Northpointe Bank Mortgage Rates, Fees & Info
Grand Rapids, MILEI: 549300UXY7OP0IC38293
Tax ID: 38-3448372
4.1 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Overview
Northpointe Bank is a mid-sized bank specializing in Home Purchase and Refi loans. Northpointe Bank 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 include Denver, New York, Providence, Colorado Springs, and Atlanta among others. Northpointe Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Northpointe Bank is typically an average fee lendor.Originations
24,160Origination Dollar Volume (All Markets)
$7,384,930,000Employee count
1,233Awards
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Northpointe Bank - 2021
Northpointe Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Northpointe Bank's average 30 year fixed rate mortgage of loans were
3.21%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.06%.
Relative Fees
Northpointe Bank's average total fees for a 30 year fixed rate
mortgage are $5,505.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1,494 | $583,150,000 | $390,328 | $6,312 | 3.16% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1,384 | $551,020,000 | $398,136 | $7,652 | 3.13% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1,240 | $361,280,000 | $291,355 | $5,497 | 3.14% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 880 | $325,860,000 | $370,295 | $6,257 | 3.12% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 925 | $315,955,000 | $341,573 | $4,402 | 3.04% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1,066 | $267,340,000 | $250,788 | $3,509 | 3.07% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 716 | $256,320,000 | $357,989 | $6,523 | 3.11% |
| Outside of Metro Areas | 687 | $171,745,000 | $249,993 | $4,508 | 3.10% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 386 | $159,780,000 | $413,938 | $5,126 | 2.81% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 668 | $159,070,000 | $238,129 | $5,338 | 3.05% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 615 | $157,995,000 | $256,902 | $5,086 | 3.08% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 453 | $125,525,000 | $277,097 | $3,425 | 3.03% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 444 | $120,930,000 | $272,365 | $4,480 | 3.21% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 211 | $119,725,000 | $567,417 | $5,410 | 3.03% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 471 | $118,005,000 | $250,541 | $3,289 | 3.27% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 269 | $106,275,000 | $395,074 | $4,721 | 2.99% |
| READING, PA (FHA|USDA|VA) | 485 | $96,745,000 | $199,474 | $5,562 | 3.10% |
| RENO, NV (FHA|USDA|VA) | 264 | $94,710,000 | $358,750 | $5,659 | 3.22% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 260 | $90,600,000 | $348,462 | $5,653 | 3.22% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 219 | $80,165,000 | $366,050 | $5,252 | 3.23% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 301 | $79,315,000 | $263,505 | $5,554 | 3.05% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 185 | $76,015,000 | $410,892 | $7,136 | 3.05% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 235 | $73,745,000 | $313,809 | $6,718 | 3.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 154 | $69,430,000 | $450,844 | $6,182 | 3.10% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 327 | $68,925,000 | $210,780 | $3,875 | 3.17% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 184 | $67,960,000 | $369,348 | $6,652 | 3.20% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 198 | $67,600,000 | $341,414 | $4,214 | 3.02% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 182 | $61,440,000 | $337,582 | $4,018 | 3.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 210 | $58,880,000 | $280,381 | $5,218 | 2.95% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 194 | $57,870,000 | $298,299 | $5,434 | 3.23% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 240 | $57,640,000 | $240,167 | $3,308 | 3.04% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 172 | $56,870,000 | $330,640 | $4,884 | 3.08% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 183 | $55,625,000 | $303,962 | $4,362 | 3.18% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 254 | $51,930,000 | $204,449 | $5,722 | 3.25% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 171 | $50,975,000 | $298,099 | $6,203 | 3.21% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 219 | $49,505,000 | $226,050 | $5,500 | 3.00% |
| DOVER, DE (FHA|USDA|VA) | 194 | $48,640,000 | $250,722 | $6,525 | 3.12% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 144 | $48,490,000 | $336,736 | $6,694 | 3.12% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 198 | $48,250,000 | $243,687 | $3,960 | 3.03% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 165 | $47,505,000 | $287,909 | $4,972 | 3.03% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 82 | $47,330,000 | $577,195 | $4,220 | 2.92% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 143 | $45,775,000 | $320,105 | $4,102 | 3.15% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 150 | $38,200,000 | $254,667 | $4,092 | 3.09% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 87 | $37,635,000 | $432,586 | $5,879 | 3.29% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 99 | $36,595,000 | $369,646 | $4,322 | 3.12% |
| Holland, MI (FHA|USDA|VA) | 141 | $36,385,000 | $258,050 | $3,735 | 3.10% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 99 | $34,875,000 | $352,273 | $6,586 | 3.03% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 119 | $34,555,000 | $290,378 | $6,163 | 3.17% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 67 | $33,305,000 | $497,090 | $4,418 | 2.85% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 199 | $33,175,000 | $166,709 | $2,526 | 2.92% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 79 | $33,055,000 | $418,418 | $3,928 | 2.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 100 | $31,960,000 | $319,600 | $3,947 | 2.89% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 106 | $31,530,000 | $297,453 | $3,606 | 3.12% |
| WILMINGTON, NC (FHA|USDA|VA) | 102 | $29,790,000 | $292,059 | $3,899 | 3.02% |
| GREELEY, CO (FHA|USDA|VA) | 79 | $29,495,000 | $373,354 | $8,278 | 3.18% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 106 | $29,000,000 | $273,585 | $5,261 | 3.07% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 112 | $28,580,000 | $255,179 | $4,362 | 3.05% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 91 | $26,945,000 | $296,099 | $4,991 | 3.08% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 87 | $26,115,000 | $300,172 | $4,750 | 3.10% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 83 | $25,945,000 | $312,590 | $2,879 | 2.82% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 87 | $25,865,000 | $297,299 | $5,244 | 3.06% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 123 | $24,505,000 | $199,228 | $5,480 | 2.91% |
| PROVO-OREM, UT (FHA|USDA|VA) | 64 | $24,450,000 | $382,031 | $7,198 | 2.95% |
| COLUMBUS, OH (FHA|USDA|VA) | 93 | $24,225,000 | $260,484 | $4,298 | 3.29% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 95 | $23,985,000 | $252,474 | $7,452 | 3.03% |
| Glenwood Springs, CO (FHA|USDA|VA) | 60 | $20,280,000 | $338,000 | $4,297 | 3.12% |
| PUEBLO, CO (FHA|USDA|VA) | 70 | $17,660,000 | $252,286 | $5,602 | 3.15% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 98 | $17,600,000 | $179,592 | $3,888 | 3.23% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 106 | $16,810,000 | $158,585 | $4,969 | 3.31% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 54 | $15,770,000 | $292,037 | $3,893 | 3.18% |
| BOULDER, CO (FHA|USDA|VA) | 35 | $15,375,000 | $439,286 | $4,309 | 3.17% |
| KNOXVILLE, TN (FHA|USDA|VA) | 55 | $15,255,000 | $277,364 | $3,660 | 3.26% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 52 | $14,630,000 | $281,346 | $3,377 | 2.89% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 35 | $14,495,000 | $414,143 | $5,520 | 3.57% |
| MUSKEGON, MI (FHA|USDA|VA) | 85 | $14,375,000 | $169,118 | $2,919 | 3.24% |
| Sevierville, TN (FHA|USDA|VA) | 36 | $13,760,000 | $382,222 | $6,268 | 3.37% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 32 | $13,710,000 | $428,438 | $7,403 | 3.12% |
| Jefferson, GA (FHA|USDA|VA) | 50 | $13,230,000 | $264,600 | $4,194 | 3.03% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 47 | $13,115,000 | $279,043 | $4,633 | 3.18% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 40 | $12,920,000 | $323,000 | $5,856 | 3.27% |
| OCALA, FL (FHA|USDA|VA) | 45 | $12,785,000 | $284,111 | $5,824 | 3.35% |
| RICHMOND, VA (FHA|USDA|VA) | 38 | $11,920,000 | $313,684 | $4,540 | 2.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 49 | $11,735,000 | $239,490 | $6,338 | 3.11% |
| Fernley, NV (FHA|USDA|VA) | 45 | $11,615,000 | $258,111 | $5,791 | 3.22% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 52 | $11,550,000 | $222,115 | $5,284 | 3.09% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 37 | $11,375,000 | $307,432 | $4,639 | 2.93% |
| Breckenridge, CO (FHA|USDA|VA) | 22 | $10,920,000 | $496,364 | $4,966 | 3.15% |
| FORT COLLINS, CO (FHA|USDA|VA) | 31 | $10,825,000 | $349,194 | $6,275 | 3.06% |
| PITTSBURGH, PA (FHA|USDA|VA) | 46 | $10,560,000 | $229,565 | $4,502 | 3.09% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 44 | $10,470,000 | $237,955 | $5,099 | 2.98% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 17 | $10,275,000 | $604,412 | $4,847 | 2.63% |
| STOCKTON, CA (FHA|USDA|VA) | 25 | $10,195,000 | $407,800 | $3,726 | 3.18% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 35 | $9,855,000 | $281,571 | $4,350 | 3.27% |
| LANCASTER, PA (FHA|USDA|VA) | 44 | $9,850,000 | $223,864 | $5,216 | 2.99% |
| TUCSON, AZ (FHA|USDA|VA) | 34 | $9,830,000 | $289,118 | $3,316 | 3.03% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 50 | $9,660,000 | $193,200 | $3,476 | 3.31% |
| BOISE CITY, ID (FHA|USDA|VA) | 25 | $9,075,000 | $363,000 | $4,833 | 2.92% |
| LEBANON, PA (FHA|USDA|VA) | 40 | $8,990,000 | $224,750 | $5,651 | 3.05% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 31 | $8,925,000 | $287,903 | $3,554 | 3.23% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 34 | $8,630,000 | $253,824 | $3,350 | 3.19% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 14 | $8,400,000 | $600,000 | $8,055 | 2.99% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 39 | $8,265,000 | $211,923 | $4,120 | 2.99% |
| VALLEJO, CA (FHA|USDA|VA) | 22 | $8,220,000 | $373,636 | $5,241 | 3.01% |
| GAINESVILLE, GA (FHA|USDA|VA) | 26 | $8,120,000 | $312,308 | $4,090 | 3.11% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 39 | $8,005,000 | $205,256 | $4,606 | 3.24% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 41 | $7,835,000 | $191,098 | $5,271 | 3.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 30 | $7,690,000 | $256,333 | $3,222 | 3.10% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 15 | $7,675,000 | $511,667 | $4,502 | 2.95% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 34 | $7,640,000 | $224,706 | $4,163 | 3.11% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 18 | $7,500,000 | $416,667 | $6,682 | 3.21% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 28 | $7,500,000 | $267,857 | $5,203 | 3.39% |
| GETTYSBURG, PA (FHA|USDA|VA) | 33 | $7,475,000 | $226,515 | $5,192 | 3.02% |
| COLUMBIA, SC (FHA|USDA|VA) | 31 | $6,925,000 | $223,387 | $4,230 | 3.22% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 25 | $6,835,000 | $273,400 | $5,450 | 3.23% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 18 | $6,780,000 | $376,667 | $4,227 | 3.04% |
| Heber, UT (FHA|USDA|VA) | 9 | $6,595,000 | $732,778 | $8,403 | 3.07% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 22 | $6,580,000 | $299,091 | $4,939 | 2.78% |
| ASHEVILLE, NC (FHA|USDA|VA) | 18 | $6,560,000 | $364,444 | $4,652 | 3.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 30 | $6,540,000 | $218,000 | $4,712 | 3.26% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 25 | $6,485,000 | $259,400 | $2,821 | 2.81% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 13 | $6,455,000 | $496,538 | $4,825 | 2.91% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 20 | $6,220,000 | $311,000 | $3,587 | 2.81% |
| CARSON CITY, NV (FHA|USDA|VA) | 20 | $6,130,000 | $306,500 | $5,285 | 3.47% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 19 | $6,065,000 | $319,211 | $5,407 | 2.93% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 26 | $5,970,000 | $229,615 | $6,199 | 3.26% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 21 | $5,965,000 | $284,048 | $5,821 | 3.10% |
| Outside of Metro Areas | 17 | $5,775,000 | $339,706 | $4,499 | 3.30% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 24 | $5,760,000 | $240,000 | $4,609 | 3.08% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 17 | $5,685,000 | $334,412 | $4,631 | 2.95% |
| FRESNO, CA (FHA|USDA|VA) | 16 | $5,650,000 | $353,125 | $4,331 | 3.29% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 16 | $5,540,000 | $346,250 | $5,041 | 3.12% |
| ANN ARBOR, MI (FHA|USDA|VA) | 18 | $5,380,000 | $298,889 | $3,135 | 2.94% |
| Cañon City, CO (FHA|USDA|VA) | 17 | $5,375,000 | $316,176 | $5,188 | 3.28% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 10 | $5,250,000 | $525,000 | $7,628 | 3.15% |
| DuBois, PA (FHA|USDA|VA) | 35 | $5,145,000 | $147,000 | $5,718 | 3.35% |
| SAVANNAH, GA (FHA|USDA|VA) | 19 | $5,125,000 | $269,737 | $7,514 | 3.34% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 18 | $5,080,000 | $282,222 | $4,869 | 3.49% |
| JOPLIN, MO (FHA|USDA|VA) | 30 | $5,080,000 | $169,333 | $2,705 | 2.83% |
| LOGAN, UT-ID (FHA|USDA|VA) | 17 | $5,055,000 | $297,353 | $5,414 | 2.96% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 15 | $4,965,000 | $331,000 | $3,318 | 2.84% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 17 | $4,835,000 | $284,412 | $5,481 | 2.80% |
| AKRON, OH (FHA|USDA|VA) | 27 | $4,585,000 | $169,815 | $3,205 | 3.41% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 21 | $4,585,000 | $218,333 | $6,543 | 3.21% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 23 | $4,465,000 | $194,130 | $4,281 | 3.10% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 10 | $4,440,000 | $444,000 | $3,362 | 2.85% |
| Traverse City, MI (FHA|USDA|VA) | 13 | $4,345,000 | $334,231 | $4,011 | 2.96% |
| PANAMA CITY, FL (FHA|USDA|VA) | 12 | $4,150,000 | $345,833 | $7,316 | 3.95% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 14 | $4,110,000 | $293,571 | $5,643 | 3.34% |
| IOWA CITY, IA (FHA|USDA|VA) | 14 | $4,040,000 | $288,571 | $3,633 | 3.05% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 12 | $4,030,000 | $335,833 | $4,624 | 2.95% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 13 | $3,995,000 | $307,308 | $2,581 | 2.68% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 18 | $3,950,000 | $219,444 | $4,131 | 3.15% |
| Lebanon, MO (FHA|USDA|VA) | 19 | $3,915,000 | $206,053 | $2,518 | 3.05% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 10 | $3,910,000 | $391,000 | $8,461 | 3.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 14 | $3,840,000 | $274,286 | $6,752 | 3.13% |
| NAPA, CA (FHA|USDA|VA) | 6 | $3,810,000 | $635,000 | $7,132 | 2.71% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 14 | $3,760,000 | $268,571 | $4,142 | 3.13% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 14 | $3,710,000 | $265,000 | $6,109 | 3.38% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 9 | $3,605,000 | $400,556 | $7,064 | 3.00% |
| Morehead City, NC (FHA|USDA|VA) | 9 | $3,555,000 | $395,000 | $3,212 | 2.82% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 10 | $3,540,000 | $354,000 | $3,000 | 3.15% |
| Vernal, UT (FHA|USDA|VA) | 16 | $3,460,000 | $216,250 | $7,044 | 3.03% |
| Edwards, CO (FHA|USDA|VA) | 6 | $3,390,000 | $565,000 | $5,069 | 3.35% |
| Corsicana, TX (FHA|USDA|VA) | 16 | $3,340,000 | $208,750 | $8,493 | 2.97% |
| MONTGOMERY, AL (FHA|USDA|VA) | 26 | $3,310,000 | $127,308 | $5,635 | 3.68% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $3,310,000 | $551,667 | $7,158 | 3.17% |
| SANTA FE, NM (FHA|USDA|VA) | 11 | $3,295,000 | $299,545 | $4,612 | 2.89% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 16 | $3,170,000 | $198,125 | $3,538 | 3.29% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 8 | $3,120,000 | $390,000 | $4,936 | 2.99% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 15 | $3,065,000 | $204,333 | $3,814 | 2.87% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 9 | $2,975,000 | $330,556 | $4,508 | 2.73% |
| Pottsville, PA (FHA|USDA|VA) | 15 | $2,975,000 | $198,333 | $5,130 | 3.19% |
| GREENVILLE, NC (FHA|USDA|VA) | 15 | $2,955,000 | $197,000 | $4,277 | 3.17% |
| ROANOKE, VA (FHA|USDA|VA) | 9 | $2,905,000 | $322,778 | $3,022 | 2.79% |
| FLINT, MI (FHA|USDA|VA) | 17 | $2,885,000 | $169,706 | $3,205 | 2.90% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 11 | $2,875,000 | $261,364 | $4,825 | 3.37% |
| TULSA, OK (FHA|USDA|VA) | 15 | $2,835,000 | $189,000 | $4,224 | 3.37% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $2,785,000 | $557,000 | $6,888 | 2.88% |
| Lebanon, NH-VT (FHA|USDA|VA) | 10 | $2,760,000 | $276,000 | $4,054 | 3.15% |
| GAINESVILLE, FL (FHA|USDA|VA) | 11 | $2,725,000 | $247,727 | $4,657 | 3.04% |
| Richmond-Berea, KY (FHA|USDA|VA) | 13 | $2,705,000 | $208,077 | $4,756 | 3.18% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $2,530,000 | $421,667 | $8,524 | 3.10% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $2,525,000 | $505,000 | $6,779 | 3.33% |
| SALEM, OR (FHA|USDA|VA) | 6 | $2,460,000 | $410,000 | $5,898 | 2.94% |
| NILES, MI (FHA|USDA|VA) | 11 | $2,455,000 | $223,182 | $3,342 | 2.79% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 8 | $2,430,000 | $303,750 | $4,001 | 3.22% |
| ANCHORAGE, AK (FHA|USDA|VA) | 9 | $2,335,000 | $259,444 | $4,817 | 3.54% |
| JACKSON, MI (FHA|USDA|VA) | 15 | $2,295,000 | $153,000 | $3,633 | 3.22% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 5 | $2,275,000 | $455,000 | $3,681 | 2.98% |
| Fallon, NV (FHA|USDA|VA) | 9 | $2,265,000 | $251,667 | $6,644 | 3.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 8 | $2,260,000 | $282,500 | $5,601 | 3.05% |
| EL PASO, TX (FHA|USDA|VA) | 15 | $2,235,000 | $149,000 | $5,408 | 2.87% |
| Kalispell, MT (FHA|USDA|VA) | 4 | $2,220,000 | $555,000 | $7,395 | 3.06% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $3,049 | 2.48% |
| BATON ROUGE, LA (FHA|USDA|VA) | 8 | $2,190,000 | $273,750 | $5,842 | 3.03% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 9 | $2,175,000 | $241,667 | $5,740 | 2.82% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 7 | $2,165,000 | $309,286 | $3,798 | 3.21% |
| Bennington, VT (FHA|USDA|VA) | 5 | $2,145,000 | $429,000 | $7,817 | 3.03% |
| MISSOULA, MT (FHA|USDA|VA) | 7 | $2,125,000 | $303,571 | $3,909 | 3.23% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $2,085,000 | $297,857 | $3,444 | 2.71% |
| MOBILE, AL (FHA|USDA|VA) | 9 | $2,065,000 | $229,444 | $4,205 | 3.11% |
| HINESVILLE, GA (FHA|USDA|VA) | 11 | $2,045,000 | $185,909 | $6,912 | 3.00% |
| Bardstown, KY (FHA|USDA|VA) | 8 | $2,040,000 | $255,000 | $3,210 | 2.91% |
| Cullowhee, NC (FHA|USDA|VA) | 5 | $2,015,000 | $403,000 | $6,133 | 3.93% |
| Sandpoint, ID (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $6,460 | 3.07% |
| VISALIA, CA (FHA|USDA|VA) | 8 | $1,980,000 | $247,500 | $4,611 | 2.60% |
| Montrose, CO (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $4,077 | 3.07% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 9 | $1,965,000 | $218,333 | $4,064 | 3.29% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 9 | $1,965,000 | $218,333 | $4,053 | 3.10% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $3,851 | 2.95% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 12 | $1,950,000 | $162,500 | $3,264 | 3.11% |
| DOTHAN, AL (FHA|USDA|VA) | 10 | $1,940,000 | $194,000 | $4,087 | 2.90% |
| MORRISTOWN, TN (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $4,551 | 3.31% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 8 | $1,900,000 | $237,500 | $3,551 | 3.58% |
| Georgetown, SC (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $3,234 | 2.88% |
| Hilo, HI (FHA|USDA|VA) | 5 | $1,825,000 | $365,000 | $11,084 | 3.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 10 | $1,820,000 | $182,000 | $3,329 | 3.12% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 8 | $1,810,000 | $226,250 | $3,461 | 3.30% |
| RAPID CITY, SD (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $5,528 | 3.33% |
| BEND, OR (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $6,372 | 4.28% |
| Key West, FL (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $6,328 | 3.06% |
| Fort Morgan, CO (FHA|USDA|VA) | 8 | $1,710,000 | $213,750 | $4,655 | 3.06% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $4,775 | 2.81% |
| Steamboat Springs, CO (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $3,051 | 3.67% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 7 | $1,665,000 | $237,857 | $4,225 | 3.09% |
| Durango, CO (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $4,350 | 3.55% |
| Lewisburg, TN (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $4,362 | 3.37% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 10 | $1,590,000 | $159,000 | $3,818 | 3.69% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $4,131 | 2.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 9 | $1,575,000 | $175,000 | $2,863 | 3.29% |
| Cadillac, MI (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $2,618 | 2.98% |
| Frankfort, KY (FHA|USDA|VA) | 8 | $1,510,000 | $188,750 | $5,036 | 3.20% |
| Bedford, IN (FHA|USDA|VA) | 9 | $1,485,000 | $165,000 | $3,311 | 3.12% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $5,594 | 3.25% |
| Warsaw, IN (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $2,298 | 3.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 8 | $1,430,000 | $178,750 | $4,782 | 3.42% |
| LAS CRUCES, NM (FHA|USDA|VA) | 8 | $1,430,000 | $178,750 | $3,950 | 2.77% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 7 | $1,415,000 | $202,143 | $4,646 | 3.37% |
| Oak Harbor, WA (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $4,118 | 3.11% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 11 | $1,395,000 | $126,818 | $4,065 | 3.35% |
| MIDLAND, MI (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $2,904 | 2.84% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $4,885 | 3.72% |
| Torrington, CT (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $4,713 | 3.45% |
| LINCOLN, NE (FHA|USDA|VA) | 7 | $1,365,000 | $195,000 | $6,310 | 3.11% |
| Rockport, TX (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $6,971 | 3.13% |
| Danville, KY (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $5,101 | 3.04% |
| BANGOR, ME (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $4,331 | 3.15% |
| LONGVIEW, WA (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $6,662 | 2.99% |
| North Wilkesboro, NC (FHA|USDA|VA) | 7 | $1,335,000 | $190,714 | $4,781 | 3.58% |
| Granbury, TX (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $5,855 | 3.48% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $4,249 | 2.79% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $3,482 | 3.13% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $2,161 | 3.06% |
| MADISON, WI (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $3,388 | 3.16% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $6,553 | 3.11% |
| WICHITA, KS (FHA|USDA|VA) | 8 | $1,290,000 | $161,250 | $3,233 | 3.31% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 8 | $1,280,000 | $160,000 | $3,762 | 3.44% |
| JACKSON, MS (FHA|USDA|VA) | 8 | $1,270,000 | $158,750 | $3,781 | 3.42% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $5,127 | 3.29% |
| HAMMOND, LA (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $3,996 | 2.90% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 9 | $1,255,000 | $139,444 | $5,793 | 3.14% |
| LYNCHBURG, VA (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $5,182 | 3.55% |
| Laconia, NH (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $3,982 | 3.32% |
| Cornelia, GA (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $4,246 | 2.69% |
| FLORENCE, SC (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $7,293 | 3.25% |
| MONROE, MI (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $2,672 | 3.09% |
| STAUNTON, VA (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $2,290 | 2.44% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $4,692 | 2.90% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $4,079 | 2.85% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $2,968 | 2.67% |
| CLEVELAND, TN (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $4,927 | 3.50% |
| MIDLAND, TX (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $4,155 | 2.84% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $4,752 | 3.03% |
| Angola, IN (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $3,067 | 2.65% |
| ST. GEORGE, UT (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $4,942 | 3.04% |
| Gainesville, TX (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $4,916 | 3.42% |
| Whitewater, WI (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $2,934 | 3.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $4,185 | 3.49% |
| Ukiah, CA (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $2,447 | 2.96% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $1,130,000 | $188,333 | $4,194 | 4.17% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $4,342 | 2.88% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $1,904 | 4.00% |
| Kerrville, TX (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $7,048 | 3.00% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 9 | $1,095,000 | $121,667 | $2,914 | 3.47% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $4,745 | 3.46% |
| Rexburg, ID (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $4,419 | 2.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $4,475 | 2.89% |
| ROCHESTER, MN (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $2,760 | 2.84% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $2,493 | 3.06% |
| Cambridge, MD (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $6,044 | 2.88% |
| Seneca, SC (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $3,746 | 2.81% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $5,779 | 2.97% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $1,000,000 | $125,000 | $5,842 | 3.85% |
| Branson, MO (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $3,275 | 3.62% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $5,452 | 3.31% |
| Toccoa, GA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $4,042 | 2.96% |
| Selma, AL (FHA|USDA|VA) | 7 | $965,000 | $137,857 | $6,259 | 3.34% |
| Elko, NV (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $7,281 | 2.97% |
| Boone, NC (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $4,522 | 3.06% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $3,424 | 3.13% |
| COLUMBUS, IN (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $3,097 | 3.13% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $4,109 | 2.58% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $3,544 | 3.50% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $3,707 | 3.31% |
| GADSDEN, AL (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $5,488 | 3.13% |
| LAWTON, OK (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $6,393 | 3.10% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,278 | 3.00% |
| Taos, NM (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $7,025 | 3.46% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 9 | $875,000 | $97,222 | $4,254 | 3.81% |
| MANSFIELD, OH (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $9,980 | 2.89% |
| Washington, NC (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,533 | 2.92% |
| Mount Sterling, KY (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $3,665 | 2.98% |
| TYLER, TX (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $5,849 | 3.33% |
| Sanford, NC (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,786 | 3.34% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $5,753 | 3.25% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,913 | 2.94% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $5,117 | 2.75% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $4,850 | 2.44% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $7,403 | 2.88% |
| Big Rapids, MI (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,707 | 3.04% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,211 | 2.71% |
| DULUTH, MN-WI (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,483 | 2.54% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,638 | 3.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $3,156 | 2.95% |
| LONGVIEW, TX (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $5,593 | 3.27% |
| BURLINGTON, NC (FHA|USDA|VA) | 6 | $770,000 | $128,333 | $2,922 | 3.06% |
| FAIRBANKS, AK (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $6,378 | 3.22% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,607 | 2.38% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,167 | 2.94% |
| Astoria, OR (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,811 | 3.08% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $4,983 | 4.00% |
| Scottsburg, IN (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $5,086 | 3.03% |
| Concord, NH (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,672 | 2.63% |
| Sonora, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $4,173 | 2.81% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $8,086 | 3.63% |
| COLUMBIA, MO (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,675 | 2.92% |
| Shelton, WA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $5,346 | 3.04% |
| REDDING, CA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $4,211 | 3.19% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,236 | 3.07% |
| Findlay, OH (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,027 | 3.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,845 | 3.25% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $2,855 | 2.88% |
| Craig, CO (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $6,167 | 3.04% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,770 | 3.44% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $5,680 | 2.90% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,259 | 2.94% |
| BAY CITY, MI (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $2,759 | 2.87% |
| Athens, TN (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,818 | 2.96% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $6,455 | 3.13% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $4,350 | 2.91% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $19,346 | 4.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $4,130 | 4.00% |
| Cullman, AL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $12,587 | 2.69% |
| Hudson, NY (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,243 | 4.25% |
| Shelby, NC (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $4,836 | 3.13% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $4,451 | 3.38% |
| MADERA, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,416 | 3.06% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,716 | 2.69% |
| Hutchinson, KS (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,545 | 2.58% |
| Sandusky, OH (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,749 | 3.23% |
| CASPER, WY (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,666 | 3.06% |
| Wilson, NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,546 | 3.19% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,174 | 3.25% |
| Natchitoches, LA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,455 | 3.19% |
| Payson, AZ (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,383 | 3.75% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,494 | 3.43% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,919 | 2.63% |
| Price, UT (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,680 | 2.44% |
| Shelbyville, TN (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,286 | 3.50% |
| Waycross, GA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,676 | 3.33% |
| DECATUR, AL (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $4,645 | 3.75% |
| Lewistown, PA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $4,884 | 3.13% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,754 | 3.00% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,094 | 2.69% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,914 | 3.25% |
| Jasper, AL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $7,808 | 3.67% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,905 | 4.38% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,538 | 2.56% |
| FOND DU LAC, WI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,277 | 3.44% |
| Española, NM (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,537 | 3.25% |
| Huntingdon, PA (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $4,399 | 3.47% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,400 | 3.19% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $4,014 | 3.38% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,572 | 3.13% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,355 | 3.00% |
| Lake City, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,322 | 2.69% |
| Columbus, MS (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $8,124 | 3.19% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,268 | 3.25% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,039 | 1.88% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,324 | 2.25% |
| Marion, OH (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,118 | 3.42% |
| Riverton, WY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,316 | 3.38% |
| Laramie, WY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,284 | 2.81% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,289 | 3.56% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $7,477 | 2.88% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,870 | 3.13% |
| DALTON, GA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $4,226 | 2.54% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,513 | 2.75% |
| Somerset, KY (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $0 | 3.71% |
| Enterprise, AL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,847 | 3.67% |
| MUNCIE, IN (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,743 | 3.67% |
| Marion, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,116 | 2.44% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,819 | 3.25% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,283 | 2.63% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $1,873 | 2.95% |
| Mount Pleasant, MI (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,095 | 2.79% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,785 | 3.06% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,478 | 2.69% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,991 | 3.31% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,284 | 3.31% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,885 | 2.88% |
| Searcy, AR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,675 | 2.88% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,955 | 2.88% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,547 | 3.63% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,690 | 2.93% |
| ALTOONA, PA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,634 | 2.63% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,232 | 3.81% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,241 | 3.31% |
| Easton, MD (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,024 | 2.75% |
| Bellefontaine, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,801 | 3.25% |
| Newport, TN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,137 | 2.94% |
| CHICO, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,468 | 2.63% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,939 | 3.13% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,646 | 2.88% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,908 | 2.38% |
| Starkville, MS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $500 | 3.13% |
| Rolla, MO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,962 | 2.88% |
| Picayune, MS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,189 | 2.81% |
| Campbellsville, KY (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $3,242 | 2.88% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,540 | 2.25% |
| Lawrenceburg, TN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,806 | 3.06% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,114 | 3.25% |
| Brevard, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,684 | 2.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,628 | 2.50% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,181 | 3.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,568 | 3.25% |
| Kearney, NE (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,901 | 2.94% |
| SAN ANGELO, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,114 | 2.69% |
| Hood River, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,952 | 2.00% |
| Cambridge, OH (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $4,801 | 3.29% |
| Ludington, MI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,996 | 2.87% |
| Andrews, TX (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,407 | 2.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,779 | 3.44% |
| Columbus, NE (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,141 | 3.38% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,052 | 2.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,478 | 3.25% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.38% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,414 | 3.38% |
| Norwalk, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,032 | 3.31% |
| ERIE, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,683 | 3.50% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,951 | 2.50% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,354 | 2.00% |
| Prineville, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,420 | 3.38% |
| Sterling, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,413 | 3.13% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,639 | 3.00% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,303 | 2.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,971 | 3.44% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,131 | 3.31% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,057 | 3.63% |
| Alma, MI (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $4,825 | 4.00% |
| Malvern, AR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,097 | 2.63% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,972 | 2.38% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,667 | 2.69% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,737 | 3.25% |
| Evanston, WY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,731 | 2.50% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,660 | 2.95% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,355 | 3.18% |
| Americus, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,939 | 2.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.38% |
| New Castle, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,720 | 3.38% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,802 | 3.50% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $17,499 | 3.13% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,293 | 3.00% |
| DECATUR, IL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,605 | 2.94% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,939 | 2.13% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,889 | 2.93% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,263 | 3.25% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,845 | 2.50% |
| Rutland, VT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,890 | 2.88% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,478 | 3.25% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,086 | 3.50% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,299 | 2.81% |
| Oneonta, NY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,941 | 2.81% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,381 | 3.25% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,071 | 2.63% |
| Ashland, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,279 | 2.88% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,655 | 2.63% |
| Forest City, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,883 | 3.25% |
| Martin, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,688 | 4.50% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,318 | 2.88% |
| Richmond, IN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $10,501 | 3.88% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,275 | 2.63% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.00% |
| Vermillion, SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,097 | 2.25% |
| Ozark, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,165 | 2.88% |
| Minot, ND (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,026 | 3.25% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,845 | 3.25% |
| Sunbury, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,657 | 3.06% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,648 | 2.75% |
| Marietta, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,976 | 3.38% |
| MONROE, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,594 | 3.25% |
| UTICA-ROME, NY (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,547 | 3.50% |
| Dixon, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,988 | 3.75% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,623 | 2.63% |
| Dublin, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,383 | 3.56% |
| Sturgis, MI (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,877 | 3.38% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,261 | 2.99% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,479 | 2.88% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,371 | 3.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,839 | 3.50% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,786 | 3.38% |
| Brownsville, TN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,978 | 3.81% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,633 | 2.75% |
| Hays, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,440 | 3.25% |
| Batesville, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.63% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,464 | 3.63% |
| Atchison, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,456 | 3.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,318 | 3.25% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,746 | 3.38% |
| Harrison, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.75% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,187 | 3.38% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,607 | 3.38% |
| Salina, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.13% |
| Brookings, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,748 | 2.88% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,578 | 3.38% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,792 | 3.13% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,202 | 3.63% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,359 | 3.63% |
| Warren, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,207 | 4.88% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,918 | 2.63% |
| Wooster, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,967 | 2.88% |
| Adrian, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,022 | 2.95% |
| Madison, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,201 | 3.00% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,043 | 3.13% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,461 | 2.75% |
| Grenada, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,313 | 2.63% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,497 | 2.63% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,620 | 2.63% |
| Fairfield, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,344 | 3.00% |
| Maysville, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,522 | 2.88% |
| Centralia, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,783 | 2.88% |
| Troy, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,764 | 3.38% |
| Washington, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,983 | 3.25% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 4.56% |
| Houghton, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,782 | 3.49% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,182 | 2.13% |
| Pullman, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,479 | 3.13% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,221 | 2.25% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,738 | 2.95% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,713 | 3.25% |
| La Grande, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,784 | 3.13% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,253 | 2.25% |
| Vincennes, IN (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $2,202 | 3.10% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,573 | 3.25% |
| Beeville, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,449 | 2.25% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,704 | 2.63% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,159 | 3.75% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,621 | 3.25% |
| Salem, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,067 | 3.88% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,579 | 2.88% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,632 | 3.25% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,057 | 3.25% |
| Selinsgrove, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,643 | 2.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| Jennings, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,411 | 3.25% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,050 | 3.38% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,033 | 2.38% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,795 | 3.25% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,133 | 2.38% |
| Clinton, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,488 | 2.88% |
| Fremont, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,694 | 3.50% |
| Platteville, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,883 | 2.75% |
| ENID, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.25% |
| Sidney, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,884 | 3.50% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,347 | 3.88% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,790 | 3.25% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,010 | 2.88% |
| Ottumwa, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,442 | 3.88% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,225 | 3.25% |
| Newberry, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.50% |
| Athens, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,028 | 3.38% |
| Meridian, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.63% |
| Winfield, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,722 | 2.88% |
| Freeport, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.25% |
| McAlester, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,027 | 2.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 4.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,799 | 3.25% |
Northpointe Bank's top markets include Denver, New York, Providence, Colorado Springs, and Atlanta among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 20,177 | $6,187,485,000 | $306,660 | $4,446 | 3.14% |
| FHA | 2,287 | $646,685,000 | $282,766 | $9,660 | 3.07% |
| VA | 1,421 | $497,225,000 | $349,912 | $7,334 | 2.75% |
| USDA | 275 | $53,535,000 | $194,673 | $5,804 | 2.73% |
For the 2021 period, Northpointe Bank's most frequently originated loan type of loans were Conventional, with 20,177 originations. Their 2nd most popular type is FHA, with 2,287 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 12,022 | $3,831,870,000 | $318,738 | $6,237 | 3.23% |
| Refi | 7,363 | $2,142,265,000 | $290,950 | $3,707 | 2.86% |
| Cash Out Refi | 4,775 | $1,410,795,000 | $295,454 | $4,818 | 3.19% |
For the 2021, Northpointe Bank's most frequently cited loan purpose of loans were Home Purchase, with 12,022 originations. The 2nd most popular reason of loans were Refi, with 7,363 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 20,372 | $6,425,180,000 | $315,393 | $5,505 | 3.21% |
| 15 Year | 2,777 | $700,235,000 | $252,155 | $3,415 | 2.47% |
| 20 Year | 559 | $143,015,000 | $255,841 | $3,675 | 2.93% |
| 10 Year | 229 | $42,315,000 | $184,782 | $2,916 | 2.31% |
| Other | 212 | $61,700,000 | $291,038 | $3,181 | 2.95% |
| 30+ year | 7 | $11,045,000 | $1,577,857 | $24,530 | 4.43% |
| 1 Year | 3 | $1,325,000 | $441,667 | $13,390 | 5.08% |
| 5 Year | 1 | $115,000 | $115,000 | $1,799 | 2.13% |
For the 2021, Northpointe Bank's most frequently cited loan length of loans were 30 Year, with 20,372 originations. The 2nd most popular length of loans were 15 Year, with 2,777 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 11,921 | $3,625,435,000 | $304,122 |
| $<1k | 3,830 | $1,033,710,000 | $269,898 |
| $2k-3k | 2,477 | $730,035,000 | $294,725 |
| $3k-4k | 2,423 | $811,505,000 | $334,917 |
| $5k+ | 1,584 | $770,870,000 | $486,660 |
$5,505 of loans were Northpointe Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 11,921 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 10,392 | $3,221,430,000 | $309,991 |
| 2.5-3% | 9,221 | $2,896,625,000 | $314,133 |
| <2.5% | 3,112 | $872,050,000 | $280,222 |
| 4-5% | 1,229 | $350,245,000 | $284,984 |
| 5-6% | 201 | $40,695,000 | $202,463 |
| 6-7% | 4 | $3,500,000 | $875,000 |
| 7-8% | 1 | $385,000 | $385,000 |
During 2021, Northpointe Bank's average interest rate of loans were 3.21%, while their most frequently originated rate bucket of loans were 3-4%, with 10,392 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 11,743 | $3,394,235,000 | $289,043 | $5,162 | 3.07% |
| $100k-200k | 5,793 | $895,935,000 | $154,658 | $3,788 | 3.12% |
| $400k-600k | 4,405 | $2,110,915,000 | $479,209 | $6,268 | 3.05% |
| $100,000 or less | 1,195 | $88,505,000 | $74,063 | $2,930 | 3.48% |
| $600k-1MM | 796 | $582,370,000 | $731,621 | $8,776 | 3.27% |
| $1MM+ | 228 | $312,970,000 | $1,372,675 | $13,244 | 3.42% |
2021 saw Northpointe Bank place emphasis on $200k-400k loans with 11,743 originations, totaling $3,394,235,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 5,605 | $1,795,015,000 | $320,252 | $5,119 | 3.10% |
| $50k-75k | 4,945 | $1,165,895,000 | $235,772 | $5,280 | 3.08% |
| $75k-100k | 4,240 | $1,191,400,000 | $280,991 | $5,529 | 3.09% |
| $150k-250k | 4,071 | $1,541,725,000 | $378,709 | $5,015 | 3.11% |
| $50k or less | 2,588 | $424,300,000 | $163,949 | $4,415 | 3.12% |
| $250k+ | 1,974 | $1,039,350,000 | $526,520 | $6,253 | 3.20% |
Northpointe Bank lent most frequently to those with incomes in the $100k-150k range, with 5,605 originations. The second most popular income band? $50k-75k, with 4,945 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 5,101 | $1,494,965,000 | $293,073 | $4,376 | 3.04% |
| 30-36% | 4,244 | $1,304,240,000 | $307,314 | $4,786 | 3.12% |
| <20% | 2,038 | $579,450,000 | $284,323 | $3,939 | 2.97% |
| 42% | 957 | $329,545,000 | $344,352 | $5,738 | 3.19% |
| 44% | 933 | $282,365,000 | $302,642 | $5,633 | 3.18% |
| 50-60% | 931 | $294,735,000 | $316,579 | $9,256 | 3.01% |
| 40% | 925 | $291,795,000 | $315,454 | $5,412 | 3.17% |
| 41% | 905 | $289,895,000 | $320,326 | $5,287 | 3.20% |
| 38% | 896 | $274,580,000 | $306,451 | $5,236 | 3.16% |
| 43% | 885 | $268,425,000 | $303,305 | $5,695 | 3.19% |
| 39% | 864 | $279,870,000 | $323,924 | $5,666 | 3.17% |
| 37% | 829 | $260,535,000 | $314,276 | $5,265 | 3.17% |
| 36% | 810 | $240,560,000 | $296,988 | $4,956 | 3.14% |
| 49% | 705 | $227,715,000 | $323,000 | $6,370 | 3.14% |
| 46% | 684 | $208,880,000 | $305,380 | $5,945 | 3.13% |
| 45% | 663 | $207,305,000 | $312,677 | $5,844 | 3.15% |
| 47% | 644 | $198,910,000 | $308,866 | $5,941 | 3.14% |
| 48% | 584 | $181,430,000 | $310,668 | $5,763 | 3.10% |
| >60% | 17 | $5,915,000 | $347,941 | $6,292 | 3.06% |
Northpointe Bank lent most frequently to those with DTI ratios of 20-30%, with 5,101 originations. The next most common DTI ratio? 30-36%, with 4,244 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 16,792 | $5,052,090,000 | $300,863 | $5,020 | 3.09% |
| Not provided | 4,624 | $1,511,530,000 | $326,888 | $5,409 | 3.14% |
| Black | 1,424 | $395,770,000 | $277,928 | $6,493 | 3.18% |
| Asian | 1,110 | $360,760,000 | $325,009 | $4,908 | 3.13% |
| American Indian | 142 | $39,700,000 | $279,577 | $5,949 | 3.16% |
| Asian Indian | 21 | $9,425,000 | $448,810 | $5,149 | 3.00% |
| Native Hawaiian | 25 | $8,825,000 | $353,000 | $7,570 | 3.09% |
| Other Asian | 15 | $4,115,000 | $274,333 | $3,911 | 3.22% |
| Other Pacific Islander | 3 | $1,305,000 | $435,000 | $4,891 | 3.13% |
| Native Hawiian | 2 | $700,000 | $350,000 | $7,651 | 3.19% |
| Filipino | 1 | $465,000 | $465,000 | $8,915 | 2.95% |
| Chinese | 1 | $245,000 | $245,000 | $2,969 | 3.49% |
Approval Rates
Total approvals of all applications97.82%
Northpointe Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination66.32%
Northpointe Bank 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 | 24,160 | $7,384,930,000 | $305,668 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 24,160 | $7,384,930,000 | $305,668 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 1,126 | $227,110,000 | $201,696 | $3,396 | 2.89% |
| 40-60% | 3,751 | $1,077,345,000 | $287,215 | $3,767 | 2.89% |
| 60-80% | 9,486 | $3,022,710,000 | $318,650 | $4,618 | 3.18% |
| 80-100% | 9,265 | $2,913,325,000 | $314,444 | $6,216 | 3.14% |
| Over 100% | 337 | $121,435,000 | $360,341 | $12,754 | 2.88% |
| Under 20% | 195 | $23,005,000 | $117,974 | $2,059 | 4.25% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Northpointe Bank | 3333 Deposit Drive Ne Grand Rapids, MI 49546 | Full Service B&M | $2,106,345 |
For 2021, Northpointe Bank had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $118,078 |
| Net interest income | $91,780 |
| Total noninterest income | $309,348 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $31 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $309,317 |
| Pre-tax net operating income | $124,265 |
| Securities gains (or losses, -) | $-43 |
| Income before extraordinary items | $92,171 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $92,171 |
| Minority interest net income | $0 |
| Net income | $92,171 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $92,204 |
Northpointe Bank's gross interest income from loans was $118,078,000.
Northpointe Bank's net interest income from loans was $91,780,000.
Northpointe Bank's fee based income from loans was $31,000.
Northpointe Bank's net income from loans was $92,171,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $26,298 |
| Provision for credit losses | $-7,184 |
| Total noninterest expense | $284,047 |
| Salaries and employee benefits | $228,416 |
| Premises and equipment expense | $8,471 |
| Additional noninterest expense | $47,160 |
| Applicable income taxes | $32,051 |
| Net charge-offs | $-531 |
| Cash dividends | $26,800 |
Northpointe Bank's interest expense for loans was $26,298,000.
Northpointe Bank's payroll and benefits expense were $228,416,000.
Northpointe Bank's property, plant and equipment expenses $8,471,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $2,948,987 |
| Deposits held in domestic offices | $2,948,987 |
| Deposits by Individuals, partnerships, and corporations | $2,674,396 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $1,100 |
| Deposits by Commercial banks and other depository institutions in U.S. | $273,491 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $321,835 |
| Demand deposits | $294,951 |
| Nontransaction accounts | $2,627,152 |
| Money market deposit accounts (MMDAs) | $188,994 |
| Other savings deposits (excluding MMDAs) | $219,623 |
| Total time deposits | $2,218,535 |
| Total time and savings deposits | $2,654,036 |
| Noninterest-bearing deposits | $353,162 |
| Interest-bearing deposits | $2,595,825 |
| Retail deposits | $1,010,061 |
| IRAs and Keogh plan accounts | $19,095 |
| Brokered deposits | $1,843,985 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $4,728,459 |
| Cash & Balances due from depository institutions | $452,603 |
| Interest-bearing balances | $444,044 |
| Total securities | $11,733 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $3,980,765 |
| Loan and leases loss allowance | $3,886 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $33,440 |
| Other real estate owned | $206 |
| Goodwill and other intangibles | $79,105 |
| All other assets | $170,607 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $4,728,459 |
| Total Liabilities | $4,283,882 |
| Total deposits | $2,948,987 |
| Interest-bearing deposits | $2,595,825 |
| Deposits held in domestic offices | $2,948,987 |
| % insured (estimated) | $94 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $1,255,275 |
| Subordinated debt | $14,633 |
| All other liabilities | $64,987 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $3,980,765 |
| Loan and leases loss allowance | $3,886 |
| Total loans and leases (domestic) | $3,984,651 |
| All real estate loans | $2,939,439 |
| Real estate loans in domestic offices | $2,939,439 |
| Construction and development loans | $246,865 |
| Residential 1-4 family construction | $102,856 |
| Other construction, all land development and other land | $144,009 |
| Loans secured by nonfarm nonresidential properties | $2,498 |
| Nonfarm nonresidential secured by owner-occupied properties | $2,458 |
| Commercial real estate & other non-farm, non-residential | $40 |
| Multifamily residential real estate | $112 |
| 1-4 family residential loans | $2,689,767 |
| Farmland loans | $197 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $3,176 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $599 |
| Credit card loans | $0 |
| Related Plans | $599 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $0 |
| All other loans & leases | $1,041,437 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,041,437 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $6,161 |
| Non 1-4 family restructured loans & leases | $1,427 |
| Total loans and leases (foreign) | $0 |
Northpointe Bank had $3,980,765,000 of loans outstanding in 2021. $2,939,439,000 of loans were in real estate loans. $246,865,000 of loans were in development loans. $112,000 of loans were in multifamily mortgage loans. $2,689,767,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 27 | $2,498 | $92,519 |
| Nonfarm, nonresidential loans - <$100k | 15 | $389 | $25,933 |
| Nonfarm, nonresidential loans - $100-250k | 10 | $1,568 | $156,800 |
| Nonfarm, nonresidential loans - $250k-1MM | 2 | $541 | $270,500 |
| Commercial & Industrial, US addressed loans - <$1MM | 2 | $176 | $88,000 |
| Commercial & Industrial, US addressed loans - <$100k | 1 | $51 | $51,000 |
| Commercial & Industrial, US addressed loans - $100-250k | 1 | $125 | $125,000 |
| Farmland loans - <$1MM | 2 | $197 | $98,500 |
| Farmland loans - <$100k | 1 | $71 | $71,000 |
| Farmland loans - $100-250k | 1 | $126 | $126,000 |
