Bank Of England Mortgage Rates, Fees & Info

England, AR

LEI: 549300GY4NTTEM7WWB64

Tax ID: 71-0009800

4.9 stars - Updated: 4/14/24 - out of 5 stars, based on 82 reviews

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

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Mortgage Data

Review & Overview

Bank Of England is a small bank specializing in Home Purchase loans. Bank Of England 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: Jacksonville, Milwaukee, Little Rock, Denver, and Orlando among others. We have data for 471 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bank Of England 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. Bank Of England 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 6.86% 4/14/24
30 Year Conventional Refi 6.62% 4/14/24
30 Year Cash-out Refi 6.90% 4/14/24
30 Year FHA Purchase 7.61% 4/14/24
30 Year FHA Refi 7.23% 4/14/24
30 Year VA Purchase 6.36% 4/14/24
30 Year VA Refi 5.83% 4/14/24
30 Year USDA Purchase 6.89% 4/14/24
30 Year USDA Refi 6.27% 4/14/24
15 Year Conventional Purchase 6.21% 4/14/24
15 Year Conventional Refi 6.18% 4/14/24
15 Year Cash-out Refi 6.18% 4/14/24
15 Year FHA Refi 5.68% 4/14/24
15 Year VA Purchase 6.03% 4/14/24
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.

Bank Of England Mortgage Calculator






Your Estimates

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

This is not an official calculator from Bank Of England. 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

6,737

Origination Dollar Volume (All Markets)

$2,045,995,000
Show all (19) awards

Relative Rate

Bank Of England's average 30 year fixed mortgage rate was 6.73%.

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

This yields a difference of 0.25%.

Relative Fees (Closing Costs)

Bank Of England's average total fees/closing costs for a 30 year fixed rate mortgage were $8,372.

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
JACKSONVILLE, FL (FHA|USDA|VA) 866 $299,730,000 $346,109 $9,512 6.49%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 426 $120,280,000 $282,347 $5,060 6.91%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 295 $70,565,000 $239,203 $5,830 6.89%
Outside of Metro Areas 313 $63,535,000 $202,987 $7,269 6.81%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 131 $62,105,000 $474,084 $8,358 6.83%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 157 $58,335,000 $371,561 $9,975 6.68%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 155 $56,905,000 $367,129 $9,164 6.54%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 171 $48,935,000 $286,170 $7,021 6.80%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 154 $47,410,000 $307,857 $8,650 6.66%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 100 $45,010,000 $450,100 $7,869 6.90%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 128 $43,660,000 $341,094 $9,993 7.10%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 178 $41,140,000 $231,124 $7,404 6.84%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 81 $38,405,000 $474,136 $16,034 6.71%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 114 $38,260,000 $335,614 $10,582 6.86%
COLUMBUS, OH (FHA|USDA|VA) 122 $35,950,000 $294,672 $9,357 6.79%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 73 $33,645,000 $460,890 $9,696 6.78%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 84 $31,990,000 $380,833 $9,656 6.64%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 88 $30,250,000 $343,750 $10,870 6.55%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 101 $27,375,000 $271,040 $7,753 6.88%
BOISE CITY, ID (FHA|USDA|VA) 66 $26,200,000 $396,970 $11,196 6.34%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 80 $25,640,000 $320,500 $8,134 6.91%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 88 $23,810,000 $270,568 $7,105 6.97%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 67 $22,725,000 $339,179 $5,239 6.66%
EVANSVILLE, IN-KY (FHA|USDA|VA) 117 $22,285,000 $190,470 $4,872 6.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 69 $19,695,000 $285,435 $7,735 6.62%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 62 $17,510,000 $282,419 $12,489 6.49%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 60 $17,460,000 $291,000 $9,077 6.60%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 48 $17,300,000 $360,417 $10,415 6.88%
JACKSON, MS (FHA|USDA|VA) 52 $15,910,000 $305,962 $9,945 6.89%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 50 $15,090,000 $301,800 $9,447 6.58%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 46 $14,900,000 $323,913 $8,739 6.95%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 70 $14,650,000 $209,286 $6,936 6.78%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 46 $14,140,000 $307,391 $8,467 7.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 69 $14,075,000 $203,986 $4,641 6.53%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 30 $12,690,000 $423,000 $10,391 6.55%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 38 $12,540,000 $330,000 $12,199 6.61%
Dickinson, ND (FHA|USDA|VA) 49 $12,475,000 $254,592 $7,205 6.91%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 25 $11,515,000 $460,600 $7,682 6.70%
MOBILE, AL (FHA|USDA|VA) 53 $11,355,000 $214,245 $7,964 6.91%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 36 $11,090,000 $308,056 $8,561 6.86%
WORCESTER, MA-CT (FHA|USDA|VA) 29 $10,665,000 $367,759 $10,244 6.66%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 49 $10,225,000 $208,673 $7,928 6.43%
HUNTSVILLE, AL (FHA|USDA|VA) 24 $9,860,000 $410,833 $6,901 6.47%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 31 $9,695,000 $312,742 $10,155 6.79%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 32 $9,330,000 $291,563 $6,411 6.70%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 25 $9,175,000 $367,000 $9,241 6.99%
PANAMA CITY, FL (FHA|USDA|VA) 24 $8,630,000 $359,583 $11,295 6.94%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 28 $8,600,000 $307,143 $8,480 6.97%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 15 $8,345,000 $556,333 $12,686 6.69%
Breckenridge, CO (FHA|USDA|VA) 15 $7,495,000 $499,667 $8,444 7.03%
RALEIGH-CARY, NC (FHA|USDA|VA) 23 $7,325,000 $318,478 $10,708 6.70%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 24 $7,280,000 $303,333 $11,041 6.68%
Edwards, CO (FHA|USDA|VA) 13 $7,255,000 $558,077 $11,345 6.99%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 25 $6,825,000 $273,000 $8,744 6.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 15 $6,735,000 $449,000 $12,859 6.68%
BOULDER, CO (FHA|USDA|VA) 16 $6,570,000 $410,625 $8,188 7.05%
MADISON, WI (FHA|USDA|VA) 18 $6,250,000 $347,222 $5,942 6.78%
RACINE, WI (FHA|USDA|VA) 23 $5,915,000 $257,174 $5,276 6.74%
GREELEY, CO (FHA|USDA|VA) 12 $5,740,000 $478,333 $12,127 6.65%
PUNTA GORDA, FL (FHA|USDA|VA) 21 $5,335,000 $254,048 $9,971 6.96%
LAFAYETTE, LA (FHA|USDA|VA) 22 $5,320,000 $241,818 $6,003 6.34%
JACKSON, TN (FHA|USDA|VA) 27 $5,185,000 $192,037 $8,405 6.51%
Searcy, AR (FHA|USDA|VA) 29 $5,175,000 $178,448 $6,644 6.44%
Oxford, MS (FHA|USDA|VA) 16 $5,070,000 $316,875 $7,224 7.25%
BISMARCK, ND (FHA|USDA|VA) 16 $4,940,000 $308,750 $6,966 7.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 19 $4,895,000 $257,632 $7,798 6.60%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 13 $4,835,000 $371,923 $9,608 6.84%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 17 $4,785,000 $281,471 $8,616 6.67%
OCALA, FL (FHA|USDA|VA) 18 $4,690,000 $260,556 $9,399 6.58%
SALT LAKE CITY, UT (FHA|USDA|VA) 10 $4,690,000 $469,000 $8,073 6.95%
Frankfort, KY (FHA|USDA|VA) 25 $4,625,000 $185,000 $6,759 6.66%
COLORADO SPRINGS, CO (FHA|USDA|VA) 10 $4,580,000 $458,000 $9,815 6.89%
Tupelo, MS (FHA|USDA|VA) 22 $4,510,000 $205,000 $7,392 6.48%
TULSA, OK (FHA|USDA|VA) 13 $4,365,000 $335,769 $11,049 6.73%
SPRINGFIELD, MA (FHA|USDA|VA) 13 $4,165,000 $320,385 $9,073 6.66%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $4,125,000 $589,286 $11,988 6.54%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 10 $4,070,000 $407,000 $9,626 7.04%
DAYTON-KETTERING, OH (FHA|USDA|VA) 19 $4,055,000 $213,421 $7,676 6.90%
PITTSBURGH, PA (FHA|USDA|VA) 21 $3,775,000 $179,762 $8,559 6.56%
Richmond-Berea, KY (FHA|USDA|VA) 14 $3,720,000 $265,714 $8,108 6.84%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $3,645,000 $1,215,000 $26,675 6.83%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 8 $3,460,000 $432,500 $10,437 6.80%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 15 $3,445,000 $229,667 $9,345 6.31%
BEND, OR (FHA|USDA|VA) 6 $3,380,000 $563,333 $8,460 6.96%
Whitewater, WI (FHA|USDA|VA) 10 $3,210,000 $321,000 $5,808 6.66%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 14 $3,090,000 $220,714 $8,135 6.88%
BRUNSWICK, GA (FHA|USDA|VA) 9 $3,025,000 $336,111 $8,438 6.99%
BOWLING GREEN, KY (FHA|USDA|VA) 12 $3,000,000 $250,000 $9,563 6.68%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $2,890,000 $361,250 $9,383 6.88%
Russellville, AR (FHA|USDA|VA) 17 $2,775,000 $163,235 $5,480 6.57%
Danville, VA (FHA|USDA|VA) 17 $2,735,000 $160,882 $7,495 6.55%
OKLAHOMA CITY, OK (FHA|USDA|VA) 11 $2,725,000 $247,727 $7,419 6.49%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $2,630,000 $328,750 $8,242 7.13%
LOUISVILLE, KY (FHA|USDA|VA) 9 $2,575,000 $286,111 $8,091 6.79%
Bozeman, MT (FHA|USDA|VA) 3 $2,495,000 $831,667 $22,857 6.42%
Danville, KY (FHA|USDA|VA) 11 $2,425,000 $220,455 $6,145 6.80%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 7 $2,305,000 $329,286 $7,174 6.95%
Jefferson, GA (FHA|USDA|VA) 7 $2,285,000 $326,429 $5,502 6.73%
Palatka, FL (FHA|USDA|VA) 10 $2,260,000 $226,000 $8,782 6.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 8 $2,170,000 $271,250 $7,550 6.19%
HOT SPRINGS, AR (FHA|USDA|VA) 10 $2,100,000 $210,000 $7,049 6.75%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,980,000 $495,000 $4,132 6.91%
MONTGOMERY, AL (FHA|USDA|VA) 5 $1,805,000 $361,000 $25,348 7.23%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $1,800,000 $300,000 $8,300 7.04%
SALEM, OR (FHA|USDA|VA) 5 $1,785,000 $357,000 $12,214 6.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,780,000 $445,000 $7,547 7.16%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 9 $1,755,000 $195,000 $6,510 6.57%
OWENSBORO, KY (FHA|USDA|VA) 10 $1,740,000 $174,000 $7,290 6.70%
EAST STROUDSBURG, PA (FHA|USDA|VA) 6 $1,730,000 $288,333 $12,768 6.40%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,730,000 $288,333 $9,972 6.75%
SHERMAN-DENISON, TX (FHA|USDA|VA) 5 $1,685,000 $337,000 $12,866 7.63%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,635,000 $327,000 $10,859 6.93%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 5 $1,615,000 $323,000 $10,548 6.70%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 7 $1,615,000 $230,714 $7,973 6.79%
SAVANNAH, GA (FHA|USDA|VA) 5 $1,595,000 $319,000 $6,801 6.18%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,590,000 $795,000 $17,914 6.69%
Sevierville, TN (FHA|USDA|VA) 4 $1,560,000 $390,000 $10,395 6.91%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,530,000 $382,500 $12,855 6.53%
Glenwood Springs, CO (FHA|USDA|VA) 3 $1,495,000 $498,333 $8,466 6.83%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 8 $1,460,000 $182,500 $8,932 6.78%
Vincennes, IN (FHA|USDA|VA) 5 $1,455,000 $291,000 $4,010 6.88%
ST. GEORGE, UT (FHA|USDA|VA) 3 $1,445,000 $481,667 $13,728 6.67%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,445,000 $289,000 $8,181 6.80%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $1,425,000 $285,000 $7,925 6.45%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,425,000 $475,000 $7,367 7.13%
Kalispell, MT (FHA|USDA|VA) 2 $1,380,000 $690,000 $7,255 6.50%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 5 $1,375,000 $275,000 $7,562 6.90%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 4 $1,360,000 $340,000 $10,317 6.03%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $1,345,000 $448,333 $8,157 6.67%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $1,320,000 $220,000 $6,780 7.02%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $1,295,000 $431,667 $6,598 6.42%
BATON ROUGE, LA (FHA|USDA|VA) 3 $1,285,000 $428,333 $11,474 6.83%
Mineral Wells, TX (FHA|USDA|VA) 2 $1,260,000 $630,000 $29,434 7.00%
Torrington, CT (FHA|USDA|VA) 5 $1,255,000 $251,000 $8,650 6.95%
LAREDO, TX (FHA|USDA|VA) 5 $1,245,000 $249,000 $6,117 7.03%
MIDLAND, TX (FHA|USDA|VA) 3 $1,235,000 $411,667 $11,405 6.63%
SPRINGFIELD, MO (FHA|USDA|VA) 4 $1,230,000 $307,500 $5,951 6.66%
SAN ANGELO, TX (FHA|USDA|VA) 3 $1,185,000 $395,000 $14,574 6.83%
GAINESVILLE, FL (FHA|USDA|VA) 4 $1,180,000 $295,000 $9,174 7.16%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $1,180,000 $295,000 $11,069 6.50%
Astoria, OR (FHA|USDA|VA) 2 $1,170,000 $585,000 $0 7.13%
Jasper, IN (FHA|USDA|VA) 5 $1,165,000 $233,000 $8,137 6.55%
GREEN BAY, WI (FHA|USDA|VA) 5 $1,135,000 $227,000 $6,447 7.58%
RICHMOND, VA (FHA|USDA|VA) 2 $1,130,000 $565,000 $15,828 5.50%
DOTHAN, AL (FHA|USDA|VA) 3 $1,125,000 $375,000 $14,640 6.46%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $1,120,000 $560,000 $24,674 5.94%
Beaver Dam, WI (FHA|USDA|VA) 6 $1,120,000 $186,667 $5,183 6.58%
ST. CLOUD, MN (FHA|USDA|VA) 6 $1,120,000 $186,667 $5,918 7.04%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $1,120,000 $280,000 $8,084 6.53%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $1,115,000 $371,667 $3,243 6.50%
BILLINGS, MT (FHA|USDA|VA) 3 $1,105,000 $368,333 $12,187 6.33%
Mount Sterling, KY (FHA|USDA|VA) 6 $1,090,000 $181,667 $6,684 6.52%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $1,080,000 $270,000 $12,084 6.63%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,045,000 $348,333 $15,159 6.75%
SHEBOYGAN, WI (FHA|USDA|VA) 3 $1,035,000 $345,000 $9,840 6.50%
WILMINGTON, NC (FHA|USDA|VA) 3 $1,025,000 $341,667 $10,932 6.63%
ROME, GA (FHA|USDA|VA) 4 $1,020,000 $255,000 $6,908 6.81%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,020,000 $255,000 $7,806 7.00%
MORGANTOWN, WV (FHA|USDA|VA) 5 $1,005,000 $201,000 $6,951 6.60%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $995,000 $199,000 $7,294 6.73%
Jasper, AL (FHA|USDA|VA) 4 $990,000 $247,500 $4,030 6.91%
Concord, NH (FHA|USDA|VA) 2 $990,000 $495,000 $6,592 7.38%
Williston, ND (FHA|USDA|VA) 3 $985,000 $328,333 $10,330 6.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $985,000 $328,333 $12,173 6.46%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $970,000 $485,000 $9,389 5.50%
Dyersburg, TN (FHA|USDA|VA) 4 $970,000 $242,500 $12,179 6.00%
Opelousas, LA (FHA|USDA|VA) 3 $965,000 $321,667 $5,394 6.54%
KNOXVILLE, TN (FHA|USDA|VA) 3 $955,000 $318,333 $8,503 7.13%
Clarksburg, WV (FHA|USDA|VA) 5 $955,000 $191,000 $7,395 6.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $950,000 $237,500 $7,719 6.78%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $945,000 $315,000 $12,339 7.13%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $935,000 $311,667 $9,321 6.13%
BURLINGTON, NC (FHA|USDA|VA) 3 $935,000 $311,667 $9,762 6.54%
St. Marys, GA (FHA|USDA|VA) 3 $905,000 $301,667 $7,909 6.92%
AKRON, OH (FHA|USDA|VA) 3 $905,000 $301,667 $6,144 7.25%
SANTA FE, NM (FHA|USDA|VA) 1 $905,000 $905,000 $8,561 6.38%
THE VILLAGES, FL (FHA|USDA|VA) 4 $900,000 $225,000 $5,877 7.22%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $870,000 $435,000 $9,606 7.44%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $870,000 $435,000 $6,424 6.69%
JONESBORO, AR (FHA|USDA|VA) 7 $865,000 $123,571 $6,163 6.52%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $860,000 $215,000 $10,054 7.38%
Paragould, AR (FHA|USDA|VA) 2 $830,000 $415,000 $7,126 6.69%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $820,000 $205,000 $9,591 6.66%
London, KY (FHA|USDA|VA) 3 $805,000 $268,333 $6,614 6.92%
HAMMOND, LA (FHA|USDA|VA) 3 $805,000 $268,333 $9,213 6.88%
Eufaula, AL-GA (FHA|USDA|VA) 2 $790,000 $395,000 $14,720 6.75%
FRESNO, CA (FHA|USDA|VA) 2 $790,000 $395,000 $6,566 6.19%
Poplar Bluff, MO (FHA|USDA|VA) 2 $790,000 $395,000 $10,174 6.69%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $790,000 $395,000 $3,906 7.00%
ANCHORAGE, AK (FHA|USDA|VA) 1 $785,000 $785,000 $7,272 7.00%
Hutchinson, MN (FHA|USDA|VA) 3 $765,000 $255,000 $8,723 6.50%
Meridian, MS (FHA|USDA|VA) 3 $765,000 $255,000 $8,750 6.75%
Batesville, AR (FHA|USDA|VA) 5 $755,000 $151,000 $6,343 6.58%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $750,000 $187,500 $9,129 6.63%
Outside of Metro Areas 1 $725,000 $725,000 $7,583 6.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 5 $725,000 $145,000 $4,621 6.68%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $725,000 $725,000 $7,518 7.13%
Lebanon, NH-VT (FHA|USDA|VA) 3 $715,000 $238,333 $7,757 6.50%
READING, PA (FHA|USDA|VA) 2 $710,000 $355,000 $5,755 6.19%
WICHITA, KS (FHA|USDA|VA) 4 $680,000 $170,000 $5,869 6.56%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $660,000 $330,000 $12,138 7.50%
Somerset, KY (FHA|USDA|VA) 3 $645,000 $215,000 $6,339 7.13%
HATTIESBURG, MS (FHA|USDA|VA) 4 $640,000 $160,000 $7,830 6.42%
WACO, TX (FHA|USDA|VA) 3 $635,000 $211,667 $9,043 6.79%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $630,000 $315,000 $11,061 6.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $630,000 $315,000 $7,252 6.56%
Scottsboro, AL (FHA|USDA|VA) 1 $625,000 $625,000 $3,903 7.25%
Ogdensburg-Massena, NY (FHA|USDA|VA) 5 $625,000 $125,000 $7,775 6.88%
LYNCHBURG, VA (FHA|USDA|VA) 3 $625,000 $208,333 $5,068 7.38%
PUEBLO, CO (FHA|USDA|VA) 2 $620,000 $310,000 $9,562 6.56%
PINE BLUFF, AR (FHA|USDA|VA) 4 $620,000 $155,000 $5,050 6.53%
PROVO-OREM, UT (FHA|USDA|VA) 2 $620,000 $310,000 $4,738 7.38%
Laurinburg, NC (FHA|USDA|VA) 2 $610,000 $305,000 $7,713 6.75%
Aberdeen, WA (FHA|USDA|VA) 1 $605,000 $605,000 $10,174 7.38%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $600,000 $300,000 $11,540 6.88%
Marquette, MI (FHA|USDA|VA) 1 $595,000 $595,000 $13,039 7.25%
Picayune, MS (FHA|USDA|VA) 4 $590,000 $147,500 $5,981 6.76%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $580,000 $290,000 $12,530 7.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $580,000 $290,000 $10,412 6.75%
SALINAS, CA (FHA|USDA|VA) 1 $575,000 $575,000 $11,209 6.25%
EL PASO, TX (FHA|USDA|VA) 2 $570,000 $285,000 $13,163 6.69%
Waycross, GA (FHA|USDA|VA) 2 $570,000 $285,000 $10,842 6.63%
Zanesville, OH (FHA|USDA|VA) 3 $565,000 $188,333 $7,646 6.33%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $560,000 $280,000 $6,906 6.31%
Lewisburg, TN (FHA|USDA|VA) 2 $560,000 $280,000 $10,887 6.50%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $545,000 $181,667 $6,391 6.96%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $545,000 $545,000 $15,978 5.63%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $540,000 $270,000 $5,323 5.94%
MORRISTOWN, TN (FHA|USDA|VA) 2 $530,000 $265,000 $10,516 7.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $525,000 $175,000 $7,540 7.13%
Plattsburgh, NY (FHA|USDA|VA) 3 $515,000 $171,667 $10,334 6.50%
FOND DU LAC, WI (FHA|USDA|VA) 3 $505,000 $168,333 $4,813 7.04%
COLUMBIA, SC (FHA|USDA|VA) 2 $490,000 $245,000 $4,159 7.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $485,000 $485,000 $9,479 6.25%
TYLER, TX (FHA|USDA|VA) 2 $480,000 $240,000 $11,836 7.00%
Frankfort, IN (FHA|USDA|VA) 2 $480,000 $240,000 $6,083 7.13%
CHARLESTON, WV (FHA|USDA|VA) 5 $475,000 $95,000 $6,050 6.55%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $470,000 $235,000 $6,831 7.13%
Brainerd, MN (FHA|USDA|VA) 2 $470,000 $235,000 $9,259 6.38%
Lufkin, TX (FHA|USDA|VA) 3 $465,000 $155,000 $10,321 6.25%
Mexico, MO (FHA|USDA|VA) 1 $465,000 $465,000 $18,356 6.75%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $460,000 $230,000 $8,111 6.25%
Dayton, TN (FHA|USDA|VA) 2 $460,000 $230,000 $11,638 6.00%
Keene, NH (FHA|USDA|VA) 2 $460,000 $230,000 $5,502 6.88%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $455,000 $151,667 $11,540 7.25%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $450,000 $225,000 $14,279 7.44%
Rexburg, ID (FHA|USDA|VA) 1 $445,000 $445,000 $6,101 6.88%
BELLINGHAM, WA (FHA|USDA|VA) 1 $445,000 $445,000 $6,766 7.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $445,000 $148,333 $4,552 7.54%
Malvern, AR (FHA|USDA|VA) 3 $435,000 $145,000 $7,115 6.79%
SYRACUSE, NY (FHA|USDA|VA) 3 $435,000 $145,000 $7,931 7.04%
Corinth, MS (FHA|USDA|VA) 3 $435,000 $145,000 $6,453 6.42%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $430,000 $215,000 $11,059 6.19%
FAIRBANKS, AK (FHA|USDA|VA) 1 $425,000 $425,000 $20,392 6.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 3 $425,000 $141,667 $8,327 6.42%
Kinston, NC (FHA|USDA|VA) 3 $425,000 $141,667 $5,003 7.04%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $425,000 $425,000 $15,856 6.25%
Port Angeles, WA (FHA|USDA|VA) 1 $425,000 $425,000 $7,145 7.63%
UTICA-ROME, NY (FHA|USDA|VA) 3 $415,000 $138,333 $8,826 6.63%
LINCOLN, NE (FHA|USDA|VA) 1 $415,000 $415,000 $14,824 5.63%
Shelton, WA (FHA|USDA|VA) 1 $405,000 $405,000 $0 7.38%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $17,709 7.25%
Bedford, IN (FHA|USDA|VA) 1 $405,000 $405,000 $21,472 6.63%
MUNCIE, IN (FHA|USDA|VA) 3 $405,000 $135,000 $5,373 6.79%
Brenham, TX (FHA|USDA|VA) 1 $405,000 $405,000 $5,542 6.25%
Red Wing, MN (FHA|USDA|VA) 2 $400,000 $200,000 $6,333 6.69%
GREENVILLE, NC (FHA|USDA|VA) 2 $400,000 $200,000 $10,262 6.19%
LUBBOCK, TX (FHA|USDA|VA) 2 $390,000 $195,000 $6,329 6.63%
Magnolia, AR (FHA|USDA|VA) 2 $390,000 $195,000 $8,829 6.63%
Brookings, OR (FHA|USDA|VA) 1 $385,000 $385,000 $6,020 6.38%
Vernal, UT (FHA|USDA|VA) 1 $385,000 $385,000 $16,186 6.63%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $375,000 $125,000 $7,060 6.75%
Kerrville, TX (FHA|USDA|VA) 1 $375,000 $375,000 $4,933 6.50%
GOLDSBORO, NC (FHA|USDA|VA) 2 $370,000 $185,000 $8,456 6.88%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $365,000 $365,000 $14,542 6.25%
RAPID CITY, SD (FHA|USDA|VA) 1 $365,000 $365,000 $16,459 6.25%
ODESSA, TX (FHA|USDA|VA) 2 $360,000 $180,000 $8,672 7.19%
LOGAN, UT-ID (FHA|USDA|VA) 1 $355,000 $355,000 $3,930 6.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $345,000 $345,000 $13,602 6.38%
Coshocton, OH (FHA|USDA|VA) 1 $345,000 $345,000 $13,418 7.25%
Sonora, CA (FHA|USDA|VA) 1 $345,000 $345,000 $12,749 7.63%
Mountain Home, ID (FHA|USDA|VA) 1 $345,000 $345,000 $19,887 6.13%
ROCHESTER, NY (FHA|USDA|VA) 3 $345,000 $115,000 $6,847 7.04%
Somerset, PA (FHA|USDA|VA) 2 $340,000 $170,000 $10,015 6.44%
Starkville, MS (FHA|USDA|VA) 2 $340,000 $170,000 $7,332 5.94%
Mayfield, KY (FHA|USDA|VA) 2 $340,000 $170,000 $8,500 6.88%
Mountain Home, AR (FHA|USDA|VA) 2 $340,000 $170,000 $6,078 5.50%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $335,000 $335,000 $13,996 6.13%
GLENS FALLS, NY (FHA|USDA|VA) 2 $330,000 $165,000 $5,871 6.94%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,758 6.50%
FORT WAYNE, IN (FHA|USDA|VA) 1 $325,000 $325,000 $12,378 5.75%
Big Rapids, MI (FHA|USDA|VA) 1 $325,000 $325,000 $10,042 7.00%
Gloversville, NY (FHA|USDA|VA) 2 $320,000 $160,000 $6,932 7.13%
Indianola, MS (FHA|USDA|VA) 2 $320,000 $160,000 $8,104 6.38%
Ozark, AL (FHA|USDA|VA) 1 $315,000 $315,000 $3,018 6.75%
McAlester, OK (FHA|USDA|VA) 2 $310,000 $155,000 $8,040 6.19%
Blytheville, AR (FHA|USDA|VA) 2 $310,000 $155,000 $6,547 6.25%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $305,000 $305,000 $10,612 7.25%
Greenville, MS (FHA|USDA|VA) 1 $305,000 $305,000 $4,592 6.75%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $305,000 $305,000 $16,225 6.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.75%
COLUMBUS, IN (FHA|USDA|VA) 2 $300,000 $150,000 $8,187 6.44%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $300,000 $150,000 $5,911 7.06%
Marinette, WI-MI (FHA|USDA|VA) 2 $300,000 $150,000 $3,744 7.25%
Bellefontaine, OH (FHA|USDA|VA) 1 $295,000 $295,000 $17,402 6.25%
Warrensburg, MO (FHA|USDA|VA) 1 $295,000 $295,000 $8,821 6.25%
GAINESVILLE, GA (FHA|USDA|VA) 1 $295,000 $295,000 $4,593 6.13%
Laurel, MS (FHA|USDA|VA) 1 $295,000 $295,000 $6,946 7.25%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $295,000 $295,000 $17,032 6.75%
FLORENCE, SC (FHA|USDA|VA) 2 $290,000 $145,000 $6,976 6.44%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $285,000 $285,000 $11,875 6.88%
Owatonna, MN (FHA|USDA|VA) 1 $285,000 $285,000 $12,887 7.13%
Clovis, NM (FHA|USDA|VA) 1 $285,000 $285,000 $12,210 6.25%
Pottsville, PA (FHA|USDA|VA) 3 $285,000 $95,000 $7,839 6.46%
Salem, OH (FHA|USDA|VA) 2 $280,000 $140,000 $6,005 6.69%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $280,000 $140,000 $6,965 6.88%
Cullman, AL (FHA|USDA|VA) 2 $280,000 $140,000 $5,642 7.75%
Madisonville, KY (FHA|USDA|VA) 2 $280,000 $140,000 $7,889 7.00%
SPARTANBURG, SC (FHA|USDA|VA) 1 $275,000 $275,000 $10,202 7.25%
Payson, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $2,615 7.50%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $275,000 $275,000 $4,777 6.88%
Nacogdoches, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,686 7.00%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $0 7.63%
Albertville, AL (FHA|USDA|VA) 1 $275,000 $275,000 $6,746 7.63%
Lake City, FL (FHA|USDA|VA) 1 $275,000 $275,000 $17,422 6.75%
MANSFIELD, OH (FHA|USDA|VA) 2 $270,000 $135,000 $6,745 6.81%
Warren, PA (FHA|USDA|VA) 1 $265,000 $265,000 $8,872 6.88%
Laconia, NH (FHA|USDA|VA) 1 $265,000 $265,000 $4,000 7.63%
Ada, OK (FHA|USDA|VA) 1 $265,000 $265,000 $10,788 6.88%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $265,000 $265,000 $5,439 7.00%
Taos, NM (FHA|USDA|VA) 1 $265,000 $265,000 $8,702 6.00%
HARRISONBURG, VA (FHA|USDA|VA) 1 $265,000 $265,000 $10,966 5.50%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $265,000 $265,000 $5,787 6.63%
Forest City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 6.75%
New Castle, PA (FHA|USDA|VA) 2 $260,000 $130,000 $5,442 6.56%
Cleveland, MS (FHA|USDA|VA) 2 $260,000 $130,000 $3,785 7.06%
Fort Morgan, CO (FHA|USDA|VA) 1 $255,000 $255,000 $11,286 6.75%
Georgetown, SC (FHA|USDA|VA) 1 $255,000 $255,000 $4,467 6.75%
Martin, TN (FHA|USDA|VA) 1 $255,000 $255,000 $10,730 6.75%
Minot, ND (FHA|USDA|VA) 1 $255,000 $255,000 $7,375 6.75%
Albemarle, NC (FHA|USDA|VA) 1 $255,000 $255,000 $10,432 6.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,812 7.25%
Meadville, PA (FHA|USDA|VA) 2 $250,000 $125,000 $7,543 6.50%
Clearlake, CA (FHA|USDA|VA) 1 $245,000 $245,000 $13,441 6.00%
Harrison, AR (FHA|USDA|VA) 1 $245,000 $245,000 $8,435 7.13%
Moultrie, GA (FHA|USDA|VA) 1 $245,000 $245,000 $13,987 6.63%
Greenwood, MS (FHA|USDA|VA) 2 $240,000 $120,000 $5,975 7.13%
JOHNSTOWN, PA (FHA|USDA|VA) 4 $240,000 $60,000 $4,446 6.84%
Gallup, NM (FHA|USDA|VA) 1 $235,000 $235,000 $12,217 5.75%
Centralia, IL (FHA|USDA|VA) 1 $235,000 $235,000 $2,405 6.75%
Washington Court House, OH (FHA|USDA|VA) 1 $235,000 $235,000 $4,855 7.50%
HINESVILLE, GA (FHA|USDA|VA) 1 $235,000 $235,000 $10,974 6.25%
Vicksburg, MS (FHA|USDA|VA) 1 $235,000 $235,000 $13,912 6.63%
ROANOKE, VA (FHA|USDA|VA) 2 $230,000 $115,000 $4,190 7.31%
Rockingham, NC (FHA|USDA|VA) 2 $230,000 $115,000 $4,251 6.38%
APPLETON, WI (FHA|USDA|VA) 1 $225,000 $225,000 $6,240 7.75%
LAWTON, OK (FHA|USDA|VA) 1 $225,000 $225,000 $10,527 6.75%
Branson, MO (FHA|USDA|VA) 1 $225,000 $225,000 $6,782 7.50%
FARGO, ND-MN (FHA|USDA|VA) 1 $225,000 $225,000 $7,612 6.13%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $225,000 $225,000 $680 6.13%
COLUMBIA, MO (FHA|USDA|VA) 1 $225,000 $225,000 $3,616 6.88%
Lawrenceburg, TN (FHA|USDA|VA) 1 $215,000 $215,000 $6,008 6.75%
North Wilkesboro, NC (FHA|USDA|VA) 1 $215,000 $215,000 $5,194 7.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $215,000 $215,000 $6,374 8.00%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $205,000 $205,000 $4,250 6.50%
Sidney, OH (FHA|USDA|VA) 1 $205,000 $205,000 $8,874 7.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $205,000 $205,000 $3,889 7.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $205,000 $205,000 $8,919 6.25%
Athens, TN (FHA|USDA|VA) 1 $205,000 $205,000 $9,910 6.63%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.50%
Cedartown, GA (FHA|USDA|VA) 1 $205,000 $205,000 $10,075 6.25%
Logansport, IN (FHA|USDA|VA) 1 $205,000 $205,000 $11,912 5.63%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $205,000 $205,000 $5,267 7.50%
Huntingdon, PA (FHA|USDA|VA) 1 $205,000 $205,000 $10,566 6.75%
Plainview, TX (FHA|USDA|VA) 1 $205,000 $205,000 $6,535 7.63%
TUCSON, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $5,629 7.25%
Cookeville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $8,308 6.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $195,000 $195,000 $12,616 6.50%
El Dorado, AR (FHA|USDA|VA) 1 $195,000 $195,000 $2,577 6.63%
Alamogordo, NM (FHA|USDA|VA) 1 $195,000 $195,000 $6,066 5.75%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $190,000 $95,000 $4,869 6.81%
TOPEKA, KS (FHA|USDA|VA) 2 $190,000 $95,000 $4,809 7.13%
Toccoa, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.38%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $185,000 $185,000 $4,449 6.50%
Gaffney, SC (FHA|USDA|VA) 1 $185,000 $185,000 $5,637 6.25%
MONROE, LA (FHA|USDA|VA) 1 $185,000 $185,000 $7,585 6.25%
Quincy, IL-MO (FHA|USDA|VA) 1 $185,000 $185,000 $11,100 6.25%
Natchitoches, LA (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.75%
Wooster, OH (FHA|USDA|VA) 1 $185,000 $185,000 $14,036 6.75%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $180,000 $90,000 $5,302 6.56%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 2 $180,000 $90,000 $5,180 6.94%
Summerville, GA (FHA|USDA|VA) 1 $175,000 $175,000 $8,436 6.25%
Minden, LA (FHA|USDA|VA) 1 $175,000 $175,000 $9,410 6.25%
St. Marys, PA (FHA|USDA|VA) 1 $175,000 $175,000 $6,207 6.75%
Hobbs, NM (FHA|USDA|VA) 1 $175,000 $175,000 $7,914 6.63%
Okeechobee, FL (FHA|USDA|VA) 1 $175,000 $175,000 $6,526 7.50%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $175,000 $175,000 $10,781 6.25%
Huntington, IN (FHA|USDA|VA) 1 $175,000 $175,000 $4,051 6.00%
TOLEDO, OH (FHA|USDA|VA) 1 $175,000 $175,000 $9,620 6.13%
Seymour, IN (FHA|USDA|VA) 1 $175,000 $175,000 $5,722 5.25%
Altus, OK (FHA|USDA|VA) 1 $175,000 $175,000 $4,847 6.63%
Portsmouth, OH (FHA|USDA|VA) 2 $170,000 $85,000 $5,956 5.81%
ABILENE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.00%
Cornelia, GA (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.50%
Marion, OH (FHA|USDA|VA) 1 $165,000 $165,000 $8,271 6.75%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $165,000 $165,000 $8,354 7.38%
KINGSTON, NY (FHA|USDA|VA) 1 $165,000 $165,000 $7,645 6.63%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $165,000 $165,000 $7,051 6.13%
Fairmont, WV (FHA|USDA|VA) 1 $165,000 $165,000 $8,117 6.50%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $155,000 $155,000 $8,484 7.00%
Shawnee, OK (FHA|USDA|VA) 1 $155,000 $155,000 $9,010 6.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,597 6.63%
Coos Bay, OR (FHA|USDA|VA) 1 $155,000 $155,000 $4,465 6.63%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,930 6.75%
BINGHAMTON, NY (FHA|USDA|VA) 1 $155,000 $155,000 $8,144 7.25%
MONROE, MI (FHA|USDA|VA) 1 $155,000 $155,000 $5,804 6.25%
Duncan, OK (FHA|USDA|VA) 1 $155,000 $155,000 $8,289 7.63%
Pahrump, NV (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.38%
Weatherford, OK (FHA|USDA|VA) 1 $145,000 $145,000 $7,094 6.75%
Sikeston, MO (FHA|USDA|VA) 1 $145,000 $145,000 $6,896 5.75%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,845 6.50%
NEW BERN, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $145,000 $145,000 $10,537 5.63%
Price, UT (FHA|USDA|VA) 1 $145,000 $145,000 $6,186 6.25%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $145,000 $145,000 $7,389 6.25%
Athens, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,408 6.88%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $140,000 $70,000 $5,763 7.50%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,523 5.75%
Henderson, NC (FHA|USDA|VA) 1 $135,000 $135,000 $5,363 7.50%
DUBUQUE, IA (FHA|USDA|VA) 1 $135,000 $135,000 $9,717 5.63%
Statesboro, GA (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.25%
Decatur, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,839 7.63%
Campbellsville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $9,158 6.63%
KOKOMO, IN (FHA|USDA|VA) 1 $135,000 $135,000 $9,893 6.75%
Adrian, MI (FHA|USDA|VA) 1 $135,000 $135,000 $6,142 7.63%
Cullowhee, NC (FHA|USDA|VA) 1 $135,000 $135,000 $8,059 7.00%
Jamestown, ND (FHA|USDA|VA) 1 $135,000 $135,000 $4,165 7.50%
McComb, MS (FHA|USDA|VA) 1 $135,000 $135,000 $6,857 6.25%
Ottawa, IL (FHA|USDA|VA) 2 $130,000 $65,000 $4,301 6.38%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $125,000 $125,000 $7,560 6.50%
Amsterdam, NY (FHA|USDA|VA) 1 $125,000 $125,000 $7,824 6.63%
Cambridge, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,849 6.13%
GADSDEN, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.00%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,872 5.50%
Greenville, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,894 6.63%
Olean, NY (FHA|USDA|VA) 1 $115,000 $115,000 $9,331 6.25%
KANKAKEE, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,608 5.88%
Natchez, MS-LA (FHA|USDA|VA) 1 $115,000 $115,000 $7,475 6.63%
ERIE, PA (FHA|USDA|VA) 1 $105,000 $105,000 $7,199 5.75%
Warsaw, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,417 5.75%
AMARILLO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.13%
Findlay, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.63%
Martinsville, VA (FHA|USDA|VA) 1 $105,000 $105,000 $7,254 6.25%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,293 7.75%
Enterprise, AL (FHA|USDA|VA) 1 $105,000 $105,000 $4,969 6.38%
Dublin, GA (FHA|USDA|VA) 1 $95,000 $95,000 $3,913 7.63%
Richmond, IN (FHA|USDA|VA) 1 $95,000 $95,000 $4,095 7.63%
Escanaba, MI (FHA|USDA|VA) 1 $95,000 $95,000 $4,883 6.75%
Kirksville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $5,432 6.25%
Auburn, NY (FHA|USDA|VA) 1 $85,000 $85,000 $8,138 6.13%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $85,000 $85,000 $6,587 6.75%
Sayre, PA (FHA|USDA|VA) 1 $75,000 $75,000 $4,504 6.75%
DuBois, PA (FHA|USDA|VA) 1 $75,000 $75,000 $7,126 6.75%
MIDLAND, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.38%
Norfolk, NE (FHA|USDA|VA) 1 $65,000 $65,000 $1,104 6.75%
Chillicothe, OH (FHA|USDA|VA) 1 $65,000 $65,000 $3,817 7.25%
Clinton, IA (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.13%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $65,000 $65,000 $3,027 6.88%
ELMIRA, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.50%
Hope, AR (FHA|USDA|VA) 1 $55,000 $55,000 $5,134 7.38%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $3,502 6.63%
Bank Of England's top markets include Jacksonville, Milwaukee, Little Rock, Denver, and Orlando among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,078 $1,293,390,000 $317,163 $6,623 6.89%
    FHA 1,823 $488,865,000 $268,165 $11,169 6.56%
    VA 608 $224,230,000 $368,799 $10,867 6.34%
    USDA 228 $39,510,000 $173,289 $7,204 6.35%

    For 2023, Bank Of England's most frequently originated type of loan was Conventional, with 4,078 originations. Their 2nd most popular type was FHA, with 1,823 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,279 $1,916,035,000 $305,150 $8,280 6.72%
    Cash Out Refi 335 $93,145,000 $278,045 $9,616 6.91%
    Refi 110 $35,940,000 $326,727 $8,747 6.83%
    Home Improvement 9 $415,000 $46,111 $1,133 9.33%
    Other 4 $460,000 $115,000 $2,745 9.50%

    For 2023, Bank Of England's most frequently cited loan purpose was Home Purchase, with 6,279 originations. The 2nd most popular reason was Cash Out Refi, with 335 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,635 $2,021,595,000 $304,687 $8,372 6.73%
    15 Year 75 $19,395,000 $258,600 $6,330 6.29%
    20 Year 13 $2,915,000 $224,231 $4,571 7.74%
    10 Year 5 $925,000 $185,000 $964 8.73%
    1 Year 3 $515,000 $171,667 $4,318 8.75%
    5 Year 3 $85,000 $28,333 $590 9.25%
    Other 3 $565,000 $188,333 $3,585 8.75%

    For 2023, Bank Of England's most frequently cited loan duration was 30 Year, with 6,635 originations. The 2nd most popular length was 15 Year, with 75 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,868 $590,940,000 $316,349
    $5k+ 1,451 $575,885,000 $396,888
    $2k-3k 930 $227,410,000 $244,527
    $3k-4k 839 $200,855,000 $239,398
    $<1k 703 $203,065,000 $288,855
    $4k-5k 626 $171,870,000 $274,553

    Bank Of England's average total fees were $8,372, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,868 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 3,631 $1,093,065,000 $301,037
    7-8% 2,022 $616,030,000 $304,664
    5-6% 917 $290,535,000 $316,832
    Over 8% 124 $30,860,000 $248,871
    4-5% 43 $15,505,000 $360,581

    During 2023, Bank Of England's average interest rate for loans was 6.73%, while their most frequently originated rate bucket for loans was 6-7%, with 3,631 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,404 $974,870,000 $286,390 $8,341 6.71%
    $100k-200k 1,590 $248,880,000 $156,528 $6,173 6.77%
    $400k-600k 1,102 $525,500,000 $476,860 $10,590 6.69%
    $600k-1MM 360 $250,440,000 $695,667 $12,001 6.75%
    $100,000 or less 262 $19,910,000 $75,992 $4,541 6.97%
    $1MM+ 19 $26,395,000 $1,389,211 $25,609 6.97%

    2023 saw Bank Of England place emphasis on $200k-400k loans with 3,404 originations, totaling $974,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,664 $560,130,000 $336,617 $9,005 6.78%
    $50k-75k 1,577 $332,865,000 $211,075 $7,449 6.63%
    $75k-100k 1,354 $369,860,000 $273,161 $8,459 6.68%
    $150k-250k 1,080 $463,920,000 $429,556 $9,269 6.89%
    $50k or less 595 $81,175,000 $136,429 $5,971 6.61%
    $250k+ 422 $224,440,000 $531,848 $10,324 6.92%

    Bank Of England lent most frequently to those with incomes in the $100k-150k range, with 1,664 originations. The second most popular income band? $50k-75k, with 1,577 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 982 $281,810,000 $286,976 $7,263 6.75%
    20-30% 742 $208,860,000 $281,482 $6,472 6.75%
    50-60% 632 $207,600,000 $328,481 $12,071 6.46%
    49% 508 $161,350,000 $317,618 $8,949 6.71%
    44% 377 $114,755,000 $304,390 $8,378 6.76%
    48% 358 $111,440,000 $311,285 $8,886 6.77%
    45% 321 $102,285,000 $318,645 $8,568 6.75%
    42% 316 $99,640,000 $315,316 $8,355 6.75%
    41% 299 $96,395,000 $322,391 $8,422 6.76%
    43% 282 $83,830,000 $297,270 $8,112 6.78%
    46% 281 $87,575,000 $311,655 $9,373 6.79%
    47% 273 $81,775,000 $299,542 $8,356 6.69%
    40% 263 $81,195,000 $308,726 $8,377 6.82%
    38% 239 $69,995,000 $292,866 $7,449 6.76%
    39% 231 $71,385,000 $309,026 $8,472 6.74%
    37% 222 $66,890,000 $301,306 $7,744 6.81%
    36% 207 $58,565,000 $282,923 $7,044 6.74%
    <20% 183 $54,215,000 $296,257 $6,103 6.89%
    >60% 12 $4,590,000 $382,500 $11,320 6.53%

    Bank Of England lent most frequently to those with DTI ratios of 30-36%, with 982 originations. The next most common DTI ratio? 20-30%, with 742 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,075 $1,532,785,000 $302,027 $8,033 6.75%
    Not provided 829 $252,555,000 $304,650 $8,735 6.72%
    Black 563 $158,475,000 $281,483 $10,052 6.63%
    Asian 185 $69,645,000 $376,459 $8,991 6.74%
    Asian Indian 26 $12,070,000 $464,231 $8,722 6.83%
    American Indian 35 $10,625,000 $303,571 $9,757 6.68%
    Other Asian 7 $3,605,000 $515,000 $8,611 6.54%
    Native Hawaiian or Islander 7 $2,585,000 $369,286 $10,457 6.39%
    Filipino 4 $1,570,000 $392,500 $15,783 5.97%
    Not applicable 4 $1,450,000 $362,500 $0 9.38%
    Other Pacific Islander 2 $630,000 $315,000 $13,203 6.69%

    Approval Rates

    Total approvals of all applications
    96.24%

    Bank Of England has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    67.40%

    Bank Of England 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 6,737 $2,045,995,000 $303,695

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,737 $2,045,995,000 $303,695

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 131 $24,665,000 $188,282 $5,348 6.75%
    40-60% 363 $101,165,000 $278,691 $6,338 6.81%
    60-80% 1,346 $433,620,000 $322,155 $7,500 6.91%
    80-100% 4,705 $1,422,315,000 $302,299 $8,524 6.69%
    Over 100% 161 $61,015,000 $378,975 $15,952 6.27%
    Under 20% 31 $3,215,000 $103,710 $3,644 7.69%