Hometown Lenders Mortgage Rates, Fees & Info

HUNTSVILLE, AL

LEI: 549300UFNWYY11NLMW19

Tax ID: 63-1246790

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Mortgage Data

Review & Overview

Hometown Lenders is a mid-sized mortgage company specializing in Home Purchase loans. Hometown Lenders has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Sacramento, Chicago, Seattle, Portland, and Huntsville among others. We have data for 508 markets. (Some data included below & more in-depth data is available with an active subscription.)

Hometown Lenders 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. Hometown Lenders 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 11/22/24
30 Year Conventional Purchase 6.76% 11/22/24
30 Year Conventional Refi 6.67% 11/22/24
30 Year Cash-out Refi 6.90% 11/22/24
30 Year FHA Purchase 7.75% 11/22/24
30 Year FHA Refi 7.63% 11/22/24
30 Year VA Purchase 6.57% 11/22/24
30 Year VA Refi 6.40% 11/22/24
30 Year USDA Purchase 6.99% 11/22/24
30 Year USDA Refi 7.32% 11/22/24
15 Year Conventional Purchase 6.17% 11/22/24
15 Year Conventional Refi 6.31% 11/22/24
15 Year Cash-out Refi 6.31% 11/22/24
15 Year FHA Purchase 5.68% 11/22/24
15 Year FHA Refi 8.01% 11/22/24
15 Year VA Purchase 6.74% 11/22/24
15 Year VA Refi 5.68% 11/22/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Hometown Lenders Mortgage Calculator






Your Estimates

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

This is not an official calculator from Hometown Lenders. 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

20,483

Origination Dollar Volume (All Markets)

$5,471,905,000
Show all (11) awards

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
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 750 $298,550,000 $398,067 $5,757 2.90%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1,119 $256,515,000 $229,236 $6,167 3.25%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 643 $245,605,000 $381,967 $6,413 3.01%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 581 $214,995,000 $370,043 $5,949 3.08%
HUNTSVILLE, AL (FHA|USDA|VA) 848 $196,730,000 $231,993 $5,056 3.10%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 461 $173,535,000 $376,432 $6,703 3.10%
YUBA CITY, CA (FHA|USDA|VA) 616 $170,000,000 $275,974 $5,847 2.85%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 518 $168,260,000 $324,826 $6,886 3.18%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 808 $149,520,000 $185,050 $6,135 3.17%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 419 $145,895,000 $348,198 $6,609 2.73%
Outside of Metro Areas 652 $140,360,000 $215,276 $5,529 3.22%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 464 $138,760,000 $299,052 $5,370 3.19%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 423 $121,295,000 $286,749 $5,051 3.15%
OKLAHOMA CITY, OK (FHA|USDA|VA) 525 $119,475,000 $227,571 $5,756 3.25%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 308 $117,660,000 $382,013 $9,014 3.13%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 354 $113,010,000 $319,237 $5,901 3.04%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 416 $112,220,000 $269,760 $7,268 3.08%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 213 $103,095,000 $484,014 $8,473 3.06%
RENO, NV (FHA|USDA|VA) 301 $99,225,000 $329,651 $5,319 2.99%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 404 $89,970,000 $222,698 $3,766 3.20%
COLORADO SPRINGS, CO (FHA|USDA|VA) 226 $89,440,000 $395,752 $7,549 2.95%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 244 $86,340,000 $353,852 $7,316 3.07%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 291 $84,665,000 $290,945 $7,859 3.32%
COLUMBUS, OH (FHA|USDA|VA) 330 $77,050,000 $233,485 $6,150 3.41%
BAKERSFIELD, CA (FHA|USDA|VA) 328 $75,590,000 $230,457 $6,102 2.78%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 395 $75,385,000 $190,848 $5,915 3.43%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 380 $66,400,000 $174,737 $4,956 3.08%
Bozeman, MT (FHA|USDA|VA) 150 $60,290,000 $401,933 $5,473 3.14%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 239 $58,425,000 $244,456 $4,372 3.33%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 218 $57,520,000 $263,853 $5,095 3.33%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 190 $50,050,000 $263,421 $7,080 3.11%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 224 $48,550,000 $216,741 $6,064 3.16%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 151 $45,975,000 $304,470 $6,384 3.22%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 140 $44,600,000 $318,571 $6,724 3.14%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 188 $44,380,000 $236,064 $5,460 3.32%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 169 $41,165,000 $243,580 $7,023 3.34%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 179 $39,195,000 $218,966 $8,712 3.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 144 $33,290,000 $231,181 $3,652 3.17%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 98 $30,930,000 $315,612 $7,803 3.01%
DOTHAN, AL (FHA|USDA|VA) 180 $30,400,000 $168,889 $5,319 3.31%
MOBILE, AL (FHA|USDA|VA) 159 $27,015,000 $169,906 $5,625 3.33%
LOUISVILLE, KY (FHA|USDA|VA) 118 $24,890,000 $210,932 $3,866 3.21%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 91 $24,215,000 $266,099 $5,933 3.21%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 113 $22,995,000 $203,496 $6,913 3.17%
CHICO, CA (FHA|USDA|VA) 90 $22,550,000 $250,556 $6,174 2.65%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 81 $22,195,000 $274,012 $6,381 2.99%
Cullman, AL (FHA|USDA|VA) 110 $21,680,000 $197,091 $5,211 3.17%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 100 $20,800,000 $208,000 $8,413 3.50%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 50 $20,730,000 $414,600 $5,427 3.00%
Chillicothe, OH (FHA|USDA|VA) 117 $19,065,000 $162,949 $7,184 3.62%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 78 $18,560,000 $237,949 $5,851 3.12%
CARSON CITY, NV (FHA|USDA|VA) 51 $17,545,000 $344,020 $4,898 2.96%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 119 $17,525,000 $147,269 $5,585 3.47%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 59 $17,185,000 $291,271 $5,904 3.05%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 51 $16,805,000 $329,510 $6,082 2.98%
DECATUR, AL (FHA|USDA|VA) 93 $16,045,000 $172,527 $5,483 3.07%
KANKAKEE, IL (FHA|USDA|VA) 86 $15,530,000 $180,581 $4,602 3.28%
GREELEY, CO (FHA|USDA|VA) 49 $15,395,000 $314,184 $7,592 2.35%
KNOXVILLE, TN (FHA|USDA|VA) 80 $15,270,000 $190,875 $6,375 3.09%
RALEIGH-CARY, NC (FHA|USDA|VA) 61 $14,085,000 $230,902 $6,946 3.54%
Richmond-Berea, KY (FHA|USDA|VA) 54 $12,920,000 $239,259 $4,148 3.32%
Truckee-Grass Valley, CA (FHA|USDA|VA) 33 $11,995,000 $363,485 $4,784 2.86%
EAST STROUDSBURG, PA (FHA|USDA|VA) 54 $11,900,000 $220,370 $6,191 3.12%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 50 $11,720,000 $234,400 $7,222 3.39%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 21 $11,165,000 $531,667 $10,727 3.11%
OCALA, FL (FHA|USDA|VA) 58 $10,780,000 $185,862 $7,411 3.44%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 21 $10,715,000 $510,238 $6,675 2.98%
TOLEDO, OH (FHA|USDA|VA) 72 $10,440,000 $145,000 $7,262 3.49%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 32 $9,440,000 $295,000 $5,850 2.85%
Albertville, AL (FHA|USDA|VA) 50 $9,380,000 $187,600 $5,251 3.05%
Jasper, AL (FHA|USDA|VA) 54 $9,240,000 $171,111 $6,060 3.12%
STOCKTON, CA (FHA|USDA|VA) 25 $9,185,000 $367,400 $5,813 2.93%
TUSCALOOSA, AL (FHA|USDA|VA) 50 $9,020,000 $180,400 $5,379 3.32%
LONGVIEW, WA (FHA|USDA|VA) 32 $8,960,000 $280,000 $6,117 2.86%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 27 $8,685,000 $321,667 $8,761 3.16%
SALEM, OR (FHA|USDA|VA) 30 $8,590,000 $286,333 $8,059 3.06%
Show Low, AZ (FHA|USDA|VA) 52 $8,490,000 $163,269 $5,482 3.02%
BEND, OR (FHA|USDA|VA) 16 $8,030,000 $501,875 $6,550 3.21%
JACKSON, MS (FHA|USDA|VA) 42 $7,870,000 $187,381 $8,769 3.77%
ST. GEORGE, UT (FHA|USDA|VA) 23 $7,835,000 $340,652 $9,845 3.21%
VALLEJO, CA (FHA|USDA|VA) 19 $7,775,000 $409,211 $6,411 2.80%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 32 $7,610,000 $237,813 $6,344 3.57%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 40 $7,520,000 $188,000 $6,442 3.22%
WORCESTER, MA-CT (FHA|USDA|VA) 30 $7,410,000 $247,000 $6,209 3.07%
Athens, TX (FHA|USDA|VA) 24 $7,410,000 $308,750 $6,103 3.09%
MODESTO, CA (FHA|USDA|VA) 23 $7,125,000 $309,783 $5,794 2.99%
Ozark, AL (FHA|USDA|VA) 50 $7,040,000 $140,800 $4,653 3.34%
SPRINGFIELD, MO (FHA|USDA|VA) 39 $7,035,000 $180,385 $4,159 3.09%
TYLER, TX (FHA|USDA|VA) 33 $6,975,000 $211,364 $4,174 3.08%
PUNTA GORDA, FL (FHA|USDA|VA) 38 $6,850,000 $180,263 $6,662 2.83%
Zanesville, OH (FHA|USDA|VA) 43 $6,795,000 $158,023 $5,394 3.26%
FORT COLLINS, CO (FHA|USDA|VA) 17 $6,705,000 $394,412 $4,357 3.06%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 25 $6,445,000 $257,800 $4,807 3.15%
BOULDER, CO (FHA|USDA|VA) 16 $6,330,000 $395,625 $4,641 2.96%
JACKSONVILLE, FL (FHA|USDA|VA) 36 $6,030,000 $167,500 $6,037 3.16%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 23 $6,025,000 $261,957 $8,549 3.79%
RICHMOND, VA (FHA|USDA|VA) 26 $6,010,000 $231,154 $5,853 3.38%
Gardnerville Ranchos, NV (FHA|USDA|VA) 12 $5,990,000 $499,167 $5,667 2.77%
FAYETTEVILLE, NC (FHA|USDA|VA) 32 $5,920,000 $185,000 $6,203 3.68%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 24 $5,890,000 $245,417 $8,445 3.64%
MONTGOMERY, AL (FHA|USDA|VA) 37 $5,865,000 $158,514 $8,137 3.70%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 30 $5,760,000 $192,000 $6,347 3.45%
PANAMA CITY, FL (FHA|USDA|VA) 24 $5,370,000 $223,750 $6,377 3.09%
Helena, MT (FHA|USDA|VA) 15 $5,275,000 $351,667 $6,845 3.11%
Enterprise, AL (FHA|USDA|VA) 34 $5,250,000 $154,412 $4,802 3.43%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 26 $5,070,000 $195,000 $5,692 3.21%
Jackson, OH (FHA|USDA|VA) 34 $5,000,000 $147,059 $7,101 3.80%
Talladega-Sylacauga, AL (FHA|USDA|VA) 25 $4,895,000 $195,800 $6,267 3.30%
Tullahoma-Manchester, TN (FHA|USDA|VA) 23 $4,855,000 $211,087 $6,488 2.71%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 21 $4,855,000 $231,190 $5,945 3.03%
WINSTON-SALEM, NC (FHA|USDA|VA) 28 $4,800,000 $171,429 $7,198 3.29%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 20 $4,710,000 $235,500 $5,211 3.10%
Frankfort, KY (FHA|USDA|VA) 23 $4,685,000 $203,696 $3,768 3.14%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 22 $4,650,000 $211,364 $6,301 3.60%
Butte-Silver Bow, MT (FHA|USDA|VA) 25 $4,555,000 $182,200 $5,398 3.11%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 23 $4,535,000 $197,174 $5,257 3.06%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 21 $4,505,000 $214,524 $4,574 3.30%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 19 $4,285,000 $225,526 $4,500 3.16%
GOLDSBORO, NC (FHA|USDA|VA) 24 $4,270,000 $177,917 $7,363 3.61%
Fernley, NV (FHA|USDA|VA) 15 $4,225,000 $281,667 $4,595 3.03%
Portsmouth, OH (FHA|USDA|VA) 28 $4,140,000 $147,857 $6,844 3.62%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 24 $4,130,000 $172,083 $6,206 3.77%
Kalispell, MT (FHA|USDA|VA) 10 $4,090,000 $409,000 $5,173 3.29%
Shelton, WA (FHA|USDA|VA) 12 $3,950,000 $329,167 $7,553 2.76%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 14 $3,450,000 $246,429 $4,727 3.25%
Newport, OR (FHA|USDA|VA) 11 $3,445,000 $313,182 $7,175 3.02%
DULUTH, MN-WI (FHA|USDA|VA) 16 $3,430,000 $214,375 $4,665 3.12%
OCEAN CITY, NJ (FHA|USDA|VA) 6 $3,280,000 $546,667 $8,209 3.37%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $3,245,000 $649,000 $3,798 3.03%
Atmore, AL (FHA|USDA|VA) 23 $3,195,000 $138,913 $4,282 3.05%
TUCSON, AZ (FHA|USDA|VA) 12 $3,170,000 $264,167 $5,826 3.22%
Shawnee, OK (FHA|USDA|VA) 17 $3,135,000 $184,412 $5,362 3.34%
Holland, MI (FHA|USDA|VA) 12 $3,130,000 $260,833 $4,951 3.15%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 10 $3,110,000 $311,000 $6,861 3.01%
TULSA, OK (FHA|USDA|VA) 14 $2,920,000 $208,571 $5,978 3.36%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 12 $2,910,000 $242,500 $4,544 3.24%
BURLINGTON, NC (FHA|USDA|VA) 13 $2,905,000 $223,462 $6,557 3.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 13 $2,895,000 $222,692 $5,778 3.22%
ST. LOUIS, MO-IL (FHA|USDA|VA) 12 $2,890,000 $240,833 $5,306 3.31%
Kinston, NC (FHA|USDA|VA) 24 $2,880,000 $120,000 $5,241 3.53%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 18 $2,870,000 $159,444 $6,542 3.49%
NILES, MI (FHA|USDA|VA) 11 $2,765,000 $251,364 $4,494 3.22%
Scottsboro, AL (FHA|USDA|VA) 22 $2,760,000 $125,455 $4,294 3.11%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 9 $2,755,000 $306,111 $6,853 3.03%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 19 $2,735,000 $143,947 $4,593 3.31%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 20 $2,730,000 $136,500 $4,865 3.55%
Danville, KY (FHA|USDA|VA) 16 $2,710,000 $169,375 $5,219 3.30%
Alexander City, AL (FHA|USDA|VA) 8 $2,660,000 $332,500 $6,243 3.26%
Oak Harbor, WA (FHA|USDA|VA) 8 $2,570,000 $321,250 $5,472 2.90%
MORRISTOWN, TN (FHA|USDA|VA) 16 $2,570,000 $160,625 $6,000 3.34%
Astoria, OR (FHA|USDA|VA) 7 $2,555,000 $365,000 $6,332 3.16%
FRESNO, CA (FHA|USDA|VA) 8 $2,510,000 $313,750 $5,557 2.87%
LONGVIEW, TX (FHA|USDA|VA) 10 $2,510,000 $251,000 $6,782 3.02%
Mount Vernon, OH (FHA|USDA|VA) 11 $2,485,000 $225,909 $5,386 3.29%
PUEBLO, CO (FHA|USDA|VA) 10 $2,480,000 $248,000 $4,992 2.74%
EL CENTRO, CA (FHA|USDA|VA) 13 $2,475,000 $190,385 $7,442 3.20%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $2,450,000 $612,500 $6,133 3.22%
Centralia, WA (FHA|USDA|VA) 6 $2,430,000 $405,000 $4,903 3.22%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 10 $2,370,000 $237,000 $4,668 3.16%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 7 $2,355,000 $336,429 $5,783 3.05%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 8 $2,350,000 $293,750 $4,662 2.90%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 11 $2,245,000 $204,091 $6,230 3.39%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 6 $2,240,000 $373,333 $7,040 3.04%
PITTSBURGH, PA (FHA|USDA|VA) 11 $2,225,000 $202,273 $7,910 3.49%
GADSDEN, AL (FHA|USDA|VA) 19 $2,215,000 $116,579 $5,929 3.48%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $2,195,000 $313,571 $8,096 3.07%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $2,190,000 $182,500 $5,470 3.19%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 5 $2,165,000 $433,000 $6,380 3.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 6 $2,160,000 $360,000 $5,587 3.23%
WENATCHEE, WA (FHA|USDA|VA) 6 $2,090,000 $348,333 $6,029 3.19%
MONROE, MI (FHA|USDA|VA) 10 $2,090,000 $209,000 $7,413 3.65%
ASHEVILLE, NC (FHA|USDA|VA) 8 $2,070,000 $258,750 $8,454 3.89%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 5 $2,015,000 $403,000 $5,075 2.82%
GAINESVILLE, FL (FHA|USDA|VA) 7 $1,925,000 $275,000 $11,161 3.68%
AMARILLO, TX (FHA|USDA|VA) 9 $1,905,000 $211,667 $4,564 3.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 9 $1,905,000 $211,667 $6,801 3.18%
MUSKEGON, MI (FHA|USDA|VA) 11 $1,835,000 $166,818 $4,427 3.10%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $1,820,000 $303,333 $6,433 3.19%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 13 $1,785,000 $137,308 $5,689 3.23%
GRAND JUNCTION, CO (FHA|USDA|VA) 7 $1,775,000 $253,571 $4,477 2.79%
Fort Payne, AL (FHA|USDA|VA) 11 $1,755,000 $159,545 $4,878 3.10%
SPARTANBURG, SC (FHA|USDA|VA) 10 $1,710,000 $171,000 $5,949 3.06%
ALBANY-LEBANON, OR (FHA|USDA|VA) 5 $1,675,000 $335,000 $10,346 3.22%
Rockport, TX (FHA|USDA|VA) 4 $1,660,000 $415,000 $6,814 3.00%
BOISE CITY, ID (FHA|USDA|VA) 5 $1,655,000 $331,000 $5,171 2.92%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $1,655,000 $551,667 $4,626 2.67%
WILMINGTON, NC (FHA|USDA|VA) 6 $1,650,000 $275,000 $5,170 3.52%
Sevierville, TN (FHA|USDA|VA) 10 $1,640,000 $164,000 $7,858 3.32%
JACKSON, TN (FHA|USDA|VA) 8 $1,610,000 $201,250 $8,004 3.50%
Mount Sterling, KY (FHA|USDA|VA) 9 $1,595,000 $177,222 $4,051 3.49%
Lewisburg, TN (FHA|USDA|VA) 6 $1,590,000 $265,000 $6,342 3.29%
DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $1,570,000 $196,250 $6,502 3.31%
MISSOULA, MT (FHA|USDA|VA) 3 $1,545,000 $515,000 $7,077 2.75%
Brainerd, MN (FHA|USDA|VA) 6 $1,520,000 $253,333 $5,249 3.08%
Lawrenceburg, TN (FHA|USDA|VA) 8 $1,500,000 $187,500 $6,605 3.23%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,495,000 $299,000 $4,901 2.90%
Aberdeen, WA (FHA|USDA|VA) 5 $1,495,000 $299,000 $7,039 3.27%
VISALIA, CA (FHA|USDA|VA) 5 $1,455,000 $291,000 $5,759 3.19%
MEDFORD, OR (FHA|USDA|VA) 4 $1,430,000 $357,500 $5,423 3.15%
NEW BERN, NC (FHA|USDA|VA) 6 $1,410,000 $235,000 $6,105 3.54%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $1,385,000 $461,667 $4,721 3.04%
HATTIESBURG, MS (FHA|USDA|VA) 8 $1,380,000 $172,500 $6,684 3.62%
Fort Morgan, CO (FHA|USDA|VA) 6 $1,370,000 $228,333 $11,785 2.39%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $1,360,000 $340,000 $7,778 3.03%
Bardstown, KY (FHA|USDA|VA) 7 $1,355,000 $193,571 $4,382 3.12%
Port Angeles, WA (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,023 3.09%
Eufaula, AL-GA (FHA|USDA|VA) 9 $1,335,000 $148,333 $4,362 3.32%
SHERMAN-DENISON, TX (FHA|USDA|VA) 5 $1,325,000 $265,000 $8,683 3.67%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,315,000 $438,333 $11,245 3.33%
Pottsville, PA (FHA|USDA|VA) 6 $1,300,000 $216,667 $6,057 3.02%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 6 $1,290,000 $215,000 $5,868 3.54%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,290,000 $645,000 $7,375 3.75%
Shelbyville, TN (FHA|USDA|VA) 6 $1,290,000 $215,000 $6,328 4.29%
BILLINGS, MT (FHA|USDA|VA) 5 $1,285,000 $257,000 $3,338 3.05%
SALINAS, CA (FHA|USDA|VA) 4 $1,280,000 $320,000 $19,338 2.41%
Faribault-Northfield, MN (FHA|USDA|VA) 5 $1,275,000 $255,000 $5,715 3.10%
Red Bluff, CA (FHA|USDA|VA) 5 $1,265,000 $253,000 $5,551 3.10%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 8 $1,250,000 $156,250 $4,117 3.45%
Cookeville, TN (FHA|USDA|VA) 6 $1,240,000 $206,667 $5,627 3.08%
Point Pleasant, WV-OH (FHA|USDA|VA) 8 $1,240,000 $155,000 $5,972 3.66%
Ukiah, CA (FHA|USDA|VA) 3 $1,235,000 $411,667 $5,181 3.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,190,000 $297,500 $7,354 2.97%
Troy, AL (FHA|USDA|VA) 7 $1,175,000 $167,857 $5,730 3.14%
WACO, TX (FHA|USDA|VA) 6 $1,140,000 $190,000 $5,598 3.25%
Cedar City, UT (FHA|USDA|VA) 4 $1,140,000 $285,000 $8,317 3.56%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,100,000 $275,000 $5,909 3.41%
SPRINGFIELD, OH (FHA|USDA|VA) 6 $1,100,000 $183,333 $6,462 3.04%
Grand Rapids, MN (FHA|USDA|VA) 7 $1,095,000 $156,429 $6,661 3.46%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 5 $1,065,000 $213,000 $7,109 3.10%
Pahrump, NV (FHA|USDA|VA) 4 $1,050,000 $262,500 $10,159 3.19%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $1,030,000 $257,500 $6,512 2.91%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,020,000 $170,000 $7,547 3.67%
CLEVELAND, TN (FHA|USDA|VA) 5 $985,000 $197,000 $6,700 3.37%
LANCASTER, PA (FHA|USDA|VA) 5 $985,000 $197,000 $4,857 3.10%
Prineville, OR (FHA|USDA|VA) 1 $985,000 $985,000 $5,856 3.50%
Peru, IN (FHA|USDA|VA) 8 $980,000 $122,500 $3,719 3.22%
ROCHESTER, MN (FHA|USDA|VA) 5 $975,000 $195,000 $6,690 3.10%
CARBONDALE-MARION, IL (FHA|USDA|VA) 9 $975,000 $108,333 $4,152 3.04%
Branson, MO (FHA|USDA|VA) 8 $960,000 $120,000 $3,346 3.22%
Crossville, TN (FHA|USDA|VA) 4 $960,000 $240,000 $6,123 3.50%
FLORENCE, SC (FHA|USDA|VA) 3 $955,000 $318,333 $8,493 2.96%
AKRON, OH (FHA|USDA|VA) 6 $950,000 $158,333 $6,391 3.38%
REDDING, CA (FHA|USDA|VA) 5 $935,000 $187,000 $6,229 2.27%
FORT WAYNE, IN (FHA|USDA|VA) 5 $915,000 $183,000 $4,762 3.18%
Outside of Metro Areas 2 $910,000 $455,000 $5,903 3.50%
Corsicana, TX (FHA|USDA|VA) 3 $905,000 $301,667 $5,884 3.17%
ST. CLOUD, MN (FHA|USDA|VA) 5 $905,000 $181,000 $5,965 3.30%
Dyersburg, TN (FHA|USDA|VA) 5 $905,000 $181,000 $5,419 3.08%
The Dalles, OR (FHA|USDA|VA) 4 $900,000 $225,000 $5,274 3.19%
Durango, CO (FHA|USDA|VA) 2 $900,000 $450,000 $3,557 3.12%
Fallon, NV (FHA|USDA|VA) 4 $890,000 $222,500 $5,261 2.97%
Key West, FL (FHA|USDA|VA) 1 $875,000 $875,000 $14,818 3.75%
LAREDO, TX (FHA|USDA|VA) 4 $860,000 $215,000 $6,729 3.28%
Athens, TN (FHA|USDA|VA) 7 $845,000 $120,714 $4,870 2.86%
Cambridge, OH (FHA|USDA|VA) 5 $835,000 $167,000 $6,617 3.60%
HARRISONBURG, VA (FHA|USDA|VA) 3 $835,000 $278,333 $8,467 2.71%
THE VILLAGES, FL (FHA|USDA|VA) 4 $830,000 $207,500 $4,766 3.37%
CORVALLIS, OR (FHA|USDA|VA) 2 $820,000 $410,000 $14,361 2.69%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $815,000 $271,667 $5,498 2.87%
Greenwood, SC (FHA|USDA|VA) 3 $815,000 $271,667 $8,238 3.04%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $785,000 $261,667 $9,491 3.42%
READING, PA (FHA|USDA|VA) 5 $785,000 $157,000 $5,581 3.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $780,000 $390,000 $4,367 2.81%
JACKSON, MI (FHA|USDA|VA) 4 $780,000 $195,000 $5,000 3.19%
CaƱon City, CO (FHA|USDA|VA) 2 $780,000 $390,000 $5,733 3.12%
ROCKY MOUNT, NC (FHA|USDA|VA) 4 $770,000 $192,500 $6,892 3.50%
CHARLESTON, WV (FHA|USDA|VA) 6 $760,000 $126,667 $4,482 3.54%
Somerset, KY (FHA|USDA|VA) 4 $740,000 $185,000 $4,987 3.66%
Eureka-Arcata, CA (FHA|USDA|VA) 3 $735,000 $245,000 $5,023 2.96%
WICHITA, KS (FHA|USDA|VA) 3 $735,000 $245,000 $6,006 2.92%
Wilson, NC (FHA|USDA|VA) 4 $730,000 $182,500 $3,311 3.28%
Albemarle, NC (FHA|USDA|VA) 4 $730,000 $182,500 $9,097 2.81%
Sonora, CA (FHA|USDA|VA) 3 $715,000 $238,333 $3,447 3.17%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $685,000 $228,333 $3,714 3.42%
MANSFIELD, OH (FHA|USDA|VA) 4 $680,000 $170,000 $5,339 3.84%
WHEELING, WV-OH (FHA|USDA|VA) 7 $675,000 $96,429 $5,472 3.78%
Fremont, OH (FHA|USDA|VA) 3 $665,000 $221,667 $10,862 3.92%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $665,000 $221,667 $6,043 2.92%
ROCKFORD, IL (FHA|USDA|VA) 4 $650,000 $162,500 $5,987 3.37%
MADERA, CA (FHA|USDA|VA) 2 $650,000 $325,000 $7,056 3.88%
MIDLAND, TX (FHA|USDA|VA) 2 $640,000 $320,000 $5,840 3.56%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $630,000 $315,000 $5,719 2.50%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $630,000 $315,000 $10,839 3.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $625,000 $208,333 $5,435 3.38%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $625,000 $208,333 $7,119 3.46%
Ottawa, IL (FHA|USDA|VA) 4 $620,000 $155,000 $4,012 3.31%
Altus, OK (FHA|USDA|VA) 4 $610,000 $152,500 $4,864 3.28%
Meadville, PA (FHA|USDA|VA) 2 $610,000 $305,000 $8,769 2.75%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $610,000 $305,000 $9,574 3.44%
GRAND FORKS, ND-MN (FHA|USDA|VA) 3 $605,000 $201,667 $6,669 3.33%
Big Rapids, MI (FHA|USDA|VA) 3 $605,000 $201,667 $4,314 3.12%
Washington Court House, OH (FHA|USDA|VA) 5 $605,000 $121,000 $7,459 3.60%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $600,000 $150,000 $6,076 3.90%
BELLINGHAM, WA (FHA|USDA|VA) 2 $600,000 $300,000 $5,014 2.62%
Austin, MN (FHA|USDA|VA) 7 $595,000 $85,000 $4,094 3.27%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $595,000 $198,333 $5,869 3.17%
ANN ARBOR, MI (FHA|USDA|VA) 3 $585,000 $195,000 $7,859 3.46%
Susanville, CA (FHA|USDA|VA) 3 $585,000 $195,000 $3,957 3.13%
Seneca, SC (FHA|USDA|VA) 3 $585,000 $195,000 $5,647 3.04%
Selma, AL (FHA|USDA|VA) 5 $575,000 $115,000 $5,565 2.65%
GREAT FALLS, MT (FHA|USDA|VA) 3 $575,000 $191,667 $3,459 3.67%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $575,000 $191,667 $7,006 3.50%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 4 $570,000 $142,500 $3,973 3.00%
MADISON, WI (FHA|USDA|VA) 2 $570,000 $285,000 $7,595 3.93%
Roseburg, OR (FHA|USDA|VA) 2 $560,000 $280,000 $6,103 3.19%
GREENVILLE, NC (FHA|USDA|VA) 4 $560,000 $140,000 $5,181 3.44%
Columbus, MS (FHA|USDA|VA) 3 $555,000 $185,000 $7,945 2.83%
McMinnville, TN (FHA|USDA|VA) 3 $555,000 $185,000 $6,760 3.38%
FLINT, MI (FHA|USDA|VA) 3 $545,000 $181,667 $4,122 3.29%
Glenwood Springs, CO (FHA|USDA|VA) 1 $545,000 $545,000 $3,925 3.12%
Mineral Wells, TX (FHA|USDA|VA) 1 $545,000 $545,000 $4,637 2.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $540,000 $270,000 $4,697 3.06%
RACINE, WI (FHA|USDA|VA) 3 $535,000 $178,333 $7,609 3.17%
Dumas, TX (FHA|USDA|VA) 3 $535,000 $178,333 $5,147 2.92%
Henderson, NC (FHA|USDA|VA) 4 $530,000 $132,500 $7,114 4.16%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $525,000 $175,000 $7,801 3.13%
Edwards, CO (FHA|USDA|VA) 1 $525,000 $525,000 $2,553 2.88%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $520,000 $260,000 $5,821 3.19%
Arcadia, FL (FHA|USDA|VA) 2 $520,000 $260,000 $4,338 2.88%
BATTLE CREEK, MI (FHA|USDA|VA) 4 $500,000 $125,000 $4,558 3.00%
Brownsville, TN (FHA|USDA|VA) 3 $495,000 $165,000 $8,462 3.08%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $495,000 $165,000 $5,289 3.08%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $490,000 $245,000 $4,066 3.25%
Klamath Falls, OR (FHA|USDA|VA) 1 $485,000 $485,000 $11,149 3.25%
New Castle, IN (FHA|USDA|VA) 2 $480,000 $240,000 $3,121 3.13%
Raymondville, TX (FHA|USDA|VA) 4 $470,000 $117,500 $5,951 3.25%
ABILENE, TX (FHA|USDA|VA) 2 $470,000 $235,000 $7,253 3.50%
YAKIMA, WA (FHA|USDA|VA) 2 $460,000 $230,000 $5,085 3.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $460,000 $230,000 $5,911 3.31%
Norwalk, OH (FHA|USDA|VA) 2 $460,000 $230,000 $8,334 3.44%
Duncan, OK (FHA|USDA|VA) 3 $455,000 $151,667 $4,369 3.33%
Marion, OH (FHA|USDA|VA) 3 $455,000 $151,667 $3,736 3.37%
Elkins, WV (FHA|USDA|VA) 1 $455,000 $455,000 $3,986 3.63%
LOGAN, UT-ID (FHA|USDA|VA) 1 $455,000 $455,000 $13,418 3.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $455,000 $151,667 $4,231 2.75%
Dayton, TN (FHA|USDA|VA) 1 $455,000 $455,000 $6,510 3.50%
FARGO, ND-MN (FHA|USDA|VA) 2 $450,000 $225,000 $5,225 3.06%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $445,000 $445,000 $17,112 2.88%
Mount Airy, NC (FHA|USDA|VA) 3 $435,000 $145,000 $5,103 3.67%
Moses Lake, WA (FHA|USDA|VA) 3 $435,000 $145,000 $3,826 3.29%
Ellensburg, WA (FHA|USDA|VA) 2 $430,000 $215,000 $14,561 2.98%
Dixon, IL (FHA|USDA|VA) 2 $430,000 $215,000 $9,217 2.94%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $425,000 $425,000 $4,759 3.38%
Traverse City, MI (FHA|USDA|VA) 2 $410,000 $205,000 $3,031 2.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $410,000 $205,000 $5,417 3.13%
Kerrville, TX (FHA|USDA|VA) 1 $405,000 $405,000 $5,535 2.75%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $400,000 $200,000 $4,287 3.31%
LAS CRUCES, NM (FHA|USDA|VA) 1 $395,000 $395,000 $18,401 2.50%
Marietta, OH (FHA|USDA|VA) 2 $390,000 $195,000 $6,711 3.44%
Adrian, MI (FHA|USDA|VA) 4 $390,000 $97,500 $4,437 3.72%
Findlay, OH (FHA|USDA|VA) 3 $375,000 $125,000 $7,319 3.46%
Bemidji, MN (FHA|USDA|VA) 1 $375,000 $375,000 $6,255 2.88%
Morehead City, NC (FHA|USDA|VA) 2 $370,000 $185,000 $7,826 2.69%
London, KY (FHA|USDA|VA) 2 $370,000 $185,000 $6,020 3.44%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $365,000 $365,000 $2,324 2.99%
Red Wing, MN (FHA|USDA|VA) 1 $365,000 $365,000 $3,941 3.13%
Maysville, KY (FHA|USDA|VA) 2 $360,000 $180,000 $5,868 3.00%
Borger, TX (FHA|USDA|VA) 2 $360,000 $180,000 $6,061 3.50%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $345,000 $115,000 $5,171 3.33%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $340,000 $170,000 $6,283 3.13%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $340,000 $170,000 $8,262 3.81%
Elizabeth City, NC (FHA|USDA|VA) 1 $335,000 $335,000 $10,147 3.13%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $330,000 $165,000 $6,119 2.75%
Heber, UT (FHA|USDA|VA) 1 $325,000 $325,000 $4,275 2.75%
ENID, OK (FHA|USDA|VA) 3 $325,000 $108,333 $4,174 3.33%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $320,000 $160,000 $5,649 3.44%
Hood River, OR (FHA|USDA|VA) 2 $320,000 $160,000 $4,229 3.25%
Natchitoches, LA (FHA|USDA|VA) 1 $315,000 $315,000 $14,847 2.75%
Madison, IN (FHA|USDA|VA) 3 $315,000 $105,000 $5,005 3.67%
Vicksburg, MS (FHA|USDA|VA) 1 $315,000 $315,000 $14,347 2.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $310,000 $155,000 $5,699 3.44%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $310,000 $155,000 $6,845 3.56%
GETTYSBURG, PA (FHA|USDA|VA) 1 $305,000 $305,000 $8,100 3.50%
Cadillac, MI (FHA|USDA|VA) 1 $305,000 $305,000 $3,740 3.13%
Menomonie, WI (FHA|USDA|VA) 1 $295,000 $295,000 $8,539 3.50%
Owatonna, MN (FHA|USDA|VA) 1 $295,000 $295,000 $5,841 3.00%
Logansport, IN (FHA|USDA|VA) 2 $290,000 $145,000 $4,309 3.19%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $290,000 $145,000 $5,437 3.62%
Clewiston, FL (FHA|USDA|VA) 1 $285,000 $285,000 $20,214 3.75%
SUMTER, SC (FHA|USDA|VA) 1 $285,000 $285,000 $10,128 3.75%
ODESSA, TX (FHA|USDA|VA) 1 $285,000 $285,000 $5,452 2.99%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $280,000 $140,000 $6,024 3.44%
BAY CITY, MI (FHA|USDA|VA) 2 $280,000 $140,000 $4,084 3.19%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $280,000 $140,000 $3,562 3.56%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $275,000 $91,667 $5,510 3.50%
Jackson, WY-ID (FHA|USDA|VA) 1 $275,000 $275,000 $4,088 3.25%
MANKATO, MN (FHA|USDA|VA) 2 $270,000 $135,000 $3,862 3.62%
Bonham, TX (FHA|USDA|VA) 2 $270,000 $135,000 $6,027 3.56%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $270,000 $135,000 $6,780 3.69%
Marion, IN (FHA|USDA|VA) 1 $265,000 $265,000 $3,707 2.99%
Rockingham, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.63%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $265,000 $265,000 $11,162 3.50%
COLUMBIA, SC (FHA|USDA|VA) 2 $260,000 $130,000 $10,518 3.56%
Crawfordsville, IN (FHA|USDA|VA) 2 $260,000 $130,000 $5,044 3.25%
Clarksburg, WV (FHA|USDA|VA) 1 $255,000 $255,000 $9,384 4.25%
Shelby, NC (FHA|USDA|VA) 1 $255,000 $255,000 $4,657 3.50%
Winnemucca, NV (FHA|USDA|VA) 2 $250,000 $125,000 $9,854 1.81%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $250,000 $125,000 $5,203 4.00%
Richmond, IN (FHA|USDA|VA) 1 $245,000 $245,000 $2,408 3.63%
Pearsall, TX (FHA|USDA|VA) 1 $245,000 $245,000 $5,597 2.99%
Hutchinson, MN (FHA|USDA|VA) 1 $245,000 $245,000 $8,256 3.50%
Fredericksburg, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,123 2.88%
Pontiac, IL (FHA|USDA|VA) 2 $240,000 $120,000 $4,824 3.19%
ROANOKE, VA (FHA|USDA|VA) 2 $240,000 $120,000 $7,937 2.69%
Bellefontaine, OH (FHA|USDA|VA) 3 $235,000 $78,333 $4,120 3.71%
Newport, TN (FHA|USDA|VA) 1 $235,000 $235,000 $10,731 3.13%
Picayune, MS (FHA|USDA|VA) 1 $235,000 $235,000 $10,921 3.75%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 2 $230,000 $115,000 $5,989 3.31%
Palestine, TX (FHA|USDA|VA) 2 $230,000 $115,000 $4,654 2.75%
MUNCIE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $4,633 3.50%
Danville, VA (FHA|USDA|VA) 1 $225,000 $225,000 $6,254 3.13%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $225,000 $225,000 $10,002 2.75%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $225,000 $225,000 $4,076 2.88%
El Campo, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,232 3.63%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $225,000 $225,000 $12,508 3.50%
Stillwater, OK (FHA|USDA|VA) 2 $220,000 $110,000 $5,172 3.44%
Forest City, NC (FHA|USDA|VA) 2 $220,000 $110,000 $4,300 3.13%
Lock Haven, PA (FHA|USDA|VA) 2 $220,000 $110,000 $7,806 3.19%
Jennings, LA (FHA|USDA|VA) 2 $220,000 $110,000 $4,881 3.31%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $220,000 $110,000 $6,310 3.37%
Tahlequah, OK (FHA|USDA|VA) 1 $215,000 $215,000 $4,918 2.50%
DOVER, DE (FHA|USDA|VA) 1 $215,000 $215,000 $6,001 3.50%
Lumberton, NC (FHA|USDA|VA) 1 $205,000 $205,000 $8,531 3.25%
Freeport, IL (FHA|USDA|VA) 1 $205,000 $205,000 $8,374 3.25%
Ada, OK (FHA|USDA|VA) 1 $205,000 $205,000 $8,228 3.88%
New Castle, PA (FHA|USDA|VA) 1 $205,000 $205,000 $7,249 2.75%
Rio Grande City-Roma, TX (FHA|USDA|VA) 1 $195,000 $195,000 $8,432 3.13%
Coshocton, OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,183 3.25%
Sayre, PA (FHA|USDA|VA) 1 $195,000 $195,000 $6,761 3.38%
Mount Pleasant, MI (FHA|USDA|VA) 1 $195,000 $195,000 $4,853 3.25%
COLUMBIA, MO (FHA|USDA|VA) 1 $195,000 $195,000 $4,670 2.75%
Mountain Home, ID (FHA|USDA|VA) 1 $195,000 $195,000 $7,843 2.88%
Andrews, TX (FHA|USDA|VA) 1 $195,000 $195,000 $10,525 3.50%
Elko, NV (FHA|USDA|VA) 1 $195,000 $195,000 $4,228 3.50%
Bluefield, WV-VA (FHA|USDA|VA) 1 $185,000 $185,000 $6,069 3.25%
Laurel, MS (FHA|USDA|VA) 1 $185,000 $185,000 $7,762 3.75%
Tupelo, MS (FHA|USDA|VA) 1 $185,000 $185,000 $5,613 3.63%
Willmar, MN (FHA|USDA|VA) 1 $185,000 $185,000 $5,968 2.88%
BECKLEY, WV (FHA|USDA|VA) 1 $185,000 $185,000 $4,506 2.88%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $185,000 $185,000 $7,843 3.38%
Huntington, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,731 3.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $175,000 $175,000 $2,455 2.63%
Paris, TN (FHA|USDA|VA) 1 $175,000 $175,000 $10,982 3.00%
CHEYENNE, WY (FHA|USDA|VA) 1 $165,000 $165,000 $2,130 2.88%
STAUNTON, VA (FHA|USDA|VA) 1 $165,000 $165,000 $629 3.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $165,000 $165,000 $6,192 3.49%
Marion, NC (FHA|USDA|VA) 1 $165,000 $165,000 $7,883 4.38%
Laurinburg, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,985 2.75%
West Point, MS (FHA|USDA|VA) 1 $165,000 $165,000 $5,365 2.88%
LAFAYETTE, LA (FHA|USDA|VA) 1 $155,000 $155,000 $7,906 3.13%
VICTORIA, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,033 3.50%
MIDLAND, MI (FHA|USDA|VA) 1 $155,000 $155,000 $7,999 3.50%
Sterling, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,782 3.50%
Nacogdoches, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,969 3.13%
Kingsville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $7,213 3.00%
Marquette, MI (FHA|USDA|VA) 1 $155,000 $155,000 $5,084 3.38%
Hillsdale, MI (FHA|USDA|VA) 1 $145,000 $145,000 $6,850 3.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,250 3.38%
Tiffin, OH (FHA|USDA|VA) 1 $145,000 $145,000 $9,237 3.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $145,000 $145,000 $5,076 2.88%
Sanford, NC (FHA|USDA|VA) 1 $145,000 $145,000 $4,975 3.50%
Uvalde, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,790 3.50%
Bluffton, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,606 3.13%
Ardmore, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,603 3.75%
OWENSBORO, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,736 3.50%
Middlesborough, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,898 2.75%
Salina, KS (FHA|USDA|VA) 1 $135,000 $135,000 $4,210 3.50%
Big Stone Gap, VA (FHA|USDA|VA) 1 $135,000 $135,000 $6,040 3.00%
Stevens Point, WI (FHA|USDA|VA) 1 $135,000 $135,000 $2,739 3.38%
Campbellsville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,887 2.75%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $135,000 $135,000 $5,766 3.63%
Marinette, WI-MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,193 3.50%
BATON ROUGE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $5,892 3.50%
Torrington, CT (FHA|USDA|VA) 1 $135,000 $135,000 $5,924 3.88%
LAWTON, OK (FHA|USDA|VA) 1 $135,000 $135,000 $6,831 3.25%
Athens, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,223 3.38%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $135,000 $135,000 $5,354 3.00%
Martin, TN (FHA|USDA|VA) 1 $125,000 $125,000 $9,683 4.25%
Newberry, SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,834 2.99%
PEORIA, IL (FHA|USDA|VA) 1 $125,000 $125,000 $5,549 2.50%
Oxford, MS (FHA|USDA|VA) 1 $115,000 $115,000 $5,457 3.38%
Sedalia, MO (FHA|USDA|VA) 1 $115,000 $115,000 $4,813 3.25%
Mount Pleasant, TX (FHA|USDA|VA) 1 $115,000 $115,000 $6,318 3.38%
Warsaw, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,479 3.49%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $115,000 $115,000 $7,476 3.25%
Cullowhee, NC (FHA|USDA|VA) 1 $115,000 $115,000 $4,596 3.25%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $115,000 $115,000 $4,810 3.50%
Ottawa, KS (FHA|USDA|VA) 1 $115,000 $115,000 $5,230 3.38%
GREEN BAY, WI (FHA|USDA|VA) 1 $115,000 $115,000 $3,077 3.38%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $115,000 $115,000 $3,122 3.50%
Urbana, OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,674 3.25%
MERCED, CA (FHA|USDA|VA) 1 $105,000 $105,000 $4,171 3.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $105,000 $105,000 $4,861 2.75%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,232 3.38%
Bradford, PA (FHA|USDA|VA) 1 $105,000 $105,000 $8,116 2.50%
Granbury, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,894 4.25%
Greeneville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $6,854 3.38%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $90,000 $45,000 $5,557 5.63%
Oil City, PA (FHA|USDA|VA) 1 $85,000 $85,000 $7,023 3.38%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $85,000 $85,000 $5,776 3.25%
Angola, IN (FHA|USDA|VA) 1 $75,000 $75,000 $6,974 3.63%
Spencer, IA (FHA|USDA|VA) 1 $75,000 $75,000 $2,934 3.00%
Rolla, MO (FHA|USDA|VA) 1 $75,000 $75,000 $4,024 3.63%
McComb, MS (FHA|USDA|VA) 1 $75,000 $75,000 $5,322 3.88%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $65,000 $65,000 $4,778 3.75%
JONESBORO, AR (FHA|USDA|VA) 1 $65,000 $65,000 $3,838 4.13%
Kirksville, MO (FHA|USDA|VA) 1 $65,000 $65,000 $3,208 3.63%
SAGINAW, MI (FHA|USDA|VA) 1 $55,000 $55,000 $3,333 3.88%
Hometown Lenders's top markets include Sacramento, Chicago, Seattle, Portland, and Huntsville among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 14,574 $3,992,390,000 $273,939 $4,907 3.10%
    FHA 4,029 $917,645,000 $227,760 $9,143 3.35%
    VA 1,438 $483,320,000 $336,106 $8,629 3.05%
    USDA 427 $75,805,000 $177,529 $5,826 3.17%
    FHA 14 $2,740,000 $195,714 $0 2.66%
    HELOC 1 $5,000 $5,000 n/a 0.00%

    For 2021, Hometown Lenders's most frequently originated type of loan was Conventional, with 14,574 originations. Their 2nd most popular type was FHA, with 4,029 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 13,808 $3,722,200,000 $269,568 $6,544 3.18%
    Refi 3,460 $900,700,000 $260,318 $4,545 2.95%
    Cash Out Refi 3,159 $837,715,000 $265,184 $5,648 3.24%
    Home Improvement 52 $10,500,000 $201,923 $4,934 3.25%
    NA 4 $790,000 $197,500 $6,190 3.44%

    For 2021, Hometown Lenders's most frequently cited loan purpose was Home Purchase, with 13,808 originations. The 2nd most popular reason was Refi, with 3,460 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 18,416 $5,062,560,000 $274,900 $6,209 3.19%
    15 Year 1,211 $250,555,000 $206,899 $4,417 2.71%
    20 Year 399 $93,375,000 $234,023 $4,764 3.01%
    Other 234 $50,550,000 $216,026 $5,391 3.13%
    10 Year 192 $14,560,000 $75,833 $3,763 3.27%
    3 Year 23 $195,000 $8,478 $0 0.26%
    5 Year 4 $40,000 $10,000 $0 0.00%
    30+ year 3 $55,000 $18,333 $0 0.00%
    1 Year 1 $15,000 $15,000 $0 0.00%

    For 2021, Hometown Lenders's most frequently cited loan duration was 30 Year, with 18,416 originations. The 2nd most popular length was 15 Year, with 1,211 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 10,163 $2,743,135,000 $269,914
    $2k-3k 3,101 $727,285,000 $234,532
    $3k-4k 2,047 $513,345,000 $250,779
    $<1k 1,993 $407,875,000 $204,654
    $5k+ 1,929 $726,615,000 $376,680
    $4k-5k 1,224 $348,240,000 $284,510

    Hometown Lenders's average total fees were $6,209, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 10,163 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 11,246 $2,938,180,000 $261,264
    2.5-3% 6,858 $2,037,870,000 $297,152
    <2.5% 1,557 $324,585,000 $208,468
    4-5% 749 $168,695,000 $225,227
    5-6% 42 $1,700,000 $40,476
    7-8% 16 $280,000 $17,500
    6-7% 2 $260,000 $130,000
    % 1 $185,000 $185,000

    During 2021, Hometown Lenders's average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 3-4%, with 11,246 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 9,514 $2,705,470,000 $284,367 $6,383 3.19%
    $100k-200k 6,077 $932,485,000 $153,445 $5,000 3.26%
    $400k-600k 2,872 $1,373,320,000 $478,175 $7,207 3.09%
    $100,000 or less 1,553 $87,195,000 $56,146 $4,110 2.59%
    $600k-1MM 404 $291,610,000 $721,807 $9,805 3.10%
    $1MM+ 63 $81,825,000 $1,298,810 $12,618 3.01%

    2021 saw Hometown Lenders place emphasis on $200k-400k loans with 9,514 originations, totaling $2,705,470,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 5,359 $1,160,455,000 $216,543 $6,125 3.14%
    $100k-150k 4,228 $1,344,320,000 $317,956 $6,274 3.14%
    $75k-100k 3,909 $1,045,255,000 $267,397 $6,361 3.15%
    $50k or less 3,395 $517,655,000 $152,476 $5,371 3.19%
    $150k-250k 2,279 $872,625,000 $382,898 $6,001 3.15%
    $250k+ 794 $378,650,000 $476,889 $6,574 3.19%

    Hometown Lenders lent most frequently to those with incomes in the $50k-75k range, with 5,359 originations. The second most popular income band? $100k-150k, with 4,228 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,894 $1,029,870,000 $264,476 $5,220 3.10%
    30-36% 3,589 $953,975,000 $265,805 $5,749 3.17%
    <20% 1,394 $313,750,000 $225,072 $4,628 2.91%
    50-60% 1,277 $336,255,000 $263,316 $9,480 3.21%
    44% 899 $249,575,000 $277,614 $6,288 3.20%
    42% 829 $229,155,000 $276,423 $6,110 3.22%
    41% 809 $216,735,000 $267,905 $6,068 3.24%
    43% 797 $218,045,000 $273,582 $6,165 3.19%
    40% 787 $216,145,000 $274,644 $6,154 3.22%
    39% 754 $202,300,000 $268,302 $5,891 3.20%
    38% 725 $201,405,000 $277,800 $6,032 3.16%
    37% 704 $192,820,000 $273,892 $6,108 3.13%
    36% 696 $192,140,000 $276,063 $6,077 3.16%
    49% 695 $190,045,000 $273,446 $6,621 3.19%
    45% 666 $180,590,000 $271,156 $6,265 3.20%
    47% 550 $156,290,000 $284,164 $6,826 3.24%
    46% 530 $146,090,000 $275,642 $6,622 3.20%
    48% 497 $137,005,000 $275,664 $6,709 3.24%
    >60% 65 $19,275,000 $296,538 $8,961 2.70%

    Hometown Lenders lent most frequently to those with DTI ratios of 20-30%, with 3,894 originations. The next most common DTI ratio? 30-36%, with 3,589 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 15,144 $3,933,470,000 $259,738 $5,904 3.15%
    Not provided 2,858 $854,730,000 $299,066 $6,228 3.12%
    Black 1,513 $373,665,000 $246,970 $7,292 3.22%
    Asian 808 $268,050,000 $331,745 $5,999 3.14%
    American Indian 108 $25,940,000 $240,185 $5,584 3.24%
    Native Hawaiian or Islander 41 $12,105,000 $295,244 $6,745 3.30%
    Asian Indian 4 $1,760,000 $440,000 $7,747 2.87%
    Other Asian 3 $1,005,000 $335,000 $4,378 2.83%
    2 $570,000 $285,000 $4,094 2.94%
    Filipino 1 $395,000 $395,000 $4,792 3.13%
    Japanese 1 $215,000 $215,000 $3,959 2.38%

    Approval Rates

    Total approvals of all applications
    98.10%

    Hometown Lenders 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
    70.80%

    Hometown Lenders has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 2 $20,000 $10,000
    NA 20,481 $5,471,885,000 $267,169

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    20,483 $5,471,905,000 $267,144

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 612 $112,950,000 $184,559 $3,953 2.88%
    40-60% 1,988 $508,140,000 $255,604 $4,469 2.99%
    60-80% 6,054 $1,716,240,000 $283,489 $5,220 3.22%
    80-100% 10,587 $2,902,465,000 $274,154 $6,685 3.26%
    Over 100% 380 $137,550,000 $361,974 $14,349 3.06%
    Under 20% 573 $12,115,000 $21,143 $3,347 1.36%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    HomeTown Lenders, LLC Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%