
| MUNCIE, IN (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $2,403 | 2.95% |
| LaGrange, GA-AL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,641 | 2.42% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,397 | 2.84% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $2,939 | 2.88% |
| WACO, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,223 | 2.96% |
| GREENVILLE, NC (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,904 | 3.17% |
| COLUMBUS, IN (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,170 | 3.04% |
| LAWRENCE, KS (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,372 | 2.96% |
| FLINT, MI (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,577 | 2.83% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,341 | 3.50% |
| Thomasville, GA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,041 | 3.21% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,592 | 3.50% |
| Holland, MI (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,876 | 3.50% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,779 | 3.04% |
| The Dalles, OR (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,924 | 2.94% |
| Somerset, PA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,562 | 2.81% |
| Sanford, NC (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,464 | 2.79% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $2,382 | 3.63% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,059 | 2.75% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,878 | 3.13% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,299 | 3.06% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,565 | 2.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $3,057 | 3.47% |
| KANKAKEE, IL (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $4,040 | 2.84% |
| Danville, KY (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,679 | 3.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,138 | 3.19% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,404 | 2.88% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,768 | 2.94% |
| Fernley, NV (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,212 | 2.96% |
| DULUTH, MN-WI (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,695 | 2.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,797 | 2.67% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,045 | 2.88% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,208 | 3.50% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,926 | 3.06% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,245 | 3.19% |
| Shelby, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,470 | 3.50% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,384 | 3.38% |
| Somerset, KY (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,929 | 3.13% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,440 | 3.06% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,952 | 3.06% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,728 | 2.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,204 | 3.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,803 | 2.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,165 | 3.63% |
| Scottsburg, IN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,458 | 2.88% |
| Mineral Wells, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,723 | 3.44% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,748 | 3.31% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,828 | 3.06% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,154 | 3.50% |
| MUSKEGON, MI (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,206 | 2.83% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,465 | 2.88% |
| Bardstown, KY (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,741 | 2.88% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,934 | 3.88% |
| DuBois, PA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,699 | 3.31% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,859 | 3.25% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,464 | 2.94% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,020 | 3.25% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,592 | 3.88% |
| Rexburg, ID (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,372 | 3.19% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,731 | 3.44% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,703 | 2.88% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,015 | 3.38% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,360 | 2.81% |
| Kendallville, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,514 | 3.00% |
| London, KY (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,487 | 2.75% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,919 | 3.50% |
| Lake City, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,006 | 2.94% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,345 | 3.94% |
| Meadville, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,035 | 3.19% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,332 | 3.00% |
| Wilmington, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,649 | 3.69% |
| Key West, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,617 | 3.00% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,523 | 3.13% |
| Angola, IN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $1,923 | 2.94% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,017 | 2.75% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,749 | 3.38% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,517 | 2.63% |
| Rolla, MO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,133 | 2.75% |
| Shawano, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,278 | 3.38% |
| Dublin, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,502 | 3.00% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,476 | 3.13% |
| Forest City, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,071 | 3.13% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,775 | 3.63% |
| Marietta, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,215 | 3.00% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,113 | 2.75% |
| Crossville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,392 | 2.75% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,660 | 2.50% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,767 | 3.00% |
| Summerville, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,508 | 2.75% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,206 | 3.38% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,631 | 3.38% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,814 | 3.00% |
| El Campo, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,591 | 2.88% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,289 | 3.75% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,670 | 3.00% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,343 | 3.63% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,456 | 3.38% |
| DALTON, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,273 | 3.38% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,759 | 2.63% |
| JACKSON, TN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,076 | 3.13% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,277 | 2.88% |
| Susanville, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,950 | 2.75% |
| Brookings, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,731 | 3.00% |
| Duncan, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,422 | 3.38% |
| Farmington, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,128 | 3.38% |
| New Castle, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,967 | 2.75% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,287 | 3.50% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,398 | 2.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,680 | 2.63% |
| Lincoln, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,677 | 3.38% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,679 | 2.25% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,983 | 2.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,215 | 2.88% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,980 | 2.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,550 | 3.38% |
| Murray, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,699 | 3.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,215 | 3.38% |
| Danville, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,131 | 2.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,725 | 2.88% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,111 | 2.38% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,660 | 2.63% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,135 | 3.13% |
| Selinsgrove, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,820 | 3.38% |
| Durant, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,422 | 3.25% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,207 | 2.63% |
| Peru, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,546 | 3.75% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,305 | 3.63% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,335 | 2.75% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,667 | 2.50% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,719 | 2.75% |
| Rockport, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,977 | 2.63% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,935 | 3.25% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,865 | 2.88% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,975 | 2.38% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,773 | 3.38% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,100 | 2.88% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,405 | 3.25% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,940 | 2.75% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,845 | 3.13% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,960 | 2.88% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,751 | 3.38% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,404 | 2.75% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,511 | 3.13% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,751 | 3.88% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,382 | 2.50% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,684 | 2.38% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 45,269 | $13,649,775,000 | $301,526 | $3,271 | 3.05% |
| FHA | 150 | $46,020,000 | $306,800 | $8,523 | 3.06% |
For 2020, Provident Funding Associates L.p.'s most frequently originated type of loan was Conventional, with 45,269 originations. Their 2nd most popular type was FHA, with 150 originations.
Loan Reason
For 2020, Provident Funding Associates L.p.'s most frequently cited loan purpose was Refi, with 32,538 originations. The 2nd most popular reason was Cash Out Refi, with 8,375 originations.
Loan Duration/Length
For 2020, Provident Funding Associates L.p.'s most frequently cited loan duration was 30 Year, with 33,099 originations. The 2nd most popular length was 15 Year, with 7,155 originations.
Origination Fees/Closing Costs
Provident Funding Associates L.p.'s average total fees were $3,368, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 37,797 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 21,804 | $6,636,200,000 | $304,357 |
| 3-4% | 18,381 | $5,746,375,000 | $312,626 |
| <2.5% | 4,823 | $1,204,385,000 | $249,717 |
| 4-5% | 411 | $108,835,000 | $264,805 |
During 2020, Provident Funding Associates L.p.'s average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 2.5-3%, with 21,804 originations.
Loan Sizing
2020 saw Provident Funding Associates L.p. place emphasis on $200k-400k loans with 27,179 originations, totaling $7,974,915,000 in origination value.
Applicant Income
Provident Funding Associates L.p. lent most frequently to those with incomes in the $100k-150k range, with 16,364 originations. The second most popular income band? $150k-250k, with 10,171 originations.
Applicant Debt to Income Ratio
Provident Funding Associates L.p. lent most frequently to those with DTI ratios of 20-30%, with 14,702 originations. The next most common DTI ratio? 30-36%, with 9,718 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.32%
Provident Funding Associates L.p. has an average approval rate.
Pick Rate
Approvals leading to origination64.38%
Provident Funding Associates L.p. 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 | 45,419 | $13,695,795,000 | $301,543 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 45,419 | $13,695,795,000 | $301,543 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| PROVIDENT FUNDING ASSOCIATES | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 9 | 31.0% |
| PROVIDENT FUNDING ASSOCIATES | Conventional home mortgage | Closing on a mortgage | 6 | 20.7% |
| PROVIDENT FUNDING ASSOCIATES | Conventional home mortgage | Struggling to pay mortgage | 4 | 13.8% |
| PROVIDENT FUNDING ASSOCIATES | Conventional home mortgage | Trouble during payment process | 9 | 31.0% |
| PROVIDENT FUNDING ASSOCIATES | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 3.4% |