Bay Equity Mortgage Rates, Fees & Info
Los Angeles, CALEI: 549300PL8ER6H23P0Z91
Tax ID: 26-0360466
5 stars - Updated: 4/5/25
-
out of 5 stars, based on 99 reviews
Latest/2024 | 2023 Data | 2022 Data | 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, Washington, Chicago, San Diego, and Minneapolis among others. We have data for 352 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 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 | 6.87% | 4/5/25 |
| 30 Year Conventional Refi | 6.80% | 4/5/25 |
| 30 Year Cash-out Refi | 7.00% | 4/5/25 |
| 30 Year FHA Purchase | 7.34% | 4/5/25 |
| 30 Year FHA Refi | 7.19% | 4/5/25 |
| 30 Year VA Purchase | 6.45% | 4/5/25 |
| 30 Year VA Refi | 6.05% | 4/5/25 |
| 30 Year USDA Purchase | 7.01% | 4/5/25 |
| 30 Year USDA Refi | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 6.05% | 4/5/25 |
| 15 Year Conventional Refi | 5.81% | 4/5/25 |
| 15 Year Cash-out Refi | 5.81% | 4/5/25 |
| 15 Year VA Purchase | 5.84% | 4/5/25 |
| 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
9,751Origination Dollar Volume (All Markets)
$3,980,555,000Awards
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BAY EQUITY - 2024
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For 2024, 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
6.61%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.06%.
Relative Fees (Closing Costs)
Bay Equity's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,919.
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 $8,356.
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) | 771 | $430,125,000 | $557,879 | $10,020 | 6.58% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 721 | $359,305,000 | $498,343 | $7,651 | 6.51% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 910 | $281,900,000 | $309,780 | $7,568 | 6.62% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 207 | $144,445,000 | $697,802 | $11,437 | 6.70% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 442 | $137,140,000 | $310,271 | $7,128 | 6.76% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 334 | $129,660,000 | $388,204 | $8,046 | 6.69% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 324 | $125,660,000 | $387,840 | $7,764 | 6.65% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 147 | $101,985,000 | $693,776 | $9,775 | 6.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 240 | $99,690,000 | $415,375 | $7,556 | 6.54% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 132 | $95,390,000 | $722,652 | $8,446 | 6.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 186 | $94,770,000 | $509,516 | $7,296 | 6.62% |
| Glenwood Springs, CO (FHA|USDA|VA) | 196 | $89,670,000 | $457,500 | $7,641 | 6.76% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 192 | $86,620,000 | $451,146 | $9,017 | 6.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 211 | $83,965,000 | $397,938 | $9,196 | 6.56% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 161 | $82,595,000 | $513,012 | $6,714 | 6.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 181 | $75,835,000 | $418,978 | $5,601 | 6.56% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 166 | $59,140,000 | $356,265 | $8,053 | 6.60% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 123 | $55,325,000 | $449,797 | $10,102 | 6.58% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 109 | $51,405,000 | $471,606 | $6,490 | 6.56% |
| Outside of Metro Areas | 177 | $51,355,000 | $290,141 | $5,979 | 6.54% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 134 | $49,270,000 | $367,687 | $6,995 | 6.55% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 120 | $47,390,000 | $394,917 | $8,474 | 6.57% |
| Gillette, WY (FHA|USDA|VA) | 157 | $44,835,000 | $285,573 | $7,812 | 6.37% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 97 | $44,335,000 | $457,062 | $9,711 | 6.64% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 115 | $43,995,000 | $382,565 | $7,829 | 6.73% |
| PITTSBURGH, PA (FHA|USDA|VA) | 155 | $39,345,000 | $253,839 | $7,376 | 6.52% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 101 | $39,175,000 | $387,871 | $8,275 | 6.42% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 73 | $33,795,000 | $462,945 | $6,390 | 6.72% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 113 | $32,745,000 | $289,779 | $8,481 | 6.44% |
| ASHEVILLE, NC (FHA|USDA|VA) | 80 | $31,820,000 | $397,750 | $6,164 | 6.79% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 33 | $29,545,000 | $895,303 | $7,146 | 6.60% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 81 | $29,215,000 | $360,679 | $7,937 | 6.55% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 77 | $28,495,000 | $370,065 | $6,272 | 6.39% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 73 | $27,955,000 | $382,945 | $7,889 | 6.55% |
| BOISE CITY, ID (FHA|USDA|VA) | 65 | $26,625,000 | $409,615 | $8,167 | 6.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 56 | $22,530,000 | $402,321 | $5,915 | 6.62% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 53 | $20,895,000 | $394,245 | $5,395 | 6.49% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 61 | $19,855,000 | $325,492 | $6,057 | 6.68% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 48 | $18,290,000 | $381,042 | $8,212 | 6.51% |
| FRESNO, CA (FHA|USDA|VA) | 43 | $17,585,000 | $408,953 | $9,371 | 6.65% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 39 | $17,365,000 | $445,256 | $10,357 | 6.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 51 | $17,045,000 | $334,216 | $10,566 | 6.18% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 56 | $16,890,000 | $301,607 | $7,839 | 6.70% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 50 | $14,680,000 | $293,600 | $5,127 | 6.54% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 22 | $11,720,000 | $532,727 | $10,572 | 6.86% |
| FARGO, ND-MN (FHA|USDA|VA) | 43 | $11,625,000 | $270,349 | $7,796 | 6.42% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 35 | $11,395,000 | $325,571 | $6,481 | 6.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 29 | $11,105,000 | $382,931 | $7,955 | 6.72% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 46 | $10,920,000 | $237,391 | $5,374 | 6.89% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 36 | $10,830,000 | $300,833 | $6,490 | 6.98% |
| ST. GEORGE, UT (FHA|USDA|VA) | 28 | $10,580,000 | $377,857 | $9,773 | 6.60% |
| TUCSON, AZ (FHA|USDA|VA) | 34 | $9,740,000 | $286,471 | $6,602 | 6.71% |
| LOUISVILLE, KY (FHA|USDA|VA) | 45 | $9,645,000 | $214,333 | $4,866 | 6.51% |
| BEND, OR (FHA|USDA|VA) | 17 | $9,565,000 | $562,647 | $8,999 | 6.52% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 35 | $9,565,000 | $273,286 | $6,346 | 6.53% |
| COLUMBUS, OH (FHA|USDA|VA) | 22 | $9,160,000 | $416,364 | $4,881 | 6.51% |
| SALEM, OR (FHA|USDA|VA) | 25 | $9,005,000 | $360,200 | $10,265 | 6.40% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 27 | $8,985,000 | $332,778 | $7,482 | 6.67% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 25 | $8,905,000 | $356,200 | $7,627 | 6.48% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 19 | $8,825,000 | $464,474 | $8,341 | 6.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 20 | $8,570,000 | $428,500 | $5,202 | 6.73% |
| GREELEY, CO (FHA|USDA|VA) | 15 | $7,605,000 | $507,000 | $10,103 | 6.87% |
| ROCHESTER, MN (FHA|USDA|VA) | 26 | $7,510,000 | $288,846 | $6,201 | 6.83% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 24 | $7,040,000 | $293,333 | $7,162 | 6.39% |
| RICHMOND, VA (FHA|USDA|VA) | 19 | $7,035,000 | $370,263 | $6,282 | 6.93% |
| KNOXVILLE, TN (FHA|USDA|VA) | 21 | $7,005,000 | $333,571 | $6,366 | 6.59% |
| STOCKTON, CA (FHA|USDA|VA) | 14 | $6,940,000 | $495,714 | $6,184 | 6.49% |
| FORT COLLINS, CO (FHA|USDA|VA) | 18 | $6,870,000 | $381,667 | $5,932 | 6.59% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 27 | $6,825,000 | $252,778 | $5,391 | 6.68% |
| BOULDER, CO (FHA|USDA|VA) | 11 | $6,675,000 | $606,818 | $6,201 | 6.98% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 25 | $6,595,000 | $263,800 | $5,092 | 6.55% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 17 | $6,575,000 | $386,765 | $7,832 | 6.58% |
| Edwards, CO (FHA|USDA|VA) | 11 | $6,225,000 | $565,909 | $6,809 | 6.76% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 21 | $6,165,000 | $293,571 | $5,490 | 6.60% |
| PROVO-OREM, UT (FHA|USDA|VA) | 14 | $6,080,000 | $434,286 | $9,869 | 6.31% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 22 | $6,030,000 | $274,091 | $6,209 | 6.59% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 22 | $5,980,000 | $271,818 | $6,090 | 6.54% |
| VALLEJO, CA (FHA|USDA|VA) | 13 | $5,895,000 | $453,462 | $7,920 | 6.15% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 17 | $5,715,000 | $336,176 | $8,573 | 6.56% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 15 | $5,485,000 | $365,667 | $6,193 | 6.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 21 | $5,435,000 | $258,810 | $8,614 | 6.27% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 14 | $5,430,000 | $387,857 | $7,341 | 6.44% |
| LONGVIEW, WA (FHA|USDA|VA) | 14 | $5,380,000 | $384,286 | $8,257 | 6.52% |
| Oak Harbor, WA (FHA|USDA|VA) | 12 | $5,360,000 | $446,667 | $10,303 | 6.39% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 16 | $5,190,000 | $324,375 | $4,966 | 6.56% |
| COLUMBIA, SC (FHA|USDA|VA) | 15 | $5,055,000 | $337,000 | $6,609 | 6.29% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 13 | $5,045,000 | $388,077 | $5,112 | 6.79% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 12 | $5,040,000 | $420,000 | $6,944 | 6.55% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 13 | $4,975,000 | $382,692 | $5,613 | 6.43% |
| BELLINGHAM, WA (FHA|USDA|VA) | 13 | $4,935,000 | $379,615 | $7,155 | 6.74% |
| SAVANNAH, GA (FHA|USDA|VA) | 17 | $4,835,000 | $284,412 | $10,076 | 6.07% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 16 | $4,810,000 | $300,625 | $8,770 | 6.57% |
| BRUNSWICK, GA (FHA|USDA|VA) | 12 | $4,680,000 | $390,000 | $10,675 | 7.05% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 12 | $4,580,000 | $381,667 | $7,061 | 6.61% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 9 | $4,435,000 | $492,778 | $5,119 | 6.59% |
| Shelton, WA (FHA|USDA|VA) | 11 | $4,335,000 | $394,091 | $9,608 | 6.53% |
| PUEBLO, CO (FHA|USDA|VA) | 14 | $4,200,000 | $300,000 | $6,137 | 6.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 15 | $4,115,000 | $274,333 | $7,590 | 6.38% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 7 | $4,095,000 | $585,000 | $7,435 | 6.77% |
| Lebanon, NH-VT (FHA|USDA|VA) | 10 | $3,950,000 | $395,000 | $5,825 | 6.61% |
| DULUTH, MN-WI (FHA|USDA|VA) | 12 | $3,880,000 | $323,333 | $6,555 | 6.86% |
| Kalispell, MT (FHA|USDA|VA) | 10 | $3,820,000 | $382,000 | $4,975 | 6.40% |
| Aberdeen, WA (FHA|USDA|VA) | 12 | $3,810,000 | $317,500 | $9,658 | 6.54% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 14 | $3,790,000 | $270,714 | $4,706 | 6.46% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 12 | $3,660,000 | $305,000 | $6,795 | 6.46% |
| MADISON, WI (FHA|USDA|VA) | 8 | $3,620,000 | $452,500 | $4,103 | 6.87% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 12 | $3,580,000 | $298,333 | $6,170 | 6.66% |
| Owatonna, MN (FHA|USDA|VA) | 17 | $3,565,000 | $209,706 | $3,847 | 6.96% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 10 | $3,430,000 | $343,000 | $6,916 | 6.34% |
| Centralia, WA (FHA|USDA|VA) | 11 | $3,325,000 | $302,273 | $8,479 | 6.45% |
| Payson, AZ (FHA|USDA|VA) | 13 | $3,285,000 | $252,692 | $7,109 | 6.80% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 13 | $3,055,000 | $235,000 | $5,703 | 6.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 8 | $3,000,000 | $375,000 | $8,936 | 6.14% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 5 | $2,905,000 | $581,000 | $10,849 | 6.67% |
| EL PASO, TX (FHA|USDA|VA) | 9 | $2,795,000 | $310,556 | $6,934 | 6.19% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 8 | $2,780,000 | $347,500 | $6,358 | 6.47% |
| Heber, UT (FHA|USDA|VA) | 3 | $2,765,000 | $921,667 | $6,233 | 6.58% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $2,760,000 | $690,000 | $5,310 | 6.75% |
| SANTA FE, NM (FHA|USDA|VA) | 10 | $2,720,000 | $272,000 | $4,358 | 7.08% |
| RENO, NV (FHA|USDA|VA) | 6 | $2,710,000 | $451,667 | $12,523 | 6.58% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 6 | $2,710,000 | $451,667 | $4,806 | 6.91% |
| Safford, AZ (FHA|USDA|VA) | 11 | $2,705,000 | $245,909 | $12,480 | 6.61% |
| Laconia, NH (FHA|USDA|VA) | 6 | $2,610,000 | $435,000 | $5,527 | 7.00% |
| Menomonie, WI (FHA|USDA|VA) | 10 | $2,370,000 | $237,000 | $6,008 | 6.81% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 5 | $2,345,000 | $469,000 | $6,487 | 6.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 7 | $2,315,000 | $330,714 | $10,586 | 6.62% |
| Port Angeles, WA (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $10,127 | 6.77% |
| OCALA, FL (FHA|USDA|VA) | 8 | $2,160,000 | $270,000 | $6,907 | 6.72% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 6 | $2,140,000 | $356,667 | $6,167 | 6.56% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $2,130,000 | $266,250 | $6,286 | 6.44% |
| Key West, FL (FHA|USDA|VA) | 3 | $2,115,000 | $705,000 | $14,177 | 6.63% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 8 | $2,110,000 | $263,750 | $5,413 | 6.58% |
| YAKIMA, WA (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $7,435 | 6.93% |
| RACINE, WI (FHA|USDA|VA) | 7 | $2,065,000 | $295,000 | $6,374 | 7.05% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 5 | $2,045,000 | $409,000 | $6,665 | 6.72% |
| NAPA, CA (FHA|USDA|VA) | 5 | $2,035,000 | $407,000 | $5,288 | 6.53% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $2,035,000 | $678,333 | $6,778 | 7.33% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $1,985,000 | $661,667 | $7,105 | 6.87% |
| Outside of Metro Areas | 4 | $1,980,000 | $495,000 | $9,037 | 6.59% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $11,670 | 6.65% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $5,884 | 6.73% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $6,185 | 6.10% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $7,977 | 6.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $1,875,000 | $375,000 | $6,733 | 7.20% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $4,860 | 7.05% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 7 | $1,805,000 | $257,857 | $7,083 | 6.57% |
| BURLINGTON, NC (FHA|USDA|VA) | 4 | $1,760,000 | $440,000 | $10,445 | 6.21% |
| WILMINGTON, NC (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $4,327 | 6.75% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $7,031 | 6.81% |
| AKRON, OH (FHA|USDA|VA) | 7 | $1,635,000 | $233,571 | $3,744 | 6.39% |
| THE VILLAGES, FL (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $8,356 | 6.40% |
| Cañon City, CO (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $7,113 | 6.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $5,422 | 6.47% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $6,431 | 6.85% |
| Montrose, CO (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $6,013 | 6.75% |
| Hilo, HI (FHA|USDA|VA) | 3 | $1,565,000 | $521,667 | $9,370 | 6.91% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $4,938 | 6.27% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $10,255 | 6.25% |
| Ellensburg, WA (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $8,890 | 7.03% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $5,579 | 6.29% |
| ST. CLOUD, MN (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $4,696 | 6.95% |
| GREEN BAY, WI (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $6,505 | 6.72% |
| Sheridan, WY (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $9,533 | 6.79% |
| Whitewater, WI (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $4,049 | 6.80% |
| Durango, CO (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $11,832 | 6.70% |
| Cedar City, UT (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $9,175 | 6.53% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $9,267 | 6.50% |
| MANKATO, MN (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $4,719 | 7.12% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $10,155 | 6.55% |
| Boone, NC (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $10,330 | 6.87% |
| MADERA, CA (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $11,686 | 6.87% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $9,645 | 6.79% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $5,438 | 6.44% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $8,106 | 6.62% |
| CORVALLIS, OR (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $10,250 | 6.37% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $5,354 | 6.66% |
| Winona, MN (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $5,808 | 7.08% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $14,781 | 6.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $5,293 | 6.99% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $10,661 | 7.12% |
| Red Wing, MN (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $7,194 | 6.78% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $4,534 | 6.67% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $7,972 | 6.92% |
| GAINESVILLE, GA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $9,851 | 6.13% |
| Keene, NH (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $6,243 | 6.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $5,145 | 6.33% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $10,021 | 7.29% |
| Berlin, NH (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $6,646 | 6.38% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $4,787 | 6.31% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $8,999 | 7.13% |
| Marion, NC (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,792 | 6.62% |
| Holland, MI (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,692 | 6.72% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $8,947 | 6.19% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $6,210 | 7.25% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $4,797 | 6.81% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $9,612 | 7.68% |
| Sanford, NC (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $4,285 | 6.50% |
| CASPER, WY (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $9,082 | 6.66% |
| Granbury, TX (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $10,098 | 6.94% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $6,410 | 6.59% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,381 | 7.56% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $11,244 | 6.00% |
| Ontario, OR-ID (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $9,202 | 6.33% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,577 | 6.71% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,825 | 6.13% |
| NILES, MI (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $4,265 | 7.06% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $7,878 | 6.19% |
| Hood River, OR (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $6,560 | 6.88% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,040 | 6.50% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $10,308 | 7.00% |
| TYLER, TX (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $7,567 | 5.92% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,412 | 6.96% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $14,650 | 6.37% |
| Somerset, PA (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $6,771 | 6.99% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,985 | 6.71% |
| Austin, MN (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,341 | 6.58% |
| Brevard, NC (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,782 | 6.44% |
| HINESVILLE, GA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,455 | 6.50% |
| Newport, OR (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,431 | 6.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,029 | 6.38% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $10,563 | 6.63% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,088 | 6.96% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $7,862 | 6.49% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,647 | 6.12% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,111 | 6.50% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,550 | 6.31% |
| DALTON, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,475 | 6.63% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,729 | 6.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,375 | 6.18% |
| Astoria, OR (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,751 | 6.63% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,773 | 6.63% |
| WACO, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,332 | 6.43% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,006 | 6.33% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,706 | 6.33% |
| Seneca, SC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $13,018 | 7.13% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $9,304 | 7.63% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,837 | 6.94% |
| Fergus Falls, MN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,273 | 6.68% |
| Barre, VT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,126 | 6.99% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $14,249 | 6.25% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $20,094 | 6.75% |
| TULSA, OK (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,032 | 6.50% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,935 | 7.25% |
| New Castle, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $9,849 | 6.44% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,973 | 6.31% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,579 | 5.94% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,900 | 7.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,719 | 6.13% |
| Taos, NM (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,303 | 6.99% |
| Craig, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,980 | 7.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,688 | 6.19% |
| Russellville, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,287 | 5.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,990 | 7.13% |
| Concord, NH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,527 | 6.25% |
| ROME, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $27,430 | 5.49% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,599 | 6.75% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,629 | 6.38% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,325 | 6.99% |
| Pullman, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,540 | 7.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,606 | 6.13% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,502 | 6.99% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,398 | 6.63% |
| Riverton, WY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,653 | 6.63% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,596 | 5.99% |
| DOVER, DE (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,031 | 5.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,702 | 6.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,947 | 6.99% |
| Salem, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,961 | 7.38% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,569 | 5.99% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,722 | 6.63% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,871 | 6.63% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,562 | 7.49% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,725 | 6.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,851 | 7.38% |
| Henderson, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,983 | 6.25% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,700 | 6.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,021 | 6.88% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,805 | 5.75% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,895 | 6.50% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,192 | 6.13% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,684 | 7.13% |
| Danville, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,710 | 7.00% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,458 | 7.49% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,063 | 6.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,722 | 6.63% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,747 | 6.50% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,496 | 6.99% |
| Jesup, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,222 | 7.13% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,063 | 6.63% |
| Bardstown, KY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,129 | 4.88% |
| MONROE, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,329 | 6.99% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,456 | 6.63% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,266 | 7.13% |
| Pontiac, IL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,439 | 6.94% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,836 | 6.63% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,314 | 7.13% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,181 | 5.94% |
| Shelby, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,260 | 5.99% |
| READING, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,756 | 6.13% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,687 | 6.25% |
| Fernley, NV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,930 | 7.75% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,677 | 6.63% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,527 | 6.63% |
| Moscow, ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,832 | 6.13% |
| AMES, IA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,511 | 6.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,842 | 6.49% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,111 | 6.88% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,674 | 6.88% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,702 | 6.49% |
| Meadville, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,759 | 6.49% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,909 | 7.13% |
| Emporia, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,695 | 7.38% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,467 | 6.38% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,570 | 5.88% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,166 | 6.75% |
| Ada, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,352 | 7.49% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,536 | 6.63% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,458 | 6.88% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,925 | 6.25% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,673 | 6.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,618 | 6.63% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,269 | 7.25% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,663 | 6.13% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,732 | 6.25% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,686 | 6.88% |
| CHICO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,892 | 6.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,786 | 6.25% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,700 | 6.25% |
| Atchison, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,044 | 7.75% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,343 | 6.49% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,613 | 6.99% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,620 | 6.25% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,082 | 5.88% |
| St. Marys, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,364 | 7.25% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,608 | 6.88% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,697 | 6.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,536 | 6.13% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,771 | 6.63% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,964 | 6.49% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,940 | 6.87% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,151 | 6.99% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,967 | 6.63% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,729 | 6.88% |
| Lexington, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,547 | 5.99% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,806 | 5.99% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,476 | 6.25% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,642 | 6.99% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,584 | 5.99% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,654 | 5.99% |
| Fairmont, MN (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $2,269 | 7.38% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,772 | 6.99% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,814 | 5.25% |
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Product Mix
For 2024, Bay Equity's most frequently originated type of loan was Conventional, with 7,476 originations. Their 2nd most popular type was FHA, with 1,480 originations.
Loan Reason
For 2024, Bay Equity's most frequently cited loan purpose was Home Purchase, with 9,271 originations. The 2nd most popular reason was Cash Out Refi, with 289 originations.
Loan Duration/Length
For 2024, Bay Equity's most frequently cited loan duration was 30 Year, with 9,421 originations. The 2nd most popular length was 15 Year, with 135 originations.
Origination Fees/Closing Costs
Bay Equity's average total fees were $7,919, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,748 originations.
Interest Rates
During 2024, Bay Equity's average interest rate for loans was 6.61%, while their most frequently originated rate bucket for loans was 6-7%, with 6,841 originations.
Loan Sizing
2024 saw Bay Equity place emphasis on $200k-400k loans with 4,375 originations, totaling $1,319,035,000 in origination value.
Applicant Income
Bay Equity lent most frequently to those with incomes in the $100k-150k range, with 2,775 originations. The second most popular income band? $150k-250k, with 2,644 originations.
Applicant Debt to Income Ratio
Bay Equity lent most frequently to those with DTI ratios of 30-36%, with 1,496 originations. The next most common DTI ratio? 20-30%, with 1,375 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.65%
Bay Equity has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination62.57%
Bay Equity has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 9,751 | $3,980,555,000 | $408,220 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 9,751 | $3,980,555,000 | $408,220 |