Commerce Home Mortgage Rates, Fees & Info
Sacramento, CALEI: 5493004AS1SPBQOFDR49
Tax ID: 68-0295876
1 stars - Updated: 11/11/24
-
out of 5 stars, based on 85 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Commerce Home Mortgage is a mid-sized mortgage company specializing in Home Purchase and Cash Out Refi loans. Commerce Home Mortgage 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: Los Angeles, San Francisco, Miami, El Paso, and Riverside among others. We have data for 334 markets. (Some data included below & more in-depth data is available with an active subscription.)Commerce Home Mortgage 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. Commerce Home Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.66% | 11/11/24 |
| 30 Year Conventional Refi | 7.61% | 11/11/24 |
| 30 Year Cash-out Refi | 8.42% | 11/11/24 |
| 30 Year FHA Purchase | 7.41% | 11/11/24 |
| 30 Year FHA Refi | 7.24% | 11/11/24 |
| 30 Year VA Purchase | 6.41% | 11/11/24 |
| 30 Year VA Refi | 6.13% | 11/11/24 |
| 30 Year USDA Purchase | 6.45% | 11/11/24 |
| 30 Year USDA Refi | 6.27% | 11/11/24 |
| 15 Year Conventional Purchase | 6.13% | 11/11/24 |
| 15 Year Conventional Refi | 6.06% | 11/11/24 |
| 15 Year Cash-out Refi | 6.06% | 11/11/24 |
| 15 Year FHA Purchase | 7.52% | 11/11/24 |
| 15 Year FHA Refi | 8.01% | 11/11/24 |
| 15 Year VA Purchase | 6.25% | 11/11/24 |
| 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. | ||
Commerce Home Mortgage Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Commerce Home Mortgage. 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
7,280Origination Dollar Volume (All Markets)
$3,445,240,000Awards
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Commerce Home Mortgage - 2023
Commerce Home Mortgage is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Commerce Home Mortgage's average 30 year fixed mortgage rate was
7.64%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 1.16%.
Relative Fees (Closing Costs)
Commerce Home Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,953.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 606 | $612,830,000 | $1,011,271 | $23,715 | 8.40% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 460 | $318,700,000 | $692,826 | $10,703 | 6.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 393 | $201,685,000 | $513,193 | $13,035 | 8.34% |
| EL PASO, TX (FHA|USDA|VA) | 716 | $174,930,000 | $244,316 | $10,282 | 6.81% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 261 | $124,445,000 | $476,801 | $12,682 | 7.85% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 115 | $91,415,000 | $794,913 | $25,738 | 8.47% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 172 | $81,590,000 | $474,360 | $15,220 | 8.77% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 189 | $78,475,000 | $415,212 | $18,225 | 8.92% |
| VISALIA, CA (FHA|USDA|VA) | 249 | $77,715,000 | $312,108 | $8,442 | 6.37% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 95 | $75,215,000 | $791,737 | $11,638 | 7.30% |
| REDDING, CA (FHA|USDA|VA) | 252 | $68,430,000 | $271,548 | $5,302 | 5.70% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 139 | $65,115,000 | $468,453 | $10,467 | 7.03% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 112 | $57,910,000 | $517,054 | $6,904 | 7.45% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 107 | $54,285,000 | $507,336 | $16,847 | 8.39% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 142 | $54,050,000 | $380,634 | $15,606 | 8.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 112 | $53,720,000 | $479,643 | $11,274 | 7.46% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 124 | $50,110,000 | $404,113 | $13,288 | 8.54% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 127 | $47,905,000 | $377,205 | $14,807 | 8.85% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 104 | $43,660,000 | $419,808 | $10,792 | 8.61% |
| Outside of Metro Areas | 152 | $43,610,000 | $286,908 | $6,475 | 6.26% |
| VALLEJO, CA (FHA|USDA|VA) | 79 | $34,485,000 | $436,519 | $9,964 | 6.33% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 61 | $34,055,000 | $558,279 | $18,726 | 8.84% |
| CHICO, CA (FHA|USDA|VA) | 121 | $30,275,000 | $250,207 | $6,127 | 5.24% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 72 | $29,410,000 | $408,472 | $23,800 | 8.90% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 36 | $28,680,000 | $796,667 | $17,523 | 8.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 107 | $27,035,000 | $252,664 | $6,938 | 7.17% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 80 | $25,480,000 | $318,500 | $17,505 | 8.95% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 37 | $24,555,000 | $663,649 | $18,114 | 8.54% |
| STOCKTON, CA (FHA|USDA|VA) | 77 | $24,025,000 | $312,013 | $6,385 | 5.30% |
| Red Bluff, CA (FHA|USDA|VA) | 97 | $23,525,000 | $242,526 | $4,869 | 5.00% |
| BOULDER, CO (FHA|USDA|VA) | 29 | $22,775,000 | $785,345 | $5,659 | 7.27% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 44 | $20,910,000 | $475,227 | $11,214 | 7.13% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 30 | $20,340,000 | $678,000 | $32,594 | 8.66% |
| FRESNO, CA (FHA|USDA|VA) | 52 | $18,910,000 | $363,654 | $13,098 | 7.53% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 28 | $18,440,000 | $658,571 | $5,313 | 8.22% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 47 | $17,685,000 | $376,277 | $11,438 | 8.56% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 33 | $17,235,000 | $522,273 | $11,058 | 8.27% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 49 | $16,815,000 | $343,163 | $16,362 | 8.78% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 17 | $16,625,000 | $977,941 | $11,179 | 8.34% |
| BEND, OR (FHA|USDA|VA) | 23 | $14,855,000 | $645,870 | $14,908 | 7.92% |
| BOISE CITY, ID (FHA|USDA|VA) | 44 | $14,750,000 | $335,227 | $7,839 | 7.32% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 13 | $14,265,000 | $1,097,308 | $13,724 | 8.62% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 25 | $14,115,000 | $564,600 | $25,299 | 8.77% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 18 | $13,530,000 | $751,667 | $22,034 | 8.95% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 15 | $13,515,000 | $901,000 | $19,483 | 9.07% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 35 | $13,445,000 | $384,143 | $17,299 | 8.70% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 21 | $12,835,000 | $611,190 | $14,030 | 7.73% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 28 | $12,400,000 | $442,857 | $14,775 | 8.17% |
| MODESTO, CA (FHA|USDA|VA) | 38 | $11,900,000 | $313,158 | $7,543 | 6.08% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 37 | $11,725,000 | $316,892 | $10,977 | 8.86% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 23 | $10,675,000 | $464,130 | $14,531 | 7.98% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 38 | $10,250,000 | $269,737 | $12,612 | 8.52% |
| Hilo, HI (FHA|USDA|VA) | 19 | $10,215,000 | $537,632 | $12,958 | 8.68% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 14 | $10,040,000 | $717,143 | $12,743 | 8.25% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 14 | $9,970,000 | $712,143 | $20,861 | 8.87% |
| SALINAS, CA (FHA|USDA|VA) | 9 | $9,725,000 | $1,080,556 | $21,105 | 8.29% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 39 | $9,625,000 | $246,795 | $13,201 | 9.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 32 | $9,390,000 | $293,438 | $11,988 | 7.65% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 12 | $9,310,000 | $775,833 | $6,528 | 8.08% |
| Astoria, OR (FHA|USDA|VA) | 16 | $8,170,000 | $510,625 | $9,111 | 7.48% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 17 | $7,925,000 | $466,176 | $15,151 | 8.30% |
| Key West, FL (FHA|USDA|VA) | 8 | $7,920,000 | $990,000 | $16,724 | 8.57% |
| LAS CRUCES, NM (FHA|USDA|VA) | 29 | $7,585,000 | $261,552 | $9,822 | 6.95% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 17 | $7,535,000 | $443,235 | $0 | 8.61% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 17 | $7,425,000 | $436,765 | $11,654 | 8.46% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 9 | $6,645,000 | $738,333 | $21,886 | 7.65% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 24 | $6,610,000 | $275,417 | $13,313 | 8.67% |
| OCALA, FL (FHA|USDA|VA) | 26 | $6,560,000 | $252,308 | $8,855 | 8.73% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 20 | $6,380,000 | $319,000 | $15,219 | 8.72% |
| NAPA, CA (FHA|USDA|VA) | 12 | $6,200,000 | $516,667 | $4,691 | 6.51% |
| SANTA FE, NM (FHA|USDA|VA) | 16 | $5,960,000 | $372,500 | $13,264 | 7.33% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 8 | $5,950,000 | $743,750 | $11,531 | 8.66% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 15 | $5,535,000 | $369,000 | $0 | 8.82% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 20 | $5,490,000 | $274,500 | $9,134 | 8.67% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 15 | $5,375,000 | $358,333 | $8,454 | 7.68% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 23 | $5,325,000 | $231,522 | $8,345 | 6.31% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $4,960,000 | $2,480,000 | $44,393 | 8.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 17 | $4,655,000 | $273,824 | $12,031 | 8.69% |
| Outside of Metro Areas | 6 | $4,560,000 | $760,000 | $49,666 | 7.92% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 11 | $4,545,000 | $413,182 | $7,843 | 8.72% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 15 | $4,335,000 | $289,000 | $8,762 | 8.69% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $4,255,000 | $607,857 | $10,690 | 9.03% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 14 | $4,240,000 | $302,857 | $13,988 | 8.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 15 | $4,225,000 | $281,667 | $7,934 | 6.19% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $4,050,000 | $2,025,000 | $27,143 | 9.00% |
| TUCSON, AZ (FHA|USDA|VA) | 13 | $3,985,000 | $306,538 | $11,528 | 8.72% |
| KNOXVILLE, TN (FHA|USDA|VA) | 8 | $3,950,000 | $493,750 | $47,439 | 8.67% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 12 | $3,940,000 | $328,333 | $27,680 | 8.94% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 7 | $3,915,000 | $559,286 | $34,457 | 8.71% |
| GREELEY, CO (FHA|USDA|VA) | 9 | $3,885,000 | $431,667 | $4,117 | 7.11% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $3,785,000 | $540,714 | $8,601 | 9.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 9 | $3,755,000 | $417,222 | $10,942 | 8.60% |
| WILMINGTON, NC (FHA|USDA|VA) | 12 | $3,630,000 | $302,500 | $16,327 | 8.48% |
| PROVO-OREM, UT (FHA|USDA|VA) | 5 | $3,535,000 | $707,000 | $18,560 | 9.42% |
| SALEM, OR (FHA|USDA|VA) | 10 | $3,530,000 | $353,000 | $11,335 | 7.61% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $3,510,000 | $585,000 | $13,621 | 8.90% |
| RENO, NV (FHA|USDA|VA) | 3 | $3,495,000 | $1,165,000 | $36,758 | 8.08% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 10 | $3,410,000 | $341,000 | $16,735 | 8.60% |
| COLUMBUS, OH (FHA|USDA|VA) | 11 | $3,025,000 | $275,000 | $11,579 | 8.69% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $2,775,000 | $555,000 | $17,609 | 6.95% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $2,765,000 | $395,000 | $12,676 | 8.69% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 9 | $2,715,000 | $301,667 | $7,290 | 9.10% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 7 | $2,715,000 | $387,857 | $0 | 8.99% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 6 | $2,600,000 | $433,333 | $14,060 | 8.19% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $2,585,000 | $861,667 | $31,384 | 7.54% |
| Edwards, CO (FHA|USDA|VA) | 3 | $2,585,000 | $861,667 | $0 | 8.50% |
| Heber, UT (FHA|USDA|VA) | 3 | $2,535,000 | $845,000 | $12,047 | 9.17% |
| Sandpoint, ID (FHA|USDA|VA) | 3 | $2,525,000 | $841,667 | $18,042 | 8.67% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 8 | $2,410,000 | $301,250 | $6,732 | 5.31% |
| Newport, OR (FHA|USDA|VA) | 3 | $2,395,000 | $798,333 | $0 | 9.71% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 8 | $2,360,000 | $295,000 | $0 | 8.91% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $2,285,000 | $2,285,000 | $34,103 | 8.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 7 | $2,105,000 | $300,714 | $16,142 | 9.15% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 6 | $2,100,000 | $350,000 | $11,284 | 7.71% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 8 | $2,100,000 | $262,500 | $12,879 | 8.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 7 | $2,085,000 | $297,857 | $11,864 | 8.46% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $2,070,000 | $517,500 | $22,696 | 8.28% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $1,965,000 | $393,000 | $0 | 8.70% |
| COLUMBIA, SC (FHA|USDA|VA) | 8 | $1,900,000 | $237,500 | $0 | 9.06% |
| MIDLAND, TX (FHA|USDA|VA) | 5 | $1,875,000 | $375,000 | $0 | 7.80% |
| MERCED, CA (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $4,351 | 8.28% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 8 | $1,830,000 | $228,750 | $0 | 9.14% |
| Sonora, CA (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $14,255 | 7.44% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $0 | 9.05% |
| ODESSA, TX (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $0 | 7.66% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $14,135 | 9.15% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $8,595 | 8.35% |
| LUBBOCK, TX (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $12,428 | 8.68% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $7,999 | 8.39% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $1,585,000 | $528,333 | $0 | 8.25% |
| MADERA, CA (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $14,465 | 7.25% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $1,565,000 | $521,667 | $15,190 | 8.54% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $17,520 | 8.48% |
| WENATCHEE, WA (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $10,855 | 8.19% |
| ANN ARBOR, MI (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $16,299 | 9.09% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $1,530,000 | $765,000 | $24,354 | 7.94% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $0 | 7.68% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $250 | 5.40% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $26,294 | 8.13% |
| Coos Bay, OR (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $5,708 | 7.86% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $0 | 8.97% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $0 | 8.90% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $0 | 8.37% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $0 | 8.75% |
| Show Low, AZ (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $12,671 | 8.71% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $0 | 8.00% |
| EL CENTRO, CA (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $15,565 | 9.47% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $0 | 9.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $0 | 8.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $0 | 9.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $0 | 9.25% |
| YAKIMA, WA (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $13,603 | 7.97% |
| RAPID CITY, SD (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $0 | 8.67% |
| Payson, AZ (FHA|USDA|VA) | 1 | $1,135,000 | $1,135,000 | $0 | 8.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $8,379 | 7.79% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $3,992 | 8.44% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $0 | 8.92% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $11,447 | 7.73% |
| GRANTS PASS, OR (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $0 | 8.20% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $10,589 | 7.93% |
| WALLA WALLA, WA (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $7,655 | 7.44% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $0 | 9.13% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $10,967 | 7.38% |
| Ukiah, CA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $0 | 5.47% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $0 | 9.11% |
| Susanville, CA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $250 | 5.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $0 | 7.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $9,692 | 9.21% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $0 | 8.01% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $16,392 | 9.31% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $5,722 | 8.77% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $0 | 8.38% |
| Clewiston, FL (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $0 | 8.31% |
| FLORENCE, SC (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $0 | 9.72% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $0 | 9.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $0 | 7.99% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $0 | 8.81% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $9,180 | 8.70% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $0 | 9.08% |
| Keene, NH (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $23,633 | 8.13% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 8.19% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 8.80% |
| TULSA, OK (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $0 | 8.88% |
| Española, NM (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,745 | 6.75% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $0 | 9.62% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $0 | 9.38% |
| WICHITA, KS (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $0 | 8.89% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $0 | 9.19% |
| Las Vegas, NM (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $0 | 8.58% |
| Seneca, SC (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 8.63% |
| Holland, MI (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 9.06% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $0 | 9.03% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $16,704 | 9.13% |
| Mineral Wells, TX (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $0 | 8.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,410 | 8.44% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 9.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 7.75% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $14,389 | 8.19% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $22,267 | 8.00% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,335 | 6.25% |
| Brevard, NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 9.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $8,892 | 8.21% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $14,892 | 9.00% |
| FLINT, MI (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $0 | 9.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 9.00% |
| Pullman, WA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 7.63% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,083 | 8.54% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,265 | 8.44% |
| Concord, NH (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 6.88% |
| Huntington, IN (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $10,482 | 7.88% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 9.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 9.09% |
| WACO, TX (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $0 | 8.20% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $10,296 | 8.47% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 9.73% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 9.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 6.88% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 8.88% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 8.25% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $0 | 8.58% |
| Palatka, FL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $0 | 7.96% |
| Safford, AZ (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 8.83% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 9.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $4,158 | 9.53% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 5.50% |
| Rockport, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 8.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 9.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $12,618 | 7.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $9,820 | 9.13% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,575 | 9.06% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $15,330 | 7.88% |
| Somerset, KY (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 9.56% |
| Andrews, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,250 | 7.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 8.69% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,502 | 9.06% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 8.56% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 6.56% |
| Newberry, SC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $15,577 | 7.38% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 7.99% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 9.13% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 7.63% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 9.70% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 6.13% |
| Deming, NM (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,244 | 5.71% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 5.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 8.63% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,238 | 8.13% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 6.63% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,174 | 8.63% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,890 | 7.00% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $20,676 | 7.13% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $250 | 3.31% |
| Gallup, NM (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,576 | 7.06% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 9.69% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 7.00% |
| Hood River, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 8.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 8.19% |
| Taos, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 8.50% |
| Crossville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 8.88% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 9.50% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 8.73% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 8.75% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.63% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 9.38% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 9.19% |
| Granbury, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.38% |
| Gillette, WY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 9.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 9.70% |
| Brookings, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 8.88% |
| DOVER, DE (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.63% |
| Shelton, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,679 | 7.88% |
| Hobbs, NM (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 6.56% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.75% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.63% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,049 | 8.63% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,220 | 8.63% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,225 | 6.88% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 10.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,436 | 6.88% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.88% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,612 | 8.25% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 9.13% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.75% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,768 | 6.81% |
| Kearney, NE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,056 | 7.88% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,879 | 5.50% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,468 | 9.13% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 10.00% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.63% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.63% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 10.38% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 10.25% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.38% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.50% |
| Athens, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 10.25% |
| Washington, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.75% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.25% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 10.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,359 | 7.13% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.38% |
| CASPER, WY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.38% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.63% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.75% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.13% |
| AKRON, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.88% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 11.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.50% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.88% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.75% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.73% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.63% |
| London, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.88% |
| Meadville, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,468 | 8.88% |
| Paris, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 10.00% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.63% |
| Sweetwater, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,994 | 8.75% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.75% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.50% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.25% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,229 | 7.13% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.38% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.25% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| Malvern, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.95% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.00% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against Commerce Home Mortgage based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
NEWPORT NEWS SHIPBUILDING EMPLOYEES
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GUADALUPE CREDIT UNION
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Product Mix
For 2023, Commerce Home Mortgage's most frequently originated type of loan was Conventional, with 6,057 originations. Their 2nd most popular type was FHA, with 985 originations.
Loan Reason
For 2023, Commerce Home Mortgage's most frequently cited loan purpose was Home Purchase, with 5,669 originations. The 2nd most popular reason was Cash Out Refi, with 1,287 originations.
Loan Duration/Length
For 2023, Commerce Home Mortgage's most frequently cited loan duration was 30 Year, with 7,086 originations. The 2nd most popular length was 3 Year, with 86 originations.
Origination Fees/Closing Costs
Commerce Home Mortgage's average total fees were $11,953, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 4,616 originations.
Interest Rates
During 2023, Commerce Home Mortgage's average interest rate for loans was 7.64%, while their most frequently originated rate bucket for loans was Over 8%, with 3,460 originations.
Loan Sizing
2023 saw Commerce Home Mortgage place emphasis on $200k-400k loans with 2,998 originations, totaling $869,390,000 in origination value.
Applicant Income
Commerce Home Mortgage lent most frequently to those with incomes in the $100k-150k range, with 936 originations. The second most popular income band? $250k+, with 703 originations.
Applicant Debt to Income Ratio
Commerce Home Mortgage lent most frequently to those with DTI ratios of 30-36%, with 458 originations. The next most common DTI ratio? 50-60%, with 424 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.52%
Commerce Home Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination38.94%
Commerce Home Mortgage 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 | 7,280 | $3,445,240,000 | $473,247 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,280 | $3,445,240,000 | $473,247 |