Guaranteed Rate Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300U3721PJGQZYY68

Tax ID: 36-4327855

4.3 stars - out of 5 stars, based on 287 reviews

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

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Mortgage Data

Review & Overview

Guaranteed Rate is a large mortgage company specializing in Home Purchase loans. Guaranteed Rate 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: Chicago, Boston, New York, Los Angeles, and San Francisco among others. We have data for 797 markets. (Some data included below & more in-depth data is available with an active subscription.)

Guaranteed Rate has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Guaranteed Rate 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 6.62% 5/28/23
30 Year Conventional Refi 6.42% 5/28/23
30 Year Cash-out Refi 6.61% 5/28/23
30 Year FHA Purchase 7.51% 5/28/23
30 Year FHA Refi 7.44% 5/28/23
30 Year VA Purchase 6.18% 5/28/23
30 Year VA Refi 6.01% 5/28/23
30 Year USDA Purchase 6.97% 5/28/23
30 Year USDA Refi 6.80% 5/28/23
15 Year Conventional Purchase 5.81% 5/28/23
15 Year Conventional Refi 5.92% 5/28/23
15 Year Cash-out Refi 5.92% 5/28/23
15 Year FHA Purchase 7.06% 5/28/23
15 Year FHA Refi 7.20% 5/28/23
15 Year VA Purchase 6.03% 5/28/23
15 Year VA Refi 5.68% 5/28/23
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.

Guaranteed Rate Mortgage Calculator






Your Estimates

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

This is not an official calculator from Guaranteed Rate. 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

82,163

Origination Dollar Volume (All Markets)

$31,008,935,000
Show all (125) awards

Relative Rate

Guaranteed Rate's average 30 year fixed mortgage rate was 4.79%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.03%.

Relative Fees (Closing Costs)

Guaranteed Rate's average total fees/closing costs for a 30 year fixed rate mortgage were $7,106.

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
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 13,951 $4,547,805,000 $325,984 $6,434 4.74%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4,236 $2,235,080,000 $527,639 $5,975 4.46%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4,159 $1,997,435,000 $480,268 $8,400 4.60%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2,158 $1,329,200,000 $615,941 $7,039 3.98%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1,467 $1,143,975,000 $779,806 $9,256 4.03%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3,161 $1,098,245,000 $347,436 $6,792 4.69%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2,196 $865,930,000 $394,321 $9,224 5.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1,474 $848,710,000 $575,787 $9,102 4.46%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1,247 $521,585,000 $418,272 $6,861 4.18%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 753 $495,175,000 $657,603 $9,601 4.12%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1,220 $484,820,000 $397,393 $7,002 4.63%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 883 $452,655,000 $512,633 $5,826 4.75%
Outside of Metro Areas 1,710 $442,290,000 $258,649 $6,179 4.87%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1,021 $434,005,000 $425,078 $7,723 4.56%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1,191 $397,925,000 $334,110 $7,196 4.49%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,086 $367,330,000 $338,241 $8,016 4.67%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1,143 $353,235,000 $309,042 $6,805 4.70%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 986 $351,750,000 $356,744 $7,086 4.80%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 548 $334,160,000 $609,781 $8,550 4.46%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 849 $311,665,000 $367,097 $7,483 4.79%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1,138 $294,320,000 $258,629 $4,604 4.85%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 979 $278,705,000 $284,683 $4,641 5.04%
URBAN HONOLULU, HI (FHA|USDA|VA) 441 $274,925,000 $623,413 $14,485 4.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 646 $272,860,000 $422,384 $9,005 4.41%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 605 $270,505,000 $447,116 $7,444 4.89%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 644 $253,800,000 $394,099 $7,078 4.70%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 575 $247,785,000 $430,930 $6,809 4.74%
WORCESTER, MA-CT (FHA|USDA|VA) 657 $227,965,000 $346,979 $6,397 4.85%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 461 $227,035,000 $492,484 $8,646 4.56%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 582 $221,140,000 $379,966 $7,955 4.35%
COLUMBUS, OH (FHA|USDA|VA) 727 $214,995,000 $295,729 $6,495 4.86%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 243 $213,765,000 $879,691 $9,251 3.86%
RALEIGH-CARY, NC (FHA|USDA|VA) 518 $209,130,000 $403,726 $5,406 4.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 809 $190,845,000 $235,902 $5,045 4.96%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 348 $188,140,000 $540,632 $7,655 4.36%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 363 $175,425,000 $483,264 $7,082 4.35%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 367 $165,505,000 $450,967 $6,312 4.21%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 595 $165,395,000 $277,975 $6,481 4.68%
BOISE CITY, ID (FHA|USDA|VA) 418 $161,400,000 $386,124 $7,167 4.74%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 510 $153,620,000 $301,216 $8,212 5.03%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 514 $145,880,000 $283,813 $6,164 4.68%
WILMINGTON, NC (FHA|USDA|VA) 371 $139,745,000 $376,671 $8,252 4.42%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 191 $130,915,000 $685,419 $10,244 4.46%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 343 $122,795,000 $358,003 $5,170 4.45%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 300 $119,390,000 $397,967 $7,413 4.76%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 462 $111,140,000 $240,563 $5,704 5.00%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 183 $110,155,000 $601,940 $9,257 4.39%
KANSAS CITY, MO-KS (FHA|USDA|VA) 363 $109,945,000 $302,879 $4,818 4.81%
PITTSBURGH, PA (FHA|USDA|VA) 453 $107,855,000 $238,091 $6,023 4.80%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 305 $106,365,000 $348,738 $7,593 4.84%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 159 $106,275,000 $668,396 $7,973 4.47%
JACKSONVILLE, FL (FHA|USDA|VA) 328 $96,920,000 $295,488 $7,558 4.51%
JACKSONVILLE, NC (FHA|USDA|VA) 399 $93,895,000 $235,326 $7,544 4.71%
BOULDER, CO (FHA|USDA|VA) 127 $83,995,000 $661,378 $5,040 4.60%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 263 $80,775,000 $307,129 $6,604 4.85%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 286 $80,080,000 $280,000 $7,998 4.65%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 292 $78,310,000 $268,185 $4,917 4.99%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 193 $76,455,000 $396,140 $7,903 4.69%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 164 $72,930,000 $444,695 $9,834 4.41%
OKLAHOMA CITY, OK (FHA|USDA|VA) 300 $72,710,000 $242,367 $6,363 4.92%
ASHEVILLE, NC (FHA|USDA|VA) 201 $69,265,000 $344,602 $5,940 4.94%
Bozeman, MT (FHA|USDA|VA) 119 $68,405,000 $574,832 $7,183 4.80%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 167 $66,185,000 $396,317 $5,294 4.72%
BAKERSFIELD, CA (FHA|USDA|VA) 240 $64,420,000 $268,417 $6,329 4.31%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 239 $63,985,000 $267,720 $7,820 5.12%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 108 $63,050,000 $583,796 $8,028 4.66%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 130 $62,670,000 $482,077 $5,769 4.67%
TUCSON, AZ (FHA|USDA|VA) 207 $62,595,000 $302,391 $5,978 4.56%
SALT LAKE CITY, UT (FHA|USDA|VA) 136 $62,060,000 $456,324 $7,259 4.61%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 154 $60,480,000 $392,727 $5,121 4.82%
SPRINGFIELD, MA (FHA|USDA|VA) 242 $59,950,000 $247,727 $6,672 4.59%
ANCHORAGE, AK (FHA|USDA|VA) 187 $59,925,000 $320,455 $7,601 4.72%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 97 $59,285,000 $611,186 $8,219 4.52%
EL PASO, TX (FHA|USDA|VA) 224 $56,350,000 $251,563 $7,457 4.97%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 125 $55,865,000 $446,920 $8,108 4.57%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 109 $54,665,000 $501,514 $6,154 4.47%
Hilo, HI (FHA|USDA|VA) 104 $54,640,000 $525,385 $9,367 4.66%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 195 $53,495,000 $274,333 $4,282 4.83%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 188 $53,000,000 $281,915 $8,235 4.64%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 127 $51,065,000 $402,087 $7,242 4.56%
FORT COLLINS, CO (FHA|USDA|VA) 114 $50,980,000 $447,193 $5,948 5.26%
St. Marys, GA (FHA|USDA|VA) 179 $49,025,000 $273,883 $7,748 4.61%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 195 $47,975,000 $246,026 $9,076 5.16%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 217 $47,615,000 $219,424 $5,836 4.63%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 178 $47,070,000 $264,438 $7,354 4.58%
VISALIA, CA (FHA|USDA|VA) 167 $46,585,000 $278,952 $8,535 4.08%
PROVO-OREM, UT (FHA|USDA|VA) 81 $45,595,000 $562,901 $7,097 4.40%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 152 $45,060,000 $296,447 $6,968 4.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 166 $44,580,000 $268,554 $7,227 5.47%
STOCKTON, CA (FHA|USDA|VA) 108 $43,340,000 $401,296 $7,019 3.93%
FAYETTEVILLE, NC (FHA|USDA|VA) 185 $42,595,000 $230,243 $6,646 4.73%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 185 $42,355,000 $228,946 $6,021 4.79%
VALLEJO, CA (FHA|USDA|VA) 103 $41,995,000 $407,718 $7,070 3.99%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 187 $41,865,000 $223,877 $6,042 4.90%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 125 $41,435,000 $331,480 $7,316 4.48%
NEW BERN, NC (FHA|USDA|VA) 187 $41,245,000 $220,561 $6,200 4.66%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 124 $41,230,000 $332,500 $6,936 4.95%
Kill Devil Hills, NC (FHA|USDA|VA) 84 $39,690,000 $472,500 $5,418 4.42%
GREEN BAY, WI (FHA|USDA|VA) 165 $38,475,000 $233,182 $3,721 4.60%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 87 $37,275,000 $428,448 $4,871 4.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 217 $37,215,000 $171,498 $5,678 4.22%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 100 $35,310,000 $353,100 $6,685 4.94%
WINSTON-SALEM, NC (FHA|USDA|VA) 134 $34,900,000 $260,448 $5,846 4.66%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 50 $34,550,000 $691,000 $7,797 4.31%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 116 $34,410,000 $296,638 $7,291 4.58%
FRESNO, CA (FHA|USDA|VA) 107 $34,195,000 $319,579 $7,352 4.44%
OCEAN CITY, NJ (FHA|USDA|VA) 63 $33,425,000 $530,556 $6,952 4.17%
SAVANNAH, GA (FHA|USDA|VA) 116 $32,820,000 $282,931 $7,219 4.99%
PORT ST. LUCIE, FL (FHA|USDA|VA) 93 $32,505,000 $349,516 $7,745 4.63%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 112 $32,270,000 $288,125 $5,815 4.60%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 115 $31,945,000 $277,783 $4,925 4.68%
COLUMBIA, SC (FHA|USDA|VA) 123 $31,785,000 $258,415 $6,510 4.64%
GREELEY, CO (FHA|USDA|VA) 74 $31,540,000 $426,216 $6,258 5.24%
SALINAS, CA (FHA|USDA|VA) 56 $31,110,000 $555,536 $10,256 4.00%
Hailey, ID (FHA|USDA|VA) 46 $30,360,000 $660,000 $8,882 4.25%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 102 $29,480,000 $289,020 $5,097 5.05%
ANN ARBOR, MI (FHA|USDA|VA) 84 $29,300,000 $348,810 $4,169 5.08%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 194 $28,350,000 $146,134 $4,600 4.96%
RENO, NV (FHA|USDA|VA) 64 $28,080,000 $438,750 $7,825 4.30%
BILLINGS, MT (FHA|USDA|VA) 82 $27,340,000 $333,415 $6,795 5.11%
Kapaa, HI (FHA|USDA|VA) 34 $27,060,000 $795,882 $15,872 4.70%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 97 $26,745,000 $275,722 $8,671 5.06%
APPLETON, WI (FHA|USDA|VA) 105 $26,505,000 $252,429 $4,273 5.07%
OCALA, FL (FHA|USDA|VA) 107 $26,175,000 $244,626 $6,725 4.65%
Georgetown, SC (FHA|USDA|VA) 72 $25,620,000 $355,833 $6,329 4.12%
LANCASTER, PA (FHA|USDA|VA) 97 $25,525,000 $263,144 $7,648 4.90%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 69 $25,215,000 $365,435 $7,651 4.48%
SIOUX FALLS, SD (FHA|USDA|VA) 91 $25,065,000 $275,440 $5,055 4.82%
Hudson, NY (FHA|USDA|VA) 70 $24,860,000 $355,143 $7,912 4.71%
BEND, OR (FHA|USDA|VA) 53 $24,725,000 $466,509 $7,131 4.72%
AKRON, OH (FHA|USDA|VA) 126 $24,720,000 $196,190 $5,296 5.09%
READING, PA (FHA|USDA|VA) 111 $24,385,000 $219,685 $7,915 4.99%
PUEBLO, CO (FHA|USDA|VA) 78 $24,350,000 $312,179 $7,478 4.36%
Helena, MT (FHA|USDA|VA) 61 $24,305,000 $398,443 $9,282 4.64%
BISMARCK, ND (FHA|USDA|VA) 89 $24,265,000 $272,640 $7,829 4.57%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 53 $23,725,000 $447,642 $7,053 3.92%
TULSA, OK (FHA|USDA|VA) 91 $23,615,000 $259,505 $6,635 5.02%
THE VILLAGES, FL (FHA|USDA|VA) 78 $23,570,000 $302,179 $5,146 4.44%
Whitewater, WI (FHA|USDA|VA) 90 $23,270,000 $258,556 $4,213 4.80%
ROCHESTER, MN (FHA|USDA|VA) 92 $23,220,000 $252,391 $5,605 4.80%
YORK-HANOVER, PA (FHA|USDA|VA) 89 $22,315,000 $250,730 $7,550 4.88%
WACO, TX (FHA|USDA|VA) 84 $22,230,000 $264,643 $7,713 5.05%
Torrington, CT (FHA|USDA|VA) 72 $22,210,000 $308,472 $7,450 4.62%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 105 $21,855,000 $208,143 $5,358 5.24%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 84 $21,850,000 $260,119 $7,640 5.39%
RICHMOND, VA (FHA|USDA|VA) 63 $21,825,000 $346,429 $6,154 4.45%
PUNTA GORDA, FL (FHA|USDA|VA) 74 $21,790,000 $294,459 $7,344 4.85%
CANTON-MASSILLON, OH (FHA|USDA|VA) 132 $21,500,000 $162,879 $4,614 5.03%
Truckee-Grass Valley, CA (FHA|USDA|VA) 38 $21,340,000 $561,579 $7,571 4.56%
Sandpoint, ID (FHA|USDA|VA) 46 $20,930,000 $455,000 $7,729 4.51%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 109 $20,835,000 $191,147 $6,379 5.08%
DAYTON-KETTERING, OH (FHA|USDA|VA) 102 $20,750,000 $203,431 $5,303 5.11%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 76 $20,570,000 $270,658 $7,824 4.52%
SALEM, OR (FHA|USDA|VA) 53 $20,465,000 $386,132 $8,365 4.96%
NILES, MI (FHA|USDA|VA) 71 $20,345,000 $286,549 $5,210 4.97%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 100 $20,330,000 $203,300 $8,076 5.05%
MODESTO, CA (FHA|USDA|VA) 64 $20,130,000 $314,531 $6,673 3.99%
CORPUS CHRISTI, TX (FHA|USDA|VA) 78 $20,020,000 $256,667 $6,801 4.41%
SALISBURY, MD-DE (FHA|USDA|VA) 55 $19,955,000 $362,818 $7,180 4.48%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 47 $19,935,000 $424,149 $6,338 4.96%
KNOXVILLE, TN (FHA|USDA|VA) 58 $19,150,000 $330,172 $6,124 4.86%
FLINT, MI (FHA|USDA|VA) 119 $19,085,000 $160,378 $4,982 5.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 69 $19,005,000 $275,435 $7,025 5.04%
MADISON, WI (FHA|USDA|VA) 59 $18,965,000 $321,441 $5,893 4.33%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 59 $18,765,000 $318,051 $4,891 4.45%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 117 $18,475,000 $157,906 $5,255 4.53%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 50 $18,190,000 $363,800 $7,350 4.79%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 55 $17,875,000 $325,000 $8,666 4.53%
TYLER, TX (FHA|USDA|VA) 69 $17,805,000 $258,043 $8,379 5.13%
SANTA FE, NM (FHA|USDA|VA) 39 $16,985,000 $435,513 $6,774 4.68%
WARNER ROBINS, GA (FHA|USDA|VA) 77 $16,675,000 $216,558 $6,139 5.17%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 35 $16,325,000 $466,429 $7,881 4.79%
SPARTANBURG, SC (FHA|USDA|VA) 62 $16,260,000 $262,258 $6,233 5.02%
NAPA, CA (FHA|USDA|VA) 18 $15,770,000 $876,111 $7,946 4.05%
FLORENCE, SC (FHA|USDA|VA) 77 $15,745,000 $204,481 $6,948 4.27%
Faribault-Northfield, MN (FHA|USDA|VA) 71 $15,235,000 $214,577 $5,788 4.58%
Heber, UT (FHA|USDA|VA) 19 $15,015,000 $790,263 $6,261 4.35%
HINESVILLE, GA (FHA|USDA|VA) 62 $14,970,000 $241,452 $6,595 5.07%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 52 $14,820,000 $285,000 $5,631 4.90%
RACINE, WI (FHA|USDA|VA) 52 $14,490,000 $278,654 $5,136 5.28%
Morehead City, NC (FHA|USDA|VA) 34 $14,300,000 $420,588 $7,263 4.65%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 29 $13,985,000 $482,241 $6,563 4.65%
SPRINGFIELD, MO (FHA|USDA|VA) 65 $13,955,000 $214,692 $5,741 4.93%
LONGVIEW, TX (FHA|USDA|VA) 61 $13,915,000 $228,115 $8,757 5.28%
MISSOULA, MT (FHA|USDA|VA) 34 $13,680,000 $402,353 $7,652 5.02%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 63 $13,475,000 $213,889 $5,574 4.49%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 53 $13,165,000 $248,396 $4,858 4.90%
PEORIA, IL (FHA|USDA|VA) 80 $13,140,000 $164,250 $4,781 4.66%
Lebanon, NH-VT (FHA|USDA|VA) 38 $13,120,000 $345,263 $5,701 4.80%
Ottawa, IL (FHA|USDA|VA) 73 $12,915,000 $176,918 $5,330 4.90%
Jackson, WY-ID (FHA|USDA|VA) 22 $12,610,000 $573,182 $4,541 2.96%
SHERMAN-DENISON, TX (FHA|USDA|VA) 44 $12,570,000 $285,682 $9,545 5.44%
Jefferson, GA (FHA|USDA|VA) 43 $12,565,000 $292,209 $7,439 5.02%
EAST STROUDSBURG, PA (FHA|USDA|VA) 49 $12,535,000 $255,816 $7,571 4.59%
Chillicothe, OH (FHA|USDA|VA) 65 $12,445,000 $191,462 $4,656 5.67%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 35 $12,225,000 $349,286 $6,773 4.21%
ROCKFORD, IL (FHA|USDA|VA) 92 $12,180,000 $132,391 $5,385 5.23%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 74 $12,100,000 $163,514 $5,261 4.47%
Sevierville, TN (FHA|USDA|VA) 26 $11,810,000 $454,231 $10,039 4.66%
Edwards, CO (FHA|USDA|VA) 16 $11,600,000 $725,000 $7,854 4.41%
Minot, ND (FHA|USDA|VA) 53 $11,595,000 $218,774 $5,761 4.96%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 39 $11,505,000 $295,000 $5,029 5.30%
ROANOKE, VA (FHA|USDA|VA) 45 $11,475,000 $255,000 $6,464 5.15%
Albert Lea, MN (FHA|USDA|VA) 72 $11,410,000 $158,472 $5,586 4.35%
PANAMA CITY, FL (FHA|USDA|VA) 43 $11,265,000 $261,977 $7,601 5.12%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 34 $11,180,000 $328,824 $5,940 5.35%
GAINESVILLE, FL (FHA|USDA|VA) 51 $10,885,000 $213,431 $6,338 4.81%
LOUISVILLE, KY (FHA|USDA|VA) 37 $10,705,000 $289,324 $4,844 4.43%
FARGO, ND-MN (FHA|USDA|VA) 40 $10,490,000 $262,250 $7,674 4.87%
JOHNSON CITY, TN (FHA|USDA|VA) 45 $10,485,000 $233,000 $5,807 4.72%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 43 $10,345,000 $240,581 $6,600 5.49%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 30 $10,310,000 $343,667 $7,670 4.19%
YUBA CITY, CA (FHA|USDA|VA) 24 $10,290,000 $428,750 $6,673 4.08%
KANKAKEE, IL (FHA|USDA|VA) 54 $10,290,000 $190,556 $6,012 4.73%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 33 $10,215,000 $309,545 $6,009 5.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 40 $10,180,000 $254,500 $5,422 4.92%
ROCKY MOUNT, NC (FHA|USDA|VA) 50 $10,090,000 $201,800 $7,554 4.11%
BATON ROUGE, LA (FHA|USDA|VA) 45 $10,075,000 $223,889 $8,128 5.31%
GAINESVILLE, GA (FHA|USDA|VA) 30 $9,760,000 $325,333 $7,521 4.68%
Concord, NH (FHA|USDA|VA) 31 $9,725,000 $313,710 $5,465 4.78%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 50 $9,690,000 $193,800 $5,439 4.54%
KINGSTON, NY (FHA|USDA|VA) 30 $9,520,000 $317,333 $8,432 4.50%
Marshalltown, IA (FHA|USDA|VA) 67 $9,495,000 $141,716 $4,321 4.99%
BRUNSWICK, GA (FHA|USDA|VA) 32 $9,420,000 $294,375 $7,114 4.51%
Clearlake, CA (FHA|USDA|VA) 30 $9,390,000 $313,000 $5,914 4.68%
Duncan, OK (FHA|USDA|VA) 48 $8,890,000 $185,208 $5,179 5.01%
Garden City, KS (FHA|USDA|VA) 39 $8,745,000 $224,231 $5,897 5.05%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 41 $8,735,000 $213,049 $4,404 5.04%
Kalispell, MT (FHA|USDA|VA) 20 $8,730,000 $436,500 $7,727 4.55%
DOVER, DE (FHA|USDA|VA) 30 $8,700,000 $290,000 $7,049 4.76%
YUMA, AZ (FHA|USDA|VA) 33 $8,675,000 $262,879 $5,542 4.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 39 $8,625,000 $221,154 $6,817 5.17%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 29 $8,605,000 $296,724 $5,358 4.45%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 26 $8,440,000 $324,615 $4,779 5.08%
BURLINGTON, NC (FHA|USDA|VA) 28 $8,330,000 $297,500 $6,303 4.87%
HUNTSVILLE, AL (FHA|USDA|VA) 28 $8,260,000 $295,000 $5,573 4.57%
Red Wing, MN (FHA|USDA|VA) 33 $8,195,000 $248,333 $5,326 4.67%
Outside of Metro Areas 19 $8,085,000 $425,526 $8,381 4.43%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 35 $8,065,000 $230,429 $5,139 5.13%
Statesboro, GA (FHA|USDA|VA) 43 $8,045,000 $187,093 $5,868 4.84%
Waycross, GA (FHA|USDA|VA) 44 $7,940,000 $180,455 $5,603 4.86%
CARBONDALE-MARION, IL (FHA|USDA|VA) 51 $7,935,000 $155,588 $4,723 5.03%
Laconia, NH (FHA|USDA|VA) 17 $7,745,000 $455,588 $5,554 4.99%
Weatherford, OK (FHA|USDA|VA) 32 $7,700,000 $240,625 $4,947 4.86%
LAFAYETTE, LA (FHA|USDA|VA) 40 $7,690,000 $192,250 $6,180 4.85%
MERCED, CA (FHA|USDA|VA) 23 $7,675,000 $333,696 $8,726 4.47%
BLOOMINGTON, IL (FHA|USDA|VA) 37 $7,435,000 $200,946 $3,941 5.04%
Williston, ND (FHA|USDA|VA) 26 $7,170,000 $275,769 $7,486 4.81%
LONGVIEW, WA (FHA|USDA|VA) 20 $7,140,000 $357,000 $7,629 4.58%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 33 $7,085,000 $214,697 $5,625 4.92%
Steamboat Springs, CO (FHA|USDA|VA) 7 $7,015,000 $1,002,143 $6,264 4.41%
Cullowhee, NC (FHA|USDA|VA) 8 $6,740,000 $842,500 $10,184 4.68%
Brainerd, MN (FHA|USDA|VA) 18 $6,630,000 $368,333 $9,074 4.73%
PITTSFIELD, MA (FHA|USDA|VA) 23 $6,615,000 $287,609 $5,626 4.64%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 27 $6,595,000 $244,259 $9,014 4.43%
Breckenridge, CO (FHA|USDA|VA) 7 $6,525,000 $932,143 $7,886 4.55%
TOLEDO, OH (FHA|USDA|VA) 34 $6,420,000 $188,824 $5,931 5.57%
Holland, MI (FHA|USDA|VA) 19 $6,415,000 $337,632 $4,466 5.15%
Easton, MD (FHA|USDA|VA) 15 $6,385,000 $425,667 $7,593 4.40%
GREAT FALLS, MT (FHA|USDA|VA) 24 $6,280,000 $261,667 $7,638 5.91%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 33 $6,195,000 $187,727 $5,136 5.22%
Owatonna, MN (FHA|USDA|VA) 34 $6,190,000 $182,059 $6,233 4.97%
Norfolk, NE (FHA|USDA|VA) 33 $6,185,000 $187,424 $5,837 4.76%
ERIE, PA (FHA|USDA|VA) 28 $6,110,000 $218,214 $6,325 5.10%
DULUTH, MN-WI (FHA|USDA|VA) 29 $6,025,000 $207,759 $5,986 5.45%
Vineyard Haven, MA (FHA|USDA|VA) 8 $5,960,000 $745,000 $6,153 4.75%
CHICO, CA (FHA|USDA|VA) 19 $5,935,000 $312,368 $3,931 4.30%
MIDLAND, TX (FHA|USDA|VA) 20 $5,900,000 $295,000 $9,223 5.17%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 35 $5,895,000 $168,429 $6,289 4.90%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 37 $5,735,000 $155,000 $4,863 4.73%
Gardnerville Ranchos, NV (FHA|USDA|VA) 9 $5,665,000 $629,444 $6,451 3.88%
Pahrump, NV (FHA|USDA|VA) 19 $5,655,000 $297,632 $9,452 5.77%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 19 $5,595,000 $294,474 $8,968 4.86%
MADERA, CA (FHA|USDA|VA) 15 $5,495,000 $366,333 $9,334 4.44%
GLENS FALLS, NY (FHA|USDA|VA) 29 $5,465,000 $188,448 $8,181 5.10%
GREENVILLE, NC (FHA|USDA|VA) 22 $5,310,000 $241,364 $5,382 4.51%
ST. CLOUD, MN (FHA|USDA|VA) 25 $5,275,000 $211,000 $6,321 4.20%
Ellensburg, WA (FHA|USDA|VA) 11 $5,195,000 $472,273 $7,465 4.81%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 23 $5,195,000 $225,870 $4,967 4.75%
FORT WAYNE, IN (FHA|USDA|VA) 25 $5,185,000 $207,400 $2,829 4.23%
LAS CRUCES, NM (FHA|USDA|VA) 22 $5,060,000 $230,000 $7,616 5.22%
Athens, TX (FHA|USDA|VA) 15 $5,055,000 $337,000 $7,916 4.68%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 19 $5,035,000 $265,000 $5,602 5.25%
ODESSA, TX (FHA|USDA|VA) 20 $4,950,000 $247,500 $8,847 5.73%
TALLAHASSEE, FL (FHA|USDA|VA) 23 $4,875,000 $211,957 $7,312 4.15%
SUMTER, SC (FHA|USDA|VA) 29 $4,815,000 $166,034 $6,381 3.79%
Ukiah, CA (FHA|USDA|VA) 11 $4,755,000 $432,273 $6,697 4.33%
Wooster, OH (FHA|USDA|VA) 21 $4,695,000 $223,571 $6,745 5.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 16 $4,650,000 $290,625 $6,326 5.11%
SYRACUSE, NY (FHA|USDA|VA) 18 $4,650,000 $258,333 $6,928 5.34%
FLAGSTAFF, AZ (FHA|USDA|VA) 10 $4,640,000 $464,000 $8,221 4.65%
Effingham, IL (FHA|USDA|VA) 21 $4,515,000 $215,000 $4,153 5.07%
Show Low, AZ (FHA|USDA|VA) 18 $4,440,000 $246,667 $6,615 4.19%
AMARILLO, TX (FHA|USDA|VA) 17 $4,375,000 $257,353 $6,228 4.49%
MUSKEGON, MI (FHA|USDA|VA) 13 $4,325,000 $332,692 $4,895 4.37%
COLUMBUS, GA-AL (FHA|USDA|VA) 20 $4,300,000 $215,000 $9,149 4.98%
Lewisburg, TN (FHA|USDA|VA) 15 $4,295,000 $286,333 $6,600 5.38%
LYNCHBURG, VA (FHA|USDA|VA) 19 $4,285,000 $225,526 $7,423 4.78%
Granbury, TX (FHA|USDA|VA) 14 $4,200,000 $300,000 $9,904 5.20%
Marion, NC (FHA|USDA|VA) 13 $4,195,000 $322,692 $5,395 5.29%
Enterprise, AL (FHA|USDA|VA) 16 $4,180,000 $261,250 $7,277 4.72%
Sonora, CA (FHA|USDA|VA) 12 $4,150,000 $345,833 $6,132 4.58%
Glenwood Springs, CO (FHA|USDA|VA) 4 $4,130,000 $1,032,500 $4,488 5.22%
BATTLE CREEK, MI (FHA|USDA|VA) 30 $4,110,000 $137,000 $5,136 5.45%
Cambridge, MD (FHA|USDA|VA) 15 $4,095,000 $273,000 $6,923 4.46%
Durant, OK (FHA|USDA|VA) 21 $4,065,000 $193,571 $7,740 5.24%
Richmond-Berea, KY (FHA|USDA|VA) 17 $4,055,000 $238,529 $5,310 5.17%
WINCHESTER, VA-WV (FHA|USDA|VA) 12 $4,010,000 $334,167 $8,653 4.18%
WICHITA, KS (FHA|USDA|VA) 18 $3,840,000 $213,333 $4,433 5.49%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 20 $3,820,000 $191,000 $5,284 4.88%
Oak Harbor, WA (FHA|USDA|VA) 9 $3,795,000 $421,667 $5,503 5.48%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 12 $3,780,000 $315,000 $6,894 4.54%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 15 $3,755,000 $250,333 $7,174 4.57%
Austin, MN (FHA|USDA|VA) 26 $3,730,000 $143,462 $5,569 4.98%
Cookeville, TN (FHA|USDA|VA) 12 $3,720,000 $310,000 $5,970 4.79%
GRAND JUNCTION, CO (FHA|USDA|VA) 12 $3,690,000 $307,500 $4,062 4.75%
Watertown, SD (FHA|USDA|VA) 15 $3,505,000 $233,667 $5,407 5.46%
Key West, FL (FHA|USDA|VA) 6 $3,490,000 $581,667 $4,861 4.06%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 18 $3,470,000 $192,778 $6,947 4.82%
MOBILE, AL (FHA|USDA|VA) 18 $3,450,000 $191,667 $6,190 4.87%
LAWTON, OK (FHA|USDA|VA) 21 $3,445,000 $164,048 $5,388 5.24%
ROCHESTER, NY (FHA|USDA|VA) 19 $3,415,000 $179,737 $5,140 4.48%
MANHATTAN, KS (FHA|USDA|VA) 15 $3,405,000 $227,000 $6,041 4.51%
Tullahoma-Manchester, TN (FHA|USDA|VA) 10 $3,370,000 $337,000 $5,531 5.13%
Forest City, NC (FHA|USDA|VA) 9 $3,365,000 $373,889 $9,900 5.36%
Shelbyville, TN (FHA|USDA|VA) 12 $3,330,000 $277,500 $5,430 4.87%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 16 $3,290,000 $205,625 $6,582 4.02%
WAUSAU-WESTON, WI (FHA|USDA|VA) 16 $3,280,000 $205,000 $4,238 5.45%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 8 $3,250,000 $406,250 $10,572 5.03%
MONROE, MI (FHA|USDA|VA) 14 $3,240,000 $231,429 $6,163 5.33%
Moses Lake, WA (FHA|USDA|VA) 9 $3,225,000 $358,333 $7,137 5.11%
Lake City, FL (FHA|USDA|VA) 18 $3,220,000 $178,889 $8,515 4.79%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 13 $3,205,000 $246,538 $4,076 4.67%
MEDFORD, OR (FHA|USDA|VA) 9 $3,195,000 $355,000 $6,146 4.60%
Riverton, WY (FHA|USDA|VA) 11 $3,185,000 $289,545 $7,007 5.22%
ABILENE, TX (FHA|USDA|VA) 14 $3,130,000 $223,571 $6,579 5.18%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 8 $3,080,000 $385,000 $5,326 4.56%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 18 $3,080,000 $171,111 $4,483 4.51%
FAIRBANKS, AK (FHA|USDA|VA) 10 $3,050,000 $305,000 $8,090 4.80%
Durango, CO (FHA|USDA|VA) 6 $2,960,000 $493,333 $3,729 4.53%
Plymouth, IN (FHA|USDA|VA) 18 $2,960,000 $164,444 $4,494 4.03%
UTICA-ROME, NY (FHA|USDA|VA) 20 $2,940,000 $147,000 $7,153 4.38%
Sanford, NC (FHA|USDA|VA) 14 $2,930,000 $209,286 $5,856 4.77%
MONTGOMERY, AL (FHA|USDA|VA) 12 $2,910,000 $242,500 $8,849 4.59%
Washington Court House, OH (FHA|USDA|VA) 15 $2,885,000 $192,333 $5,863 5.80%
MORRISTOWN, TN (FHA|USDA|VA) 15 $2,865,000 $191,000 $5,316 3.87%
Adrian, MI (FHA|USDA|VA) 10 $2,860,000 $286,000 $4,684 5.11%
Clovis, NM (FHA|USDA|VA) 14 $2,840,000 $202,857 $7,449 5.51%
Huntsville, TX (FHA|USDA|VA) 10 $2,840,000 $284,000 $9,092 4.66%
Augusta-Waterville, ME (FHA|USDA|VA) 9 $2,785,000 $309,444 $4,128 5.41%
Seneca, SC (FHA|USDA|VA) 6 $2,700,000 $450,000 $5,313 5.02%
Keene, NH (FHA|USDA|VA) 9 $2,675,000 $297,222 $5,224 5.02%
ST. GEORGE, UT (FHA|USDA|VA) 6 $2,670,000 $445,000 $5,904 4.89%
AMES, IA (FHA|USDA|VA) 12 $2,610,000 $217,500 $5,196 4.84%
FOND DU LAC, WI (FHA|USDA|VA) 10 $2,580,000 $258,000 $6,703 5.04%
EAU CLAIRE, WI (FHA|USDA|VA) 11 $2,575,000 $234,091 $5,954 5.30%
MANKATO, MN (FHA|USDA|VA) 13 $2,565,000 $197,308 $5,924 4.63%
Fernley, NV (FHA|USDA|VA) 7 $2,555,000 $365,000 $6,816 4.54%
Marion, IN (FHA|USDA|VA) 17 $2,525,000 $148,529 $3,415 4.12%
STAUNTON, VA (FHA|USDA|VA) 7 $2,505,000 $357,857 $7,730 4.69%
Greeneville, TN (FHA|USDA|VA) 10 $2,490,000 $249,000 $5,381 4.57%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 9 $2,465,000 $273,889 $11,436 3.99%
Rutland, VT (FHA|USDA|VA) 9 $2,455,000 $272,778 $7,275 5.63%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 11 $2,435,000 $221,364 $7,630 5.45%
Stevens Point, WI (FHA|USDA|VA) 10 $2,410,000 $241,000 $3,290 5.11%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 8 $2,400,000 $300,000 $4,865 5.05%
Pottsville, PA (FHA|USDA|VA) 16 $2,370,000 $148,125 $6,631 4.95%
Rockport, TX (FHA|USDA|VA) 8 $2,360,000 $295,000 $8,053 4.28%
Montrose, CO (FHA|USDA|VA) 4 $2,360,000 $590,000 $5,884 4.70%
GRAND FORKS, ND-MN (FHA|USDA|VA) 10 $2,340,000 $234,000 $6,270 5.31%
Cañon City, CO (FHA|USDA|VA) 7 $2,335,000 $333,571 $4,944 5.74%
PINE BLUFF, AR (FHA|USDA|VA) 20 $2,330,000 $116,500 $6,853 5.98%
Salem, OH (FHA|USDA|VA) 13 $2,325,000 $178,846 $5,081 5.87%
WICHITA FALLS, TX (FHA|USDA|VA) 10 $2,310,000 $231,000 $5,946 4.80%
Elizabeth City, NC (FHA|USDA|VA) 9 $2,305,000 $256,111 $6,314 4.95%
Wilson, NC (FHA|USDA|VA) 14 $2,300,000 $164,286 $6,031 4.53%
BELLINGHAM, WA (FHA|USDA|VA) 6 $2,300,000 $383,333 $4,334 4.55%
Newport, OR (FHA|USDA|VA) 5 $2,255,000 $451,000 $8,589 4.48%
Prineville, OR (FHA|USDA|VA) 5 $2,245,000 $449,000 $13,322 4.95%
WENATCHEE, WA (FHA|USDA|VA) 5 $2,245,000 $449,000 $6,570 4.24%
IDAHO FALLS, ID (FHA|USDA|VA) 7 $2,215,000 $316,429 $9,205 4.70%
GRANTS PASS, OR (FHA|USDA|VA) 7 $2,195,000 $313,571 $10,183 4.79%
LUBBOCK, TX (FHA|USDA|VA) 11 $2,185,000 $198,636 $6,943 5.08%
Rochelle, IL (FHA|USDA|VA) 14 $2,180,000 $155,714 $4,525 3.82%
Beaver Dam, WI (FHA|USDA|VA) 10 $2,150,000 $215,000 $4,980 5.67%
VALDOSTA, GA (FHA|USDA|VA) 9 $2,145,000 $238,333 $8,206 4.17%
Charleston-Mattoon, IL (FHA|USDA|VA) 15 $2,115,000 $141,000 $4,820 5.86%
Albemarle, NC (FHA|USDA|VA) 7 $2,095,000 $299,286 $6,225 5.03%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 8 $2,070,000 $258,750 $4,229 4.25%
Alamogordo, NM (FHA|USDA|VA) 12 $2,040,000 $170,000 $4,900 4.66%
Kinston, NC (FHA|USDA|VA) 8 $2,040,000 $255,000 $5,834 5.06%
Coos Bay, OR (FHA|USDA|VA) 6 $2,040,000 $340,000 $8,076 5.31%
Fort Leonard Wood, MO (FHA|USDA|VA) 9 $2,035,000 $226,111 $6,391 5.42%
Eureka-Arcata, CA (FHA|USDA|VA) 7 $2,035,000 $290,714 $5,056 4.71%
Ashtabula, OH (FHA|USDA|VA) 14 $2,020,000 $144,286 $5,631 4.59%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 6 $2,020,000 $336,667 $7,510 5.04%
Sturgis, MI (FHA|USDA|VA) 11 $1,965,000 $178,636 $5,674 5.04%
CORVALLIS, OR (FHA|USDA|VA) 4 $1,960,000 $490,000 $5,675 4.67%
COLUMBIA, MO (FHA|USDA|VA) 10 $1,950,000 $195,000 $3,425 4.96%
LOGAN, UT-ID (FHA|USDA|VA) 6 $1,940,000 $323,333 $5,057 4.77%
CHEYENNE, WY (FHA|USDA|VA) 6 $1,930,000 $321,667 $7,446 5.26%
GOLDSBORO, NC (FHA|USDA|VA) 8 $1,930,000 $241,250 $5,330 4.91%
New Ulm, MN (FHA|USDA|VA) 17 $1,905,000 $112,059 $5,292 4.94%
Manitowoc, WI (FHA|USDA|VA) 11 $1,895,000 $172,273 $3,404 5.18%
Shawano, WI (FHA|USDA|VA) 8 $1,880,000 $235,000 $4,133 4.91%
Fergus Falls, MN (FHA|USDA|VA) 5 $1,865,000 $373,000 $9,831 5.55%
Vincennes, IN (FHA|USDA|VA) 14 $1,860,000 $132,857 $4,413 4.91%
ALBANY-LEBANON, OR (FHA|USDA|VA) 5 $1,855,000 $371,000 $5,450 4.66%
Jacksonville, TX (FHA|USDA|VA) 6 $1,830,000 $305,000 $7,671 5.30%
Traverse City, MI (FHA|USDA|VA) 6 $1,800,000 $300,000 $4,501 4.58%
Woodward, OK (FHA|USDA|VA) 11 $1,795,000 $163,182 $5,280 5.07%
Roseburg, OR (FHA|USDA|VA) 7 $1,785,000 $255,000 $4,985 4.79%
SPRINGFIELD, OH (FHA|USDA|VA) 9 $1,785,000 $198,333 $6,375 4.67%
Mineral Wells, TX (FHA|USDA|VA) 6 $1,760,000 $293,333 $6,602 4.58%
Centralia, WA (FHA|USDA|VA) 5 $1,755,000 $351,000 $8,570 4.90%
Butte-Silver Bow, MT (FHA|USDA|VA) 5 $1,745,000 $349,000 $5,616 4.33%
Payson, AZ (FHA|USDA|VA) 6 $1,740,000 $290,000 $4,630 3.95%
Milledgeville, GA (FHA|USDA|VA) 8 $1,730,000 $216,250 $9,127 5.17%
Cornelia, GA (FHA|USDA|VA) 7 $1,725,000 $246,429 $7,292 4.29%
Astoria, OR (FHA|USDA|VA) 4 $1,720,000 $430,000 $6,999 5.04%
Fredericksburg, TX (FHA|USDA|VA) 3 $1,715,000 $571,667 $6,534 3.75%
TUSCALOOSA, AL (FHA|USDA|VA) 9 $1,705,000 $189,444 $5,087 4.82%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 6 $1,690,000 $281,667 $4,706 4.35%
Boone, NC (FHA|USDA|VA) 6 $1,690,000 $281,667 $3,777 4.33%
DOTHAN, AL (FHA|USDA|VA) 7 $1,685,000 $240,714 $7,657 4.94%
Warsaw, IN (FHA|USDA|VA) 11 $1,675,000 $152,273 $3,722 4.68%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 5 $1,675,000 $335,000 $4,987 3.97%
REDDING, CA (FHA|USDA|VA) 8 $1,670,000 $208,750 $2,794 3.58%
Gainesville, TX (FHA|USDA|VA) 7 $1,665,000 $237,857 $9,766 4.96%
SHEBOYGAN, WI (FHA|USDA|VA) 7 $1,655,000 $236,429 $3,291 4.43%
Shelton, WA (FHA|USDA|VA) 4 $1,650,000 $412,500 $7,568 5.03%
FORT SMITH, AR-OK (FHA|USDA|VA) 5 $1,645,000 $329,000 $8,538 4.77%
Calhoun, GA (FHA|USDA|VA) 6 $1,630,000 $271,667 $5,944 5.80%
Dixon, IL (FHA|USDA|VA) 12 $1,620,000 $135,000 $4,765 4.72%
SPRINGFIELD, IL (FHA|USDA|VA) 9 $1,615,000 $179,444 $3,098 5.32%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 8 $1,610,000 $201,250 $5,211 4.30%
JACKSON, MS (FHA|USDA|VA) 8 $1,590,000 $198,750 $2,125 4.67%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $1,585,000 $528,333 $4,522 4.11%
Cadillac, MI (FHA|USDA|VA) 4 $1,580,000 $395,000 $5,160 4.49%
ALBANY, GA (FHA|USDA|VA) 9 $1,575,000 $175,000 $4,774 4.69%
Dodge City, KS (FHA|USDA|VA) 6 $1,550,000 $258,333 $8,278 5.50%
LAKE CHARLES, LA (FHA|USDA|VA) 6 $1,550,000 $258,333 $7,389 4.63%
WALLA WALLA, WA (FHA|USDA|VA) 4 $1,540,000 $385,000 $6,540 4.73%
Meadville, PA (FHA|USDA|VA) 10 $1,540,000 $154,000 $4,825 5.06%
Shelby, NC (FHA|USDA|VA) 7 $1,525,000 $217,857 $5,578 4.79%
Taos, NM (FHA|USDA|VA) 4 $1,520,000 $380,000 $6,126 3.81%
Sedalia, MO (FHA|USDA|VA) 8 $1,500,000 $187,500 $3,045 5.26%
Wilmington, OH (FHA|USDA|VA) 6 $1,480,000 $246,667 $6,839 5.35%
Baraboo, WI (FHA|USDA|VA) 6 $1,470,000 $245,000 $6,009 4.88%
Fort Morgan, CO (FHA|USDA|VA) 5 $1,465,000 $293,000 $4,363 5.02%
Barre, VT (FHA|USDA|VA) 4 $1,430,000 $357,500 $3,836 3.34%
SAGINAW, MI (FHA|USDA|VA) 13 $1,425,000 $109,615 $5,174 5.05%
CLEVELAND, TN (FHA|USDA|VA) 5 $1,425,000 $285,000 $4,593 5.46%
Aberdeen, WA (FHA|USDA|VA) 6 $1,420,000 $236,667 $6,868 4.50%
Somerset, PA (FHA|USDA|VA) 7 $1,375,000 $196,429 $7,861 5.66%
Hutchinson, MN (FHA|USDA|VA) 6 $1,360,000 $226,667 $6,429 4.33%
Pontiac, IL (FHA|USDA|VA) 10 $1,360,000 $136,000 $6,337 4.58%
Mountain Home, ID (FHA|USDA|VA) 3 $1,355,000 $451,667 $12,687 4.96%
COLUMBUS, IN (FHA|USDA|VA) 6 $1,350,000 $225,000 $4,614 4.96%
Nacogdoches, TX (FHA|USDA|VA) 5 $1,345,000 $269,000 $5,773 5.19%
Brevard, NC (FHA|USDA|VA) 5 $1,345,000 $269,000 $11,348 4.30%
Las Vegas, NM (FHA|USDA|VA) 1 $1,345,000 $1,345,000 $11,629 3.25%
YAKIMA, WA (FHA|USDA|VA) 4 $1,340,000 $335,000 $5,343 4.28%
DECATUR, AL (FHA|USDA|VA) 4 $1,330,000 $332,500 $4,379 5.62%
EL CENTRO, CA (FHA|USDA|VA) 6 $1,310,000 $218,333 $2,182 3.31%
Frankfort, KY (FHA|USDA|VA) 6 $1,310,000 $218,333 $6,532 4.84%
Mount Pleasant, TX (FHA|USDA|VA) 5 $1,295,000 $259,000 $8,162 5.07%
Findlay, OH (FHA|USDA|VA) 5 $1,285,000 $257,000 $5,750 5.05%
Willmar, MN (FHA|USDA|VA) 5 $1,275,000 $255,000 $4,107 4.44%
Newberry, SC (FHA|USDA|VA) 2 $1,270,000 $635,000 $19,304 5.00%
LEBANON, PA (FHA|USDA|VA) 6 $1,260,000 $210,000 $9,591 4.74%
DUBUQUE, IA (FHA|USDA|VA) 3 $1,235,000 $411,667 $3,600 4.54%
JACKSON, MI (FHA|USDA|VA) 7 $1,235,000 $176,429 $3,576 4.77%
Corsicana, TX (FHA|USDA|VA) 3 $1,235,000 $411,667 $11,489 4.83%
RAPID CITY, SD (FHA|USDA|VA) 5 $1,225,000 $245,000 $5,801 5.24%
Palestine, TX (FHA|USDA|VA) 4 $1,220,000 $305,000 $16,501 4.81%
Lufkin, TX (FHA|USDA|VA) 6 $1,220,000 $203,333 $5,308 4.13%
Jesup, GA (FHA|USDA|VA) 6 $1,220,000 $203,333 $4,872 4.76%
Cullman, AL (FHA|USDA|VA) 2 $1,220,000 $610,000 $2,969 4.78%
CEDAR RAPIDS, IA (FHA|USDA|VA) 7 $1,215,000 $173,571 $6,725 4.82%
Bennington, VT (FHA|USDA|VA) 3 $1,215,000 $405,000 $4,807 3.63%
Worthington, MN (FHA|USDA|VA) 9 $1,195,000 $132,778 $5,427 5.02%
Brenham, TX (FHA|USDA|VA) 4 $1,190,000 $297,500 $9,398 4.07%
GETTYSBURG, PA (FHA|USDA|VA) 5 $1,185,000 $237,000 $8,442 5.17%
TERRE HAUTE, IN (FHA|USDA|VA) 5 $1,185,000 $237,000 $4,840 4.85%
Carlsbad-Artesia, NM (FHA|USDA|VA) 4 $1,180,000 $295,000 $5,306 5.69%
Crossville, TN (FHA|USDA|VA) 4 $1,170,000 $292,500 $8,112 4.46%
Vidalia, GA (FHA|USDA|VA) 6 $1,170,000 $195,000 $2,417 4.75%
Wabash, IN (FHA|USDA|VA) 6 $1,170,000 $195,000 $6,035 4.95%
HAMMOND, LA (FHA|USDA|VA) 5 $1,165,000 $233,000 $5,056 4.53%
Farmington, MO (FHA|USDA|VA) 4 $1,160,000 $290,000 $5,930 4.84%
Stephenville, TX (FHA|USDA|VA) 4 $1,160,000 $290,000 $8,006 5.00%
POCATELLO, ID (FHA|USDA|VA) 3 $1,155,000 $385,000 $7,043 5.61%
LINCOLN, NE (FHA|USDA|VA) 5 $1,155,000 $231,000 $3,709 5.31%
Orangeburg, SC (FHA|USDA|VA) 3 $1,155,000 $385,000 $9,321 5.08%
Marshall, MN (FHA|USDA|VA) 8 $1,150,000 $143,750 $3,081 4.41%
IOWA CITY, IA (FHA|USDA|VA) 3 $1,145,000 $381,667 $2,025 3.58%
JOPLIN, MO (FHA|USDA|VA) 4 $1,130,000 $282,500 $4,397 4.15%
Fallon, NV (FHA|USDA|VA) 4 $1,110,000 $277,500 $5,744 4.53%
Port Angeles, WA (FHA|USDA|VA) 2 $1,110,000 $555,000 $10,717 5.37%
Ontario, OR-ID (FHA|USDA|VA) 4 $1,110,000 $277,500 $6,913 4.53%
Bonham, TX (FHA|USDA|VA) 4 $1,110,000 $277,500 $9,860 5.09%
Menomonie, WI (FHA|USDA|VA) 5 $1,105,000 $221,000 $5,356 4.97%
Madisonville, KY (FHA|USDA|VA) 6 $1,080,000 $180,000 $5,855 5.29%
Searcy, AR (FHA|USDA|VA) 6 $1,070,000 $178,333 $6,092 5.04%
Hood River, OR (FHA|USDA|VA) 2 $1,060,000 $530,000 $6,764 6.18%
Cedar City, UT (FHA|USDA|VA) 4 $1,040,000 $260,000 $4,317 5.51%
Coldwater, MI (FHA|USDA|VA) 6 $1,030,000 $171,667 $5,019 4.90%
Danville, KY (FHA|USDA|VA) 4 $1,030,000 $257,500 $6,845 5.58%
Alexandria, MN (FHA|USDA|VA) 4 $1,030,000 $257,500 $5,082 3.58%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $1,025,000 $341,667 $6,513 4.88%
KOKOMO, IN (FHA|USDA|VA) 7 $1,025,000 $146,429 $3,581 5.25%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $1,020,000 $510,000 $10,859 4.93%
Ashland, OH (FHA|USDA|VA) 8 $1,020,000 $127,500 $4,234 3.99%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 5 $1,015,000 $203,000 $3,675 5.09%
Grand Rapids, MN (FHA|USDA|VA) 5 $995,000 $199,000 $6,361 5.06%
TOPEKA, KS (FHA|USDA|VA) 4 $990,000 $247,500 $6,650 5.20%
Klamath Falls, OR (FHA|USDA|VA) 2 $990,000 $495,000 $4,174 5.63%
JACKSON, TN (FHA|USDA|VA) 5 $985,000 $197,000 $3,015 4.93%
HARRISONBURG, VA (FHA|USDA|VA) 2 $980,000 $490,000 $5,993 4.99%
Mount Sterling, KY (FHA|USDA|VA) 4 $980,000 $245,000 $4,297 5.19%
Stillwater, OK (FHA|USDA|VA) 4 $960,000 $240,000 $6,125 4.48%
Shawnee, OK (FHA|USDA|VA) 5 $955,000 $191,000 $7,841 4.63%
Gillette, WY (FHA|USDA|VA) 3 $955,000 $318,333 $7,383 5.53%
TWIN FALLS, ID (FHA|USDA|VA) 2 $950,000 $475,000 $5,453 4.45%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 5 $945,000 $189,000 $3,765 5.03%
Kerrville, TX (FHA|USDA|VA) 3 $935,000 $311,667 $5,220 3.50%
SAN ANGELO, TX (FHA|USDA|VA) 4 $930,000 $232,500 $9,642 4.25%
Centralia, IL (FHA|USDA|VA) 6 $930,000 $155,000 $4,844 5.77%
New Castle, IN (FHA|USDA|VA) 5 $925,000 $185,000 $5,364 5.18%
Wahpeton, ND-MN (FHA|USDA|VA) 3 $925,000 $308,333 $5,006 5.54%
Fort Payne, AL (FHA|USDA|VA) 3 $895,000 $298,333 $4,086 4.18%
Clinton, IA (FHA|USDA|VA) 3 $885,000 $295,000 $4,978 4.58%
Fairmont, MN (FHA|USDA|VA) 9 $885,000 $98,333 $5,663 5.76%
LaGrange, GA-AL (FHA|USDA|VA) 5 $885,000 $177,000 $5,311 5.07%
Ogdensburg-Massena, NY (FHA|USDA|VA) 4 $880,000 $220,000 $6,412 5.19%
JOHNSTOWN, PA (FHA|USDA|VA) 4 $880,000 $220,000 $5,665 5.59%
Somerset, KY (FHA|USDA|VA) 3 $875,000 $291,667 $3,209 5.06%
Sandusky, OH (FHA|USDA|VA) 5 $865,000 $173,000 $5,779 4.37%
Sunbury, PA (FHA|USDA|VA) 5 $865,000 $173,000 $6,437 3.78%
MIDLAND, MI (FHA|USDA|VA) 5 $855,000 $171,000 $3,708 5.14%
Brookings, SD (FHA|USDA|VA) 4 $850,000 $212,500 $2,344 3.09%
Pierre, SD (FHA|USDA|VA) 1 $845,000 $845,000 $11,111 3.25%
Dickinson, ND (FHA|USDA|VA) 3 $845,000 $281,667 $5,851 5.01%
Clarksburg, WV (FHA|USDA|VA) 5 $845,000 $169,000 $3,961 5.33%
ENID, OK (FHA|USDA|VA) 5 $835,000 $167,000 $5,567 4.99%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $835,000 $278,333 $12,630 3.95%
London, KY (FHA|USDA|VA) 5 $825,000 $165,000 $4,964 5.28%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $825,000 $825,000 $11,700 4.38%
Marinette, WI-MI (FHA|USDA|VA) 5 $815,000 $163,000 $3,009 5.17%
Okeechobee, FL (FHA|USDA|VA) 4 $810,000 $202,500 $6,477 5.66%
Huntingdon, PA (FHA|USDA|VA) 3 $805,000 $268,333 $2,653 4.50%
Tupelo, MS (FHA|USDA|VA) 3 $805,000 $268,333 $5,366 5.83%
Mount Airy, NC (FHA|USDA|VA) 4 $800,000 $200,000 $3,363 4.19%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $795,000 $265,000 $4,289 4.21%
Urbana, OH (FHA|USDA|VA) 3 $795,000 $265,000 $3,562 3.86%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 4 $790,000 $197,500 $2,430 4.81%
Ardmore, OK (FHA|USDA|VA) 5 $785,000 $157,000 $7,441 4.75%
Blackfoot, ID (FHA|USDA|VA) 2 $780,000 $390,000 $6,570 4.38%
Paris, TX (FHA|USDA|VA) 4 $780,000 $195,000 $6,212 5.13%
Lebanon, MO (FHA|USDA|VA) 3 $775,000 $258,333 $8,090 4.71%
Warrensburg, MO (FHA|USDA|VA) 3 $755,000 $251,667 $6,665 5.16%
Cambridge, OH (FHA|USDA|VA) 3 $755,000 $251,667 $6,927 4.83%
ROME, GA (FHA|USDA|VA) 3 $755,000 $251,667 $8,587 5.82%
TEXARKANA, TX-AR (FHA|USDA|VA) 4 $750,000 $187,500 $5,981 5.68%
Silver City, NM (FHA|USDA|VA) 4 $740,000 $185,000 $4,160 4.00%
Sulphur Springs, TX (FHA|USDA|VA) 4 $740,000 $185,000 $7,703 5.09%
EVANSVILLE, IN-KY (FHA|USDA|VA) 4 $730,000 $182,500 $6,085 5.33%
Jackson, OH (FHA|USDA|VA) 4 $720,000 $180,000 $6,385 6.36%
JONESBORO, AR (FHA|USDA|VA) 4 $720,000 $180,000 $3,650 5.88%
LAREDO, TX (FHA|USDA|VA) 4 $720,000 $180,000 $6,931 4.81%
DuBois, PA (FHA|USDA|VA) 3 $715,000 $238,333 $4,614 6.44%
Beeville, TX (FHA|USDA|VA) 3 $705,000 $235,000 $7,929 5.79%
Ozark, AL (FHA|USDA|VA) 5 $705,000 $141,000 $5,018 5.28%
Mason City, IA (FHA|USDA|VA) 3 $705,000 $235,000 $6,690 4.80%
Palatka, FL (FHA|USDA|VA) 5 $705,000 $141,000 $5,376 4.05%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 4 $700,000 $175,000 $8,193 5.49%
HATTIESBURG, MS (FHA|USDA|VA) 3 $695,000 $231,667 $5,784 4.75%
Yankton, SD (FHA|USDA|VA) 4 $690,000 $172,500 $1,786 4.91%
Marion, OH (FHA|USDA|VA) 5 $685,000 $137,000 $4,522 4.75%
Toccoa, GA (FHA|USDA|VA) 4 $680,000 $170,000 $5,084 3.16%
Bartlesville, OK (FHA|USDA|VA) 3 $675,000 $225,000 $5,857 4.54%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $670,000 $335,000 $7,570 4.83%
Laurinburg, NC (FHA|USDA|VA) 2 $670,000 $335,000 $11,429 4.31%
Dayton, TN (FHA|USDA|VA) 3 $665,000 $221,667 $6,542 4.71%
Nogales, AZ (FHA|USDA|VA) 3 $665,000 $221,667 $5,625 4.08%
Hobbs, NM (FHA|USDA|VA) 3 $665,000 $221,667 $7,676 6.33%
Portales, NM (FHA|USDA|VA) 4 $660,000 $165,000 $7,775 5.71%
Moscow, ID (FHA|USDA|VA) 1 $655,000 $655,000 $13,555 5.13%
Mount Vernon, OH (FHA|USDA|VA) 2 $650,000 $325,000 $10,091 4.38%
Bellefontaine, OH (FHA|USDA|VA) 3 $645,000 $215,000 $7,297 5.54%
Freeport, IL (FHA|USDA|VA) 5 $645,000 $129,000 $4,669 5.61%
Lewisburg, PA (FHA|USDA|VA) 1 $645,000 $645,000 $9,850 3.58%
Plattsburgh, NY (FHA|USDA|VA) 3 $645,000 $215,000 $6,567 5.54%
Elko, NV (FHA|USDA|VA) 2 $640,000 $320,000 $8,348 5.50%
Roanoke Rapids, NC (FHA|USDA|VA) 6 $640,000 $106,667 $5,735 4.67%
Los Alamos, NM (FHA|USDA|VA) 2 $630,000 $315,000 $8,501 4.25%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $615,000 $205,000 $2,643 6.19%
Branson, MO (FHA|USDA|VA) 4 $610,000 $152,500 $6,023 4.09%
Big Rapids, MI (FHA|USDA|VA) 4 $610,000 $152,500 $4,275 5.41%
Oxford, MS (FHA|USDA|VA) 3 $605,000 $201,667 $6,130 5.59%
VICTORIA, TX (FHA|USDA|VA) 3 $605,000 $201,667 $8,105 4.29%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 3 $605,000 $201,667 $6,723 5.75%
Fremont, NE (FHA|USDA|VA) 4 $600,000 $150,000 $4,656 4.78%
JEFFERSON CITY, MO (FHA|USDA|VA) 4 $600,000 $150,000 $3,573 5.47%
Española, NM (FHA|USDA|VA) 5 $595,000 $119,000 $3,653 6.40%
MORGANTOWN, WV (FHA|USDA|VA) 2 $590,000 $295,000 $2,852 5.75%
LAWRENCE, KS (FHA|USDA|VA) 2 $580,000 $290,000 $5,970 4.50%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 4 $580,000 $145,000 $4,237 5.72%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $580,000 $290,000 $10,122 5.89%
Lumberton, NC (FHA|USDA|VA) 3 $565,000 $188,333 $5,739 4.75%
Norwalk, OH (FHA|USDA|VA) 3 $565,000 $188,333 $5,172 4.29%
Big Stone Gap, VA (FHA|USDA|VA) 2 $560,000 $280,000 $8,680 5.81%
Thomasville, GA (FHA|USDA|VA) 2 $560,000 $280,000 $5,432 4.70%
Douglas, GA (FHA|USDA|VA) 3 $555,000 $185,000 $6,673 5.50%
Galesburg, IL (FHA|USDA|VA) 3 $545,000 $181,667 $7,109 4.87%
Ruidoso, NM (FHA|USDA|VA) 1 $545,000 $545,000 $4,421 3.50%
Albertville, AL (FHA|USDA|VA) 2 $540,000 $270,000 $2,828 5.56%
Red Bluff, CA (FHA|USDA|VA) 2 $540,000 $270,000 $4,640 4.94%
DALTON, GA (FHA|USDA|VA) 2 $530,000 $265,000 $3,636 4.37%
Juneau, AK (FHA|USDA|VA) 1 $525,000 $525,000 $15,926 3.50%
Gaffney, SC (FHA|USDA|VA) 2 $520,000 $260,000 $11,817 4.13%
Henderson, NC (FHA|USDA|VA) 3 $515,000 $171,667 $6,411 5.00%
BINGHAMTON, NY (FHA|USDA|VA) 4 $510,000 $127,500 $5,444 5.58%
Tifton, GA (FHA|USDA|VA) 2 $510,000 $255,000 $4,176 5.63%
Cedartown, GA (FHA|USDA|VA) 2 $510,000 $255,000 $9,714 5.69%
Tahlequah, OK (FHA|USDA|VA) 2 $510,000 $255,000 $5,806 5.93%
Kingsville, TX (FHA|USDA|VA) 3 $505,000 $168,333 $7,120 4.33%
Opelousas, LA (FHA|USDA|VA) 3 $505,000 $168,333 $7,762 5.50%
Lexington, NE (FHA|USDA|VA) 1 $505,000 $505,000 $600 4.88%
FARMINGTON, NM (FHA|USDA|VA) 2 $500,000 $250,000 $5,565 3.54%
Uvalde, TX (FHA|USDA|VA) 2 $490,000 $245,000 $10,323 4.88%
Alice, TX (FHA|USDA|VA) 2 $490,000 $245,000 $6,314 4.79%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $485,000 $485,000 $7,080 5.13%
Kendallville, IN (FHA|USDA|VA) 3 $485,000 $161,667 $3,815 5.79%
Indiana, PA (FHA|USDA|VA) 2 $480,000 $240,000 $6,097 5.12%
El Campo, TX (FHA|USDA|VA) 2 $480,000 $240,000 $5,578 3.75%
Sayre, PA (FHA|USDA|VA) 2 $480,000 $240,000 $6,522 5.87%
ALTOONA, PA (FHA|USDA|VA) 2 $480,000 $240,000 $5,395 5.40%
North Wilkesboro, NC (FHA|USDA|VA) 2 $470,000 $235,000 $0 5.31%
Houghton, MI (FHA|USDA|VA) 3 $465,000 $155,000 $4,139 4.29%
DECATUR, IL (FHA|USDA|VA) 3 $465,000 $155,000 $2,307 4.71%
Roswell, NM (FHA|USDA|VA) 3 $465,000 $155,000 $4,105 3.38%
Seymour, IN (FHA|USDA|VA) 2 $460,000 $230,000 $6,761 5.56%
Elk City, OK (FHA|USDA|VA) 2 $460,000 $230,000 $3,674 6.43%
Brownwood, TX (FHA|USDA|VA) 2 $460,000 $230,000 $7,350 3.81%
Minden, LA (FHA|USDA|VA) 3 $455,000 $151,667 $7,122 5.83%
MANSFIELD, OH (FHA|USDA|VA) 4 $450,000 $112,500 $4,733 5.29%
Ludington, MI (FHA|USDA|VA) 1 $445,000 $445,000 $3,311 2.75%
McMinnville, TN (FHA|USDA|VA) 3 $445,000 $148,333 $6,173 6.23%
Corning, NY (FHA|USDA|VA) 5 $445,000 $89,000 $5,167 4.55%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $430,000 $215,000 $6,336 6.13%
Winona, MN (FHA|USDA|VA) 1 $415,000 $415,000 $6,546 4.99%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 3 $415,000 $138,333 $2,857 6.00%
Sterling, IL (FHA|USDA|VA) 3 $415,000 $138,333 $4,304 4.98%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $410,000 $205,000 $4,563 4.50%
Danville, VA (FHA|USDA|VA) 3 $405,000 $135,000 $4,867 4.78%
Murray, KY (FHA|USDA|VA) 1 $395,000 $395,000 $6,321 3.50%
Guymon, OK (FHA|USDA|VA) 2 $390,000 $195,000 $8,332 5.59%
Malvern, AR (FHA|USDA|VA) 3 $385,000 $128,333 $6,913 5.13%
CARSON CITY, NV (FHA|USDA|VA) 1 $385,000 $385,000 $3,075 5.75%
Greenwood, SC (FHA|USDA|VA) 3 $385,000 $128,333 $5,189 4.38%
Angola, IN (FHA|USDA|VA) 3 $385,000 $128,333 $0 4.71%
Rio Grande City-Roma, TX (FHA|USDA|VA) 2 $380,000 $190,000 $7,642 3.56%
Oneonta, NY (FHA|USDA|VA) 2 $380,000 $190,000 $5,831 4.87%
Dublin, GA (FHA|USDA|VA) 2 $380,000 $190,000 $5,726 4.81%
Athens, OH (FHA|USDA|VA) 2 $380,000 $190,000 $5,376 5.55%
Bluffton, IN (FHA|USDA|VA) 2 $370,000 $185,000 $4,567 4.81%
Fairmont, WV (FHA|USDA|VA) 2 $350,000 $175,000 $2,218 5.31%
BANGOR, ME (FHA|USDA|VA) 1 $345,000 $345,000 $1,118 3.75%
Craig, CO (FHA|USDA|VA) 1 $345,000 $345,000 $8,620 5.25%
Paducah, KY-IL (FHA|USDA|VA) 1 $345,000 $345,000 $3,930 4.65%
MUNCIE, IN (FHA|USDA|VA) 3 $345,000 $115,000 $2,169 4.65%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $345,000 $345,000 $4,587 2.38%
Jasper, IN (FHA|USDA|VA) 2 $340,000 $170,000 $6,568 3.25%
Del Rio, TX (FHA|USDA|VA) 1 $335,000 $335,000 $12,573 6.88%
Hillsdale, MI (FHA|USDA|VA) 2 $330,000 $165,000 $6,131 3.44%
Arcadia, FL (FHA|USDA|VA) 2 $330,000 $165,000 $4,873 4.81%
DANVILLE, IL (FHA|USDA|VA) 3 $325,000 $108,333 $7,129 2.63%
Cordele, GA (FHA|USDA|VA) 1 $325,000 $325,000 $5,703 4.25%
Lawrenceburg, TN (FHA|USDA|VA) 1 $325,000 $325,000 $9,749 4.95%
Elkins, WV (FHA|USDA|VA) 1 $325,000 $325,000 $7,354 5.88%
Sweetwater, TX (FHA|USDA|VA) 2 $320,000 $160,000 $4,217 4.56%
Laurel, MS (FHA|USDA|VA) 2 $310,000 $155,000 $5,442 5.29%
McAlester, OK (FHA|USDA|VA) 1 $305,000 $305,000 $9,895 4.75%
Starkville, MS (FHA|USDA|VA) 1 $305,000 $305,000 $4,182 5.13%
Gloversville, NY (FHA|USDA|VA) 1 $295,000 $295,000 $10,113 6.88%
Laramie, WY (FHA|USDA|VA) 2 $290,000 $145,000 $2,832 2.81%
Safford, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $9,339 4.75%
Salina, KS (FHA|USDA|VA) 1 $285,000 $285,000 $4,129 3.63%
Meridian, MS (FHA|USDA|VA) 1 $285,000 $285,000 $6,534 5.13%
Berlin, NH (FHA|USDA|VA) 2 $280,000 $140,000 $3,119 4.81%
Central City, KY (FHA|USDA|VA) 1 $275,000 $275,000 $7,592 5.13%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $275,000 $275,000 $3,198 3.50%
Auburn, IN (FHA|USDA|VA) 1 $275,000 $275,000 $3,351 5.75%
Vermillion, SD (FHA|USDA|VA) 1 $275,000 $275,000 $11,120 4.63%
Pecos, TX (FHA|USDA|VA) 1 $265,000 $265,000 $11,785 6.88%
Pella, IA (FHA|USDA|VA) 1 $265,000 $265,000 $12,348 5.75%
Kearney, NE (FHA|USDA|VA) 1 $265,000 $265,000 $8,091 4.75%
Greensburg, IN (FHA|USDA|VA) 2 $260,000 $130,000 $4,529 5.36%
Hannibal, MO (FHA|USDA|VA) 2 $260,000 $130,000 $2,938 4.88%
Borger, TX (FHA|USDA|VA) 2 $260,000 $130,000 $5,839 6.00%
Greenville, OH (FHA|USDA|VA) 2 $260,000 $130,000 $3,085 3.25%
WHEELING, WV-OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,338 3.25%
Ketchikan, AK (FHA|USDA|VA) 1 $255,000 $255,000 $5,379 3.50%
Brookings, OR (FHA|USDA|VA) 1 $255,000 $255,000 $7,498 5.50%
Zanesville, OH (FHA|USDA|VA) 1 $255,000 $255,000 $11,384 5.38%
Rock Springs, WY (FHA|USDA|VA) 1 $255,000 $255,000 $10,466 5.88%
Bluefield, WV-VA (FHA|USDA|VA) 1 $255,000 $255,000 $10,669 6.25%
Martinsville, VA (FHA|USDA|VA) 2 $250,000 $125,000 $6,024 4.81%
ITHACA, NY (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.00%
Eagle Pass, TX (FHA|USDA|VA) 1 $245,000 $245,000 $7,984 5.55%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $245,000 $245,000 $625 5.88%
Price, UT (FHA|USDA|VA) 1 $235,000 $235,000 $4,877 3.85%
Corinth, MS (FHA|USDA|VA) 1 $235,000 $235,000 $5,888 4.75%
Oskaloosa, IA (FHA|USDA|VA) 2 $230,000 $115,000 $2,094 3.69%
Port Lavaca, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,780 4.88%
Huron, SD (FHA|USDA|VA) 1 $225,000 $225,000 $1,637 6.13%
Ottumwa, IA (FHA|USDA|VA) 2 $220,000 $110,000 $3,162 5.00%
Marshall, MO (FHA|USDA|VA) 1 $215,000 $215,000 $575 6.25%
Spearfish, SD (FHA|USDA|VA) 1 $215,000 $215,000 $9,589 3.85%
Big Spring, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,641 7.00%
Moberly, MO (FHA|USDA|VA) 2 $210,000 $105,000 $3,663 6.75%
Columbus, MS (FHA|USDA|VA) 1 $205,000 $205,000 $2,477 3.25%
Winfield, KS (FHA|USDA|VA) 3 $205,000 $68,333 $3,222 5.04%
Summerville, GA (FHA|USDA|VA) 1 $205,000 $205,000 $6,560 5.95%
Atmore, AL (FHA|USDA|VA) 1 $205,000 $205,000 $6,958 4.75%
New Castle, PA (FHA|USDA|VA) 1 $205,000 $205,000 $5,261 5.50%
Quincy, IL-MO (FHA|USDA|VA) 1 $195,000 $195,000 $550 3.13%
Crescent City, CA (FHA|USDA|VA) 1 $195,000 $195,000 $6,440 5.88%
Liberal, KS (FHA|USDA|VA) 1 $195,000 $195,000 $3,669 4.75%
Olean, NY (FHA|USDA|VA) 2 $190,000 $95,000 $6,868 4.13%
LIMA, OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,927 5.75%
CHARLESTON, WV (FHA|USDA|VA) 1 $185,000 $185,000 $6,299 4.25%
Jacksonville, IL (FHA|USDA|VA) 1 $185,000 $185,000 $1,690 5.88%
Picayune, MS (FHA|USDA|VA) 1 $185,000 $185,000 $4,095 5.38%
Muskogee, OK (FHA|USDA|VA) 1 $185,000 $185,000 $9,146 5.13%
Portsmouth, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,398 2.50%
Tiffin, OH (FHA|USDA|VA) 2 $180,000 $90,000 $2,614 4.18%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $175,000 $175,000 $5,048 5.25%
Mountain Home, AR (FHA|USDA|VA) 1 $175,000 $175,000 $2,611 6.13%
Union, SC (FHA|USDA|VA) 1 $175,000 $175,000 $7,346 4.50%
West Plains, MO (FHA|USDA|VA) 1 $175,000 $175,000 $3,149 5.88%
Clewiston, FL (FHA|USDA|VA) 1 $175,000 $175,000 $9,099 3.38%
Levelland, TX (FHA|USDA|VA) 1 $165,000 $165,000 $8,770 4.00%
Amsterdam, NY (FHA|USDA|VA) 1 $165,000 $165,000 $6,414 4.75%
Altus, OK (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.50%
La Grande, OR (FHA|USDA|VA) 1 $165,000 $165,000 $6,114 6.38%
Decatur, IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,292 5.25%
Bardstown, KY (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.75%
Paris, TN (FHA|USDA|VA) 1 $165,000 $165,000 $5,006 3.63%
Thomaston, GA (FHA|USDA|VA) 1 $165,000 $165,000 $9,707 7.25%
Lincoln, IL (FHA|USDA|VA) 2 $160,000 $80,000 $4,396 5.56%
Mount Vernon, IL (FHA|USDA|VA) 2 $160,000 $80,000 $4,094 5.56%
Macomb, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,556 3.75%
Martin, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,675 5.63%
Mitchell, SD (FHA|USDA|VA) 1 $155,000 $155,000 $4,198 3.75%
Alpena, MI (FHA|USDA|VA) 1 $155,000 $155,000 $5,113 5.75%
Gallup, NM (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.00%
Jamestown, ND (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.38%
Batavia, NY (FHA|USDA|VA) 1 $155,000 $155,000 $9,118 6.25%
Natchez, MS-LA (FHA|USDA|VA) 2 $150,000 $75,000 $4,607 6.75%
Auburn, NY (FHA|USDA|VA) 1 $145,000 $145,000 $6,111 3.99%
Pullman, WA (FHA|USDA|VA) 1 $145,000 $145,000 $7,587 3.00%
McComb, MS (FHA|USDA|VA) 1 $145,000 $145,000 $5,517 5.75%
Richmond, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,786 4.25%
Defiance, OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,735 6.25%
Wapakoneta, OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,883 4.25%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $145,000 $145,000 $5,721 6.23%
GADSDEN, AL (FHA|USDA|VA) 2 $140,000 $70,000 $2,616 5.94%
BAY CITY, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,854 6.88%
Ada, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,716 4.25%
Spencer, IA (FHA|USDA|VA) 1 $135,000 $135,000 $2,559 3.55%
Vicksburg, MS (FHA|USDA|VA) 1 $135,000 $135,000 $1,100 3.38%
Platteville, WI (FHA|USDA|VA) 1 $125,000 $125,000 $1,434 4.99%
Andrews, TX (FHA|USDA|VA) 1 $125,000 $125,000 $7,828 6.25%
Sterling, CO (FHA|USDA|VA) 2 $120,000 $60,000 $0 2.94%
Maryville, MO (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.50%
Bemidji, MN (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.13%
Vernal, UT (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.99%
Pittsburg, KS (FHA|USDA|VA) 1 $115,000 $115,000 $3,481 6.00%
Escanaba, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,249 5.63%
Morgan City, LA (FHA|USDA|VA) 1 $105,000 $105,000 $5,125 5.53%
Oil City, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,298 4.63%
Wauchula, FL (FHA|USDA|VA) 1 $105,000 $105,000 $6,194 3.88%
Bogalusa, LA (FHA|USDA|VA) 1 $105,000 $105,000 $6,320 5.75%
St. Marys, PA (FHA|USDA|VA) 1 $95,000 $95,000 $5,776 5.25%
Bennettsville, SC (FHA|USDA|VA) 1 $95,000 $95,000 $2,774 5.75%
Snyder, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,145 5.88%
Rockingham, NC (FHA|USDA|VA) 1 $85,000 $85,000 $4,709 4.18%
Washington, NC (FHA|USDA|VA) 1 $85,000 $85,000 $5,566 3.88%
Moultrie, GA (FHA|USDA|VA) 1 $85,000 $85,000 $5,956 3.38%
Bay City, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.88%
Sikeston, MO (FHA|USDA|VA) 1 $75,000 $75,000 $3,669 5.25%
North Platte, NE (FHA|USDA|VA) 1 $75,000 $75,000 $3,821 7.38%
Brookhaven, MS (FHA|USDA|VA) 1 $65,000 $65,000 $2,305 2.88%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.60%
Guaranteed Rate's top markets include Chicago, Boston, New York, Los Angeles, and San Francisco among others.

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

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

    First State Bank
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    Cedar Point Federal Credit Union
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    UNIVERSITY OF ILLINOIS COMMUNITY
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 65,252 $25,360,310,000 $388,652 $6,086 4.61%
    FHA 9,485 $2,746,425,000 $289,555 $11,219 5.03%
    VA 6,963 $2,813,385,000 $404,048 $8,918 4.60%
    USDA 463 $88,815,000 $191,825 $6,744 4.90%

    For 2022, Guaranteed Rate's most frequently originated type of loan was Conventional, with 65,252 originations. Their 2nd most popular type was FHA, with 9,485 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 66,364 $25,325,750,000 $381,619 $7,351 4.84%
    Cash Out Refi 10,496 $3,706,700,000 $353,154 $5,450 4.09%
    Refi 5,303 $1,976,485,000 $372,711 $4,604 3.61%

    For 2022, Guaranteed Rate's most frequently cited loan purpose was Home Purchase, with 66,364 originations. The 2nd most popular reason was Cash Out Refi, with 10,496 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 75,740 $29,495,410,000 $389,430 $7,106 4.79%
    15 Year 4,118 $1,149,430,000 $279,123 $4,578 3.53%
    20 Year 917 $268,895,000 $293,233 $4,411 3.91%
    10 Year 488 $31,510,000 $64,570 $3,563 3.26%
    30+ year 387 $5,495,000 $14,199 $0 0.15%
    Other 292 $56,430,000 $193,253 $4,391 2.00%
    5 Year 219 $1,745,000 $7,968 $0 0.00%
    3 Year 2 $20,000 $10,000 $0 0.00%

    For 2022, Guaranteed Rate's most frequently cited loan duration was 30 Year, with 75,740 originations. The 2nd most popular length was 15 Year, with 4,118 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 35,973 $14,408,275,000 $400,530
    $5k+ 10,973 $5,567,865,000 $507,415
    $2k-3k 9,134 $2,824,980,000 $309,282
    $<1k 8,239 $2,509,315,000 $304,565
    $3k-4k 6,669 $2,181,945,000 $327,177
    $4k-5k 4,649 $1,656,905,000 $356,400

    Guaranteed Rate's average total fees were $7,106, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 35,973 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 23,014 $9,226,810,000 $400,922
    5-6% 23,002 $8,178,430,000 $355,553
    4-5% 18,448 $7,677,550,000 $416,172
    6-7% 9,263 $2,914,755,000 $314,666
    2.5-3% 4,635 $2,205,595,000 $475,857
    <2.5% 2,134 $352,720,000 $165,286
    7-8% 1,574 $435,460,000 $276,658
    Over 8% 93 $17,615,000 $189,409

    During 2022, Guaranteed Rate's average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 3-4%, with 23,014 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 35,620 $10,439,430,000 $293,078 $6,516 4.81%
    $400k-600k 17,119 $8,291,255,000 $484,331 $7,687 4.63%
    $100k-200k 14,111 $2,193,855,000 $155,471 $4,972 4.89%
    $600k-1MM 9,115 $6,636,975,000 $728,138 $8,925 4.43%
    $100,000 or less 3,828 $202,990,000 $53,028 $3,933 3.47%
    $1MM+ 2,370 $3,244,430,000 $1,368,958 $11,709 4.17%

    2022 saw Guaranteed Rate place emphasis on $200k-400k loans with 35,620 originations, totaling $10,439,430,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 19,914 $7,314,730,000 $367,316 $7,117 4.71%
    $150k-250k 16,866 $8,087,760,000 $479,530 $7,395 4.67%
    $50k-75k 14,837 $3,310,485,000 $223,124 $6,144 4.65%
    $75k-100k 14,449 $4,205,395,000 $291,051 $6,834 4.73%
    $250k+ 9,991 $7,160,665,000 $716,712 $8,225 4.52%
    $50k or less 5,997 $894,625,000 $149,179 $5,135 4.56%

    Guaranteed Rate lent most frequently to those with incomes in the $100k-150k range, with 19,914 originations. The second most popular income band? $150k-250k, with 16,866 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 14,308 $5,588,140,000 $390,561 $6,405 4.61%
    20-30% 13,661 $5,281,885,000 $386,640 $5,974 4.49%
    50-60% 5,227 $1,863,895,000 $356,590 $10,779 4.92%
    44% 4,081 $1,430,155,000 $350,442 $7,061 4.64%
    <20% 3,881 $1,395,195,000 $359,494 $5,587 4.32%
    42% 3,711 $1,489,665,000 $401,419 $7,093 4.67%
    49% 3,685 $1,292,855,000 $350,843 $7,443 4.90%
    43% 3,534 $1,237,240,000 $350,096 $6,811 4.69%
    41% 3,355 $1,333,515,000 $397,471 $6,884 4.66%
    40% 3,309 $1,286,515,000 $388,793 $6,787 4.68%
    39% 3,253 $1,309,835,000 $402,654 $6,787 4.65%
    38% 3,051 $1,187,885,000 $389,343 $6,676 4.65%
    45% 2,983 $1,035,205,000 $347,035 $7,166 4.83%
    37% 2,889 $1,149,515,000 $397,894 $6,610 4.67%
    48% 2,783 $974,785,000 $350,264 $7,390 4.87%
    36% 2,780 $1,100,590,000 $395,896 $6,841 4.62%
    46% 2,680 $949,610,000 $354,332 $7,391 4.85%
    47% 2,636 $937,490,000 $355,649 $7,375 4.91%
    >60% 254 $132,490,000 $521,614 $11,960 4.53%

    Guaranteed Rate lent most frequently to those with DTI ratios of 30-36%, with 14,308 originations. The next most common DTI ratio? 20-30%, with 13,661 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 52,615 $19,548,665,000 $371,542 $6,639 4.69%
    Not provided 15,768 $6,197,920,000 $393,070 $7,051 4.57%
    Asian 4,796 $2,186,560,000 $455,913 $7,318 4.56%
    Black 6,513 $2,044,335,000 $313,885 $8,647 4.76%
    American Indian 975 $322,575,000 $330,846 $7,895 4.74%
    Asian Indian 610 $316,480,000 $518,820 $7,879 4.58%
    Other Asian 190 $83,360,000 $438,737 $7,598 4.73%
    Filipino 188 $79,960,000 $425,319 $8,043 4.71%
    Chinese 144 $66,570,000 $462,292 $7,793 4.49%
    Native Hawaiian or Islander 145 $61,845,000 $426,517 $8,911 4.42%
    Korean 66 $35,510,000 $538,030 $8,379 4.38%
    Japanese 56 $28,980,000 $517,500 $8,052 4.69%
    Vietnamese 43 $17,105,000 $397,791 $6,383 4.82%
    Other Pacific Islander 28 $10,660,000 $380,714 $8,472 4.80%
    Native Hawaiian 13 $4,085,000 $314,231 $8,650 5.14%
    Guamanian 8 $2,990,000 $373,750 $8,029 4.77%
    Samoan 5 $1,335,000 $267,000 $5,788 4.00%

    Approval Rates

    Total approvals of all applications
    95.84%

    Guaranteed Rate has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    51.98%

    Guaranteed Rate 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 82,163 $31,008,935,000 $377,408

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    82,163 $31,008,935,000 $377,408

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 3,080 $856,190,000 $277,984 $4,590 4.19%
    40-60% 8,067 $2,917,945,000 $361,714 $5,050 4.24%
    60-80% 24,857 $10,335,325,000 $415,791 $6,417 4.64%
    80-100% 42,236 $15,974,100,000 $378,211 $7,339 4.92%
    Over 100% 2,047 $828,975,000 $404,971 $14,847 4.68%
    Under 20% 1,876 $96,400,000 $51,386 $3,872 1.76%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    GUARANTEED RATE INC. Conventional home mortgage Trouble during payment process 1 50.0%
    GUARANTEED RATE INC. FHA mortgage Trouble during payment process 1 50.0%