Ally Bank Mortgage Rates, Fees & Info
Sandy, UTLEI: 549300C04BJ0G297NC13
Tax ID: 20-1001796
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Review & Overview
Ally Bank is a small bank specializing in Home Purchase and Refi loans. Ally Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Los Angeles, New York, Washington, and Seattle among others. We have data for 400 markets. (Some data included below & more in-depth data is available with an active subscription.)Ally Bank 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. Ally Bank 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 | 6.29% | 12/16/24 |
| 30 Year Conventional Refi | 6.13% | 12/16/24 |
| 30 Year Cash-out Refi | 6.41% | 12/16/24 |
| 15 Year Conventional Purchase | 5.83% | 12/16/24 |
| 15 Year Conventional Refi | 5.79% | 12/16/24 |
| 15 Year Cash-out Refi | 5.79% | 12/16/24 |
| 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
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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
5,443Origination Dollar Volume (All Markets)
$2,778,845,000Employee count
7,940Awards
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Ally Bank - 2019
Ally Bank is a 2019 , due to their low .
For 2019, 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 |
|---|---|---|---|---|---|
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 382 | $320,430,000 | $838,822 | $4,464 | 3.56% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 445 | $315,095,000 | $708,079 | $4,874 | 3.62% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 276 | $152,020,000 | $550,797 | $5,813 | 3.86% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 197 | $123,795,000 | $628,401 | $4,721 | 3.84% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 180 | $113,690,000 | $631,611 | $4,254 | 3.68% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 154 | $110,550,000 | $717,857 | $4,636 | 3.65% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 125 | $108,965,000 | $871,720 | $4,111 | 3.49% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 208 | $98,700,000 | $474,519 | $5,200 | 3.69% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 161 | $79,915,000 | $496,366 | $5,675 | 3.69% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 102 | $66,170,000 | $648,725 | $4,653 | 3.81% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 144 | $64,280,000 | $446,389 | $4,689 | 3.92% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 148 | $58,330,000 | $394,122 | $3,818 | 3.86% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 16 | $55,680,000 | $3,480,000 | $6,329 | 3.86% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 96 | $55,390,000 | $576,979 | $6,201 | 3.80% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 128 | $51,470,000 | $402,109 | $5,388 | 3.87% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 127 | $50,655,000 | $398,858 | $4,212 | 3.86% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 125 | $47,435,000 | $379,480 | $4,012 | 3.98% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 91 | $46,645,000 | $512,582 | $4,593 | 3.86% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 86 | $43,070,000 | $500,814 | $5,404 | 3.66% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 64 | $34,410,000 | $537,656 | $3,822 | 3.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 71 | $33,535,000 | $472,324 | $4,383 | 3.77% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 71 | $32,735,000 | $461,056 | $4,559 | 3.86% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 50 | $29,750,000 | $595,000 | $4,329 | 3.78% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 64 | $23,810,000 | $372,031 | $4,711 | 4.02% |
| Outside of Metro Areas | 98 | $23,700,000 | $241,837 | $3,838 | 4.15% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 63 | $21,665,000 | $343,889 | $3,324 | 3.78% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 46 | $20,360,000 | $442,609 | $4,434 | 3.96% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 53 | $19,915,000 | $375,755 | $3,910 | 3.83% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 68 | $18,010,000 | $264,853 | $3,461 | 3.99% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 44 | $17,820,000 | $405,000 | $5,255 | 4.00% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 31 | $17,085,000 | $551,129 | $5,667 | 3.61% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 45 | $14,955,000 | $332,333 | $3,598 | 3.98% |
| SALINAS, CA (FHA|USDA|VA) | 20 | $13,880,000 | $694,000 | $3,736 | 3.78% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 21 | $11,765,000 | $560,238 | $4,279 | 3.73% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 30 | $11,250,000 | $375,000 | $3,842 | 4.04% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 15 | $11,235,000 | $749,000 | $4,852 | 3.64% |
| PITTSBURGH, PA (FHA|USDA|VA) | 38 | $10,850,000 | $285,526 | $5,031 | 3.96% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 33 | $10,815,000 | $327,727 | $4,114 | 3.78% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $10,005,000 | $10,005,000 | $17,362 | 4.13% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 26 | $8,940,000 | $343,846 | $3,619 | 3.98% |
| BOULDER, CO (FHA|USDA|VA) | 11 | $8,875,000 | $806,818 | $5,602 | 3.69% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 19 | $8,185,000 | $430,789 | $3,818 | 3.96% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 22 | $8,070,000 | $366,818 | $4,633 | 3.84% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 13 | $7,745,000 | $595,769 | $4,507 | 3.57% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 13 | $7,605,000 | $585,000 | $3,048 | 3.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 20 | $7,550,000 | $377,500 | $3,820 | 4.02% |
| COLUMBUS, OH (FHA|USDA|VA) | 20 | $7,420,000 | $371,000 | $4,003 | 3.97% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 20 | $7,050,000 | $352,500 | $3,765 | 4.11% |
| RICHMOND, VA (FHA|USDA|VA) | 15 | $6,865,000 | $457,667 | $3,895 | 3.92% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 15 | $6,405,000 | $427,000 | $4,618 | 3.87% |
| TUCSON, AZ (FHA|USDA|VA) | 18 | $6,300,000 | $350,000 | $3,993 | 3.81% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 19 | $6,235,000 | $328,158 | $2,875 | 3.96% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 14 | $6,150,000 | $439,286 | $5,082 | 3.92% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 15 | $5,775,000 | $385,000 | $3,874 | 3.91% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 11 | $5,575,000 | $506,818 | $5,318 | 3.79% |
| RENO, NV (FHA|USDA|VA) | 11 | $5,485,000 | $498,636 | $4,174 | 4.03% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 18 | $5,460,000 | $303,333 | $3,361 | 3.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 19 | $5,375,000 | $282,895 | $4,000 | 3.89% |
| FORT COLLINS, CO (FHA|USDA|VA) | 16 | $5,350,000 | $334,375 | $3,847 | 3.86% |
| FRESNO, CA (FHA|USDA|VA) | 10 | $5,230,000 | $523,000 | $6,479 | 3.69% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 15 | $4,815,000 | $321,000 | $3,641 | 4.01% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 16 | $4,560,000 | $285,000 | $4,156 | 3.96% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 14 | $4,510,000 | $322,143 | $4,739 | 3.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 12 | $4,270,000 | $355,833 | $3,777 | 4.16% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $4,265,000 | $473,889 | $3,796 | 4.06% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 13 | $4,205,000 | $323,462 | $3,772 | 4.10% |
| BEND, OR (FHA|USDA|VA) | 7 | $3,665,000 | $523,571 | $7,523 | 3.68% |
| ANN ARBOR, MI (FHA|USDA|VA) | 11 | $3,585,000 | $325,909 | $4,203 | 3.77% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 7 | $3,485,000 | $497,857 | $4,989 | 3.93% |
| MADISON, WI (FHA|USDA|VA) | 7 | $3,455,000 | $493,571 | $3,357 | 3.89% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 16 | $3,410,000 | $213,125 | $2,895 | 4.11% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 11 | $3,375,000 | $306,818 | $3,773 | 3.73% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $3,375,000 | $375,000 | $3,791 | 3.88% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 8 | $3,350,000 | $418,750 | $4,966 | 3.68% |
| SANTA FE, NM (FHA|USDA|VA) | 9 | $3,275,000 | $363,889 | $4,430 | 3.97% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 9 | $3,135,000 | $348,333 | $4,477 | 3.79% |
| BOISE CITY, ID (FHA|USDA|VA) | 12 | $3,110,000 | $259,167 | $3,761 | 4.16% |
| COLUMBIA, SC (FHA|USDA|VA) | 12 | $3,030,000 | $252,500 | $4,076 | 4.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 5 | $2,965,000 | $593,000 | $3,945 | 3.70% |
| KNOXVILLE, TN (FHA|USDA|VA) | 10 | $2,900,000 | $290,000 | $3,848 | 3.70% |
| GREELEY, CO (FHA|USDA|VA) | 7 | $2,785,000 | $397,857 | $4,091 | 3.79% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $2,775,000 | $555,000 | $4,619 | 3.95% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 9 | $2,765,000 | $307,222 | $3,523 | 3.88% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 12 | $2,700,000 | $225,000 | $3,640 | 3.99% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 8 | $2,680,000 | $335,000 | $4,926 | 3.50% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 5 | $2,655,000 | $531,000 | $5,995 | 4.10% |
| OCALA, FL (FHA|USDA|VA) | 5 | $2,615,000 | $523,000 | $5,589 | 4.15% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 9 | $2,585,000 | $287,222 | $3,978 | 4.28% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 12 | $2,570,000 | $214,167 | $3,168 | 3.85% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 10 | $2,550,000 | $255,000 | $2,992 | 3.86% |
| LOUISVILLE, KY (FHA|USDA|VA) | 9 | $2,545,000 | $282,778 | $3,391 | 4.21% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $2,515,000 | $279,444 | $4,919 | 4.11% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 7 | $2,475,000 | $353,571 | $3,620 | 3.43% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 8 | $2,470,000 | $308,750 | $3,577 | 4.16% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 7 | $2,455,000 | $350,714 | $3,060 | 3.71% |
| ASHEVILLE, NC (FHA|USDA|VA) | 8 | $2,440,000 | $305,000 | $4,485 | 3.81% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $2,405,000 | $481,000 | $3,707 | 3.73% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 13 | $2,395,000 | $184,231 | $3,059 | 4.33% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $2,370,000 | $395,000 | $4,207 | 3.94% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $2,275,000 | $252,778 | $3,375 | 4.13% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $2,250,000 | $562,500 | $4,948 | 4.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $2,220,000 | $370,000 | $3,874 | 4.21% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $2,190,000 | $547,500 | $5,179 | 4.06% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 5 | $2,185,000 | $437,000 | $3,771 | 3.73% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 5 | $2,105,000 | $421,000 | $3,416 | 4.10% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $2,085,000 | $417,000 | $4,048 | 4.32% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $2,080,000 | $260,000 | $3,715 | 4.16% |
| NAPA, CA (FHA|USDA|VA) | 3 | $2,065,000 | $688,333 | $3,829 | 4.08% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 5 | $2,055,000 | $411,000 | $3,739 | 3.73% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 4 | $2,050,000 | $512,500 | $2,926 | 4.19% |
| WILMINGTON, NC (FHA|USDA|VA) | 7 | $2,045,000 | $292,143 | $3,325 | 4.11% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 8 | $1,940,000 | $242,500 | $3,526 | 3.89% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $1,915,000 | $383,000 | $3,847 | 3.92% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $1,810,000 | $226,250 | $4,856 | 3.95% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $3,374 | 4.19% |
| TOLEDO, OH (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $3,801 | 3.94% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,775,000 | $355,000 | $5,677 | 4.08% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $1,775,000 | $591,667 | $3,320 | 3.79% |
| NILES, MI (FHA|USDA|VA) | 3 | $1,745,000 | $581,667 | $3,424 | 4.04% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,725,000 | $575,000 | $3,576 | 3.79% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $5,439 | 3.75% |
| AKRON, OH (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $3,495 | 3.66% |
| LANCASTER, PA (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $4,330 | 3.78% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $3,350 | 4.19% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $4,052 | 4.28% |
| ROANOKE, VA (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $3,921 | 4.40% |
| AMARILLO, TX (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $5,607 | 3.97% |
| SALEM, OR (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $3,910 | 4.05% |
| ANCHORAGE, AK (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $4,284 | 3.96% |
| Juneau, AK (FHA|USDA|VA) | 1 | $1,355,000 | $1,355,000 | $8,372 | 3.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $4,089 | 3.98% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $4,707 | 3.66% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $4,087 | 4.10% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $3,658 | 3.92% |
| GAINESVILLE, FL (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $7,752 | 3.73% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $4,109 | 4.23% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $3,596 | 3.81% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $3,018 | 3.88% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $3,658 | 4.00% |
| Heber, UT (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $3,750 | 3.94% |
| TYLER, TX (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $3,792 | 3.81% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $4,160 | 4.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $8,112 | 3.44% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $6,799 | 4.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $6,158 | 3.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $3,210 | 4.02% |
| CORVALLIS, OR (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $4,213 | 3.97% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $4,785 | 3.94% |
| WACO, TX (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $3,197 | 4.16% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $2,681 | 3.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $2,985 | 3.83% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $4,252 | 3.94% |
| Coos Bay, OR (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $4,331 | 4.16% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,126 | 4.18% |
| Durango, CO (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $5,026 | 3.81% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $4,465 | 3.94% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $4,187 | 4.31% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $5,755 | 3.50% |
| ERIE, PA (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $4,472 | 4.65% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,877 | 3.38% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,436 | 4.31% |
| Boone, NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $4,490 | 3.92% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,392 | 4.08% |
| Lebanon, NH-VT (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $3,572 | 4.40% |
| Danville, VA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $3,982 | 4.13% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,159 | 4.04% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,287 | 4.19% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $5,730 | 3.62% |
| Los Alamos, NM (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $4,240 | 4.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $6,493 | 4.00% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,986 | 4.38% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,507 | 4.25% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,008 | 3.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,184 | 4.08% |
| Bennington, VT (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $6,298 | 3.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,616 | 3.79% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,120 | 4.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,140 | 4.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $4,203 | 4.31% |
| Hudson, NY (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,564 | 3.68% |
| CASPER, WY (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,332 | 4.25% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,481 | 4.13% |
| Newport, OR (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,121 | 3.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,761 | 4.25% |
| Key West, FL (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $7,205 | 3.75% |
| MERCED, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,006 | 4.06% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,408 | 4.31% |
| TULSA, OK (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $3,919 | 4.28% |
| READING, PA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,704 | 3.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,005 | 3.79% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,949 | 3.25% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $3,679 | 4.47% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,601 | 4.83% |
| Hood River, OR (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $8,175 | 3.99% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $6,170 | 4.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $7,345 | 3.88% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,655 | 3.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,719 | 4.33% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $12,038 | 3.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,958 | 4.46% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,186 | 3.96% |
| REDDING, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,568 | 3.81% |
| Montrose, CO (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,372 | 3.49% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,790 | 4.25% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,208 | 3.96% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,547 | 4.49% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,980 | 4.25% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,164 | 4.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,380 | 4.93% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,179 | 4.19% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,003 | 3.81% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,417 | 2.88% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,844 | 3.49% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $9,339 | 4.38% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $1,836 | 3.94% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,057 | 4.46% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,898 | 4.00% |
| Seneca, SC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,682 | 3.75% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,319 | 4.31% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $1,790 | 3.75% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,993 | 4.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,870 | 4.13% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,657 | 3.88% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,827 | 4.38% |
| Forest City, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,657 | 3.94% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,325 | 4.13% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,852 | 3.13% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $3,873 | 4.00% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,999 | 4.00% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,436 | 3.81% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,494 | 4.38% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,103 | 4.63% |
| FLINT, MI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,887 | 4.56% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,344 | 4.00% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,724 | 3.25% |
| Oxford, MS (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,005 | 4.13% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,042 | 4.38% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,213 | 4.13% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,254 | 3.63% |
| Centralia, WA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,755 | 4.44% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,108 | 4.25% |
| Pullman, WA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,601 | 4.94% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,400 | 3.38% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,707 | 3.75% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,473 | 4.06% |
| Brookings, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,108 | 3.88% |
| Marion, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,580 | 3.50% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,071 | 4.69% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,834 | 4.06% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,264 | 4.50% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,274 | 4.25% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,359 | 3.63% |
| Sanford, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,522 | 4.38% |
| BINGHAMTON, NY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,708 | 4.63% |
| Outside of Metro Areas | 1 | $335,000 | $335,000 | $3,826 | 3.75% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,864 | 3.00% |
| Cadillac, MI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,494 | 4.81% |
| Picayune, MS (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,309 | 3.94% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,286 | 4.06% |
| Fernley, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,948 | 4.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,271 | 3.75% |
| Oil City, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,339 | 4.13% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,010 | 4.44% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,276 | 3.38% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,976 | 4.25% |
| Brenham, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,880 | 4.00% |
| Holland, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,345 | 4.38% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,845 | 3.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,706 | 4.44% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,838 | 4.81% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,339 | 4.25% |
| Olean, NY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,152 | 4.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,845 | 4.38% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,810 | 4.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,554 | 5.13% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,939 | 3.38% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,323 | 4.63% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,515 | 3.94% |
| Elkins, WV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,234 | 4.25% |
| Danville, KY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,982 | 4.63% |
| CHICO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,659 | 5.13% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,956 | 4.25% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,465 | 4.38% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,106 | 3.63% |
| Payson, AZ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,485 | 3.75% |
| Concord, NH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,055 | 4.25% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,932 | 4.38% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,860 | 4.25% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,987 | 4.13% |
| DuBois, PA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,449 | 3.19% |
| Hailey, ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,751 | 4.38% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,857 | 4.19% |
| Freeport, IL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,801 | 4.06% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,023 | 3.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,488 | 4.06% |
| Brevard, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,221 | 3.25% |
| Fremont, NE (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,119 | 3.75% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,216 | 3.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,338 | 3.63% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,615 | 3.75% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,726 | 3.88% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,838 | 4.25% |
| Angola, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,522 | 3.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,687 | 5.31% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,465 | 4.19% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,119 | 4.75% |
| MONROE, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,094 | 4.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,132 | 4.13% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,076 | 3.75% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,631 | 4.25% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,974 | 4.75% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,099 | 3.63% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,265 | 5.50% |
| Marietta, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,571 | 4.13% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,344 | 6.13% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,549 | 4.25% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,064 | 3.88% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,536 | 3.88% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,597 | 4.94% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,736 | 3.50% |
| Adrian, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,211 | 4.25% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,231 | 3.63% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,905 | 4.75% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,814 | 4.13% |
| MONROE, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,264 | 4.75% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,311 | 3.75% |
| Wooster, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,854 | 4.25% |
| Woodward, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,845 | 3.88% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,881 | 4.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,662 | 4.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,150 | 3.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,378 | 4.63% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,755 | 3.63% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,277 | 4.88% |
| Barre, VT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,559 | 4.50% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,895 | 3.63% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,464 | 4.13% |
| Rutland, VT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,803 | 5.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,504 | 4.00% |
| Union City, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,832 | 4.25% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,306 | 4.38% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,615 | 4.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,376 | 4.38% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,032 | 4.38% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,177 | 4.75% |
| Paris, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,798 | 3.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,961 | 4.38% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,624 | 4.88% |
| Dayton, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,947 | 3.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,839 | 4.50% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,529 | 5.13% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,295 | 4.75% |
| Fremont, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,218 | 4.25% |
| Somerset, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,253 | 5.50% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,019 | 3.38% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,460 | 3.75% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,205 | 4.38% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,623 | 3.75% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,980 | 3.75% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,713 | 4.38% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,514 | 3.75% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,089 | 5.25% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,527 | 5.13% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,597 | 3.75% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,041 | 4.75% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,107 | 4.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,726 | 4.63% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,843 | 4.75% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,411 | 3.88% |
| New Castle, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,553 | 4.25% |
| Sterling, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,295 | 4.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,311 | 4.38% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,033 | 5.00% |
| Williston, ND (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,909 | 3.88% |
| Corning, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,838 | 5.13% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,721 | 5.50% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,599 | 4.75% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,151 | 4.75% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,677 | 3.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,007 | 4.50% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,410 | 3.63% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,604 | 5.25% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,072 | 4.13% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,927 | 5.25% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,859 | 3.50% |
| Mount Gay-Shamrock, WV (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,981 | 4.50% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,143 | 3.63% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,082 | 4.88% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,819 | 4.50% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,926 | 5.38% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,751 | 3.63% |
| Athens, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,352 | 3.50% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,657 | 5.38% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,578 | 5.25% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,685 | 4.00% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,739 | 4.75% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,132 | 4.88% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,456 | 3.63% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,013 | 4.50% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,924 | 4.88% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 5,443 | $2,778,845,000 | $510,536 | $4,515 | 3.83% |
For 2019, Ally Bank's most frequently originated type of loan was Conventional, with 5,443 originations.
Loan Reason
For 2019, Ally Bank's most frequently cited loan purpose was Home Purchase, with 2,653 originations. The 2nd most popular reason was Refi, with 1,950 originations.
Loan Duration/Length
For 2019, Ally Bank's most frequently cited loan duration was 30 Year, with 4,697 originations. The 2nd most popular length was 15 Year, with 566 originations.
Origination Fees/Closing Costs
Ally Bank's average total fees were $4,605, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,086 originations.
Interest Rates
During 2019, Ally Bank's average interest rate for loans was 3.85%, while their most frequently originated rate bucket for loans was 3-4%, with 3,969 originations.
Loan Sizing
2019 saw Ally Bank place emphasis on $400k-600k loans with 1,531 originations, totaling $784,795,000 in origination value.
Applicant Income
Ally Bank lent most frequently to those with incomes in the $150k-250k range, with 1,857 originations. The second most popular income band? $250k+, with 1,298 originations.
Applicant Debt to Income Ratio
Ally Bank lent most frequently to those with DTI ratios of 20-30%, with 1,795 originations. The next most common DTI ratio? 30-36%, with 1,216 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.99%
Ally Bank has an average approval rate.
Pick Rate
Approvals leading to origination67.37%
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 | 5,443 | $2,778,845,000 | $510,536 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 1 | $47,605,000 | $47,605,000 |
| Single Family (1-4 Units):Site-Built | 5,442 | $2,731,240,000 | $501,882 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ALLY FINANCIAL INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 41.2% |
| ALLY FINANCIAL INC. | Conventional home mortgage | Closing on a mortgage | 2 | 11.8% |
| ALLY FINANCIAL INC. | Conventional home mortgage | Trouble during payment process | 8 | 47.1% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Ally Bank | 200 West Civic Centre Drive, Suite 201 Sandy, UT 84070 | Full Service Cyber Office | $117,895,000 |
For 2019, Ally Bank had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $8,242,000 |
| Net interest income | $5,036,000 |
| Total noninterest income | $1,982,000 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $10,000 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,972,000 |
| Pre-tax net operating income | $2,802,000 |
| Securities gains (or losses, -) | $58,000 |
| Income before extraordinary items | $2,160,000 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $2,160,000 |
| Minority interest net income | $0 |
| Net income | $2,160,000 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $2,114,180 |
Ally Bank's gross interest income from loans was $8,242,000,000.
Ally Bank's net interest income from loans was $5,036,000,000.
Ally Bank's fee based income from loans was $10,000,000.
Ally Bank's net income from loans was $2,160,000,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $3,206,000 |
| Provision for credit losses | $1,031,000 |
| Total noninterest expense | $3,185,000 |
| Salaries and employee benefits | $1,071,000 |
| Premises and equipment expense | $67,000 |
| Additional noninterest expense | $2,047,000 |
| Applicable income taxes | $700,000 |
| Net charge-offs | $872,000 |
| Cash dividends | $1,950,000 |
Ally Bank's interest expense for loans was $3,206,000,000.
Ally Bank's payroll and benefits expense were $1,071,000,000.
Ally Bank's property, plant and equipment expenses $67,000,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 2.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $122,959,000 |
| Deposits held in domestic offices | $122,959,000 |
| Deposits by Individuals, partnerships, and corporations | $122,959,000 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $0 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $4,544,000 |
| Demand deposits | $2,208,000 |
| Nontransaction accounts | $118,415,000 |
| Money market deposit accounts (MMDAs) | $5,664,000 |
| Other savings deposits (excluding MMDAs) | $54,606,000 |
| Total time deposits | $58,145,000 |
| Total time and savings deposits | $120,751,000 |
| Noninterest-bearing deposits | $165,000 |
| Interest-bearing deposits | $122,794,000 |
| Retail deposits | $97,877,000 |
| IRAs and Keogh plan accounts | $3,751,000 |
| Brokered deposits | $16,898,000 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $167,492,000 |
| Cash & Balances due from depository institutions | $3,207,000 |
| Interest-bearing balances | $2,784,000 |
| Total securities | $27,888,000 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $122,660,000 |
| Loan and leases loss allowance | $1,227,000 |
| Trading account assets | $2,000 |
| Bank premises and fixed assets | $634,000 |
| Other real estate owned | $9,000 |
| Goodwill and other intangibles | $174,000 |
| All other assets | $12,918,000 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $167,492,000 |
| Total Liabilities | $150,539,000 |
| Total deposits | $122,959,000 |
| Interest-bearing deposits | $122,794,000 |
| Deposits held in domestic offices | $122,959,000 |
| % insured (estimated) | $90 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $24,084,000 |
| Subordinated debt | $0 |
| All other liabilities | $3,496,000 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $122,660,000 |
| Loan and leases loss allowance | $1,227,000 |
| Total loans and leases (domestic) | $123,887,000 |
| All real estate loans | $22,111,000 |
| Real estate loans in domestic offices | $22,111,000 |
| Construction and development loans | $178,000 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $178,000 |
| Loans secured by nonfarm nonresidential properties | $4,541,000 |
| Nonfarm nonresidential secured by owner-occupied properties | $3,758,000 |
| Commercial real estate & other non-farm, non-residential | $783,000 |
| Multifamily residential real estate | $39,000 |
| 1-4 family residential loans | $17,353,000 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $40,123,000 |
| To non-U.S. addressees | $97,000 |
| Loans to individuals | $60,215,000 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $60,003,000 |
| Other loans to individuals | $212,000 |
| All other loans & leases | $1,438,000 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,033,000 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $11,000 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $397,000 |
| Non 1-4 family restructured loans & leases | $216,000 |
| Total loans and leases (foreign) | $0 |
Ally Bank had $122,660,000,000 of loans outstanding in 2019. $22,111,000,000 of loans were in real estate loans. $178,000,000 of loans were in development loans. $39,000,000 of loans were in multifamily mortgage loans. $17,353,000,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $60,003,000,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 91 | $52,000 | $571,429 |
| Nonfarm, nonresidential loans - $250k-1MM | 91 | $52,000 | $571,429 |
| Commercial & Industrial, US addressed loans - <$1MM | 307,631 | $7,782,000 | $25,297 |
| Commercial & Industrial, US addressed loans - <$100k | 306,974 | $7,609,000 | $24,787 |
| Commercial & Industrial, US addressed loans - $100-250k | 141 | $13,000 | $92,199 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 516 | $160,000 | $310,078 |