Bay Equity Mortgage Rates, Fees & Info
Los Angeles, CALEI: 549300PL8ER6H23P0Z91
Tax ID: 26-0360466
3.8 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
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 include San Diego, Seattle, Phoenix, Minneapolis, and Grand Junction among others. Bay Equity has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Bay Equity is typically an average fee lendor.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 rate mortgage of loans were
3.14%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.01%.
Relative Fees
Bay Equity 's average total fees for a 30 year fixed rate
mortgage are $5,964.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| 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% |
Bay Equity 's top markets include San Diego, Seattle, Phoenix, Minneapolis, and Grand Junction among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 19,692 | $6,639,360,000 | $337,160 | $4,679 | 3.12% |
| FHA | 3,328 | $938,800,000 | $282,091 | $10,005 | 3.08% |
| VA | 1,627 | $648,145,000 | $398,368 | $8,177 | 2.79% |
| USDA | 329 | $74,145,000 | $225,365 | $6,627 | 2.92% |
For the 2021 period, Bay Equity 's most frequently originated loan type of loans were Conventional, with 19,692 originations. Their 2nd most popular type is FHA, with 3,328 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 12,837 | $4,410,625,000 | $343,587 | $6,599 | 3.14% |
| Refi | 6,792 | $2,159,290,000 | $317,917 | $4,198 | 2.91% |
| Cash Out Refi | 5,347 | $1,730,535,000 | $323,646 | $5,305 | 3.17% |
For the 2021, Bay Equity 's most frequently cited loan purpose of loans were Home Purchase, with 12,837 originations. The 2nd most popular reason of loans were Refi, with 6,792 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 22,005 | $7,591,965,000 | $345,011 | $5,964 | 3.14% |
| 15 Year | 1,980 | $484,120,000 | $244,505 | $3,646 | 2.51% |
| 20 Year | 550 | $142,580,000 | $259,236 | $3,897 | 3.02% |
| 10 Year | 247 | $26,475,000 | $107,186 | $1,874 | 3.15% |
| Other | 194 | $55,310,000 | $285,103 | $4,322 | 3.05% |
For the 2021, Bay Equity 's most frequently cited loan length of loans were 30 Year, with 22,005 originations. The 2nd most popular length of loans were 15 Year, with 1,980 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 12,137 | $3,993,035,000 | $328,997 |
| $3k-4k | 4,376 | $1,416,290,000 | $323,649 |
| $2k-3k | 4,212 | $1,218,290,000 | $289,243 |
| $5k+ | 2,456 | $1,179,040,000 | $480,065 |
| $<1k | 792 | $226,620,000 | $286,136 |
$5,964 of loans were Bay Equity 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 12,137 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 12,068 | $4,073,450,000 | $337,541 |
| 2.5-3% | 10,413 | $3,551,155,000 | $341,031 |
| <2.5% | 2,151 | $601,765,000 | $279,761 |
| 4-5% | 259 | $71,615,000 | $276,506 |
| 5-6% | 83 | $2,375,000 | $28,614 |
| 6-7% | 2 | $90,000 | $45,000 |
During 2021, Bay Equity 's average interest rate of loans were 3.14%, while their most frequently originated rate bucket of loans were 3-4%, with 12,068 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 12,834 | $3,711,200,000 | $289,169 | $5,629 | 3.09% |
| $100k-200k | 4,950 | $787,580,000 | $159,107 | $4,263 | 3.06% |
| $400k-600k | 4,822 | $2,328,840,000 | $482,961 | $6,490 | 3.07% |
| $600k-1MM | 1,394 | $1,021,530,000 | $732,805 | $8,395 | 3.11% |
| $100,000 or less | 679 | $42,045,000 | $61,922 | $2,450 | 3.27% |
| $1MM+ | 297 | $409,255,000 | $1,377,963 | $11,434 | 3.07% |
2021 saw Bay Equity place emphasis on $200k-400k loans with 12,834 originations, totaling $3,711,200,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 5,923 | $1,494,305,000 | $252,289 | $5,666 | 3.10% |
| $100k-150k | 5,458 | $1,998,080,000 | $366,083 | $5,782 | 3.10% |
| $75k-100k | 4,752 | $1,452,650,000 | $305,692 | $5,783 | 3.11% |
| $150k-250k | 3,553 | $1,595,785,000 | $449,137 | $5,757 | 3.09% |
| $50k or less | 3,156 | $575,400,000 | $182,319 | $4,964 | 3.08% |
| $250k+ | 1,486 | $945,140,000 | $636,030 | $6,918 | 3.13% |
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
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 4,575 | $1,472,295,000 | $321,813 | $4,681 | 3.05% |
| 30-36% | 4,403 | $1,449,865,000 | $329,290 | $5,197 | 3.09% |
| <20% | 1,614 | $503,120,000 | $311,722 | $4,344 | 2.98% |
| 50-60% | 1,200 | $389,590,000 | $324,658 | $10,070 | 3.02% |
| 44% | 1,188 | $395,740,000 | $333,114 | $6,159 | 3.17% |
| 41% | 1,049 | $362,145,000 | $345,229 | $5,835 | 3.18% |
| 42% | 1,030 | $363,550,000 | $352,961 | $5,895 | 3.17% |
| 43% | 1,030 | $335,600,000 | $325,825 | $5,808 | 3.16% |
| 49% | 961 | $334,305,000 | $347,872 | $6,483 | 3.14% |
| 38% | 929 | $317,425,000 | $341,685 | $5,803 | 3.13% |
| 40% | 912 | $329,260,000 | $361,031 | $5,971 | 3.13% |
| 39% | 905 | $305,985,000 | $338,105 | $5,649 | 3.13% |
| 36% | 900 | $312,340,000 | $347,044 | $5,443 | 3.13% |
| 37% | 895 | $304,335,000 | $340,039 | $5,592 | 3.13% |
| 46% | 774 | $249,430,000 | $322,261 | $6,238 | 3.11% |
| 45% | 757 | $246,665,000 | $325,845 | $6,169 | 3.12% |
| 48% | 720 | $239,100,000 | $332,083 | $6,248 | 3.13% |
| 47% | 682 | $219,820,000 | $322,317 | $6,224 | 3.08% |
| >60% | 50 | $23,200,000 | $464,000 | $9,822 | 2.88% |
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
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 18,993 | $6,180,505,000 | $325,410 | $5,510 | 3.08% |
| Not provided | 3,534 | $1,287,120,000 | $364,211 | $5,914 | 3.08% |
| Asian | 899 | $367,035,000 | $408,270 | $6,331 | 3.08% |
| Black | 1,190 | $342,950,000 | $288,193 | $7,058 | 3.17% |
| American Indian | 187 | $56,725,000 | $303,342 | $6,163 | 3.17% |
| Native Hawaiian | 75 | $26,995,000 | $359,933 | $6,751 | 3.14% |
| Asian Indian | 20 | $10,490,000 | $524,500 | $5,534 | 2.92% |
| Filipino | 25 | $9,145,000 | $365,800 | $7,583 | 2.79% |
| Other Asian | 20 | $5,960,000 | $298,000 | $5,593 | 2.76% |
| Chinese | 9 | $4,265,000 | $473,889 | $6,761 | 2.88% |
| Korean | 6 | $2,660,000 | $443,333 | $3,419 | 2.83% |
| Japanese | 5 | $2,525,000 | $505,000 | $3,958 | 2.65% |
| Vietnamese | 8 | $2,410,000 | $301,250 | $5,302 | 2.92% |
| Samoan | 2 | $810,000 | $405,000 | $5,251 | 2.75% |
| Native Hawiian | 2 | $600,000 | $300,000 | $9,387 | 2.93% |
| Other Pacific Islander | 1 | $255,000 | $255,000 | $10,343 | 2.99% |
Approval Rates
Total approvals of all applications94.95%
Bay Equity has an average approval rate.
Pick Rate
Approvals leading to origination89.60%
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 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 1,157 | $279,675,000 | $241,724 | $3,906 | 2.86% |
| 40-60% | 3,607 | $1,134,545,000 | $314,540 | $4,161 | 2.94% |
| 60-80% | 9,094 | $3,223,520,000 | $354,467 | $4,981 | 3.14% |
| 80-100% | 10,507 | $3,509,325,000 | $333,999 | $6,725 | 3.11% |
| Over 100% | 313 | $132,295,000 | $422,668 | $16,079 | 2.88% |
| Under 20% | 298 | $21,090,000 | $70,772 | $1,419 | 3.52% |
