Bay Equity Mortgage Rates, Fees & Info
Los Angeles, CALEI: 549300PL8ER6H23P0Z91
Tax ID: 26-0360466
3.8 stars
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Bay Equity is a large mortgage company specializing in Home Purchase, Refi, and Cash Out Refi 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: San Diego, Seattle, Phoenix, Minneapolis, and Grand Junction among others. We have data for 387 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 an above average pick rate when compared to similar lenders. Bay Equity is typically an average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.66% | 1/25/23 |
| 30 Year Conventional Refi | 6.51% | 1/25/23 |
| 30 Year Cash-out Refi | 6.69% | 1/25/23 |
| 30 Year FHA Purchase | 7.50% | 1/25/23 |
| 30 Year FHA Refi | 7.07% | 1/25/23 |
| 30 Year VA Purchase | 6.37% | 1/25/23 |
| 30 Year VA Refi | 6.01% | 1/25/23 |
| 30 Year USDA Purchase | 6.79% | 1/25/23 |
| 30 Year USDA Refi | 6.76% | 1/25/23 |
| 15 Year Conventional Purchase | 5.99% | 1/25/23 |
| 15 Year Conventional Refi | 5.94% | 1/25/23 |
| 15 Year Cash-out Refi | 5.94% | 1/25/23 |
| 15 Year FHA Purchase | 7.28% | 1/25/23 |
| 15 Year FHA Refi | 7.72% | 1/25/23 |
| 15 Year VA Purchase | 6.08% | 1/25/23 |
| 15 Year VA Refi | 5.64% | 1/25/23 |
| 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. | ||
Originations
24,976Origination Dollar Volume (All Markets)
$8,300,450,000Awards
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BAY EQUITY - 2021
BAY EQUITY is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Bay Equity's average 30 year fixed mortgage rate was
3.14%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.01%.
Relative Fees (Closing Costs)
Bay Equity's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,964.
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 |
|---|---|---|---|---|---|
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1,326 | $740,610,000 | $558,529 | $6,543 | 3.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1,525 | $625,085,000 | $409,892 | $7,283 | 3.11% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1,890 | $606,550,000 | $320,926 | $5,648 | 3.20% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2,010 | $554,200,000 | $275,721 | $4,961 | 3.04% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1,608 | $440,330,000 | $273,837 | $4,279 | 3.10% |
| Glenwood Springs, CO (FHA|USDA|VA) | 957 | $348,475,000 | $364,133 | $4,497 | 3.03% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1,075 | $345,345,000 | $321,251 | $6,249 | 3.15% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 493 | $308,915,000 | $626,602 | $6,422 | 3.05% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1,030 | $242,180,000 | $235,126 | $5,886 | 3.01% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 474 | $238,670,000 | $503,523 | $7,092 | 3.04% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 561 | $224,275,000 | $399,777 | $4,371 | 3.06% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 610 | $209,590,000 | $343,590 | $5,916 | 2.97% |
| Kalispell, MT (FHA|USDA|VA) | 608 | $200,430,000 | $329,655 | $4,920 | 3.02% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 952 | $198,150,000 | $208,141 | $3,571 | 3.18% |
| Outside of Metro Areas | 611 | $156,465,000 | $256,080 | $5,234 | 3.08% |
| FRESNO, CA (FHA|USDA|VA) | 444 | $155,220,000 | $349,595 | $5,900 | 3.13% |
| RENO, NV (FHA|USDA|VA) | 330 | $136,730,000 | $414,333 | $8,346 | 3.07% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 196 | $113,740,000 | $580,306 | $6,012 | 3.06% |
| Gillette, WY (FHA|USDA|VA) | 502 | $112,480,000 | $224,064 | $6,174 | 2.91% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 312 | $112,060,000 | $359,167 | $6,221 | 3.08% |
| ST. GEORGE, UT (FHA|USDA|VA) | 341 | $110,945,000 | $325,352 | $6,894 | 3.19% |
| Steamboat Springs, CO (FHA|USDA|VA) | 238 | $93,340,000 | $392,185 | $4,846 | 3.09% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 201 | $76,545,000 | $380,821 | $7,236 | 3.07% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 224 | $57,230,000 | $255,491 | $5,584 | 3.08% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 237 | $56,425,000 | $238,080 | $3,942 | 3.09% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 155 | $54,405,000 | $351,000 | $8,017 | 3.11% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 186 | $53,210,000 | $286,075 | $5,504 | 3.11% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 91 | $52,175,000 | $573,352 | $6,265 | 2.89% |
| ASHEVILLE, NC (FHA|USDA|VA) | 139 | $46,375,000 | $333,633 | $5,322 | 3.13% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 164 | $46,180,000 | $281,585 | $4,723 | 3.08% |
| MONTGOMERY, AL (FHA|USDA|VA) | 212 | $45,870,000 | $216,368 | $5,115 | 3.07% |
| Edwards, CO (FHA|USDA|VA) | 96 | $43,840,000 | $456,667 | $4,193 | 3.04% |
| Montrose, CO (FHA|USDA|VA) | 142 | $38,040,000 | $267,887 | $3,939 | 3.12% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 55 | $37,865,000 | $688,455 | $5,141 | 2.87% |
| STOCKTON, CA (FHA|USDA|VA) | 106 | $36,650,000 | $345,755 | $7,089 | 3.22% |
| Sevierville, TN (FHA|USDA|VA) | 99 | $34,515,000 | $348,636 | $6,522 | 3.37% |
| COLUMBIA, SC (FHA|USDA|VA) | 162 | $34,240,000 | $211,358 | $5,682 | 3.04% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 103 | $32,535,000 | $315,874 | $10,224 | 3.24% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 101 | $32,375,000 | $320,545 | $4,975 | 3.13% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 133 | $31,595,000 | $237,556 | $5,940 | 3.17% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 88 | $30,140,000 | $342,500 | $7,108 | 3.17% |
| TUCSON, AZ (FHA|USDA|VA) | 130 | $28,830,000 | $221,769 | $4,888 | 3.27% |
| BOISE CITY, ID (FHA|USDA|VA) | 78 | $27,850,000 | $357,051 | $6,287 | 3.15% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 75 | $27,255,000 | $363,400 | $6,766 | 2.99% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 74 | $26,860,000 | $362,973 | $7,681 | 2.94% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 86 | $25,170,000 | $292,674 | $7,982 | 3.14% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 93 | $24,055,000 | $258,656 | $4,264 | 3.08% |
| BRUNSWICK, GA (FHA|USDA|VA) | 94 | $23,890,000 | $254,149 | $7,085 | 3.02% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 70 | $23,280,000 | $332,571 | $5,030 | 3.23% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 69 | $23,205,000 | $336,304 | $7,664 | 3.15% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 43 | $23,085,000 | $536,860 | $6,742 | 3.02% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 66 | $21,980,000 | $333,030 | $6,445 | 3.15% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 95 | $21,445,000 | $225,737 | $5,320 | 3.16% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 92 | $21,390,000 | $232,500 | $5,597 | 3.07% |
| KNOXVILLE, TN (FHA|USDA|VA) | 106 | $21,380,000 | $201,698 | $5,199 | 3.17% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 60 | $21,060,000 | $351,000 | $8,844 | 3.12% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 74 | $20,870,000 | $282,027 | $4,508 | 3.09% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 82 | $20,450,000 | $249,390 | $5,899 | 3.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 87 | $19,105,000 | $219,598 | $6,899 | 2.98% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 68 | $15,890,000 | $233,676 | $5,523 | 3.10% |
| Payson, AZ (FHA|USDA|VA) | 67 | $15,845,000 | $236,493 | $6,129 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 35 | $15,785,000 | $451,000 | $6,321 | 3.21% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 60 | $14,190,000 | $236,500 | $6,443 | 3.19% |
| Safford, AZ (FHA|USDA|VA) | 69 | $14,015,000 | $203,116 | $7,605 | 3.06% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 28 | $13,880,000 | $495,714 | $4,549 | 2.98% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 42 | $12,970,000 | $308,810 | $5,255 | 3.14% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 34 | $12,890,000 | $379,118 | $4,695 | 3.21% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 24 | $12,860,000 | $535,833 | $5,807 | 3.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 23 | $11,615,000 | $505,000 | $5,657 | 3.12% |
| MADERA, CA (FHA|USDA|VA) | 35 | $11,315,000 | $323,286 | $6,232 | 3.03% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 35 | $10,955,000 | $313,000 | $6,314 | 3.11% |
| GREELEY, CO (FHA|USDA|VA) | 32 | $10,770,000 | $336,563 | $4,448 | 3.10% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 21 | $9,955,000 | $474,048 | $5,425 | 3.08% |
| FORT COLLINS, CO (FHA|USDA|VA) | 28 | $9,950,000 | $355,357 | $3,808 | 3.05% |
| Centralia, WA (FHA|USDA|VA) | 30 | $9,460,000 | $315,333 | $8,474 | 3.17% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 34 | $9,350,000 | $275,000 | $5,733 | 3.07% |
| ST. CLOUD, MN (FHA|USDA|VA) | 42 | $9,280,000 | $220,952 | $5,167 | 3.07% |
| ROCHESTER, MN (FHA|USDA|VA) | 41 | $9,265,000 | $225,976 | $4,980 | 2.97% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 39 | $9,225,000 | $236,538 | $5,683 | 3.27% |
| PUEBLO, CO (FHA|USDA|VA) | 37 | $9,205,000 | $248,784 | $6,037 | 3.11% |
| CORVALLIS, OR (FHA|USDA|VA) | 30 | $9,190,000 | $306,333 | $7,408 | 2.99% |
| Brainerd, MN (FHA|USDA|VA) | 38 | $9,170,000 | $241,316 | $5,993 | 3.04% |
| GAINESVILLE, GA (FHA|USDA|VA) | 26 | $9,070,000 | $348,846 | $5,373 | 3.08% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 19 | $8,675,000 | $456,579 | $8,027 | 3.01% |
| BOULDER, CO (FHA|USDA|VA) | 19 | $8,675,000 | $456,579 | $3,538 | 2.95% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 28 | $8,460,000 | $302,143 | $6,779 | 3.30% |
| MODESTO, CA (FHA|USDA|VA) | 24 | $8,420,000 | $350,833 | $5,525 | 3.17% |
| Ellensburg, WA (FHA|USDA|VA) | 24 | $8,360,000 | $348,333 | $6,851 | 3.21% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 37 | $8,125,000 | $219,595 | $4,853 | 3.01% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 23 | $8,055,000 | $350,217 | $7,166 | 3.25% |
| Cedar City, UT (FHA|USDA|VA) | 26 | $7,830,000 | $301,154 | $7,474 | 3.26% |
| Fernley, NV (FHA|USDA|VA) | 27 | $7,755,000 | $287,222 | $8,203 | 3.04% |
| Shelton, WA (FHA|USDA|VA) | 24 | $7,680,000 | $320,000 | $7,371 | 3.10% |
| SUMTER, SC (FHA|USDA|VA) | 40 | $7,640,000 | $191,000 | $6,561 | 3.05% |
| PITTSFIELD, MA (FHA|USDA|VA) | 33 | $7,475,000 | $226,515 | $5,056 | 3.18% |
| WENATCHEE, WA (FHA|USDA|VA) | 23 | $7,395,000 | $321,522 | $9,217 | 2.86% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 26 | $7,350,000 | $282,692 | $5,400 | 3.14% |
| BELLINGHAM, WA (FHA|USDA|VA) | 22 | $7,020,000 | $319,091 | $5,898 | 3.23% |
| SALINAS, CA (FHA|USDA|VA) | 13 | $6,985,000 | $537,308 | $5,856 | 3.16% |
| Owatonna, MN (FHA|USDA|VA) | 40 | $6,910,000 | $172,750 | $3,752 | 2.94% |
| Torrington, CT (FHA|USDA|VA) | 33 | $6,805,000 | $206,212 | $5,777 | 2.90% |
| DULUTH, MN-WI (FHA|USDA|VA) | 31 | $6,445,000 | $207,903 | $4,913 | 3.00% |
| Craig, CO (FHA|USDA|VA) | 31 | $6,395,000 | $206,290 | $5,063 | 3.03% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 17 | $6,235,000 | $366,765 | $6,983 | 3.26% |
| Oak Harbor, WA (FHA|USDA|VA) | 18 | $5,840,000 | $324,444 | $6,864 | 3.06% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 22 | $5,770,000 | $262,273 | $5,718 | 2.91% |
| Spearfish, SD (FHA|USDA|VA) | 18 | $5,530,000 | $307,222 | $6,602 | 2.94% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 13 | $5,465,000 | $420,385 | $4,623 | 3.01% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 10 | $5,430,000 | $543,000 | $6,374 | 3.10% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 16 | $5,360,000 | $335,000 | $6,623 | 3.18% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 19 | $5,235,000 | $275,526 | $4,572 | 2.94% |
| PROVO-OREM, UT (FHA|USDA|VA) | 14 | $4,990,000 | $356,429 | $6,691 | 3.16% |
| Hutchinson, MN (FHA|USDA|VA) | 20 | $4,920,000 | $246,000 | $4,885 | 2.82% |
| Breckenridge, CO (FHA|USDA|VA) | 10 | $4,890,000 | $489,000 | $4,167 | 3.10% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 8 | $4,790,000 | $598,750 | $11,996 | 3.08% |
| MORRISTOWN, TN (FHA|USDA|VA) | 25 | $4,785,000 | $191,400 | $5,108 | 3.09% |
| Heber, UT (FHA|USDA|VA) | 7 | $4,575,000 | $653,571 | $12,726 | 3.12% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 15 | $4,475,000 | $298,333 | $6,097 | 3.11% |
| Aberdeen, WA (FHA|USDA|VA) | 19 | $4,415,000 | $232,368 | $6,760 | 3.08% |
| BEND, OR (FHA|USDA|VA) | 9 | $4,315,000 | $479,444 | $6,490 | 2.90% |
| SANTA FE, NM (FHA|USDA|VA) | 14 | $4,150,000 | $296,429 | $4,627 | 3.28% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 16 | $4,030,000 | $251,875 | $5,539 | 2.99% |
| Durango, CO (FHA|USDA|VA) | 9 | $3,825,000 | $425,000 | $4,165 | 3.22% |
| Bardstown, KY (FHA|USDA|VA) | 17 | $3,695,000 | $217,353 | $3,837 | 3.36% |
| Sheridan, WY (FHA|USDA|VA) | 18 | $3,690,000 | $205,000 | $6,030 | 3.03% |
| MISSOULA, MT (FHA|USDA|VA) | 11 | $3,685,000 | $335,000 | $5,482 | 2.95% |
| CARSON CITY, NV (FHA|USDA|VA) | 11 | $3,585,000 | $325,909 | $6,743 | 3.01% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 20 | $3,470,000 | $173,500 | $4,021 | 3.44% |
| Pahrump, NV (FHA|USDA|VA) | 16 | $3,450,000 | $215,625 | $7,013 | 3.02% |
| MERCED, CA (FHA|USDA|VA) | 10 | $3,410,000 | $341,000 | $5,169 | 3.44% |
| Outside of Metro Areas | 8 | $3,370,000 | $421,250 | $6,492 | 3.06% |
| VISALIA, CA (FHA|USDA|VA) | 11 | $3,315,000 | $301,364 | $6,110 | 3.10% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $2,955,000 | $591,000 | $9,457 | 2.90% |
| Alexander City, AL (FHA|USDA|VA) | 8 | $2,900,000 | $362,500 | $3,980 | 3.39% |
| Show Low, AZ (FHA|USDA|VA) | 12 | $2,860,000 | $238,333 | $5,188 | 3.26% |
| LONGVIEW, WA (FHA|USDA|VA) | 9 | $2,795,000 | $310,556 | $5,471 | 3.18% |
| Concord, NH (FHA|USDA|VA) | 10 | $2,770,000 | $277,000 | $5,734 | 3.14% |
| NAPA, CA (FHA|USDA|VA) | 6 | $2,760,000 | $460,000 | $6,311 | 2.92% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 12 | $2,710,000 | $225,833 | $4,520 | 3.01% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 10 | $2,620,000 | $262,000 | $5,102 | 3.15% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 16 | $2,590,000 | $161,875 | $5,063 | 3.26% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 10 | $2,550,000 | $255,000 | $3,336 | 3.09% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $2,475,000 | $275,000 | $4,794 | 3.01% |
| WALLA WALLA, WA (FHA|USDA|VA) | 7 | $2,455,000 | $350,714 | $4,987 | 3.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 8 | $2,420,000 | $302,500 | $10,971 | 3.19% |
| RAPID CITY, SD (FHA|USDA|VA) | 11 | $2,375,000 | $215,909 | $6,770 | 3.35% |
| SALEM, OR (FHA|USDA|VA) | 6 | $2,370,000 | $395,000 | $6,496 | 2.94% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 9 | $2,245,000 | $249,444 | $4,678 | 2.97% |
| Fort Morgan, CO (FHA|USDA|VA) | 7 | $2,225,000 | $317,857 | $3,924 | 3.09% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 10 | $2,210,000 | $221,000 | $4,041 | 2.99% |
| Frankfort, KY (FHA|USDA|VA) | 11 | $2,105,000 | $191,364 | $5,096 | 2.91% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 13 | $2,085,000 | $160,385 | $5,243 | 3.21% |
| Sonora, CA (FHA|USDA|VA) | 6 | $2,070,000 | $345,000 | $5,444 | 3.17% |
| TWIN FALLS, ID (FHA|USDA|VA) | 4 | $2,060,000 | $515,000 | $7,740 | 3.40% |
| MANKATO, MN (FHA|USDA|VA) | 9 | $2,055,000 | $228,333 | $6,311 | 3.07% |
| YAKIMA, WA (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $8,814 | 3.09% |
| Helena, MT (FHA|USDA|VA) | 6 | $2,050,000 | $341,667 | $4,563 | 3.06% |
| Red Wing, MN (FHA|USDA|VA) | 9 | $2,025,000 | $225,000 | $5,700 | 3.21% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 11 | $1,965,000 | $178,636 | $5,721 | 2.95% |
| Moses Lake, WA (FHA|USDA|VA) | 9 | $1,945,000 | $216,111 | $7,396 | 3.22% |
| TULSA, OK (FHA|USDA|VA) | 10 | $1,940,000 | $194,000 | $4,799 | 3.45% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $5,353 | 3.12% |
| Ottawa, KS (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $4,125 | 3.10% |
| Bozeman, MT (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $6,739 | 3.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $3,278 | 3.08% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $6,820 | 3.00% |
| CHICO, CA (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $6,211 | 2.98% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 7 | $1,635,000 | $233,571 | $3,858 | 2.79% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $6,136 | 3.07% |
| YUBA CITY, CA (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $10,508 | 3.06% |
| SPARTANBURG, SC (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $5,697 | 3.21% |
| Hilo, HI (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $8,694 | 3.21% |
| CASPER, WY (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $4,877 | 2.77% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $6,017 | 3.31% |
| CHEYENNE, WY (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $6,162 | 2.85% |
| Mountain Home, ID (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $7,389 | 3.59% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $4,760 | 3.00% |
| LOGAN, UT-ID (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $5,621 | 3.00% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $4,255 | 3.10% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $3,878 | 3.60% |
| Grand Rapids, MN (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $3,956 | 2.78% |
| Calhoun, GA (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $5,692 | 3.39% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $5,174 | 3.29% |
| REDDING, CA (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $5,503 | 2.95% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $7,408 | 3.50% |
| Cañon City, CO (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $5,690 | 3.12% |
| Cedartown, GA (FHA|USDA|VA) | 7 | $1,205,000 | $172,143 | $6,142 | 3.35% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $3,092 | 2.91% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $5,857 | 2.94% |
| BILLINGS, MT (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $3,584 | 3.34% |
| Vineyard Haven, MA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $3,793 | 2.79% |
| Laconia, NH (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $6,506 | 2.83% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $7,396 | 3.00% |
| Albert Lea, MN (FHA|USDA|VA) | 8 | $1,100,000 | $137,500 | $4,015 | 3.11% |
| Astoria, OR (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $6,003 | 2.84% |
| GAINESVILLE, FL (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $3,629 | 3.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $8,271 | 2.97% |
| Newport, OR (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $5,477 | 3.04% |
| ROME, GA (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $4,887 | 3.15% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $4,911 | 3.15% |
| Austin, MN (FHA|USDA|VA) | 8 | $1,030,000 | $128,750 | $5,074 | 3.29% |
| EL CENTRO, CA (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $4,926 | 3.05% |
| LAS CRUCES, NM (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $4,958 | 2.88% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $5,419 | 3.25% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $8,936 | 3.13% |
| Forest City, NC (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $6,797 | 3.16% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $8,173 | 2.87% |
| Coos Bay, OR (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $5,660 | 3.47% |
| Ontario, OR-ID (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $4,247 | 3.13% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $4,529 | 3.08% |
| Clearlake, CA (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $5,497 | 3.47% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $3,014 | 2.97% |
| St. Marys, GA (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $5,180 | 3.13% |
| Marion, NC (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $5,820 | 3.43% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,737 | 3.21% |
| Menomonie, WI (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $5,865 | 3.06% |
| TOPEKA, KS (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $5,345 | 2.98% |
| Jesup, GA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,698 | 2.87% |
| Hailey, ID (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $4,379 | 3.25% |
| Greenwood, SC (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $12,372 | 2.63% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $6,560 | 3.38% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $4,227 | 3.21% |
| TYLER, TX (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $4,975 | 3.06% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $9,175 | 2.88% |
| Newport, TN (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $7,226 | 3.52% |
| Elko, NV (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,875 | 3.33% |
| Whitewater, WI (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,273 | 3.00% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $3,433 | 2.81% |
| Moscow, ID (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $7,587 | 3.50% |
| FARMINGTON, NM (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $3,711 | 3.00% |
| Minot, ND (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,507 | 2.87% |
| KANKAKEE, IL (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $4,534 | 3.19% |
| HINESVILLE, GA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $4,907 | 3.16% |
| Willmar, MN (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $5,896 | 3.06% |
| Price, UT (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $3,947 | 2.94% |
| Los Alamos, NM (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $3,354 | 2.92% |
| Brevard, NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $3,974 | 3.04% |
| Fort Payne, AL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,707 | 2.93% |
| RACINE, WI (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,332 | 3.28% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,645 | 3.19% |
| Rockport, TX (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $12,295 | 3.06% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $4,545 | 3.62% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,437 | 3.13% |
| Athens, TN (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $7,196 | 3.13% |
| Riverton, WY (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,679 | 3.04% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $7,226 | 3.08% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $6,222 | 3.00% |
| Brookings, OR (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $7,036 | 2.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,689 | 3.00% |
| OCALA, FL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $4,322 | 3.06% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,661 | 3.06% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,267 | 2.81% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,184 | 3.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,254 | 3.46% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,267 | 3.08% |
| Nogales, AZ (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $8,911 | 3.31% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $4,848 | 3.47% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,575 | 3.19% |
| Arcadia, FL (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,130 | 3.38% |
| Winona, MN (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,080 | 3.08% |
| ODESSA, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,220 | 3.58% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,761 | 3.08% |
| Boone, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,614 | 3.18% |
| Statesboro, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,954 | 3.00% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,686 | 3.19% |
| Newberry, SC (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,875 | 3.42% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,385 | 2.50% |
| Fallon, NV (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,923 | 2.79% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $21,895 | 2.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $6,068 | 2.83% |
| Keene, NH (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,932 | 2.69% |
| GREAT FALLS, MT (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,459 | 3.25% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,894 | 3.38% |
| Rock Springs, WY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $11,657 | 3.06% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,665 | 2.75% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $7,271 | 3.54% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,564 | 3.31% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,937 | 2.93% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,654 | 2.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,416 | 2.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,298 | 2.88% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,018 | 3.25% |
| Atchison, KS (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,824 | 3.29% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,014 | 3.33% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,864 | 3.88% |
| Taos, NM (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,028 | 2.99% |
| Clewiston, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,476 | 2.87% |
| Vernal, UT (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,290 | 2.63% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,419 | 2.75% |
| London, KY (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,616 | 2.93% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,210 | 2.81% |
| Cullman, AL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,194 | 3.38% |
| FLORENCE, SC (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $5,201 | 2.96% |
| Lake City, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,354 | 3.19% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,120 | 2.56% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,002 | 3.38% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,994 | 3.38% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,927 | 3.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,099 | 3.38% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,755 | 3.25% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,271 | 2.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,597 | 3.13% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,305 | 3.31% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,255 | 3.13% |
| New Ulm, MN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,693 | 3.13% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,890 | 2.99% |
| Moultrie, GA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,124 | 3.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,885 | 3.18% |
| Ruidoso, NM (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,247 | 3.25% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,433 | 2.81% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,542 | 2.94% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,593 | 3.25% |
| Ozark, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,601 | 3.63% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,399 | 3.25% |
| MADISON, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,219 | 2.88% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,958 | 3.13% |
| Gallup, NM (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $3,122 | 3.71% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,034 | 2.94% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,714 | 3.38% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,786 | 2.99% |
| Port Lavaca, TX (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $3,717 | 3.08% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,166 | 3.25% |
| Watertown, SD (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,703 | 4.63% |
| Danville, KY (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,865 | 3.12% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,499 | 3.38% |
| Ada, OK (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $6,309 | 3.13% |
| Madison, IN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,646 | 2.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,186 | 2.99% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,405 | 2.50% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,563 | 2.88% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,384 | 2.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,548 | 3.50% |
| Seneca, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,450 | 2.99% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,167 | 2.99% |
| Burley, ID (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,898 | 3.50% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $14,070 | 2.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,243 | 4.50% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,125 | 2.99% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,488 | 2.75% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,880 | 2.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,550 | 3.50% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,699 | 3.99% |
| Española, NM (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,232 | 4.06% |
| Waycross, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,543 | 3.38% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,791 | 2.50% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,864 | 2.25% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,598 | 2.63% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,090 | 2.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,823 | 3.00% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,238 | 2.88% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,357 | 3.38% |
| Durant, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,502 | 3.00% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,437 | 2.99% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,149 | 3.25% |
| Evanston, WY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,448 | 3.25% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,283 | 2.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.38% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $973 | 3.25% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,606 | 2.88% |
| Athens, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,758 | 2.99% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,619 | 3.25% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,933 | 2.99% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,117 | 2.99% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,118 | 3.38% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,506 | 2.63% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,084 | 3.25% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,053 | 3.63% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,166 | 2.99% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,614 | 2.50% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,165 | 2.99% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,836 | 3.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,116 | 3.50% |
| Williston, ND (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,060 | 3.25% |
| Susanville, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,804 | 4.00% |
| Maysville, KY (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,850 | 4.50% |
| Brenham, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,230 | 2.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,681 | 2.99% |
| Palatka, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,695 | 3.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,270 | 3.50% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,711 | 2.75% |
| Crossville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,023 | 2.99% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,445 | 2.50% |
| Berlin, NH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,295 | 4.00% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,681 | 3.25% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,434 | 3.88% |
| Marshall, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,424 | 2.99% |
| ENID, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,681 | 2.63% |
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Product Mix
For 2021, Bay Equity's most frequently originated type of loan was Conventional, with 19,692 originations. Their 2nd most popular type was FHA, with 3,328 originations.
Loan Reason
For 2021, Bay Equity's most frequently cited loan purpose was Home Purchase, with 12,837 originations. The 2nd most popular reason was Refi, with 6,792 originations.
Loan Duration/Length
For 2021, Bay Equity's most frequently cited loan duration was 30 Year, with 22,005 originations. The 2nd most popular length was 15 Year, with 1,980 originations.
Origination Fees/Closing Costs
Bay Equity's average total fees were $5,964, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 12,137 originations.
Interest Rates
During 2021, Bay Equity's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 3-4%, with 12,068 originations.
Loan Sizing
2021 saw Bay Equity place emphasis on $200k-400k loans with 12,834 originations, totaling $3,711,200,000 in origination value.
Applicant Income
Bay Equity lent most frequently to those with incomes in the $50k-75k range, with 5,923 originations. The second most popular income band? $100k-150k, with 5,458 originations.
Applicant Debt to Income Ratio
Bay Equity lent most frequently to those with DTI ratios of 20-30%, with 4,575 originations. The next most common DTI ratio? 30-36%, with 4,403 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.63%
Bay Equity has an average approval rate.
Pick Rate
Approvals leading to origination93.56%
Bay Equity has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 24,976 | $8,300,450,000 | $332,337 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 24,976 | $8,300,450,000 | $332,337 |