Village Capital Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300VCMRO4ST680C11

Tax ID: 20-0192872

3.8 stars - Updated: 5/14/24 - out of 5 stars, based on 60 reviews

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

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Mortgage Data

Review & Overview

Village Capital Mortgage is a small mortgage company specializing in Cash Out Refi and Refi loans. They have a a high proportion of FHA loans. Village Capital Mortgage has a low ratio of conventional loans.They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Riverside, Washington, Phoenix, and Virginia Beach among others. We have data for 497 markets. (Some data included below & more in-depth data is available with an active subscription.)

Village Capital Mortgage 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. Village Capital Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.91% 5/14/24
30 Year Conventional Refi 6.49% 5/14/24
30 Year Cash-out Refi 6.80% 5/14/24
30 Year FHA Purchase 7.21% 5/14/24
30 Year FHA Refi 7.11% 5/14/24
30 Year VA Purchase 6.00% 5/14/24
30 Year VA Refi 5.81% 5/14/24
30 Year USDA Purchase 6.59% 5/14/24
30 Year USDA Refi 6.17% 5/14/24
15 Year Conventional Refi 6.27% 5/14/24
15 Year Cash-out Refi 6.27% 5/14/24
15 Year FHA Refi 6.94% 5/14/24
15 Year VA Refi 6.24% 5/14/24
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.

Village Capital Mortgage Mortgage Calculator






Your Estimates

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

This is not an official calculator from Village Capital Mortgage. 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

3,573

Origination Dollar Volume (All Markets)

$1,113,625,000
Show all (37) awards

Relative Rate

Village Capital Mortgage's average 30 year fixed mortgage rate was 6.17%.

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

This yields a difference of -0.31%.

Relative Fees (Closing Costs)

Village Capital Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $11,266.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

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

Market Originations Total Value Average Loan Average Fees Average Rate
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 135 $42,855,000 $317,444 $11,794 6.24%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 90 $41,060,000 $456,222 $15,390 6.16%
Outside of Metro Areas 175 $39,765,000 $227,229 $9,321 6.17%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 64 $32,830,000 $512,969 $17,196 6.48%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 66 $23,050,000 $349,242 $13,440 6.20%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 68 $22,270,000 $327,500 $10,150 6.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 64 $22,110,000 $345,469 $14,146 6.15%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 51 $20,135,000 $394,804 $14,671 6.24%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 31 $18,205,000 $587,258 $22,469 6.16%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 39 $17,145,000 $439,615 $16,343 6.52%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 47 $17,095,000 $363,723 $12,837 6.05%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 44 $16,330,000 $371,136 $9,488 6.31%
JACKSONVILLE, FL (FHA|USDA|VA) 49 $16,195,000 $330,510 $12,676 6.22%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 59 $15,945,000 $270,254 $8,743 6.23%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 55 $15,895,000 $289,000 $13,092 6.17%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 39 $14,875,000 $381,410 $13,288 6.20%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 50 $14,120,000 $282,400 $12,449 6.11%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 38 $12,790,000 $336,579 $12,313 6.23%
FAYETTEVILLE, NC (FHA|USDA|VA) 48 $12,770,000 $266,042 $10,901 6.13%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 28 $12,650,000 $451,786 $15,532 6.04%
COLORADO SPRINGS, CO (FHA|USDA|VA) 29 $11,815,000 $407,414 $13,481 6.08%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 38 $11,710,000 $308,158 $13,585 6.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 20 $11,710,000 $585,500 $22,374 6.26%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 36 $11,660,000 $323,889 $9,604 6.22%
ST. LOUIS, MO-IL (FHA|USDA|VA) 41 $10,765,000 $262,561 $10,314 6.10%
RALEIGH-CARY, NC (FHA|USDA|VA) 32 $10,100,000 $315,625 $13,562 5.99%
OKLAHOMA CITY, OK (FHA|USDA|VA) 35 $9,495,000 $271,286 $11,258 6.43%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 28 $9,360,000 $334,286 $8,644 6.31%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 18 $8,640,000 $480,000 $13,284 6.55%
COLUMBIA, SC (FHA|USDA|VA) 28 $8,130,000 $290,357 $11,195 6.04%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 33 $7,565,000 $229,242 $8,953 6.08%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 32 $7,500,000 $234,375 $8,202 6.68%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 16 $7,370,000 $460,625 $17,375 6.27%
JACKSONVILLE, NC (FHA|USDA|VA) 30 $6,880,000 $229,333 $9,270 6.06%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 16 $6,880,000 $430,000 $14,306 5.91%
SALT LAKE CITY, UT (FHA|USDA|VA) 13 $6,675,000 $513,462 $14,552 6.15%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 14 $6,660,000 $475,714 $15,784 6.09%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 23 $6,415,000 $278,913 $9,266 6.18%
PROVO-OREM, UT (FHA|USDA|VA) 14 $6,340,000 $452,857 $13,853 6.09%
SAVANNAH, GA (FHA|USDA|VA) 20 $6,290,000 $314,500 $11,245 6.18%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 20 $6,200,000 $310,000 $11,634 6.11%
TUCSON, AZ (FHA|USDA|VA) 22 $6,160,000 $280,000 $10,841 5.89%
RICHMOND, VA (FHA|USDA|VA) 17 $6,085,000 $357,941 $12,132 6.43%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 21 $5,875,000 $279,762 $10,054 6.24%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 23 $5,845,000 $254,130 $9,365 6.10%
BOISE CITY, ID (FHA|USDA|VA) 12 $5,760,000 $480,000 $14,867 6.41%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 18 $5,710,000 $317,222 $9,752 6.21%
ALBUQUERQUE, NM (FHA|USDA|VA) 16 $5,680,000 $355,000 $10,565 6.27%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 19 $5,365,000 $282,368 $10,413 6.15%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 17 $5,315,000 $312,647 $11,765 6.10%
COLUMBUS, OH (FHA|USDA|VA) 21 $5,285,000 $251,667 $11,150 6.34%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 22 $5,170,000 $235,000 $9,777 6.03%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 14 $5,080,000 $362,857 $15,841 6.19%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 21 $4,935,000 $235,000 $7,897 6.16%
TULSA, OK (FHA|USDA|VA) 16 $4,830,000 $301,875 $9,582 6.24%
VALLEJO, CA (FHA|USDA|VA) 9 $4,805,000 $533,889 $19,293 6.09%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 15 $4,625,000 $308,333 $10,049 6.24%
KANSAS CITY, MO-KS (FHA|USDA|VA) 16 $4,620,000 $288,750 $10,870 5.95%
PORT ST. LUCIE, FL (FHA|USDA|VA) 13 $4,585,000 $352,692 $14,431 5.92%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 17 $4,525,000 $266,176 $12,148 6.29%
HUNTSVILLE, AL (FHA|USDA|VA) 13 $4,495,000 $345,769 $12,915 6.03%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 17 $4,425,000 $260,294 $10,483 6.55%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 21 $4,295,000 $204,524 $8,063 6.28%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 15 $4,295,000 $286,333 $10,683 6.18%
DAYTON-KETTERING, OH (FHA|USDA|VA) 18 $4,270,000 $237,222 $10,662 6.14%
FRESNO, CA (FHA|USDA|VA) 12 $4,230,000 $352,500 $16,954 5.84%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $4,135,000 $318,077 $9,846 6.42%
OCALA, FL (FHA|USDA|VA) 17 $4,025,000 $236,765 $9,599 6.28%
SPRINGFIELD, MO (FHA|USDA|VA) 16 $3,950,000 $246,875 $6,989 6.20%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $3,845,000 $769,000 $27,046 6.70%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $3,820,000 $318,333 $13,270 6.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 16 $3,820,000 $238,750 $10,399 6.17%
STOCKTON, CA (FHA|USDA|VA) 9 $3,785,000 $420,556 $19,927 6.36%
LOUISVILLE, KY (FHA|USDA|VA) 15 $3,635,000 $242,333 $10,141 6.46%
PITTSBURGH, PA (FHA|USDA|VA) 18 $3,570,000 $198,333 $9,761 6.13%
WINSTON-SALEM, NC (FHA|USDA|VA) 14 $3,560,000 $254,286 $7,616 6.36%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 9 $3,535,000 $392,778 $9,026 6.12%
BATON ROUGE, LA (FHA|USDA|VA) 12 $3,520,000 $293,333 $9,798 6.44%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 11 $3,465,000 $315,000 $12,281 6.09%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 8 $3,450,000 $431,250 $14,878 6.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $3,380,000 $338,000 $17,576 5.89%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 12 $3,350,000 $279,167 $5,798 6.14%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 13 $3,275,000 $251,923 $7,045 6.21%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 11 $3,225,000 $293,182 $9,372 6.14%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 12 $3,220,000 $268,333 $8,221 6.66%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 10 $3,200,000 $320,000 $12,293 6.13%
WARNER ROBINS, GA (FHA|USDA|VA) 12 $3,100,000 $258,333 $9,788 6.22%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 11 $3,015,000 $274,091 $13,454 5.99%
MONTGOMERY, AL (FHA|USDA|VA) 12 $2,980,000 $248,333 $10,120 5.97%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,940,000 $735,000 $30,374 6.16%
YORK-HANOVER, PA (FHA|USDA|VA) 7 $2,925,000 $417,857 $14,106 6.75%
SALEM, OR (FHA|USDA|VA) 7 $2,885,000 $412,143 $15,887 6.13%
ST. GEORGE, UT (FHA|USDA|VA) 9 $2,835,000 $315,000 $12,863 6.33%
SPARTANBURG, SC (FHA|USDA|VA) 10 $2,820,000 $282,000 $10,799 6.45%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 8 $2,800,000 $350,000 $9,512 6.16%
HINESVILLE, GA (FHA|USDA|VA) 11 $2,785,000 $253,182 $8,245 6.65%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 8 $2,640,000 $330,000 $7,473 6.03%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,610,000 $435,000 $12,952 5.69%
COLUMBUS, GA-AL (FHA|USDA|VA) 9 $2,595,000 $288,333 $10,206 6.56%
MODESTO, CA (FHA|USDA|VA) 7 $2,475,000 $353,571 $14,172 6.02%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 7 $2,475,000 $353,571 $8,810 6.61%
KNOXVILLE, TN (FHA|USDA|VA) 8 $2,320,000 $290,000 $11,505 6.13%
ANCHORAGE, AK (FHA|USDA|VA) 5 $2,305,000 $461,000 $11,644 5.83%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 9 $2,295,000 $255,000 $10,963 6.15%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 9 $2,285,000 $253,889 $11,338 6.22%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 7 $2,265,000 $323,571 $16,829 6.07%
ASHEVILLE, NC (FHA|USDA|VA) 7 $2,265,000 $323,571 $11,742 6.45%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $2,255,000 $250,556 $7,375 5.99%
HATTIESBURG, MS (FHA|USDA|VA) 7 $2,245,000 $320,714 $11,953 6.18%
Cedar City, UT (FHA|USDA|VA) 6 $2,240,000 $373,333 $14,690 5.79%
GREELEY, CO (FHA|USDA|VA) 5 $2,215,000 $443,000 $10,672 6.20%
LANCASTER, PA (FHA|USDA|VA) 7 $2,065,000 $295,000 $10,791 6.54%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $2,050,000 $256,250 $7,792 5.86%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 7 $2,035,000 $290,714 $9,684 6.20%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $2,010,000 $502,500 $14,617 6.16%
JACKSON, TN (FHA|USDA|VA) 9 $1,975,000 $219,444 $9,709 6.08%
GOLDSBORO, NC (FHA|USDA|VA) 8 $1,970,000 $246,250 $7,427 6.35%
EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $1,915,000 $273,571 $13,106 6.13%
FORT WAYNE, IN (FHA|USDA|VA) 6 $1,900,000 $316,667 $11,499 6.54%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 6 $1,870,000 $311,667 $10,910 6.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,850,000 $462,500 $13,199 5.97%
Jefferson, GA (FHA|USDA|VA) 5 $1,845,000 $369,000 $15,730 6.33%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 7 $1,795,000 $256,429 $13,548 6.11%
PUEBLO, CO (FHA|USDA|VA) 7 $1,705,000 $243,571 $7,780 6.20%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,700,000 $283,333 $12,519 6.71%
AMARILLO, TX (FHA|USDA|VA) 4 $1,680,000 $420,000 $8,648 5.78%
GREENVILLE, NC (FHA|USDA|VA) 7 $1,675,000 $239,286 $7,661 6.71%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $1,675,000 $335,000 $14,806 6.43%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 10 $1,640,000 $164,000 $6,229 5.95%
IDAHO FALLS, ID (FHA|USDA|VA) 6 $1,620,000 $270,000 $9,892 5.46%
LOGAN, UT-ID (FHA|USDA|VA) 4 $1,620,000 $405,000 $14,383 6.28%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $1,615,000 $323,000 $9,137 6.15%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 6 $1,610,000 $268,333 $9,111 6.34%
Tullahoma-Manchester, TN (FHA|USDA|VA) 6 $1,580,000 $263,333 $10,427 6.11%
AKRON, OH (FHA|USDA|VA) 7 $1,555,000 $222,143 $10,725 6.23%
FLORENCE, SC (FHA|USDA|VA) 6 $1,550,000 $258,333 $9,307 6.57%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,545,000 $309,000 $15,496 5.85%
LAFAYETTE, LA (FHA|USDA|VA) 7 $1,515,000 $216,429 $6,355 7.05%
GAINESVILLE, FL (FHA|USDA|VA) 6 $1,470,000 $245,000 $10,368 6.46%
MOBILE, AL (FHA|USDA|VA) 6 $1,460,000 $243,333 $10,179 6.11%
LYNCHBURG, VA (FHA|USDA|VA) 6 $1,460,000 $243,333 $11,408 7.00%
LONGVIEW, TX (FHA|USDA|VA) 5 $1,445,000 $289,000 $7,541 6.05%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $1,445,000 $289,000 $10,988 6.33%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $1,435,000 $205,000 $7,720 6.00%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,430,000 $357,500 $18,682 6.41%
ROANOKE, VA (FHA|USDA|VA) 5 $1,425,000 $285,000 $12,728 6.73%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 6 $1,420,000 $236,667 $14,298 6.44%
DOVER, DE (FHA|USDA|VA) 4 $1,410,000 $352,500 $6,496 6.44%
NEW BERN, NC (FHA|USDA|VA) 5 $1,405,000 $281,000 $7,580 6.13%
WINCHESTER, VA-WV (FHA|USDA|VA) 4 $1,400,000 $350,000 $14,023 6.35%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,400,000 $350,000 $14,383 6.13%
VISALIA, CA (FHA|USDA|VA) 4 $1,390,000 $347,500 $15,648 6.07%
Shelton, WA (FHA|USDA|VA) 4 $1,370,000 $342,500 $6,186 6.22%
YUMA, AZ (FHA|USDA|VA) 5 $1,315,000 $263,000 $14,663 6.05%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 4 $1,310,000 $327,500 $14,184 6.07%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,305,000 $261,000 $11,636 6.20%
Outside of Metro Areas 4 $1,300,000 $325,000 $9,288 6.38%
DECATUR, AL (FHA|USDA|VA) 5 $1,295,000 $259,000 $11,377 5.85%
LAS CRUCES, NM (FHA|USDA|VA) 4 $1,280,000 $320,000 $8,337 6.06%
Kinston, NC (FHA|USDA|VA) 6 $1,280,000 $213,333 $8,362 6.75%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,280,000 $640,000 $22,210 6.44%
JOHNSON CITY, TN (FHA|USDA|VA) 5 $1,275,000 $255,000 $9,557 6.28%
ROCHESTER, MN (FHA|USDA|VA) 5 $1,275,000 $255,000 $9,104 6.53%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,250,000 $625,000 $24,501 6.63%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 5 $1,245,000 $249,000 $9,693 5.98%
ALBANY, GA (FHA|USDA|VA) 4 $1,240,000 $310,000 $8,575 6.56%
Shelbyville, TN (FHA|USDA|VA) 4 $1,240,000 $310,000 $12,057 6.22%
HOT SPRINGS, AR (FHA|USDA|VA) 5 $1,235,000 $247,000 $6,665 5.70%
GRANTS PASS, OR (FHA|USDA|VA) 3 $1,225,000 $408,333 $12,057 6.25%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 5 $1,225,000 $245,000 $8,150 6.50%
St. Marys, GA (FHA|USDA|VA) 5 $1,215,000 $243,000 $8,810 5.88%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $1,200,000 $300,000 $13,205 5.88%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $1,195,000 $398,333 $5,473 6.58%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $1,190,000 $297,500 $8,588 5.66%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,190,000 $297,500 $8,523 6.35%
DOTHAN, AL (FHA|USDA|VA) 4 $1,160,000 $290,000 $6,100 6.41%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $1,150,000 $287,500 $14,414 5.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,140,000 $285,000 $15,545 6.28%
Paducah, KY-IL (FHA|USDA|VA) 5 $1,085,000 $217,000 $7,530 6.53%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $1,085,000 $361,667 $19,332 6.92%
RENO, NV (FHA|USDA|VA) 3 $1,065,000 $355,000 $12,668 6.42%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $1,065,000 $355,000 $12,883 6.96%
READING, PA (FHA|USDA|VA) 4 $1,050,000 $262,500 $7,359 6.32%
Elizabeth City, NC (FHA|USDA|VA) 4 $1,050,000 $262,500 $9,198 5.97%
SUMTER, SC (FHA|USDA|VA) 4 $1,030,000 $257,500 $7,985 6.66%
BURLINGTON, NC (FHA|USDA|VA) 4 $1,020,000 $255,000 $7,384 6.53%
LaGrange, GA-AL (FHA|USDA|VA) 4 $1,020,000 $255,000 $9,200 6.60%
ROCKY MOUNT, NC (FHA|USDA|VA) 5 $1,015,000 $203,000 $8,909 6.55%
GREEN BAY, WI (FHA|USDA|VA) 4 $1,010,000 $252,500 $6,503 6.78%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $1,000,000 $500,000 $14,569 6.57%
YUBA CITY, CA (FHA|USDA|VA) 2 $1,000,000 $500,000 $19,084 6.19%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $995,000 $331,667 $16,474 6.04%
SALINAS, CA (FHA|USDA|VA) 1 $995,000 $995,000 $38,339 6.75%
Cookeville, TN (FHA|USDA|VA) 5 $995,000 $199,000 $10,088 5.95%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $995,000 $331,667 $17,401 6.08%
Cambridge, MD (FHA|USDA|VA) 2 $990,000 $495,000 $20,144 5.94%
Elko, NV (FHA|USDA|VA) 4 $990,000 $247,500 $9,601 6.16%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $985,000 $328,333 $16,538 6.50%
MADISON, WI (FHA|USDA|VA) 2 $980,000 $490,000 $11,489 6.12%
EL PASO, TX (FHA|USDA|VA) 4 $970,000 $242,500 $3,777 6.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $960,000 $240,000 $10,506 6.22%
RACINE, WI (FHA|USDA|VA) 3 $955,000 $318,333 $7,955 5.96%
COLUMBIA, MO (FHA|USDA|VA) 3 $955,000 $318,333 $6,858 6.58%
Burley, ID (FHA|USDA|VA) 2 $950,000 $475,000 $13,395 6.44%
Fergus Falls, MN (FHA|USDA|VA) 2 $950,000 $475,000 $36,198 6.25%
PANAMA CITY, FL (FHA|USDA|VA) 3 $945,000 $315,000 $14,023 6.75%
MERCED, CA (FHA|USDA|VA) 3 $945,000 $315,000 $12,272 6.33%
CHEYENNE, WY (FHA|USDA|VA) 3 $945,000 $315,000 $8,741 6.04%
NILES, MI (FHA|USDA|VA) 3 $945,000 $315,000 $10,685 6.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $945,000 $189,000 $9,390 6.40%
LONGVIEW, WA (FHA|USDA|VA) 3 $935,000 $311,667 $18,695 6.42%
Fallon, NV (FHA|USDA|VA) 3 $935,000 $311,667 $12,457 5.96%
Augusta-Waterville, ME (FHA|USDA|VA) 4 $930,000 $232,500 $5,324 6.28%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $925,000 $925,000 $49,187 6.25%
Clearlake, CA (FHA|USDA|VA) 3 $915,000 $305,000 $13,200 5.79%
TUSCALOOSA, AL (FHA|USDA|VA) 4 $900,000 $225,000 $7,370 6.28%
Kalispell, MT (FHA|USDA|VA) 3 $895,000 $298,333 $18,380 5.21%
FORT SMITH, AR-OK (FHA|USDA|VA) 6 $890,000 $148,333 $6,090 6.63%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $885,000 $295,000 $17,223 7.09%
FLINT, MI (FHA|USDA|VA) 4 $880,000 $220,000 $11,961 5.22%
LEBANON, PA (FHA|USDA|VA) 3 $865,000 $288,333 $7,364 6.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $855,000 $285,000 $9,141 5.63%
Palatka, FL (FHA|USDA|VA) 3 $855,000 $285,000 $9,560 5.96%
FORT COLLINS, CO (FHA|USDA|VA) 2 $850,000 $425,000 $10,406 6.07%
CHICO, CA (FHA|USDA|VA) 3 $845,000 $281,667 $8,487 6.13%
Coos Bay, OR (FHA|USDA|VA) 2 $830,000 $415,000 $20,742 7.00%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 3 $815,000 $271,667 $5,296 5.54%
Roseburg, OR (FHA|USDA|VA) 3 $815,000 $271,667 $9,611 6.46%
LAWTON, OK (FHA|USDA|VA) 4 $810,000 $202,500 $2,336 6.38%
JACKSON, MS (FHA|USDA|VA) 3 $795,000 $265,000 $7,127 6.29%
GAINESVILLE, GA (FHA|USDA|VA) 4 $790,000 $197,500 $10,933 6.00%
EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $785,000 $157,000 $5,649 6.25%
Harrison, AR (FHA|USDA|VA) 3 $785,000 $261,667 $4,547 6.33%
Wapakoneta, OH (FHA|USDA|VA) 3 $785,000 $261,667 $10,032 6.67%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $775,000 $258,333 $11,761 6.29%
BELLINGHAM, WA (FHA|USDA|VA) 1 $765,000 $765,000 $28,175 6.63%
MANSFIELD, OH (FHA|USDA|VA) 4 $760,000 $190,000 $8,083 6.60%
JOPLIN, MO (FHA|USDA|VA) 5 $755,000 $151,000 $6,849 6.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $755,000 $251,667 $5,488 5.92%
WICHITA, KS (FHA|USDA|VA) 3 $745,000 $248,333 $8,273 6.25%
Mountain Home, ID (FHA|USDA|VA) 2 $740,000 $370,000 $13,582 5.77%
Vernal, UT (FHA|USDA|VA) 2 $740,000 $370,000 $15,935 5.75%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $740,000 $370,000 $6,659 5.63%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $735,000 $245,000 $13,007 6.13%
RAPID CITY, SD (FHA|USDA|VA) 2 $720,000 $360,000 $7,055 6.38%
Okeechobee, FL (FHA|USDA|VA) 2 $720,000 $360,000 $13,500 6.57%
Pahrump, NV (FHA|USDA|VA) 3 $715,000 $238,333 $9,313 5.58%
SANTA FE, NM (FHA|USDA|VA) 2 $710,000 $355,000 $12,126 7.00%
MORRISTOWN, TN (FHA|USDA|VA) 2 $700,000 $350,000 $5,431 6.75%
VALDOSTA, GA (FHA|USDA|VA) 3 $685,000 $228,333 $8,592 6.00%
Fort Payne, AL (FHA|USDA|VA) 2 $680,000 $340,000 $10,029 6.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $675,000 $225,000 $5,135 6.58%
Cullowhee, NC (FHA|USDA|VA) 3 $665,000 $221,667 $14,605 5.67%
The Dalles, OR (FHA|USDA|VA) 2 $660,000 $330,000 $10,336 5.82%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $660,000 $330,000 $10,371 5.94%
Concord, NH (FHA|USDA|VA) 3 $655,000 $218,333 $9,131 6.46%
MADERA, CA (FHA|USDA|VA) 2 $650,000 $325,000 $18,888 5.63%
Sandusky, OH (FHA|USDA|VA) 3 $645,000 $215,000 $6,894 6.33%
FAIRBANKS, AK (FHA|USDA|VA) 2 $630,000 $315,000 $8,433 6.13%
Granbury, TX (FHA|USDA|VA) 2 $630,000 $315,000 $5,168 7.00%
Statesboro, GA (FHA|USDA|VA) 1 $625,000 $625,000 $16,520 6.75%
GRAND FORKS, ND-MN (FHA|USDA|VA) 2 $620,000 $310,000 $9,156 6.50%
Holland, MI (FHA|USDA|VA) 3 $615,000 $205,000 $7,063 6.33%
JONESBORO, AR (FHA|USDA|VA) 3 $615,000 $205,000 $6,311 5.83%
Norwalk, OH (FHA|USDA|VA) 2 $610,000 $305,000 $13,079 6.50%
Key West, FL (FHA|USDA|VA) 1 $595,000 $595,000 $1,064 6.63%
Wilson, NC (FHA|USDA|VA) 2 $590,000 $295,000 $11,909 6.88%
SPRINGFIELD, IL (FHA|USDA|VA) 3 $585,000 $195,000 $7,600 5.58%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $585,000 $195,000 $9,283 6.08%
Astoria, OR (FHA|USDA|VA) 1 $575,000 $575,000 $2,893 6.63%
TOLEDO, OH (FHA|USDA|VA) 2 $570,000 $285,000 $9,300 6.88%
Steamboat Springs, CO (FHA|USDA|VA) 1 $565,000 $565,000 $12,700 5.75%
CLEVELAND, TN (FHA|USDA|VA) 2 $560,000 $280,000 $6,635 6.00%
Sunbury, PA (FHA|USDA|VA) 2 $560,000 $280,000 $11,201 6.25%
Ashtabula, OH (FHA|USDA|VA) 2 $560,000 $280,000 $2,495 5.76%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $560,000 $280,000 $10,372 6.50%
GREAT FALLS, MT (FHA|USDA|VA) 2 $550,000 $275,000 $13,205 6.00%
Laurinburg, NC (FHA|USDA|VA) 2 $540,000 $270,000 $12,252 6.82%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $540,000 $270,000 $3,986 6.00%
REDDING, CA (FHA|USDA|VA) 2 $530,000 $265,000 $7,406 8.00%
MISSOULA, MT (FHA|USDA|VA) 1 $525,000 $525,000 $11,749 6.63%
Shelby, NC (FHA|USDA|VA) 2 $520,000 $260,000 $9,891 6.00%
Richmond-Berea, KY (FHA|USDA|VA) 2 $520,000 $260,000 $6,722 6.32%
ODESSA, TX (FHA|USDA|VA) 2 $520,000 $260,000 $10,170 6.82%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $520,000 $260,000 $9,253 6.13%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $515,000 $171,667 $9,096 5.25%
BRUNSWICK, GA (FHA|USDA|VA) 2 $510,000 $255,000 $9,718 6.25%
LIMA, OH (FHA|USDA|VA) 2 $510,000 $255,000 $5,464 6.13%
Athens, TN (FHA|USDA|VA) 2 $510,000 $255,000 $12,895 6.75%
Greeneville, TN (FHA|USDA|VA) 3 $505,000 $168,333 $5,612 6.42%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 2 $500,000 $250,000 $11,539 6.32%
Orangeburg, SC (FHA|USDA|VA) 2 $500,000 $250,000 $6,535 6.00%
Poplar Bluff, MO (FHA|USDA|VA) 2 $500,000 $250,000 $9,143 6.50%
TWIN FALLS, ID (FHA|USDA|VA) 2 $500,000 $250,000 $14,034 6.44%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $500,000 $250,000 $5,857 6.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $500,000 $250,000 $6,508 6.00%
Jackson, WY-ID (FHA|USDA|VA) 1 $495,000 $495,000 $24,125 5.25%
Albertville, AL (FHA|USDA|VA) 2 $490,000 $245,000 $6,598 6.19%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $485,000 $485,000 $13,355 6.88%
LAREDO, TX (FHA|USDA|VA) 2 $480,000 $240,000 $12,608 6.76%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $480,000 $240,000 $3,447 7.69%
Brownwood, TX (FHA|USDA|VA) 1 $465,000 $465,000 $11,929 5.75%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $460,000 $230,000 $2,551 6.57%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $460,000 $230,000 $4,869 6.82%
WILMINGTON, NC (FHA|USDA|VA) 2 $460,000 $230,000 $13,229 6.07%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $455,000 $455,000 $20,548 4.75%
Red Bluff, CA (FHA|USDA|VA) 2 $450,000 $225,000 $7,560 5.82%
Warrensburg, MO (FHA|USDA|VA) 2 $450,000 $225,000 $9,985 6.50%
Centralia, WA (FHA|USDA|VA) 1 $445,000 $445,000 $36,209 5.38%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $445,000 $148,333 $6,190 6.00%
ST. CLOUD, MN (FHA|USDA|VA) 1 $435,000 $435,000 $25,578 6.13%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $435,000 $435,000 $10,517 5.75%
DULUTH, MN-WI (FHA|USDA|VA) 2 $430,000 $215,000 $7,291 6.13%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $430,000 $215,000 $13,862 5.57%
ROCKFORD, IL (FHA|USDA|VA) 2 $420,000 $210,000 $9,911 6.25%
Fairmont, WV (FHA|USDA|VA) 2 $420,000 $210,000 $8,393 6.00%
Hobbs, NM (FHA|USDA|VA) 2 $420,000 $210,000 $6,321 5.75%
Paris, TX (FHA|USDA|VA) 2 $420,000 $210,000 $12,082 7.07%
PINE BLUFF, AR (FHA|USDA|VA) 1 $415,000 $415,000 $4,569 6.75%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $415,000 $415,000 $4,531 5.00%
Chillicothe, OH (FHA|USDA|VA) 2 $410,000 $205,000 $3,002 6.07%
Jasper, AL (FHA|USDA|VA) 2 $410,000 $205,000 $5,628 6.50%
HAMMOND, LA (FHA|USDA|VA) 2 $410,000 $205,000 $14,996 5.75%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $410,000 $205,000 $5,296 6.62%
Sonora, CA (FHA|USDA|VA) 1 $405,000 $405,000 $3,431 5.63%
Bemidji, MN (FHA|USDA|VA) 2 $400,000 $200,000 $4,755 6.75%
Fremont, OH (FHA|USDA|VA) 2 $400,000 $200,000 $6,345 6.50%
Scottsburg, IN (FHA|USDA|VA) 2 $390,000 $195,000 $9,403 5.13%
Murray, KY (FHA|USDA|VA) 2 $390,000 $195,000 $4,427 6.25%
MIDLAND, MI (FHA|USDA|VA) 2 $390,000 $195,000 $3,969 6.50%
Bellefontaine, OH (FHA|USDA|VA) 2 $390,000 $195,000 $11,624 6.57%
STAUNTON, VA (FHA|USDA|VA) 1 $385,000 $385,000 $2,424 6.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $385,000 $128,333 $5,790 5.42%
Muskogee, OK (FHA|USDA|VA) 1 $385,000 $385,000 $9,478 5.75%
Fort Leonard Wood, MO (FHA|USDA|VA) 2 $380,000 $190,000 $10,211 5.25%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $380,000 $190,000 $3,201 7.38%
YAKIMA, WA (FHA|USDA|VA) 2 $380,000 $190,000 $7,394 5.44%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $370,000 $185,000 $11,864 6.32%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $365,000 $365,000 $15,830 5.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $365,000 $365,000 $16,949 5.25%
Newport, OR (FHA|USDA|VA) 1 $365,000 $365,000 $9,037 7.50%
POCATELLO, ID (FHA|USDA|VA) 2 $360,000 $180,000 $8,029 5.82%
Los Alamos, NM (FHA|USDA|VA) 1 $355,000 $355,000 $9,805 7.25%
Montrose, CO (FHA|USDA|VA) 1 $355,000 $355,000 $5,125 5.50%
New Castle, PA (FHA|USDA|VA) 2 $350,000 $175,000 $4,192 6.19%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $350,000 $175,000 $1,544 5.75%
McMinnville, TN (FHA|USDA|VA) 2 $350,000 $175,000 $9,963 6.50%
Mount Vernon, OH (FHA|USDA|VA) 2 $340,000 $170,000 $5,341 6.25%
PEORIA, IL (FHA|USDA|VA) 2 $340,000 $170,000 $2,587 5.50%
London, KY (FHA|USDA|VA) 2 $340,000 $170,000 $10,438 5.57%
Thomasville, GA (FHA|USDA|VA) 2 $340,000 $170,000 $8,818 5.75%
Gaffney, SC (FHA|USDA|VA) 2 $340,000 $170,000 $12,102 5.50%
Lewisburg, TN (FHA|USDA|VA) 1 $335,000 $335,000 $5,290 6.25%
BILLINGS, MT (FHA|USDA|VA) 1 $335,000 $335,000 $5,569 6.00%
La Grande, OR (FHA|USDA|VA) 1 $335,000 $335,000 $9,826 6.50%
Mount Sterling, KY (FHA|USDA|VA) 2 $330,000 $165,000 $9,666 6.38%
KOKOMO, IN (FHA|USDA|VA) 1 $325,000 $325,000 $10,459 5.75%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $325,000 $325,000 $10,963 7.00%
Paris, TN (FHA|USDA|VA) 1 $325,000 $325,000 $6,497 6.50%
Minot, ND (FHA|USDA|VA) 1 $325,000 $325,000 $4,132 6.25%
Torrington, CT (FHA|USDA|VA) 2 $320,000 $160,000 $10,542 5.50%
Cullman, AL (FHA|USDA|VA) 1 $315,000 $315,000 $6,915 7.75%
Escanaba, MI (FHA|USDA|VA) 2 $310,000 $155,000 $7,959 5.63%
JOHNSTOWN, PA (FHA|USDA|VA) 2 $310,000 $155,000 $4,968 6.63%
Moultrie, GA (FHA|USDA|VA) 2 $310,000 $155,000 $8,341 5.63%
Scottsbluff, NE (FHA|USDA|VA) 1 $305,000 $305,000 $13,823 6.25%
Moses Lake, WA (FHA|USDA|VA) 1 $305,000 $305,000 $12,871 7.13%
EL CENTRO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,841 6.25%
Duncan, OK (FHA|USDA|VA) 1 $305,000 $305,000 $6,525 5.75%
Branson, MO (FHA|USDA|VA) 1 $305,000 $305,000 $5,101 6.25%
BISMARCK, ND (FHA|USDA|VA) 1 $305,000 $305,000 $18,811 6.13%
Minden, LA (FHA|USDA|VA) 2 $300,000 $150,000 $3,840 6.50%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $300,000 $150,000 $4,737 6.50%
Sanford, NC (FHA|USDA|VA) 1 $295,000 $295,000 $18,478 6.38%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $295,000 $295,000 $11,358 6.00%
AMES, IA (FHA|USDA|VA) 1 $295,000 $295,000 $3,701 5.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $295,000 $295,000 $3,716 7.25%
MUNCIE, IN (FHA|USDA|VA) 2 $290,000 $145,000 $6,161 6.25%
Muscatine, IA (FHA|USDA|VA) 2 $290,000 $145,000 $9,706 5.26%
ERIE, PA (FHA|USDA|VA) 1 $285,000 $285,000 $7,920 5.50%
Waycross, GA (FHA|USDA|VA) 1 $285,000 $285,000 $22,762 7.25%
THE VILLAGES, FL (FHA|USDA|VA) 1 $285,000 $285,000 $6,245 5.75%
Alexander City, AL (FHA|USDA|VA) 1 $285,000 $285,000 $7,730 5.75%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $285,000 $285,000 $6,984 5.75%
Crescent City, CA (FHA|USDA|VA) 1 $285,000 $285,000 $8,875 7.88%
PITTSFIELD, MA (FHA|USDA|VA) 1 $285,000 $285,000 $4,894 6.25%
Sevierville, TN (FHA|USDA|VA) 1 $285,000 $285,000 $19,067 7.13%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $280,000 $140,000 $4,766 5.75%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $275,000 $275,000 $7,224 6.25%
Alexandria, MN (FHA|USDA|VA) 1 $275,000 $275,000 $19,907 7.25%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $275,000 $275,000 $2,342 5.75%
OWENSBORO, KY (FHA|USDA|VA) 1 $265,000 $265,000 $4,699 5.50%
Forest City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $10,007 5.38%
West Plains, MO (FHA|USDA|VA) 1 $265,000 $265,000 $3,032 7.25%
Big Spring, TX (FHA|USDA|VA) 1 $265,000 $265,000 $12,898 6.25%
Big Stone Gap, VA (FHA|USDA|VA) 1 $265,000 $265,000 $4,749 4.88%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $265,000 $265,000 $2,897 6.99%
Lake City, FL (FHA|USDA|VA) 1 $265,000 $265,000 $15,094 7.13%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $265,000 $265,000 $16,030 6.38%
Batesville, AR (FHA|USDA|VA) 2 $260,000 $130,000 $2,247 6.25%
Glasgow, KY (FHA|USDA|VA) 1 $255,000 $255,000 $7,275 5.75%
Easton, MD (FHA|USDA|VA) 1 $255,000 $255,000 $14,268 5.75%
Peru, IN (FHA|USDA|VA) 1 $255,000 $255,000 $5,662 7.75%
JACKSON, MI (FHA|USDA|VA) 2 $250,000 $125,000 $8,163 6.25%
Newberry, SC (FHA|USDA|VA) 1 $245,000 $245,000 $16,394 7.25%
Berlin, NH (FHA|USDA|VA) 1 $245,000 $245,000 $9,880 5.13%
Starkville, MS (FHA|USDA|VA) 1 $245,000 $245,000 $10,980 6.75%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $245,000 $245,000 $9,060 7.38%
Alma, MI (FHA|USDA|VA) 1 $245,000 $245,000 $13,114 5.88%
CASPER, WY (FHA|USDA|VA) 1 $235,000 $235,000 $9,482 7.63%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $235,000 $235,000 $18,169 5.38%
DeRidder, LA (FHA|USDA|VA) 1 $235,000 $235,000 $8,672 7.13%
Crossville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $4,976 5.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $235,000 $235,000 $15,007 6.25%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,773 6.75%
Great Bend, KS (FHA|USDA|VA) 2 $230,000 $115,000 $5,525 6.63%
APPLETON, WI (FHA|USDA|VA) 2 $230,000 $115,000 $7,463 5.75%
Morehead City, NC (FHA|USDA|VA) 1 $225,000 $225,000 $6,125 5.25%
DALTON, GA (FHA|USDA|VA) 1 $225,000 $225,000 $12,944 5.00%
Safford, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $11,381 5.88%
Sweetwater, TX (FHA|USDA|VA) 1 $225,000 $225,000 $5,052 7.63%
Warsaw, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,465 5.75%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $215,000 $215,000 $11,810 7.50%
Quincy, IL-MO (FHA|USDA|VA) 1 $215,000 $215,000 $2,129 6.99%
Shawnee, OK (FHA|USDA|VA) 1 $215,000 $215,000 $7,101 6.75%
Cedartown, GA (FHA|USDA|VA) 1 $215,000 $215,000 $3,196 6.38%
Kearney, NE (FHA|USDA|VA) 1 $215,000 $215,000 $10,090 5.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $215,000 $215,000 $16,167 6.25%
Washington Court House, OH (FHA|USDA|VA) 1 $215,000 $215,000 $10,960 6.75%
Beaver Dam, WI (FHA|USDA|VA) 1 $215,000 $215,000 $3,820 6.25%
Taylorville, IL (FHA|USDA|VA) 1 $215,000 $215,000 $5,940 5.75%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $215,000 $215,000 $16,363 5.25%
Alamogordo, NM (FHA|USDA|VA) 2 $210,000 $105,000 $8,530 5.50%
Big Rapids, MI (FHA|USDA|VA) 1 $205,000 $205,000 $14,581 5.50%
Americus, GA (FHA|USDA|VA) 1 $205,000 $205,000 $5,921 6.50%
McAlester, OK (FHA|USDA|VA) 1 $205,000 $205,000 $9,416 4.75%
Urbana, OH (FHA|USDA|VA) 1 $205,000 $205,000 $1,234 7.25%
CARSON CITY, NV (FHA|USDA|VA) 1 $205,000 $205,000 $9,388 5.50%
Durant, OK (FHA|USDA|VA) 1 $205,000 $205,000 $13,561 5.75%
Andrews, TX (FHA|USDA|VA) 1 $205,000 $205,000 $10,167 6.99%
Wooster, OH (FHA|USDA|VA) 1 $195,000 $195,000 $7,672 6.13%
Sturgis, MI (FHA|USDA|VA) 1 $195,000 $195,000 $11,491 6.50%
MONROE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $8,063 6.25%
Susanville, CA (FHA|USDA|VA) 1 $185,000 $185,000 $6,912 5.88%
LUBBOCK, TX (FHA|USDA|VA) 1 $185,000 $185,000 $1,213 6.25%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $185,000 $185,000 $11,735 7.13%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,136 6.75%
Sayre, PA (FHA|USDA|VA) 1 $175,000 $175,000 $7,516 6.75%
Baraboo, WI (FHA|USDA|VA) 1 $175,000 $175,000 $11,256 4.75%
Oxford, MS (FHA|USDA|VA) 1 $175,000 $175,000 $10,396 6.75%
Union, SC (FHA|USDA|VA) 1 $175,000 $175,000 $8,525 6.75%
Stillwater, OK (FHA|USDA|VA) 1 $175,000 $175,000 $12,876 6.50%
Mount Airy, NC (FHA|USDA|VA) 1 $175,000 $175,000 $12,288 6.25%
Enterprise, AL (FHA|USDA|VA) 1 $165,000 $165,000 $13,685 5.38%
Marquette, MI (FHA|USDA|VA) 1 $165,000 $165,000 $7,282 6.25%
Seneca, SC (FHA|USDA|VA) 1 $165,000 $165,000 $8,752 6.75%
MONROE, MI (FHA|USDA|VA) 1 $165,000 $165,000 $10,277 5.25%
Lumberton, NC (FHA|USDA|VA) 1 $165,000 $165,000 $7,840 5.88%
Ontario, OR-ID (FHA|USDA|VA) 1 $165,000 $165,000 $14,517 5.25%
Sulphur Springs, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,725 5.75%
Crawfordsville, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,240 6.75%
Laurel, MS (FHA|USDA|VA) 1 $155,000 $155,000 $7,598 7.75%
Logansport, IN (FHA|USDA|VA) 1 $155,000 $155,000 $5,876 7.50%
Pella, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,806 6.25%
Huntsville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,228 5.88%
Payson, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $9,461 5.13%
Farmington, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,167 7.25%
Winfield, KS (FHA|USDA|VA) 1 $155,000 $155,000 $8,351 6.88%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $155,000 $155,000 $6,408 6.38%
SAGINAW, MI (FHA|USDA|VA) 2 $150,000 $75,000 $2,429 6.63%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $145,000 $145,000 $10,026 6.00%
Jackson, OH (FHA|USDA|VA) 1 $145,000 $145,000 $9,556 5.75%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $135,000 $135,000 $10,902 6.25%
Portsmouth, OH (FHA|USDA|VA) 1 $135,000 $135,000 $8,594 4.75%
New Castle, IN (FHA|USDA|VA) 1 $135,000 $135,000 $9,383 5.25%
Danville, VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,775 5.75%
Connersville, IN (FHA|USDA|VA) 1 $135,000 $135,000 $7,805 5.75%
Manitowoc, WI (FHA|USDA|VA) 1 $135,000 $135,000 $1,790 6.50%
Marshalltown, IA (FHA|USDA|VA) 1 $135,000 $135,000 $12,206 4.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $135,000 $135,000 $9,767 5.75%
Pampa, TX (FHA|USDA|VA) 1 $135,000 $135,000 $8,142 5.88%
Danville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $10,310 6.25%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $135,000 $135,000 $5,370 6.75%
Ashland, OH (FHA|USDA|VA) 1 $125,000 $125,000 $6,433 5.75%
Wabash, IN (FHA|USDA|VA) 1 $125,000 $125,000 $6,884 6.25%
ROME, GA (FHA|USDA|VA) 1 $125,000 $125,000 $6,717 5.25%
Forrest City, AR (FHA|USDA|VA) 1 $125,000 $125,000 $6,982 5.75%
Sterling, IL (FHA|USDA|VA) 1 $125,000 $125,000 $1,662 6.25%
Mount Pleasant, MI (FHA|USDA|VA) 1 $115,000 $115,000 $6,053 5.38%
ALTOONA, PA (FHA|USDA|VA) 1 $115,000 $115,000 $4,496 7.25%
Fitzgerald, GA (FHA|USDA|VA) 1 $115,000 $115,000 $6,408 6.25%
ANN ARBOR, MI (FHA|USDA|VA) 1 $115,000 $115,000 $3,969 7.38%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $115,000 $115,000 $5,126 5.38%
Pottsville, PA (FHA|USDA|VA) 1 $105,000 $105,000 $6,709 5.50%
Bedford, IN (FHA|USDA|VA) 1 $95,000 $95,000 $7,694 5.25%
Adrian, MI (FHA|USDA|VA) 1 $95,000 $95,000 $7,724 5.75%
Oil City, PA (FHA|USDA|VA) 1 $95,000 $95,000 $8,566 6.50%
Village Capital Mortgage's top markets include Atlanta, Riverside, Washington, Phoenix, and Virginia Beach among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    VA 2,265 $751,795,000 $331,918 $11,111 6.20%
    FHA 1,274 $355,550,000 $279,082 $12,141 6.23%
    Conventional 23 $4,075,000 $177,174 $6,394 6.98%
    USDA 11 $2,205,000 $200,455 $7,368 6.49%

    For 2023, Village Capital Mortgage's most frequently originated type of loan was VA, with 2,265 originations. Their 2nd most popular type was FHA, with 1,274 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 2,153 $639,735,000 $297,137 $13,730 6.20%
    Refi 948 $304,020,000 $320,696 $5,703 6.06%
    Home Purchase 472 $169,870,000 $359,894 $12,494 6.59%

    For 2023, Village Capital Mortgage's most frequently cited loan purpose was Cash Out Refi, with 2,153 originations. The 2nd most popular reason was Refi, with 948 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,232 $1,012,410,000 $313,246 $11,266 6.17%
    Other 300 $93,730,000 $312,433 $13,275 6.64%
    20 Year 25 $5,575,000 $223,000 $13,674 6.46%
    15 Year 13 $1,885,000 $145,000 $9,520 5.71%
    10 Year 3 $25,000 $8,333 $438 9.00%

    For 2023, Village Capital Mortgage's most frequently cited loan duration was 30 Year, with 3,232 originations. The 2nd most popular length was Other, with 300 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,063 $706,085,000 $342,261
    $<1k 498 $150,550,000 $302,309
    $4k-5k 350 $89,220,000 $254,914
    $3k-4k 281 $67,885,000 $241,584
    $2k-3k 226 $57,590,000 $254,823
    $1k-2k 155 $42,295,000 $272,871

    Village Capital Mortgage's average total fees were $11,266, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,063 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,440 $430,490,000 $298,951
    6-7% 1,397 $452,965,000 $324,241
    7-8% 499 $162,775,000 $326,202
    4-5% 194 $55,260,000 $284,845
    Over 8% 43 $12,135,000 $282,209

    During 2023, Village Capital Mortgage's average interest rate for loans was 6.17%, while their most frequently originated rate bucket for loans was 5-6%, with 1,440 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,018 $584,810,000 $289,797 $10,756 6.26%
    $100k-200k 730 $115,870,000 $158,726 $7,880 6.05%
    $400k-600k 614 $289,890,000 $472,134 $15,529 6.24%
    $600k-1MM 157 $113,535,000 $723,153 $21,568 6.37%
    $100,000 or less 49 $3,915,000 $79,898 $5,406 6.09%
    $1MM+ 5 $5,605,000 $1,121,000 $43,261 6.63%

    2023 saw Village Capital Mortgage place emphasis on $200k-400k loans with 2,018 originations, totaling $584,810,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 750 $172,280,000 $229,707 $11,190 6.14%
    $75k-100k 680 $200,990,000 $295,574 $13,269 6.31%
    $100k-150k 674 $256,340,000 $380,326 $15,765 6.38%
    $50k or less 549 $132,425,000 $241,211 $7,227 6.04%
    $150k-250k 273 $136,845,000 $501,264 $18,243 6.50%
    $250k+ 26 $15,600,000 $600,000 $18,582 6.33%

    Village Capital Mortgage lent most frequently to those with incomes in the $50k-75k range, with 750 originations. The second most popular income band? $75k-100k, with 680 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 761 $264,205,000 $347,181 $14,930 6.30%
    30-36% 253 $68,675,000 $271,443 $12,479 6.17%
    20-30% 179 $45,565,000 $254,553 $12,507 6.01%
    48% 121 $37,985,000 $313,926 $13,890 6.28%
    45% 116 $37,790,000 $325,776 $14,174 6.42%
    49% 115 $34,945,000 $303,870 $12,887 6.32%
    46% 113 $35,795,000 $316,770 $13,658 6.20%
    44% 92 $28,260,000 $307,174 $13,168 6.34%
    43% 90 $27,750,000 $308,333 $13,882 6.20%
    41% 89 $26,645,000 $299,382 $12,856 6.24%
    47% 88 $26,970,000 $306,477 $12,720 6.42%
    42% 87 $26,495,000 $304,540 $12,491 6.37%
    39% 85 $24,995,000 $294,059 $12,261 6.32%
    40% 85 $23,695,000 $278,765 $12,965 6.27%
    38% 77 $22,155,000 $287,727 $12,531 6.08%
    37% 74 $22,270,000 $300,946 $12,465 6.12%
    36% 58 $16,610,000 $286,379 $12,547 6.40%
    >60% 29 $12,475,000 $430,172 $14,576 6.03%
    <20% 19 $2,605,000 $137,105 $8,461 5.88%

    Village Capital Mortgage lent most frequently to those with DTI ratios of 50-60%, with 761 originations. The next most common DTI ratio? 30-36%, with 253 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 1,526 $492,570,000 $322,785 $11,666 6.27%
    White 1,433 $419,505,000 $292,746 $11,033 6.15%
    Black 552 $175,000,000 $317,029 $11,505 6.20%
    Asian 38 $17,920,000 $471,579 $15,100 6.40%
    American Indian 14 $4,730,000 $337,857 $14,664 6.10%
    Native Hawaiian or Islander 5 $1,825,000 $365,000 $10,974 5.93%
    Other Pacific Islander 2 $920,000 $460,000 $7,614 5.88%
    Samoan 1 $515,000 $515,000 $22,895 5.25%
    Other Asian 1 $365,000 $365,000 $7,319 8.13%
    Filipino 1 $275,000 $275,000 $18,888 6.88%

    Approval Rates

    Total approvals of all applications
    93.15%

    Village Capital Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    -66.30%

    Village Capital Mortgage 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 3,573 $1,113,625,000 $311,678

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,573 $1,113,625,000 $311,678

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 22 $4,190,000 $190,455 $9,844 6.37%
    40-60% 105 $22,425,000 $213,571 $11,474 5.94%
    60-80% 616 $157,240,000 $255,260 $13,183 5.98%
    80-100% 2,085 $684,125,000 $328,118 $12,725 6.35%
    Over 100% 122 $46,480,000 $380,984 $11,437 6.09%
    Under 20% 3 $165,000 $55,000 $3,244 8.63%