Caliber Home Loans Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 549300J7XKT2BI5WX213
Tax ID: 13-6131491
2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Caliber Home Loans is a large mortgage company specializing in Refi and Home Purchase loans. Caliber Home Loans 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 include Seattle, Washington, Portland, San Diego, and Denver among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Caliber Home Loans is typically an average fee lendor.Originations
228,633Origination Dollar Volume (All Markets)
$70,600,845,000Relative Rate
Caliber Home Loans 's average 30 year fixed rate mortgage was
3.25%.
The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.
This yields a difference of -0.11%.
Relative Fees
Caliber Home Loans 's average total fees for a 30 year fixed rate
mortgage are $5,400.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $5,021.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 158,762 | $50,533,460,000 | $318,297 | $4,412 | 3.25% |
| FHA | 39,311 | $9,875,225,000 | $251,208 | $8,015 | 3.17% |
| VA | 28,054 | $9,708,420,000 | $346,062 | $6,015 | 2.88% |
| USDA | 2,506 | $483,740,000 | $193,033 | $5,566 | 3.19% |
For the 2020 period, Caliber Home Loans 's most frequently originated loan type was Conventional, with 158,762 originations. Their 2nd most popular type is FHA, with 39,311 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 103,635 | $32,197,495,000 | $310,682 | $4,169 | 3.09% |
| Home Purchase | 102,625 | $31,619,555,000 | $308,108 | $6,326 | 3.23% |
| Cash Out Refi | 22,250 | $6,763,730,000 | $303,988 | $5,391 | 3.45% |
| Other | 123 | $20,065,000 | $163,130 | $68 | 4.69% |
For the 2020, Caliber Home Loans 's most frequently cited loan purpose was Refi, with 103,635 originations. The 2nd most popular reason was Home Purchase, with 102,625 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 204,113 | $64,251,445,000 | $314,784 | $5,422 | 3.22% |
| 15 Year | 14,681 | $3,632,795,000 | $247,449 | $3,744 | 2.83% |
| Other | 5,260 | $1,535,170,000 | $291,857 | $3,943 | 3.15% |
| 20 Year | 4,089 | $1,099,965,000 | $269,006 | $3,998 | 3.14% |
| 10 Year | 452 | $75,430,000 | $166,881 | $3,133 | 3.03% |
| 30+ year | 37 | $5,995,000 | $162,027 | $0 | 3.86% |
| 3 Year | 1 | $45,000 | $45,000 | $0 | 4.50% |
For the 2020, Caliber Home Loans 's most frequently cited loan length was 30 Year, with 204,113 originations. The 2nd most popular length was 15 Year, with 14,681 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 96,831 | $31,189,155,000 | $322,099 |
| $<1k | 64,721 | $18,024,895,000 | $278,501 |
| $3k-4k | 24,864 | $7,435,330,000 | $299,040 |
| $2k-3k | 21,889 | $5,887,385,000 | $268,965 |
| $5k+ | 18,005 | $7,604,185,000 | $422,337 |
$5,400 was Caliber Home Loans 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 96,831 originations.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SEATTLE-BELLEVUE-KENT, WA | 16,683 | $7,620,535,000 | $456,784 | $4,791 | 3.15% |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 7,666 | $3,379,950,000 | $440,901 | $6,415 | 3.06% |
| Outside of Metro Areas | 14,295 | $3,369,675,000 | $235,724 | $4,799 | 3.22% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 5,900 | $2,046,110,000 | $346,798 | $4,808 | 3.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | 3,625 | $1,753,325,000 | $483,676 | $6,787 | 3.14% |
| DENVER-AURORA-LAKEWOOD, CO | 4,875 | $1,739,175,000 | $356,754 | $4,412 | 3.19% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 6,377 | $1,644,525,000 | $257,884 | $6,263 | 3.24% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 3,281 | $1,558,925,000 | $475,137 | $6,589 | 3.28% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 6,516 | $1,426,840,000 | $218,975 | $3,425 | 3.28% |
| CHICAGO-NAPERVILLE-EVANSTON, IL | 5,397 | $1,389,965,000 | $257,544 | $4,426 | 3.19% |
| OAKLAND-BERKELEY-LIVERMORE, CA | 2,722 | $1,344,520,000 | $493,946 | $5,325 | 3.22% |
| MIAMI-MIAMI BEACH-KENDALL, FL | 3,825 | $1,198,895,000 | $313,437 | $7,110 | 3.27% |
| PHOENIX-MESA-CHANDLER, AZ | 4,322 | $1,195,620,000 | $276,636 | $4,759 | 3.27% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 3,106 | $1,053,710,000 | $339,250 | $6,117 | 3.20% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | 2,851 | $1,028,095,000 | $360,609 | $5,416 | 3.16% |
| BALTIMORE-COLUMBIA-TOWSON, MD | 3,009 | $991,735,000 | $329,590 | $5,501 | 3.11% |
| DALLAS-PLANO-IRVING, TX | 3,376 | $983,830,000 | $291,419 | $6,232 | 3.20% |
| TACOMA-LAKEWOOD, WA | 2,639 | $961,325,000 | $364,276 | $5,430 | 3.15% |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 2,093 | $928,135,000 | $443,447 | $8,922 | 3.23% |
| WARREN-TROY-FARMINGTON HILLS, MI | 3,772 | $860,790,000 | $228,205 | $3,546 | 3.21% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL | 2,720 | $801,600,000 | $294,706 | $6,841 | 3.21% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD | 1,885 | $791,975,000 | $420,146 | $6,060 | 3.07% |
| ORLANDO-KISSIMMEE-SANFORD, FL | 2,907 | $759,875,000 | $261,395 | $6,612 | 3.22% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 2,432 | $738,590,000 | $303,697 | $5,999 | 2.97% |
| VALLEJO, CA | 1,872 | $717,950,000 | $383,520 | $5,648 | 3.14% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 2,848 | $700,790,000 | $246,064 | $5,804 | 3.22% |
| ANAHEIM-SANTA ANA-IRVINE, CA | 1,361 | $693,805,000 | $509,776 | $6,346 | 3.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 2,658 | $673,770,000 | $253,488 | $5,111 | 3.23% |
| NEW BRUNSWICK-LAKEWOOD, NJ | 1,949 | $669,345,000 | $343,430 | $5,416 | 3.16% |
| SALT LAKE CITY, UT | 2,035 | $652,845,000 | $320,808 | $5,329 | 3.23% |
| NEWARK, NJ-PA | 1,681 | $607,675,000 | $361,496 | $6,224 | 3.14% |
| BELLINGHAM, WA | 1,621 | $536,715,000 | $331,101 | $4,921 | 3.16% |
| COLORADO SPRINGS, CO | 1,730 | $523,710,000 | $302,723 | $5,090 | 3.08% |
| URBAN HONOLULU, HI | 986 | $517,320,000 | $524,665 | $6,517 | 3.23% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 1,732 | $514,200,000 | $296,882 | $5,545 | 3.18% |
| SAN ANTONIO-NEW BRAUNFELS, TX | 1,886 | $495,410,000 | $262,678 | $5,557 | 3.20% |
| SANTA ROSA-PETALUMA, CA | 1,029 | $447,375,000 | $434,767 | $4,900 | 3.13% |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 1,024 | $433,230,000 | $423,076 | $9,841 | 3.17% |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 1,425 | $399,365,000 | $280,256 | $6,337 | 3.21% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 1,501 | $395,355,000 | $263,394 | $4,572 | 3.16% |
| CINCINNATI, OH-KY-IN | 1,927 | $382,275,000 | $198,378 | $4,311 | 3.23% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 722 | $370,420,000 | $513,047 | $5,043 | 3.27% |
| SALEM, OR | 1,189 | $350,425,000 | $294,722 | $5,094 | 3.18% |
| PROVO-OREM, UT | 1,077 | $343,365,000 | $318,816 | $5,335 | 3.20% |
| JACKSONVILLE, FL | 1,342 | $336,130,000 | $250,469 | $5,831 | 3.21% |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 564 | $327,090,000 | $579,947 | $5,374 | 3.27% |
| OGDEN-CLEARFIELD, UT | 1,059 | $324,785,000 | $306,690 | $5,143 | 3.21% |
| NORTH PORT-SARASOTA-BRADENTON, FL | 1,199 | $314,305,000 | $262,139 | $6,206 | 3.18% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX | 1,271 | $309,155,000 | $243,238 | $5,431 | 3.20% |
| LAS VEGAS-HENDERSON-PARADISE, NV | 1,074 | $301,320,000 | $280,559 | $5,307 | 3.29% |
| BEND, OR | 875 | $292,555,000 | $334,349 | $4,647 | 3.16% |
| ANCHORAGE, AK | 883 | $287,785,000 | $325,917 | $5,864 | 3.11% |
| BOSTON, MA | 713 | $282,235,000 | $395,842 | $6,870 | 3.23% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 1,155 | $277,985,000 | $240,680 | $5,535 | 3.24% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA | 754 | $263,490,000 | $349,456 | $5,400 | 3.13% |
| FORT COLLINS, CO | 799 | $260,955,000 | $326,602 | $3,764 | 3.16% |
| DETROIT-DEARBORN-LIVONIA, MI | 1,378 | $256,570,000 | $186,190 | $3,641 | 3.26% |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 626 | $248,580,000 | $397,093 | $5,524 | 3.14% |
| CHICO, CA | 834 | $247,290,000 | $296,511 | $4,409 | 3.21% |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 526 | $245,820,000 | $467,338 | $6,436 | 3.20% |
| COLUMBUS, OH | 1,118 | $245,570,000 | $219,651 | $5,498 | 3.20% |
| GREELEY, CO | 790 | $244,370,000 | $309,329 | $4,381 | 3.17% |
| CAMDEN, NJ | 983 | $243,235,000 | $247,442 | $5,307 | 3.17% |
| OLYMPIA-LACEY-TUMWATER, WA | 723 | $229,615,000 | $317,586 | $5,207 | 3.10% |
| SAN LUIS OBISPO-PASO ROBLES, CA | 526 | $227,050,000 | $431,654 | $5,197 | 3.22% |
| SPOKANE-SPOKANE VALLEY, WA | 829 | $225,635,000 | $272,177 | $4,770 | 3.20% |
| ELGIN, IL | 968 | $224,500,000 | $231,921 | $4,340 | 3.14% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 830 | $223,340,000 | $269,084 | $4,928 | 3.18% |
| MEDFORD, OR | 749 | $222,235,000 | $296,709 | $5,027 | 3.14% |
| PROVIDENCE-WARWICK, RI-MA | 787 | $211,475,000 | $268,710 | $5,824 | 3.21% |
| BOULDER, CO | 539 | $207,685,000 | $385,315 | $3,935 | 3.29% |
| RICHMOND, VA | 743 | $206,235,000 | $277,571 | $4,479 | 3.05% |
| SANTA MARIA-SANTA BARBARA, CA | 464 | $205,210,000 | $442,263 | $5,402 | 3.20% |
| LAKELAND-WINTER HAVEN, FL | 957 | $203,955,000 | $213,119 | $6,433 | 3.29% |
| BOISE CITY, ID | 710 | $201,510,000 | $283,817 | $4,850 | 3.14% |
| RENO, NV | 623 | $199,955,000 | $320,955 | $4,269 | 3.23% |
| YAKIMA, WA | 728 | $192,000,000 | $263,736 | $4,907 | 3.18% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 772 | $191,750,000 | $248,381 | $4,029 | 3.15% |
| ST. LOUIS, MO-IL | 879 | $185,475,000 | $211,007 | $3,744 | 3.21% |
| CHATTANOOGA, TN-GA | 835 | $183,765,000 | $220,078 | $4,583 | 3.23% |
| STOCKTON, CA | 506 | $183,350,000 | $362,352 | $5,417 | 3.17% |
| BAKERSFIELD, CA | 708 | $182,810,000 | $258,206 | $5,424 | 3.14% |
| PEORIA, IL | 1,155 | $180,835,000 | $156,567 | $3,410 | 3.21% |
| WENATCHEE, WA | 572 | $180,720,000 | $315,944 | $4,546 | 3.26% |
| PORTLAND-SOUTH PORTLAND, ME | 605 | $178,805,000 | $295,545 | $4,064 | 3.12% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 622 | $176,850,000 | $284,325 | $6,464 | 3.13% |
| SALISBURY, MD-DE | 639 | $175,895,000 | $275,266 | $5,120 | 3.18% |
| KANSAS CITY, MO-KS | 787 | $174,155,000 | $221,290 | $3,581 | 3.23% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 686 | $172,500,000 | $251,458 | $4,634 | 3.22% |
| SEBASTIAN-VERO BEACH, FL | 713 | $170,225,000 | $238,745 | $5,202 | 3.26% |
| MOUNT VERNON-ANACORTES, WA | 496 | $169,240,000 | $341,210 | $5,900 | 3.20% |
| ALBUQUERQUE, NM | 713 | $168,465,000 | $236,276 | $4,265 | 3.24% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 732 | $166,940,000 | $228,060 | $6,017 | 3.20% |
| NEW ORLEANS-METAIRIE, LA | 702 | $164,830,000 | $234,801 | $5,928 | 3.30% |
| OCEAN CITY, NJ | 495 | $160,365,000 | $323,970 | $4,498 | 3.25% |
| DAYTON-KETTERING, OH | 924 | $160,220,000 | $173,398 | $4,150 | 3.23% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 666 | $159,590,000 | $239,625 | $5,130 | 3.30% |
| RALEIGH-CARY, NC | 586 | $159,130,000 | $271,553 | $4,265 | 3.13% |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 451 | $152,845,000 | $338,902 | $6,585 | 3.25% |
| CORPUS CHRISTI, TX | 634 | $146,660,000 | $231,325 | $6,560 | 3.21% |
| KENNEWICK-RICHLAND, WA | 512 | $145,110,000 | $283,418 | $4,328 | 3.17% |
| CAPE CORAL-FORT MYERS, FL | 608 | $143,290,000 | $235,674 | $6,044 | 3.19% |
| VISALIA, CA | 543 | $135,975,000 | $250,414 | $4,868 | 2.97% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT | 581 | $133,045,000 | $228,993 | $5,388 | 3.20% |
| LANCASTER, PA | 596 | $132,010,000 | $221,493 | $5,013 | 3.19% |
| BIRMINGHAM-HOOVER, AL | 543 | $129,645,000 | $238,757 | $4,320 | 3.31% |
| SAN RAFAEL, CA | 236 | $123,370,000 | $522,754 | $5,262 | 3.15% |
| PORT ST. LUCIE, FL | 501 | $121,525,000 | $242,565 | $5,886 | 3.22% |
| PANAMA CITY, FL | 489 | $121,395,000 | $248,252 | $5,665 | 3.26% |
| ATLANTIC CITY-HAMMONTON, NJ | 569 | $121,185,000 | $212,979 | $4,793 | 3.24% |
| SALINAS, CA | 286 | $118,810,000 | $415,420 | $5,948 | 3.12% |
| ST. GEORGE, UT | 381 | $116,255,000 | $305,131 | $5,263 | 3.27% |
| CHARLESTON-NORTH CHARLESTON, SC | 391 | $112,325,000 | $287,276 | $5,315 | 3.14% |
| GRANTS PASS, OR | 384 | $112,150,000 | $292,057 | $5,092 | 3.24% |
| EUGENE-SPRINGFIELD, OR | 356 | $106,050,000 | $297,893 | $5,431 | 3.30% |
| WILMINGTON, DE-MD-NJ | 393 | $102,355,000 | $260,445 | $5,333 | 3.15% |
| OMAHA-COUNCIL BLUFFS, NE-IA | 442 | $98,880,000 | $223,710 | $3,909 | 3.16% |
| LOGAN, UT-ID | 365 | $98,605,000 | $270,151 | $4,813 | 3.04% |
| CLEVELAND-ELYRIA, OH | 493 | $94,715,000 | $192,120 | $4,321 | 3.18% |
| NAPLES-MARCO ISLAND, FL | 302 | $94,360,000 | $312,450 | $6,271 | 3.24% |
| MILWAUKEE-WAUKESHA, WI | 402 | $93,670,000 | $233,010 | $3,517 | 3.30% |
| ALBANY-LEBANON, OR | 350 | $93,610,000 | $267,457 | $5,617 | 3.16% |
| TUCSON, AZ | 393 | $92,485,000 | $235,331 | $4,533 | 3.16% |
| NAPA, CA | 203 | $92,475,000 | $455,542 | $4,730 | 3.21% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 434 | $91,130,000 | $209,977 | $3,696 | 3.30% |
| FRESNO, CA | 338 | $90,890,000 | $268,905 | $4,891 | 3.20% |
| GARY, IN | 427 | $86,825,000 | $203,337 | $3,971 | 3.33% |
| MODESTO, CA | 301 | $84,915,000 | $282,110 | $5,083 | 3.17% |
| PHILADELPHIA, PA | 336 | $84,440,000 | $251,310 | $5,740 | 3.20% |
| SHREVEPORT-BOSSIER CITY, LA | 383 | $80,655,000 | $210,587 | $5,327 | 3.12% |
| BATON ROUGE, LA | 374 | $79,790,000 | $213,342 | $5,892 | 3.29% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 237 | $79,605,000 | $335,886 | $6,038 | 3.12% |
| GRAND RAPIDS-KENTWOOD, MI | 373 | $78,835,000 | $211,354 | $4,047 | 3.24% |
| OKLAHOMA CITY, OK | 381 | $77,515,000 | $203,451 | $4,994 | 3.33% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 352 | $74,960,000 | $212,955 | $4,516 | 3.31% |
| KAHULUI-WAILUKU-LAHAINA, HI | 139 | $74,095,000 | $533,058 | $6,049 | 3.24% |
| COLUMBIA, SC | 348 | $72,170,000 | $207,385 | $4,449 | 3.21% |
| NEW HAVEN-MILFORD, CT | 302 | $71,400,000 | $236,424 | $5,463 | 3.27% |
| COEUR D'ALENE, ID | 214 | $70,030,000 | $327,243 | $5,410 | 3.15% |
| PUNTA GORDA, FL | 317 | $66,755,000 | $210,584 | $6,194 | 3.19% |
| MEMPHIS, TN-MS-AR | 287 | $65,705,000 | $228,937 | $4,851 | 3.09% |
| WORCESTER, MA-CT | 232 | $64,000,000 | $275,862 | $5,279 | 3.13% |
| WILMINGTON, NC | 234 | $63,280,000 | $270,427 | $4,181 | 3.16% |
| FARGO, ND-MN | 283 | $62,395,000 | $220,477 | $4,588 | 3.13% |
| GREENSBORO-HIGH POINT, NC | 298 | $60,360,000 | $202,550 | $4,520 | 3.40% |
| BUFFALO-CHEEKTOWAGA, NY | 311 | $60,015,000 | $192,974 | $5,443 | 3.26% |
| ANN ARBOR, MI | 232 | $59,690,000 | $257,284 | $3,465 | 3.18% |
| LAFAYETTE-WEST LAFAYETTE, IN | 328 | $59,670,000 | $181,921 | $3,883 | 3.34% |
| SPARTANBURG, SC | 283 | $57,765,000 | $204,117 | $5,265 | 3.11% |
| TULSA, OK | 271 | $56,545,000 | $208,653 | $5,538 | 3.22% |
| HUNTSVILLE, AL | 252 | $55,000,000 | $218,254 | $4,959 | 3.14% |
| DURHAM-CHAPEL HILL, NC | 217 | $52,555,000 | $242,189 | $4,891 | 3.24% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 187 | $52,415,000 | $280,294 | $7,018 | 3.18% |
| PITTSBURGH, PA | 241 | $52,245,000 | $216,784 | $5,320 | 3.08% |
| FORT WAYNE, IN | 293 | $51,265,000 | $174,966 | $3,584 | 3.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 251 | $50,245,000 | $200,179 | $4,008 | 3.06% |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 158 | $49,980,000 | $316,329 | $5,579 | 3.12% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 332 | $48,420,000 | $145,843 | $3,780 | 3.19% |
| HILTON HEAD ISLAND-BLUFFTON, SC | 141 | $46,705,000 | $331,241 | $4,788 | 3.26% |
| PENSACOLA-FERRY PASS-BRENT, FL | 198 | $46,010,000 | $232,374 | $4,479 | 3.13% |
| SPRINGFIELD, OH | 279 | $45,265,000 | $162,240 | $4,263 | 3.24% |
| GRAND JUNCTION, CO | 178 | $44,990,000 | $252,753 | $3,794 | 3.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ | 172 | $44,150,000 | $256,686 | $4,449 | 3.22% |
| FLINT, MI | 249 | $44,085,000 | $177,048 | $4,214 | 3.34% |
| DES MOINES-WEST DES MOINES, IA | 201 | $43,195,000 | $214,900 | $3,720 | 3.04% |
| LONGVIEW, WA | 147 | $43,195,000 | $293,844 | $4,734 | 3.16% |
| GREENVILLE-ANDERSON, SC | 190 | $43,100,000 | $226,842 | $4,662 | 3.17% |
| CALIFORNIA-LEXINGTON PARK, MD | 131 | $43,005,000 | $328,282 | $6,431 | 3.03% |
| SANTA CRUZ-WATSONVILLE, CA | 81 | $41,815,000 | $516,235 | $5,658 | 3.15% |
| MOBILE, AL | 220 | $41,740,000 | $189,727 | $5,133 | 3.27% |
| TRENTON-PRINCETON, NJ | 159 | $41,665,000 | $262,044 | $5,049 | 3.19% |
| KNOXVILLE, TN | 189 | $41,375,000 | $218,915 | $4,660 | 3.17% |
| DOVER, DE | 173 | $41,165,000 | $237,948 | $5,278 | 3.12% |
| MANCHESTER-NASHUA, NH | 145 | $41,055,000 | $283,138 | $5,959 | 3.16% |
| FAYETTEVILLE, NC | 206 | $40,620,000 | $197,184 | $3,699 | 3.05% |
| YUBA CITY, CA | 131 | $39,235,000 | $299,504 | $5,842 | 3.13% |
| MONTGOMERY, AL | 176 | $38,300,000 | $217,614 | $4,474 | 3.20% |
| FAIRBANKS, AK | 134 | $37,850,000 | $282,463 | $6,193 | 3.06% |
| KILLEEN-TEMPLE, TX | 204 | $37,810,000 | $185,343 | $4,558 | 3.38% |
| YORK-HANOVER, PA | 152 | $37,450,000 | $246,382 | $5,695 | 3.21% |
| EL PASO, TX | 208 | $36,860,000 | $177,212 | $5,669 | 3.33% |
| OCALA, FL | 200 | $36,500,000 | $182,500 | $5,117 | 3.32% |
| ALBANY-SCHENECTADY-TROY, NY | 162 | $35,010,000 | $216,111 | $6,734 | 3.20% |
| READING, PA | 171 | $34,815,000 | $203,596 | $6,282 | 3.18% |
| CORVALLIS, OR | 112 | $33,880,000 | $302,500 | $5,613 | 3.19% |
| MADISON, WI | 127 | $33,365,000 | $262,717 | $4,331 | 3.09% |
| LAKE HAVASU CITY-KINGMAN, AZ | 153 | $33,335,000 | $217,876 | $4,253 | 3.34% |
| BISMARCK, ND | 132 | $33,290,000 | $252,197 | $3,851 | 3.12% |
| JACKSONVILLE, NC | 165 | $32,325,000 | $195,909 | $4,849 | 2.93% |
| AKRON, OH | 185 | $32,205,000 | $174,081 | $4,595 | 3.27% |
| HUNTINGTON-ASHLAND, WV-KY-OH | 193 | $32,165,000 | $166,658 | $3,699 | 3.37% |
| TYLER, TX | 148 | $32,020,000 | $216,351 | $4,727 | 3.13% |
| WINSTON-SALEM, NC | 163 | $31,995,000 | $196,288 | $4,276 | 3.31% |
| ASHEVILLE, NC | 113 | $31,515,000 | $278,894 | $5,913 | 3.08% |
| JACKSON, MS | 138 | $30,730,000 | $222,681 | $4,684 | 3.08% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 187 | $30,695,000 | $164,144 | $5,048 | 3.30% |
| TOLEDO, OH | 178 | $30,530,000 | $171,517 | $4,334 | 3.25% |
| SHERMAN-DENISON, TX | 131 | $29,435,000 | $224,695 | $5,449 | 3.27% |
| REDDING, CA | 107 | $29,315,000 | $273,972 | $5,420 | 3.08% |
| CLARKSVILLE, TN-KY | 129 | $29,255,000 | $226,783 | $4,131 | 3.10% |
| MUNCIE, IN | 217 | $29,235,000 | $134,724 | $3,238 | 3.31% |
| EVANSVILLE, IN-KY | 182 | $28,830,000 | $158,407 | $3,817 | 3.30% |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 130 | $28,360,000 | $218,154 | $4,020 | 3.04% |
| SCRANTON--WILKES-BARRE, PA | 168 | $27,770,000 | $165,298 | $5,454 | 3.36% |
| DAPHNE-FAIRHOPE-FOLEY, AL | 117 | $27,485,000 | $234,915 | $4,765 | 3.23% |
| GAINESVILLE, FL | 129 | $26,385,000 | $204,535 | $5,495 | 3.23% |
| HAGERSTOWN-MARTINSBURG, MD-WV | 112 | $26,000,000 | $232,143 | $5,531 | 3.22% |
| ROCHESTER, NY | 135 | $25,835,000 | $191,370 | $6,753 | 3.30% |
| HOMOSASSA SPRINGS, FL | 149 | $25,475,000 | $170,973 | $5,079 | 3.45% |
| SIOUX FALLS, SD | 109 | $25,165,000 | $230,872 | $4,909 | 2.94% |
| MERCED, CA | 93 | $24,495,000 | $263,387 | $5,263 | 3.20% |
| GREENVILLE, NC | 142 | $24,430,000 | $172,042 | $5,631 | 3.39% |
| LAFAYETTE, LA | 116 | $24,270,000 | $209,224 | $5,153 | 3.40% |
| PUEBLO, CO | 101 | $23,425,000 | $231,931 | $4,488 | 3.20% |
| FOND DU LAC, WI | 147 | $23,355,000 | $158,878 | $3,193 | 3.34% |
| LANSING-EAST LANSING, MI | 132 | $23,160,000 | $175,455 | $3,445 | 3.24% |
| HATTIESBURG, MS | 116 | $23,040,000 | $198,621 | $5,514 | 3.04% |
| BARNSTABLE TOWN, MA | 71 | $22,785,000 | $320,915 | $5,753 | 3.16% |
| IDAHO FALLS, ID | 98 | $22,680,000 | $231,429 | $5,228 | 3.21% |
| LAKE CHARLES, LA | 107 | $22,295,000 | $208,364 | $5,492 | 3.51% |
| EAST STROUDSBURG, PA | 111 | $21,785,000 | $196,261 | $5,284 | 3.18% |
| LEWISTON, ID-WA | 79 | $21,145,000 | $267,658 | $5,283 | 3.20% |
| TALLAHASSEE, FL | 95 | $21,065,000 | $221,737 | $4,915 | 3.18% |
| EL CENTRO, CA | 81 | $20,895,000 | $257,963 | $5,902 | 3.11% |
| LEXINGTON-FAYETTE, KY | 95 | $20,815,000 | $219,105 | $4,445 | 3.11% |
| COLLEGE STATION-BRYAN, TX | 90 | $20,750,000 | $230,556 | $3,933 | 3.20% |
| HAMMOND, LA | 110 | $20,510,000 | $186,455 | $6,537 | 3.38% |
| SAVANNAH, GA | 83 | $19,665,000 | $236,928 | $4,205 | 3.09% |
| HARRISBURG-CARLISLE, PA | 95 | $19,575,000 | $206,053 | $5,703 | 3.14% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 90 | $18,950,000 | $210,556 | $4,312 | 3.17% |
| GAINESVILLE, GA | 78 | $18,550,000 | $237,821 | $5,177 | 3.21% |
| CANTON-MASSILLON, OH | 114 | $18,500,000 | $162,281 | $4,632 | 3.23% |
| KINGSPORT-BRISTOL, TN-VA | 101 | $18,325,000 | $181,436 | $5,124 | 3.18% |
| MADERA, CA | 65 | $18,055,000 | $277,769 | $5,290 | 3.15% |
| MUSKEGON, MI | 108 | $17,430,000 | $161,389 | $3,517 | 3.43% |
| ROCHESTER, MN | 74 | $16,950,000 | $229,054 | $4,821 | 3.08% |
| SPRINGFIELD, MA | 77 | $16,885,000 | $219,286 | $4,956 | 3.22% |
| CHARLOTTESVILLE, VA | 55 | $15,975,000 | $290,455 | $4,410 | 3.09% |
| LYNCHBURG, VA | 64 | $14,920,000 | $233,125 | $3,348 | 3.09% |
| SPRINGFIELD, MO | 77 | $14,865,000 | $193,052 | $2,788 | 2.94% |
| KALAMAZOO-PORTAGE, MI | 73 | $14,825,000 | $203,082 | $3,275 | 3.34% |
| FLAGSTAFF, AZ | 49 | $14,595,000 | $297,857 | $4,865 | 3.20% |
| BLACKSBURG-CHRISTIANSBURG, VA | 64 | $14,290,000 | $223,281 | $5,709 | 3.14% |
| WINCHESTER, VA-WV | 53 | $14,265,000 | $269,151 | $4,640 | 2.98% |
| SEBRING-AVON PARK, FL | 83 | $13,805,000 | $166,325 | $4,797 | 3.30% |
| NORWICH-NEW LONDON, CT | 56 | $13,590,000 | $242,679 | $5,169 | 3.19% |
| ROANOKE, VA | 60 | $13,570,000 | $226,167 | $4,188 | 3.06% |
| GULFPORT-BILOXI, MS | 73 | $13,295,000 | $182,123 | $4,101 | 3.16% |
| LAS CRUCES, NM | 61 | $12,995,000 | $213,033 | $4,157 | 3.26% |
| DULUTH, MN-WI | 65 | $12,815,000 | $197,154 | $4,441 | 3.16% |
| MIDLAND, TX | 43 | $12,795,000 | $297,558 | $5,837 | 3.26% |
| MONROE, MI | 63 | $12,765,000 | $202,619 | $4,134 | 3.24% |
| MCALLEN-EDINBURG-MISSION, TX | 68 | $12,690,000 | $186,618 | $5,282 | 3.21% |
| TUSCALOOSA, AL | 60 | $12,350,000 | $205,833 | $4,089 | 3.09% |
| BLOOMINGTON, IN | 63 | $12,265,000 | $194,683 | $4,189 | 3.19% |
| WARNER ROBINS, GA | 52 | $12,260,000 | $235,769 | $3,939 | 3.13% |
| CEDAR RAPIDS, IA | 56 | $12,200,000 | $217,857 | $3,077 | 2.94% |
| WACO, TX | 56 | $11,980,000 | $213,929 | $4,762 | 3.34% |
| HOUMA-THIBODAUX, LA | 61 | $11,875,000 | $194,672 | $6,079 | 3.40% |
| SANTA FE, NM | 38 | $11,390,000 | $299,737 | $5,198 | 3.20% |
| WICHITA, KS | 63 | $11,355,000 | $180,238 | $3,854 | 3.03% |
| JACKSON, MI | 53 | $11,095,000 | $209,340 | $4,152 | 3.16% |
| BURLINGTON, NC | 61 | $11,075,000 | $181,557 | $5,414 | 3.40% |
| HANFORD-CORCORAN, CA | 47 | $10,875,000 | $231,383 | $4,962 | 3.04% |
| CAPE GIRARDEAU, MO-IL | 55 | $10,695,000 | $194,455 | $4,790 | 3.08% |
| STATE COLLEGE, PA | 45 | $10,695,000 | $237,667 | $6,544 | 3.19% |
| JONESBORO, AR | 67 | $10,455,000 | $156,045 | $4,327 | 3.22% |
| AUBURN-OPELIKA, AL | 47 | $10,295,000 | $219,043 | $3,856 | 3.24% |
| LEBANON, PA | 54 | $10,210,000 | $189,074 | $4,861 | 3.24% |
| AMARILLO, TX | 50 | $10,080,000 | $201,600 | $4,470 | 3.02% |
| LAREDO, TX | 54 | $9,970,000 | $184,630 | $5,578 | 3.03% |
| LEWISTON-AUBURN, ME | 51 | $9,835,000 | $192,843 | $3,981 | 3.02% |
| LUBBOCK, TX | 47 | $9,665,000 | $205,638 | $4,267 | 3.28% |
| MICHIGAN CITY-LA PORTE, IN | 50 | $9,480,000 | $189,600 | $4,147 | 3.24% |
| CHEYENNE, WY | 33 | $9,275,000 | $281,061 | $4,412 | 3.18% |
| VINELAND-BRIDGETON, NJ | 59 | $9,165,000 | $155,339 | $4,928 | 3.60% |
| ABILENE, TX | 54 | $9,140,000 | $169,259 | $5,508 | 3.51% |
| CARSON CITY, NV | 24 | $9,020,000 | $375,833 | $3,764 | 3.24% |
| THE VILLAGES, FL | 41 | $8,985,000 | $219,146 | $4,799 | 3.24% |
| ROCKFORD, IL | 53 | $8,955,000 | $168,962 | $3,948 | 3.23% |
| CLEVELAND, TN | 43 | $8,645,000 | $201,047 | $4,754 | 3.24% |
| YUMA, AZ | 39 | $8,415,000 | $215,769 | $4,336 | 3.21% |
| DECATUR, AL | 42 | $8,190,000 | $195,000 | $5,790 | 3.30% |
| HICKORY-LENOIR-MORGANTON, NC | 35 | $8,135,000 | $232,429 | $4,016 | 3.06% |
| TERRE HAUTE, IN | 49 | $8,075,000 | $164,796 | $4,196 | 3.21% |
| LINCOLN, NE | 38 | $8,060,000 | $212,105 | $4,600 | 3.20% |
| LONGVIEW, TX | 36 | $7,490,000 | $208,056 | $4,691 | 3.02% |
| RAPID CITY, SD | 33 | $7,335,000 | $222,273 | $4,130 | 3.10% |
| BLOOMINGTON, IL | 41 | $7,225,000 | $176,220 | $3,713 | 3.16% |
| STAUNTON, VA | 31 | $7,175,000 | $231,452 | $3,248 | 3.02% |
| ATHENS-CLARKE COUNTY, GA | 36 | $7,160,000 | $198,889 | $4,599 | 3.18% |
| SPRINGFIELD, IL | 41 | $7,085,000 | $172,805 | $3,997 | 3.16% |
| SOUTH BEND-MISHAWAKA, IN-MI | 43 | $7,005,000 | $162,907 | $3,650 | 3.19% |
| SUMTER, SC | 36 | $6,970,000 | $193,611 | $5,162 | 3.05% |
| JANESVILLE-BELOIT, WI | 33 | $6,885,000 | $208,636 | $3,955 | 3.18% |
| BEAUMONT-PORT ARTHUR, TX | 33 | $6,775,000 | $205,303 | $4,736 | 3.13% |
| COLUMBUS, GA-AL | 35 | $6,695,000 | $191,286 | $2,915 | 3.13% |
| JOHNSON CITY, TN | 34 | $6,610,000 | $194,412 | $4,838 | 3.15% |
| ELKHART-GOSHEN, IN | 35 | $6,465,000 | $184,714 | $3,542 | 3.27% |
| RACINE, WI | 30 | $6,390,000 | $213,000 | $4,037 | 3.28% |
| APPLETON, WI | 33 | $6,325,000 | $191,667 | $3,591 | 3.21% |
| SYRACUSE, NY | 39 | $6,295,000 | $161,410 | $4,998 | 3.42% |
| WALLA WALLA, WA | 27 | $6,285,000 | $232,778 | $4,097 | 3.22% |
| POCATELLO, ID | 28 | $6,280,000 | $224,286 | $5,207 | 3.34% |
| MORRISTOWN, TN | 32 | $6,090,000 | $190,313 | $4,869 | 3.22% |
| CHAMBERSBURG-WAYNESBORO, PA | 26 | $6,080,000 | $233,846 | $5,392 | 3.07% |
| MONROE, LA | 35 | $6,065,000 | $173,286 | $5,996 | 3.67% |
| GETTYSBURG, PA | 27 | $6,045,000 | $223,889 | $5,094 | 3.15% |
| BROWNSVILLE-HARLINGEN, TX | 33 | $6,045,000 | $183,182 | $4,539 | 3.12% |
| COLUMBUS, IN | 29 | $5,975,000 | $206,034 | $4,238 | 3.21% |
| OSHKOSH-NEENAH, WI | 32 | $5,900,000 | $184,375 | $3,998 | 3.36% |
| GREEN BAY, WI | 32 | $5,440,000 | $170,000 | $3,195 | 3.17% |
| WILLIAMSPORT, PA | 30 | $5,420,000 | $180,667 | $6,404 | 3.41% |
| BILLINGS, MT | 20 | $5,360,000 | $268,000 | $5,559 | 2.95% |
| WICHITA FALLS, TX | 25 | $5,345,000 | $213,800 | $3,651 | 3.17% |
| TEXARKANA, TX-AR | 28 | $5,330,000 | $190,357 | $3,484 | 3.30% |
| NILES, MI | 26 | $5,190,000 | $199,615 | $4,417 | 3.31% |
| GLENS FALLS, NY | 27 | $5,145,000 | $190,556 | $6,578 | 3.28% |
| ST. CLOUD, MN | 27 | $5,085,000 | $188,333 | $4,831 | 3.09% |
| GRAND FORKS, ND-MN | 20 | $5,010,000 | $250,500 | $5,450 | 3.29% |
| MACON-BIBB COUNTY, GA | 26 | $4,970,000 | $191,154 | $3,916 | 3.10% |
| SIERRA VISTA-DOUGLAS, AZ | 27 | $4,905,000 | $181,667 | $3,780 | 3.25% |
| ODESSA, TX | 27 | $4,825,000 | $178,704 | $5,286 | 3.32% |
| FORT SMITH, AR-OK | 24 | $4,800,000 | $200,000 | $3,405 | 3.01% |
| KINGSTON, NY | 19 | $4,775,000 | $251,316 | $6,797 | 3.21% |
| BRUNSWICK, GA | 16 | $4,640,000 | $290,000 | $6,409 | 3.00% |
| BOWLING GREEN, KY | 25 | $4,635,000 | $185,400 | $3,743 | 3.11% |
| ELIZABETHTOWN-FORT KNOX, KY | 23 | $4,625,000 | $201,087 | $3,543 | 2.98% |
| HOT SPRINGS, AR | 25 | $4,545,000 | $181,800 | $3,697 | 3.45% |
| COLUMBIA, MO | 24 | $4,530,000 | $188,750 | $3,836 | 3.28% |
| VALDOSTA, GA | 26 | $4,520,000 | $173,846 | $3,823 | 3.33% |
| TOPEKA, KS | 26 | $4,420,000 | $170,000 | $3,739 | 3.22% |
| ALEXANDRIA, LA | 24 | $4,380,000 | $182,500 | $4,572 | 3.26% |
| SHEBOYGAN, WI | 20 | $4,370,000 | $218,500 | $3,288 | 3.33% |
| SAN ANGELO, TX | 21 | $4,305,000 | $205,000 | $4,138 | 3.04% |
| KANKAKEE, IL | 23 | $4,185,000 | $181,957 | $4,220 | 3.15% |
| CHAMPAIGN-URBANA, IL | 21 | $4,175,000 | $198,810 | $2,575 | 3.15% |
| JACKSON, TN | 26 | $4,160,000 | $160,000 | $3,880 | 3.11% |
| BANGOR, ME | 21 | $4,135,000 | $196,905 | $4,443 | 3.11% |
| MANSFIELD, OH | 26 | $4,100,000 | $157,692 | $3,688 | 3.30% |
| ROCKY MOUNT, NC | 19 | $3,855,000 | $202,895 | $4,700 | 3.10% |
| NEW BERN, NC | 19 | $3,855,000 | $202,895 | $4,380 | 3.36% |
| JOPLIN, MO | 26 | $3,630,000 | $139,615 | $3,587 | 3.60% |
| HARRISONBURG, VA | 18 | $3,590,000 | $199,444 | $3,902 | 2.96% |
| DALTON, GA | 18 | $3,510,000 | $195,000 | $4,765 | 3.13% |
| WAUSAU-WESTON, WI | 17 | $3,335,000 | $196,176 | $3,183 | 3.43% |
| MANKATO, MN | 19 | $3,295,000 | $173,421 | $4,284 | 3.09% |
| LAWTON, OK | 21 | $3,235,000 | $154,048 | $3,735 | 3.00% |
| MISSOULA, MT | 10 | $3,130,000 | $313,000 | $4,108 | 2.94% |
| GADSDEN, AL | 19 | $3,035,000 | $159,737 | $2,844 | 2.98% |
| IOWA CITY, IA | 13 | $3,035,000 | $233,462 | $2,576 | 2.96% |
| FLORENCE, SC | 20 | $2,990,000 | $149,500 | $4,020 | 3.76% |
| GOLDSBORO, NC | 17 | $2,985,000 | $175,588 | $3,352 | 2.92% |
| AMES, IA | 18 | $2,950,000 | $163,889 | $3,092 | 3.05% |
| ALBANY, GA | 18 | $2,950,000 | $163,889 | $5,723 | 2.91% |
| FARMINGTON, NM | 15 | $2,745,000 | $183,000 | $5,322 | 3.30% |
| SAGINAW, MI | 17 | $2,735,000 | $160,882 | $3,935 | 3.72% |
| KOKOMO, IN | 16 | $2,680,000 | $167,500 | $3,227 | 3.04% |
| BURLINGTON-SOUTH BURLINGTON, VT | 8 | $2,650,000 | $331,250 | $4,506 | 3.01% |
| DOTHAN, AL | 14 | $2,620,000 | $187,143 | $3,561 | 3.17% |
| VICTORIA, TX | 12 | $2,480,000 | $206,667 | $4,678 | 3.36% |
| BINGHAMTON, NY | 20 | $2,440,000 | $122,000 | $5,418 | 3.52% |
| ERIE, PA | 17 | $2,435,000 | $143,235 | $4,565 | 3.11% |
| TWIN FALLS, ID | 13 | $2,295,000 | $176,538 | $3,514 | 3.28% |
| HINESVILLE, GA | 12 | $2,270,000 | $189,167 | $3,311 | 2.92% |
| LAWRENCE, KS | 10 | $2,270,000 | $227,000 | $4,646 | 3.29% |
| PITTSFIELD, MA | 6 | $2,120,000 | $353,333 | $4,933 | 2.95% |
| UTICA-ROME, NY | 11 | $1,915,000 | $174,091 | $6,576 | 3.32% |
| MIDLAND, MI | 12 | $1,910,000 | $159,167 | $3,483 | 3.09% |
| CHARLESTON, WV | 10 | $1,900,000 | $190,000 | $4,233 | 3.72% |
| FLORENCE-MUSCLE SHOALS, AL | 8 | $1,890,000 | $236,250 | $3,990 | 3.35% |
| ST. JOSEPH, MO-KS | 11 | $1,875,000 | $170,455 | $3,455 | 3.31% |
| EAU CLAIRE, WI | 10 | $1,870,000 | $187,000 | $3,911 | 3.16% |
| ANNISTON-OXFORD, AL | 8 | $1,820,000 | $227,500 | $6,791 | 3.29% |
| CASPER, WY | 9 | $1,785,000 | $198,333 | $4,746 | 2.85% |
| ALTOONA, PA | 11 | $1,725,000 | $156,818 | $4,505 | 2.93% |
| BATTLE CREEK, MI | 13 | $1,675,000 | $128,846 | $3,399 | 3.43% |
| CARBONDALE-MARION, IL | 7 | $1,575,000 | $225,000 | $3,194 | 3.09% |
| ROME, GA | 8 | $1,560,000 | $195,000 | $4,977 | 3.19% |
| GREAT FALLS, MT | 7 | $1,555,000 | $222,143 | $7,085 | 2.96% |
| DUBUQUE, IA | 10 | $1,540,000 | $154,000 | $2,807 | 2.97% |
| DECATUR, IL | 8 | $1,500,000 | $187,500 | $6,061 | 3.01% |
| LA CROSSE-ONALASKA, WI-MN | 7 | $1,385,000 | $197,857 | $4,984 | 2.96% |
| CUMBERLAND, MD-WV | 8 | $1,340,000 | $167,500 | $3,026 | 3.51% |
| DANVILLE, IL | 13 | $1,315,000 | $101,154 | $2,916 | 3.41% |
| WHEELING, WV-OH | 6 | $1,200,000 | $200,000 | $4,685 | 3.18% |
| MORGANTOWN, WV | 4 | $1,140,000 | $285,000 | $5,223 | 2.81% |
| MANHATTAN, KS | 5 | $1,055,000 | $211,000 | $2,563 | 2.94% |
| SIOUX CITY, IA-NE-SD | 4 | $960,000 | $240,000 | $3,294 | 2.98% |
| JOHNSTOWN, PA | 9 | $915,000 | $101,667 | $3,429 | 4.12% |
| BAY CITY, MI | 7 | $905,000 | $129,286 | $5,778 | 3.61% |
| WATERTOWN-FORT DRUM, NY | 4 | $840,000 | $210,000 | $6,866 | 3.47% |
| OWENSBORO, KY | 5 | $805,000 | $161,000 | $4,290 | 3.18% |
| WEIRTON-STEUBENVILLE, WV-OH | 4 | $800,000 | $200,000 | $3,802 | 3.24% |
| JEFFERSON CITY, MO | 5 | $725,000 | $145,000 | $2,253 | 3.22% |
| WATERLOO-CEDAR FALLS, IA | 4 | $720,000 | $180,000 | $4,723 | 2.97% |
| BLOOMSBURG-BERWICK, PA | 4 | $660,000 | $165,000 | $4,349 | 2.94% |
| LIMA, OH | 6 | $620,000 | $103,333 | $3,936 | 3.29% |
| PINE BLUFF, AR | 3 | $565,000 | $188,333 | $4,739 | 3.49% |
| GRAND ISLAND, NE | 3 | $545,000 | $181,667 | $1,539 | 2.83% |
| PARKERSBURG-VIENNA, WV | 3 | $505,000 | $168,333 | $1,674 | 2.83% |
| ENID, OK | 3 | $445,000 | $148,333 | $4,721 | 2.97% |
| ITHACA, NY | 1 | $265,000 | $265,000 | $4,465 | 2.88% |
| BECKLEY, WV | 2 | $250,000 | $125,000 | $1,720 | 3.13% |
| ELMIRA, NY | 1 | $185,000 | $185,000 | $3,438 | 2.25% |
Caliber Home Loans 's top markets include Seattle, Washington, Portland, San Diego, and Denver among others.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 107,894 | $32,733,340,000 | $303,384 |
| 2.5-3% | 97,014 | $30,988,590,000 | $319,424 |
| <2.5% | 11,654 | $3,752,570,000 | $321,998 |
| 4-5% | 10,291 | $2,628,195,000 | $255,388 |
| 5-6% | 1,522 | $409,220,000 | $268,870 |
| 6-7% | 123 | $55,865,000 | $454,187 |
| Over 8% | 83 | $19,225,000 | $231,627 |
| 7-8% | 50 | $13,740,000 | $274,800 |
During 2020, Caliber Home Loans 's average interest rate was 3.25%, while their most frequently originated rate bucket was 3-4%, with 107,894 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 117,698 | $33,980,320,000 | $288,708 | $5,209 | 3.15% |
| $100k-200k | 51,616 | $8,100,570,000 | $156,939 | $4,194 | 3.28% |
| $400k-600k | 41,889 | $19,909,035,000 | $475,281 | $6,035 | 3.12% |
| $600k-1MM | 9,983 | $6,994,775,000 | $700,669 | $8,281 | 3.21% |
| $100,000 or less | 6,613 | $510,525,000 | $77,200 | $3,324 | 3.62% |
| $1MM+ | 834 | $1,105,620,000 | $1,325,683 | $13,723 | 3.40% |
2020 saw Caliber Home Loans place emphasis on $200k-400k loans with 117,698 originations, totaling $33,980,320,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 49,701 | $17,416,825,000 | $350,432 | $5,381 | 3.20% |
| $50k-75k | 43,724 | $10,265,060,000 | $234,769 | $5,373 | 3.23% |
| $75k-100k | 38,676 | $11,281,130,000 | $291,683 | $5,446 | 3.22% |
| $150k-250k | 32,713 | $13,720,205,000 | $419,411 | $5,383 | 3.20% |
| $50k or less | 23,802 | $3,889,330,000 | $163,403 | $4,820 | 3.28% |
| $250k+ | 10,543 | $5,318,685,000 | $504,475 | $5,798 | 3.27% |
Caliber Home Loans lent most frequently to those with incomes in the $100k-150k range, with 49,701 originations. The second most popular income band? $50k-75k, with 43,724 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 42,231 | $13,027,865,000 | $308,491 | $4,415 | 3.16% |
| 30-36% | 36,287 | $11,356,065,000 | $312,951 | $5,017 | 3.22% |
| <20% | 13,846 | $4,045,390,000 | $292,170 | $3,925 | 3.10% |
| 44% | 9,560 | $2,915,890,000 | $305,009 | $5,766 | 3.32% |
| 50-60% | 9,327 | $2,942,045,000 | $315,433 | $9,176 | 3.14% |
| 43% | 8,419 | $2,571,775,000 | $305,473 | $5,586 | 3.31% |
| 42% | 8,205 | $2,622,285,000 | $319,596 | $5,633 | 3.30% |
| 41% | 7,944 | $2,485,740,000 | $312,908 | $5,508 | 3.28% |
| 40% | 7,517 | $2,348,175,000 | $312,382 | $5,406 | 3.28% |
| 39% | 7,444 | $2,323,850,000 | $312,178 | $5,739 | 3.26% |
| 38% | 7,073 | $2,201,585,000 | $311,266 | $5,299 | 3.26% |
| 49% | 6,891 | $2,186,535,000 | $317,303 | $6,250 | 3.24% |
| 37% | 6,848 | $2,158,600,000 | $315,216 | $5,251 | 3.24% |
| 36% | 6,670 | $2,082,060,000 | $312,153 | $5,128 | 3.25% |
| 45% | 6,446 | $2,014,020,000 | $312,445 | $5,712 | 3.27% |
| 47% | 5,732 | $1,807,590,000 | $315,351 | $5,990 | 3.25% |
| 48% | 5,706 | $1,809,330,000 | $317,093 | $6,103 | 3.24% |
| 46% | 5,649 | $1,786,995,000 | $316,338 | $5,914 | 3.24% |
| >60% | 365 | $172,495,000 | $472,589 | $11,019 | 3.00% |
Caliber Home Loans lent most frequently to those with DTI ratios of 20-30%, with 42,231 originations. The next most common DTI ratio? 30-36%, with 36,287 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 162,458 | $49,155,410,000 | $302,573 | $5,211 | 3.21% |
| Not provided | 36,701 | $11,796,165,000 | $321,413 | $5,094 | 3.13% |
| Asian | 12,521 | $4,546,765,000 | $363,131 | $5,030 | 3.15% |
| Black | 12,727 | $3,586,545,000 | $281,806 | $6,335 | 3.23% |
| American Indian | 1,388 | $410,170,000 | $295,512 | $5,532 | 3.20% |
| Asian Indian | 664 | $281,820,000 | $424,428 | $5,034 | 3.08% |
| Native Hawaiian | 570 | $207,260,000 | $363,614 | $5,793 | 3.19% |
| Filipino | 441 | $176,255,000 | $399,671 | $6,030 | 3.15% |
| Other Asian | 371 | $133,195,000 | $359,016 | $5,558 | 3.14% |
| Chinese | 238 | $101,270,000 | $425,504 | $4,533 | 3.09% |
| Korean | 152 | $62,150,000 | $408,882 | $4,900 | 3.06% |
| Japanese | 127 | $46,475,000 | $365,945 | $4,768 | 3.12% |
| Vietnamese | 109 | $38,825,000 | $356,193 | $5,438 | 3.12% |
| Other Pacific Islander | 92 | $30,990,000 | $336,848 | $5,638 | 3.12% |
| Guamanian | 28 | $10,630,000 | $379,643 | $8,238 | 2.92% |
| Native Hawiian | 22 | $8,250,000 | $375,000 | $5,300 | 3.16% |
| Samoan | 18 | $6,590,000 | $366,111 | $6,415 | 3.03% |
| 6 | $2,080,000 | $346,667 | $7,897 | 3.02% |
Approval Rates
Total approvals of all applications95.03%
Caliber Home Loans has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination65.77%
Caliber Home Loans 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 | 228,633 | $70,600,845,000 | $308,796 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 3,163 | $626,205,000 | $197,978 |
| Single Family (1-4 Units):Site-Built | 225,470 | $69,974,640,000 | $310,350 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 6,382 | $1,548,160,000 | $242,582 | $3,675 | 3.06% |
| 40-60% | 25,098 | $7,651,660,000 | $304,871 | $3,873 | 3.10% |
| 60-80% | 71,265 | $23,226,655,000 | $325,920 | $4,505 | 3.27% |
| 80-100% | 119,118 | $35,875,760,000 | $301,178 | $5,819 | 3.18% |
| Over 100% | 6,126 | $2,198,190,000 | $358,830 | $10,205 | 2.92% |
| Under 20% | 518 | $79,680,000 | $153,822 | $2,922 | 3.23% |