Ally Bank Mortgage Rates, Fees & Info

Sandy, UT

LEI: 549300C04BJ0G297NC13

Tax ID: 20-1001796

5 stars - Updated: 5/14/24 - out of 5 stars, based on 52 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Ally Bank is a small bank specializing in Home Purchase loans. Ally Bank has a high proportion of conventional loans. Their top markets by origination volume include: Ann Arbor, New York, Fresno, Chicago, and Dallas among others. We have data for 446 markets. (Some data included below & more in-depth data is available with an active subscription.)

Ally Bank 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. Ally Bank is typically an average 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 6.29% 5/14/24
30 Year Conventional Refi 6.13% 5/14/24
30 Year Cash-out Refi 6.41% 5/14/24
15 Year Conventional Purchase 5.83% 5/14/24
15 Year Conventional Refi 5.79% 5/14/24
15 Year Cash-out Refi 5.79% 5/14/24
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.

Ally Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Ally Bank. 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

2,703

Origination Dollar Volume (All Markets)

$1,101,585,000
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Relative Rate

Ally Bank's average 30 year fixed mortgage rate was 6.45%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.03%.

Relative Fees (Closing Costs)

Ally Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,330.

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
ANN ARBOR, MI (FHA|USDA|VA) 6 $110,770,000 $18,461,667 $11,192 5.37%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 108 $48,300,000 $447,222 $9,598 6.35%
FRESNO, CA (FHA|USDA|VA) 5 $36,265,000 $7,253,000 $5,622 5.95%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 90 $31,610,000 $351,222 $7,746 6.48%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 75 $29,685,000 $395,800 $7,273 6.46%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 79 $29,205,000 $369,684 $8,208 6.31%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 67 $28,665,000 $427,836 $6,343 6.49%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 70 $27,690,000 $395,571 $7,649 6.46%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 68 $26,700,000 $392,647 $8,225 6.29%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 45 $25,605,000 $569,000 $9,721 6.19%
Outside of Metro Areas 117 $23,765,000 $203,120 $5,128 6.75%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 37 $21,055,000 $569,054 $5,617 6.39%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 30 $20,390,000 $679,667 $14,591 6.16%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 25 $20,115,000 $804,600 $14,073 6.46%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 40 $18,870,000 $471,750 $10,324 6.10%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 31 $17,135,000 $552,742 $8,890 6.04%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 38 $16,940,000 $445,789 $8,979 6.33%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 36 $16,640,000 $462,222 $8,540 6.33%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 40 $16,230,000 $405,750 $7,892 6.26%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 26 $14,770,000 $568,077 $12,019 6.42%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 20 $13,360,000 $668,000 $9,578 6.66%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 34 $13,140,000 $386,471 $8,349 6.29%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 36 $13,100,000 $363,889 $5,880 6.48%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 53 $12,835,000 $242,170 $4,579 6.43%
RALEIGH-CARY, NC (FHA|USDA|VA) 31 $12,635,000 $407,581 $5,703 6.44%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 28 $12,290,000 $438,929 $9,582 6.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 16 $12,000,000 $750,000 $12,840 6.33%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 29 $11,575,000 $399,138 $8,192 6.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 39 $10,935,000 $280,385 $5,276 6.57%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 34 $10,570,000 $310,882 $6,393 6.58%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 19 $9,755,000 $513,421 $10,321 6.24%
PITTSBURGH, PA (FHA|USDA|VA) 32 $8,960,000 $280,000 $7,775 6.34%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 22 $7,760,000 $352,727 $6,464 6.28%
KANSAS CITY, MO-KS (FHA|USDA|VA) 27 $7,355,000 $272,407 $4,650 6.33%
JACKSONVILLE, FL (FHA|USDA|VA) 15 $7,275,000 $485,000 $8,602 6.14%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 30 $6,680,000 $222,667 $5,239 6.46%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 12 $5,750,000 $479,167 $5,702 6.47%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 21 $5,345,000 $254,524 $5,118 6.63%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 16 $5,250,000 $328,125 $8,070 6.18%
COLUMBUS, OH (FHA|USDA|VA) 21 $5,215,000 $248,333 $5,216 6.24%
ASHEVILLE, NC (FHA|USDA|VA) 11 $4,625,000 $420,455 $7,249 6.56%
SALT LAKE CITY, UT (FHA|USDA|VA) 11 $4,575,000 $415,909 $8,210 5.81%
TULSA, OK (FHA|USDA|VA) 11 $4,505,000 $409,545 $7,529 6.45%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 16 $4,420,000 $276,250 $5,986 6.32%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 16 $4,400,000 $275,000 $6,793 6.42%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 14 $4,390,000 $313,571 $5,797 6.46%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $4,265,000 $609,286 $5,631 6.46%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 9 $4,125,000 $458,333 $9,561 6.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 18 $4,120,000 $228,889 $3,770 6.67%
RICHMOND, VA (FHA|USDA|VA) 9 $4,035,000 $448,333 $11,106 6.22%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 12 $4,030,000 $335,833 $8,216 6.72%
WINSTON-SALEM, NC (FHA|USDA|VA) 11 $3,965,000 $360,455 $8,719 5.98%
MADISON, WI (FHA|USDA|VA) 10 $3,880,000 $388,000 $6,518 6.19%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $3,740,000 $623,333 $13,968 6.21%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 10 $3,440,000 $344,000 $7,933 6.45%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 10 $3,430,000 $343,000 $8,994 6.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 10 $3,240,000 $324,000 $6,111 6.18%
OKLAHOMA CITY, OK (FHA|USDA|VA) 11 $3,225,000 $293,182 $3,804 6.80%
PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $3,220,000 $402,500 $6,751 6.23%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 14 $3,190,000 $227,857 $5,433 6.79%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $3,130,000 $391,250 $5,742 6.41%
ALBUQUERQUE, NM (FHA|USDA|VA) 10 $3,060,000 $306,000 $7,223 6.33%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 11 $3,055,000 $277,727 $5,755 6.47%
OCALA, FL (FHA|USDA|VA) 10 $2,950,000 $295,000 $3,952 6.81%
WORCESTER, MA-CT (FHA|USDA|VA) 7 $2,925,000 $417,857 $8,634 6.80%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 10 $2,890,000 $289,000 $6,689 6.46%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $2,800,000 $466,667 $7,559 6.35%
GAINESVILLE, FL (FHA|USDA|VA) 10 $2,770,000 $277,000 $5,486 6.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 8 $2,630,000 $328,750 $7,827 6.13%
Steamboat Springs, CO (FHA|USDA|VA) 3 $2,605,000 $868,333 $16,029 5.71%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 10 $2,560,000 $256,000 $8,163 6.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $2,540,000 $423,333 $9,802 6.27%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 9 $2,485,000 $276,111 $7,438 6.50%
AKRON, OH (FHA|USDA|VA) 12 $2,460,000 $205,000 $6,777 6.53%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $2,315,000 $330,714 $9,500 6.39%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 4 $2,310,000 $577,500 $6,464 6.72%
LOUISVILLE, KY (FHA|USDA|VA) 9 $2,295,000 $255,000 $5,437 6.54%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 7 $2,285,000 $326,429 $8,599 6.11%
BOULDER, CO (FHA|USDA|VA) 3 $2,235,000 $745,000 $7,851 6.58%
STOCKTON, CA (FHA|USDA|VA) 6 $2,230,000 $371,667 $8,506 6.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,200,000 $220,000 $6,837 5.88%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,170,000 $542,500 $5,080 6.97%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 9 $2,165,000 $240,556 $4,952 6.32%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 7 $2,145,000 $306,429 $7,602 6.21%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $2,065,000 $413,000 $8,256 6.20%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $2,065,000 $413,000 $12,869 5.95%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $2,045,000 $227,222 $5,146 6.03%
SPRINGFIELD, MA (FHA|USDA|VA) 6 $2,010,000 $335,000 $7,226 6.13%
COLUMBIA, SC (FHA|USDA|VA) 7 $1,955,000 $279,286 $7,095 6.79%
BEND, OR (FHA|USDA|VA) 3 $1,775,000 $591,667 $10,272 6.38%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 10 $1,770,000 $177,000 $3,887 6.51%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 6 $1,730,000 $288,333 $8,326 6.58%
ROANOKE, VA (FHA|USDA|VA) 6 $1,710,000 $285,000 $4,045 6.54%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,710,000 $855,000 $3,720 7.50%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 7 $1,695,000 $242,143 $4,146 6.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 8 $1,660,000 $207,500 $5,931 6.41%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $1,645,000 $235,000 $3,559 6.11%
ST. GEORGE, UT (FHA|USDA|VA) 2 $1,630,000 $815,000 $35,175 5.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,625,000 $325,000 $10,234 6.38%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,610,000 $402,500 $8,430 6.38%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 7 $1,575,000 $225,000 $4,844 6.77%
BOISE CITY, ID (FHA|USDA|VA) 3 $1,575,000 $525,000 $16,051 6.13%
KNOXVILLE, TN (FHA|USDA|VA) 6 $1,530,000 $255,000 $8,694 6.17%
LANCASTER, PA (FHA|USDA|VA) 4 $1,520,000 $380,000 $7,856 7.19%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,500,000 $375,000 $4,604 6.56%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,455,000 $291,000 $8,957 5.80%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,450,000 $241,667 $9,503 6.10%
TOLEDO, OH (FHA|USDA|VA) 7 $1,385,000 $197,857 $7,850 6.23%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,370,000 $228,333 $4,517 6.46%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $1,350,000 $337,500 $6,854 6.41%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $1,335,000 $1,335,000 $2,674 6.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,320,000 $330,000 $5,984 6.63%
MOBILE, AL (FHA|USDA|VA) 7 $1,315,000 $187,857 $5,579 6.07%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,310,000 $327,500 $6,109 6.56%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $1,255,000 $251,000 $7,989 6.10%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,255,000 $251,000 $6,487 6.63%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 5 $1,235,000 $247,000 $6,825 6.40%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $1,195,000 $398,333 $9,843 6.17%
CHICO, CA (FHA|USDA|VA) 2 $1,190,000 $595,000 $4,731 6.19%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,489 6.16%
WICHITA, KS (FHA|USDA|VA) 6 $1,170,000 $195,000 $3,746 6.46%
PEORIA, IL (FHA|USDA|VA) 6 $1,170,000 $195,000 $8,294 6.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $1,165,000 $388,333 $5,750 6.67%
CASPER, WY (FHA|USDA|VA) 3 $1,155,000 $385,000 $7,664 5.96%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $1,120,000 $186,667 $5,580 6.29%
RENO, NV (FHA|USDA|VA) 2 $1,090,000 $545,000 $24,957 6.19%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,090,000 $181,667 $3,935 6.33%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $1,065,000 $213,000 $6,198 6.20%
LYNCHBURG, VA (FHA|USDA|VA) 4 $1,060,000 $265,000 $4,396 6.44%
STAUNTON, VA (FHA|USDA|VA) 4 $1,060,000 $265,000 $7,843 6.91%
GREELEY, CO (FHA|USDA|VA) 2 $1,060,000 $530,000 $5,087 6.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $33,263 5.75%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $1,035,000 $345,000 $8,772 6.21%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $1,030,000 $257,500 $13,874 6.47%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $985,000 $197,000 $6,006 6.43%
SPARTANBURG, SC (FHA|USDA|VA) 4 $980,000 $245,000 $2,957 6.91%
EL PASO, TX (FHA|USDA|VA) 4 $980,000 $245,000 $9,239 5.97%
SYRACUSE, NY (FHA|USDA|VA) 6 $950,000 $158,333 $5,767 6.48%
MISSOULA, MT (FHA|USDA|VA) 1 $945,000 $945,000 $4,401 6.75%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $940,000 $470,000 $17,241 4.81%
CHARLESTON, WV (FHA|USDA|VA) 5 $935,000 $187,000 $5,658 6.34%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $930,000 $465,000 $14,979 6.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $925,000 $925,000 $2,551 6.75%
ANCHORAGE, AK (FHA|USDA|VA) 3 $925,000 $308,333 $9,125 5.79%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $920,000 $230,000 $7,078 6.19%
BILLINGS, MT (FHA|USDA|VA) 2 $920,000 $460,000 $4,368 5.88%
SPRINGFIELD, MO (FHA|USDA|VA) 5 $915,000 $183,000 $5,006 6.35%
Lebanon, NH-VT (FHA|USDA|VA) 3 $875,000 $291,667 $9,313 6.00%
ROCHESTER, MN (FHA|USDA|VA) 2 $870,000 $435,000 $1,953 7.06%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $865,000 $288,333 $8,160 6.38%
BANGOR, ME (FHA|USDA|VA) 3 $845,000 $281,667 $8,208 7.08%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $840,000 $420,000 $5,028 6.81%
LONGVIEW, WA (FHA|USDA|VA) 2 $830,000 $415,000 $2,983 6.69%
LAFAYETTE, LA (FHA|USDA|VA) 3 $825,000 $275,000 $3,979 6.29%
WHEELING, WV-OH (FHA|USDA|VA) 4 $820,000 $205,000 $8,170 6.56%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $820,000 $410,000 $8,946 6.13%
MODESTO, CA (FHA|USDA|VA) 2 $820,000 $410,000 $3,185 7.50%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $815,000 $271,667 $7,401 6.21%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $810,000 $202,500 $5,105 6.22%
TYLER, TX (FHA|USDA|VA) 3 $795,000 $265,000 $9,318 5.58%
KINGSTON, NY (FHA|USDA|VA) 3 $775,000 $258,333 $7,260 6.25%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 3 $775,000 $258,333 $8,976 6.75%
DULUTH, MN-WI (FHA|USDA|VA) 3 $775,000 $258,333 $7,054 7.08%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $770,000 $192,500 $8,437 6.22%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $765,000 $255,000 $7,101 6.17%
PROVO-OREM, UT (FHA|USDA|VA) 2 $750,000 $375,000 $4,800 5.94%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $740,000 $370,000 $9,671 5.81%
FORT SMITH, AR-OK (FHA|USDA|VA) 3 $735,000 $245,000 $6,056 7.00%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $735,000 $245,000 $8,705 6.71%
THE VILLAGES, FL (FHA|USDA|VA) 2 $730,000 $365,000 $2,648 6.81%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $720,000 $360,000 $12,877 5.56%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $705,000 $235,000 $7,182 7.21%
FOND DU LAC, WI (FHA|USDA|VA) 3 $705,000 $235,000 $6,001 5.71%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $705,000 $235,000 $9,537 5.21%
Keene, NH (FHA|USDA|VA) 1 $685,000 $685,000 $19,863 6.25%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $680,000 $340,000 $14,861 5.19%
MADERA, CA (FHA|USDA|VA) 2 $670,000 $335,000 $3,175 6.75%
SALINAS, CA (FHA|USDA|VA) 2 $670,000 $335,000 $11,675 5.88%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $660,000 $330,000 $10,198 5.69%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $655,000 $218,333 $7,088 5.67%
NAPA, CA (FHA|USDA|VA) 1 $655,000 $655,000 $2,762 6.75%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $650,000 $325,000 $5,645 7.13%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $640,000 $320,000 $10,226 6.00%
MIDLAND, TX (FHA|USDA|VA) 2 $640,000 $320,000 $12,806 5.63%
PANAMA CITY, FL (FHA|USDA|VA) 3 $635,000 $211,667 $4,679 6.71%
MUSKEGON, MI (FHA|USDA|VA) 2 $630,000 $315,000 $5,194 6.44%
JACKSON, MS (FHA|USDA|VA) 3 $625,000 $208,333 $5,577 6.29%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $620,000 $310,000 $10,920 6.94%
DOVER, DE (FHA|USDA|VA) 2 $610,000 $305,000 $9,594 5.94%
Kalispell, MT (FHA|USDA|VA) 1 $605,000 $605,000 $29,706 5.25%
VALLEJO, CA (FHA|USDA|VA) 1 $605,000 $605,000 $13,443 5.75%
READING, PA (FHA|USDA|VA) 2 $600,000 $300,000 $10,346 5.94%
COLUMBIA, MO (FHA|USDA|VA) 2 $600,000 $300,000 $1,520 7.38%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $595,000 $198,333 $2,864 6.88%
ROCHESTER, NY (FHA|USDA|VA) 4 $590,000 $147,500 $6,824 6.00%
SALEM, OR (FHA|USDA|VA) 1 $585,000 $585,000 $28,168 5.88%
Ada, OK (FHA|USDA|VA) 3 $575,000 $191,667 $4,152 6.67%
TUCSON, AZ (FHA|USDA|VA) 2 $570,000 $285,000 $3,869 6.63%
Los Alamos, NM (FHA|USDA|VA) 2 $570,000 $285,000 $13,124 5.38%
BATTLE CREEK, MI (FHA|USDA|VA) 3 $555,000 $185,000 $4,543 6.13%
MEDFORD, OR (FHA|USDA|VA) 2 $550,000 $275,000 $10,755 5.31%
RACINE, WI (FHA|USDA|VA) 3 $545,000 $181,667 $2,654 6.25%
ST. CLOUD, MN (FHA|USDA|VA) 2 $540,000 $270,000 $12,902 5.88%
Findlay, OH (FHA|USDA|VA) 2 $530,000 $265,000 $5,643 6.88%
Torrington, CT (FHA|USDA|VA) 1 $525,000 $525,000 $25,713 5.75%
MONTGOMERY, AL (FHA|USDA|VA) 2 $520,000 $260,000 $5,955 6.13%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $520,000 $260,000 $9,541 6.81%
SANTA FE, NM (FHA|USDA|VA) 2 $520,000 $260,000 $5,656 6.44%
DECATUR, AL (FHA|USDA|VA) 2 $520,000 $260,000 $9,718 6.63%
Vicksburg, MS (FHA|USDA|VA) 2 $520,000 $260,000 $6,100 6.88%
SAVANNAH, GA (FHA|USDA|VA) 1 $515,000 $515,000 $7,181 6.38%
DOTHAN, AL (FHA|USDA|VA) 3 $505,000 $168,333 $3,982 6.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $505,000 $505,000 $5,294 7.13%
Shelby, NC (FHA|USDA|VA) 3 $505,000 $168,333 $6,503 6.71%
Concord, NH (FHA|USDA|VA) 1 $505,000 $505,000 $3,116 6.38%
Shelton, WA (FHA|USDA|VA) 1 $505,000 $505,000 $20,136 5.88%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $505,000 $505,000 $24,448 6.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $500,000 $250,000 $10,935 6.13%
APPLETON, WI (FHA|USDA|VA) 2 $490,000 $245,000 $5,858 6.06%
Quincy, IL-MO (FHA|USDA|VA) 2 $490,000 $245,000 $3,377 7.50%
JOPLIN, MO (FHA|USDA|VA) 3 $485,000 $161,667 $4,997 6.42%
Cedar City, UT (FHA|USDA|VA) 1 $485,000 $485,000 $3,129 5.88%
Pahrump, NV (FHA|USDA|VA) 1 $485,000 $485,000 $21,337 5.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $480,000 $240,000 $5,901 6.69%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $475,000 $475,000 $10,689 6.00%
BELLINGHAM, WA (FHA|USDA|VA) 1 $475,000 $475,000 $2,483 6.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $470,000 $235,000 $10,822 5.81%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $470,000 $235,000 $1,576 6.13%
ROME, GA (FHA|USDA|VA) 3 $465,000 $155,000 $4,703 6.79%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $460,000 $230,000 $3,191 6.06%
Spearfish, SD (FHA|USDA|VA) 1 $455,000 $455,000 $20,729 5.50%
NILES, MI (FHA|USDA|VA) 2 $450,000 $225,000 $8,799 5.56%
BRUNSWICK, GA (FHA|USDA|VA) 2 $450,000 $225,000 $6,147 6.56%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $445,000 $445,000 $20,856 5.75%
New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $440,000 $220,000 $9,211 6.25%
Corsicana, TX (FHA|USDA|VA) 1 $435,000 $435,000 $7,706 6.38%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $435,000 $435,000 $1,664 6.75%
ELMIRA, NY (FHA|USDA|VA) 3 $435,000 $145,000 $6,684 5.96%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $430,000 $215,000 $6,353 6.00%
BINGHAMTON, NY (FHA|USDA|VA) 2 $430,000 $215,000 $7,728 6.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $425,000 $141,667 $5,544 6.38%
MONROE, MI (FHA|USDA|VA) 1 $425,000 $425,000 $2,698 7.25%
Easton, MD (FHA|USDA|VA) 1 $415,000 $415,000 $5,887 7.00%
Richmond-Berea, KY (FHA|USDA|VA) 2 $410,000 $205,000 $4,111 6.88%
Ruidoso, NM (FHA|USDA|VA) 1 $405,000 $405,000 $6,039 6.00%
Oxford, MS (FHA|USDA|VA) 1 $405,000 $405,000 $4,226 5.50%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $405,000 $405,000 $3,331 7.63%
Morehead City, NC (FHA|USDA|VA) 1 $405,000 $405,000 $10,191 6.88%
Somerset, KY (FHA|USDA|VA) 2 $400,000 $200,000 $8,589 5.88%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $395,000 $395,000 $6,463 7.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $395,000 $395,000 $18,978 5.13%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $395,000 $395,000 $3,922 7.63%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $390,000 $195,000 $2,917 7.13%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $390,000 $195,000 $7,538 6.19%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $390,000 $195,000 $5,609 6.38%
Breckenridge, CO (FHA|USDA|VA) 1 $385,000 $385,000 $15,247 5.50%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $385,000 $385,000 $19,813 5.50%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $385,000 $385,000 $1,492 6.38%
VISALIA, CA (FHA|USDA|VA) 1 $385,000 $385,000 $4,714 6.38%
Danville, VA (FHA|USDA|VA) 2 $380,000 $190,000 $2,419 7.19%
TWIN FALLS, ID (FHA|USDA|VA) 2 $380,000 $190,000 $7,476 6.50%
Bonham, TX (FHA|USDA|VA) 1 $375,000 $375,000 $3,699 6.00%
WENATCHEE, WA (FHA|USDA|VA) 1 $375,000 $375,000 $18,144 5.88%
HATTIESBURG, MS (FHA|USDA|VA) 1 $375,000 $375,000 $4,220 6.25%
Española, NM (FHA|USDA|VA) 1 $375,000 $375,000 $1,176 6.50%
Mount Pleasant, TX (FHA|USDA|VA) 1 $375,000 $375,000 $4,091 6.50%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $370,000 $185,000 $5,621 5.88%
FORT WAYNE, IN (FHA|USDA|VA) 2 $370,000 $185,000 $4,787 5.94%
Kearney, NE (FHA|USDA|VA) 1 $365,000 $365,000 $17,060 6.25%
EL CENTRO, CA (FHA|USDA|VA) 1 $365,000 $365,000 $10,421 6.00%
GREAT FALLS, MT (FHA|USDA|VA) 1 $365,000 $365,000 $7,312 6.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $365,000 $365,000 $8,709 6.50%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $365,000 $121,667 $4,648 6.33%
GREEN BAY, WI (FHA|USDA|VA) 2 $360,000 $180,000 $8,036 6.00%
Granbury, TX (FHA|USDA|VA) 1 $355,000 $355,000 $15,828 5.63%
Jefferson, GA (FHA|USDA|VA) 1 $355,000 $355,000 $6,453 6.13%
Helena, MT (FHA|USDA|VA) 1 $355,000 $355,000 $2,585 5.88%
MUNCIE, IN (FHA|USDA|VA) 2 $350,000 $175,000 $3,118 6.13%
ROCKFORD, IL (FHA|USDA|VA) 2 $350,000 $175,000 $8,522 5.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $345,000 $345,000 $2,710 5.88%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $345,000 $345,000 $18,101 5.00%
MERCED, CA (FHA|USDA|VA) 1 $345,000 $345,000 $2,712 6.13%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $345,000 $345,000 $5,011 7.50%
LAS CRUCES, NM (FHA|USDA|VA) 1 $335,000 $335,000 $3,128 6.38%
Holland, MI (FHA|USDA|VA) 1 $335,000 $335,000 $2,977 6.75%
AMARILLO, TX (FHA|USDA|VA) 2 $330,000 $165,000 $6,644 5.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $325,000 $325,000 $5,511 7.25%
Bradford, PA (FHA|USDA|VA) 3 $325,000 $108,333 $4,289 6.42%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $325,000 $325,000 $6,983 6.63%
UTICA-ROME, NY (FHA|USDA|VA) 1 $325,000 $325,000 $8,505 6.88%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $325,000 $325,000 $14,445 5.63%
WALLA WALLA, WA (FHA|USDA|VA) 1 $325,000 $325,000 $1,990 7.25%
FLORENCE, SC (FHA|USDA|VA) 1 $325,000 $325,000 $15,295 5.25%
Willmar, MN (FHA|USDA|VA) 1 $325,000 $325,000 $12,728 5.88%
Wooster, OH (FHA|USDA|VA) 2 $320,000 $160,000 $4,498 5.81%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $320,000 $160,000 $1,804 7.06%
Sandusky, OH (FHA|USDA|VA) 2 $310,000 $155,000 $4,932 5.94%
Lewistown, PA (FHA|USDA|VA) 1 $305,000 $305,000 $9,687 6.38%
Lewisburg, PA (FHA|USDA|VA) 1 $305,000 $305,000 $4,015 6.75%
FARGO, ND-MN (FHA|USDA|VA) 1 $305,000 $305,000 $2,710 6.88%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $305,000 $305,000 $3,096 6.63%
Ardmore, OK (FHA|USDA|VA) 1 $305,000 $305,000 $14,918 4.75%
Outside of Metro Areas 1 $305,000 $305,000 $4,870 8.13%
BISMARCK, ND (FHA|USDA|VA) 1 $305,000 $305,000 $13,654 5.63%
Ontario, OR-ID (FHA|USDA|VA) 1 $305,000 $305,000 $3,120 7.50%
Tahlequah, OK (FHA|USDA|VA) 2 $300,000 $150,000 $7,793 5.38%
Defiance, OH (FHA|USDA|VA) 2 $300,000 $150,000 $2,935 7.13%
LONGVIEW, TX (FHA|USDA|VA) 1 $295,000 $295,000 $9,068 6.25%
Georgetown, SC (FHA|USDA|VA) 1 $295,000 $295,000 $2,306 7.50%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $295,000 $295,000 $2,532 7.25%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $295,000 $295,000 $14,603 5.00%
Laurel, MS (FHA|USDA|VA) 2 $290,000 $145,000 $4,049 6.75%
Bozeman, MT (FHA|USDA|VA) 1 $285,000 $285,000 $15,164 5.25%
Sterling, CO (FHA|USDA|VA) 1 $285,000 $285,000 $11,906 6.75%
Mountain Home, ID (FHA|USDA|VA) 1 $285,000 $285,000 $3,406 6.50%
Rutland, VT (FHA|USDA|VA) 1 $285,000 $285,000 $7,157 5.75%
Stevens Point, WI (FHA|USDA|VA) 1 $285,000 $285,000 $7,848 6.50%
Glenwood Springs, CO (FHA|USDA|VA) 1 $285,000 $285,000 $12,928 5.25%
Athens, OH (FHA|USDA|VA) 1 $275,000 $275,000 $13,058 6.38%
Seneca, SC (FHA|USDA|VA) 1 $275,000 $275,000 $4,503 6.50%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $275,000 $275,000 $5,915 5.88%
Klamath Falls, OR (FHA|USDA|VA) 2 $270,000 $135,000 $5,778 5.94%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $270,000 $135,000 $3,353 6.63%
CORVALLIS, OR (FHA|USDA|VA) 1 $265,000 $265,000 $7,498 6.13%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $265,000 $265,000 $9,373 6.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $265,000 $265,000 $11,786 5.88%
LUBBOCK, TX (FHA|USDA|VA) 2 $260,000 $130,000 $6,369 6.56%
Opelousas, LA (FHA|USDA|VA) 1 $255,000 $255,000 $8,289 6.75%
LINCOLN, NE (FHA|USDA|VA) 1 $255,000 $255,000 $1,646 6.88%
Okeechobee, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,027 7.38%
Fairfield, IA (FHA|USDA|VA) 1 $255,000 $255,000 $2,119 8.00%
Aberdeen, WA (FHA|USDA|VA) 2 $250,000 $125,000 $5,780 5.81%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,622 7.38%
Corning, NY (FHA|USDA|VA) 1 $245,000 $245,000 $6,084 6.63%
Spirit Lake, IA (FHA|USDA|VA) 1 $245,000 $245,000 $10,668 4.88%
LEBANON, PA (FHA|USDA|VA) 1 $235,000 $235,000 $4,816 6.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $235,000 $235,000 $8,241 5.63%
YAKIMA, WA (FHA|USDA|VA) 1 $235,000 $235,000 $4,285 6.63%
FLINT, MI (FHA|USDA|VA) 1 $235,000 $235,000 $4,749 7.25%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $235,000 $235,000 $10,058 5.63%
Indiana, PA (FHA|USDA|VA) 2 $230,000 $115,000 $3,382 5.94%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $230,000 $115,000 $2,015 6.81%
PUEBLO, CO (FHA|USDA|VA) 1 $225,000 $225,000 $10,623 5.38%
New Ulm, MN (FHA|USDA|VA) 1 $225,000 $225,000 $10,270 5.38%
ABILENE, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,386 6.25%
Meadville, PA (FHA|USDA|VA) 1 $225,000 $225,000 $7,500 6.38%
AMES, IA (FHA|USDA|VA) 1 $225,000 $225,000 $11,491 5.75%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $225,000 $225,000 $10,271 6.75%
Aberdeen, SD (FHA|USDA|VA) 2 $220,000 $110,000 $4,383 6.31%
Sanford, NC (FHA|USDA|VA) 1 $215,000 $215,000 $8,756 5.50%
Barre, VT (FHA|USDA|VA) 1 $215,000 $215,000 $7,593 6.63%
St. Marys, GA (FHA|USDA|VA) 1 $215,000 $215,000 $5,048 7.25%
Plymouth, IN (FHA|USDA|VA) 1 $215,000 $215,000 $10,023 4.38%
DUBUQUE, IA (FHA|USDA|VA) 1 $205,000 $205,000 $11,131 4.50%
Lewisburg, TN (FHA|USDA|VA) 1 $205,000 $205,000 $4,991 6.25%
Alamogordo, NM (FHA|USDA|VA) 1 $205,000 $205,000 $6,839 5.88%
Starkville, MS (FHA|USDA|VA) 1 $205,000 $205,000 $2,386 5.88%
Warren, PA (FHA|USDA|VA) 1 $205,000 $205,000 $8,614 6.63%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $7,032 6.88%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,150 7.50%
Gloversville, NY (FHA|USDA|VA) 1 $205,000 $205,000 $9,234 5.75%
GLENS FALLS, NY (FHA|USDA|VA) 1 $205,000 $205,000 $4,271 7.38%
Mount Pleasant, MI (FHA|USDA|VA) 1 $205,000 $205,000 $8,808 6.13%
Fremont, OH (FHA|USDA|VA) 2 $200,000 $100,000 $4,917 5.69%
Sedalia, MO (FHA|USDA|VA) 2 $200,000 $100,000 $3,455 6.69%
Tupelo, MS (FHA|USDA|VA) 1 $195,000 $195,000 $5,706 6.13%
Clewiston, FL (FHA|USDA|VA) 1 $195,000 $195,000 $5,708 5.75%
Mount Airy, NC (FHA|USDA|VA) 1 $195,000 $195,000 $4,667 7.00%
Hudson, NY (FHA|USDA|VA) 1 $195,000 $195,000 $10,022 5.13%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $195,000 $195,000 $8,201 5.88%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $195,000 $195,000 $1,959 6.50%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $195,000 $195,000 $7,119 6.63%
Clovis, NM (FHA|USDA|VA) 1 $185,000 $185,000 $7,164 7.00%
Durant, OK (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.63%
Columbus, MS (FHA|USDA|VA) 1 $185,000 $185,000 $8,838 5.25%
Palatka, FL (FHA|USDA|VA) 1 $185,000 $185,000 $9,166 5.13%
YUMA, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $8,690 7.25%
Snyder, TX (FHA|USDA|VA) 1 $175,000 $175,000 $7,821 6.00%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $175,000 $175,000 $7,567 5.50%
Gillette, WY (FHA|USDA|VA) 1 $175,000 $175,000 $6,570 5.50%
BURLINGTON, NC (FHA|USDA|VA) 1 $175,000 $175,000 $7,917 5.00%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $175,000 $175,000 $5,304 6.63%
Houghton, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,046 6.63%
Marshalltown, IA (FHA|USDA|VA) 1 $165,000 $165,000 $8,240 5.50%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $165,000 $165,000 $5,768 6.13%
Kennett, MO (FHA|USDA|VA) 1 $165,000 $165,000 $7,251 5.63%
DuBois, PA (FHA|USDA|VA) 1 $165,000 $165,000 $2,773 6.13%
Shawnee, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,463 6.38%
ENID, OK (FHA|USDA|VA) 1 $165,000 $165,000 $8,171 6.25%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $155,000 $155,000 $1,477 6.13%
Ottumwa, IA (FHA|USDA|VA) 1 $155,000 $155,000 $1,389 6.38%
Dickinson, ND (FHA|USDA|VA) 1 $155,000 $155,000 $2,831 7.38%
BAY CITY, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,134 7.13%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,219 7.63%
ALBANY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $6,480 5.38%
Paragould, AR (FHA|USDA|VA) 1 $145,000 $145,000 $5,687 6.63%
Harrison, AR (FHA|USDA|VA) 1 $145,000 $145,000 $6,070 4.63%
TOPEKA, KS (FHA|USDA|VA) 1 $145,000 $145,000 $5,552 5.88%
Alma, MI (FHA|USDA|VA) 1 $145,000 $145,000 $7,127 5.75%
Moberly, MO (FHA|USDA|VA) 1 $145,000 $145,000 $3,067 6.13%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $145,000 $145,000 $2,949 7.63%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,468 7.13%
Sayre, PA (FHA|USDA|VA) 1 $145,000 $145,000 $6,267 7.38%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $145,000 $145,000 $2,947 7.13%
ODESSA, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,537 4.75%
ERIE, PA (FHA|USDA|VA) 1 $135,000 $135,000 $7,626 5.63%
Bemidji, MN (FHA|USDA|VA) 1 $135,000 $135,000 $3,882 6.13%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $135,000 $135,000 $5,502 6.75%
Norwalk, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,557 6.88%
DECATUR, IL (FHA|USDA|VA) 1 $135,000 $135,000 $6,364 5.25%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $125,000 $125,000 $3,287 6.00%
Batesville, AR (FHA|USDA|VA) 1 $125,000 $125,000 $1,963 6.63%
Plattsburgh, NY (FHA|USDA|VA) 1 $125,000 $125,000 $4,940 7.88%
MIDLAND, MI (FHA|USDA|VA) 1 $125,000 $125,000 $4,479 5.63%
Centralia, WA (FHA|USDA|VA) 1 $125,000 $125,000 $5,267 6.00%
Wauchula, FL (FHA|USDA|VA) 1 $115,000 $115,000 $4,644 5.88%
BATON ROUGE, LA (FHA|USDA|VA) 1 $115,000 $115,000 $3,488 5.88%
OWENSBORO, KY (FHA|USDA|VA) 1 $115,000 $115,000 $5,604 5.88%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $115,000 $115,000 $5,540 6.50%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $115,000 $115,000 $5,785 5.25%
GOLDSBORO, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,676 7.13%
Greenville, MS (FHA|USDA|VA) 1 $115,000 $115,000 $2,436 7.38%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,722 7.88%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $105,000 $105,000 $2,986 6.75%
Craig, CO (FHA|USDA|VA) 1 $105,000 $105,000 $3,353 6.75%
Durango, CO (FHA|USDA|VA) 1 $105,000 $105,000 $1,037 6.38%
Forest City, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,242 6.50%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,143 6.88%
Olean, NY (FHA|USDA|VA) 1 $95,000 $95,000 $4,818 6.25%
MANSFIELD, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,321 6.63%
Paducah, KY-IL (FHA|USDA|VA) 1 $95,000 $95,000 $4,024 5.63%
Sturgis, MI (FHA|USDA|VA) 1 $95,000 $95,000 $3,378 6.25%
New Castle, IN (FHA|USDA|VA) 1 $95,000 $95,000 $3,894 6.75%
Mount Vernon, IL (FHA|USDA|VA) 1 $95,000 $95,000 $2,570 7.38%
Crossville, TN (FHA|USDA|VA) 1 $85,000 $85,000 $4,036 5.38%
Ludington, MI (FHA|USDA|VA) 1 $85,000 $85,000 $4,212 5.75%
Searcy, AR (FHA|USDA|VA) 1 $85,000 $85,000 $3,683 6.38%
Natchitoches, LA (FHA|USDA|VA) 1 $85,000 $85,000 $4,187 6.63%
Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $2,239 8.00%
Statesboro, GA (FHA|USDA|VA) 1 $75,000 $75,000 $5,692 6.75%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $75,000 $75,000 $2,053 7.38%
ALTOONA, PA (FHA|USDA|VA) 1 $75,000 $75,000 $3,634 6.50%
BECKLEY, WV (FHA|USDA|VA) 1 $75,000 $75,000 $3,712 6.00%
VICTORIA, TX (FHA|USDA|VA) 1 $75,000 $75,000 $4,937 6.50%
SUMTER, SC (FHA|USDA|VA) 1 $75,000 $75,000 $2,209 8.13%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $75,000 $75,000 $3,876 6.25%
Ally Bank's top markets include Ann Arbor, New York, Fresno, Chicago, and Dallas among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,703 $1,101,585,000 $407,542 $7,432 6.38%

    For 2023, Ally Bank's most frequently originated type of loan was Conventional, with 2,703 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,465 $895,135,000 $363,138 $7,482 6.39%
    Cash Out Refi 123 $33,845,000 $275,163 $7,479 6.38%
    Refi 60 $161,520,000 $2,692,000 $6,772 5.86%
    Home Improvement 36 $6,610,000 $183,611 $6,323 6.49%
    Other 19 $4,475,000 $235,526 $4,900 6.42%

    For 2023, Ally Bank's most frequently cited loan purpose was Home Purchase, with 2,465 originations. The 2nd most popular reason was Cash Out Refi, with 123 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,455 $886,965,000 $361,289 $7,330 6.45%
    15 Year 187 $52,535,000 $280,936 $9,139 5.46%
    20 Year 59 $18,135,000 $307,373 $6,287 6.28%
    3 Year 2 $143,950,000 $71,975,000 $0 3.93%

    For 2023, Ally Bank's most frequently cited loan duration was 30 Year, with 2,455 originations. The 2nd most popular length was 15 Year, with 187 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 941 $362,665,000 $385,404
    $5k+ 836 $336,680,000 $402,727
    $1k-2k 278 $82,830,000 $297,950
    $2k-3k 252 $65,810,000 $261,151
    $3k-4k 206 $52,900,000 $256,796
    $4k-5k 153 $49,395,000 $322,843

    Ally Bank's average total fees were $7,330, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 941 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,199 $454,295,000 $378,895
    5-6% 869 $294,585,000 $338,993
    7-8% 487 $158,315,000 $325,082
    4-5% 97 $69,775,000 $719,330
    Over 8% 42 $12,070,000 $287,381
    3-4% 8 $112,410,000 $14,051,250

    During 2023, Ally Bank's average interest rate for loans was 6.45%, while their most frequently originated rate bucket for loans was 6-7%, with 1,199 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,165 $345,585,000 $296,639 $7,181 6.34%
    $100k-200k 592 $90,730,000 $153,260 $4,597 6.42%
    $400k-600k 544 $261,640,000 $480,956 $8,903 6.38%
    $600k-1MM 201 $144,365,000 $718,234 $12,001 6.31%
    $100,000 or less 120 $10,240,000 $85,333 $3,721 6.62%
    $1MM+ 81 $249,025,000 $3,074,383 $15,528 6.38%

    2023 saw Ally Bank place emphasis on $200k-400k loans with 1,165 originations, totaling $345,585,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 728 $231,100,000 $317,445 $7,308 6.34%
    $150k-250k 694 $290,480,000 $418,559 $8,597 6.46%
    $75k-100k 444 $107,740,000 $242,658 $6,178 6.33%
    $50k-75k 347 $65,635,000 $189,150 $5,331 6.25%
    $250k+ 336 $242,400,000 $721,429 $10,590 6.47%
    $50k or less 152 $20,280,000 $133,421 $4,327 6.38%

    Ally Bank lent most frequently to those with incomes in the $100k-150k range, with 728 originations. The second most popular income band? $150k-250k, with 694 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 641 $219,135,000 $341,864 $7,611 6.33%
    30-36% 486 $177,370,000 $364,959 $7,508 6.37%
    <20% 195 $55,245,000 $283,308 $6,767 6.21%
    49% 140 $45,950,000 $328,214 $8,062 6.34%
    41% 111 $43,015,000 $387,523 $7,327 6.46%
    39% 110 $41,730,000 $379,364 $7,688 6.44%
    48% 107 $34,165,000 $319,299 $6,968 6.45%
    36% 101 $37,835,000 $374,604 $6,879 6.46%
    42% 98 $38,990,000 $397,857 $7,359 6.45%
    43% 96 $37,430,000 $389,896 $8,164 6.36%
    44% 96 $37,530,000 $390,938 $7,227 6.36%
    47% 93 $29,105,000 $312,957 $6,999 6.30%
    38% 92 $34,800,000 $378,261 $6,768 6.56%
    37% 91 $31,455,000 $345,659 $7,125 6.43%
    40% 84 $34,920,000 $415,714 $7,394 6.55%
    45% 79 $25,535,000 $323,228 $6,587 6.50%
    46% 78 $32,490,000 $416,538 $8,938 6.38%
    50-60% 3 $935,000 $311,667 $12,097 5.67%

    Ally Bank lent most frequently to those with DTI ratios of 20-30%, with 641 originations. The next most common DTI ratio? 30-36%, with 486 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,886 $635,620,000 $337,020 $7,219 6.37%
    Not provided 416 $165,930,000 $398,870 $7,419 6.43%
    Not applicable 2 $143,950,000 $71,975,000 $0 3.93%
    Asian 148 $62,930,000 $425,203 $8,588 6.32%
    Black 149 $51,015,000 $342,383 $7,741 6.43%
    Asian Indian 40 $20,540,000 $513,500 $10,913 6.24%
    American Indian 25 $7,955,000 $318,200 $7,639 6.09%
    Chinese 6 $4,880,000 $813,333 $10,129 6.52%
    Other Asian 10 $2,090,000 $209,000 $8,660 6.91%
    Filipino 6 $1,920,000 $320,000 $9,129 6.65%
    Korean 4 $1,680,000 $420,000 $2,841 6.53%
    Other Pacific Islander 3 $905,000 $301,667 $10,745 5.96%
    Japanese 2 $830,000 $415,000 $13,719 5.88%
    Vietnamese 3 $705,000 $235,000 $11,982 5.88%
    Native Hawaiian or Islander 2 $460,000 $230,000 $9,381 6.63%
    Guamanian 1 $175,000 $175,000 $6,666 7.50%

    Approval Rates

    Total approvals of all applications
    92.58%

    Ally Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    33.56%

    Ally Bank 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 2,703 $1,101,585,000 $407,542

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,703 $1,101,585,000 $407,542

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 128 $27,230,000 $212,734 $6,001 6.24%
    40-60% 309 $126,155,000 $408,269 $6,743 6.28%
    60-80% 934 $469,990,000 $503,201 $8,061 6.41%
    80-100% 1,314 $476,410,000 $362,565 $7,355 6.38%
    Under 20% 18 $1,800,000 $100,000 $3,151 6.84%