Bay Equity Mortgage Rates, Fees & Info
Los Angeles, CALEI: 549300PL8ER6H23P0Z91
Tax ID: 26-0360466
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Bay Equity is a large mortgage company specializing in Home Purchase and 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: Seattle, San Diego, Phoenix, Minneapolis, and Grand Junction among others. We have data for 356 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 | 6.63% | 4/14/24 |
| 30 Year Conventional Refi | 6.55% | 4/14/24 |
| 30 Year Cash-out Refi | 6.78% | 4/14/24 |
| 30 Year FHA Purchase | 7.49% | 4/14/24 |
| 30 Year FHA Refi | 7.02% | 4/14/24 |
| 30 Year VA Purchase | 6.27% | 4/14/24 |
| 30 Year VA Refi | 6.19% | 4/14/24 |
| 30 Year USDA Purchase | 6.74% | 4/14/24 |
| 30 Year USDA Refi | 6.27% | 4/14/24 |
| 15 Year Conventional Purchase | 6.02% | 4/14/24 |
| 15 Year Conventional Refi | 6.10% | 4/14/24 |
| 15 Year Cash-out Refi | 6.10% | 4/14/24 |
| 15 Year FHA Purchase | 5.68% | 4/14/24 |
| 15 Year FHA Refi | 7.10% | 4/14/24 |
| 15 Year VA Refi | 5.92% | 4/14/24 |
| 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
31,172Origination Dollar Volume (All Markets)
$9,499,400,000Awards
×
![]()
BAY EQUITY - 2020
BAY EQUITY is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
Work for BAY EQUITY?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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) | 2,461 | $960,415,000 | $390,254 | $6,917 | 3.23% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1,760 | $835,780,000 | $474,875 | $5,989 | 3.14% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2,331 | $660,295,000 | $283,267 | $5,341 | 3.34% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2,504 | $648,730,000 | $259,077 | $4,677 | 3.19% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2,027 | $512,675,000 | $252,923 | $3,965 | 3.23% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1,239 | $418,115,000 | $337,462 | $3,839 | 3.19% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1,275 | $359,155,000 | $281,690 | $6,221 | 3.32% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 583 | $327,725,000 | $562,136 | $5,317 | 3.17% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1,408 | $286,750,000 | $203,658 | $3,479 | 3.39% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 782 | $286,070,000 | $365,818 | $3,902 | 3.16% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1,163 | $260,405,000 | $223,908 | $5,203 | 3.14% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 552 | $254,880,000 | $461,739 | $6,449 | 3.18% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 750 | $222,630,000 | $296,840 | $5,054 | 3.13% |
| Kalispell, MT (FHA|USDA|VA) | 748 | $216,040,000 | $288,824 | $4,449 | 3.22% |
| FRESNO, CA (FHA|USDA|VA) | 622 | $200,560,000 | $322,444 | $5,991 | 3.28% |
| Outside of Metro Areas | 763 | $187,955,000 | $246,337 | $4,955 | 3.28% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 372 | $130,090,000 | $349,704 | $5,945 | 3.16% |
| ST. GEORGE, UT (FHA|USDA|VA) | 440 | $123,380,000 | $280,409 | $6,634 | 3.32% |
| Steamboat Springs, CO (FHA|USDA|VA) | 347 | $117,725,000 | $339,265 | $4,000 | 3.18% |
| Gillette, WY (FHA|USDA|VA) | 510 | $111,050,000 | $217,745 | $6,202 | 3.17% |
| RENO, NV (FHA|USDA|VA) | 301 | $99,585,000 | $330,847 | $7,209 | 3.11% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 233 | $80,545,000 | $345,687 | $6,693 | 3.12% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 133 | $74,965,000 | $563,647 | $4,412 | 3.18% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 141 | $72,605,000 | $514,929 | $5,239 | 3.04% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 206 | $63,740,000 | $309,417 | $7,799 | 3.21% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 272 | $62,020,000 | $228,015 | $4,497 | 3.34% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 235 | $58,865,000 | $250,489 | $6,566 | 3.35% |
| ASHEVILLE, NC (FHA|USDA|VA) | 188 | $56,830,000 | $302,287 | $4,184 | 3.29% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 232 | $56,260,000 | $242,500 | $5,612 | 3.19% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 133 | $55,645,000 | $418,383 | $5,556 | 3.10% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 176 | $49,550,000 | $281,534 | $4,313 | 3.26% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 145 | $47,985,000 | $330,931 | $8,203 | 3.03% |
| Edwards, CO (FHA|USDA|VA) | 118 | $47,920,000 | $406,102 | $4,043 | 3.22% |
| STOCKTON, CA (FHA|USDA|VA) | 143 | $42,325,000 | $295,979 | $7,454 | 3.27% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 138 | $42,150,000 | $305,435 | $6,240 | 3.41% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 235 | $40,445,000 | $172,106 | $3,836 | 3.59% |
| COLUMBIA, SC (FHA|USDA|VA) | 213 | $38,575,000 | $181,103 | $5,629 | 3.51% |
| WENATCHEE, WA (FHA|USDA|VA) | 130 | $37,840,000 | $291,077 | $8,025 | 3.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 178 | $36,570,000 | $205,449 | $4,908 | 3.21% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 134 | $35,710,000 | $266,493 | $8,940 | 3.45% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 59 | $35,095,000 | $594,831 | $7,760 | 3.15% |
| Montrose, CO (FHA|USDA|VA) | 135 | $34,415,000 | $254,926 | $4,045 | 3.33% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 93 | $33,065,000 | $355,538 | $6,409 | 3.29% |
| TUCSON, AZ (FHA|USDA|VA) | 132 | $30,430,000 | $230,530 | $5,337 | 3.45% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 105 | $29,895,000 | $284,714 | $5,068 | 3.14% |
| BOISE CITY, ID (FHA|USDA|VA) | 82 | $26,930,000 | $328,415 | $5,130 | 3.16% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 112 | $25,210,000 | $225,089 | $5,111 | 3.24% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 98 | $24,970,000 | $254,796 | $4,663 | 3.22% |
| BRUNSWICK, GA (FHA|USDA|VA) | 102 | $24,310,000 | $238,333 | $6,595 | 3.09% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 83 | $23,465,000 | $282,711 | $6,911 | 3.26% |
| Sevierville, TN (FHA|USDA|VA) | 98 | $23,320,000 | $237,959 | $5,489 | 3.40% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 48 | $22,450,000 | $467,708 | $5,270 | 3.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 81 | $21,565,000 | $266,235 | $8,071 | 3.34% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 86 | $21,380,000 | $248,605 | $5,332 | 3.28% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 73 | $20,415,000 | $279,658 | $6,073 | 3.26% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 96 | $20,130,000 | $209,688 | $6,026 | 3.20% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 83 | $18,825,000 | $226,807 | $6,516 | 3.53% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 79 | $18,675,000 | $236,392 | $5,146 | 3.18% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 59 | $18,565,000 | $314,661 | $8,104 | 3.39% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 87 | $17,715,000 | $203,621 | $6,507 | 3.56% |
| KNOXVILLE, TN (FHA|USDA|VA) | 91 | $17,055,000 | $187,418 | $5,732 | 3.37% |
| Ellensburg, WA (FHA|USDA|VA) | 54 | $16,780,000 | $310,741 | $6,824 | 3.14% |
| Safford, AZ (FHA|USDA|VA) | 82 | $16,170,000 | $197,195 | $7,612 | 3.46% |
| Payson, AZ (FHA|USDA|VA) | 79 | $15,915,000 | $201,456 | $5,234 | 3.41% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 64 | $15,390,000 | $240,469 | $7,977 | 3.86% |
| MADERA, CA (FHA|USDA|VA) | 53 | $15,115,000 | $285,189 | $6,642 | 3.33% |
| MODESTO, CA (FHA|USDA|VA) | 49 | $14,695,000 | $299,898 | $5,792 | 3.25% |
| ROCHESTER, MN (FHA|USDA|VA) | 65 | $14,325,000 | $220,385 | $4,729 | 3.16% |
| BELLINGHAM, WA (FHA|USDA|VA) | 41 | $13,325,000 | $325,000 | $6,306 | 3.23% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 26 | $13,130,000 | $505,000 | $6,570 | 3.32% |
| GREELEY, CO (FHA|USDA|VA) | 41 | $12,585,000 | $306,951 | $4,562 | 3.34% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 47 | $12,475,000 | $265,426 | $5,710 | 3.26% |
| BOULDER, CO (FHA|USDA|VA) | 36 | $12,300,000 | $341,667 | $3,252 | 3.15% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 45 | $12,205,000 | $271,222 | $5,527 | 3.29% |
| PROVO-OREM, UT (FHA|USDA|VA) | 37 | $12,065,000 | $326,081 | $5,754 | 3.22% |
| VALLEJO, CA (FHA|USDA|VA) | 31 | $12,055,000 | $388,871 | $6,688 | 3.33% |
| Shelton, WA (FHA|USDA|VA) | 40 | $11,190,000 | $279,750 | $6,924 | 3.36% |
| Owatonna, MN (FHA|USDA|VA) | 56 | $11,080,000 | $197,857 | $3,837 | 3.06% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 24 | $10,340,000 | $430,833 | $9,305 | 3.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 21 | $10,325,000 | $491,667 | $5,388 | 3.06% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 44 | $10,200,000 | $231,818 | $7,041 | 3.37% |
| Cedar City, UT (FHA|USDA|VA) | 45 | $10,045,000 | $223,222 | $7,523 | 3.39% |
| FORT COLLINS, CO (FHA|USDA|VA) | 32 | $9,950,000 | $310,938 | $3,913 | 3.21% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 47 | $9,855,000 | $209,681 | $6,266 | 3.53% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 49 | $9,815,000 | $200,306 | $6,023 | 3.09% |
| ST. CLOUD, MN (FHA|USDA|VA) | 45 | $9,185,000 | $204,111 | $4,590 | 3.25% |
| GAINESVILLE, GA (FHA|USDA|VA) | 27 | $9,125,000 | $337,963 | $6,450 | 3.22% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 34 | $9,070,000 | $266,765 | $8,703 | 3.33% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 29 | $9,005,000 | $310,517 | $4,770 | 3.27% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 27 | $8,875,000 | $328,704 | $7,792 | 3.17% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 23 | $8,685,000 | $377,609 | $5,407 | 3.11% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 35 | $8,675,000 | $247,857 | $5,025 | 3.20% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 32 | $8,520,000 | $266,250 | $5,798 | 3.06% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 30 | $8,300,000 | $276,667 | $4,614 | 3.23% |
| DULUTH, MN-WI (FHA|USDA|VA) | 38 | $8,120,000 | $213,684 | $5,240 | 3.18% |
| Torrington, CT (FHA|USDA|VA) | 43 | $7,865,000 | $182,907 | $5,507 | 3.08% |
| BEND, OR (FHA|USDA|VA) | 15 | $7,615,000 | $507,667 | $7,990 | 3.17% |
| SALINAS, CA (FHA|USDA|VA) | 12 | $7,580,000 | $631,667 | $6,130 | 3.27% |
| Craig, CO (FHA|USDA|VA) | 35 | $7,455,000 | $213,000 | $4,899 | 3.21% |
| Oak Harbor, WA (FHA|USDA|VA) | 21 | $7,205,000 | $343,095 | $7,934 | 3.33% |
| Show Low, AZ (FHA|USDA|VA) | 26 | $6,970,000 | $268,077 | $5,158 | 3.31% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 32 | $6,780,000 | $211,875 | $4,918 | 3.19% |
| PUEBLO, CO (FHA|USDA|VA) | 30 | $6,750,000 | $225,000 | $4,605 | 3.27% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 27 | $6,385,000 | $236,481 | $4,944 | 3.34% |
| Outside of Metro Areas | 19 | $6,365,000 | $335,000 | $7,224 | 3.11% |
| Breckenridge, CO (FHA|USDA|VA) | 17 | $6,195,000 | $364,412 | $3,794 | 3.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 23 | $6,005,000 | $261,087 | $6,388 | 3.14% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 19 | $5,875,000 | $309,211 | $5,540 | 3.10% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 21 | $5,875,000 | $279,762 | $7,110 | 3.42% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 26 | $5,790,000 | $222,692 | $4,546 | 3.13% |
| Brainerd, MN (FHA|USDA|VA) | 27 | $5,745,000 | $212,778 | $4,240 | 3.12% |
| NAPA, CA (FHA|USDA|VA) | 10 | $5,680,000 | $568,000 | $7,606 | 3.01% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 29 | $5,625,000 | $193,966 | $5,350 | 3.44% |
| Centralia, WA (FHA|USDA|VA) | 22 | $5,590,000 | $254,091 | $7,942 | 3.07% |
| Richmond-Berea, KY (FHA|USDA|VA) | 26 | $5,550,000 | $213,462 | $5,057 | 3.75% |
| PITTSFIELD, MA (FHA|USDA|VA) | 24 | $5,360,000 | $223,333 | $5,150 | 3.36% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 34 | $5,120,000 | $150,588 | $4,045 | 3.64% |
| Aberdeen, WA (FHA|USDA|VA) | 26 | $4,990,000 | $191,923 | $5,537 | 3.26% |
| Fernley, NV (FHA|USDA|VA) | 18 | $4,970,000 | $276,111 | $7,420 | 3.08% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 14 | $4,920,000 | $351,429 | $5,935 | 3.42% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 15 | $4,235,000 | $282,333 | $5,009 | 3.23% |
| MISSOULA, MT (FHA|USDA|VA) | 17 | $4,205,000 | $247,353 | $3,760 | 3.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 12 | $4,180,000 | $348,333 | $8,299 | 3.04% |
| Heber, UT (FHA|USDA|VA) | 8 | $4,140,000 | $517,500 | $6,837 | 3.03% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 20 | $3,980,000 | $199,000 | $7,977 | 3.98% |
| SALEM, OR (FHA|USDA|VA) | 13 | $3,885,000 | $298,846 | $7,525 | 3.33% |
| WALLA WALLA, WA (FHA|USDA|VA) | 13 | $3,845,000 | $295,769 | $4,980 | 3.23% |
| Durango, CO (FHA|USDA|VA) | 12 | $3,680,000 | $306,667 | $4,525 | 3.03% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $3,635,000 | $519,286 | $7,553 | 3.23% |
| Bardstown, KY (FHA|USDA|VA) | 23 | $3,595,000 | $156,304 | $4,176 | 3.80% |
| SANTA FE, NM (FHA|USDA|VA) | 12 | $3,520,000 | $293,333 | $5,129 | 3.40% |
| VISALIA, CA (FHA|USDA|VA) | 11 | $3,385,000 | $307,727 | $8,644 | 3.43% |
| CORVALLIS, OR (FHA|USDA|VA) | 13 | $3,385,000 | $260,385 | $7,463 | 3.43% |
| YAKIMA, WA (FHA|USDA|VA) | 13 | $3,335,000 | $256,538 | $7,546 | 3.53% |
| MERCED, CA (FHA|USDA|VA) | 9 | $3,005,000 | $333,889 | $7,080 | 3.18% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 13 | $2,995,000 | $230,385 | $5,212 | 3.43% |
| Moses Lake, WA (FHA|USDA|VA) | 12 | $2,970,000 | $247,500 | $6,663 | 3.05% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $2,950,000 | $491,667 | $6,447 | 3.23% |
| Fort Morgan, CO (FHA|USDA|VA) | 10 | $2,930,000 | $293,000 | $5,300 | 3.52% |
| CARSON CITY, NV (FHA|USDA|VA) | 10 | $2,930,000 | $293,000 | $6,811 | 3.17% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 10 | $2,900,000 | $290,000 | $3,662 | 3.01% |
| Hutchinson, MN (FHA|USDA|VA) | 16 | $2,860,000 | $178,750 | $4,350 | 3.26% |
| Sheridan, WY (FHA|USDA|VA) | 11 | $2,805,000 | $255,000 | $7,363 | 3.22% |
| SAVANNAH, GA (FHA|USDA|VA) | 10 | $2,790,000 | $279,000 | $6,340 | 3.02% |
| Sonora, CA (FHA|USDA|VA) | 8 | $2,650,000 | $331,250 | $5,118 | 3.19% |
| Pahrump, NV (FHA|USDA|VA) | 11 | $2,605,000 | $236,818 | $5,757 | 3.33% |
| HINESVILLE, GA (FHA|USDA|VA) | 13 | $2,605,000 | $200,385 | $4,980 | 3.91% |
| MORRISTOWN, TN (FHA|USDA|VA) | 15 | $2,605,000 | $173,667 | $6,495 | 3.35% |
| CHEYENNE, WY (FHA|USDA|VA) | 9 | $2,605,000 | $289,444 | $5,231 | 2.86% |
| Kapaa, HI (FHA|USDA|VA) | 5 | $2,525,000 | $505,000 | $6,284 | 3.42% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $2,390,000 | $298,750 | $3,036 | 3.00% |
| Bozeman, MT (FHA|USDA|VA) | 7 | $2,325,000 | $332,143 | $5,781 | 3.39% |
| Frankfort, KY (FHA|USDA|VA) | 16 | $2,300,000 | $143,750 | $3,356 | 3.62% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 7 | $2,285,000 | $326,429 | $5,342 | 3.00% |
| Jefferson, GA (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $6,035 | 3.11% |
| Alexander City, AL (FHA|USDA|VA) | 7 | $2,255,000 | $322,143 | $3,958 | 3.14% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 9 | $2,205,000 | $245,000 | $5,117 | 3.43% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $4,589 | 2.87% |
| Red Wing, MN (FHA|USDA|VA) | 11 | $1,875,000 | $170,455 | $7,139 | 3.18% |
| MANKATO, MN (FHA|USDA|VA) | 9 | $1,785,000 | $198,333 | $5,146 | 3.43% |
| SUMTER, SC (FHA|USDA|VA) | 10 | $1,770,000 | $177,000 | $5,319 | 3.14% |
| Spearfish, SD (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $5,701 | 2.94% |
| Concord, NH (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $6,220 | 2.94% |
| CASPER, WY (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $8,419 | 3.25% |
| Newport, OR (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $5,585 | 3.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $5,933 | 2.95% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 8 | $1,480,000 | $185,000 | $4,785 | 3.34% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $5,420 | 3.39% |
| Key West, FL (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $5,690 | 3.46% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 9 | $1,445,000 | $160,556 | $4,530 | 3.19% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $5,113 | 3.34% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $7,539 | 3.68% |
| SPARTANBURG, SC (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $6,481 | 4.07% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $3,749 | 3.22% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $7,565 | 3.93% |
| St. Marys, GA (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $5,750 | 3.20% |
| LONGVIEW, WA (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $3,676 | 3.60% |
| Sandpoint, ID (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $5,618 | 3.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $4,923 | 3.68% |
| Española, NM (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $4,667 | 3.17% |
| YUMA, AZ (FHA|USDA|VA) | 6 | $1,180,000 | $196,667 | $3,224 | 3.31% |
| Brevard, NC (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $4,787 | 3.22% |
| Jesup, GA (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $6,064 | 3.60% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $6,237 | 3.15% |
| REDDING, CA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $4,520 | 2.94% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $3,690 | 3.56% |
| Marion, NC (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $5,836 | 3.03% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $10,513 | 3.56% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $4,819 | 3.56% |
| Elko, NV (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $6,428 | 2.85% |
| THE VILLAGES, FL (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $4,618 | 2.95% |
| Albert Lea, MN (FHA|USDA|VA) | 6 | $1,000,000 | $166,667 | $3,895 | 2.98% |
| LOGAN, UT-ID (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $3,609 | 3.12% |
| Cañon City, CO (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $3,576 | 3.06% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,580 | 3.65% |
| Hilo, HI (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $6,711 | 3.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 8 | $930,000 | $116,250 | $4,651 | 4.33% |
| Fergus Falls, MN (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $7,555 | 3.15% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $4,135 | 3.54% |
| Vernal, UT (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $9,980 | 2.96% |
| RACINE, WI (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $2,612 | 3.00% |
| Forest City, NC (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $5,118 | 3.53% |
| EL CENTRO, CA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $4,263 | 3.38% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $9,550 | 3.16% |
| Clearlake, CA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $5,990 | 3.37% |
| Laconia, NH (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,727 | 3.63% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $5,603 | 3.25% |
| Ottawa, IL (FHA|USDA|VA) | 7 | $785,000 | $112,143 | $3,865 | 3.39% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $4,445 | 3.25% |
| ROME, GA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $5,177 | 3.34% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,886 | 3.42% |
| Helena, MT (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $3,804 | 3.59% |
| ODESSA, TX (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $5,240 | 3.25% |
| BILLINGS, MT (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,415 | 3.33% |
| Statesboro, GA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,494 | 3.67% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,445 | 3.31% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $5,858 | 3.25% |
| MADISON, WI (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,275 | 3.25% |
| Seneca, SC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,660 | 3.62% |
| FARGO, ND-MN (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $4,354 | 3.48% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $4,784 | 2.85% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $9,157 | 3.38% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,454 | 3.37% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $5,929 | 3.29% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,007 | 3.62% |
| Newport, TN (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $5,639 | 3.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,455 | 2.63% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $4,082 | 3.29% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,892 | 3.88% |
| Pullman, WA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $8,292 | 3.21% |
| Evanston, WY (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $8,552 | 3.25% |
| GREAT FALLS, MT (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $2,359 | 2.96% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $7,783 | 3.88% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $7,151 | 3.08% |
| Rochelle, IL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,326 | 2.75% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $7,235 | 3.31% |
| TOPEKA, KS (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $4,628 | 3.34% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,293 | 3.50% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $9,023 | 2.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,102 | 2.63% |
| Minot, ND (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $6,075 | 3.50% |
| TULSA, OK (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,591 | 3.25% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,938 | 3.31% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,898 | 2.99% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,492 | 2.99% |
| Hobbs, NM (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $9,358 | 3.38% |
| Arcadia, FL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $4,079 | 3.54% |
| Keene, NH (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $4,834 | 2.99% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,153 | 3.38% |
| Astoria, OR (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,584 | 3.38% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,917 | 3.31% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,262 | 3.19% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $6,262 | 3.04% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,531 | 3.58% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,413 | 3.31% |
| Menomonie, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,758 | 3.38% |
| Waycross, GA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,635 | 2.99% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $3,609 | 2.88% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,771 | 2.99% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $4,503 | 3.54% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,386 | 3.62% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $8,920 | 3.81% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,421 | 3.00% |
| Grand Rapids, MN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,528 | 3.00% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 3.63% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,830 | 3.38% |
| Boone, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,697 | 2.50% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,192 | 2.75% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,355 | 2.38% |
| POCATELLO, ID (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,445 | 3.21% |
| Danville, KY (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,533 | 3.37% |
| Fort Payne, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,879 | 2.75% |
| CHICO, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,439 | 2.63% |
| WACO, TX (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $4,510 | 3.67% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,250 | 3.50% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,827 | 3.38% |
| Winona, MN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,676 | 3.13% |
| Newberry, SC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,085 | 3.81% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,989 | 3.50% |
| NILES, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,882 | 2.99% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,192 | 2.25% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,551 | 3.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,463 | 2.38% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,618 | 2.63% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,979 | 3.18% |
| Madison, IN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,001 | 3.06% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,373 | 3.38% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,299 | 3.63% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $15,639 | 2.75% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,352 | 3.88% |
| Laramie, WY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,366 | 3.25% |
| Athens, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,506 | 2.88% |
| Shelby, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,002 | 2.87% |
| Port Lavaca, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,646 | 3.06% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $14,666 | 2.75% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $643 | 2.75% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,780 | 2.99% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,296 | 3.25% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,018 | 3.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,756 | 3.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,410 | 2.25% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,024 | 3.99% |
| Marshall, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,220 | 3.50% |
| Atchison, KS (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,245 | 3.19% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,603 | 3.99% |
| Summerville, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,631 | 2.99% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,756 | 2.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,833 | 2.99% |
| Granbury, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,428 | 2.63% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,207 | 3.13% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,181 | 2.88% |
| Troy, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,436 | 2.75% |
| Dublin, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,226 | 2.75% |
| Riverton, WY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,798 | 3.50% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.63% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 3.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,236 | 3.25% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,649 | 3.50% |
| Durant, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,684 | 3.00% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,831 | 3.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,007 | 3.31% |
| Scottsburg, IN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,514 | 3.31% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,897 | 3.99% |
| Hood River, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,639 | 2.99% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,311 | 4.50% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,455 | 2.88% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,146 | 2.25% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,664 | 3.99% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,278 | 4.25% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,886 | 2.99% |
| Moscow, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,081 | 3.63% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,481 | 3.50% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,066 | 2.50% |
| Taos, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,180 | 4.38% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,607 | 2.99% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,296 | 3.63% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,372 | 3.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,725 | 3.63% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,775 | 3.25% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,719 | 3.75% |
| Brenham, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,818 | 3.25% |
| Seymour, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,526 | 4.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,207 | 2.99% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,952 | 2.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.88% |
| McAlester, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,669 | 3.50% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,542 | 3.63% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,015 | 2.99% |
| Palatka, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,282 | 3.25% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 3.75% |
| Dayton, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,462 | 3.25% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,878 | 2.63% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,328 | 3.13% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,201 | 2.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,823 | 3.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.99% |
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.
HAWAIIAN FINANCIAL
Similarity Rank: 92
Similarity Rank: 92
Bridgewater Savings Bank
Similarity Rank: 102
Similarity Rank: 102
ALOHA PACIFIC
Similarity Rank: 124
Similarity Rank: 124
Florence Bank
Similarity Rank: 174
Similarity Rank: 174
Home Federal Bank of Tennessee
Similarity Rank: 176
Similarity Rank: 176
University of Hawaii Federal Credit Union
Similarity Rank: 204
Similarity Rank: 204
Thomaston Savings Bank
Similarity Rank: 225
Similarity Rank: 225
SPOKANE FIREFIGHTERS CREDIT UNION
Similarity Rank: 231
Similarity Rank: 231
Northwest Community Bank
Similarity Rank: 231
Similarity Rank: 231
SmartBank
Similarity Rank: 240
Similarity Rank: 240
Product Mix
For 2020, Bay Equity's most frequently originated type of loan was Conventional, with 24,452 originations. Their 2nd most popular type was FHA, with 4,245 originations.
Loan Reason
For 2020, Bay Equity's most frequently cited loan purpose was Home Purchase, with 13,450 originations. The 2nd most popular reason was Refi, with 12,565 originations.
Loan Duration/Length
For 2020, Bay Equity's most frequently cited loan duration was 30 Year, with 26,680 originations. The 2nd most popular length was 15 Year, with 2,782 originations.
Origination Fees/Closing Costs
Bay Equity's average total fees were $5,630, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 13,815 originations.
Interest Rates
During 2020, Bay Equity's average interest rate for loans was 3.29%, while their most frequently originated rate bucket for loans was 3-4%, with 16,349 originations.
Loan Sizing
2020 saw Bay Equity place emphasis on $200k-400k loans with 16,818 originations, totaling $4,797,850,000 in origination value.
Applicant Income
Bay Equity lent most frequently to those with incomes in the $50k-75k range, with 7,271 originations. The second most popular income band? $100k-150k, with 6,976 originations.
Applicant Debt to Income Ratio
Bay Equity lent most frequently to those with DTI ratios of 20-30%, with 6,431 originations. The next most common DTI ratio? 30-36%, with 5,551 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.85%
Bay Equity has an average approval rate.
Pick Rate
Approvals leading to origination91.11%
Bay Equity has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 31,172 | $9,499,400,000 | $304,741 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 607 | $124,495,000 | $205,099 |
| Single Family (1-4 Units):Site-Built | 30,565 | $9,374,905,000 | $306,720 |