Sofi Lending Corp. Mortgage Rates, Fees & Info

SACRAMENTO, CA

LEI: 549300SXISSKGPHW5702

Tax ID: 90-0790926

5 stars - out of 5 stars, based on 99 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Sofi Lending Corp. is a small mortgage company specializing in Refi and Cash Out Refi loans. Sofi Lending Corp. has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Washington, San Francisco, New York, and Seattle among others. We have data for 530 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Sofi Lending Corp. 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. Sofi Lending Corp. 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 6.39% 1/29/23
    30 Year Conventional Refi 6.38% 1/29/23
    30 Year Cash-out Refi 6.54% 1/29/23
    15 Year Conventional Purchase 5.71% 1/29/23
    15 Year Conventional Refi 5.82% 1/29/23
    15 Year Cash-out Refi 5.82% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    9,811

    Origination Dollar Volume (All Markets)

    $2,968,785,000
    Show all (49) awards

    Relative Rate

    Sofi Lending Corp.'s average 30 year fixed mortgage rate was 3.03%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.12%.

    Relative Fees (Closing Costs)

    Sofi Lending Corp.'s average total fees/closing costs for a 30 year fixed rate mortgage were $4,018.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 345 $159,205,000 $461,464 $4,046 2.84%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 316 $126,500,000 $400,316 $3,832 2.84%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 207 $109,935,000 $531,087 $4,367 2.84%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 283 $105,875,000 $374,117 $4,679 2.73%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 238 $96,630,000 $406,008 $3,922 2.78%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 339 $94,635,000 $279,159 $4,540 2.82%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 344 $90,000,000 $261,628 $3,406 2.75%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 315 $86,715,000 $275,286 $3,610 2.85%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 209 $83,485,000 $399,450 $3,869 2.79%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 260 $79,610,000 $306,192 $3,446 2.86%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 231 $65,625,000 $284,091 $4,053 2.69%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 176 $54,680,000 $310,682 $3,404 2.82%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 190 $53,850,000 $283,421 $3,551 2.76%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 196 $53,420,000 $272,551 $4,397 2.66%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 162 $52,290,000 $322,778 $4,952 2.85%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 150 $51,360,000 $342,400 $3,374 2.80%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 173 $48,605,000 $280,954 $3,472 2.87%
    Outside of Metro Areas 183 $45,655,000 $249,481 $3,818 2.74%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 123 $43,185,000 $351,098 $3,663 2.76%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 123 $43,055,000 $350,041 $4,214 2.83%
    RALEIGH-CARY, NC (FHA|USDA|VA) 121 $37,795,000 $312,355 $3,661 2.81%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 107 $37,705,000 $352,383 $4,700 2.88%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 82 $37,400,000 $456,098 $4,247 2.89%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 126 $36,660,000 $290,952 $3,738 2.79%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 137 $35,645,000 $260,182 $4,357 2.90%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 64 $34,560,000 $540,000 $4,342 2.74%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 119 $32,845,000 $276,008 $4,363 2.72%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 97 $27,495,000 $283,454 $4,322 2.87%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 105 $24,605,000 $234,333 $3,213 2.75%
    SALT LAKE CITY, UT (FHA|USDA|VA) 70 $23,820,000 $340,286 $3,715 2.84%
    COLUMBUS, OH (FHA|USDA|VA) 96 $23,660,000 $246,458 $3,445 2.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 104 $22,680,000 $218,077 $3,126 2.72%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 76 $22,650,000 $298,026 $3,706 2.82%
    JACKSONVILLE, FL (FHA|USDA|VA) 75 $20,915,000 $278,867 $4,374 2.93%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 73 $19,665,000 $269,384 $3,846 2.70%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 83 $19,525,000 $235,241 $3,177 2.81%
    RICHMOND, VA (FHA|USDA|VA) 67 $19,035,000 $284,104 $3,211 2.75%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 53 $18,945,000 $357,453 $3,963 2.90%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 66 $18,690,000 $283,182 $3,464 2.80%
    PITTSBURGH, PA (FHA|USDA|VA) 84 $18,430,000 $219,405 $4,596 2.86%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 36 $16,670,000 $463,056 $4,732 2.84%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 64 $15,370,000 $240,156 $4,367 2.79%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 71 $15,345,000 $216,127 $3,678 2.86%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 59 $14,665,000 $248,559 $3,053 2.83%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 49 $14,245,000 $290,714 $3,615 2.78%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 45 $12,765,000 $283,667 $3,844 2.74%
    WORCESTER, MA-CT (FHA|USDA|VA) 42 $12,290,000 $292,619 $3,585 2.85%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 37 $11,715,000 $316,622 $3,588 2.89%
    STOCKTON, CA (FHA|USDA|VA) 31 $11,635,000 $375,323 $3,725 2.79%
    BOISE CITY, ID (FHA|USDA|VA) 37 $11,575,000 $312,838 $4,550 2.72%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 46 $11,400,000 $247,826 $3,315 2.70%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 44 $10,960,000 $249,091 $4,268 2.78%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 46 $10,690,000 $232,391 $3,559 2.76%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 33 $10,025,000 $303,788 $3,020 2.88%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 38 $9,920,000 $261,053 $4,124 2.86%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 22 $9,680,000 $440,000 $3,415 2.94%
    PROVO-OREM, UT (FHA|USDA|VA) 25 $9,465,000 $378,600 $3,322 2.88%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 33 $9,305,000 $281,970 $3,413 2.92%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 34 $9,030,000 $265,588 $3,455 2.85%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 35 $8,605,000 $245,857 $3,311 2.85%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 27 $8,525,000 $315,741 $4,631 2.99%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 36 $8,470,000 $235,278 $3,614 2.79%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 39 $8,105,000 $207,821 $4,234 2.72%
    RENO, NV (FHA|USDA|VA) 26 $8,040,000 $309,231 $4,472 2.84%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 35 $7,935,000 $226,714 $3,231 2.81%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 27 $7,865,000 $291,296 $3,382 2.88%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 27 $7,855,000 $290,926 $3,722 2.77%
    KNOXVILLE, TN (FHA|USDA|VA) 27 $7,705,000 $285,370 $3,340 2.77%
    HUNTSVILLE, AL (FHA|USDA|VA) 32 $7,450,000 $232,813 $3,235 2.98%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 34 $7,380,000 $217,059 $3,270 2.79%
    WINSTON-SALEM, NC (FHA|USDA|VA) 30 $7,360,000 $245,333 $3,086 2.73%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 25 $7,155,000 $286,200 $4,288 2.92%
    VALLEJO, CA (FHA|USDA|VA) 18 $7,150,000 $397,222 $3,131 2.97%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 31 $7,035,000 $226,935 $3,292 2.92%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 15 $6,915,000 $461,000 $3,547 2.68%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 17 $6,605,000 $388,529 $3,274 2.91%
    SPRINGFIELD, MA (FHA|USDA|VA) 25 $6,575,000 $263,000 $3,201 2.78%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 26 $6,420,000 $246,923 $3,118 2.83%
    ASHEVILLE, NC (FHA|USDA|VA) 23 $6,335,000 $275,435 $3,727 2.84%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 25 $6,165,000 $246,600 $4,644 2.93%
    TUCSON, AZ (FHA|USDA|VA) 28 $6,030,000 $215,357 $3,236 2.76%
    FORT COLLINS, CO (FHA|USDA|VA) 22 $6,020,000 $273,636 $3,427 2.77%
    BOULDER, CO (FHA|USDA|VA) 15 $5,935,000 $395,667 $3,993 2.75%
    FRESNO, CA (FHA|USDA|VA) 21 $5,615,000 $267,381 $3,157 2.93%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 23 $5,545,000 $241,087 $2,922 2.68%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 22 $5,470,000 $248,636 $3,594 2.81%
    Helena, MT (FHA|USDA|VA) 21 $5,345,000 $254,524 $4,297 2.85%
    CHICO, CA (FHA|USDA|VA) 15 $5,255,000 $350,333 $3,829 2.58%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 19 $5,205,000 $273,947 $3,271 2.86%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 21 $5,185,000 $246,905 $3,449 2.89%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 20 $5,170,000 $258,500 $3,845 2.81%
    ANN ARBOR, MI (FHA|USDA|VA) 19 $5,155,000 $271,316 $3,207 2.76%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 15 $5,135,000 $342,333 $5,287 2.98%
    WICHITA, KS (FHA|USDA|VA) 23 $5,085,000 $221,087 $3,319 2.77%
    WILMINGTON, NC (FHA|USDA|VA) 16 $4,970,000 $310,625 $4,912 2.88%
    ROANOKE, VA (FHA|USDA|VA) 18 $4,890,000 $271,667 $3,378 2.71%
    COLUMBIA, SC (FHA|USDA|VA) 20 $4,870,000 $243,500 $3,518 3.02%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 26 $4,830,000 $185,769 $3,351 2.56%
    NAPA, CA (FHA|USDA|VA) 8 $4,730,000 $591,250 $5,108 3.06%
    AKRON, OH (FHA|USDA|VA) 20 $4,670,000 $233,500 $3,354 2.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 21 $4,635,000 $220,714 $3,973 2.89%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 16 $4,610,000 $288,125 $4,561 2.83%
    TULSA, OK (FHA|USDA|VA) 19 $4,585,000 $241,316 $4,625 2.72%
    MODESTO, CA (FHA|USDA|VA) 16 $4,560,000 $285,000 $4,673 2.80%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 21 $4,315,000 $205,476 $3,286 2.89%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 16 $4,210,000 $263,125 $3,024 2.90%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 17 $4,155,000 $244,412 $4,595 2.85%
    PITTSFIELD, MA (FHA|USDA|VA) 14 $4,120,000 $294,286 $3,123 3.00%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 11 $3,945,000 $358,636 $3,516 2.80%
    SALISBURY, MD-DE (FHA|USDA|VA) 15 $3,795,000 $253,000 $3,904 2.64%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 14 $3,790,000 $270,714 $4,408 2.73%
    SALEM, OR (FHA|USDA|VA) 13 $3,775,000 $290,385 $4,246 2.68%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 15 $3,715,000 $247,667 $4,068 2.80%
    YORK-HANOVER, PA (FHA|USDA|VA) 18 $3,660,000 $203,333 $4,841 2.83%
    SALINAS, CA (FHA|USDA|VA) 9 $3,575,000 $397,222 $3,242 2.83%
    BELLINGHAM, WA (FHA|USDA|VA) 10 $3,570,000 $357,000 $4,292 2.84%
    GAINESVILLE, GA (FHA|USDA|VA) 12 $3,520,000 $293,333 $3,043 2.92%
    MADISON, WI (FHA|USDA|VA) 15 $3,495,000 $233,000 $4,038 2.70%
    Lebanon, NH-VT (FHA|USDA|VA) 11 $3,485,000 $316,818 $3,694 2.78%
    Heber, UT (FHA|USDA|VA) 7 $3,465,000 $495,000 $5,465 2.88%
    LANCASTER, PA (FHA|USDA|VA) 16 $3,380,000 $211,250 $4,360 2.86%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 12 $3,360,000 $280,000 $3,265 2.75%
    GREELEY, CO (FHA|USDA|VA) 11 $3,295,000 $299,545 $2,525 2.97%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 18 $3,270,000 $181,667 $3,810 2.92%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 11 $3,075,000 $279,545 $4,550 2.77%
    BAKERSFIELD, CA (FHA|USDA|VA) 11 $2,945,000 $267,727 $3,114 2.69%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 14 $2,830,000 $202,143 $3,092 2.71%
    GREEN BAY, WI (FHA|USDA|VA) 14 $2,800,000 $200,000 $3,032 2.75%
    BEND, OR (FHA|USDA|VA) 8 $2,770,000 $346,250 $4,978 2.83%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 10 $2,720,000 $272,000 $3,147 2.78%
    GAINESVILLE, FL (FHA|USDA|VA) 12 $2,660,000 $221,667 $3,850 2.77%
    YAKIMA, WA (FHA|USDA|VA) 8 $2,630,000 $328,750 $3,494 2.81%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 10 $2,630,000 $263,000 $3,261 2.95%
    TALLAHASSEE, FL (FHA|USDA|VA) 11 $2,565,000 $233,182 $4,972 2.88%
    WENATCHEE, WA (FHA|USDA|VA) 7 $2,565,000 $366,429 $3,452 2.61%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 15 $2,515,000 $167,667 $3,231 2.85%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $2,495,000 $356,429 $3,687 2.84%
    Kalispell, MT (FHA|USDA|VA) 7 $2,495,000 $356,429 $3,818 2.45%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 8 $2,480,000 $310,000 $3,995 2.42%
    READING, PA (FHA|USDA|VA) 13 $2,455,000 $188,846 $4,875 2.76%
    FORT WAYNE, IN (FHA|USDA|VA) 12 $2,440,000 $203,333 $3,102 2.95%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 7 $2,385,000 $340,714 $3,267 2.79%
    CORVALLIS, OR (FHA|USDA|VA) 7 $2,385,000 $340,714 $4,042 2.77%
    VISALIA, CA (FHA|USDA|VA) 10 $2,370,000 $237,000 $3,131 2.90%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 10 $2,350,000 $235,000 $3,190 2.76%
    Concord, NH (FHA|USDA|VA) 7 $2,325,000 $332,143 $3,410 2.98%
    TOLEDO, OH (FHA|USDA|VA) 11 $2,275,000 $206,818 $3,266 3.00%
    MOBILE, AL (FHA|USDA|VA) 8 $2,270,000 $283,750 $3,474 3.09%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 11 $2,265,000 $205,909 $4,482 2.57%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 8 $2,250,000 $281,250 $3,510 2.55%
    SAVANNAH, GA (FHA|USDA|VA) 9 $2,215,000 $246,111 $4,336 2.92%
    FAYETTEVILLE, NC (FHA|USDA|VA) 9 $2,215,000 $246,111 $3,963 2.57%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 13 $2,185,000 $168,077 $2,998 2.96%
    Torrington, CT (FHA|USDA|VA) 8 $2,150,000 $268,750 $3,976 2.69%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 9 $2,095,000 $232,778 $3,143 2.74%
    PUNTA GORDA, FL (FHA|USDA|VA) 8 $2,060,000 $257,500 $4,476 2.97%
    FLAGSTAFF, AZ (FHA|USDA|VA) 7 $2,025,000 $289,286 $3,416 2.86%
    REDDING, CA (FHA|USDA|VA) 7 $1,995,000 $285,000 $3,626 2.88%
    DULUTH, MN-WI (FHA|USDA|VA) 10 $1,980,000 $198,000 $3,133 2.78%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $1,955,000 $279,286 $3,609 3.04%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 7 $1,935,000 $276,429 $3,614 2.71%
    BATON ROUGE, LA (FHA|USDA|VA) 10 $1,890,000 $189,000 $4,023 2.71%
    RACINE, WI (FHA|USDA|VA) 8 $1,890,000 $236,250 $2,623 2.95%
    LONGVIEW, WA (FHA|USDA|VA) 6 $1,890,000 $315,000 $3,195 2.42%
    LYNCHBURG, VA (FHA|USDA|VA) 9 $1,885,000 $209,444 $2,848 2.71%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 10 $1,860,000 $186,000 $3,553 2.78%
    Key West, FL (FHA|USDA|VA) 4 $1,840,000 $460,000 $5,540 3.03%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,840,000 $306,667 $2,682 2.90%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 7 $1,825,000 $260,714 $3,074 2.54%
    OCALA, FL (FHA|USDA|VA) 9 $1,805,000 $200,556 $4,258 2.63%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 11 $1,805,000 $164,091 $3,015 2.77%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 9 $1,775,000 $197,222 $4,266 2.68%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 9 $1,775,000 $197,222 $3,507 2.88%
    MERCED, CA (FHA|USDA|VA) 5 $1,765,000 $353,000 $3,208 2.33%
    SPARTANBURG, SC (FHA|USDA|VA) 9 $1,745,000 $193,889 $3,080 2.82%
    EL PASO, TX (FHA|USDA|VA) 9 $1,725,000 $191,667 $3,817 2.54%
    WINCHESTER, VA-WV (FHA|USDA|VA) 4 $1,680,000 $420,000 $4,221 3.13%
    MONTGOMERY, AL (FHA|USDA|VA) 9 $1,675,000 $186,111 $3,088 2.97%
    ERIE, PA (FHA|USDA|VA) 7 $1,675,000 $239,286 $5,208 2.59%
    Whitewater, WI (FHA|USDA|VA) 7 $1,665,000 $237,857 $3,147 2.64%
    BLOOMINGTON, IN (FHA|USDA|VA) 8 $1,650,000 $206,250 $2,630 3.05%
    Outside of Metro Areas 6 $1,630,000 $271,667 $4,892 2.63%
    YUBA CITY, CA (FHA|USDA|VA) 5 $1,615,000 $323,000 $4,343 2.60%
    OCEAN CITY, NJ (FHA|USDA|VA) 6 $1,600,000 $266,667 $4,004 3.04%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 7 $1,595,000 $227,857 $3,209 2.84%
    NILES, MI (FHA|USDA|VA) 9 $1,595,000 $177,222 $3,289 2.83%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 7 $1,565,000 $223,571 $3,963 2.71%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 6 $1,560,000 $260,000 $4,805 2.81%
    Oak Harbor, WA (FHA|USDA|VA) 5 $1,535,000 $307,000 $2,801 2.58%
    MISSOULA, MT (FHA|USDA|VA) 6 $1,510,000 $251,667 $3,136 2.73%
    FARGO, ND-MN (FHA|USDA|VA) 5 $1,505,000 $301,000 $3,604 2.78%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 6 $1,500,000 $250,000 $3,027 2.69%
    COLUMBUS, IN (FHA|USDA|VA) 6 $1,500,000 $250,000 $2,557 3.13%
    ANCHORAGE, AK (FHA|USDA|VA) 6 $1,500,000 $250,000 $3,800 2.79%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 8 $1,490,000 $186,250 $4,073 2.61%
    CHEYENNE, WY (FHA|USDA|VA) 4 $1,460,000 $365,000 $3,124 2.69%
    LINCOLN, NE (FHA|USDA|VA) 9 $1,415,000 $157,222 $2,935 2.64%
    Glenwood Springs, CO (FHA|USDA|VA) 3 $1,415,000 $471,667 $2,784 3.08%
    Roseburg, OR (FHA|USDA|VA) 5 $1,415,000 $283,000 $5,031 2.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $1,405,000 $281,000 $4,534 3.25%
    Edwards, CO (FHA|USDA|VA) 4 $1,390,000 $347,500 $3,439 2.59%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 4 $1,380,000 $345,000 $6,294 2.88%
    Bozeman, MT (FHA|USDA|VA) 4 $1,360,000 $340,000 $8,255 2.84%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,355,000 $271,000 $4,966 2.65%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,335,000 $190,714 $3,053 2.71%
    JACKSON, MS (FHA|USDA|VA) 6 $1,320,000 $220,000 $3,140 2.83%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 4 $1,320,000 $330,000 $3,684 2.88%
    CASPER, WY (FHA|USDA|VA) 4 $1,310,000 $327,500 $3,342 2.53%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 6 $1,300,000 $216,667 $2,702 2.77%
    TOPEKA, KS (FHA|USDA|VA) 6 $1,300,000 $216,667 $4,799 2.69%
    APPLETON, WI (FHA|USDA|VA) 6 $1,300,000 $216,667 $2,953 2.79%
    Augusta-Waterville, ME (FHA|USDA|VA) 6 $1,290,000 $215,000 $3,305 2.54%
    Breckenridge, CO (FHA|USDA|VA) 3 $1,265,000 $421,667 $4,328 2.79%
    MUSKEGON, MI (FHA|USDA|VA) 6 $1,260,000 $210,000 $2,930 2.75%
    ROCHESTER, MN (FHA|USDA|VA) 6 $1,240,000 $206,667 $3,044 2.71%
    IDAHO FALLS, ID (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,083 2.68%
    ST. CLOUD, MN (FHA|USDA|VA) 6 $1,230,000 $205,000 $3,063 2.81%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 5 $1,205,000 $241,000 $4,295 3.28%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 6 $1,190,000 $198,333 $3,736 2.73%
    PANAMA CITY, FL (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,608 2.88%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $1,160,000 $290,000 $3,872 2.69%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $1,155,000 $231,000 $3,813 3.00%
    JOHNSON CITY, TN (FHA|USDA|VA) 5 $1,155,000 $231,000 $3,735 2.90%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $1,145,000 $229,000 $3,420 2.73%
    BILLINGS, MT (FHA|USDA|VA) 6 $1,130,000 $188,333 $4,011 2.92%
    LUBBOCK, TX (FHA|USDA|VA) 5 $1,125,000 $225,000 $4,127 2.58%
    Seneca, SC (FHA|USDA|VA) 4 $1,110,000 $277,500 $3,550 2.84%
    MONROE, MI (FHA|USDA|VA) 5 $1,095,000 $219,000 $2,673 2.88%
    Eureka-Arcata, CA (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,275 3.00%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 5 $1,085,000 $217,000 $2,987 2.38%
    DOTHAN, AL (FHA|USDA|VA) 6 $1,070,000 $178,333 $3,144 3.25%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 5 $1,055,000 $211,000 $4,015 2.65%
    YUMA, AZ (FHA|USDA|VA) 5 $1,055,000 $211,000 $2,811 2.93%
    Albertville, AL (FHA|USDA|VA) 5 $1,035,000 $207,000 $3,615 3.18%
    Georgetown, SC (FHA|USDA|VA) 2 $1,030,000 $515,000 $4,124 2.56%
    EAU CLAIRE, WI (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,297 2.53%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 5 $1,005,000 $201,000 $3,128 3.18%
    BURLINGTON, NC (FHA|USDA|VA) 5 $995,000 $199,000 $2,999 2.65%
    Red Wing, MN (FHA|USDA|VA) 3 $995,000 $331,667 $2,863 2.63%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $990,000 $247,500 $3,092 2.94%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $990,000 $247,500 $4,670 2.44%
    Faribault-Northfield, MN (FHA|USDA|VA) 3 $985,000 $328,333 $2,845 2.63%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 4 $970,000 $242,500 $3,428 2.75%
    Sevierville, TN (FHA|USDA|VA) 3 $955,000 $318,333 $3,002 3.04%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $920,000 $230,000 $3,239 2.66%
    FLINT, MI (FHA|USDA|VA) 6 $910,000 $151,667 $3,258 2.98%
    TERRE HAUTE, IN (FHA|USDA|VA) 6 $910,000 $151,667 $3,255 2.77%
    ST. GEORGE, UT (FHA|USDA|VA) 4 $910,000 $227,500 $3,013 2.72%
    STAUNTON, VA (FHA|USDA|VA) 4 $910,000 $227,500 $3,216 2.78%
    LEBANON, PA (FHA|USDA|VA) 4 $900,000 $225,000 $4,737 2.56%
    Rutland, VT (FHA|USDA|VA) 3 $895,000 $298,333 $2,691 3.17%
    SAGINAW, MI (FHA|USDA|VA) 4 $890,000 $222,500 $2,539 2.84%
    Moscow, ID (FHA|USDA|VA) 2 $880,000 $440,000 $7,043 2.88%
    JACKSON, MI (FHA|USDA|VA) 4 $880,000 $220,000 $3,206 2.69%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 4 $870,000 $217,500 $3,028 3.13%
    DOVER, DE (FHA|USDA|VA) 3 $855,000 $285,000 $3,056 2.96%
    BOWLING GREEN, KY (FHA|USDA|VA) 4 $850,000 $212,500 $4,242 2.53%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 4 $850,000 $212,500 $3,050 2.69%
    LAFAYETTE, LA (FHA|USDA|VA) 5 $825,000 $165,000 $3,844 2.63%
    IOWA CITY, IA (FHA|USDA|VA) 3 $825,000 $275,000 $5,773 2.46%
    ROCKFORD, IL (FHA|USDA|VA) 5 $815,000 $163,000 $3,427 2.73%
    MANKATO, MN (FHA|USDA|VA) 3 $815,000 $271,667 $2,910 3.13%
    LAWTON, OK (FHA|USDA|VA) 2 $790,000 $395,000 $4,329 2.31%
    COLUMBUS, GA-AL (FHA|USDA|VA) 4 $770,000 $192,500 $2,578 2.53%
    Durango, CO (FHA|USDA|VA) 2 $760,000 $380,000 $2,764 3.25%
    DECATUR, AL (FHA|USDA|VA) 3 $755,000 $251,667 $3,163 3.08%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $745,000 $248,333 $3,764 2.63%
    MONROE, LA (FHA|USDA|VA) 4 $740,000 $185,000 $3,025 2.72%
    MIDLAND, MI (FHA|USDA|VA) 5 $735,000 $147,000 $2,690 2.60%
    NEW BERN, NC (FHA|USDA|VA) 3 $735,000 $245,000 $3,144 2.50%
    Barre, VT (FHA|USDA|VA) 3 $735,000 $245,000 $3,186 2.92%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $735,000 $245,000 $2,604 2.75%
    ROME, GA (FHA|USDA|VA) 4 $730,000 $182,500 $3,398 3.16%
    PEORIA, IL (FHA|USDA|VA) 4 $730,000 $182,500 $2,979 2.44%
    Fernley, NV (FHA|USDA|VA) 2 $730,000 $365,000 $4,000 3.00%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $725,000 $241,667 $6,918 2.71%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 3 $715,000 $238,333 $3,010 2.71%
    GREENVILLE, NC (FHA|USDA|VA) 3 $705,000 $235,000 $2,907 2.83%
    Red Bluff, CA (FHA|USDA|VA) 2 $700,000 $350,000 $3,259 2.88%
    Washington, NC (FHA|USDA|VA) 4 $690,000 $172,500 $3,453 2.66%
    Dayton, TN (FHA|USDA|VA) 2 $690,000 $345,000 $2,240 2.38%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $685,000 $228,333 $3,767 2.67%
    LEWISTON, ID-WA (FHA|USDA|VA) 3 $685,000 $228,333 $4,124 3.25%
    MADERA, CA (FHA|USDA|VA) 2 $670,000 $335,000 $4,776 3.25%
    LOGAN, UT-ID (FHA|USDA|VA) 2 $670,000 $335,000 $4,472 2.50%
    Laconia, NH (FHA|USDA|VA) 2 $660,000 $330,000 $5,129 2.81%
    Payson, AZ (FHA|USDA|VA) 2 $660,000 $330,000 $4,477 3.25%
    Brainerd, MN (FHA|USDA|VA) 3 $655,000 $218,333 $3,285 2.46%
    Rexburg, ID (FHA|USDA|VA) 2 $650,000 $325,000 $5,549 2.50%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $645,000 $215,000 $2,472 3.00%
    Pottsville, PA (FHA|USDA|VA) 3 $635,000 $211,667 $4,179 2.54%
    WACO, TX (FHA|USDA|VA) 3 $625,000 $208,333 $3,144 2.75%
    ALTOONA, PA (FHA|USDA|VA) 3 $625,000 $208,333 $3,998 2.75%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $610,000 $305,000 $3,939 3.25%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $605,000 $201,667 $3,502 3.00%
    London, KY (FHA|USDA|VA) 2 $600,000 $300,000 $2,787 2.44%
    SHEBOYGAN, WI (FHA|USDA|VA) 4 $600,000 $150,000 $3,024 3.38%
    Calhoun, GA (FHA|USDA|VA) 3 $595,000 $198,333 $2,568 3.08%
    Show Low, AZ (FHA|USDA|VA) 3 $595,000 $198,333 $3,703 2.58%
    Shelby, NC (FHA|USDA|VA) 2 $590,000 $295,000 $3,273 2.69%
    HARRISONBURG, VA (FHA|USDA|VA) 3 $575,000 $191,667 $3,088 3.08%
    BANGOR, ME (FHA|USDA|VA) 3 $575,000 $191,667 $2,890 2.79%
    Athens, OH (FHA|USDA|VA) 2 $570,000 $285,000 $5,421 2.56%
    Aberdeen, WA (FHA|USDA|VA) 2 $560,000 $280,000 $4,369 2.81%
    GETTYSBURG, PA (FHA|USDA|VA) 3 $555,000 $185,000 $4,047 2.83%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $545,000 $545,000 $2,913 2.13%
    Kerrville, TX (FHA|USDA|VA) 1 $545,000 $545,000 $5,307 3.38%
    Klamath Falls, OR (FHA|USDA|VA) 2 $540,000 $270,000 $3,304 2.56%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $535,000 $535,000 $2,326 2.88%
    PUEBLO, CO (FHA|USDA|VA) 3 $525,000 $175,000 $2,625 3.00%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 3 $525,000 $175,000 $3,323 2.75%
    Kill Devil Hills, NC (FHA|USDA|VA) 2 $520,000 $260,000 $3,509 3.00%
    The Dalles, OR (FHA|USDA|VA) 2 $520,000 $260,000 $3,056 3.00%
    Grand Rapids, MN (FHA|USDA|VA) 3 $515,000 $171,667 $2,914 2.92%
    GADSDEN, AL (FHA|USDA|VA) 2 $510,000 $255,000 $2,183 2.94%
    Sterling, CO (FHA|USDA|VA) 2 $510,000 $255,000 $2,882 2.81%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $510,000 $255,000 $4,673 2.94%
    Holland, MI (FHA|USDA|VA) 3 $505,000 $168,333 $3,584 3.00%
    TUSCALOOSA, AL (FHA|USDA|VA) 3 $505,000 $168,333 $3,289 2.71%
    Pahrump, NV (FHA|USDA|VA) 3 $495,000 $165,000 $2,688 2.96%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $495,000 $165,000 $2,536 2.71%
    Spirit Lake, IA (FHA|USDA|VA) 2 $490,000 $245,000 $3,883 3.00%
    JACKSONVILLE, NC (FHA|USDA|VA) 3 $485,000 $161,667 $4,520 2.67%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $480,000 $240,000 $3,552 2.88%
    Pullman, WA (FHA|USDA|VA) 1 $475,000 $475,000 $11,079 1.75%
    FOND DU LAC, WI (FHA|USDA|VA) 3 $475,000 $158,333 $2,498 2.46%
    LAWRENCE, KS (FHA|USDA|VA) 2 $470,000 $235,000 $5,377 2.56%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $470,000 $235,000 $2,743 2.50%
    Sandpoint, ID (FHA|USDA|VA) 2 $470,000 $235,000 $3,009 2.75%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $470,000 $235,000 $4,452 3.25%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $470,000 $235,000 $4,825 2.75%
    Beaver Dam, WI (FHA|USDA|VA) 1 $465,000 $465,000 $2,292 2.25%
    BLOOMINGTON, IL (FHA|USDA|VA) 3 $465,000 $155,000 $3,224 2.25%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $460,000 $230,000 $2,678 2.88%
    Madison, IN (FHA|USDA|VA) 2 $460,000 $230,000 $2,511 3.06%
    Greensburg, IN (FHA|USDA|VA) 3 $455,000 $151,667 $2,586 2.67%
    Jefferson, GA (FHA|USDA|VA) 2 $450,000 $225,000 $3,486 2.88%
    Bennington, VT (FHA|USDA|VA) 2 $450,000 $225,000 $4,060 2.63%
    Statesboro, GA (FHA|USDA|VA) 1 $445,000 $445,000 $2,392 2.88%
    Coos Bay, OR (FHA|USDA|VA) 1 $445,000 $445,000 $4,319 2.13%
    Newberry, SC (FHA|USDA|VA) 2 $440,000 $220,000 $2,862 2.56%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $430,000 $215,000 $4,864 2.50%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $430,000 $215,000 $2,873 2.63%
    LAREDO, TX (FHA|USDA|VA) 2 $430,000 $215,000 $4,856 2.69%
    Hillsdale, MI (FHA|USDA|VA) 1 $425,000 $425,000 $2,472 2.50%
    Paducah, KY-IL (FHA|USDA|VA) 1 $425,000 $425,000 $4,096 1.88%
    Lufkin, TX (FHA|USDA|VA) 2 $410,000 $205,000 $2,737 2.69%
    DALTON, GA (FHA|USDA|VA) 2 $410,000 $205,000 $4,723 2.81%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $405,000 $135,000 $2,981 3.54%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $405,000 $135,000 $3,344 2.29%
    EL CENTRO, CA (FHA|USDA|VA) 2 $400,000 $200,000 $2,672 2.38%
    WALLA WALLA, WA (FHA|USDA|VA) 2 $390,000 $195,000 $3,168 2.69%
    Roanoke Rapids, NC (FHA|USDA|VA) 2 $390,000 $195,000 $2,828 2.94%
    ALBANY, GA (FHA|USDA|VA) 2 $390,000 $195,000 $3,460 2.88%
    Elko, NV (FHA|USDA|VA) 1 $385,000 $385,000 $3,584 3.13%
    Big Rapids, MI (FHA|USDA|VA) 2 $380,000 $190,000 $1,632 2.69%
    HATTIESBURG, MS (FHA|USDA|VA) 2 $380,000 $190,000 $2,677 2.50%
    Traverse City, MI (FHA|USDA|VA) 2 $380,000 $190,000 $2,456 2.75%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $375,000 $375,000 $2,218 2.88%
    Mount Vernon, OH (FHA|USDA|VA) 1 $375,000 $375,000 $3,408 2.75%
    ABILENE, TX (FHA|USDA|VA) 2 $370,000 $185,000 $4,162 3.19%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $370,000 $185,000 $2,886 2.81%
    LIMA, OH (FHA|USDA|VA) 2 $370,000 $185,000 $3,354 2.25%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $370,000 $185,000 $3,710 2.88%
    Alexander City, AL (FHA|USDA|VA) 2 $370,000 $185,000 $2,119 2.69%
    HINESVILLE, GA (FHA|USDA|VA) 1 $365,000 $365,000 $3,302 2.63%
    Marietta, OH (FHA|USDA|VA) 1 $365,000 $365,000 $4,369 3.00%
    Fallon, NV (FHA|USDA|VA) 1 $365,000 $365,000 $6,412 3.88%
    Hastings, NE (FHA|USDA|VA) 1 $365,000 $365,000 $2,318 2.38%
    Stevens Point, WI (FHA|USDA|VA) 2 $360,000 $180,000 $2,874 3.00%
    MEDFORD, OR (FHA|USDA|VA) 2 $360,000 $180,000 $4,536 2.75%
    Angola, IN (FHA|USDA|VA) 1 $355,000 $355,000 $2,147 3.38%
    Oxford, MS (FHA|USDA|VA) 1 $355,000 $355,000 $3,958 2.13%
    Cullowhee, NC (FHA|USDA|VA) 1 $355,000 $355,000 $2,163 2.50%
    Jackson, WY-ID (FHA|USDA|VA) 1 $355,000 $355,000 $0 3.88%
    Brenham, TX (FHA|USDA|VA) 1 $345,000 $345,000 $4,887 2.88%
    New Castle, IN (FHA|USDA|VA) 1 $345,000 $345,000 $4,251 2.75%
    Newport, OR (FHA|USDA|VA) 1 $345,000 $345,000 $4,117 3.13%
    Garden City, KS (FHA|USDA|VA) 1 $345,000 $345,000 $2,933 2.75%
    HAMMOND, LA (FHA|USDA|VA) 2 $340,000 $170,000 $3,048 2.88%
    Wooster, OH (FHA|USDA|VA) 2 $340,000 $170,000 $2,974 2.19%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $330,000 $165,000 $3,370 2.75%
    Centralia, WA (FHA|USDA|VA) 1 $325,000 $325,000 $6,927 2.13%
    Uvalde, TX (FHA|USDA|VA) 1 $325,000 $325,000 $9,914 1.88%
    FAIRBANKS, AK (FHA|USDA|VA) 1 $325,000 $325,000 $8,181 2.00%
    MANHATTAN, KS (FHA|USDA|VA) 2 $320,000 $160,000 $2,109 2.50%
    STATE COLLEGE, PA (FHA|USDA|VA) 2 $320,000 $160,000 $4,536 2.63%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $320,000 $160,000 $3,216 2.50%
    Auburn, IN (FHA|USDA|VA) 2 $320,000 $160,000 $2,880 2.81%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $315,000 $315,000 $4,027 2.25%
    Jasper, IN (FHA|USDA|VA) 1 $315,000 $315,000 $2,952 2.88%
    Sonora, CA (FHA|USDA|VA) 2 $310,000 $155,000 $4,125 2.69%
    Sunbury, PA (FHA|USDA|VA) 1 $305,000 $305,000 $7,653 3.00%
    Athens, TN (FHA|USDA|VA) 1 $305,000 $305,000 $4,170 2.25%
    Laramie, WY (FHA|USDA|VA) 1 $305,000 $305,000 $3,486 3.13%
    Beatrice, NE (FHA|USDA|VA) 1 $305,000 $305,000 $2,965 2.75%
    FORT SMITH, AR-OK (FHA|USDA|VA) 2 $300,000 $150,000 $4,771 2.06%
    Nacogdoches, TX (FHA|USDA|VA) 1 $295,000 $295,000 $5,041 2.13%
    Findlay, OH (FHA|USDA|VA) 1 $295,000 $295,000 $4,410 3.00%
    North Vernon, IN (FHA|USDA|VA) 1 $295,000 $295,000 $2,457 2.13%
    Lewisburg, PA (FHA|USDA|VA) 1 $295,000 $295,000 $3,683 2.75%
    Pella, IA (FHA|USDA|VA) 2 $290,000 $145,000 $2,979 3.25%
    Frankfort, KY (FHA|USDA|VA) 2 $290,000 $145,000 $2,613 2.50%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $290,000 $145,000 $2,991 3.00%
    Moses Lake, WA (FHA|USDA|VA) 2 $290,000 $145,000 $2,337 2.88%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $285,000 $285,000 $3,018 2.88%
    SAN ANGELO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,123 2.88%
    Big Spring, TX (FHA|USDA|VA) 1 $285,000 $285,000 $5,001 3.25%
    Salem, OH (FHA|USDA|VA) 1 $275,000 $275,000 $2,327 2.63%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $275,000 $275,000 $2,682 3.00%
    Crossville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $3,593 2.38%
    Port Angeles, WA (FHA|USDA|VA) 1 $275,000 $275,000 $4,694 2.88%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $270,000 $135,000 $2,703 2.44%
    Easton, MD (FHA|USDA|VA) 1 $265,000 $265,000 $2,282 2.38%
    Selinsgrove, PA (FHA|USDA|VA) 1 $265,000 $265,000 $7,137 2.50%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $265,000 $265,000 $2,756 2.50%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $260,000 $130,000 $2,999 2.38%
    Cullman, AL (FHA|USDA|VA) 2 $260,000 $130,000 $2,774 2.44%
    Cambridge, MD (FHA|USDA|VA) 1 $255,000 $255,000 $2,268 3.00%
    St. Marys, GA (FHA|USDA|VA) 1 $255,000 $255,000 $2,910 2.63%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $255,000 $255,000 $3,323 3.13%
    Lake City, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,495 3.13%
    BATTLE CREEK, MI (FHA|USDA|VA) 2 $250,000 $125,000 $3,177 2.88%
    Fitzgerald, GA (FHA|USDA|VA) 1 $245,000 $245,000 $2,677 2.75%
    POCATELLO, ID (FHA|USDA|VA) 2 $240,000 $120,000 $4,171 2.88%
    Alexandria, MN (FHA|USDA|VA) 2 $240,000 $120,000 $2,796 2.25%
    Shelton, WA (FHA|USDA|VA) 1 $235,000 $235,000 $5,294 2.50%
    MIDLAND, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,052 3.00%
    Cedartown, GA (FHA|USDA|VA) 1 $235,000 $235,000 $4,659 3.00%
    AMARILLO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $3,800 2.63%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $2,713 2.88%
    Marshall, MN (FHA|USDA|VA) 1 $235,000 $235,000 $3,902 3.00%
    Lock Haven, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,330 3.00%
    Ukiah, CA (FHA|USDA|VA) 1 $235,000 $235,000 $2,488 2.75%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $235,000 $235,000 $2,663 4.13%
    Ottawa, IL (FHA|USDA|VA) 2 $230,000 $115,000 $2,495 2.63%
    Cadillac, MI (FHA|USDA|VA) 1 $225,000 $225,000 $3,147 3.13%
    Mason City, IA (FHA|USDA|VA) 1 $225,000 $225,000 $4,839 2.38%
    RAPID CITY, SD (FHA|USDA|VA) 1 $225,000 $225,000 $2,402 3.25%
    Ellensburg, WA (FHA|USDA|VA) 1 $225,000 $225,000 $2,586 3.25%
    Boone, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,021 3.00%
    Danville, VA (FHA|USDA|VA) 1 $225,000 $225,000 $2,088 2.25%
    Greeneville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $3,133 2.38%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $215,000 $215,000 $2,238 3.13%
    Jackson, OH (FHA|USDA|VA) 1 $215,000 $215,000 $2,716 2.88%
    Athens, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,027 2.88%
    Willmar, MN (FHA|USDA|VA) 1 $215,000 $215,000 $3,765 3.25%
    Shawano, WI (FHA|USDA|VA) 1 $215,000 $215,000 $2,613 2.25%
    Danville, KY (FHA|USDA|VA) 1 $215,000 $215,000 $3,740 2.13%
    Batesville, AR (FHA|USDA|VA) 1 $215,000 $215,000 $3,473 3.00%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $215,000 $215,000 $3,967 2.38%
    Marion, IN (FHA|USDA|VA) 1 $205,000 $205,000 $3,205 3.13%
    Madisonville, KY (FHA|USDA|VA) 1 $205,000 $205,000 $2,728 2.75%
    OWENSBORO, KY (FHA|USDA|VA) 1 $205,000 $205,000 $4,320 2.38%
    Fredericksburg, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,442 2.50%
    VICTORIA, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,471 3.38%
    KOKOMO, IN (FHA|USDA|VA) 1 $195,000 $195,000 $4,599 2.88%
    Waycross, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,961 3.50%
    Washington Court House, OH (FHA|USDA|VA) 1 $195,000 $195,000 $6,200 2.25%
    Lewistown, PA (FHA|USDA|VA) 1 $195,000 $195,000 $3,762 2.88%
    Somerset, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,811 3.13%
    Susanville, CA (FHA|USDA|VA) 1 $185,000 $185,000 $3,521 3.00%
    North Platte, NE (FHA|USDA|VA) 1 $185,000 $185,000 $3,437 2.88%
    Fort Polk South, LA (FHA|USDA|VA) 1 $185,000 $185,000 $3,560 3.00%
    Evanston, WY (FHA|USDA|VA) 1 $185,000 $185,000 $2,540 2.38%
    KANKAKEE, IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,993 2.38%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $185,000 $185,000 $4,533 2.88%
    Arkadelphia, AR (FHA|USDA|VA) 1 $185,000 $185,000 $3,078 2.50%
    MANSFIELD, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,647 2.38%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $175,000 $175,000 $2,920 3.63%
    Coldwater, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,110 2.50%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,679 3.00%
    Scottsbluff, NE (FHA|USDA|VA) 1 $175,000 $175,000 $3,163 2.88%
    MUNCIE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $3,693 2.13%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $175,000 $175,000 $3,325 2.63%
    La Grande, OR (FHA|USDA|VA) 1 $175,000 $175,000 $4,161 2.50%
    Keene, NH (FHA|USDA|VA) 1 $165,000 $165,000 $2,813 2.88%
    Altus, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,814 2.75%
    Ludington, MI (FHA|USDA|VA) 1 $165,000 $165,000 $5,626 2.50%
    Defiance, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,157 2.38%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,663 2.88%
    Zanesville, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,538 3.13%
    TYLER, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,547 2.75%
    Granbury, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,676 2.88%
    CARSON CITY, NV (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,839 2.88%
    McComb, MS (FHA|USDA|VA) 1 $145,000 $145,000 $3,862 3.25%
    Brookings, SD (FHA|USDA|VA) 1 $145,000 $145,000 $3,554 3.38%
    Natchez, MS-LA (FHA|USDA|VA) 1 $145,000 $145,000 $3,433 2.25%
    Price, UT (FHA|USDA|VA) 1 $145,000 $145,000 $3,138 2.50%
    Montrose, CO (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.38%
    Sandusky, OH (FHA|USDA|VA) 1 $145,000 $145,000 $4,368 3.25%
    Eagle Pass, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,472 2.88%
    Tiffin, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,792 3.38%
    Urbana, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,632 3.38%
    Vidalia, GA (FHA|USDA|VA) 1 $145,000 $145,000 $4,127 3.13%
    FLORENCE, SC (FHA|USDA|VA) 1 $145,000 $145,000 $2,848 3.13%
    Cambridge, OH (FHA|USDA|VA) 1 $135,000 $135,000 $6,284 1.75%
    Scottsburg, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,466 2.38%
    Picayune, MS (FHA|USDA|VA) 1 $135,000 $135,000 $0 2.88%
    Alpena, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,085 3.25%
    Adrian, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,325 3.13%
    Ozark, AL (FHA|USDA|VA) 1 $135,000 $135,000 $2,873 2.38%
    Plainview, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,856 2.75%
    Mount Sterling, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,396 2.38%
    Butte-Silver Bow, MT (FHA|USDA|VA) 1 $125,000 $125,000 $2,817 3.25%
    Connersville, IN (FHA|USDA|VA) 1 $125,000 $125,000 $5,695 3.63%
    Clearlake, CA (FHA|USDA|VA) 1 $125,000 $125,000 $2,682 2.25%
    Crawfordsville, IN (FHA|USDA|VA) 1 $125,000 $125,000 $3,777 2.88%
    Fort Morgan, CO (FHA|USDA|VA) 1 $125,000 $125,000 $2,108 2.75%
    JACKSON, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,641 2.75%
    Wilson, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,511 2.13%
    Cedar City, UT (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.38%
    Murray, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,864 3.25%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $115,000 $115,000 $2,461 2.38%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.00%
    Cañon City, CO (FHA|USDA|VA) 1 $115,000 $115,000 $3,043 3.13%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,433 2.75%
    Wilmington, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,199 3.00%
    Frankfort, IN (FHA|USDA|VA) 1 $115,000 $115,000 $2,583 2.50%
    BAY CITY, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,688 3.13%
    Galesburg, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,847 4.50%
    Ashland, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,827 2.88%
    LONGVIEW, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,944 3.13%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,108 2.25%
    DECATUR, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,311 2.25%
    Duncan, OK (FHA|USDA|VA) 1 $105,000 $105,000 $3,931 2.38%
    Minden, LA (FHA|USDA|VA) 1 $105,000 $105,000 $4,541 2.88%
    Albert Lea, MN (FHA|USDA|VA) 1 $105,000 $105,000 $3,047 3.25%
    New Castle, PA (FHA|USDA|VA) 1 $105,000 $105,000 $3,877 2.63%
    Sofi Lending Corp.'s top markets include Los Angeles, Washington, San Francisco, New York, and Seattle among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against SOFI LENDING CORP. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,811 $2,968,785,000 $302,598 $3,832 2.80%

    For 2021, Sofi Lending Corp.'s most frequently originated type of loan was Conventional, with 9,811 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 5,035 $1,479,725,000 $293,888 $3,495 2.70%
    Cash Out Refi 3,771 $1,147,305,000 $304,244 $4,008 2.91%
    Home Purchase 967 $329,405,000 $340,646 $4,965 2.91%
    Home Improvement 38 $12,350,000 $325,000 $3,942 2.96%

    For 2021, Sofi Lending Corp.'s most frequently cited loan purpose was Refi, with 5,035 originations. The 2nd most popular reason was Cash Out Refi, with 3,771 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,609 $1,859,505,000 $331,522 $4,018 3.03%
    15 Year 2,726 $715,340,000 $262,414 $3,578 2.39%
    20 Year 1,105 $312,515,000 $282,819 $3,711 2.82%
    10 Year 371 $81,425,000 $219,474 $3,281 2.29%

    For 2021, Sofi Lending Corp.'s most frequently cited loan duration was 30 Year, with 5,609 originations. The 2nd most popular length was 15 Year, with 2,726 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,809 $1,083,455,000 $284,446
    $<1k 3,349 $1,060,795,000 $316,750
    $2k-3k 964 $275,260,000 $285,539
    $5k+ 510 $220,740,000 $432,824
    $3k-4k 497 $146,745,000 $295,262
    $4k-5k 294 $98,060,000 $333,537

    Sofi Lending Corp.'s average total fees were $4,018, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,809 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 4,931 $1,565,205,000 $317,421
    <2.5% 2,745 $727,835,000 $265,149
    3-4% 2,065 $659,525,000 $319,383
    4-5% 70 $16,220,000 $231,714

    During 2021, Sofi Lending Corp.'s average interest rate for loans was 3.03%, while their most frequently originated rate bucket for loans was 2.5-3%, with 4,931 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,831 $1,393,345,000 $288,418 $3,733 2.81%
    $100k-200k 2,721 $413,515,000 $151,972 $3,296 2.75%
    $400k-600k 1,923 $923,215,000 $480,091 $4,432 2.85%
    $600k-1MM 324 $228,670,000 $705,772 $5,772 2.93%
    $1MM+ 7 $9,565,000 $1,366,429 $10,492 3.09%
    $100,000 or less 5 $475,000 $95,000 $4,208 2.78%

    2021 saw Sofi Lending Corp. place emphasis on $200k-400k loans with 4,831 originations, totaling $1,393,345,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 3,220 $1,125,590,000 $349,562 $3,964 2.81%
    $100k-150k 2,883 $801,665,000 $278,066 $3,730 2.81%
    $75k-100k 1,352 $311,900,000 $230,695 $3,641 2.81%
    $250k+ 1,245 $520,025,000 $417,691 $4,232 2.75%
    $50k-75k 898 $173,320,000 $193,007 $3,545 2.82%
    $50k or less 200 $32,860,000 $164,300 $3,580 2.90%

    Sofi Lending Corp. lent most frequently to those with incomes in the $150k-250k range, with 3,220 originations. The second most popular income band? $100k-150k, with 2,883 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,823 $846,955,000 $300,019 $3,783 2.75%
    30-36% 1,825 $555,705,000 $304,496 $3,821 2.82%
    <20% 1,337 $370,215,000 $276,900 $3,570 2.69%
    44% 360 $116,860,000 $324,611 $4,226 2.90%
    37% 331 $104,145,000 $314,637 $3,991 2.85%
    42% 328 $100,890,000 $307,591 $3,854 2.90%
    40% 312 $100,970,000 $323,622 $3,957 2.86%
    41% 309 $96,135,000 $311,117 $4,013 2.90%
    36% 309 $94,795,000 $306,780 $3,705 2.85%
    43% 307 $98,875,000 $322,068 $4,058 2.89%
    39% 272 $81,550,000 $299,816 $3,907 2.82%
    38% 272 $86,740,000 $318,897 $3,861 2.87%
    49% 216 $69,340,000 $321,019 $4,207 2.84%
    45% 215 $64,695,000 $300,907 $3,892 2.87%
    48% 208 $66,920,000 $321,731 $4,199 2.83%
    46% 197 $58,955,000 $299,264 $3,926 2.91%
    47% 190 $55,040,000 $289,684 $3,685 2.89%

    Sofi Lending Corp. lent most frequently to those with DTI ratios of 20-30%, with 2,823 originations. The next most common DTI ratio? 30-36%, with 1,825 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,913 $2,043,555,000 $295,610 $3,756 2.80%
    Not provided 1,494 $465,790,000 $311,774 $3,983 2.80%
    Asian 669 $235,525,000 $352,055 $4,142 2.75%
    Black 513 $152,075,000 $296,442 $3,910 2.88%
    Asian Indian 70 $24,920,000 $356,000 $4,090 2.71%
    American Indian 45 $11,905,000 $264,556 $4,104 2.93%
    Filipino 30 $10,370,000 $345,667 $4,966 2.88%
    Other Asian 25 $7,525,000 $301,000 $4,057 2.62%
    Chinese 16 $5,880,000 $367,500 $4,369 2.53%
    Native Hawaiian or Islander 12 $3,570,000 $297,500 $3,420 2.80%
    Japanese 9 $3,335,000 $370,556 $3,767 2.76%
    Vietnamese 9 $2,315,000 $257,222 $4,097 2.76%
    Korean 5 $1,475,000 $295,000 $3,071 2.48%
    Other Pacific Islander 1 $545,000 $545,000 $2,173 2.75%

    Approval Rates

    Total approvals of all applications
    74.56%

    Sofi Lending Corp. has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    16.74%

    Sofi Lending Corp. 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 9,811 $2,968,785,000 $302,598

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    9,811 $2,968,785,000 $302,598

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 555 $133,875,000 $241,216 $3,404 2.55%
    40-60% 2,236 $626,230,000 $280,067 $3,435 2.66%
    60-80% 5,470 $1,698,810,000 $310,569 $3,897 2.86%
    80-100% 1,511 $502,485,000 $332,551 $4,333 2.91%
    Under 20% 39 $7,385,000 $189,359 $3,335 2.48%