Bay Equity Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 549300PL8ER6H23P0Z91

Tax ID: 26-0360466

3.8 stars - out of 5 stars, based on 158 reviews

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

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Mortgage Data

  • SimulatedRates™
  • 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.

    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 6.68% 10/3/22
    30 Year Conventional Refi 6.53% 10/3/22
    30 Year Cash-out Refi 6.71% 10/3/22
    30 Year FHA Purchase 7.52% 10/3/22
    30 Year FHA Refi 7.09% 10/3/22
    30 Year VA Purchase 6.39% 10/3/22
    30 Year VA Refi 6.03% 10/3/22
    30 Year USDA Purchase 6.81% 10/3/22
    30 Year USDA Refi 6.78% 10/3/22
    15 Year Conventional Purchase 6.27% 10/3/22
    15 Year Conventional Refi 6.22% 10/3/22
    15 Year Cash-out Refi 6.22% 10/3/22
    15 Year FHA Purchase 7.56% 10/3/22
    15 Year FHA Refi 8.00% 10/3/22
    15 Year VA Purchase 6.36% 10/3/22
    15 Year VA Refi 5.92% 10/3/22
    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

    24,976

    Origination Dollar Volume (All Markets)

    $8,300,450,000
    Show all (22) awards

    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%

    Bay Equity 's top markets include San Diego, Seattle, Phoenix, Minneapolis, and Grand Junction among others.

    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.

    HONOLULU
    Similarity Rank: 53
    The Torrington Savings Bank
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    ALOHA PACIFIC
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    Middlesex Savings Bank
    Similarity Rank: 174
    First Credit Union
    Similarity Rank: 180
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    HAWAIIAN FINANCIAL
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 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

    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 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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 12,137 $3,993,035,000 $328,997
    $2k-3k 4,212 $1,218,290,000 $289,243
    $3k-4k 2,753 $854,955,000 $310,554
    $5k+ 2,456 $1,179,040,000 $480,065
    $4k-5k 1,623 $561,335,000 $345,863
    $<1k 792 $226,620,000 $286,136

    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

    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 for loans was 3.14%, while their most frequently originated rate bucket for loans was 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 or Islander 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 Hawaiian 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 applications
    94.63%

    Bay Equity has an average approval rate.

    Pick Rate

    Approvals leading to origination
    93.56%

    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

    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%