Spring Eq Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300PIL8LFAQ04XC20

Tax ID: 37-1801711

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

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Mortgage Data

Review & Overview

Spring Eq is a smaller mortgage company specializing in Other, Refi, and Cash Out Refi loans. Spring Eq has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Phoenix, Philadelphia, Washington, and San Francisco among others. We have data for 446 markets. (Some data included below & more in-depth data is available with an active subscription.)

Spring Eq has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Spring Eq 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.

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
Home Equity Line of Credit (HELOC) 8.10% 3/28/24
30 Year Conventional Purchase 9.83% 3/28/24
30 Year Conventional Refi 9.63% 3/28/24
30 Year Cash-out Refi 8.03% 3/28/24
30 Year FHA Purchase 6.27% 3/28/24
30 Year FHA Refi 6.27% 3/28/24
15 Year Conventional Purchase 9.25% 3/28/24
15 Year Conventional Refi 9.26% 3/28/24
15 Year Cash-out Refi 9.26% 3/28/24
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.

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Your Estimates

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This is not an official calculator from Spring Eq. 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

6,121

Origination Dollar Volume (All Markets)

$731,975,000
Show all (55) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 395 $54,665,000 $138,392 $1,960 5.65%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 338 $41,490,000 $122,751 $1,916 5.10%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 234 $38,770,000 $165,684 $2,605 4.69%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 234 $30,680,000 $131,111 $2,051 5.11%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 143 $26,065,000 $182,273 $2,169 5.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 106 $25,820,000 $243,585 $2,500 3.94%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 261 $25,015,000 $95,843 $1,995 5.54%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 189 $20,825,000 $110,185 $1,917 5.56%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 184 $19,740,000 $107,283 $1,932 5.70%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 163 $19,125,000 $117,331 $1,864 5.33%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 137 $18,145,000 $132,445 $1,957 5.56%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 122 $18,060,000 $148,033 $2,076 5.14%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 110 $17,850,000 $162,273 $2,059 4.43%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 122 $16,700,000 $136,885 $2,693 5.19%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 113 $16,105,000 $142,522 $2,028 5.24%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 127 $16,065,000 $126,496 $1,962 5.22%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 120 $15,130,000 $126,083 $1,928 4.91%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 113 $11,425,000 $101,106 $2,773 5.26%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 94 $11,410,000 $121,383 $2,038 5.61%
Outside of Metro Areas 102 $10,010,000 $98,137 $1,972 5.55%
SALISBURY, MD-DE (FHA|USDA|VA) 40 $9,130,000 $228,250 $2,879 3.48%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 71 $8,615,000 $121,338 $2,231 5.34%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 32 $6,500,000 $203,125 $2,790 4.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 76 $6,290,000 $82,763 $2,570 5.66%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 47 $5,985,000 $127,340 $1,895 4.56%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 30 $5,790,000 $193,000 $2,033 5.08%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 36 $5,700,000 $158,333 $2,668 4.51%
JACKSONVILLE, FL (FHA|USDA|VA) 60 $5,300,000 $88,333 $2,687 5.38%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 44 $5,260,000 $119,545 $1,946 5.00%
STOCKTON, CA (FHA|USDA|VA) 42 $5,050,000 $120,238 $1,801 5.45%
RICHMOND, VA (FHA|USDA|VA) 46 $4,880,000 $106,087 $1,858 5.44%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 59 $4,835,000 $81,949 $1,779 5.62%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 28 $4,250,000 $151,786 $2,529 4.48%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 23 $4,215,000 $183,261 $2,081 3.80%
COLUMBUS, OH (FHA|USDA|VA) 43 $3,755,000 $87,326 $1,521 5.46%
PITTSBURGH, PA (FHA|USDA|VA) 32 $3,250,000 $101,563 $2,056 5.15%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 28 $3,200,000 $114,286 $1,948 5.81%
TUCSON, AZ (FHA|USDA|VA) 30 $3,090,000 $103,000 $1,939 5.16%
KANSAS CITY, MO-KS (FHA|USDA|VA) 27 $3,045,000 $112,778 $1,858 5.12%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 27 $3,035,000 $112,407 $1,886 5.72%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 15 $2,855,000 $190,333 $2,272 4.73%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 34 $2,810,000 $82,647 $1,947 6.21%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 36 $2,710,000 $75,278 $1,627 6.03%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 27 $2,575,000 $95,370 $2,513 5.57%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 20 $2,530,000 $126,500 $1,948 5.01%
BOULDER, CO (FHA|USDA|VA) 15 $2,455,000 $163,667 $2,239 4.75%
COLORADO SPRINGS, CO (FHA|USDA|VA) 29 $2,425,000 $83,621 $1,831 5.82%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 19 $2,365,000 $124,474 $2,320 5.35%
FORT COLLINS, CO (FHA|USDA|VA) 15 $2,345,000 $156,333 $2,319 5.14%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 12 $2,270,000 $189,167 $2,495 5.20%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 20 $2,250,000 $112,500 $1,943 5.35%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 17 $2,155,000 $126,765 $2,821 4.95%
MODESTO, CA (FHA|USDA|VA) 24 $2,070,000 $86,250 $1,994 6.13%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 11 $2,065,000 $187,727 $2,616 4.00%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 8 $2,030,000 $253,750 $1,918 4.21%
PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $2,025,000 $184,091 $2,794 4.59%
KNOXVILLE, TN (FHA|USDA|VA) 19 $2,005,000 $105,526 $1,753 5.08%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 18 $1,990,000 $110,556 $2,655 4.76%
VALLEJO, CA (FHA|USDA|VA) 18 $1,970,000 $109,444 $1,854 5.26%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 25 $1,965,000 $78,600 $1,537 5.89%
FLAGSTAFF, AZ (FHA|USDA|VA) 10 $1,940,000 $194,000 $2,151 4.34%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 23 $1,915,000 $83,261 $1,781 5.54%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 16 $1,910,000 $119,375 $2,288 5.71%
SALINAS, CA (FHA|USDA|VA) 18 $1,820,000 $101,111 $1,814 5.45%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 28 $1,790,000 $63,929 $2,475 6.28%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 19 $1,765,000 $92,895 $1,832 5.80%
GREELEY, CO (FHA|USDA|VA) 18 $1,750,000 $97,222 $2,028 5.70%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 15 $1,705,000 $113,667 $1,983 5.39%
FRESNO, CA (FHA|USDA|VA) 22 $1,650,000 $75,000 $1,695 5.98%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 12 $1,610,000 $134,167 $2,447 5.15%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $1,585,000 $144,091 $3,046 4.70%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 16 $1,580,000 $98,750 $1,817 4.93%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 10 $1,480,000 $148,000 $2,304 5.31%
OKLAHOMA CITY, OK (FHA|USDA|VA) 22 $1,460,000 $66,364 $1,922 5.54%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 23 $1,355,000 $58,913 $1,774 6.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 13 $1,355,000 $104,231 $1,729 5.24%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 10 $1,350,000 $135,000 $2,636 5.42%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 11 $1,315,000 $119,545 $1,643 5.35%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 11 $1,295,000 $117,727 $2,670 3.71%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 11 $1,265,000 $115,000 $2,006 4.98%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 17 $1,265,000 $74,412 $1,874 5.58%
ALBUQUERQUE, NM (FHA|USDA|VA) 6 $1,260,000 $210,000 $3,350 3.21%
CHICO, CA (FHA|USDA|VA) 7 $1,255,000 $179,286 $2,056 4.36%
ROANOKE, VA (FHA|USDA|VA) 11 $1,245,000 $113,182 $2,039 5.11%
FLINT, MI (FHA|USDA|VA) 10 $1,220,000 $122,000 $2,049 5.78%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 16 $1,200,000 $75,000 $1,996 6.83%
SALEM, OR (FHA|USDA|VA) 11 $1,195,000 $108,636 $2,171 4.72%
THE VILLAGES, FL (FHA|USDA|VA) 8 $1,190,000 $148,750 $2,461 4.47%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 10 $1,170,000 $117,000 $2,070 5.32%
AKRON, OH (FHA|USDA|VA) 16 $1,170,000 $73,125 $1,392 6.21%
ASHEVILLE, NC (FHA|USDA|VA) 11 $1,165,000 $105,909 $1,819 5.19%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 16 $1,140,000 $71,250 $2,019 6.14%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 12 $1,120,000 $93,333 $1,669 4.96%
COLUMBIA, SC (FHA|USDA|VA) 15 $1,115,000 $74,333 $1,933 6.19%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 15 $1,095,000 $73,000 $1,761 5.34%
VISALIA, CA (FHA|USDA|VA) 11 $1,085,000 $98,636 $1,910 5.17%
LANCASTER, PA (FHA|USDA|VA) 12 $1,050,000 $87,500 $1,993 5.71%
SAVANNAH, GA (FHA|USDA|VA) 12 $1,040,000 $86,667 $1,989 5.69%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 12 $1,030,000 $85,833 $1,438 6.53%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $1,020,000 $85,000 $1,212 6.19%
TALLAHASSEE, FL (FHA|USDA|VA) 8 $1,020,000 $127,500 $2,742 4.50%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 10 $990,000 $99,000 $2,356 5.28%
MADISON, WI (FHA|USDA|VA) 9 $975,000 $108,333 $2,179 5.27%
Truckee-Grass Valley, CA (FHA|USDA|VA) 6 $970,000 $161,667 $1,785 5.28%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 11 $965,000 $87,727 $1,755 5.29%
PUEBLO, CO (FHA|USDA|VA) 8 $960,000 $120,000 $1,749 4.30%
LOUISVILLE, KY (FHA|USDA|VA) 11 $955,000 $86,818 $1,834 5.55%
WILMINGTON, NC (FHA|USDA|VA) 10 $950,000 $95,000 $1,711 5.28%
WINCHESTER, VA-WV (FHA|USDA|VA) 10 $920,000 $92,000 $1,684 4.85%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 13 $895,000 $68,846 $1,604 6.04%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 13 $855,000 $65,769 $1,153 5.76%
SANTA FE, NM (FHA|USDA|VA) 4 $810,000 $202,500 $2,147 5.54%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 8 $800,000 $100,000 $1,940 5.13%
Shelton, WA (FHA|USDA|VA) 3 $795,000 $265,000 $1,942 2.63%
ANN ARBOR, MI (FHA|USDA|VA) 7 $795,000 $113,571 $1,932 4.66%
GAINESVILLE, GA (FHA|USDA|VA) 7 $775,000 $110,714 $2,351 4.52%
HUNTSVILLE, AL (FHA|USDA|VA) 13 $765,000 $58,846 $1,813 5.95%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 10 $760,000 $76,000 $1,760 5.24%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $740,000 $123,333 $3,225 4.18%
BATON ROUGE, LA (FHA|USDA|VA) 8 $730,000 $91,250 $2,041 5.02%
CLEVELAND, TN (FHA|USDA|VA) 4 $730,000 $182,500 $2,886 4.73%
Georgetown, SC (FHA|USDA|VA) 3 $725,000 $241,667 $2,724 2.67%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 9 $725,000 $80,556 $1,553 6.03%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 5 $705,000 $141,000 $2,150 4.96%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 4 $700,000 $175,000 $2,028 3.56%
DOVER, DE (FHA|USDA|VA) 5 $685,000 $137,000 $3,326 4.35%
Show Low, AZ (FHA|USDA|VA) 4 $680,000 $170,000 $2,246 2.78%
LYNCHBURG, VA (FHA|USDA|VA) 6 $670,000 $111,667 $2,027 5.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 11 $665,000 $60,455 $2,204 5.58%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 8 $640,000 $80,000 $1,808 5.14%
Sonora, CA (FHA|USDA|VA) 5 $635,000 $127,000 $2,033 4.61%
LONGVIEW, WA (FHA|USDA|VA) 5 $625,000 $125,000 $1,981 4.64%
MEDFORD, OR (FHA|USDA|VA) 8 $610,000 $76,250 $2,235 5.90%
TULSA, OK (FHA|USDA|VA) 10 $600,000 $60,000 $2,124 5.48%
OCEAN CITY, NJ (FHA|USDA|VA) 4 $590,000 $147,500 $2,159 4.61%
SPARTANBURG, SC (FHA|USDA|VA) 6 $570,000 $95,000 $1,933 4.72%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 7 $565,000 $80,714 $2,456 4.93%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $560,000 $140,000 $2,168 5.49%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $555,000 $111,000 $2,342 6.54%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $550,000 $91,667 $1,902 6.04%
BURLINGTON, NC (FHA|USDA|VA) 5 $535,000 $107,000 $1,752 5.41%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $535,000 $107,000 $1,946 4.93%
FAYETTEVILLE, NC (FHA|USDA|VA) 7 $525,000 $75,000 $1,572 6.14%
Seneca, SC (FHA|USDA|VA) 3 $525,000 $175,000 $2,247 6.23%
BELLINGHAM, WA (FHA|USDA|VA) 4 $520,000 $130,000 $1,728 5.48%
Madisonville, KY (FHA|USDA|VA) 1 $515,000 $515,000 $9,374 2.13%
WENATCHEE, WA (FHA|USDA|VA) 3 $515,000 $171,667 $1,820 4.67%
LAS CRUCES, NM (FHA|USDA|VA) 3 $505,000 $168,333 $2,262 5.45%
Easton, MD (FHA|USDA|VA) 1 $505,000 $505,000 $2,140 2.63%
STATE COLLEGE, PA (FHA|USDA|VA) 4 $480,000 $120,000 $2,511 4.34%
LINCOLN, NE (FHA|USDA|VA) 6 $460,000 $76,667 $1,844 6.05%
BEND, OR (FHA|USDA|VA) 6 $460,000 $76,667 $1,906 5.70%
YUMA, AZ (FHA|USDA|VA) 4 $460,000 $115,000 $1,787 4.52%
LEBANON, PA (FHA|USDA|VA) 6 $450,000 $75,000 $2,059 5.61%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 4 $450,000 $112,500 $2,084 4.14%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 5 $445,000 $89,000 $2,479 5.69%
Grand Rapids, MN (FHA|USDA|VA) 2 $440,000 $220,000 $2,228 3.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $435,000 $87,000 $1,863 4.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $435,000 $87,000 $1,701 8.17%
Albertville, AL (FHA|USDA|VA) 2 $430,000 $215,000 $2,232 5.32%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $425,000 $141,667 $1,805 4.83%
Laconia, NH (FHA|USDA|VA) 5 $415,000 $83,000 $1,806 4.20%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 9 $415,000 $46,111 $1,631 6.24%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $410,000 $102,500 $1,837 5.21%
ALEXANDRIA, LA (FHA|USDA|VA) 4 $410,000 $102,500 $1,837 5.67%
EVANSVILLE, IN-KY (FHA|USDA|VA) 6 $400,000 $66,667 $1,410 6.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $390,000 $97,500 $1,950 4.22%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $385,000 $128,333 $2,072 4.36%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $380,000 $190,000 $2,808 2.88%
MADERA, CA (FHA|USDA|VA) 7 $375,000 $53,571 $1,822 7.21%
READING, PA (FHA|USDA|VA) 4 $370,000 $92,500 $2,064 6.21%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $370,000 $92,500 $1,338 5.89%
HARRISONBURG, VA (FHA|USDA|VA) 3 $365,000 $121,667 $1,759 5.23%
KOKOMO, IN (FHA|USDA|VA) 1 $355,000 $355,000 $2,098 2.63%
PEORIA, IL (FHA|USDA|VA) 3 $355,000 $118,333 $1,921 5.10%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $350,000 $87,500 $2,249 5.25%
Holland, MI (FHA|USDA|VA) 4 $350,000 $87,500 $1,901 4.93%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $340,000 $170,000 $1,837 3.81%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 4 $330,000 $82,500 $2,117 6.53%
BAKERSFIELD, CA (FHA|USDA|VA) 8 $330,000 $41,250 $1,848 6.73%
ST. CLOUD, MN (FHA|USDA|VA) 5 $325,000 $65,000 $1,801 5.65%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $325,000 $65,000 $1,953 5.81%
NILES, MI (FHA|USDA|VA) 3 $325,000 $108,333 $1,755 4.90%
TOLEDO, OH (FHA|USDA|VA) 5 $315,000 $63,000 $2,049 5.80%
Torrington, CT (FHA|USDA|VA) 3 $315,000 $105,000 $2,072 4.52%
Wilson, NC (FHA|USDA|VA) 2 $310,000 $155,000 $3,247 3.94%
Hood River, OR (FHA|USDA|VA) 1 $305,000 $305,000 $3,815 6.30%
Brevard, NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,392 5.75%
MORRISTOWN, TN (FHA|USDA|VA) 1 $305,000 $305,000 $2,100 2.63%
Clearlake, CA (FHA|USDA|VA) 4 $300,000 $75,000 $1,823 5.29%
Concord, NH (FHA|USDA|VA) 2 $300,000 $150,000 $1,800 4.13%
Jefferson, GA (FHA|USDA|VA) 6 $300,000 $50,000 $1,814 8.54%
VALDOSTA, GA (FHA|USDA|VA) 2 $300,000 $150,000 $2,453 2.88%
Owatonna, MN (FHA|USDA|VA) 2 $300,000 $150,000 $2,596 2.87%
EL CENTRO, CA (FHA|USDA|VA) 3 $295,000 $98,333 $1,976 6.27%
Wooster, OH (FHA|USDA|VA) 3 $285,000 $95,000 $2,073 5.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $280,000 $70,000 $2,683 5.09%
WICHITA, KS (FHA|USDA|VA) 8 $280,000 $35,000 $1,650 6.12%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $280,000 $46,667 $1,665 5.76%
NAPA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $2,637 6.30%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $275,000 $91,667 $2,561 4.76%
Shelbyville, TN (FHA|USDA|VA) 3 $275,000 $91,667 $2,169 5.07%
ROCHESTER, MN (FHA|USDA|VA) 4 $270,000 $67,500 $1,829 6.05%
Montrose, CO (FHA|USDA|VA) 2 $270,000 $135,000 $1,926 3.87%
Baraboo, WI (FHA|USDA|VA) 2 $270,000 $135,000 $1,654 4.81%
GAINESVILLE, FL (FHA|USDA|VA) 3 $265,000 $88,333 $2,727 4.87%
MISSOULA, MT (FHA|USDA|VA) 2 $260,000 $130,000 $2,587 3.87%
DULUTH, MN-WI (FHA|USDA|VA) 2 $260,000 $130,000 $2,226 5.45%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $260,000 $130,000 $1,530 5.21%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $255,000 $85,000 $2,467 4.57%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $255,000 $85,000 $1,667 6.85%
REDDING, CA (FHA|USDA|VA) 5 $255,000 $51,000 $1,891 5.40%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $250,000 $125,000 $2,468 4.29%
MERCED, CA (FHA|USDA|VA) 6 $250,000 $41,667 $1,684 6.41%
Roseburg, OR (FHA|USDA|VA) 4 $240,000 $60,000 $2,175 7.16%
GETTYSBURG, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,767 2.75%
Coos Bay, OR (FHA|USDA|VA) 1 $235,000 $235,000 $2,914 2.88%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $235,000 $78,333 $1,605 4.81%
CORVALLIS, OR (FHA|USDA|VA) 2 $230,000 $115,000 $2,146 4.36%
APPLETON, WI (FHA|USDA|VA) 2 $230,000 $115,000 $2,696 4.22%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $230,000 $115,000 $2,591 4.12%
Columbus, NE (FHA|USDA|VA) 1 $225,000 $225,000 $1,898 2.88%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $220,000 $110,000 $1,778 4.64%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $220,000 $36,667 $849 5.92%
OCALA, FL (FHA|USDA|VA) 4 $210,000 $52,500 $2,240 6.71%
MONROE, MI (FHA|USDA|VA) 4 $210,000 $52,500 $1,493 6.73%
MONROE, LA (FHA|USDA|VA) 4 $210,000 $52,500 $1,826 6.03%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $205,000 $205,000 $3,918 2.88%
Bozeman, MT (FHA|USDA|VA) 2 $200,000 $100,000 $1,923 5.30%
Lawrenceburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $1,470 2.50%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $195,000 $65,000 $1,144 7.25%
LAFAYETTE, LA (FHA|USDA|VA) 4 $190,000 $47,500 $2,042 6.50%
GADSDEN, AL (FHA|USDA|VA) 1 $185,000 $185,000 $1,895 2.88%
Sevierville, TN (FHA|USDA|VA) 3 $185,000 $61,667 $1,734 5.15%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $180,000 $90,000 $2,222 5.35%
HAMMOND, LA (FHA|USDA|VA) 3 $175,000 $58,333 $1,786 5.00%
Port Angeles, WA (FHA|USDA|VA) 3 $175,000 $58,333 $1,646 6.06%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $175,000 $58,333 $1,578 5.67%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $175,000 $175,000 $2,453 3.13%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $175,000 $175,000 $2,157 3.38%
KANKAKEE, IL (FHA|USDA|VA) 2 $170,000 $85,000 $2,835 4.06%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $170,000 $42,500 $1,492 7.89%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,077 2.75%
BILLINGS, MT (FHA|USDA|VA) 3 $165,000 $55,000 $2,162 6.88%
Aberdeen, WA (FHA|USDA|VA) 4 $160,000 $40,000 $1,652 6.29%
Newberry, SC (FHA|USDA|VA) 1 $155,000 $155,000 $1,692 5.00%
Lebanon, NH-VT (FHA|USDA|VA) 3 $155,000 $51,667 $1,531 5.36%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $155,000 $51,667 $2,041 4.77%
Fort Morgan, CO (FHA|USDA|VA) 3 $155,000 $51,667 $1,570 5.53%
La Grande, OR (FHA|USDA|VA) 1 $155,000 $155,000 $3,352 2.88%
LaGrange, GA-AL (FHA|USDA|VA) 2 $150,000 $75,000 $1,935 5.25%
Morehead City, NC (FHA|USDA|VA) 2 $150,000 $75,000 $1,850 4.41%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $150,000 $75,000 $2,029 4.72%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $150,000 $37,500 $1,279 5.76%
YAKIMA, WA (FHA|USDA|VA) 3 $145,000 $48,333 $1,711 5.93%
Weatherford, OK (FHA|USDA|VA) 1 $145,000 $145,000 $2,325 5.00%
IOWA CITY, IA (FHA|USDA|VA) 1 $145,000 $145,000 $2,208 2.75%
Cookeville, TN (FHA|USDA|VA) 3 $145,000 $48,333 $1,619 5.48%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $135,000 $45,000 $1,294 5.53%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $135,000 $45,000 $1,645 7.86%
RACINE, WI (FHA|USDA|VA) 3 $135,000 $45,000 $1,557 6.08%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $130,000 $65,000 $1,086 6.87%
Marquette, MI (FHA|USDA|VA) 2 $130,000 $65,000 $1,498 5.12%
Payson, AZ (FHA|USDA|VA) 3 $125,000 $41,667 $1,546 6.62%
Tifton, GA (FHA|USDA|VA) 3 $125,000 $41,667 $1,809 6.25%
GREEN BAY, WI (FHA|USDA|VA) 2 $120,000 $60,000 $1,895 4.99%
NEW BERN, NC (FHA|USDA|VA) 4 $120,000 $30,000 $1,163 6.17%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $120,000 $60,000 $1,525 6.19%
Barre, VT (FHA|USDA|VA) 1 $115,000 $115,000 $1,870 3.13%
Marion, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,595 3.00%
Zanesville, OH (FHA|USDA|VA) 3 $115,000 $38,333 $1,172 7.03%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $115,000 $38,333 $1,272 5.62%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $115,000 $38,333 $1,568 9.00%
Whitewater, WI (FHA|USDA|VA) 3 $115,000 $38,333 $1,537 5.20%
Prineville, OR (FHA|USDA|VA) 2 $110,000 $55,000 $1,793 5.52%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $110,000 $55,000 $1,699 6.30%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $110,000 $55,000 $1,946 5.35%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $105,000 $105,000 $1,226 5.00%
RENO, NV (FHA|USDA|VA) 1 $105,000 $105,000 $1,335 5.70%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $105,000 $35,000 $956 7.72%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $105,000 $35,000 $1,435 6.60%
BAY CITY, MI (FHA|USDA|VA) 1 $105,000 $105,000 $1,680 6.50%
Ellensburg, WA (FHA|USDA|VA) 1 $105,000 $105,000 $1,605 5.00%
London, KY (FHA|USDA|VA) 3 $105,000 $35,000 $1,688 5.55%
Norfolk, NE (FHA|USDA|VA) 1 $105,000 $105,000 $1,799 7.00%
Faribault-Northfield, MN (FHA|USDA|VA) 2 $100,000 $50,000 $1,678 6.26%
Menomonie, WI (FHA|USDA|VA) 2 $100,000 $50,000 $1,582 6.07%
St. Marys, GA (FHA|USDA|VA) 2 $100,000 $50,000 $1,657 5.14%
Durango, CO (FHA|USDA|VA) 2 $100,000 $50,000 $1,728 5.60%
GRANTS PASS, OR (FHA|USDA|VA) 2 $100,000 $50,000 $1,674 6.12%
JACKSON, MI (FHA|USDA|VA) 2 $100,000 $50,000 $1,847 6.35%
Marion, OH (FHA|USDA|VA) 1 $95,000 $95,000 $2,917 2.75%
Sandusky, OH (FHA|USDA|VA) 1 $95,000 $95,000 $1,935 2.50%
Bluefield, WV-VA (FHA|USDA|VA) 3 $95,000 $31,667 $1,496 5.57%
MUSKEGON, MI (FHA|USDA|VA) 3 $95,000 $31,667 $1,441 6.65%
Auburn, IN (FHA|USDA|VA) 1 $95,000 $95,000 $1,871 5.00%
Shelby, NC (FHA|USDA|VA) 2 $90,000 $45,000 $1,331 5.67%
ERIE, PA (FHA|USDA|VA) 2 $90,000 $45,000 $1,795 5.80%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $90,000 $45,000 $1,468 5.95%
BRUNSWICK, GA (FHA|USDA|VA) 2 $90,000 $45,000 $1,754 6.25%
Red Wing, MN (FHA|USDA|VA) 2 $90,000 $45,000 $2,220 5.47%
ALTOONA, PA (FHA|USDA|VA) 2 $90,000 $45,000 $1,738 5.82%
Washington Court House, OH (FHA|USDA|VA) 2 $90,000 $45,000 $1,363 6.15%
New Castle, IN (FHA|USDA|VA) 1 $85,000 $85,000 $1,559 5.54%
Arcadia, FL (FHA|USDA|VA) 1 $85,000 $85,000 $2,144 5.90%
ROME, GA (FHA|USDA|VA) 1 $85,000 $85,000 $1,846 5.54%
Hutchinson, MN (FHA|USDA|VA) 1 $85,000 $85,000 $1,692 4.79%
Paducah, KY-IL (FHA|USDA|VA) 1 $85,000 $85,000 $1,972 5.84%
GRAND ISLAND, NE (FHA|USDA|VA) 3 $85,000 $28,333 $1,668 5.82%
Huntingdon, PA (FHA|USDA|VA) 1 $85,000 $85,000 $2,730 2.63%
MANKATO, MN (FHA|USDA|VA) 2 $80,000 $40,000 $1,875 5.90%
Alexandria, MN (FHA|USDA|VA) 2 $80,000 $40,000 $1,679 5.89%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $80,000 $40,000 $1,377 5.22%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 2 $80,000 $40,000 $1,624 5.42%
Red Bluff, CA (FHA|USDA|VA) 2 $80,000 $40,000 $1,632 5.85%
YUBA CITY, CA (FHA|USDA|VA) 2 $80,000 $40,000 $1,852 5.80%
Scottsboro, AL (FHA|USDA|VA) 1 $75,000 $75,000 $2,469 10.34%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $75,000 $75,000 $1,786 5.40%
Glenwood Springs, CO (FHA|USDA|VA) 1 $75,000 $75,000 $1,761 5.80%
Brainerd, MN (FHA|USDA|VA) 1 $75,000 $75,000 $1,977 5.00%
Cullman, AL (FHA|USDA|VA) 1 $75,000 $75,000 $2,232 5.50%
Greenwood, SC (FHA|USDA|VA) 1 $75,000 $75,000 $1,964 4.79%
Susanville, CA (FHA|USDA|VA) 1 $75,000 $75,000 $1,769 5.84%
Cedartown, GA (FHA|USDA|VA) 1 $75,000 $75,000 $1,936 6.54%
Logansport, IN (FHA|USDA|VA) 1 $75,000 $75,000 $1,550 6.74%
FORT WAYNE, IN (FHA|USDA|VA) 2 $70,000 $35,000 $1,379 8.17%
Willmar, MN (FHA|USDA|VA) 2 $70,000 $35,000 $1,710 5.20%
BANGOR, ME (FHA|USDA|VA) 2 $70,000 $35,000 $1,619 5.45%
North Wilkesboro, NC (FHA|USDA|VA) 2 $70,000 $35,000 $1,216 8.45%
Klamath Falls, OR (FHA|USDA|VA) 2 $70,000 $35,000 $1,710 5.82%
MONTGOMERY, AL (FHA|USDA|VA) 2 $70,000 $35,000 $1,610 5.90%
MOBILE, AL (FHA|USDA|VA) 2 $70,000 $35,000 $1,703 6.57%
SHEBOYGAN, WI (FHA|USDA|VA) 2 $70,000 $35,000 $756 7.95%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $70,000 $35,000 $1,685 5.55%
LAWTON, OK (FHA|USDA|VA) 1 $65,000 $65,000 $1,860 4.79%
Stillwater, OK (FHA|USDA|VA) 1 $65,000 $65,000 $1,667 5.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $65,000 $65,000 $1,768 9.74%
Mineral Wells, TX (FHA|USDA|VA) 1 $65,000 $65,000 $1,120 5.69%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $65,000 $65,000 $1,793 5.44%
Lincoln, IL (FHA|USDA|VA) 1 $65,000 $65,000 $1,420 10.69%
Freeport, IL (FHA|USDA|VA) 1 $65,000 $65,000 $1,552 5.00%
McAlester, OK (FHA|USDA|VA) 2 $60,000 $30,000 $1,781 6.42%
Albemarle, NC (FHA|USDA|VA) 2 $60,000 $30,000 $1,139 7.22%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $60,000 $30,000 $1,400 5.52%
Mount Sterling, KY (FHA|USDA|VA) 2 $60,000 $30,000 $1,866 5.50%
DOTHAN, AL (FHA|USDA|VA) 2 $60,000 $30,000 $1,633 8.00%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $60,000 $30,000 $1,669 5.47%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $60,000 $30,000 $1,530 6.12%
Bemidji, MN (FHA|USDA|VA) 1 $55,000 $55,000 $1,553 6.70%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $55,000 $55,000 $1,423 5.70%
GREENVILLE, NC (FHA|USDA|VA) 1 $55,000 $55,000 $1,608 6.00%
Kinston, NC (FHA|USDA|VA) 1 $55,000 $55,000 $1,553 5.85%
Frankfort, IN (FHA|USDA|VA) 1 $55,000 $55,000 $1,554 5.20%
MANHATTAN, KS (FHA|USDA|VA) 1 $55,000 $55,000 $2,251 5.50%
ENID, OK (FHA|USDA|VA) 1 $55,000 $55,000 $1,786 5.20%
Mountain Home, AR (FHA|USDA|VA) 1 $55,000 $55,000 $1,763 9.90%
New Castle, PA (FHA|USDA|VA) 1 $55,000 $55,000 $1,512 5.20%
Crescent City, CA (FHA|USDA|VA) 1 $55,000 $55,000 $1,760 6.25%
Blytheville, AR (FHA|USDA|VA) 1 $55,000 $55,000 $2,047 5.20%
STAUNTON, VA (FHA|USDA|VA) 1 $55,000 $55,000 $1,531 5.70%
Ashland, OH (FHA|USDA|VA) 1 $55,000 $55,000 $940 8.60%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $55,000 $55,000 $1,518 5.75%
ALBANY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $1,754 10.10%
Tiffin, OH (FHA|USDA|VA) 2 $50,000 $25,000 $1,086 5.45%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $50,000 $25,000 $1,362 8.07%
Starkville, MS (FHA|USDA|VA) 2 $50,000 $25,000 $1,795 6.45%
North Platte, NE (FHA|USDA|VA) 1 $45,000 $45,000 $1,747 5.20%
Nogales, AZ (FHA|USDA|VA) 1 $45,000 $45,000 $1,484 5.70%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $45,000 $45,000 $1,614 5.60%
Moses Lake, WA (FHA|USDA|VA) 1 $45,000 $45,000 $1,711 6.20%
Butte-Silver Bow, MT (FHA|USDA|VA) 1 $45,000 $45,000 $1,710 6.90%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $45,000 $45,000 $1,426 9.90%
Rochelle, IL (FHA|USDA|VA) 1 $45,000 $45,000 $1,624 7.10%
Plymouth, IN (FHA|USDA|VA) 1 $45,000 $45,000 $1,919 5.70%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $45,000 $45,000 $1,317 7.70%
Lake City, FL (FHA|USDA|VA) 1 $45,000 $45,000 $2,546 10.30%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $45,000 $45,000 $1,979 5.20%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $45,000 $45,000 $1,534 4.95%
OWENSBORO, KY (FHA|USDA|VA) 1 $45,000 $45,000 $1,577 5.60%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $45,000 $45,000 $1,628 6.90%
Lewisburg, TN (FHA|USDA|VA) 1 $45,000 $45,000 $1,535 5.20%
Warsaw, IN (FHA|USDA|VA) 1 $45,000 $45,000 $1,463 10.30%
Adrian, MI (FHA|USDA|VA) 1 $45,000 $45,000 $1,464 6.70%
MANSFIELD, OH (FHA|USDA|VA) 1 $45,000 $45,000 $1,297 4.95%
Scottsbluff, NE (FHA|USDA|VA) 1 $45,000 $45,000 $1,727 6.80%
The Dalles, OR (FHA|USDA|VA) 1 $45,000 $45,000 $2,001 11.00%
Celina, OH (FHA|USDA|VA) 1 $45,000 $45,000 $857 8.75%
DALTON, GA (FHA|USDA|VA) 1 $35,000 $35,000 $1,779 5.80%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $35,000 $35,000 $1,498 4.75%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $35,000 $35,000 $1,502 5.40%
Pottsville, PA (FHA|USDA|VA) 1 $35,000 $35,000 $1,604 6.50%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $35,000 $35,000 $903 7.60%
Oak Harbor, WA (FHA|USDA|VA) 1 $35,000 $35,000 $1,698 6.80%
Bardstown, KY (FHA|USDA|VA) 1 $35,000 $35,000 $1,629 5.20%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $35,000 $35,000 $1,737 10.10%
Morgan City, LA (FHA|USDA|VA) 1 $35,000 $35,000 $1,759 5.20%
Miami, OK (FHA|USDA|VA) 1 $35,000 $35,000 $1,617 5.20%
Toccoa, GA (FHA|USDA|VA) 1 $35,000 $35,000 $1,798 6.10%
Enterprise, AL (FHA|USDA|VA) 1 $35,000 $35,000 $1,740 5.20%
Marinette, WI-MI (FHA|USDA|VA) 1 $35,000 $35,000 $1,518 10.30%
Astoria, OR (FHA|USDA|VA) 1 $35,000 $35,000 $1,784 5.70%
Ludington, MI (FHA|USDA|VA) 1 $35,000 $35,000 $1,527 6.70%
Ardmore, OK (FHA|USDA|VA) 1 $35,000 $35,000 $2,211 6.10%
FLORENCE, SC (FHA|USDA|VA) 1 $35,000 $35,000 $1,808 5.20%
Lexington, NE (FHA|USDA|VA) 1 $35,000 $35,000 $1,649 5.60%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $35,000 $35,000 $1,227 4.95%
LAWRENCE, KS (FHA|USDA|VA) 1 $35,000 $35,000 $1,657 5.20%
Laurinburg, NC (FHA|USDA|VA) 1 $35,000 $35,000 $1,159 6.10%
Fremont, NE (FHA|USDA|VA) 1 $35,000 $35,000 $1,757 5.80%
Kalispell, MT (FHA|USDA|VA) 1 $35,000 $35,000 $1,869 10.00%
Jennings, LA (FHA|USDA|VA) 1 $35,000 $35,000 $1,817 5.70%
Brookhaven, MS (FHA|USDA|VA) 1 $35,000 $35,000 $1,624 5.20%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $25,000 $25,000 $1,514 5.25%
Selma, AL (FHA|USDA|VA) 1 $25,000 $25,000 $1,617 6.05%
Keene, NH (FHA|USDA|VA) 1 $25,000 $25,000 $1,564 6.85%
Ada, OK (FHA|USDA|VA) 1 $25,000 $25,000 $1,682 5.75%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $25,000 $25,000 $1,674 5.25%
Kearney, NE (FHA|USDA|VA) 1 $25,000 $25,000 $1,561 6.25%
Frankfort, KY (FHA|USDA|VA) 1 $25,000 $25,000 $1,625 5.25%
Ontario, OR-ID (FHA|USDA|VA) 1 $25,000 $25,000 $1,882 5.00%
AMES, IA (FHA|USDA|VA) 1 $25,000 $25,000 $1,138 5.45%
Lewistown, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,308 5.50%
Coshocton, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,013 5.65%
Greenville, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,070 5.25%
Helena, MT (FHA|USDA|VA) 1 $25,000 $25,000 $1,652 9.65%
Waycross, GA (FHA|USDA|VA) 1 $25,000 $25,000 $1,563 5.90%
Lewisburg, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,353 6.55%
Salem, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,157 9.60%
Elizabeth City, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,120 5.75%
Tahlequah, OK (FHA|USDA|VA) 1 $25,000 $25,000 $1,947 6.35%
Cambridge, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,134 5.75%
Edwards, CO (FHA|USDA|VA) 1 $25,000 $25,000 $1,262 6.00%
SAGINAW, MI (FHA|USDA|VA) 1 $25,000 $25,000 $1,523 5.75%
Norwalk, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,017 5.25%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $25,000 $25,000 $1,642 6.45%
JACKSON, MS (FHA|USDA|VA) 1 $25,000 $25,000 $1,618 5.25%
Emporia, KS (FHA|USDA|VA) 1 $25,000 $25,000 $1,495 10.05%
DuBois, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,287 6.05%
Centralia, WA (FHA|USDA|VA) 1 $25,000 $25,000 $1,596 7.65%
Fremont, OH (FHA|USDA|VA) 1 $25,000 $25,000 $673 8.85%
PANAMA CITY, FL (FHA|USDA|VA) 1 $25,000 $25,000 $1,999 7.25%
GOLDSBORO, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,246 10.05%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,376 6.50%
FARGO, ND-MN (FHA|USDA|VA) 1 $25,000 $25,000 $1,567 5.00%
Wilmington, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,077 9.85%
Findlay, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,061 5.25%
Spring Eq's top markets include Los Angeles, Phoenix, Philadelphia, Washington, and San Francisco among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,120 $731,830,000 $119,580 $2,058 5.32%
    FHA 1 $145,000 $145,000 $3,001 2.75%

    For 2020, Spring Eq's most frequently originated type of loan was Conventional, with 6,120 originations. Their 2nd most popular type was FHA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 2,595 $166,605,000 $64,202 $1,780 6.28%
    Home Improvement 1,490 $94,800,000 $63,624 $1,765 6.03%
    Refi 1,259 $308,625,000 $245,135 $2,564 3.39%
    Cash Out Refi 700 $151,180,000 $215,971 $2,784 3.73%
    Home Purchase 77 $10,765,000 $139,805 $2,222 5.52%

    For 2020, Spring Eq's most frequently cited loan purpose was Other, with 2,595 originations. The 2nd most popular reason was Home Improvement, with 1,490 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 2,838 $217,540,000 $76,653 $1,849 5.79%
    30 Year 1,846 $377,700,000 $204,605 $2,479 4.67%
    15 Year 875 $95,675,000 $109,343 $2,010 4.98%
    10 Year 425 $24,275,000 $57,118 $1,726 5.74%
    5 Year 71 $3,015,000 $42,465 $1,594 5.86%
    Other 66 $13,770,000 $208,636 $2,532 4.69%

    For 2020, Spring Eq's most frequently cited loan duration was 20 Year, with 2,838 originations. The 2nd most popular length was 30 Year, with 1,846 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 5,732 $705,260,000 $123,039
    $1k-2k 367 $24,405,000 $66,499
    $2k-3k 14 $1,360,000 $97,143
    $3k-4k 4 $610,000 $152,500
    $4k-5k 1 $235,000 $235,000

    Spring Eq's average total fees were $2,479, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,732 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2,074 $133,990,000 $64,605
    2.5-3% 1,063 $292,625,000 $275,282
    6-7% 1,041 $68,525,000 $65,826
    4-5% 746 $70,790,000 $94,893
    Over 8% 442 $27,620,000 $62,489
    <2.5% 307 $84,585,000 $275,521
    7-8% 283 $14,375,000 $50,795
    3-4% 165 $39,465,000 $239,182

    During 2020, Spring Eq's average interest rate for loans was 4.67%, while their most frequently originated rate bucket for loans was 5-6%, with 2,074 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,842 $195,360,000 $50,849 $1,727 6.20%
    $200k-400k 1,059 $294,695,000 $278,277 $2,865 3.11%
    $100k-200k 1,007 $143,225,000 $142,229 $2,224 4.83%
    $400k-600k 208 $95,200,000 $457,692 $3,180 2.92%
    $600k-1MM 5 $3,495,000 $699,000 $5,295 2.95%

    2020 saw Spring Eq place emphasis on $100,000 or less loans with 3,842 originations, totaling $195,360,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,855 $215,055,000 $115,933 $2,034 5.39%
    $150k-250k 1,390 $182,380,000 $131,209 $2,081 5.48%
    $75k-100k 1,063 $120,465,000 $113,325 $2,051 5.22%
    $50k-75k 993 $106,475,000 $107,226 $2,038 5.14%
    $250k+ 468 $73,660,000 $157,393 $2,152 5.58%
    $50k or less 352 $33,940,000 $96,420 $2,047 4.83%

    Spring Eq lent most frequently to those with incomes in the $100k-150k range, with 1,855 originations. The second most popular income band? $150k-250k, with 1,390 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,254 $145,800,000 $116,268 $2,051 5.32%
    20-30% 1,169 $163,835,000 $140,150 $2,120 4.69%
    42% 873 $74,405,000 $85,229 $1,923 6.23%
    41% 453 $44,235,000 $97,649 $1,990 5.89%
    40% 418 $37,220,000 $89,043 $1,870 5.96%
    39% 364 $34,520,000 $94,835 $1,936 5.78%
    38% 340 $35,120,000 $103,294 $2,050 5.52%
    <20% 319 $54,845,000 $171,928 $2,323 3.96%
    36% 279 $29,925,000 $107,258 $1,987 5.49%
    37% 272 $28,490,000 $104,743 $1,900 5.65%
    43% 81 $17,055,000 $210,556 $2,327 4.13%
    45% 62 $15,230,000 $245,645 $2,601 3.43%
    49% 54 $10,330,000 $191,296 $2,517 4.71%
    44% 53 $12,455,000 $235,000 $2,873 3.49%
    47% 46 $10,760,000 $233,913 $2,498 4.05%
    48% 45 $8,735,000 $194,111 $2,517 4.28%
    46% 32 $7,470,000 $233,438 $2,603 3.99%
    50-60% 5 $1,295,000 $259,000 $3,327 2.68%
    >60% 2 $250,000 $125,000 $1,945 4.90%

    Spring Eq lent most frequently to those with DTI ratios of 30-36%, with 1,254 originations. The next most common DTI ratio? 20-30%, with 1,169 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,284 $461,210,000 $107,659 $1,993 5.48%
    Not provided 1,233 $183,355,000 $148,706 $2,249 4.85%
    Asian 287 $53,865,000 $187,683 $2,254 4.66%
    Black 245 $23,205,000 $94,714 $1,928 5.79%
    American Indian 29 $3,175,000 $109,483 $1,883 5.71%
    Asian Indian 10 $3,070,000 $307,000 $3,573 3.91%
    Native Hawaiian or Islander 22 $1,420,000 $64,545 $1,846 6.41%
    Other Asian 4 $850,000 $212,500 $1,727 3.92%
    Japanese 2 $760,000 $380,000 $5,968 2.63%
    Chinese 1 $625,000 $625,000 $9,934 2.63%
    Other Pacific Islander 2 $300,000 $150,000 $2,189 5.27%
    Filipino 1 $85,000 $85,000 $1,930 4.79%
    Vietnamese 1 $55,000 $55,000 $1,809 5.20%

    Approval Rates

    Total approvals of all applications
    59.97%

    Spring Eq has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    -16.11%

    Spring Eq 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 6,121 $731,975,000 $119,584

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 6,121 $731,975,000 $119,584

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,335 $142,005,000 $106,371 $1,987 5.74%
    40-60% 522 $127,980,000 $245,172 $2,617 3.22%
    60-80% 789 $223,145,000 $282,820 $2,947 2.83%
    80-100% 135 $41,435,000 $306,926 $3,291 2.84%
    Under 20% 3,340 $197,410,000 $59,105 $1,739 6.18%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Spring Equity LLC Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 100.0%