Bay Equity Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 549300PL8ER6H23P0Z91

Tax ID: 26-0360466

2 stars - Updated: 12/1/23 - out of 5 stars, based on 114 reviews

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

Jump to:

Mortgage Data

Review & Overview

Bay Equity is a mid-sized mortgage company specializing in Home Purchase loans. Bay Equity has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Seattle, Phoenix, San Diego, Minneapolis, and Chicago among others. We have data for 415 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bay Equity has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bay Equity is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have 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
30 Year Conventional Purchase 6.63% 12/1/23
30 Year Conventional Refi 6.55% 12/1/23
30 Year Cash-out Refi 6.78% 12/1/23
30 Year FHA Purchase 7.49% 12/1/23
30 Year FHA Refi 7.02% 12/1/23
30 Year VA Purchase 6.27% 12/1/23
30 Year VA Refi 6.19% 12/1/23
30 Year USDA Purchase 6.74% 12/1/23
30 Year USDA Refi 6.27% 12/1/23
15 Year Conventional Purchase 6.02% 12/1/23
15 Year Conventional Refi 6.10% 12/1/23
15 Year Cash-out Refi 6.10% 12/1/23
15 Year FHA Purchase 5.68% 12/1/23
15 Year FHA Refi 7.10% 12/1/23
15 Year VA Refi 5.92% 12/1/23
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.

Bay Equity Mortgage Calculator






Your Estimates

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

This is not an official calculator from Bay Equity. 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

12,990

Origination Dollar Volume (All Markets)

$5,014,320,000
Show all (22) awards

Relative Rate

Bay Equity's average 30 year fixed mortgage rate was 5.06%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.3%.

Relative Fees (Closing Costs)

Bay Equity's average total fees/closing costs for a 30 year fixed rate mortgage were $8,579.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

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
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 886 $446,650,000 $504,120 $10,763 5.13%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 753 $295,185,000 $392,012 $8,745 4.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 403 $252,325,000 $626,117 $11,021 4.66%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 820 $251,870,000 $307,159 $7,277 5.06%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 820 $229,840,000 $280,293 $8,444 5.35%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 568 $210,880,000 $371,268 $9,275 4.98%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 376 $177,700,000 $472,606 $8,349 5.61%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 214 $160,840,000 $751,589 $11,471 4.94%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 259 $158,635,000 $612,490 $12,219 4.90%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 279 $134,875,000 $483,423 $6,615 5.00%
Glenwood Springs, CO (FHA|USDA|VA) 304 $127,800,000 $420,395 $7,064 4.75%
COLORADO SPRINGS, CO (FHA|USDA|VA) 310 $121,030,000 $390,419 $8,562 4.80%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 225 $97,615,000 $433,844 $8,507 5.11%
Kalispell, MT (FHA|USDA|VA) 216 $89,160,000 $412,778 $7,343 4.70%
GRAND JUNCTION, CO (FHA|USDA|VA) 275 $88,245,000 $320,891 $5,239 3.91%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 147 $82,045,000 $558,129 $7,865 4.85%
Outside of Metro Areas 275 $79,595,000 $289,436 $7,308 4.82%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 181 $74,025,000 $408,978 $8,462 5.52%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 191 $71,305,000 $373,325 $7,971 5.08%
RENO, NV (FHA|USDA|VA) 155 $68,245,000 $440,290 $10,440 4.85%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 155 $66,875,000 $431,452 $11,507 5.02%
Gillette, WY (FHA|USDA|VA) 243 $58,955,000 $242,613 $7,182 4.57%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 140 $56,540,000 $403,857 $7,446 5.60%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 124 $55,120,000 $444,516 $8,071 5.41%
ST. GEORGE, UT (FHA|USDA|VA) 116 $47,030,000 $405,431 $10,596 4.64%
LOUISVILLE, KY (FHA|USDA|VA) 200 $42,670,000 $213,350 $4,501 4.15%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 102 $42,290,000 $414,608 $11,763 5.18%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 108 $38,300,000 $354,630 $8,236 5.07%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 169 $36,725,000 $217,308 $6,373 4.31%
ASHEVILLE, NC (FHA|USDA|VA) 89 $33,815,000 $379,944 $8,293 4.85%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 41 $33,455,000 $815,976 $7,026 4.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 117 $33,175,000 $283,547 $6,708 5.29%
FRESNO, CA (FHA|USDA|VA) 105 $32,765,000 $312,048 $8,634 4.64%
ALBUQUERQUE, NM (FHA|USDA|VA) 115 $31,875,000 $277,174 $5,628 5.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 67 $30,345,000 $452,910 $7,848 5.57%
BOISE CITY, ID (FHA|USDA|VA) 71 $30,345,000 $427,394 $9,905 5.29%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 61 $29,065,000 $476,475 $8,337 5.17%
WORCESTER, MA-CT (FHA|USDA|VA) 89 $28,505,000 $320,281 $7,029 4.85%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 59 $26,555,000 $450,085 $10,114 5.41%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 78 $23,360,000 $299,487 $7,930 5.21%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 51 $22,515,000 $441,471 $10,709 5.10%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 62 $21,290,000 $343,387 $7,724 5.46%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 66 $20,610,000 $312,273 $8,531 5.21%
LEWISTON, ID-WA (FHA|USDA|VA) 74 $19,920,000 $269,189 $8,550 5.35%
COLUMBIA, SC (FHA|USDA|VA) 80 $19,530,000 $244,125 $7,160 4.99%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 41 $19,395,000 $473,049 $6,275 5.50%
TUCSON, AZ (FHA|USDA|VA) 65 $18,805,000 $289,308 $7,267 5.23%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 58 $18,210,000 $313,966 $6,407 5.63%
OKLAHOMA CITY, OK (FHA|USDA|VA) 63 $17,635,000 $279,921 $7,237 5.02%
MONTGOMERY, AL (FHA|USDA|VA) 78 $17,180,000 $220,256 $6,168 4.94%
STOCKTON, CA (FHA|USDA|VA) 39 $16,755,000 $429,615 $10,605 5.25%
SALINAS, CA (FHA|USDA|VA) 28 $16,600,000 $592,857 $15,828 4.47%
VALLEJO, CA (FHA|USDA|VA) 31 $16,385,000 $528,548 $9,735 4.99%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 38 $16,000,000 $421,053 $9,488 4.91%
PORT ST. LUCIE, FL (FHA|USDA|VA) 45 $15,525,000 $345,000 $10,243 5.15%
SALT LAKE CITY, UT (FHA|USDA|VA) 33 $15,505,000 $469,848 $10,462 5.31%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 51 $14,995,000 $294,020 $6,250 4.90%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 37 $14,675,000 $396,622 $9,324 5.02%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 41 $14,415,000 $351,585 $9,010 4.94%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 39 $13,445,000 $344,744 $6,856 5.27%
Edwards, CO (FHA|USDA|VA) 23 $13,075,000 $568,478 $8,308 4.54%
URBAN HONOLULU, HI (FHA|USDA|VA) 17 $12,515,000 $736,176 $17,511 4.35%
JACKSONVILLE, FL (FHA|USDA|VA) 43 $12,335,000 $286,860 $7,685 5.39%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 28 $11,150,000 $398,214 $9,786 5.54%
BOULDER, CO (FHA|USDA|VA) 13 $10,915,000 $839,615 $5,648 4.86%
BRUNSWICK, GA (FHA|USDA|VA) 30 $10,870,000 $362,333 $8,927 4.95%
Sevierville, TN (FHA|USDA|VA) 28 $10,790,000 $385,357 $9,676 4.88%
KNOXVILLE, TN (FHA|USDA|VA) 43 $10,785,000 $250,814 $7,670 4.85%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 34 $10,640,000 $312,941 $6,503 5.51%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 43 $10,515,000 $244,535 $7,744 4.78%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 32 $10,510,000 $328,438 $10,008 5.20%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 17 $9,645,000 $567,353 $7,959 4.72%
RALEIGH-CARY, NC (FHA|USDA|VA) 25 $9,535,000 $381,400 $9,640 5.46%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 15 $9,325,000 $621,667 $7,735 4.44%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 34 $9,110,000 $267,941 $7,888 5.10%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 14 $8,880,000 $634,286 $9,520 4.99%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 28 $8,840,000 $315,714 $6,316 5.62%
PUNTA GORDA, FL (FHA|USDA|VA) 28 $8,350,000 $298,214 $7,048 4.69%
BAKERSFIELD, CA (FHA|USDA|VA) 26 $8,240,000 $316,923 $8,404 5.40%
Shelton, WA (FHA|USDA|VA) 23 $8,055,000 $350,217 $10,478 5.24%
FORT COLLINS, CO (FHA|USDA|VA) 18 $8,020,000 $445,556 $5,653 5.52%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 27 $7,855,000 $290,926 $7,850 5.55%
PROVO-OREM, UT (FHA|USDA|VA) 16 $7,690,000 $480,625 $8,553 5.19%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 18 $7,670,000 $426,111 $8,661 5.40%
BELLINGHAM, WA (FHA|USDA|VA) 16 $7,490,000 $468,125 $9,219 4.69%
Montrose, CO (FHA|USDA|VA) 27 $7,445,000 $275,741 $4,896 3.91%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 12 $7,400,000 $616,667 $10,101 5.07%
Oak Harbor, WA (FHA|USDA|VA) 16 $7,370,000 $460,625 $7,908 4.69%
SPRINGFIELD, MA (FHA|USDA|VA) 26 $7,350,000 $282,692 $7,745 4.70%
GREELEY, CO (FHA|USDA|VA) 15 $7,165,000 $477,667 $9,217 5.28%
Payson, AZ (FHA|USDA|VA) 27 $6,955,000 $257,593 $6,976 5.04%
ST. CLOUD, MN (FHA|USDA|VA) 28 $6,950,000 $248,214 $7,020 4.89%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 21 $6,535,000 $311,190 $5,490 5.41%
ROCHESTER, MN (FHA|USDA|VA) 27 $6,085,000 $225,370 $7,123 5.09%
ST. LOUIS, MO-IL (FHA|USDA|VA) 23 $5,845,000 $254,130 $5,507 5.55%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 18 $5,720,000 $317,778 $7,506 5.59%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 20 $5,250,000 $262,500 $5,788 5.67%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 22 $5,220,000 $237,273 $6,922 6.16%
Ellensburg, WA (FHA|USDA|VA) 12 $5,160,000 $430,000 $8,062 5.36%
SAVANNAH, GA (FHA|USDA|VA) 18 $4,980,000 $276,667 $7,293 5.26%
PUEBLO, CO (FHA|USDA|VA) 17 $4,915,000 $289,118 $8,655 4.49%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 16 $4,790,000 $299,375 $8,746 5.33%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 13 $4,505,000 $346,538 $5,480 5.21%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 14 $4,470,000 $319,286 $7,918 5.56%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 15 $4,445,000 $296,333 $6,538 5.07%
SALEM, OR (FHA|USDA|VA) 11 $4,415,000 $401,364 $8,601 5.16%
Centralia, WA (FHA|USDA|VA) 13 $4,405,000 $338,846 $11,765 4.57%
MODESTO, CA (FHA|USDA|VA) 14 $4,400,000 $314,286 $8,061 5.71%
Torrington, CT (FHA|USDA|VA) 22 $4,300,000 $195,455 $6,851 4.69%
Fernley, NV (FHA|USDA|VA) 14 $4,240,000 $302,857 $9,893 5.17%
Brainerd, MN (FHA|USDA|VA) 16 $4,180,000 $261,250 $7,377 5.05%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 13 $4,075,000 $313,462 $7,936 4.86%
BEND, OR (FHA|USDA|VA) 9 $4,055,000 $450,556 $7,132 5.67%
Aberdeen, WA (FHA|USDA|VA) 13 $3,985,000 $306,538 $9,878 5.37%
Safford, AZ (FHA|USDA|VA) 17 $3,945,000 $232,059 $9,430 4.80%
Steamboat Springs, CO (FHA|USDA|VA) 11 $3,865,000 $351,364 $3,583 3.49%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 5 $3,755,000 $751,000 $11,224 4.50%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 15 $3,685,000 $245,667 $5,678 6.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 13 $3,635,000 $279,615 $9,921 5.28%
MADERA, CA (FHA|USDA|VA) 11 $3,635,000 $330,455 $10,311 4.82%
Truckee-Grass Valley, CA (FHA|USDA|VA) 6 $3,590,000 $598,333 $8,383 4.42%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 8 $3,440,000 $430,000 $7,247 4.65%
CARSON CITY, NV (FHA|USDA|VA) 9 $3,435,000 $381,667 $7,830 4.07%
Cedar City, UT (FHA|USDA|VA) 12 $3,400,000 $283,333 $7,921 4.43%
LONGVIEW, WA (FHA|USDA|VA) 9 $3,395,000 $377,222 $8,596 5.46%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $2,980,000 $372,500 $7,811 5.51%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 6 $2,830,000 $471,667 $8,240 5.81%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 9 $2,825,000 $313,889 $10,139 5.67%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 9 $2,775,000 $308,333 $7,067 5.37%
GAINESVILLE, GA (FHA|USDA|VA) 6 $2,770,000 $461,667 $8,160 4.69%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 11 $2,745,000 $249,545 $5,634 5.03%
COLUMBUS, OH (FHA|USDA|VA) 9 $2,735,000 $303,889 $5,028 5.61%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $2,730,000 $455,000 $9,535 4.98%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $2,495,000 $356,429 $10,110 5.73%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 6 $2,490,000 $415,000 $11,571 5.54%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $2,350,000 $293,750 $10,534 5.45%
THE VILLAGES, FL (FHA|USDA|VA) 6 $2,320,000 $386,667 $7,538 4.90%
OCALA, FL (FHA|USDA|VA) 10 $2,300,000 $230,000 $6,736 5.94%
Traverse City, MI (FHA|USDA|VA) 2 $2,250,000 $1,125,000 $5,984 6.18%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 10 $2,240,000 $224,000 $7,525 4.11%
RICHMOND, VA (FHA|USDA|VA) 7 $2,235,000 $319,286 $5,384 5.52%
Alexander City, AL (FHA|USDA|VA) 8 $2,210,000 $276,250 $7,569 4.84%
CORVALLIS, OR (FHA|USDA|VA) 6 $2,200,000 $366,667 $11,411 4.17%
Outside of Metro Areas 6 $2,150,000 $358,333 $7,256 5.90%
PITTSFIELD, MA (FHA|USDA|VA) 9 $2,125,000 $236,111 $7,442 5.16%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 5 $2,125,000 $425,000 $7,983 5.45%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 7 $2,095,000 $299,286 $5,516 5.93%
Show Low, AZ (FHA|USDA|VA) 6 $2,090,000 $348,333 $8,705 3.92%
TULSA, OK (FHA|USDA|VA) 9 $2,085,000 $231,667 $9,231 5.69%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 7 $2,075,000 $296,429 $8,930 4.73%
DULUTH, MN-WI (FHA|USDA|VA) 12 $2,070,000 $172,500 $5,743 4.70%
MERCED, CA (FHA|USDA|VA) 6 $2,060,000 $343,333 $12,496 3.83%
Owatonna, MN (FHA|USDA|VA) 12 $2,040,000 $170,000 $4,810 4.87%
FLAGSTAFF, AZ (FHA|USDA|VA) 7 $2,035,000 $290,714 $6,459 4.80%
Gardnerville Ranchos, NV (FHA|USDA|VA) 5 $2,025,000 $405,000 $8,860 5.28%
Concord, NH (FHA|USDA|VA) 6 $2,000,000 $333,333 $5,587 4.94%
Port Angeles, WA (FHA|USDA|VA) 6 $1,950,000 $325,000 $9,983 4.92%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 10 $1,940,000 $194,000 $4,283 5.64%
SANTA FE, NM (FHA|USDA|VA) 5 $1,865,000 $373,000 $5,815 4.60%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 5 $1,825,000 $365,000 $5,466 6.13%
Hilo, HI (FHA|USDA|VA) 2 $1,810,000 $905,000 $16,541 5.13%
Sandpoint, ID (FHA|USDA|VA) 3 $1,805,000 $601,667 $8,580 5.12%
Faribault-Northfield, MN (FHA|USDA|VA) 6 $1,800,000 $300,000 $7,446 5.00%
SPARTANBURG, SC (FHA|USDA|VA) 6 $1,770,000 $295,000 $7,775 4.66%
Fallon, NV (FHA|USDA|VA) 6 $1,770,000 $295,000 $10,740 5.21%
MISSOULA, MT (FHA|USDA|VA) 4 $1,750,000 $437,500 $12,530 5.25%
WINCHESTER, VA-WV (FHA|USDA|VA) 5 $1,745,000 $349,000 $7,731 5.40%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,745,000 $581,667 $10,459 6.04%
Helena, MT (FHA|USDA|VA) 4 $1,720,000 $430,000 $9,806 5.15%
YUBA CITY, CA (FHA|USDA|VA) 4 $1,700,000 $425,000 $10,225 5.56%
Bozeman, MT (FHA|USDA|VA) 3 $1,685,000 $561,667 $6,971 4.17%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $1,660,000 $830,000 $7,099 3.50%
Cañon City, CO (FHA|USDA|VA) 6 $1,590,000 $265,000 $9,368 5.06%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 4 $1,570,000 $392,500 $4,916 5.81%
Laconia, NH (FHA|USDA|VA) 5 $1,565,000 $313,000 $9,340 5.03%
CLEVELAND, TN (FHA|USDA|VA) 6 $1,480,000 $246,667 $7,962 6.46%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,475,000 $295,000 $6,559 5.47%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $1,450,000 $241,667 $4,078 5.38%
VISALIA, CA (FHA|USDA|VA) 5 $1,445,000 $289,000 $7,769 5.10%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 5 $1,435,000 $287,000 $7,241 5.22%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,395,000 $279,000 $7,833 6.07%
Pahrump, NV (FHA|USDA|VA) 5 $1,385,000 $277,000 $10,052 4.65%
PITTSBURGH, PA (FHA|USDA|VA) 4 $1,380,000 $345,000 $12,958 5.78%
Moses Lake, WA (FHA|USDA|VA) 5 $1,365,000 $273,000 $7,991 4.55%
ANN ARBOR, MI (FHA|USDA|VA) 5 $1,325,000 $265,000 $5,248 5.87%
BURLINGTON, NC (FHA|USDA|VA) 3 $1,325,000 $441,667 $14,078 5.54%
SHERMAN-DENISON, TX (FHA|USDA|VA) 6 $1,310,000 $218,333 $6,665 5.21%
BILLINGS, MT (FHA|USDA|VA) 4 $1,300,000 $325,000 $8,939 3.96%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 9 $1,285,000 $142,778 $4,547 4.66%
MEDFORD, OR (FHA|USDA|VA) 4 $1,260,000 $315,000 $6,109 5.38%
Coos Bay, OR (FHA|USDA|VA) 3 $1,255,000 $418,333 $8,480 6.25%
Durango, CO (FHA|USDA|VA) 2 $1,240,000 $620,000 $3,741 3.75%
MANKATO, MN (FHA|USDA|VA) 6 $1,200,000 $200,000 $6,088 5.25%
TWIN FALLS, ID (FHA|USDA|VA) 3 $1,175,000 $391,667 $10,638 4.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $1,175,000 $391,667 $6,512 4.83%
CHEYENNE, WY (FHA|USDA|VA) 2 $1,170,000 $585,000 $9,610 3.75%
Cookeville, TN (FHA|USDA|VA) 2 $1,170,000 $585,000 $19,804 5.13%
POCATELLO, ID (FHA|USDA|VA) 6 $1,150,000 $191,667 $6,801 5.83%
Willmar, MN (FHA|USDA|VA) 4 $1,110,000 $277,500 $8,955 5.47%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $1,100,000 $550,000 $23,152 4.94%
Keene, NH (FHA|USDA|VA) 4 $1,100,000 $275,000 $6,007 6.06%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $1,090,000 $272,500 $6,722 5.63%
Hutchinson, MN (FHA|USDA|VA) 5 $1,025,000 $205,000 $7,710 5.77%
CASPER, WY (FHA|USDA|VA) 4 $1,000,000 $250,000 $6,381 4.56%
Frankfort, KY (FHA|USDA|VA) 4 $1,000,000 $250,000 $9,668 4.75%
Rockport, TX (FHA|USDA|VA) 2 $990,000 $495,000 $4,085 4.93%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 4 $960,000 $240,000 $4,815 5.53%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $950,000 $237,500 $7,493 5.25%
Whitewater, WI (FHA|USDA|VA) 3 $945,000 $315,000 $6,407 6.54%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $940,000 $235,000 $6,054 5.09%
MADISON, WI (FHA|USDA|VA) 4 $920,000 $230,000 $4,792 5.84%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 4 $920,000 $230,000 $7,109 4.72%
Heber, UT (FHA|USDA|VA) 1 $905,000 $905,000 $22,051 5.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $900,000 $450,000 $10,259 6.13%
AKRON, OH (FHA|USDA|VA) 3 $895,000 $298,333 $7,900 5.46%
MORRISTOWN, TN (FHA|USDA|VA) 5 $885,000 $177,000 $5,249 4.30%
Sonora, CA (FHA|USDA|VA) 2 $880,000 $440,000 $5,378 3.56%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $875,000 $291,667 $4,279 4.41%
LONGVIEW, TX (FHA|USDA|VA) 3 $875,000 $291,667 $5,429 5.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $875,000 $291,667 $7,869 4.79%
TOPEKA, KS (FHA|USDA|VA) 4 $860,000 $215,000 $8,187 6.09%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $850,000 $212,500 $6,747 6.16%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $840,000 $420,000 $9,973 4.62%
Dickinson, ND (FHA|USDA|VA) 2 $830,000 $415,000 $7,369 3.68%
NILES, MI (FHA|USDA|VA) 2 $820,000 $410,000 $10,084 5.06%
Red Wing, MN (FHA|USDA|VA) 3 $815,000 $271,667 $9,133 5.96%
Craig, CO (FHA|USDA|VA) 4 $810,000 $202,500 $7,502 4.38%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $805,000 $268,333 $7,501 5.16%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $790,000 $197,500 $5,984 5.84%
YUMA, AZ (FHA|USDA|VA) 3 $785,000 $261,667 $6,670 4.33%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $770,000 $385,000 $6,607 4.50%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $765,000 $255,000 $9,405 5.67%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $735,000 $245,000 $8,779 6.58%
Rock Springs, WY (FHA|USDA|VA) 3 $725,000 $241,667 $8,292 3.96%
Easton, MD (FHA|USDA|VA) 2 $720,000 $360,000 $5,599 5.50%
GAINESVILLE, FL (FHA|USDA|VA) 3 $715,000 $238,333 $7,667 4.96%
Corsicana, TX (FHA|USDA|VA) 3 $715,000 $238,333 $6,445 5.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $710,000 $355,000 $6,685 3.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 4 $710,000 $177,500 $7,768 4.31%
BANGOR, ME (FHA|USDA|VA) 1 $705,000 $705,000 $4,861 4.63%
Roseburg, OR (FHA|USDA|VA) 3 $705,000 $235,000 $7,988 4.96%
Arcadia, FL (FHA|USDA|VA) 2 $700,000 $350,000 $6,754 3.94%
Lewisburg, TN (FHA|USDA|VA) 2 $690,000 $345,000 $7,297 5.44%
Forest City, NC (FHA|USDA|VA) 1 $685,000 $685,000 $10,172 4.75%
Crescent City, CA (FHA|USDA|VA) 1 $685,000 $685,000 $9,100 5.25%
Clearlake, CA (FHA|USDA|VA) 2 $670,000 $335,000 $5,826 5.31%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $660,000 $330,000 $8,408 5.44%
DOVER, DE (FHA|USDA|VA) 2 $650,000 $325,000 $6,595 5.88%
Crossville, TN (FHA|USDA|VA) 2 $650,000 $325,000 $5,808 4.13%
FARGO, ND-MN (FHA|USDA|VA) 2 $650,000 $325,000 $8,171 3.31%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $650,000 $325,000 $10,593 6.13%
Jefferson, GA (FHA|USDA|VA) 2 $650,000 $325,000 $6,558 4.50%
ROCKFORD, IL (FHA|USDA|VA) 4 $650,000 $162,500 $5,960 6.03%
Mountain Home, ID (FHA|USDA|VA) 2 $640,000 $320,000 $5,337 6.06%
NAPA, CA (FHA|USDA|VA) 1 $635,000 $635,000 $18,205 4.99%
Richmond-Berea, KY (FHA|USDA|VA) 3 $615,000 $205,000 $3,781 5.58%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $610,000 $305,000 $10,047 5.38%
Fort Morgan, CO (FHA|USDA|VA) 2 $600,000 $300,000 $12,163 7.06%
Mineral Wells, TX (FHA|USDA|VA) 1 $595,000 $595,000 $9,439 4.50%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $590,000 $295,000 $6,750 5.75%
Calhoun, GA (FHA|USDA|VA) 2 $590,000 $295,000 $13,664 3.81%
Moscow, ID (FHA|USDA|VA) 2 $590,000 $295,000 $8,666 7.06%
GREAT FALLS, MT (FHA|USDA|VA) 3 $585,000 $195,000 $7,361 5.33%
Grand Rapids, MN (FHA|USDA|VA) 3 $585,000 $195,000 $5,925 5.79%
Newport, OR (FHA|USDA|VA) 2 $580,000 $290,000 $6,224 3.50%
Marion, NC (FHA|USDA|VA) 2 $560,000 $280,000 $10,324 4.69%
JACKSON, MS (FHA|USDA|VA) 1 $555,000 $555,000 $24,496 6.25%
Hailey, ID (FHA|USDA|VA) 1 $555,000 $555,000 $10,528 5.63%
ROME, GA (FHA|USDA|VA) 2 $550,000 $275,000 $9,286 5.81%
Los Alamos, NM (FHA|USDA|VA) 1 $535,000 $535,000 $7,528 5.88%
Sheridan, WY (FHA|USDA|VA) 3 $525,000 $175,000 $3,732 4.13%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $520,000 $260,000 $9,215 4.37%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $510,000 $255,000 $14,469 4.81%
North Platte, NE (FHA|USDA|VA) 2 $490,000 $245,000 $3,714 4.63%
Freeport, IL (FHA|USDA|VA) 2 $470,000 $235,000 $4,107 4.44%
YAKIMA, WA (FHA|USDA|VA) 2 $470,000 $235,000 $9,478 4.37%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $465,000 $155,000 $5,344 4.79%
EL CENTRO, CA (FHA|USDA|VA) 3 $465,000 $155,000 $4,933 5.83%
McAlester, OK (FHA|USDA|VA) 1 $465,000 $465,000 $9,493 4.38%
Clewiston, FL (FHA|USDA|VA) 2 $460,000 $230,000 $11,237 5.69%
Holland, MI (FHA|USDA|VA) 1 $445,000 $445,000 $10,400 4.13%
Spearfish, SD (FHA|USDA|VA) 2 $440,000 $220,000 $7,058 4.44%
LINCOLN, NE (FHA|USDA|VA) 2 $430,000 $215,000 $5,457 5.31%
Seneca, SC (FHA|USDA|VA) 1 $425,000 $425,000 $4,610 4.63%
Ontario, OR-ID (FHA|USDA|VA) 1 $425,000 $425,000 $5,445 4.25%
RACINE, WI (FHA|USDA|VA) 2 $420,000 $210,000 $5,637 5.31%
Shelby, NC (FHA|USDA|VA) 2 $420,000 $210,000 $9,065 5.63%
EL PASO, TX (FHA|USDA|VA) 2 $420,000 $210,000 $6,339 4.63%
Nogales, AZ (FHA|USDA|VA) 1 $415,000 $415,000 $27,065 6.75%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $415,000 $138,333 $4,696 5.62%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $410,000 $205,000 $5,201 4.50%
Klamath Falls, OR (FHA|USDA|VA) 2 $410,000 $205,000 $10,442 4.43%
Cambridge, MD (FHA|USDA|VA) 1 $395,000 $395,000 $13,644 4.75%
Kapaa, HI (FHA|USDA|VA) 1 $395,000 $395,000 $7,618 3.38%
Price, UT (FHA|USDA|VA) 3 $395,000 $131,667 $4,701 5.96%
Las Vegas, NM (FHA|USDA|VA) 1 $395,000 $395,000 $3,001 3.99%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $390,000 $195,000 $2,658 5.13%
Athens, TN (FHA|USDA|VA) 2 $390,000 $195,000 $5,129 5.13%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $385,000 $385,000 $8,733 6.13%
BATON ROUGE, LA (FHA|USDA|VA) 1 $385,000 $385,000 $10,599 4.63%
Minot, ND (FHA|USDA|VA) 1 $385,000 $385,000 $6,473 2.88%
Granbury, TX (FHA|USDA|VA) 2 $370,000 $185,000 $4,019 4.88%
CHICO, CA (FHA|USDA|VA) 2 $370,000 $185,000 $4,706 5.63%
Taos, NM (FHA|USDA|VA) 1 $365,000 $365,000 $6,540 3.75%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $365,000 $121,667 $4,071 5.33%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $365,000 $365,000 $4,380 5.50%
Lebanon, NH-VT (FHA|USDA|VA) 1 $365,000 $365,000 $10,102 6.00%
New Ulm, MN (FHA|USDA|VA) 2 $360,000 $180,000 $8,291 5.56%
Riverton, WY (FHA|USDA|VA) 1 $345,000 $345,000 $6,761 6.38%
RAPID CITY, SD (FHA|USDA|VA) 2 $340,000 $170,000 $3,729 2.88%
Atchison, KS (FHA|USDA|VA) 2 $340,000 $170,000 $5,454 4.99%
Milledgeville, GA (FHA|USDA|VA) 1 $335,000 $335,000 $16,642 5.25%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $335,000 $335,000 $6,088 5.50%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $335,000 $335,000 $2,834 6.88%
Ottawa, IL (FHA|USDA|VA) 2 $330,000 $165,000 $4,476 5.13%
PEORIA, IL (FHA|USDA|VA) 2 $330,000 $165,000 $9,070 5.06%
Madison, IN (FHA|USDA|VA) 1 $315,000 $315,000 $2,581 3.88%
WALLA WALLA, WA (FHA|USDA|VA) 1 $315,000 $315,000 $8,141 4.50%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $315,000 $315,000 $6,128 5.63%
Brevard, NC (FHA|USDA|VA) 1 $315,000 $315,000 $8,934 5.75%
LAWTON, OK (FHA|USDA|VA) 2 $310,000 $155,000 $7,484 5.06%
Pullman, WA (FHA|USDA|VA) 1 $305,000 $305,000 $10,908 4.99%
Waycross, GA (FHA|USDA|VA) 1 $305,000 $305,000 $9,032 3.75%
Cedartown, GA (FHA|USDA|VA) 1 $295,000 $295,000 $11,180 5.25%
La Grande, OR (FHA|USDA|VA) 1 $295,000 $295,000 $7,356 5.88%
Laramie, WY (FHA|USDA|VA) 1 $295,000 $295,000 $10,338 7.13%
ALBANY, GA (FHA|USDA|VA) 1 $285,000 $285,000 $13,101 3.88%
North Wilkesboro, NC (FHA|USDA|VA) 1 $285,000 $285,000 $9,256 2.99%
Bemidji, MN (FHA|USDA|VA) 1 $285,000 $285,000 $7,757 5.88%
Harrison, AR (FHA|USDA|VA) 1 $285,000 $285,000 $10,223 6.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $285,000 $285,000 $8,545 6.25%
Fergus Falls, MN (FHA|USDA|VA) 2 $280,000 $140,000 $5,396 3.88%
Mount Pleasant, TX (FHA|USDA|VA) 1 $275,000 $275,000 $12,408 5.75%
Huntsville, TX (FHA|USDA|VA) 1 $275,000 $275,000 $9,752 6.75%
Searcy, AR (FHA|USDA|VA) 1 $275,000 $275,000 $5,935 6.75%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $275,000 $275,000 $8,673 4.99%
Brookings, OR (FHA|USDA|VA) 1 $275,000 $275,000 $12,294 5.88%
VICTORIA, TX (FHA|USDA|VA) 1 $275,000 $275,000 $12,888 4.25%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $275,000 $275,000 $4,020 3.63%
Fairmont, MN (FHA|USDA|VA) 1 $265,000 $265,000 $8,882 5.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $265,000 $265,000 $9,694 6.99%
TOLEDO, OH (FHA|USDA|VA) 1 $255,000 $255,000 $6,908 7.25%
Opelousas, LA (FHA|USDA|VA) 1 $255,000 $255,000 $4,446 5.13%
Durant, OK (FHA|USDA|VA) 1 $255,000 $255,000 $8,868 6.63%
JACKSON, TN (FHA|USDA|VA) 1 $255,000 $255,000 $6,136 4.38%
Newport, TN (FHA|USDA|VA) 1 $255,000 $255,000 $13,952 5.25%
Scottsburg, IN (FHA|USDA|VA) 1 $245,000 $245,000 $13,827 6.50%
DOTHAN, AL (FHA|USDA|VA) 1 $245,000 $245,000 $11,607 5.75%
Hood River, OR (FHA|USDA|VA) 1 $245,000 $245,000 $7,676 3.38%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $245,000 $245,000 $8,323 4.99%
VALDOSTA, GA (FHA|USDA|VA) 1 $235,000 $235,000 $6,908 2.99%
Menomonie, WI (FHA|USDA|VA) 1 $225,000 $225,000 $8,578 4.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $225,000 $225,000 $4,852 6.50%
WILMINGTON, NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,851 6.99%
DALTON, GA (FHA|USDA|VA) 1 $225,000 $225,000 $2,495 3.88%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $225,000 $225,000 $2,819 6.13%
FLORENCE, SC (FHA|USDA|VA) 1 $215,000 $215,000 $8,336 4.63%
Russellville, AR (FHA|USDA|VA) 1 $215,000 $215,000 $2,529 5.63%
FORT WAYNE, IN (FHA|USDA|VA) 1 $215,000 $215,000 $6,758 5.25%
Greeneville, TN (FHA|USDA|VA) 2 $210,000 $105,000 $6,009 3.75%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $205,000 $205,000 $4,184 5.88%
Wilson, NC (FHA|USDA|VA) 1 $205,000 $205,000 $5,527 7.38%
Orangeburg, SC (FHA|USDA|VA) 2 $200,000 $100,000 $6,356 4.69%
READING, PA (FHA|USDA|VA) 1 $195,000 $195,000 $4,354 5.50%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $195,000 $195,000 $6,064 6.38%
Statesboro, GA (FHA|USDA|VA) 1 $195,000 $195,000 $5,860 4.38%
COLUMBIA, MO (FHA|USDA|VA) 1 $195,000 $195,000 $7,916 5.99%
GOLDSBORO, NC (FHA|USDA|VA) 1 $195,000 $195,000 $5,341 5.38%
Ruidoso, NM (FHA|USDA|VA) 1 $195,000 $195,000 $645 4.25%
Gallup, NM (FHA|USDA|VA) 1 $195,000 $195,000 $4,274 3.63%
BISMARCK, ND (FHA|USDA|VA) 1 $185,000 $185,000 $3,420 3.88%
Bardstown, KY (FHA|USDA|VA) 1 $185,000 $185,000 $3,375 4.38%
Bellefontaine, OH (FHA|USDA|VA) 1 $185,000 $185,000 $4,734 7.13%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $185,000 $185,000 $7,248 4.99%
Winona, MN (FHA|USDA|VA) 1 $185,000 $185,000 $4,581 5.38%
MIDLAND, TX (FHA|USDA|VA) 1 $185,000 $185,000 $4,721 4.25%
Port Lavaca, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,839 4.25%
LAWRENCE, KS (FHA|USDA|VA) 1 $175,000 $175,000 $8,582 4.99%
Emporia, KS (FHA|USDA|VA) 1 $175,000 $175,000 $6,167 6.50%
HINESVILLE, GA (FHA|USDA|VA) 1 $175,000 $175,000 $7,304 5.50%
Rockingham, NC (FHA|USDA|VA) 1 $175,000 $175,000 $6,536 7.50%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,122 5.63%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $7,872 6.00%
LANCASTER, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,006 4.63%
Atmore, AL (FHA|USDA|VA) 1 $165,000 $165,000 $6,678 5.25%
JACKSON, MI (FHA|USDA|VA) 1 $165,000 $165,000 $6,904 6.38%
Pontiac, IL (FHA|USDA|VA) 1 $155,000 $155,000 $7,216 4.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $155,000 $155,000 $5,623 5.13%
WACO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $6,132 4.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $155,000 $155,000 $2,955 5.63%
GREEN BAY, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,740 5.88%
Weatherford, OK (FHA|USDA|VA) 1 $155,000 $155,000 $4,686 5.63%
Kerrville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,496 4.38%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,290 5.50%
Vernal, UT (FHA|USDA|VA) 1 $145,000 $145,000 $3,949 3.75%
Elko, NV (FHA|USDA|VA) 1 $145,000 $145,000 $4,775 4.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,908 4.38%
MUNCIE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,075 5.75%
Bartlesville, OK (FHA|USDA|VA) 1 $145,000 $145,000 $4,968 5.88%
Bluffton, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,930 3.75%
Albert Lea, MN (FHA|USDA|VA) 1 $135,000 $135,000 $3,909 6.99%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $135,000 $135,000 $5,868 4.75%
Ottawa, KS (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.63%
Ozark, AL (FHA|USDA|VA) 1 $135,000 $135,000 $5,728 4.75%
Lawrenceburg, TN (FHA|USDA|VA) 1 $135,000 $135,000 $4,490 4.38%
Altus, OK (FHA|USDA|VA) 1 $135,000 $135,000 $6,795 6.88%
Danville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,410 3.50%
Cullowhee, NC (FHA|USDA|VA) 1 $105,000 $105,000 $5,768 6.13%
Selma, AL (FHA|USDA|VA) 1 $105,000 $105,000 $6,248 5.25%
Mountain Home, AR (FHA|USDA|VA) 1 $105,000 $105,000 $5,042 6.63%
Pittsburg, KS (FHA|USDA|VA) 1 $105,000 $105,000 $4,353 6.50%
Fitzgerald, GA (FHA|USDA|VA) 1 $95,000 $95,000 $5,493 3.99%
Cullman, AL (FHA|USDA|VA) 1 $95,000 $95,000 $3,407 4.75%
Shawnee, OK (FHA|USDA|VA) 1 $75,000 $75,000 $5,459 5.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $75,000 $75,000 $5,230 6.63%
Bay Equity's top markets include Seattle, Phoenix, San Diego, Minneapolis, and Chicago among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against BAY EQUITY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Credit Union
    Similarity Rank: 100
    ALOHA PACIFIC
    Similarity Rank: 112
    The Torrington Savings Bank
    Similarity Rank: 140
    Middlesex Savings Bank
    Similarity Rank: 145
    HONOLULU
    Similarity Rank: 159
    Savings Bank of Danbury
    Similarity Rank: 210
    HAWAIIAN FINANCIAL
    Similarity Rank: 212
    Northern Bank & Trust Company
    Similarity Rank: 216
    Freedom Credit Union
    Similarity Rank: 228

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,936 $3,903,510,000 $392,865 $7,138 5.03%
    FHA 2,020 $660,170,000 $326,817 $13,147 5.04%
    VA 945 $428,975,000 $453,942 $11,781 4.85%
    USDA 89 $21,665,000 $243,427 $8,392 4.42%

    For 2022, Bay Equity's most frequently originated type of loan was Conventional, with 9,936 originations. Their 2nd most popular type was FHA, with 2,020 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 10,808 $4,269,810,000 $395,060 $8,680 5.18%
    Cash Out Refi 1,539 $518,985,000 $337,222 $7,621 4.33%
    Refi 643 $225,525,000 $350,739 $5,891 3.90%

    For 2022, Bay Equity's most frequently cited loan purpose was Home Purchase, with 10,808 originations. The 2nd most popular reason was Cash Out Refi, with 1,539 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 12,361 $4,856,145,000 $392,860 $8,579 5.06%
    15 Year 455 $124,765,000 $274,209 $5,628 3.96%
    20 Year 92 $24,800,000 $269,565 $5,821 4.47%
    10 Year 68 $4,530,000 $66,618 $1,316 4.59%
    Other 14 $4,080,000 $291,429 $7,296 4.48%

    For 2022, Bay Equity's most frequently cited loan duration was 30 Year, with 12,361 originations. The 2nd most popular length was 15 Year, with 455 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 4,420 $2,009,460,000 $454,629
    $1k-2k 3,186 $1,292,670,000 $405,734
    $2k-3k 1,811 $561,355,000 $309,970
    $3k-4k 1,706 $532,540,000 $312,157
    $4k-5k 1,447 $488,225,000 $337,405
    $<1k 418 $129,420,000 $309,617

    Bay Equity's average total fees were $8,579, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 4,420 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 4,408 $1,734,490,000 $393,487
    4-5% 3,192 $1,317,200,000 $412,657
    3-4% 2,769 $1,026,525,000 $370,720
    6-7% 1,930 $702,100,000 $363,782
    7-8% 310 $103,830,000 $334,935
    2.5-3% 296 $119,510,000 $403,750
    <2.5% 77 $10,505,000 $136,429
    Over 8% 8 $160,000 $20,000

    During 2022, Bay Equity's average interest rate for loans was 5.06%, while their most frequently originated rate bucket for loans was 5-6%, with 4,408 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 6,101 $1,813,845,000 $297,303 $7,773 5.03%
    $400k-600k 3,187 $1,532,375,000 $480,821 $9,963 5.09%
    $100k-200k 1,706 $273,250,000 $160,170 $5,481 4.97%
    $600k-1MM 1,495 $1,077,245,000 $720,565 $11,128 4.97%
    $100,000 or less 274 $14,530,000 $53,029 $2,583 4.51%
    $1MM+ 227 $303,075,000 $1,335,132 $14,442 4.71%

    2022 saw Bay Equity place emphasis on $200k-400k loans with 6,101 originations, totaling $1,813,845,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 3,369 $1,319,455,000 $391,646 $8,889 5.12%
    $150k-250k 2,652 $1,317,410,000 $496,761 $8,971 5.19%
    $75k-100k 2,448 $786,910,000 $321,450 $8,486 5.00%
    $50k-75k 2,427 $614,315,000 $253,117 $7,365 4.85%
    $250k+ 1,113 $784,645,000 $704,982 $9,923 4.99%
    $50k or less 909 $159,315,000 $175,264 $5,919 4.64%

    Bay Equity lent most frequently to those with incomes in the $100k-150k range, with 3,369 originations. The second most popular income band? $150k-250k, with 2,652 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,085 $821,805,000 $394,151 $7,496 4.96%
    20-30% 1,881 $702,795,000 $373,628 $6,866 4.90%
    50-60% 974 $376,830,000 $386,889 $13,727 5.12%
    49% 785 $310,685,000 $395,777 $9,435 5.19%
    44% 646 $243,340,000 $376,687 $8,724 4.97%
    42% 592 $251,470,000 $424,780 $8,975 5.01%
    43% 588 $217,520,000 $369,932 $8,135 5.00%
    48% 568 $217,680,000 $383,239 $8,923 5.16%
    41% 533 $215,065,000 $403,499 $8,326 5.10%
    39% 529 $210,325,000 $397,590 $8,063 5.06%
    45% 528 $195,890,000 $371,004 $8,479 5.07%
    40% 501 $206,115,000 $411,407 $8,090 5.01%
    47% 484 $174,060,000 $359,628 $8,732 5.13%
    <20% 480 $163,560,000 $340,750 $6,385 4.74%
    38% 455 $184,345,000 $405,154 $7,659 5.01%
    46% 448 $161,670,000 $360,871 $8,602 5.13%
    37% 434 $173,470,000 $399,700 $7,664 4.93%
    36% 423 $156,115,000 $369,066 $7,480 5.03%
    >60% 48 $27,100,000 $564,583 $15,644 4.87%

    Bay Equity lent most frequently to those with DTI ratios of 30-36%, with 2,085 originations. The next most common DTI ratio? 20-30%, with 1,881 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 9,039 $3,376,115,000 $373,505 $8,135 4.97%
    Not provided 1,862 $791,480,000 $425,070 $8,864 5.04%
    Asian 1,043 $485,945,000 $465,911 $8,621 5.19%
    Black 853 $288,785,000 $338,552 $9,844 5.13%
    American Indian 130 $44,700,000 $343,846 $9,457 5.16%
    Native Hawaiian or Islander 54 $22,930,000 $424,630 $10,433 4.92%
    Asian Indian 5 $2,705,000 $541,000 $10,601 6.08%
    Other Asian 1 $525,000 $525,000 $16,270 5.50%
    Other Pacific Islander 1 $525,000 $525,000 $24,880 6.25%
    Japanese 1 $325,000 $325,000 $5,364 5.38%
    Vietnamese 1 $285,000 $285,000 $9,128 4.38%

    Approval Rates

    Total approvals of all applications
    93.61%

    Bay Equity has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.02%

    Bay Equity has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 12,990 $5,014,320,000 $386,014

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    12,990 $5,014,320,000 $386,014

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 469 $111,465,000 $237,665 $5,553 4.76%
    40-60% 1,267 $415,185,000 $327,691 $6,216 4.62%
    60-80% 3,827 $1,577,445,000 $412,188 $7,845 4.96%
    80-100% 7,015 $2,787,065,000 $397,301 $9,114 5.15%
    Over 100% 240 $111,820,000 $465,917 $19,083 4.96%
    Under 20% 172 $11,340,000 $65,930 $1,787 4.23%