Bay Equity Mortgage Rates, Fees & Info
Los Angeles, CALEI: 549300PL8ER6H23P0Z91
Tax ID: 26-0360466
2 stars - Updated: 12/1/23
-
out of 5 stars, based on 114 reviews
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Bay Equity is a mid-sized mortgage company specializing in Home Purchase loans. Bay Equity has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Seattle, Phoenix, San Diego, Minneapolis, and Chicago among others. We have data for 415 markets. (Some data included below & more in-depth data is available with an active subscription.)Bay Equity has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bay Equity is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.63% | 12/1/23 |
| 30 Year Conventional Refi | 6.55% | 12/1/23 |
| 30 Year Cash-out Refi | 6.78% | 12/1/23 |
| 30 Year FHA Purchase | 7.49% | 12/1/23 |
| 30 Year FHA Refi | 7.02% | 12/1/23 |
| 30 Year VA Purchase | 6.27% | 12/1/23 |
| 30 Year VA Refi | 6.19% | 12/1/23 |
| 30 Year USDA Purchase | 6.74% | 12/1/23 |
| 30 Year USDA Refi | 6.27% | 12/1/23 |
| 15 Year Conventional Purchase | 6.02% | 12/1/23 |
| 15 Year Conventional Refi | 6.10% | 12/1/23 |
| 15 Year Cash-out Refi | 6.10% | 12/1/23 |
| 15 Year FHA Purchase | 5.68% | 12/1/23 |
| 15 Year FHA Refi | 7.10% | 12/1/23 |
| 15 Year VA Refi | 5.92% | 12/1/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Bay Equity Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Bay Equity. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
12,990Origination Dollar Volume (All Markets)
$5,014,320,000Awards
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BAY EQUITY - 2022
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For 2022, 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
5.06%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.3%.
Relative Fees (Closing Costs)
Bay Equity's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,579.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 886 | $446,650,000 | $504,120 | $10,763 | 5.13% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 753 | $295,185,000 | $392,012 | $8,745 | 4.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 403 | $252,325,000 | $626,117 | $11,021 | 4.66% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 820 | $251,870,000 | $307,159 | $7,277 | 5.06% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 820 | $229,840,000 | $280,293 | $8,444 | 5.35% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 568 | $210,880,000 | $371,268 | $9,275 | 4.98% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 376 | $177,700,000 | $472,606 | $8,349 | 5.61% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 214 | $160,840,000 | $751,589 | $11,471 | 4.94% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 259 | $158,635,000 | $612,490 | $12,219 | 4.90% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 279 | $134,875,000 | $483,423 | $6,615 | 5.00% |
| Glenwood Springs, CO (FHA|USDA|VA) | 304 | $127,800,000 | $420,395 | $7,064 | 4.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 310 | $121,030,000 | $390,419 | $8,562 | 4.80% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 225 | $97,615,000 | $433,844 | $8,507 | 5.11% |
| Kalispell, MT (FHA|USDA|VA) | 216 | $89,160,000 | $412,778 | $7,343 | 4.70% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 275 | $88,245,000 | $320,891 | $5,239 | 3.91% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 147 | $82,045,000 | $558,129 | $7,865 | 4.85% |
| Outside of Metro Areas | 275 | $79,595,000 | $289,436 | $7,308 | 4.82% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 181 | $74,025,000 | $408,978 | $8,462 | 5.52% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 191 | $71,305,000 | $373,325 | $7,971 | 5.08% |
| RENO, NV (FHA|USDA|VA) | 155 | $68,245,000 | $440,290 | $10,440 | 4.85% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 155 | $66,875,000 | $431,452 | $11,507 | 5.02% |
| Gillette, WY (FHA|USDA|VA) | 243 | $58,955,000 | $242,613 | $7,182 | 4.57% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 140 | $56,540,000 | $403,857 | $7,446 | 5.60% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 124 | $55,120,000 | $444,516 | $8,071 | 5.41% |
| ST. GEORGE, UT (FHA|USDA|VA) | 116 | $47,030,000 | $405,431 | $10,596 | 4.64% |
| LOUISVILLE, KY (FHA|USDA|VA) | 200 | $42,670,000 | $213,350 | $4,501 | 4.15% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 102 | $42,290,000 | $414,608 | $11,763 | 5.18% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 108 | $38,300,000 | $354,630 | $8,236 | 5.07% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 169 | $36,725,000 | $217,308 | $6,373 | 4.31% |
| ASHEVILLE, NC (FHA|USDA|VA) | 89 | $33,815,000 | $379,944 | $8,293 | 4.85% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 41 | $33,455,000 | $815,976 | $7,026 | 4.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 117 | $33,175,000 | $283,547 | $6,708 | 5.29% |
| FRESNO, CA (FHA|USDA|VA) | 105 | $32,765,000 | $312,048 | $8,634 | 4.64% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 115 | $31,875,000 | $277,174 | $5,628 | 5.12% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 67 | $30,345,000 | $452,910 | $7,848 | 5.57% |
| BOISE CITY, ID (FHA|USDA|VA) | 71 | $30,345,000 | $427,394 | $9,905 | 5.29% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 61 | $29,065,000 | $476,475 | $8,337 | 5.17% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 89 | $28,505,000 | $320,281 | $7,029 | 4.85% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 59 | $26,555,000 | $450,085 | $10,114 | 5.41% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 78 | $23,360,000 | $299,487 | $7,930 | 5.21% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 51 | $22,515,000 | $441,471 | $10,709 | 5.10% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 62 | $21,290,000 | $343,387 | $7,724 | 5.46% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 66 | $20,610,000 | $312,273 | $8,531 | 5.21% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 74 | $19,920,000 | $269,189 | $8,550 | 5.35% |
| COLUMBIA, SC (FHA|USDA|VA) | 80 | $19,530,000 | $244,125 | $7,160 | 4.99% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 41 | $19,395,000 | $473,049 | $6,275 | 5.50% |
| TUCSON, AZ (FHA|USDA|VA) | 65 | $18,805,000 | $289,308 | $7,267 | 5.23% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 58 | $18,210,000 | $313,966 | $6,407 | 5.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 63 | $17,635,000 | $279,921 | $7,237 | 5.02% |
| MONTGOMERY, AL (FHA|USDA|VA) | 78 | $17,180,000 | $220,256 | $6,168 | 4.94% |
| STOCKTON, CA (FHA|USDA|VA) | 39 | $16,755,000 | $429,615 | $10,605 | 5.25% |
| SALINAS, CA (FHA|USDA|VA) | 28 | $16,600,000 | $592,857 | $15,828 | 4.47% |
| VALLEJO, CA (FHA|USDA|VA) | 31 | $16,385,000 | $528,548 | $9,735 | 4.99% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 38 | $16,000,000 | $421,053 | $9,488 | 4.91% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 45 | $15,525,000 | $345,000 | $10,243 | 5.15% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 33 | $15,505,000 | $469,848 | $10,462 | 5.31% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 51 | $14,995,000 | $294,020 | $6,250 | 4.90% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 37 | $14,675,000 | $396,622 | $9,324 | 5.02% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 41 | $14,415,000 | $351,585 | $9,010 | 4.94% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 39 | $13,445,000 | $344,744 | $6,856 | 5.27% |
| Edwards, CO (FHA|USDA|VA) | 23 | $13,075,000 | $568,478 | $8,308 | 4.54% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 17 | $12,515,000 | $736,176 | $17,511 | 4.35% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 43 | $12,335,000 | $286,860 | $7,685 | 5.39% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 28 | $11,150,000 | $398,214 | $9,786 | 5.54% |
| BOULDER, CO (FHA|USDA|VA) | 13 | $10,915,000 | $839,615 | $5,648 | 4.86% |
| BRUNSWICK, GA (FHA|USDA|VA) | 30 | $10,870,000 | $362,333 | $8,927 | 4.95% |
| Sevierville, TN (FHA|USDA|VA) | 28 | $10,790,000 | $385,357 | $9,676 | 4.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 43 | $10,785,000 | $250,814 | $7,670 | 4.85% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 34 | $10,640,000 | $312,941 | $6,503 | 5.51% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 43 | $10,515,000 | $244,535 | $7,744 | 4.78% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 32 | $10,510,000 | $328,438 | $10,008 | 5.20% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 17 | $9,645,000 | $567,353 | $7,959 | 4.72% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 25 | $9,535,000 | $381,400 | $9,640 | 5.46% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 15 | $9,325,000 | $621,667 | $7,735 | 4.44% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 34 | $9,110,000 | $267,941 | $7,888 | 5.10% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $8,880,000 | $634,286 | $9,520 | 4.99% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 28 | $8,840,000 | $315,714 | $6,316 | 5.62% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 28 | $8,350,000 | $298,214 | $7,048 | 4.69% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 26 | $8,240,000 | $316,923 | $8,404 | 5.40% |
| Shelton, WA (FHA|USDA|VA) | 23 | $8,055,000 | $350,217 | $10,478 | 5.24% |
| FORT COLLINS, CO (FHA|USDA|VA) | 18 | $8,020,000 | $445,556 | $5,653 | 5.52% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 27 | $7,855,000 | $290,926 | $7,850 | 5.55% |
| PROVO-OREM, UT (FHA|USDA|VA) | 16 | $7,690,000 | $480,625 | $8,553 | 5.19% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 18 | $7,670,000 | $426,111 | $8,661 | 5.40% |
| BELLINGHAM, WA (FHA|USDA|VA) | 16 | $7,490,000 | $468,125 | $9,219 | 4.69% |
| Montrose, CO (FHA|USDA|VA) | 27 | $7,445,000 | $275,741 | $4,896 | 3.91% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 12 | $7,400,000 | $616,667 | $10,101 | 5.07% |
| Oak Harbor, WA (FHA|USDA|VA) | 16 | $7,370,000 | $460,625 | $7,908 | 4.69% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 26 | $7,350,000 | $282,692 | $7,745 | 4.70% |
| GREELEY, CO (FHA|USDA|VA) | 15 | $7,165,000 | $477,667 | $9,217 | 5.28% |
| Payson, AZ (FHA|USDA|VA) | 27 | $6,955,000 | $257,593 | $6,976 | 5.04% |
| ST. CLOUD, MN (FHA|USDA|VA) | 28 | $6,950,000 | $248,214 | $7,020 | 4.89% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 21 | $6,535,000 | $311,190 | $5,490 | 5.41% |
| ROCHESTER, MN (FHA|USDA|VA) | 27 | $6,085,000 | $225,370 | $7,123 | 5.09% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 23 | $5,845,000 | $254,130 | $5,507 | 5.55% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 18 | $5,720,000 | $317,778 | $7,506 | 5.59% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 20 | $5,250,000 | $262,500 | $5,788 | 5.67% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 22 | $5,220,000 | $237,273 | $6,922 | 6.16% |
| Ellensburg, WA (FHA|USDA|VA) | 12 | $5,160,000 | $430,000 | $8,062 | 5.36% |
| SAVANNAH, GA (FHA|USDA|VA) | 18 | $4,980,000 | $276,667 | $7,293 | 5.26% |
| PUEBLO, CO (FHA|USDA|VA) | 17 | $4,915,000 | $289,118 | $8,655 | 4.49% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 16 | $4,790,000 | $299,375 | $8,746 | 5.33% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 13 | $4,505,000 | $346,538 | $5,480 | 5.21% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 14 | $4,470,000 | $319,286 | $7,918 | 5.56% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 15 | $4,445,000 | $296,333 | $6,538 | 5.07% |
| SALEM, OR (FHA|USDA|VA) | 11 | $4,415,000 | $401,364 | $8,601 | 5.16% |
| Centralia, WA (FHA|USDA|VA) | 13 | $4,405,000 | $338,846 | $11,765 | 4.57% |
| MODESTO, CA (FHA|USDA|VA) | 14 | $4,400,000 | $314,286 | $8,061 | 5.71% |
| Torrington, CT (FHA|USDA|VA) | 22 | $4,300,000 | $195,455 | $6,851 | 4.69% |
| Fernley, NV (FHA|USDA|VA) | 14 | $4,240,000 | $302,857 | $9,893 | 5.17% |
| Brainerd, MN (FHA|USDA|VA) | 16 | $4,180,000 | $261,250 | $7,377 | 5.05% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 13 | $4,075,000 | $313,462 | $7,936 | 4.86% |
| BEND, OR (FHA|USDA|VA) | 9 | $4,055,000 | $450,556 | $7,132 | 5.67% |
| Aberdeen, WA (FHA|USDA|VA) | 13 | $3,985,000 | $306,538 | $9,878 | 5.37% |
| Safford, AZ (FHA|USDA|VA) | 17 | $3,945,000 | $232,059 | $9,430 | 4.80% |
| Steamboat Springs, CO (FHA|USDA|VA) | 11 | $3,865,000 | $351,364 | $3,583 | 3.49% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $3,755,000 | $751,000 | $11,224 | 4.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 15 | $3,685,000 | $245,667 | $5,678 | 6.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 13 | $3,635,000 | $279,615 | $9,921 | 5.28% |
| MADERA, CA (FHA|USDA|VA) | 11 | $3,635,000 | $330,455 | $10,311 | 4.82% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $3,590,000 | $598,333 | $8,383 | 4.42% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 8 | $3,440,000 | $430,000 | $7,247 | 4.65% |
| CARSON CITY, NV (FHA|USDA|VA) | 9 | $3,435,000 | $381,667 | $7,830 | 4.07% |
| Cedar City, UT (FHA|USDA|VA) | 12 | $3,400,000 | $283,333 | $7,921 | 4.43% |
| LONGVIEW, WA (FHA|USDA|VA) | 9 | $3,395,000 | $377,222 | $8,596 | 5.46% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 8 | $2,980,000 | $372,500 | $7,811 | 5.51% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 6 | $2,830,000 | $471,667 | $8,240 | 5.81% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 9 | $2,825,000 | $313,889 | $10,139 | 5.67% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 9 | $2,775,000 | $308,333 | $7,067 | 5.37% |
| GAINESVILLE, GA (FHA|USDA|VA) | 6 | $2,770,000 | $461,667 | $8,160 | 4.69% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 11 | $2,745,000 | $249,545 | $5,634 | 5.03% |
| COLUMBUS, OH (FHA|USDA|VA) | 9 | $2,735,000 | $303,889 | $5,028 | 5.61% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $2,730,000 | $455,000 | $9,535 | 4.98% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $2,495,000 | $356,429 | $10,110 | 5.73% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 6 | $2,490,000 | $415,000 | $11,571 | 5.54% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 8 | $2,350,000 | $293,750 | $10,534 | 5.45% |
| THE VILLAGES, FL (FHA|USDA|VA) | 6 | $2,320,000 | $386,667 | $7,538 | 4.90% |
| OCALA, FL (FHA|USDA|VA) | 10 | $2,300,000 | $230,000 | $6,736 | 5.94% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $2,250,000 | $1,125,000 | $5,984 | 6.18% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 10 | $2,240,000 | $224,000 | $7,525 | 4.11% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $2,235,000 | $319,286 | $5,384 | 5.52% |
| Alexander City, AL (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $7,569 | 4.84% |
| CORVALLIS, OR (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $11,411 | 4.17% |
| Outside of Metro Areas | 6 | $2,150,000 | $358,333 | $7,256 | 5.90% |
| PITTSFIELD, MA (FHA|USDA|VA) | 9 | $2,125,000 | $236,111 | $7,442 | 5.16% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 5 | $2,125,000 | $425,000 | $7,983 | 5.45% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $5,516 | 5.93% |
| Show Low, AZ (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $8,705 | 3.92% |
| TULSA, OK (FHA|USDA|VA) | 9 | $2,085,000 | $231,667 | $9,231 | 5.69% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 7 | $2,075,000 | $296,429 | $8,930 | 4.73% |
| DULUTH, MN-WI (FHA|USDA|VA) | 12 | $2,070,000 | $172,500 | $5,743 | 4.70% |
| MERCED, CA (FHA|USDA|VA) | 6 | $2,060,000 | $343,333 | $12,496 | 3.83% |
| Owatonna, MN (FHA|USDA|VA) | 12 | $2,040,000 | $170,000 | $4,810 | 4.87% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 7 | $2,035,000 | $290,714 | $6,459 | 4.80% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 5 | $2,025,000 | $405,000 | $8,860 | 5.28% |
| Concord, NH (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $5,587 | 4.94% |
| Port Angeles, WA (FHA|USDA|VA) | 6 | $1,950,000 | $325,000 | $9,983 | 4.92% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 10 | $1,940,000 | $194,000 | $4,283 | 5.64% |
| SANTA FE, NM (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $5,815 | 4.60% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,825,000 | $365,000 | $5,466 | 6.13% |
| Hilo, HI (FHA|USDA|VA) | 2 | $1,810,000 | $905,000 | $16,541 | 5.13% |
| Sandpoint, ID (FHA|USDA|VA) | 3 | $1,805,000 | $601,667 | $8,580 | 5.12% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $7,446 | 5.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $7,775 | 4.66% |
| Fallon, NV (FHA|USDA|VA) | 6 | $1,770,000 | $295,000 | $10,740 | 5.21% |
| MISSOULA, MT (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $12,530 | 5.25% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $7,731 | 5.40% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $1,745,000 | $581,667 | $10,459 | 6.04% |
| Helena, MT (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $9,806 | 5.15% |
| YUBA CITY, CA (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $10,225 | 5.56% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $6,971 | 4.17% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,660,000 | $830,000 | $7,099 | 3.50% |
| Cañon City, CO (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $9,368 | 5.06% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $4,916 | 5.81% |
| Laconia, NH (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $9,340 | 5.03% |
| CLEVELAND, TN (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $7,962 | 6.46% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $6,559 | 5.47% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $4,078 | 5.38% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $7,769 | 5.10% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $7,241 | 5.22% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $7,833 | 6.07% |
| Pahrump, NV (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $10,052 | 4.65% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $12,958 | 5.78% |
| Moses Lake, WA (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $7,991 | 4.55% |
| ANN ARBOR, MI (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $5,248 | 5.87% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $14,078 | 5.54% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $6,665 | 5.21% |
| BILLINGS, MT (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $8,939 | 3.96% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 9 | $1,285,000 | $142,778 | $4,547 | 4.66% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $6,109 | 5.38% |
| Coos Bay, OR (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $8,480 | 6.25% |
| Durango, CO (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $3,741 | 3.75% |
| MANKATO, MN (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $6,088 | 5.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $10,638 | 4.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $6,512 | 4.83% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $9,610 | 3.75% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $19,804 | 5.13% |
| POCATELLO, ID (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $6,801 | 5.83% |
| Willmar, MN (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $8,955 | 5.47% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $23,152 | 4.94% |
| Keene, NH (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $6,007 | 6.06% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $6,722 | 5.63% |
| Hutchinson, MN (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $7,710 | 5.77% |
| CASPER, WY (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $6,381 | 4.56% |
| Frankfort, KY (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $9,668 | 4.75% |
| Rockport, TX (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $4,085 | 4.93% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,815 | 5.53% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $7,493 | 5.25% |
| Whitewater, WI (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $6,407 | 6.54% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $6,054 | 5.09% |
| MADISON, WI (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $4,792 | 5.84% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $7,109 | 4.72% |
| Heber, UT (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $22,051 | 5.50% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $10,259 | 6.13% |
| AKRON, OH (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $7,900 | 5.46% |
| MORRISTOWN, TN (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $5,249 | 4.30% |
| Sonora, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $5,378 | 3.56% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $4,279 | 4.41% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $5,429 | 5.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $7,869 | 4.79% |
| TOPEKA, KS (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $8,187 | 6.09% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $6,747 | 6.16% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $9,973 | 4.62% |
| Dickinson, ND (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $7,369 | 3.68% |
| NILES, MI (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $10,084 | 5.06% |
| Red Wing, MN (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $9,133 | 5.96% |
| Craig, CO (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $7,502 | 4.38% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $7,501 | 5.16% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,984 | 5.84% |
| YUMA, AZ (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,670 | 4.33% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $6,607 | 4.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $9,405 | 5.67% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $8,779 | 6.58% |
| Rock Springs, WY (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $8,292 | 3.96% |
| Easton, MD (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,599 | 5.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $7,667 | 4.96% |
| Corsicana, TX (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $6,445 | 5.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $6,685 | 3.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $7,768 | 4.31% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $4,861 | 4.63% |
| Roseburg, OR (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $7,988 | 4.96% |
| Arcadia, FL (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $6,754 | 3.94% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $7,297 | 5.44% |
| Forest City, NC (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $10,172 | 4.75% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $9,100 | 5.25% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,826 | 5.31% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,408 | 5.44% |
| DOVER, DE (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,595 | 5.88% |
| Crossville, TN (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $5,808 | 4.13% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $8,171 | 3.31% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $10,593 | 6.13% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,558 | 4.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $5,960 | 6.03% |
| Mountain Home, ID (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,337 | 6.06% |
| NAPA, CA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $18,205 | 4.99% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,781 | 5.58% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $10,047 | 5.38% |
| Fort Morgan, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $12,163 | 7.06% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $9,439 | 4.50% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $6,750 | 5.75% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $13,664 | 3.81% |
| Moscow, ID (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $8,666 | 7.06% |
| GREAT FALLS, MT (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $7,361 | 5.33% |
| Grand Rapids, MN (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $5,925 | 5.79% |
| Newport, OR (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,224 | 3.50% |
| Marion, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $10,324 | 4.69% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $24,496 | 6.25% |
| Hailey, ID (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $10,528 | 5.63% |
| ROME, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,286 | 5.81% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $7,528 | 5.88% |
| Sheridan, WY (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,732 | 4.13% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $9,215 | 4.37% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $14,469 | 4.81% |
| North Platte, NE (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,714 | 4.63% |
| Freeport, IL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,107 | 4.44% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $9,478 | 4.37% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,344 | 4.79% |
| EL CENTRO, CA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $4,933 | 5.83% |
| McAlester, OK (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $9,493 | 4.38% |
| Clewiston, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $11,237 | 5.69% |
| Holland, MI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,400 | 4.13% |
| Spearfish, SD (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,058 | 4.44% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,457 | 5.31% |
| Seneca, SC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,610 | 4.63% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,445 | 4.25% |
| RACINE, WI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,637 | 5.31% |
| Shelby, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $9,065 | 5.63% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,339 | 4.63% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $27,065 | 6.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $4,696 | 5.62% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,201 | 4.50% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $10,442 | 4.43% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $13,644 | 4.75% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,618 | 3.38% |
| Price, UT (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,701 | 5.96% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,001 | 3.99% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,658 | 5.13% |
| Athens, TN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,129 | 5.13% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,733 | 6.13% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,599 | 4.63% |
| Minot, ND (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,473 | 2.88% |
| Granbury, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,019 | 4.88% |
| CHICO, CA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,706 | 5.63% |
| Taos, NM (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,540 | 3.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,071 | 5.33% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,380 | 5.50% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,102 | 6.00% |
| New Ulm, MN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,291 | 5.56% |
| Riverton, WY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,761 | 6.38% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,729 | 2.88% |
| Atchison, KS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,454 | 4.99% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $16,642 | 5.25% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,088 | 5.50% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,834 | 6.88% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,476 | 5.13% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $9,070 | 5.06% |
| Madison, IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,581 | 3.88% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,141 | 4.50% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,128 | 5.63% |
| Brevard, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,934 | 5.75% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,484 | 5.06% |
| Pullman, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,908 | 4.99% |
| Waycross, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,032 | 3.75% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,180 | 5.25% |
| La Grande, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,356 | 5.88% |
| Laramie, WY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,338 | 7.13% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,101 | 3.88% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,256 | 2.99% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,757 | 5.88% |
| Harrison, AR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,223 | 6.88% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,545 | 6.25% |
| Fergus Falls, MN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,396 | 3.88% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,408 | 5.75% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,752 | 6.75% |
| Searcy, AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,935 | 6.75% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,673 | 4.99% |
| Brookings, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,294 | 5.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,888 | 4.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,020 | 3.63% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,882 | 5.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,694 | 6.99% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,908 | 7.25% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,446 | 5.13% |
| Durant, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,868 | 6.63% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,136 | 4.38% |
| Newport, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $13,952 | 5.25% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,827 | 6.50% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,607 | 5.75% |
| Hood River, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,676 | 3.38% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,323 | 4.99% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,908 | 2.99% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,578 | 4.75% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,852 | 6.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,851 | 6.99% |
| DALTON, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,495 | 3.88% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,819 | 6.13% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,336 | 4.63% |
| Russellville, AR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,529 | 5.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,758 | 5.25% |
| Greeneville, TN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $6,009 | 3.75% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,184 | 5.88% |
| Wilson, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,527 | 7.38% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $6,356 | 4.69% |
| READING, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,354 | 5.50% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,064 | 6.38% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,860 | 4.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,916 | 5.99% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,341 | 5.38% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $645 | 4.25% |
| Gallup, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,274 | 3.63% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,420 | 3.88% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,375 | 4.38% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,734 | 7.13% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,248 | 4.99% |
| Winona, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,581 | 5.38% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,721 | 4.25% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,839 | 4.25% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,582 | 4.99% |
| Emporia, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,167 | 6.50% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,304 | 5.50% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,536 | 7.50% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,122 | 5.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,872 | 6.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,006 | 4.63% |
| Atmore, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,678 | 5.25% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,904 | 6.38% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,216 | 4.75% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,623 | 5.13% |
| WACO, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,132 | 4.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,955 | 5.63% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,740 | 5.88% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,686 | 5.63% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,496 | 4.38% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,290 | 5.50% |
| Vernal, UT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,949 | 3.75% |
| Elko, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,775 | 4.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,908 | 4.38% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,075 | 5.75% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,968 | 5.88% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,930 | 3.75% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,909 | 6.99% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,868 | 4.75% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.63% |
| Ozark, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,728 | 4.75% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,490 | 4.38% |
| Altus, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,795 | 6.88% |
| Danville, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,410 | 3.50% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,768 | 6.13% |
| Selma, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,248 | 5.25% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,042 | 6.63% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,353 | 6.50% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,493 | 3.99% |
| Cullman, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,407 | 4.75% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,459 | 5.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,230 | 6.63% |
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Product Mix
For 2022, Bay Equity's most frequently originated type of loan was Conventional, with 9,936 originations. Their 2nd most popular type was FHA, with 2,020 originations.
Loan Reason
For 2022, Bay Equity's most frequently cited loan purpose was Home Purchase, with 10,808 originations. The 2nd most popular reason was Cash Out Refi, with 1,539 originations.
Loan Duration/Length
For 2022, Bay Equity's most frequently cited loan duration was 30 Year, with 12,361 originations. The 2nd most popular length was 15 Year, with 455 originations.
Origination Fees/Closing Costs
Bay Equity's average total fees were $8,579, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 4,420 originations.
Interest Rates
During 2022, Bay Equity's average interest rate for loans was 5.06%, while their most frequently originated rate bucket for loans was 5-6%, with 4,408 originations.
Loan Sizing
2022 saw Bay Equity place emphasis on $200k-400k loans with 6,101 originations, totaling $1,813,845,000 in origination value.
Applicant Income
Bay Equity lent most frequently to those with incomes in the $100k-150k range, with 3,369 originations. The second most popular income band? $150k-250k, with 2,652 originations.
Applicant Debt to Income Ratio
Bay Equity lent most frequently to those with DTI ratios of 30-36%, with 2,085 originations. The next most common DTI ratio? 20-30%, with 1,881 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.61%
Bay Equity has an average approval rate.
Pick Rate
Approvals leading to origination81.02%
Bay Equity has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12,990 | $5,014,320,000 | $386,014 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 12,990 | $5,014,320,000 | $386,014 |