Homeside Financial Mortgage Rates, Fees & Info

LUTHERVILLE TIMONIUM, MD

LEI: 549300RN01LBYR8ZVX74

Tax ID: 46-3689142

4.2 stars - Updated: 6/17/24 - out of 5 stars, based on 94 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Homeside Financial is a small mortgage company specializing in Home Purchase loans. Homeside Financial has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Dallas, Washington, Miami, Chicago, and Columbus among others. We have data for 462 markets. (Some data included below & more in-depth data is available with an active subscription.)

Homeside Financial has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Homeside Financial 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 relatively high 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
Home Equity Line of Credit (HELOC) 7.06% 6/17/24
30 Year Conventional Purchase 6.75% 6/17/24
30 Year Conventional Refi 6.96% 6/17/24
30 Year Cash-out Refi 6.87% 6/17/24
30 Year FHA Purchase 7.55% 6/17/24
30 Year FHA Refi 7.18% 6/17/24
30 Year VA Purchase 6.32% 6/17/24
30 Year VA Refi 5.96% 6/17/24
30 Year USDA Purchase 6.96% 6/17/24
15 Year Conventional Purchase 6.06% 6/17/24
15 Year Conventional Refi 6.36% 6/17/24
15 Year Cash-out Refi 6.36% 6/17/24
15 Year FHA Purchase 5.68% 6/17/24
15 Year FHA Refi 5.68% 6/17/24
15 Year VA Purchase 5.68% 6/17/24
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.

Homeside Financial Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Homeside Financial. 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

8,747

Origination Dollar Volume (All Markets)

$2,528,005,000
Show all (20) awards

Relative Rate

Homeside Financial's average 30 year fixed mortgage rate was 6.7%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.22%.

Relative Fees (Closing Costs)

Homeside Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $9,209.

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 $9,089.

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
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 734 $315,300,000 $429,564 $12,042 6.21%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 595 $239,385,000 $402,328 $11,193 6.81%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 410 $141,260,000 $344,537 $12,772 6.17%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 451 $124,485,000 $276,020 $6,873 6.89%
COLUMBUS, OH (FHA|USDA|VA) 356 $107,610,000 $302,275 $8,165 7.17%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 335 $86,905,000 $259,418 $8,664 5.84%
Outside of Metro Areas 386 $72,310,000 $187,332 $7,291 6.67%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 220 $66,800,000 $303,636 $9,447 6.84%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 195 $55,925,000 $286,795 $8,500 7.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 177 $45,105,000 $254,831 $10,550 5.74%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 204 $44,380,000 $217,549 $4,772 6.49%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 123 $40,125,000 $326,220 $9,858 7.01%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 146 $37,000,000 $253,425 $5,343 6.93%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 68 $28,390,000 $417,500 $9,722 7.19%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 87 $26,725,000 $307,184 $9,181 6.43%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 80 $25,100,000 $313,750 $9,990 6.89%
LOUISVILLE, KY (FHA|USDA|VA) 109 $24,635,000 $226,009 $6,300 6.71%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 98 $23,500,000 $239,796 $7,630 6.14%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 74 $23,290,000 $314,730 $8,067 6.80%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 95 $22,645,000 $238,368 $11,025 6.58%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 67 $22,165,000 $330,821 $10,992 6.59%
WINSTON-SALEM, NC (FHA|USDA|VA) 92 $21,760,000 $236,522 $7,815 6.24%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 88 $21,390,000 $243,068 $9,891 7.10%
SALISBURY, MD-DE (FHA|USDA|VA) 63 $20,875,000 $331,349 $10,308 6.83%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 53 $19,525,000 $368,396 $13,746 6.91%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 69 $18,785,000 $272,246 $7,845 6.74%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 70 $18,040,000 $257,714 $9,319 6.69%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 60 $17,840,000 $297,333 $10,992 6.74%
RALEIGH-CARY, NC (FHA|USDA|VA) 53 $16,505,000 $311,415 $7,979 6.61%
PROVO-OREM, UT (FHA|USDA|VA) 39 $16,245,000 $416,538 $10,384 6.59%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 66 $15,910,000 $241,061 $7,217 6.04%
YAKIMA, WA (FHA|USDA|VA) 48 $14,630,000 $304,792 $9,962 5.89%
SPARTANBURG, SC (FHA|USDA|VA) 56 $14,500,000 $258,929 $7,879 7.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 53 $14,275,000 $269,340 $8,136 7.33%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 45 $14,235,000 $316,333 $8,441 7.04%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 45 $12,985,000 $288,556 $9,629 6.57%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 47 $12,385,000 $263,511 $11,012 6.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 54 $12,310,000 $227,963 $7,713 6.92%
WILMINGTON, NC (FHA|USDA|VA) 34 $12,080,000 $355,294 $8,769 6.69%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 51 $11,735,000 $230,098 $7,637 7.08%
KNOXVILLE, TN (FHA|USDA|VA) 38 $11,620,000 $305,789 $9,609 7.19%
JACKSONVILLE, FL (FHA|USDA|VA) 36 $11,180,000 $310,556 $10,538 6.47%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 43 $10,965,000 $255,000 $9,269 7.06%
RICHMOND, VA (FHA|USDA|VA) 41 $10,945,000 $266,951 $9,047 7.70%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 31 $10,825,000 $349,194 $10,823 6.52%
ALEXANDRIA, LA (FHA|USDA|VA) 44 $10,400,000 $236,364 $9,948 6.91%
WICHITA, KS (FHA|USDA|VA) 48 $10,200,000 $212,500 $6,013 6.62%
PORT ST. LUCIE, FL (FHA|USDA|VA) 36 $10,040,000 $278,889 $11,959 6.19%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 30 $9,750,000 $325,000 $10,558 6.92%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 28 $9,740,000 $347,857 $12,568 7.31%
PUNTA GORDA, FL (FHA|USDA|VA) 42 $9,580,000 $228,095 $9,352 6.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 46 $9,130,000 $198,478 $7,210 7.10%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 24 $8,410,000 $350,417 $12,381 8.15%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 22 $8,110,000 $368,636 $7,610 7.64%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 24 $7,970,000 $332,083 $10,761 6.27%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 29 $7,935,000 $273,621 $9,774 5.52%
Somerset, KY (FHA|USDA|VA) 42 $7,730,000 $184,048 $8,688 6.40%
Richmond-Berea, KY (FHA|USDA|VA) 33 $7,565,000 $229,242 $7,235 6.60%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 38 $7,510,000 $197,632 $7,941 7.11%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 17 $7,415,000 $436,176 $16,584 7.94%
Clewiston, FL (FHA|USDA|VA) 31 $7,325,000 $236,290 $10,810 5.80%
FAYETTEVILLE, NC (FHA|USDA|VA) 20 $7,210,000 $360,500 $8,962 6.72%
Danville, KY (FHA|USDA|VA) 39 $7,075,000 $181,410 $7,949 6.52%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 37 $6,965,000 $188,243 $5,877 7.29%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 12 $6,930,000 $577,500 $16,203 7.22%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 19 $6,875,000 $361,842 $11,065 6.62%
TUSCALOOSA, AL (FHA|USDA|VA) 40 $6,780,000 $169,500 $7,094 6.77%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 23 $6,545,000 $284,565 $11,401 8.09%
BOWLING GREEN, KY (FHA|USDA|VA) 26 $6,130,000 $235,769 $7,219 6.48%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 17 $6,015,000 $353,824 $11,501 7.35%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 21 $6,015,000 $286,429 $6,818 7.21%
PITTSBURGH, PA (FHA|USDA|VA) 27 $5,775,000 $213,889 $7,293 7.18%
COLORADO SPRINGS, CO (FHA|USDA|VA) 16 $5,630,000 $351,875 $11,032 7.35%
DOVER, DE (FHA|USDA|VA) 18 $5,470,000 $303,889 $10,586 6.67%
BURLINGTON, NC (FHA|USDA|VA) 18 $5,370,000 $298,333 $11,098 6.39%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 13 $5,305,000 $408,077 $11,674 7.19%
GREELEY, CO (FHA|USDA|VA) 14 $5,130,000 $366,429 $10,587 7.12%
ST. GEORGE, UT (FHA|USDA|VA) 16 $5,090,000 $318,125 $9,400 6.78%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 13 $5,075,000 $390,385 $9,694 7.73%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 23 $5,075,000 $220,652 $8,719 6.76%
COLUMBIA, SC (FHA|USDA|VA) 18 $4,990,000 $277,222 $8,570 7.26%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 8 $4,720,000 $590,000 $12,640 6.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 12 $4,680,000 $390,000 $12,815 7.59%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 25 $4,665,000 $186,600 $3,815 6.60%
OWENSBORO, KY (FHA|USDA|VA) 31 $4,575,000 $147,581 $5,828 6.77%
Clinton, IA (FHA|USDA|VA) 31 $4,555,000 $146,935 $5,667 6.99%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 8 $4,470,000 $558,750 $24,586 7.03%
APPLETON, WI (FHA|USDA|VA) 19 $4,385,000 $230,789 $5,671 6.82%
JACKSONVILLE, NC (FHA|USDA|VA) 16 $4,100,000 $256,250 $6,974 6.77%
AMES, IA (FHA|USDA|VA) 20 $4,020,000 $201,000 $5,288 7.02%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 20 $3,990,000 $199,500 $6,212 7.83%
DAYTON-KETTERING, OH (FHA|USDA|VA) 20 $3,970,000 $198,500 $6,508 7.39%
SPRINGFIELD, MO (FHA|USDA|VA) 20 $3,900,000 $195,000 $5,675 7.84%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 15 $3,835,000 $255,667 $10,386 6.75%
BATON ROUGE, LA (FHA|USDA|VA) 19 $3,725,000 $196,053 $6,911 7.01%
Frankfort, KY (FHA|USDA|VA) 16 $3,640,000 $227,500 $7,648 7.02%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 14 $3,610,000 $257,857 $8,229 6.62%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 13 $3,595,000 $276,538 $9,414 6.93%
STATE COLLEGE, PA (FHA|USDA|VA) 17 $3,595,000 $211,471 $10,390 6.81%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 13 $3,585,000 $275,769 $9,005 7.10%
ST. LOUIS, MO-IL (FHA|USDA|VA) 14 $3,570,000 $255,000 $8,634 8.02%
GREEN BAY, WI (FHA|USDA|VA) 17 $3,555,000 $209,118 $5,667 6.92%
OKLAHOMA CITY, OK (FHA|USDA|VA) 17 $3,475,000 $204,412 $9,571 7.24%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 13 $3,265,000 $251,154 $8,614 6.86%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 14 $3,210,000 $229,286 $6,941 7.86%
Muscatine, IA (FHA|USDA|VA) 10 $2,900,000 $290,000 $9,264 6.80%
Tullahoma-Manchester, TN (FHA|USDA|VA) 10 $2,840,000 $284,000 $7,022 6.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $2,835,000 $405,000 $12,793 8.55%
Lawrenceburg, TN (FHA|USDA|VA) 9 $2,825,000 $313,889 $11,991 5.67%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 12 $2,820,000 $235,000 $11,676 7.26%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 6 $2,810,000 $468,333 $15,764 6.58%
HUNTSVILLE, AL (FHA|USDA|VA) 8 $2,770,000 $346,250 $15,331 7.61%
GAINESVILLE, GA (FHA|USDA|VA) 9 $2,725,000 $302,778 $10,103 7.33%
AKRON, OH (FHA|USDA|VA) 16 $2,700,000 $168,750 $6,640 7.58%
TOLEDO, OH (FHA|USDA|VA) 20 $2,700,000 $135,000 $5,761 7.24%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 12 $2,670,000 $222,500 $8,354 6.70%
SALT LAKE CITY, UT (FHA|USDA|VA) 9 $2,645,000 $293,889 $7,413 7.12%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 13 $2,595,000 $199,615 $6,650 7.15%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 9 $2,595,000 $288,333 $7,236 7.72%
Key West, FL (FHA|USDA|VA) 4 $2,590,000 $647,500 $14,743 7.06%
Whitewater, WI (FHA|USDA|VA) 9 $2,545,000 $282,778 $4,496 7.30%
KANSAS CITY, MO-KS (FHA|USDA|VA) 12 $2,510,000 $209,167 $7,767 6.94%
OCALA, FL (FHA|USDA|VA) 13 $2,435,000 $187,308 $8,033 6.35%
WINCHESTER, VA-WV (FHA|USDA|VA) 8 $2,390,000 $298,750 $6,830 6.83%
LAFAYETTE, LA (FHA|USDA|VA) 12 $2,290,000 $190,833 $8,036 7.03%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 13 $2,255,000 $173,462 $4,519 6.93%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 7 $2,255,000 $322,143 $10,460 5.70%
ROCKY MOUNT, NC (FHA|USDA|VA) 11 $2,225,000 $202,273 $7,923 5.65%
JACKSON, MS (FHA|USDA|VA) 8 $2,170,000 $271,250 $10,527 7.19%
EAST STROUDSBURG, PA (FHA|USDA|VA) 8 $2,130,000 $266,250 $13,535 6.86%
Jefferson, GA (FHA|USDA|VA) 7 $2,055,000 $293,571 $6,725 6.66%
SAVANNAH, GA (FHA|USDA|VA) 7 $2,035,000 $290,714 $12,307 8.12%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 8 $1,980,000 $247,500 $8,324 6.80%
IOWA CITY, IA (FHA|USDA|VA) 7 $1,975,000 $282,143 $3,925 7.21%
Bardstown, KY (FHA|USDA|VA) 11 $1,955,000 $177,727 $7,058 7.24%
Sanford, NC (FHA|USDA|VA) 6 $1,920,000 $320,000 $9,132 7.31%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 8 $1,910,000 $238,750 $9,074 7.19%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 7 $1,905,000 $272,143 $8,983 6.75%
Sevierville, TN (FHA|USDA|VA) 3 $1,905,000 $635,000 $16,609 7.12%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $1,860,000 $232,500 $11,388 6.91%
MONROE, LA (FHA|USDA|VA) 9 $1,845,000 $205,000 $7,631 6.95%
PUEBLO, CO (FHA|USDA|VA) 8 $1,840,000 $230,000 $9,689 7.42%
ROANOKE, VA (FHA|USDA|VA) 7 $1,825,000 $260,714 $10,888 8.09%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 6 $1,750,000 $291,667 $10,765 7.04%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $1,720,000 $286,667 $9,726 5.44%
London, KY (FHA|USDA|VA) 12 $1,600,000 $133,333 $6,999 5.73%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 5 $1,565,000 $313,000 $7,793 7.95%
CORPUS CHRISTI, TX (FHA|USDA|VA) 5 $1,495,000 $299,000 $11,631 7.13%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $1,450,000 $241,667 $12,288 10.04%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 6 $1,420,000 $236,667 $10,396 6.39%
WORCESTER, MA-CT (FHA|USDA|VA) 6 $1,360,000 $226,667 $6,989 7.71%
Glasgow, KY (FHA|USDA|VA) 6 $1,330,000 $221,667 $4,765 6.73%
Forest City, NC (FHA|USDA|VA) 5 $1,325,000 $265,000 $7,223 5.95%
LANCASTER, PA (FHA|USDA|VA) 4 $1,320,000 $330,000 $9,954 7.03%
LYNCHBURG, VA (FHA|USDA|VA) 5 $1,315,000 $263,000 $7,700 7.10%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,315,000 $263,000 $17,875 8.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,305,000 $261,000 $11,248 9.45%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,295,000 $259,000 $15,483 8.05%
BILLINGS, MT (FHA|USDA|VA) 3 $1,285,000 $428,333 $11,168 7.04%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 5 $1,265,000 $253,000 $8,983 6.75%
GOLDSBORO, NC (FHA|USDA|VA) 6 $1,240,000 $206,667 $7,585 5.31%
Urbana, OH (FHA|USDA|VA) 5 $1,225,000 $245,000 $10,957 7.95%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 6 $1,220,000 $203,333 $3,518 6.42%
Crossville, TN (FHA|USDA|VA) 3 $1,205,000 $401,667 $12,221 7.12%
Bellefontaine, OH (FHA|USDA|VA) 6 $1,180,000 $196,667 $8,824 7.15%
LAS CRUCES, NM (FHA|USDA|VA) 8 $1,180,000 $147,500 $4,129 6.95%
ROCKFORD, IL (FHA|USDA|VA) 9 $1,175,000 $130,556 $5,962 6.01%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $1,160,000 $290,000 $16,149 7.94%
MANSFIELD, OH (FHA|USDA|VA) 6 $1,160,000 $193,333 $8,163 7.52%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,155,000 $231,000 $7,036 7.25%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,140,000 $570,000 $16,063 7.13%
WACO, TX (FHA|USDA|VA) 5 $1,135,000 $227,000 $10,265 6.92%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $1,130,000 $282,500 $7,319 7.06%
TUCSON, AZ (FHA|USDA|VA) 5 $1,115,000 $223,000 $7,480 7.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 4 $1,090,000 $272,500 $4,239 7.12%
SPRINGFIELD, OH (FHA|USDA|VA) 5 $1,075,000 $215,000 $10,986 6.97%
Shelby, NC (FHA|USDA|VA) 5 $1,055,000 $211,000 $5,516 7.68%
Sterling, IL (FHA|USDA|VA) 9 $1,055,000 $117,222 $4,222 6.14%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,025,000 $341,667 $7,839 9.21%
Mount Airy, NC (FHA|USDA|VA) 5 $1,025,000 $205,000 $7,906 6.70%
Chillicothe, OH (FHA|USDA|VA) 4 $1,020,000 $255,000 $8,532 7.56%
BRUNSWICK, GA (FHA|USDA|VA) 3 $1,015,000 $338,333 $12,348 7.71%
Mount Sterling, KY (FHA|USDA|VA) 8 $1,000,000 $125,000 $6,549 5.84%
THE VILLAGES, FL (FHA|USDA|VA) 3 $995,000 $331,667 $8,916 7.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 6 $980,000 $163,333 $8,462 6.79%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $980,000 $245,000 $9,575 8.22%
STOCKTON, CA (FHA|USDA|VA) 2 $980,000 $490,000 $13,483 5.63%
Marion, NC (FHA|USDA|VA) 3 $975,000 $325,000 $6,652 7.00%
VALDOSTA, GA (FHA|USDA|VA) 5 $975,000 $195,000 $6,348 6.55%
JOPLIN, MO (FHA|USDA|VA) 5 $975,000 $195,000 $7,098 6.83%
RACINE, WI (FHA|USDA|VA) 5 $955,000 $191,000 $5,579 6.93%
CEDAR RAPIDS, IA (FHA|USDA|VA) 5 $955,000 $191,000 $8,947 8.38%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $925,000 $925,000 $0 8.28%
Columbus, NE (FHA|USDA|VA) 5 $915,000 $183,000 $5,365 7.13%
MADISON, WI (FHA|USDA|VA) 4 $890,000 $222,500 $9,632 6.75%
Albemarle, NC (FHA|USDA|VA) 3 $885,000 $295,000 $9,047 6.88%
Campbellsville, KY (FHA|USDA|VA) 4 $870,000 $217,500 $5,937 6.44%
MORRISTOWN, TN (FHA|USDA|VA) 3 $865,000 $288,333 $10,850 6.54%
Madisonville, KY (FHA|USDA|VA) 6 $860,000 $143,333 $5,531 6.37%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $855,000 $285,000 $7,668 6.79%
LIMA, OH (FHA|USDA|VA) 4 $840,000 $210,000 $6,733 7.34%
Concord, NH (FHA|USDA|VA) 2 $840,000 $420,000 $6,731 6.81%
Marion, OH (FHA|USDA|VA) 3 $835,000 $278,333 $7,547 7.79%
ERIE, PA (FHA|USDA|VA) 5 $805,000 $161,000 $11,801 6.78%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $795,000 $265,000 $6,700 7.50%
Elizabeth City, NC (FHA|USDA|VA) 3 $795,000 $265,000 $11,940 6.12%
Shelbyville, TN (FHA|USDA|VA) 3 $785,000 $261,667 $9,368 6.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $755,000 $251,667 $11,417 6.96%
Fort Polk South, LA (FHA|USDA|VA) 5 $755,000 $151,000 $8,138 6.90%
NEW BERN, NC (FHA|USDA|VA) 4 $740,000 $185,000 $4,549 6.50%
Lewisburg, TN (FHA|USDA|VA) 4 $740,000 $185,000 $5,860 7.06%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 6 $730,000 $121,667 $5,559 7.21%
Heber, UT (FHA|USDA|VA) 1 $725,000 $725,000 $23,511 6.50%
Lumberton, NC (FHA|USDA|VA) 2 $720,000 $360,000 $16,081 6.75%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $720,000 $360,000 $9,812 6.49%
LaGrange, GA-AL (FHA|USDA|VA) 4 $720,000 $180,000 $6,440 6.97%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $720,000 $180,000 $8,601 6.63%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $720,000 $360,000 $18,334 6.12%
Paducah, KY-IL (FHA|USDA|VA) 2 $710,000 $355,000 $7,173 7.63%
Outside of Metro Areas 2 $700,000 $350,000 $17,099 6.75%
PANAMA CITY, FL (FHA|USDA|VA) 3 $695,000 $231,667 $16,486 9.37%
Pottsville, PA (FHA|USDA|VA) 4 $670,000 $167,500 $7,053 7.06%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $670,000 $335,000 $15,570 6.37%
MONTGOMERY, AL (FHA|USDA|VA) 4 $670,000 $167,500 $8,251 6.47%
Wilson, NC (FHA|USDA|VA) 2 $670,000 $335,000 $16,357 6.94%
MOBILE, AL (FHA|USDA|VA) 3 $655,000 $218,333 $6,093 6.83%
CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $645,000 $129,000 $4,467 8.00%
MODESTO, CA (FHA|USDA|VA) 2 $640,000 $320,000 $4,349 7.56%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $635,000 $635,000 $13,744 6.75%
BISMARCK, ND (FHA|USDA|VA) 1 $615,000 $615,000 $24,360 7.50%
Calhoun, GA (FHA|USDA|VA) 2 $610,000 $305,000 $9,339 7.56%
Cookeville, TN (FHA|USDA|VA) 2 $610,000 $305,000 $16,083 6.69%
WALLA WALLA, WA (FHA|USDA|VA) 2 $610,000 $305,000 $9,191 6.06%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $605,000 $201,667 $7,500 7.08%
NILES, MI (FHA|USDA|VA) 2 $600,000 $300,000 $3,189 7.31%
BLOOMINGTON, IL (FHA|USDA|VA) 4 $600,000 $150,000 $4,303 6.91%
LUBBOCK, TX (FHA|USDA|VA) 3 $595,000 $198,333 $9,123 6.83%
PEORIA, IL (FHA|USDA|VA) 5 $595,000 $119,000 $4,730 6.83%
Wooster, OH (FHA|USDA|VA) 3 $595,000 $198,333 $7,104 7.25%
Cañon City, CO (FHA|USDA|VA) 2 $590,000 $295,000 $7,387 7.31%
FOND DU LAC, WI (FHA|USDA|VA) 3 $575,000 $191,667 $2,920 7.13%
Marinette, WI-MI (FHA|USDA|VA) 3 $575,000 $191,667 $8,060 7.04%
READING, PA (FHA|USDA|VA) 3 $565,000 $188,333 $9,052 6.71%
St. Marys, GA (FHA|USDA|VA) 2 $550,000 $275,000 $7,293 7.19%
Edwards, CO (FHA|USDA|VA) 1 $545,000 $545,000 $10,968 6.99%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $545,000 $181,667 $8,735 7.13%
LAWRENCE, KS (FHA|USDA|VA) 2 $540,000 $270,000 $7,606 10.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $535,000 $178,333 $13,826 7.33%
Marietta, OH (FHA|USDA|VA) 3 $525,000 $175,000 $11,825 6.79%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $515,000 $171,667 $5,787 6.88%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $505,000 $168,333 $6,041 6.96%
EL PASO, TX (FHA|USDA|VA) 2 $500,000 $250,000 $8,488 6.56%
MONROE, MI (FHA|USDA|VA) 3 $495,000 $165,000 $5,869 6.96%
Sandusky, OH (FHA|USDA|VA) 3 $495,000 $165,000 $7,676 8.92%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $490,000 $245,000 $11,622 7.13%
Defiance, OH (FHA|USDA|VA) 1 $485,000 $485,000 $10,401 5.25%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $485,000 $485,000 $5,745 6.99%
McMinnville, TN (FHA|USDA|VA) 2 $480,000 $240,000 $3,390 6.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $470,000 $235,000 $6,235 8.19%
Athens, TN (FHA|USDA|VA) 2 $470,000 $235,000 $9,739 7.06%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $470,000 $235,000 $8,801 7.06%
KANKAKEE, IL (FHA|USDA|VA) 2 $470,000 $235,000 $9,015 7.06%
Norwalk, OH (FHA|USDA|VA) 3 $465,000 $155,000 $7,860 7.17%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $465,000 $465,000 $6,770 6.88%
Marshalltown, IA (FHA|USDA|VA) 3 $465,000 $155,000 $6,092 6.88%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $455,000 $151,667 $11,875 9.29%
Moses Lake, WA (FHA|USDA|VA) 1 $455,000 $455,000 $25,150 5.88%
Paris, TN (FHA|USDA|VA) 2 $450,000 $225,000 $4,820 6.44%
BOULDER, CO (FHA|USDA|VA) 2 $450,000 $225,000 $3,829 7.37%
HAMMOND, LA (FHA|USDA|VA) 2 $450,000 $225,000 $9,874 6.94%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $445,000 $445,000 $14,124 6.25%
Washington Court House, OH (FHA|USDA|VA) 2 $440,000 $220,000 $10,609 7.75%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $440,000 $220,000 $8,624 6.69%
GRANTS PASS, OR (FHA|USDA|VA) 2 $440,000 $220,000 $9,083 6.56%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $430,000 $215,000 $7,895 6.13%
Galesburg, IL (FHA|USDA|VA) 6 $420,000 $70,000 $4,478 4.15%
Danville, VA (FHA|USDA|VA) 2 $420,000 $210,000 $10,531 7.00%
Cedartown, GA (FHA|USDA|VA) 2 $410,000 $205,000 $9,810 6.19%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 4 $410,000 $102,500 $3,305 6.69%
Cambridge, MD (FHA|USDA|VA) 2 $410,000 $205,000 $9,220 6.93%
ROCHESTER, MN (FHA|USDA|VA) 2 $410,000 $205,000 $7,702 7.06%
Malvern, AR (FHA|USDA|VA) 3 $405,000 $135,000 $5,694 7.08%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $405,000 $405,000 $10,489 7.13%
Boone, NC (FHA|USDA|VA) 1 $395,000 $395,000 $18,175 7.63%
Pella, IA (FHA|USDA|VA) 2 $390,000 $195,000 $6,851 6.56%
Ontario, OR-ID (FHA|USDA|VA) 1 $385,000 $385,000 $27,604 6.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $385,000 $385,000 $16,009 7.25%
Dayton, TN (FHA|USDA|VA) 1 $385,000 $385,000 $7,811 7.25%
New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $380,000 $190,000 $5,703 6.12%
JACKSON, TN (FHA|USDA|VA) 2 $380,000 $190,000 $7,177 6.94%
Berlin, NH (FHA|USDA|VA) 2 $380,000 $190,000 $4,405 6.94%
Sedalia, MO (FHA|USDA|VA) 2 $380,000 $190,000 $7,776 7.31%
Morehead City, NC (FHA|USDA|VA) 3 $375,000 $125,000 $2,461 4.58%
LINCOLN, NE (FHA|USDA|VA) 3 $375,000 $125,000 $4,145 7.21%
Starkville, MS (FHA|USDA|VA) 1 $375,000 $375,000 $10,966 7.25%
Selma, AL (FHA|USDA|VA) 2 $370,000 $185,000 $9,404 6.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $4,950 6.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $10,015 5.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $365,000 $365,000 $30,971 7.25%
FORT WAYNE, IN (FHA|USDA|VA) 2 $360,000 $180,000 $2,854 6.81%
Okeechobee, FL (FHA|USDA|VA) 2 $360,000 $180,000 $6,787 3.38%
DANVILLE, IL (FHA|USDA|VA) 3 $355,000 $118,333 $3,732 5.12%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $355,000 $118,333 $6,885 6.58%
Greenwood, SC (FHA|USDA|VA) 1 $345,000 $345,000 $15,493 5.50%
GAINESVILLE, FL (FHA|USDA|VA) 3 $345,000 $115,000 $5,282 9.16%
Jasper, AL (FHA|USDA|VA) 1 $345,000 $345,000 $11,088 7.25%
SAGINAW, MI (FHA|USDA|VA) 3 $345,000 $115,000 $4,017 6.67%
Huntingdon, PA (FHA|USDA|VA) 2 $340,000 $170,000 $6,188 6.50%
Manitowoc, WI (FHA|USDA|VA) 2 $340,000 $170,000 $5,770 6.44%
Cedar City, UT (FHA|USDA|VA) 1 $335,000 $335,000 $14,538 6.75%
Van Wert, OH (FHA|USDA|VA) 2 $330,000 $165,000 $6,149 7.13%
Freeport, IL (FHA|USDA|VA) 2 $330,000 $165,000 $6,779 7.37%
Gainesville, TX (FHA|USDA|VA) 1 $325,000 $325,000 $3,556 7.63%
Sonora, CA (FHA|USDA|VA) 1 $325,000 $325,000 $19,297 6.99%
CHICO, CA (FHA|USDA|VA) 2 $320,000 $160,000 $15,452 8.75%
PITTSFIELD, MA (FHA|USDA|VA) 2 $320,000 $160,000 $5,064 9.56%
Quincy, IL-MO (FHA|USDA|VA) 1 $315,000 $315,000 $6,710 7.75%
Cornelia, GA (FHA|USDA|VA) 1 $315,000 $315,000 $13,177 6.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $310,000 $155,000 $5,020 7.19%
Bucyrus-Galion, OH (FHA|USDA|VA) 2 $310,000 $155,000 $9,563 6.69%
Oskaloosa, IA (FHA|USDA|VA) 3 $305,000 $101,667 $2,614 7.96%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $300,000 $150,000 $11,067 9.44%
MIDLAND, TX (FHA|USDA|VA) 1 $295,000 $295,000 $15,539 7.63%
Brainerd, MN (FHA|USDA|VA) 1 $295,000 $295,000 $15,280 7.00%
Martinsville, VA (FHA|USDA|VA) 1 $295,000 $295,000 $9,460 6.75%
HATTIESBURG, MS (FHA|USDA|VA) 2 $290,000 $145,000 $8,625 10.31%
Portsmouth, OH (FHA|USDA|VA) 2 $290,000 $145,000 $6,953 8.19%
Laurinburg, NC (FHA|USDA|VA) 1 $285,000 $285,000 $15,302 5.63%
Ruston, LA (FHA|USDA|VA) 2 $280,000 $140,000 $4,676 9.06%
WENATCHEE, WA (FHA|USDA|VA) 1 $275,000 $275,000 $12,278 5.99%
TYLER, TX (FHA|USDA|VA) 1 $275,000 $275,000 $0 7.63%
Scottsburg, IN (FHA|USDA|VA) 2 $270,000 $135,000 $3,979 6.75%
Fremont, NE (FHA|USDA|VA) 2 $270,000 $135,000 $4,364 6.81%
Waycross, GA (FHA|USDA|VA) 1 $265,000 $265,000 $7,156 7.25%
ALBANY, GA (FHA|USDA|VA) 1 $265,000 $265,000 $11,361 6.75%
Alexander City, AL (FHA|USDA|VA) 2 $260,000 $130,000 $4,794 6.75%
Fremont, OH (FHA|USDA|VA) 2 $260,000 $130,000 $5,620 7.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $260,000 $130,000 $6,004 7.00%
DALTON, GA (FHA|USDA|VA) 1 $255,000 $255,000 $7,537 6.00%
Celina, OH (FHA|USDA|VA) 2 $250,000 $125,000 $5,702 10.31%
VISALIA, CA (FHA|USDA|VA) 2 $250,000 $125,000 $4,517 9.19%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $245,000 $245,000 $13,844 7.13%
Fort Morgan, CO (FHA|USDA|VA) 1 $245,000 $245,000 $11,631 6.75%
Corsicana, TX (FHA|USDA|VA) 1 $245,000 $245,000 $6,635 4.99%
HINESVILLE, GA (FHA|USDA|VA) 1 $245,000 $245,000 $7,699 5.75%
Coos Bay, OR (FHA|USDA|VA) 1 $245,000 $245,000 $15,052 7.25%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $240,000 $120,000 $7,159 6.75%
North Wilkesboro, NC (FHA|USDA|VA) 2 $240,000 $120,000 $1,727 9.69%
Mitchell, SD (FHA|USDA|VA) 2 $240,000 $120,000 $5,517 3.94%
Richmond, IN (FHA|USDA|VA) 2 $240,000 $120,000 $6,595 3.56%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $240,000 $120,000 $5,962 3.69%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $235,000 $235,000 $7,361 6.13%
Milledgeville, GA (FHA|USDA|VA) 1 $225,000 $225,000 $10,793 7.63%
Ozark, AL (FHA|USDA|VA) 1 $225,000 $225,000 $10,880 8.25%
Jasper, IN (FHA|USDA|VA) 1 $225,000 $225,000 $11,140 7.75%
Madison, IN (FHA|USDA|VA) 1 $225,000 $225,000 $11,359 6.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $225,000 $225,000 $19,682 6.99%
Russellville, AR (FHA|USDA|VA) 2 $220,000 $110,000 $2,046 6.94%
Holland, MI (FHA|USDA|VA) 1 $215,000 $215,000 $9,926 7.25%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $215,000 $215,000 $6,820 7.50%
Palatka, FL (FHA|USDA|VA) 1 $215,000 $215,000 $10,777 7.25%
Tiffin, OH (FHA|USDA|VA) 2 $210,000 $105,000 $5,004 9.56%
BOISE CITY, ID (FHA|USDA|VA) 1 $205,000 $205,000 $5,402 7.00%
Kirksville, MO (FHA|USDA|VA) 1 $205,000 $205,000 $3,279 6.99%
Altus, OK (FHA|USDA|VA) 2 $200,000 $100,000 $6,450 7.06%
JACKSON, MI (FHA|USDA|VA) 1 $195,000 $195,000 $9,767 7.63%
Gaffney, SC (FHA|USDA|VA) 1 $195,000 $195,000 $7,423 7.25%
SUMTER, SC (FHA|USDA|VA) 1 $195,000 $195,000 $8,140 6.75%
Marquette, MI (FHA|USDA|VA) 1 $195,000 $195,000 $2,648 6.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $195,000 $195,000 $5,235 6.63%
Silver City, NM (FHA|USDA|VA) 1 $195,000 $195,000 $7,243 7.38%
Searcy, AR (FHA|USDA|VA) 1 $195,000 $195,000 $4,119 6.38%
WHEELING, WV-OH (FHA|USDA|VA) 2 $190,000 $95,000 $5,819 6.75%
Wapakoneta, OH (FHA|USDA|VA) 2 $190,000 $95,000 $6,738 8.75%
Somerset, PA (FHA|USDA|VA) 2 $190,000 $95,000 $4,954 7.19%
Rochelle, IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,419 6.99%
Moultrie, GA (FHA|USDA|VA) 1 $185,000 $185,000 $7,428 7.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $175,000 $175,000 $7,606 5.75%
Durant, OK (FHA|USDA|VA) 1 $175,000 $175,000 $9,967 5.13%
Tupelo, MS (FHA|USDA|VA) 1 $175,000 $175,000 $10,879 7.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $175,000 $175,000 $0 12.50%
Williston, ND (FHA|USDA|VA) 1 $175,000 $175,000 $9,876 7.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $175,000 $175,000 $11,533 7.25%
Lock Haven, PA (FHA|USDA|VA) 1 $175,000 $175,000 $12,063 7.75%
Shawano, WI (FHA|USDA|VA) 1 $175,000 $175,000 $2,429 5.99%
Española, NM (FHA|USDA|VA) 1 $175,000 $175,000 $13,093 6.63%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $175,000 $175,000 $8,611 7.75%
New Castle, IN (FHA|USDA|VA) 2 $170,000 $85,000 $4,645 7.75%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $4,368 7.38%
Pontiac, IL (FHA|USDA|VA) 1 $165,000 $165,000 $3,224 6.50%
Seneca, SC (FHA|USDA|VA) 1 $165,000 $165,000 $4,643 6.50%
Sayre, PA (FHA|USDA|VA) 1 $165,000 $165,000 $9,845 6.63%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $165,000 $165,000 $2,348 6.13%
MERCED, CA (FHA|USDA|VA) 1 $165,000 $165,000 $0 13.50%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,837 6.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $165,000 $165,000 $13,645 7.75%
Frankfort, IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,589 6.50%
Zapata, TX (FHA|USDA|VA) 1 $155,000 $155,000 $9,483 7.25%
Henderson, NC (FHA|USDA|VA) 1 $155,000 $155,000 $4,264 6.38%
Orangeburg, SC (FHA|USDA|VA) 1 $155,000 $155,000 $9,398 6.88%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $155,000 $155,000 $4,527 6.88%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $155,000 $155,000 $6,649 7.50%
Sidney, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,862 7.50%
EL CENTRO, CA (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.75%
MANHATTAN, KS (FHA|USDA|VA) 1 $145,000 $145,000 $2,754 6.13%
Jackson, OH (FHA|USDA|VA) 1 $145,000 $145,000 $4,939 7.99%
Stevens Point, WI (FHA|USDA|VA) 1 $145,000 $145,000 $0 12.00%
FORT COLLINS, CO (FHA|USDA|VA) 1 $145,000 $145,000 $5,057 6.50%
Deming, NM (FHA|USDA|VA) 1 $145,000 $145,000 $3,638 7.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $6,239 7.38%
Zanesville, OH (FHA|USDA|VA) 1 $145,000 $145,000 $9,102 7.13%
Fort Dodge, IA (FHA|USDA|VA) 1 $135,000 $135,000 $3,142 7.63%
Show Low, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $6,826 7.13%
Mount Pleasant, MI (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.75%
Ottawa, IL (FHA|USDA|VA) 1 $135,000 $135,000 $6,558 6.63%
Jacksonville, TX (FHA|USDA|VA) 1 $135,000 $135,000 $11,792 7.63%
Bainbridge, GA (FHA|USDA|VA) 1 $135,000 $135,000 $6,814 6.63%
YUBA CITY, CA (FHA|USDA|VA) 1 $135,000 $135,000 $4,666 7.38%
Rio Grande City-Roma, TX (FHA|USDA|VA) 1 $125,000 $125,000 $7,449 6.00%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $125,000 $125,000 $3,745 6.75%
Thomasville, GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,741 6.25%
DECATUR, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,773 6.63%
Washington, NC (FHA|USDA|VA) 1 $125,000 $125,000 $4,969 6.99%
Findlay, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,273 6.13%
GREAT FALLS, MT (FHA|USDA|VA) 1 $115,000 $115,000 $3,268 6.75%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,993 6.38%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,674 7.25%
Alamogordo, NM (FHA|USDA|VA) 1 $115,000 $115,000 $7,884 7.13%
Norfolk, NE (FHA|USDA|VA) 1 $115,000 $115,000 $3,107 7.75%
Meridian, MS (FHA|USDA|VA) 1 $115,000 $115,000 $7,971 7.25%
FLORENCE, SC (FHA|USDA|VA) 2 $110,000 $55,000 $4,581 10.13%
Lebanon, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,282 7.50%
FLINT, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,444 5.63%
Dickinson, ND (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
Easton, MD (FHA|USDA|VA) 1 $105,000 $105,000 $0 13.50%
McPherson, KS (FHA|USDA|VA) 1 $105,000 $105,000 $3,002 6.75%
Vidalia, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 13.50%
BELLINGHAM, WA (FHA|USDA|VA) 1 $105,000 $105,000 $1,843 6.88%
Granbury, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,359 6.99%
Athens, TX (FHA|USDA|VA) 1 $105,000 $105,000 $5,133 7.00%
Raymondville, TX (FHA|USDA|VA) 1 $95,000 $95,000 $8,054 7.12%
Escanaba, MI (FHA|USDA|VA) 1 $95,000 $95,000 $6,233 6.25%
TULSA, OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 13.00%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $95,000 $95,000 $3,864 6.13%
Opelousas, LA (FHA|USDA|VA) 1 $95,000 $95,000 $7,233 6.38%
Lewistown, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,577 6.75%
Ada, OK (FHA|USDA|VA) 1 $95,000 $95,000 $6,199 5.63%
Big Rapids, MI (FHA|USDA|VA) 1 $95,000 $95,000 $3,149 7.99%
MUNCIE, IN (FHA|USDA|VA) 1 $95,000 $95,000 $3,800 6.25%
Pittsburg, KS (FHA|USDA|VA) 1 $85,000 $85,000 $3,080 5.88%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $85,000 $85,000 $7,219 6.75%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.13%
Platteville, WI (FHA|USDA|VA) 1 $85,000 $85,000 $3,388 6.75%
Roswell, NM (FHA|USDA|VA) 1 $75,000 $75,000 $4,604 7.50%
SAN ANGELO, TX (FHA|USDA|VA) 1 $75,000 $75,000 $5,015 6.75%
BAY CITY, MI (FHA|USDA|VA) 1 $75,000 $75,000 $2,392 6.38%
Thomaston, GA (FHA|USDA|VA) 1 $65,000 $65,000 $0 13.50%
Lake City, FL (FHA|USDA|VA) 1 $65,000 $65,000 $3,422 7.13%
Batesville, AR (FHA|USDA|VA) 1 $65,000 $65,000 $3,339 6.25%
DuBois, PA (FHA|USDA|VA) 2 $60,000 $30,000 $4,862 3.19%
SALEM, OR (FHA|USDA|VA) 1 $55,000 $55,000 $0 13.50%
JOHNSTOWN, PA (FHA|USDA|VA) 2 $50,000 $25,000 $4,187 3.38%
Homeside Financial's top markets include Dallas, Washington, Miami, Chicago, and Columbus among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,321 $1,504,375,000 $282,724 $7,274 6.54%
    FHA 2,356 $698,980,000 $296,681 $12,907 6.65%
    VA 719 $272,375,000 $378,825 $9,756 6.55%
    HELOC 230 $29,800,000 $129,565 n/a 11.88%
    USDA 117 $21,385,000 $182,778 $7,243 6.52%
    FHA 3 $705,000 $235,000 $0 7.04%
    VA 1 $385,000 $385,000 $0 6.50%

    For 2023, Homeside Financial's most frequently originated type of loan was Conventional, with 5,321 originations. Their 2nd most popular type was FHA, with 2,356 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 7,731 $2,271,385,000 $293,802 $8,952 6.53%
    Cash Out Refi 750 $181,510,000 $242,013 $11,830 8.25%
    Refi 260 $73,840,000 $284,000 $8,007 7.59%
    Other 6 $1,270,000 $211,667 $5,750 7.04%

    For 2023, Homeside Financial's most frequently cited loan purpose was Home Purchase, with 7,731 originations. The 2nd most popular reason was Cash Out Refi, with 750 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 8,264 $2,465,800,000 $298,379 $9,209 6.70%
    20 Year 204 $31,660,000 $155,196 $10,430 11.87%
    Other 96 $11,010,000 $114,688 $7,350 2.55%
    15 Year 92 $18,060,000 $196,304 $5,973 4.20%
    10 Year 58 $1,230,000 $21,207 $741 4.04%
    5 Year 32 $240,000 $7,500 $0 0.00%
    3 Year 1 $5,000 $5,000 $0 0.00%

    For 2023, Homeside Financial's most frequently cited loan duration was 30 Year, with 8,264 originations. The 2nd most popular length was 20 Year, with 204 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,730 $1,051,540,000 $385,179
    $1k-2k 1,760 $494,470,000 $280,949
    $<1k 1,075 $213,765,000 $198,851
    $2k-3k 1,043 $256,105,000 $245,547
    $3k-4k 936 $228,920,000 $244,573
    $4k-5k 788 $221,510,000 $281,104

    Homeside Financial's average total fees were $9,209, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,730 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 3,963 $1,178,875,000 $297,470
    7-8% 2,889 $856,415,000 $296,440
    5-6% 1,137 $380,215,000 $334,402
    Over 8% 385 $76,675,000 $199,156
    <2.5% 271 $3,485,000 $12,860
    4-5% 82 $31,440,000 $383,415
    3-4% 18 $390,000 $21,667
    2.5-3% 1 $495,000 $495,000

    During 2023, Homeside Financial's average interest rate for loans was 6.70%, while their most frequently originated rate bucket for loans was 6-7%, with 3,963 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,939 $1,147,325,000 $291,273 $9,388 6.87%
    $100k-200k 2,125 $326,565,000 $153,678 $5,978 7.03%
    $400k-600k 1,517 $728,165,000 $480,003 $12,937 6.62%
    $100,000 or less 771 $38,175,000 $49,514 $2,894 5.10%
    $600k-1MM 370 $257,220,000 $695,189 $14,046 6.80%
    $1MM+ 25 $30,555,000 $1,222,200 $20,958 6.69%

    2023 saw Homeside Financial place emphasis on $200k-400k loans with 3,939 originations, totaling $1,147,325,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,305 $754,235,000 $327,217 $10,361 6.77%
    $50k-75k 1,920 $379,490,000 $197,651 $7,362 6.50%
    $75k-100k 1,888 $491,920,000 $260,551 $9,072 6.59%
    $150k-250k 1,393 $558,955,000 $401,260 $10,848 7.10%
    $50k or less 759 $98,935,000 $130,349 $5,746 6.30%
    $250k+ 482 $244,470,000 $507,199 $10,945 7.22%

    Homeside Financial lent most frequently to those with incomes in the $100k-150k range, with 2,305 originations. The second most popular income band? $50k-75k, with 1,920 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,161 $311,865,000 $268,618 $7,869 6.73%
    50-60% 1,080 $359,450,000 $332,824 $12,880 6.55%
    20-30% 893 $247,195,000 $276,814 $7,416 6.78%
    49% 681 $208,375,000 $305,984 $9,469 7.08%
    44% 444 $128,460,000 $289,324 $9,023 6.86%
    48% 443 $130,235,000 $293,984 $9,755 6.68%
    43% 419 $119,505,000 $285,215 $8,745 6.78%
    45% 402 $115,340,000 $286,915 $9,318 6.69%
    42% 383 $109,915,000 $286,984 $8,795 6.65%
    40% 365 $99,645,000 $273,000 $8,604 6.76%
    46% 361 $110,935,000 $307,299 $8,928 6.68%
    41% 358 $96,910,000 $270,698 $8,392 6.53%
    47% 356 $105,610,000 $296,657 $9,623 6.43%
    39% 330 $91,490,000 $277,242 $8,569 6.67%
    38% 294 $84,930,000 $288,878 $8,596 6.79%
    37% 279 $80,515,000 $288,584 $8,785 6.74%
    <20% 250 $58,110,000 $232,440 $6,265 6.39%
    36% 224 $59,510,000 $265,670 $8,073 6.69%
    >60% 24 $10,010,000 $417,083 $10,898 6.08%

    Homeside Financial lent most frequently to those with DTI ratios of 30-36%, with 1,161 originations. The next most common DTI ratio? 50-60%, with 1,080 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,748 $1,597,570,000 $277,935 $8,684 6.65%
    Not provided 1,502 $429,730,000 $286,105 $9,379 7.12%
    Black 1,014 $333,000,000 $328,402 $10,902 6.45%
    Asian 426 $152,590,000 $358,192 $9,709 6.69%
    American Indian 48 $13,510,000 $281,458 $9,962 6.54%
    Native Hawaiian or Islander 7 $1,345,000 $192,143 $12,101 7.48%
    Other Asian 1 $155,000 $155,000 $5,495 6.25%
    Asian Indian 1 $105,000 $105,000 $0 6.25%

    Approval Rates

    Total approvals of all applications
    86.92%

    Homeside Financial has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.00%

    Homeside Financial has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 8,747 $2,528,005,000 $289,014

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    8,747 $2,528,005,000 $289,014

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 348 $52,220,000 $150,057 $5,085 8.39%
    40-60% 532 $127,650,000 $239,944 $6,529 6.86%
    60-80% 1,903 $550,955,000 $289,519 $8,500 6.94%
    80-100% 5,392 $1,726,750,000 $320,243 $9,841 6.76%
    Over 100% 135 $55,155,000 $408,556 $16,208 6.45%
    Under 20% 437 $15,275,000 $34,954 $703 3.59%