Spring Eq Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 549300PIL8LFAQ04XC20
Tax ID: 37-1801711
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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% | 12/16/24 |
| 30 Year Conventional Purchase | 9.83% | 12/16/24 |
| 30 Year Conventional Refi | 9.63% | 12/16/24 |
| 30 Year Cash-out Refi | 8.03% | 12/16/24 |
| 30 Year FHA Purchase | 6.27% | 12/16/24 |
| 30 Year FHA Refi | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 9.25% | 12/16/24 |
| 15 Year Conventional Refi | 9.26% | 12/16/24 |
| 15 Year Cash-out Refi | 9.26% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Spring Eq Mortgage Calculator
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This is not an official calculator from Spring Eq. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,121Origination Dollar Volume (All Markets)
$731,975,000Awards
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SPRING EQ - 2020
SPRING EQ is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 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% |
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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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications59.97%
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
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% |