Cardinal Financial Mortgage Rates, Fees & Info

Harrisburg, PA

LEI: 549300VORTI31GZTJL53

Tax ID: 23-2470039

1.4 stars - out of 5 stars, based on 203 reviews

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

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Mortgage Data

Review & Overview

Cardinal Financial is a large mortgage company specializing in Home Purchase and Cash Out Refi loans. Cardinal Financial has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Dallas, Houston, Phoenix, and Las Vegas among others. We have data for 809 markets. (Some data included below & more in-depth data is available with an active subscription.)

Cardinal Financial has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cardinal Financial 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 about average rates.

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

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

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

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.78% 6/4/23
30 Year Conventional Refi 6.58% 6/4/23
30 Year Cash-out Refi 6.85% 6/4/23
30 Year FHA Purchase 7.56% 6/4/23
30 Year FHA Refi 7.11% 6/4/23
30 Year VA Purchase 6.53% 6/4/23
30 Year VA Refi 5.89% 6/4/23
30 Year USDA Purchase 6.93% 6/4/23
30 Year USDA Refi 6.72% 6/4/23
15 Year Conventional Purchase 5.14% 6/4/23
15 Year Conventional Refi 6.00% 6/4/23
15 Year Cash-out Refi 6.00% 6/4/23
15 Year FHA Purchase 7.36% 6/4/23
15 Year FHA Refi 7.19% 6/4/23
15 Year VA Purchase 6.02% 6/4/23
15 Year VA Refi 5.54% 6/4/23
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Cardinal Financial Mortgage Calculator






Your Estimates

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

This is not an official calculator from Cardinal Financial. 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

41,404

Origination Dollar Volume (All Markets)

$12,043,510,000
Show all (50) awards

Relative Rate

Cardinal Financial's average 30 year fixed mortgage rate was 4.81%.

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

This yields a difference of 0.05%.

Relative Fees (Closing Costs)

Cardinal Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $10,009.

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

Top Markets

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

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2,480 $1,096,560,000 $442,161 $16,124 4.77%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3,224 $990,160,000 $307,122 $9,807 4.67%
Outside of Metro Areas 1,856 $427,480,000 $230,323 $9,414 4.86%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,312 $365,940,000 $278,918 $9,258 4.59%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 921 $303,505,000 $329,539 $8,991 4.44%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 810 $291,850,000 $360,309 $9,484 4.71%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 642 $268,490,000 $418,209 $12,097 4.51%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 417 $231,375,000 $554,856 $13,853 4.41%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 803 $223,675,000 $278,549 $10,003 4.70%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 652 $211,950,000 $325,077 $10,170 4.59%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 382 $210,540,000 $551,152 $11,670 4.43%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 853 $202,495,000 $237,392 $9,180 4.74%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 340 $201,300,000 $592,059 $13,160 4.52%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 706 $201,110,000 $284,858 $9,506 4.65%
JACKSONVILLE, FL (FHA|USDA|VA) 684 $198,440,000 $290,117 $8,843 4.53%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 707 $194,185,000 $274,661 $8,538 4.79%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 523 $173,535,000 $331,807 $8,728 4.70%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 436 $164,560,000 $377,431 $11,180 4.26%
SALT LAKE CITY, UT (FHA|USDA|VA) 367 $148,755,000 $405,327 $8,160 4.84%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 569 $147,845,000 $259,833 $7,922 4.43%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 353 $141,195,000 $399,986 $11,345 4.66%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 543 $134,035,000 $246,842 $8,521 4.51%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 420 $128,520,000 $306,000 $9,474 4.57%
KNOXVILLE, TN (FHA|USDA|VA) 526 $119,400,000 $226,996 $9,216 4.97%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 400 $106,310,000 $265,775 $10,390 4.70%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 239 $93,815,000 $392,531 $9,685 4.76%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 355 $91,355,000 $257,338 $9,099 4.59%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 320 $91,010,000 $284,406 $10,137 4.56%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 209 $88,545,000 $423,660 $11,045 4.85%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 133 $85,255,000 $641,015 $11,687 4.44%
BATON ROUGE, LA (FHA|USDA|VA) 361 $80,665,000 $223,449 $7,388 4.77%
PROVO-OREM, UT (FHA|USDA|VA) 176 $77,020,000 $437,614 $9,862 4.76%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 162 $75,490,000 $465,988 $14,049 4.66%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 296 $73,460,000 $248,176 $10,507 4.87%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 196 $71,960,000 $367,143 $13,548 4.74%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 420 $71,430,000 $170,071 $5,641 5.27%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 185 $70,365,000 $380,351 $9,910 4.51%
RENO, NV (FHA|USDA|VA) 141 $68,715,000 $487,340 $9,849 4.67%
LUBBOCK, TX (FHA|USDA|VA) 293 $65,215,000 $222,577 $8,928 4.97%
OKLAHOMA CITY, OK (FHA|USDA|VA) 294 $64,770,000 $220,306 $7,970 5.24%
ALBUQUERQUE, NM (FHA|USDA|VA) 211 $61,235,000 $290,213 $10,010 4.81%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 184 $60,180,000 $327,065 $10,939 4.44%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 362 $60,040,000 $165,856 $5,503 5.33%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 140 $58,220,000 $415,857 $10,368 4.32%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 152 $56,480,000 $371,579 $9,950 4.52%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 217 $56,455,000 $260,161 $6,930 4.92%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 220 $55,820,000 $253,727 $8,840 4.86%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 234 $54,830,000 $234,316 $9,627 4.95%
JOHNSON CITY, TN (FHA|USDA|VA) 238 $50,060,000 $210,336 $7,518 5.28%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 242 $49,370,000 $204,008 $7,347 4.46%
PORT ST. LUCIE, FL (FHA|USDA|VA) 172 $47,940,000 $278,721 $9,960 4.65%
RALEIGH-CARY, NC (FHA|USDA|VA) 164 $47,000,000 $286,585 $6,585 4.22%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 177 $46,635,000 $263,475 $10,145 5.40%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 229 $46,425,000 $202,729 $6,567 4.51%
WINSTON-SALEM, NC (FHA|USDA|VA) 236 $44,690,000 $189,364 $6,672 4.28%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 234 $43,630,000 $186,453 $7,689 5.32%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 185 $42,675,000 $230,676 $8,479 4.60%
Cedar City, UT (FHA|USDA|VA) 143 $42,345,000 $296,119 $8,229 4.71%
COLUMBIA, SC (FHA|USDA|VA) 159 $40,205,000 $252,862 $8,461 5.21%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 152 $39,880,000 $262,368 $8,015 4.49%
FRESNO, CA (FHA|USDA|VA) 140 $39,820,000 $284,429 $10,305 4.19%
COLUMBUS, OH (FHA|USDA|VA) 181 $39,715,000 $219,420 $8,383 4.58%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 163 $39,565,000 $242,730 $7,063 4.80%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 216 $39,500,000 $182,870 $6,955 4.29%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 143 $33,915,000 $237,168 $9,755 4.49%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 132 $32,930,000 $249,470 $8,656 4.42%
KANSAS CITY, MO-KS (FHA|USDA|VA) 152 $31,380,000 $206,447 $6,494 4.45%
TUCSON, AZ (FHA|USDA|VA) 132 $31,330,000 $237,348 $7,518 4.21%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 105 $30,655,000 $291,952 $9,300 5.11%
EL CENTRO, CA (FHA|USDA|VA) 150 $29,430,000 $196,200 $8,520 3.71%
EL PASO, TX (FHA|USDA|VA) 205 $28,905,000 $141,000 $6,167 3.79%
SPARTANBURG, SC (FHA|USDA|VA) 129 $28,665,000 $222,209 $8,955 4.82%
DOVER, DE (FHA|USDA|VA) 101 $28,595,000 $283,119 $11,209 4.82%
Heber, UT (FHA|USDA|VA) 39 $27,385,000 $702,179 $8,848 4.66%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 84 $27,300,000 $325,000 $10,344 4.53%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 105 $26,485,000 $252,238 $8,617 4.41%
TALLAHASSEE, FL (FHA|USDA|VA) 116 $26,310,000 $226,810 $8,483 4.95%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 67 $26,165,000 $390,522 $11,810 4.85%
ST. LOUIS, MO-IL (FHA|USDA|VA) 132 $25,540,000 $193,485 $6,680 4.28%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 125 $25,345,000 $202,760 $6,746 4.19%
TYLER, TX (FHA|USDA|VA) 100 $25,100,000 $251,000 $8,873 4.71%
TULSA, OK (FHA|USDA|VA) 108 $24,820,000 $229,815 $9,119 5.01%
URBAN HONOLULU, HI (FHA|USDA|VA) 42 $24,450,000 $582,143 $18,481 4.44%
ABILENE, TX (FHA|USDA|VA) 102 $24,350,000 $238,725 $10,003 5.17%
MIDLAND, MI (FHA|USDA|VA) 118 $23,790,000 $201,610 $5,426 5.30%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 91 $23,765,000 $261,154 $9,883 4.44%
OCALA, FL (FHA|USDA|VA) 102 $23,570,000 $231,078 $9,181 4.75%
BAKERSFIELD, CA (FHA|USDA|VA) 101 $23,145,000 $229,158 $9,202 4.30%
COLORADO SPRINGS, CO (FHA|USDA|VA) 66 $22,540,000 $341,515 $9,533 4.65%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 116 $22,530,000 $194,224 $7,230 4.32%
ODESSA, TX (FHA|USDA|VA) 111 $22,485,000 $202,568 $9,982 5.05%
ASHEVILLE, NC (FHA|USDA|VA) 81 $22,165,000 $273,642 $9,594 4.60%
PITTSBURGH, PA (FHA|USDA|VA) 128 $21,690,000 $169,453 $7,450 4.58%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 32 $21,680,000 $677,500 $11,300 4.15%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 49 $21,575,000 $440,306 $14,324 4.48%
SANTA FE, NM (FHA|USDA|VA) 63 $21,185,000 $336,270 $14,505 4.78%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 79 $20,845,000 $263,861 $7,000 5.06%
VALLEJO, CA (FHA|USDA|VA) 48 $20,800,000 $433,333 $11,732 4.60%
VISALIA, CA (FHA|USDA|VA) 95 $20,775,000 $218,684 $9,004 4.09%
Truckee-Grass Valley, CA (FHA|USDA|VA) 36 $20,120,000 $558,889 $9,635 4.92%
SHERMAN-DENISON, TX (FHA|USDA|VA) 75 $20,005,000 $266,733 $9,269 4.85%
WORCESTER, MA-CT (FHA|USDA|VA) 59 $19,355,000 $328,051 $8,386 4.76%
MORRISTOWN, TN (FHA|USDA|VA) 90 $18,650,000 $207,222 $8,707 4.96%
LOUISVILLE, KY (FHA|USDA|VA) 87 $18,425,000 $211,782 $7,163 4.64%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 80 $18,410,000 $230,125 $11,577 4.74%
STOCKTON, CA (FHA|USDA|VA) 43 $18,085,000 $420,581 $11,484 4.53%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 70 $17,540,000 $250,571 $10,964 4.49%
SALISBURY, MD-DE (FHA|USDA|VA) 62 $17,230,000 $277,903 $9,202 4.82%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 49 $17,035,000 $347,653 $14,159 4.86%
WENATCHEE, WA (FHA|USDA|VA) 51 $16,965,000 $332,647 $11,838 5.01%
RICHMOND, VA (FHA|USDA|VA) 72 $16,940,000 $235,278 $8,167 4.42%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 64 $16,810,000 $262,656 $9,204 4.37%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 68 $16,560,000 $243,529 $9,790 4.35%
Gillette, WY (FHA|USDA|VA) 63 $15,375,000 $244,048 $8,644 5.28%
MIDLAND, TX (FHA|USDA|VA) 60 $14,320,000 $238,667 $10,608 4.95%
GAINESVILLE, FL (FHA|USDA|VA) 59 $14,195,000 $240,593 $8,898 4.45%
LYNCHBURG, VA (FHA|USDA|VA) 62 $14,110,000 $227,581 $7,419 4.66%
HUNTSVILLE, AL (FHA|USDA|VA) 52 $14,040,000 $270,000 $8,428 5.10%
ST. GEORGE, UT (FHA|USDA|VA) 37 $13,905,000 $375,811 $8,590 4.56%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 74 $13,460,000 $181,892 $6,066 4.44%
PUNTA GORDA, FL (FHA|USDA|VA) 55 $13,405,000 $243,727 $7,151 4.25%
MOBILE, AL (FHA|USDA|VA) 71 $13,385,000 $188,521 $7,533 4.61%
MERCED, CA (FHA|USDA|VA) 45 $13,275,000 $295,000 $9,228 3.72%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 62 $13,260,000 $213,871 $9,239 4.63%
Kapaa, HI (FHA|USDA|VA) 22 $13,140,000 $597,273 $15,627 4.30%
SAVANNAH, GA (FHA|USDA|VA) 55 $13,065,000 $237,545 $9,126 4.31%
Granbury, TX (FHA|USDA|VA) 53 $13,055,000 $246,321 $8,890 5.08%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 22 $13,020,000 $591,818 $16,876 4.49%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 50 $13,020,000 $260,400 $8,926 3.99%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 73 $12,445,000 $170,479 $6,363 4.78%
LONGVIEW, WA (FHA|USDA|VA) 38 $12,430,000 $327,105 $10,911 4.34%
SALEM, OR (FHA|USDA|VA) 41 $12,415,000 $302,805 $10,699 4.64%
ROANOKE, VA (FHA|USDA|VA) 65 $12,405,000 $190,846 $7,480 4.74%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 60 $12,390,000 $206,500 $6,113 4.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 58 $12,180,000 $210,000 $7,055 4.59%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 53 $12,165,000 $229,528 $9,370 4.71%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 53 $12,095,000 $228,208 $8,446 4.23%
AMARILLO, TX (FHA|USDA|VA) 55 $11,345,000 $206,273 $7,478 4.90%
Sevierville, TN (FHA|USDA|VA) 39 $11,225,000 $287,821 $10,617 4.76%
SALINAS, CA (FHA|USDA|VA) 20 $11,210,000 $560,500 $12,823 4.22%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 61 $11,185,000 $183,361 $7,268 4.05%
SAGINAW, MI (FHA|USDA|VA) 66 $11,150,000 $168,939 $5,288 5.12%
PANAMA CITY, FL (FHA|USDA|VA) 46 $11,050,000 $240,217 $8,099 4.81%
GREEN BAY, WI (FHA|USDA|VA) 49 $10,715,000 $218,673 $5,187 4.75%
BOISE CITY, ID (FHA|USDA|VA) 26 $10,700,000 $411,538 $10,383 4.17%
Athens, TN (FHA|USDA|VA) 51 $10,455,000 $205,000 $9,519 4.69%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 51 $10,345,000 $202,843 $9,501 4.82%
MODESTO, CA (FHA|USDA|VA) 32 $10,320,000 $322,500 $8,317 4.73%
FARGO, ND-MN (FHA|USDA|VA) 40 $10,220,000 $255,500 $10,626 4.55%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 44 $9,800,000 $222,727 $8,312 4.68%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 41 $9,795,000 $238,902 $7,345 4.47%
HAMMOND, LA (FHA|USDA|VA) 43 $9,715,000 $225,930 $8,389 5.03%
Shelby, NC (FHA|USDA|VA) 49 $9,675,000 $197,449 $8,056 4.28%
GREENVILLE, NC (FHA|USDA|VA) 48 $9,480,000 $197,500 $6,601 3.87%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 26 $9,260,000 $356,154 $11,966 4.19%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 36 $9,180,000 $255,000 $7,741 4.20%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 38 $8,890,000 $233,947 $9,140 4.96%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 60 $8,640,000 $144,000 $6,366 4.03%
GREELEY, CO (FHA|USDA|VA) 23 $8,525,000 $370,652 $10,782 4.31%
LAS CRUCES, NM (FHA|USDA|VA) 36 $8,440,000 $234,444 $7,788 4.60%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 40 $8,380,000 $209,500 $8,802 4.99%
LONGVIEW, TX (FHA|USDA|VA) 40 $8,220,000 $205,500 $8,266 4.10%
CORPUS CHRISTI, TX (FHA|USDA|VA) 37 $8,145,000 $220,135 $9,245 4.51%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 20 $8,130,000 $406,500 $12,651 4.56%
TEXARKANA, TX-AR (FHA|USDA|VA) 54 $8,060,000 $149,259 $6,881 4.24%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 35 $8,045,000 $229,857 $10,171 4.87%
HINESVILLE, GA (FHA|USDA|VA) 40 $8,030,000 $200,750 $8,828 4.80%
Athens, TX (FHA|USDA|VA) 33 $7,785,000 $235,909 $8,384 4.96%
MADERA, CA (FHA|USDA|VA) 23 $7,755,000 $337,174 $11,139 4.59%
CLEVELAND, TN (FHA|USDA|VA) 34 $7,720,000 $227,059 $8,068 4.86%
Greeneville, TN (FHA|USDA|VA) 41 $7,675,000 $187,195 $7,971 5.69%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 12 $7,600,000 $633,333 $14,337 4.48%
NAPA, CA (FHA|USDA|VA) 12 $7,550,000 $629,167 $15,832 5.56%
Pahrump, NV (FHA|USDA|VA) 32 $7,530,000 $235,313 $9,974 4.59%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 34 $7,510,000 $220,882 $8,420 4.48%
Key West, FL (FHA|USDA|VA) 11 $7,465,000 $678,636 $17,452 3.95%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 13 $7,295,000 $561,154 $13,305 4.80%
Plymouth, IN (FHA|USDA|VA) 43 $7,015,000 $163,140 $6,205 5.34%
MADISON, WI (FHA|USDA|VA) 27 $7,005,000 $259,444 $6,891 4.16%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 30 $7,000,000 $233,333 $9,460 4.83%
GAINESVILLE, GA (FHA|USDA|VA) 14 $6,960,000 $497,143 $14,616 4.56%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 29 $6,925,000 $238,793 $9,111 4.12%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 33 $6,915,000 $209,545 $8,619 4.92%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 31 $6,825,000 $220,161 $9,349 4.54%
DULUTH, MN-WI (FHA|USDA|VA) 33 $6,725,000 $203,788 $8,715 5.00%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 37 $6,705,000 $181,216 $7,788 5.19%
LAFAYETTE, LA (FHA|USDA|VA) 27 $6,575,000 $243,519 $7,870 4.02%
EAST STROUDSBURG, PA (FHA|USDA|VA) 25 $6,555,000 $262,200 $10,393 4.53%
Fernley, NV (FHA|USDA|VA) 22 $6,470,000 $294,091 $12,043 4.74%
WILMINGTON, NC (FHA|USDA|VA) 24 $6,420,000 $267,500 $4,752 4.59%
Ellensburg, WA (FHA|USDA|VA) 16 $6,260,000 $391,250 $13,400 4.78%
FOND DU LAC, WI (FHA|USDA|VA) 42 $6,160,000 $146,667 $5,743 5.07%
LAWTON, OK (FHA|USDA|VA) 33 $6,075,000 $184,091 $9,905 5.70%
MEDFORD, OR (FHA|USDA|VA) 17 $6,065,000 $356,765 $10,818 4.37%
FORT COLLINS, CO (FHA|USDA|VA) 18 $6,060,000 $336,667 $8,202 4.70%
ROCHESTER, MN (FHA|USDA|VA) 31 $6,035,000 $194,677 $6,173 4.34%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 26 $6,010,000 $231,154 $9,702 4.74%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 30 $5,930,000 $197,667 $6,912 4.53%
BAY CITY, MI (FHA|USDA|VA) 42 $5,890,000 $140,238 $4,989 5.12%
SPRINGFIELD, MO (FHA|USDA|VA) 29 $5,855,000 $201,897 $5,892 4.20%
BOULDER, CO (FHA|USDA|VA) 11 $5,825,000 $529,545 $11,164 4.16%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 27 $5,805,000 $215,000 $9,056 4.50%
FLINT, MI (FHA|USDA|VA) 35 $5,765,000 $164,714 $5,643 4.66%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 30 $5,750,000 $191,667 $8,424 4.28%
ST. CLOUD, MN (FHA|USDA|VA) 27 $5,745,000 $212,778 $8,668 4.68%
Traverse City, MI (FHA|USDA|VA) 23 $5,635,000 $245,000 $7,919 5.16%
Hilo, HI (FHA|USDA|VA) 12 $5,630,000 $469,167 $11,300 4.51%
Warsaw, IN (FHA|USDA|VA) 36 $5,510,000 $153,056 $5,253 5.29%
YUBA CITY, CA (FHA|USDA|VA) 18 $5,440,000 $302,222 $9,413 4.58%
YORK-HANOVER, PA (FHA|USDA|VA) 28 $5,380,000 $192,143 $9,301 4.37%
Seneca, SC (FHA|USDA|VA) 24 $5,360,000 $223,333 $10,532 4.75%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 21 $5,305,000 $252,619 $10,385 5.21%
Marion, NC (FHA|USDA|VA) 35 $5,215,000 $149,000 $8,206 4.77%
Georgetown, SC (FHA|USDA|VA) 16 $5,120,000 $320,000 $8,488 4.52%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 23 $5,105,000 $221,957 $5,725 4.44%
Columbus, MS (FHA|USDA|VA) 28 $5,100,000 $182,143 $8,070 4.68%
ROCKFORD, IL (FHA|USDA|VA) 31 $5,065,000 $163,387 $6,534 4.90%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 9 $5,025,000 $558,333 $10,481 4.58%
WACO, TX (FHA|USDA|VA) 22 $5,020,000 $228,182 $8,452 4.58%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 17 $5,015,000 $295,000 $10,218 4.57%
IDAHO FALLS, ID (FHA|USDA|VA) 17 $4,905,000 $288,529 $8,820 4.15%
DAYTON-KETTERING, OH (FHA|USDA|VA) 29 $4,875,000 $168,103 $7,145 4.68%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 20 $4,830,000 $241,500 $8,018 4.17%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 9 $4,825,000 $536,111 $14,991 3.99%
Port Angeles, WA (FHA|USDA|VA) 14 $4,800,000 $342,857 $8,890 6.33%
DALTON, GA (FHA|USDA|VA) 24 $4,800,000 $200,000 $6,986 4.92%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 30 $4,760,000 $158,667 $6,883 4.64%
Whitewater, WI (FHA|USDA|VA) 19 $4,725,000 $248,684 $7,157 4.58%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 13 $4,625,000 $355,769 $11,369 4.11%
COLUMBUS, GA-AL (FHA|USDA|VA) 19 $4,555,000 $239,737 $7,916 4.59%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $4,495,000 $642,143 $11,458 4.20%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 30 $4,490,000 $149,667 $7,521 4.79%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 16 $4,410,000 $275,625 $12,393 4.93%
THE VILLAGES, FL (FHA|USDA|VA) 16 $4,400,000 $275,000 $9,831 4.50%
Forest City, NC (FHA|USDA|VA) 20 $4,320,000 $216,000 $14,477 4.78%
AKRON, OH (FHA|USDA|VA) 28 $4,300,000 $153,571 $5,995 4.56%
NILES, MI (FHA|USDA|VA) 30 $4,240,000 $141,333 $5,892 5.32%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 20 $4,190,000 $209,500 $9,403 4.67%
Gardnerville Ranchos, NV (FHA|USDA|VA) 9 $4,185,000 $465,000 $6,867 4.60%
READING, PA (FHA|USDA|VA) 20 $4,160,000 $208,000 $8,011 4.02%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 13 $4,155,000 $319,615 $8,099 4.11%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 22 $4,040,000 $183,636 $7,115 4.42%
JACKSONVILLE, NC (FHA|USDA|VA) 18 $4,030,000 $223,889 $7,892 4.21%
WICHITA FALLS, TX (FHA|USDA|VA) 21 $3,985,000 $189,762 $10,517 4.66%
WINCHESTER, VA-WV (FHA|USDA|VA) 17 $3,985,000 $234,412 $6,964 4.03%
VALDOSTA, GA (FHA|USDA|VA) 17 $3,935,000 $231,471 $8,923 5.32%
BEND, OR (FHA|USDA|VA) 9 $3,925,000 $436,111 $12,907 4.73%
PUEBLO, CO (FHA|USDA|VA) 16 $3,910,000 $244,375 $9,381 4.15%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 15 $3,855,000 $257,000 $7,376 4.04%
OCEAN CITY, NJ (FHA|USDA|VA) 12 $3,850,000 $320,833 $7,851 4.02%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 23 $3,815,000 $165,870 $6,426 4.99%
SUMTER, SC (FHA|USDA|VA) 18 $3,780,000 $210,000 $8,068 5.30%
RAPID CITY, SD (FHA|USDA|VA) 12 $3,730,000 $310,833 $7,505 4.21%
MONTGOMERY, AL (FHA|USDA|VA) 18 $3,670,000 $203,889 $7,561 4.38%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 13 $3,655,000 $281,154 $8,226 5.09%
YAKIMA, WA (FHA|USDA|VA) 11 $3,645,000 $331,364 $10,906 4.49%
FLAGSTAFF, AZ (FHA|USDA|VA) 10 $3,590,000 $359,000 $7,919 4.29%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 13 $3,585,000 $275,769 $13,104 4.72%
Red Wing, MN (FHA|USDA|VA) 15 $3,575,000 $238,333 $8,475 4.29%
DECATUR, AL (FHA|USDA|VA) 19 $3,535,000 $186,053 $7,349 4.87%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 16 $3,530,000 $220,625 $8,637 4.40%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 22 $3,530,000 $160,455 $6,864 5.00%
JACKSON, TN (FHA|USDA|VA) 18 $3,520,000 $195,556 $6,213 4.04%
JONESBORO, AR (FHA|USDA|VA) 18 $3,520,000 $195,556 $7,581 4.08%
BILLINGS, MT (FHA|USDA|VA) 14 $3,470,000 $247,857 $8,204 3.91%
Show Low, AZ (FHA|USDA|VA) 13 $3,465,000 $266,538 $8,157 5.19%
LAKE CHARLES, LA (FHA|USDA|VA) 15 $3,425,000 $228,333 $9,342 5.11%
Muscatine, IA (FHA|USDA|VA) 21 $3,415,000 $162,619 $7,196 4.90%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 18 $3,410,000 $189,444 $7,118 5.63%
EAU CLAIRE, WI (FHA|USDA|VA) 15 $3,405,000 $227,000 $4,911 4.81%
Dayton, TN (FHA|USDA|VA) 12 $3,370,000 $280,833 $8,499 5.08%
BURLINGTON, NC (FHA|USDA|VA) 15 $3,365,000 $224,333 $7,706 4.19%
YUMA, AZ (FHA|USDA|VA) 16 $3,360,000 $210,000 $8,105 4.41%
GRAND JUNCTION, CO (FHA|USDA|VA) 14 $3,350,000 $239,286 $10,663 3.53%
LOGAN, UT-ID (FHA|USDA|VA) 11 $3,345,000 $304,091 $8,583 4.34%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 12 $3,340,000 $278,333 $7,465 5.18%
ENID, OK (FHA|USDA|VA) 21 $3,325,000 $158,333 $7,926 5.12%
Jefferson, GA (FHA|USDA|VA) 10 $3,240,000 $324,000 $11,740 5.06%
Torrington, CT (FHA|USDA|VA) 13 $3,225,000 $248,077 $8,229 4.52%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 13 $3,205,000 $246,538 $10,003 4.67%
CHICO, CA (FHA|USDA|VA) 13 $3,175,000 $244,231 $9,353 4.17%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 10 $3,160,000 $316,000 $11,108 4.80%
Kalispell, MT (FHA|USDA|VA) 7 $3,105,000 $443,571 $19,790 4.30%
NEW BERN, NC (FHA|USDA|VA) 16 $3,060,000 $191,250 $6,742 4.47%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 18 $3,060,000 $170,000 $6,526 5.07%
Tullahoma-Manchester, TN (FHA|USDA|VA) 15 $3,055,000 $203,667 $9,199 4.67%
Moses Lake, WA (FHA|USDA|VA) 13 $3,025,000 $232,692 $11,239 4.90%
CEDAR RAPIDS, IA (FHA|USDA|VA) 16 $3,020,000 $188,750 $6,087 4.45%
Palatka, FL (FHA|USDA|VA) 17 $3,015,000 $177,353 $8,676 4.53%
KANKAKEE, IL (FHA|USDA|VA) 16 $3,010,000 $188,125 $7,784 5.29%
Corsicana, TX (FHA|USDA|VA) 16 $2,990,000 $186,875 $6,638 4.26%
FORT WAYNE, IN (FHA|USDA|VA) 19 $2,945,000 $155,000 $5,222 4.32%
Glenwood Springs, CO (FHA|USDA|VA) 11 $2,935,000 $266,818 $7,714 3.24%
Mineral Wells, TX (FHA|USDA|VA) 14 $2,930,000 $209,286 $9,931 4.96%
Centralia, WA (FHA|USDA|VA) 11 $2,915,000 $265,000 $7,587 4.82%
Oil City, PA (FHA|USDA|VA) 27 $2,915,000 $107,963 $6,080 4.93%
Crossville, TN (FHA|USDA|VA) 15 $2,905,000 $193,667 $7,473 4.89%
Spearfish, SD (FHA|USDA|VA) 7 $2,885,000 $412,143 $13,128 5.45%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 12 $2,870,000 $239,167 $8,862 4.18%
Outside of Metro Areas 10 $2,860,000 $286,000 $9,437 4.11%
Oak Harbor, WA (FHA|USDA|VA) 7 $2,825,000 $403,571 $9,881 4.68%
REDDING, CA (FHA|USDA|VA) 10 $2,810,000 $281,000 $11,305 5.07%
Tupelo, MS (FHA|USDA|VA) 13 $2,795,000 $215,000 $7,542 4.57%
Gaffney, SC (FHA|USDA|VA) 13 $2,785,000 $214,231 $9,069 5.59%
Payson, AZ (FHA|USDA|VA) 10 $2,780,000 $278,000 $8,350 4.62%
RACINE, WI (FHA|USDA|VA) 13 $2,745,000 $211,154 $6,936 4.62%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 16 $2,720,000 $170,000 $8,261 4.51%
WARNER ROBINS, GA (FHA|USDA|VA) 14 $2,720,000 $194,286 $9,739 5.09%
TOLEDO, OH (FHA|USDA|VA) 17 $2,715,000 $159,706 $6,378 4.98%
Shelbyville, TN (FHA|USDA|VA) 11 $2,715,000 $246,818 $9,613 4.77%
Cadillac, MI (FHA|USDA|VA) 18 $2,710,000 $150,556 $7,136 5.30%
Williston, ND (FHA|USDA|VA) 8 $2,690,000 $336,250 $13,511 4.67%
Albemarle, NC (FHA|USDA|VA) 11 $2,685,000 $244,091 $7,515 3.94%
Bluefield, WV-VA (FHA|USDA|VA) 16 $2,660,000 $166,250 $6,415 4.72%
Jacksonville, TX (FHA|USDA|VA) 12 $2,610,000 $217,500 $9,595 4.50%
Fredericksburg, TX (FHA|USDA|VA) 6 $2,540,000 $423,333 $10,873 3.79%
Bonham, TX (FHA|USDA|VA) 11 $2,535,000 $230,455 $10,551 4.44%
ALBANY-LEBANON, OR (FHA|USDA|VA) 10 $2,530,000 $253,000 $7,930 3.74%
Newport, TN (FHA|USDA|VA) 13 $2,525,000 $194,231 $9,456 5.00%
LANCASTER, PA (FHA|USDA|VA) 12 $2,510,000 $209,167 $7,534 3.36%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 13 $2,505,000 $192,692 $9,341 4.36%
SPRINGFIELD, MA (FHA|USDA|VA) 8 $2,460,000 $307,500 $9,599 4.94%
Boone, NC (FHA|USDA|VA) 7 $2,445,000 $349,286 $7,406 3.70%
ROCKY MOUNT, NC (FHA|USDA|VA) 13 $2,415,000 $185,769 $7,823 4.50%
FLORENCE, SC (FHA|USDA|VA) 11 $2,405,000 $218,636 $7,423 4.10%
Arcadia, FL (FHA|USDA|VA) 11 $2,405,000 $218,636 $8,781 4.61%
Mount Pleasant, TX (FHA|USDA|VA) 5 $2,395,000 $479,000 $14,007 5.37%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 13 $2,375,000 $182,692 $7,840 4.66%
Beaver Dam, WI (FHA|USDA|VA) 12 $2,360,000 $196,667 $8,096 4.59%
Greenwood, SC (FHA|USDA|VA) 12 $2,350,000 $195,833 $9,379 4.91%
WICHITA, KS (FHA|USDA|VA) 15 $2,345,000 $156,333 $7,438 4.67%
Gainesville, TX (FHA|USDA|VA) 12 $2,330,000 $194,167 $7,951 3.59%
Lake City, FL (FHA|USDA|VA) 14 $2,320,000 $165,714 $7,922 3.87%
Statesboro, GA (FHA|USDA|VA) 12 $2,320,000 $193,333 $9,518 5.21%
Clewiston, FL (FHA|USDA|VA) 12 $2,320,000 $193,333 $9,159 4.78%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 13 $2,285,000 $175,769 $6,321 4.45%
HOT SPRINGS, AR (FHA|USDA|VA) 11 $2,255,000 $205,000 $7,337 4.35%
Elizabeth City, NC (FHA|USDA|VA) 11 $2,255,000 $205,000 $10,380 4.20%
Lawrenceburg, TN (FHA|USDA|VA) 8 $2,250,000 $281,250 $9,962 4.95%
COLUMBIA, MO (FHA|USDA|VA) 9 $2,225,000 $247,222 $7,686 3.37%
BINGHAMTON, NY (FHA|USDA|VA) 12 $2,190,000 $182,500 $10,819 4.71%
LEBANON, PA (FHA|USDA|VA) 10 $2,190,000 $219,000 $8,399 4.93%
Newberry, SC (FHA|USDA|VA) 9 $2,185,000 $242,778 $12,737 6.21%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 11 $2,145,000 $195,000 $11,017 4.50%
Owatonna, MN (FHA|USDA|VA) 8 $2,140,000 $267,500 $8,480 3.90%
Steamboat Springs, CO (FHA|USDA|VA) 3 $2,135,000 $711,667 $2,801 3.71%
ROCHESTER, NY (FHA|USDA|VA) 9 $2,125,000 $236,111 $10,411 4.85%
Sturgis, MI (FHA|USDA|VA) 13 $2,125,000 $163,462 $7,874 5.58%
Mount Airy, NC (FHA|USDA|VA) 15 $2,115,000 $141,000 $4,712 4.05%
ANCHORAGE, AK (FHA|USDA|VA) 6 $2,080,000 $346,667 $7,634 3.71%
Kill Devil Hills, NC (FHA|USDA|VA) 6 $2,060,000 $343,333 $9,511 4.81%
Española, NM (FHA|USDA|VA) 8 $2,050,000 $256,250 $14,237 5.19%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 5 $2,035,000 $407,000 $9,214 3.78%
ROME, GA (FHA|USDA|VA) 13 $2,035,000 $156,538 $6,381 3.80%
Paragould, AR (FHA|USDA|VA) 10 $2,020,000 $202,000 $6,632 4.90%
SYRACUSE, NY (FHA|USDA|VA) 11 $2,005,000 $182,273 $8,934 4.76%
Stephenville, TX (FHA|USDA|VA) 8 $1,990,000 $248,750 $9,646 5.26%
JACKSON, MS (FHA|USDA|VA) 9 $1,965,000 $218,333 $8,916 4.89%
JACKSON, MI (FHA|USDA|VA) 15 $1,955,000 $130,333 $5,583 5.07%
TWIN FALLS, ID (FHA|USDA|VA) 8 $1,950,000 $243,750 $7,383 3.89%
Jesup, GA (FHA|USDA|VA) 8 $1,950,000 $243,750 $7,752 4.17%
SHEBOYGAN, WI (FHA|USDA|VA) 10 $1,950,000 $195,000 $6,113 5.45%
Shelton, WA (FHA|USDA|VA) 5 $1,935,000 $387,000 $11,016 4.17%
SIOUX FALLS, SD (FHA|USDA|VA) 7 $1,915,000 $273,571 $7,805 4.52%
LAREDO, TX (FHA|USDA|VA) 8 $1,910,000 $238,750 $9,981 4.37%
Tahlequah, OK (FHA|USDA|VA) 6 $1,910,000 $318,333 $13,021 5.10%
Hermiston-Pendleton, OR (FHA|USDA|VA) 7 $1,905,000 $272,143 $11,983 5.16%
Rockport, TX (FHA|USDA|VA) 7 $1,885,000 $269,286 $8,902 4.39%
Breckenridge, CO (FHA|USDA|VA) 4 $1,880,000 $470,000 $6,184 4.81%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 9 $1,875,000 $208,333 $8,857 5.71%
MONROE, MI (FHA|USDA|VA) 9 $1,875,000 $208,333 $4,004 4.81%
Sulphur Springs, TX (FHA|USDA|VA) 8 $1,870,000 $233,750 $8,892 4.05%
Levelland, TX (FHA|USDA|VA) 9 $1,855,000 $206,111 $10,692 5.61%
Mount Pleasant, MI (FHA|USDA|VA) 12 $1,850,000 $154,167 $6,100 5.42%
STAUNTON, VA (FHA|USDA|VA) 8 $1,830,000 $228,750 $7,329 3.98%
CANTON-MASSILLON, OH (FHA|USDA|VA) 13 $1,825,000 $140,385 $5,551 4.55%
Snyder, TX (FHA|USDA|VA) 14 $1,820,000 $130,000 $7,670 5.28%
Lewisburg, TN (FHA|USDA|VA) 7 $1,795,000 $256,429 $8,367 4.05%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 5 $1,775,000 $355,000 $17,896 4.63%
Red Bluff, CA (FHA|USDA|VA) 8 $1,770,000 $221,250 $7,747 4.64%
ALBANY, GA (FHA|USDA|VA) 9 $1,765,000 $196,111 $9,892 4.89%
SPRINGFIELD, OH (FHA|USDA|VA) 12 $1,760,000 $146,667 $6,662 4.05%
BELLINGHAM, WA (FHA|USDA|VA) 4 $1,760,000 $440,000 $10,349 5.47%
CARSON CITY, NV (FHA|USDA|VA) 4 $1,750,000 $437,500 $4,801 5.40%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 7 $1,735,000 $247,857 $10,067 3.95%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 10 $1,710,000 $171,000 $5,044 4.36%
Durango, CO (FHA|USDA|VA) 3 $1,705,000 $568,333 $8,330 3.92%
Richmond-Berea, KY (FHA|USDA|VA) 9 $1,705,000 $189,444 $6,621 4.22%
Wilson, NC (FHA|USDA|VA) 10 $1,700,000 $170,000 $6,944 3.56%
Hutchinson, MN (FHA|USDA|VA) 7 $1,695,000 $242,143 $11,027 4.95%
Cullowhee, NC (FHA|USDA|VA) 6 $1,690,000 $281,667 $11,307 4.38%
Astoria, OR (FHA|USDA|VA) 5 $1,685,000 $337,000 $10,065 5.82%
LaGrange, GA-AL (FHA|USDA|VA) 12 $1,680,000 $140,000 $5,348 4.67%
Huntsville, TX (FHA|USDA|VA) 5 $1,645,000 $329,000 $11,680 6.25%
DUBUQUE, IA (FHA|USDA|VA) 9 $1,645,000 $182,778 $8,120 5.82%
GOLDSBORO, NC (FHA|USDA|VA) 5 $1,645,000 $329,000 $6,678 4.75%
JOPLIN, MO (FHA|USDA|VA) 11 $1,635,000 $148,636 $6,631 4.42%
BISMARCK, ND (FHA|USDA|VA) 7 $1,635,000 $233,571 $10,182 4.26%
Brainerd, MN (FHA|USDA|VA) 9 $1,635,000 $181,667 $8,560 4.17%
POCATELLO, ID (FHA|USDA|VA) 6 $1,630,000 $271,667 $8,500 3.89%
EVANSVILLE, IN-KY (FHA|USDA|VA) 8 $1,620,000 $202,500 $6,171 3.58%
APPLETON, WI (FHA|USDA|VA) 8 $1,570,000 $196,250 $4,980 4.06%
BRUNSWICK, GA (FHA|USDA|VA) 8 $1,550,000 $193,750 $7,482 4.67%
Holland, MI (FHA|USDA|VA) 7 $1,545,000 $220,714 $4,793 5.03%
Middlesborough, KY (FHA|USDA|VA) 10 $1,530,000 $153,000 $8,782 5.34%
Juneau, AK (FHA|USDA|VA) 6 $1,520,000 $253,333 $9,582 4.75%
Newport, OR (FHA|USDA|VA) 6 $1,520,000 $253,333 $8,483 4.00%
PEORIA, IL (FHA|USDA|VA) 9 $1,485,000 $165,000 $6,654 4.07%
ALEXANDRIA, LA (FHA|USDA|VA) 7 $1,475,000 $210,714 $5,295 3.91%
SAN ANGELO, TX (FHA|USDA|VA) 9 $1,465,000 $162,778 $7,733 4.04%
Brookings, OR (FHA|USDA|VA) 5 $1,465,000 $293,000 $10,277 3.67%
BANGOR, ME (FHA|USDA|VA) 8 $1,440,000 $180,000 $10,109 4.69%
BOWLING GREEN, KY (FHA|USDA|VA) 7 $1,435,000 $205,000 $7,435 4.59%
Meadville, PA (FHA|USDA|VA) 13 $1,425,000 $109,615 $6,909 4.64%
Danville, VA (FHA|USDA|VA) 8 $1,420,000 $177,500 $7,411 5.25%
North Wilkesboro, NC (FHA|USDA|VA) 8 $1,420,000 $177,500 $7,974 5.27%
BLOOMINGTON, IN (FHA|USDA|VA) 5 $1,415,000 $283,000 $4,941 3.80%
Sweetwater, TX (FHA|USDA|VA) 6 $1,410,000 $235,000 $11,844 5.69%
Kendallville, IN (FHA|USDA|VA) 9 $1,395,000 $155,000 $5,220 5.82%
Aberdeen, WA (FHA|USDA|VA) 7 $1,385,000 $197,857 $4,978 3.27%
Sanford, NC (FHA|USDA|VA) 6 $1,380,000 $230,000 $9,156 4.85%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $1,370,000 $342,500 $9,904 5.38%
Milledgeville, GA (FHA|USDA|VA) 4 $1,370,000 $342,500 $13,060 5.75%
JEFFERSON CITY, MO (FHA|USDA|VA) 8 $1,370,000 $171,250 $8,156 4.45%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 8 $1,350,000 $168,750 $4,385 4.41%
Fergus Falls, MN (FHA|USDA|VA) 7 $1,345,000 $192,143 $7,694 4.21%
Clinton, IA (FHA|USDA|VA) 10 $1,330,000 $133,000 $7,568 5.23%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 7 $1,325,000 $189,286 $6,907 4.50%
Okeechobee, FL (FHA|USDA|VA) 7 $1,305,000 $186,429 $11,582 5.98%
KINGSTON, NY (FHA|USDA|VA) 3 $1,305,000 $435,000 $18,635 4.71%
Shawnee, OK (FHA|USDA|VA) 6 $1,300,000 $216,667 $7,357 4.38%
FARMINGTON, NM (FHA|USDA|VA) 7 $1,295,000 $185,000 $5,526 3.91%
GRAND FORKS, ND-MN (FHA|USDA|VA) 5 $1,295,000 $259,000 $13,542 5.40%
Dickinson, ND (FHA|USDA|VA) 6 $1,290,000 $215,000 $8,586 4.21%
Plainview, TX (FHA|USDA|VA) 7 $1,285,000 $183,571 $9,133 4.57%
Manitowoc, WI (FHA|USDA|VA) 7 $1,285,000 $183,571 $4,883 5.23%
Alamogordo, NM (FHA|USDA|VA) 7 $1,275,000 $182,143 $8,838 3.68%
BATTLE CREEK, MI (FHA|USDA|VA) 9 $1,265,000 $140,556 $7,162 5.88%
DuBois, PA (FHA|USDA|VA) 9 $1,265,000 $140,556 $5,959 4.61%
Roseburg, OR (FHA|USDA|VA) 5 $1,255,000 $251,000 $8,605 3.60%
VICTORIA, TX (FHA|USDA|VA) 7 $1,235,000 $176,429 $6,538 4.39%
Coos Bay, OR (FHA|USDA|VA) 6 $1,220,000 $203,333 $8,810 3.52%
GADSDEN, AL (FHA|USDA|VA) 8 $1,220,000 $152,500 $6,060 3.86%
Paris, TX (FHA|USDA|VA) 5 $1,215,000 $243,000 $11,590 4.30%
ERIE, PA (FHA|USDA|VA) 7 $1,205,000 $172,143 $9,003 5.12%
Rexburg, ID (FHA|USDA|VA) 4 $1,200,000 $300,000 $5,845 4.59%
Orangeburg, SC (FHA|USDA|VA) 8 $1,200,000 $150,000 $9,854 4.13%
OWENSBORO, KY (FHA|USDA|VA) 8 $1,200,000 $150,000 $5,520 3.20%
Clearlake, CA (FHA|USDA|VA) 5 $1,195,000 $239,000 $8,367 5.42%
IOWA CITY, IA (FHA|USDA|VA) 6 $1,190,000 $198,333 $8,376 4.38%
Dublin, GA (FHA|USDA|VA) 6 $1,180,000 $196,667 $8,222 4.96%
Bogalusa, LA (FHA|USDA|VA) 7 $1,175,000 $167,857 $8,159 5.11%
Ottawa, IL (FHA|USDA|VA) 5 $1,175,000 $235,000 $8,120 3.85%
Faribault-Northfield, MN (FHA|USDA|VA) 4 $1,170,000 $292,500 $11,100 5.31%
Opelousas, LA (FHA|USDA|VA) 8 $1,170,000 $146,250 $6,906 3.76%
Brownwood, TX (FHA|USDA|VA) 7 $1,155,000 $165,000 $6,869 5.30%
CHARLESTON, WV (FHA|USDA|VA) 6 $1,150,000 $191,667 $8,792 4.31%
Frankfort, KY (FHA|USDA|VA) 6 $1,150,000 $191,667 $5,623 4.21%
Alma, MI (FHA|USDA|VA) 7 $1,145,000 $163,571 $6,461 5.57%
Morehead City, NC (FHA|USDA|VA) 5 $1,135,000 $227,000 $5,479 3.90%
Natchitoches, LA (FHA|USDA|VA) 7 $1,105,000 $157,857 $8,527 5.14%
Barre, VT (FHA|USDA|VA) 6 $1,100,000 $183,333 $4,673 3.31%
Cornelia, GA (FHA|USDA|VA) 3 $1,095,000 $365,000 $5,385 5.13%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 7 $1,085,000 $155,000 $5,805 5.84%
Waycross, GA (FHA|USDA|VA) 7 $1,085,000 $155,000 $7,716 5.84%
Mason City, IA (FHA|USDA|VA) 7 $1,075,000 $153,571 $6,982 5.21%
Cedartown, GA (FHA|USDA|VA) 7 $1,065,000 $152,143 $7,830 6.09%
Brevard, NC (FHA|USDA|VA) 3 $1,065,000 $355,000 $3,597 4.54%
Sandpoint, ID (FHA|USDA|VA) 3 $1,055,000 $351,667 $7,161 5.62%
Seymour, IN (FHA|USDA|VA) 5 $1,055,000 $211,000 $9,919 4.85%
Pecos, TX (FHA|USDA|VA) 5 $1,055,000 $211,000 $11,984 5.45%
Ardmore, OK (FHA|USDA|VA) 5 $1,055,000 $211,000 $7,293 5.43%
WAUSAU-WESTON, WI (FHA|USDA|VA) 5 $1,045,000 $209,000 $11,588 5.65%
FORT SMITH, AR-OK (FHA|USDA|VA) 6 $1,040,000 $173,333 $7,371 3.92%
MANSFIELD, OH (FHA|USDA|VA) 8 $1,040,000 $130,000 $6,886 5.31%
Helena, MT (FHA|USDA|VA) 4 $1,030,000 $257,500 $11,288 3.66%
Ottawa, KS (FHA|USDA|VA) 3 $1,025,000 $341,667 $20,427 4.58%
Fallon, NV (FHA|USDA|VA) 4 $1,020,000 $255,000 $7,245 3.00%
CHEYENNE, WY (FHA|USDA|VA) 3 $1,015,000 $338,333 $7,617 3.71%
Lumberton, NC (FHA|USDA|VA) 8 $1,010,000 $126,250 $6,747 3.63%
MANKATO, MN (FHA|USDA|VA) 6 $990,000 $165,000 $4,448 5.44%
Montrose, CO (FHA|USDA|VA) 3 $975,000 $325,000 $6,322 3.91%
Bardstown, KY (FHA|USDA|VA) 6 $970,000 $161,667 $7,536 4.31%
St. Marys, GA (FHA|USDA|VA) 5 $965,000 $193,000 $7,851 4.47%
PITTSFIELD, MA (FHA|USDA|VA) 5 $965,000 $193,000 $7,030 4.65%
Glasgow, KY (FHA|USDA|VA) 4 $960,000 $240,000 $10,433 3.63%
Oneonta, NY (FHA|USDA|VA) 4 $960,000 $240,000 $9,818 4.91%
Picayune, MS (FHA|USDA|VA) 5 $955,000 $191,000 $7,187 4.74%
Richmond, IN (FHA|USDA|VA) 7 $955,000 $136,429 $4,282 4.11%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 6 $950,000 $158,333 $8,404 4.90%
Pottsville, PA (FHA|USDA|VA) 6 $950,000 $158,333 $6,948 4.38%
Pontiac, IL (FHA|USDA|VA) 7 $945,000 $135,000 $6,242 5.10%
Cookeville, TN (FHA|USDA|VA) 4 $940,000 $235,000 $9,518 4.40%
Sonora, CA (FHA|USDA|VA) 2 $930,000 $465,000 $10,960 5.13%
MISSOULA, MT (FHA|USDA|VA) 3 $925,000 $308,333 $11,560 3.25%
Edwards, CO (FHA|USDA|VA) 2 $920,000 $460,000 $5,324 3.50%
Ontario, OR-ID (FHA|USDA|VA) 5 $915,000 $183,000 $7,385 4.37%
Minot, ND (FHA|USDA|VA) 5 $915,000 $183,000 $11,102 4.98%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 6 $910,000 $151,667 $8,295 4.54%
Concord, NH (FHA|USDA|VA) 4 $910,000 $227,500 $9,203 5.46%
Bay City, TX (FHA|USDA|VA) 4 $890,000 $222,500 $11,053 5.06%
Oxford, MS (FHA|USDA|VA) 3 $875,000 $291,667 $9,977 5.58%
CARBONDALE-MARION, IL (FHA|USDA|VA) 6 $860,000 $143,333 $6,826 4.77%
Austin, MN (FHA|USDA|VA) 6 $860,000 $143,333 $9,014 5.27%
Pearsall, TX (FHA|USDA|VA) 4 $860,000 $215,000 $7,791 4.06%
MONROE, LA (FHA|USDA|VA) 5 $855,000 $171,000 $6,576 4.33%
Mount Vernon, OH (FHA|USDA|VA) 4 $850,000 $212,500 $5,738 4.38%
Winona, MN (FHA|USDA|VA) 5 $845,000 $169,000 $7,582 4.13%
LINCOLN, NE (FHA|USDA|VA) 4 $840,000 $210,000 $8,280 4.16%
Palestine, TX (FHA|USDA|VA) 4 $840,000 $210,000 $9,047 6.06%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 6 $830,000 $138,333 $8,043 5.23%
DeRidder, LA (FHA|USDA|VA) 3 $815,000 $271,667 $8,949 5.96%
Big Spring, TX (FHA|USDA|VA) 4 $810,000 $202,500 $7,067 3.66%
Del Rio, TX (FHA|USDA|VA) 2 $800,000 $400,000 $9,659 3.81%
Union, SC (FHA|USDA|VA) 4 $800,000 $200,000 $14,605 4.56%
Somerset, KY (FHA|USDA|VA) 5 $765,000 $153,000 $7,132 4.30%
ANN ARBOR, MI (FHA|USDA|VA) 2 $760,000 $380,000 $9,312 3.31%
DOTHAN, AL (FHA|USDA|VA) 6 $760,000 $126,667 $5,905 4.39%
BLOOMINGTON, IL (FHA|USDA|VA) 4 $750,000 $187,500 $6,266 5.19%
Martinsville, VA (FHA|USDA|VA) 4 $750,000 $187,500 $7,476 4.03%
AMES, IA (FHA|USDA|VA) 5 $745,000 $149,000 $8,809 5.15%
GREAT FALLS, MT (FHA|USDA|VA) 4 $740,000 $185,000 $9,859 3.38%
WILLIAMSPORT, PA (FHA|USDA|VA) 4 $740,000 $185,000 $11,967 4.56%
Angola, IN (FHA|USDA|VA) 3 $735,000 $245,000 $13,923 5.13%
Danville, KY (FHA|USDA|VA) 6 $720,000 $120,000 $5,526 4.98%
Alice, TX (FHA|USDA|VA) 4 $720,000 $180,000 $8,513 4.38%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 3 $715,000 $238,333 $8,601 4.54%
HARRISONBURG, VA (FHA|USDA|VA) 3 $705,000 $235,000 $7,795 4.96%
CASPER, WY (FHA|USDA|VA) 3 $705,000 $235,000 $6,865 3.96%
Clovis, NM (FHA|USDA|VA) 3 $705,000 $235,000 $6,817 4.04%
Easton, MD (FHA|USDA|VA) 2 $700,000 $350,000 $14,976 4.12%
Carlsbad-Artesia, NM (FHA|USDA|VA) 4 $700,000 $175,000 $9,163 4.15%
Connersville, IN (FHA|USDA|VA) 3 $695,000 $231,667 $10,119 4.79%
Searcy, AR (FHA|USDA|VA) 2 $690,000 $345,000 $16,576 4.63%
Prineville, OR (FHA|USDA|VA) 2 $680,000 $340,000 $11,377 4.00%
Coldwater, MI (FHA|USDA|VA) 4 $670,000 $167,500 $6,738 5.06%
Cambridge, MD (FHA|USDA|VA) 3 $665,000 $221,667 $9,738 4.33%
Butte-Silver Bow, MT (FHA|USDA|VA) 3 $665,000 $221,667 $11,378 3.33%
Lebanon, NH-VT (FHA|USDA|VA) 3 $655,000 $218,333 $13,566 3.95%
Henderson, NC (FHA|USDA|VA) 4 $650,000 $162,500 $9,804 4.22%
Menomonie, WI (FHA|USDA|VA) 2 $650,000 $325,000 $8,304 4.81%
Defiance, OH (FHA|USDA|VA) 4 $650,000 $162,500 $8,783 5.34%
GRANTS PASS, OR (FHA|USDA|VA) 3 $645,000 $215,000 $6,588 4.21%
Spirit Lake, IA (FHA|USDA|VA) 1 $645,000 $645,000 $29,926 2.63%
Vineyard Haven, MA (FHA|USDA|VA) 1 $645,000 $645,000 $9,842 4.13%
Alexander City, AL (FHA|USDA|VA) 2 $640,000 $320,000 $21,469 4.38%
Wahpeton, ND-MN (FHA|USDA|VA) 4 $640,000 $160,000 $7,405 4.16%
Douglas, GA (FHA|USDA|VA) 3 $635,000 $211,667 $9,469 5.33%
Pella, IA (FHA|USDA|VA) 4 $630,000 $157,500 $6,503 5.03%
Roanoke Rapids, NC (FHA|USDA|VA) 4 $630,000 $157,500 $5,753 3.56%
ALTOONA, PA (FHA|USDA|VA) 6 $630,000 $105,000 $6,649 4.00%
Blytheville, AR (FHA|USDA|VA) 5 $625,000 $125,000 $5,751 4.35%
Augusta-Waterville, ME (FHA|USDA|VA) 3 $615,000 $205,000 $6,638 5.50%
MUNCIE, IN (FHA|USDA|VA) 3 $615,000 $205,000 $6,806 4.54%
Shawano, WI (FHA|USDA|VA) 4 $610,000 $152,500 $4,364 4.87%
LIMA, OH (FHA|USDA|VA) 3 $605,000 $201,667 $5,903 5.13%
Brenham, TX (FHA|USDA|VA) 2 $600,000 $300,000 $15,616 3.93%
STATE COLLEGE, PA (FHA|USDA|VA) 3 $595,000 $198,333 $6,471 4.42%
New Philadelphia-Dover, OH (FHA|USDA|VA) 4 $590,000 $147,500 $5,995 3.91%
Elko, NV (FHA|USDA|VA) 4 $590,000 $147,500 $11,227 4.00%
Summerville, GA (FHA|USDA|VA) 3 $585,000 $195,000 $9,540 5.00%
Salem, OH (FHA|USDA|VA) 5 $585,000 $117,000 $6,780 4.60%
Russellville, AR (FHA|USDA|VA) 3 $585,000 $195,000 $7,945 3.33%
Las Vegas, NM (FHA|USDA|VA) 2 $580,000 $290,000 $9,937 4.38%
Hudson, NY (FHA|USDA|VA) 2 $580,000 $290,000 $18,171 6.13%
Farmington, MO (FHA|USDA|VA) 3 $575,000 $191,667 $7,422 4.38%
Marshalltown, IA (FHA|USDA|VA) 3 $575,000 $191,667 $6,727 4.29%
Spencer, IA (FHA|USDA|VA) 4 $570,000 $142,500 $7,862 5.50%
Bartlesville, OK (FHA|USDA|VA) 3 $565,000 $188,333 $10,700 5.75%
Wooster, OH (FHA|USDA|VA) 5 $565,000 $113,000 $5,037 3.65%
London, KY (FHA|USDA|VA) 4 $560,000 $140,000 $4,939 3.56%
Bluffton, IN (FHA|USDA|VA) 4 $560,000 $140,000 $4,650 3.31%
Madison, IN (FHA|USDA|VA) 2 $560,000 $280,000 $7,894 4.69%
Atmore, AL (FHA|USDA|VA) 3 $555,000 $185,000 $5,878 3.83%
Worthington, MN (FHA|USDA|VA) 3 $555,000 $185,000 $7,726 4.58%
Norwalk, OH (FHA|USDA|VA) 4 $550,000 $137,500 $5,347 4.66%
Uvalde, TX (FHA|USDA|VA) 2 $550,000 $275,000 $9,523 5.25%
Beeville, TX (FHA|USDA|VA) 3 $545,000 $181,667 $10,242 4.42%
Pullman, WA (FHA|USDA|VA) 1 $545,000 $545,000 $11,912 6.13%
McMinnville, TN (FHA|USDA|VA) 4 $540,000 $135,000 $5,992 4.94%
MUSKEGON, MI (FHA|USDA|VA) 3 $535,000 $178,333 $3,891 3.21%
Vidalia, GA (FHA|USDA|VA) 3 $535,000 $178,333 $7,439 5.04%
Port Lavaca, TX (FHA|USDA|VA) 2 $530,000 $265,000 $8,171 3.31%
Portsmouth, OH (FHA|USDA|VA) 4 $530,000 $132,500 $4,522 3.72%
St. Marys, PA (FHA|USDA|VA) 4 $520,000 $130,000 $7,212 5.19%
Cullman, AL (FHA|USDA|VA) 2 $520,000 $260,000 $7,317 4.43%
LEWISTON, ID-WA (FHA|USDA|VA) 4 $520,000 $130,000 $5,430 3.50%
Calhoun, GA (FHA|USDA|VA) 3 $515,000 $171,667 $7,197 5.16%
Vernal, UT (FHA|USDA|VA) 3 $515,000 $171,667 $8,046 5.13%
Selinsgrove, PA (FHA|USDA|VA) 3 $515,000 $171,667 $8,835 4.95%
WHEELING, WV-OH (FHA|USDA|VA) 3 $515,000 $171,667 $10,923 5.13%
Elk City, OK (FHA|USDA|VA) 4 $510,000 $127,500 $7,454 5.69%
Ozark, AL (FHA|USDA|VA) 2 $510,000 $255,000 $7,579 6.06%
Zanesville, OH (FHA|USDA|VA) 3 $505,000 $168,333 $9,994 4.83%
Albert Lea, MN (FHA|USDA|VA) 5 $505,000 $101,000 $5,352 5.23%
Hailey, ID (FHA|USDA|VA) 2 $500,000 $250,000 $12,966 2.56%
Taos, NM (FHA|USDA|VA) 2 $500,000 $250,000 $12,292 3.19%
The Dalles, OR (FHA|USDA|VA) 3 $495,000 $165,000 $9,181 3.96%
Lebanon, MO (FHA|USDA|VA) 1 $495,000 $495,000 $4,263 2.75%
Kinston, NC (FHA|USDA|VA) 5 $495,000 $99,000 $5,876 3.48%
Bozeman, MT (FHA|USDA|VA) 1 $495,000 $495,000 $6,129 3.25%
Jennings, LA (FHA|USDA|VA) 3 $495,000 $165,000 $5,362 3.92%
Starkville, MS (FHA|USDA|VA) 2 $490,000 $245,000 $13,251 4.50%
Duncan, OK (FHA|USDA|VA) 3 $485,000 $161,667 $9,040 5.21%
Chillicothe, OH (FHA|USDA|VA) 3 $485,000 $161,667 $9,119 5.17%
Urbana, OH (FHA|USDA|VA) 3 $485,000 $161,667 $5,551 4.08%
Roswell, NM (FHA|USDA|VA) 3 $485,000 $161,667 $7,132 3.46%
MORGANTOWN, WV (FHA|USDA|VA) 2 $480,000 $240,000 $8,183 4.56%
Jackson, OH (FHA|USDA|VA) 2 $480,000 $240,000 $3,727 5.93%
Silver City, NM (FHA|USDA|VA) 3 $475,000 $158,333 $8,677 6.08%
KOKOMO, IN (FHA|USDA|VA) 5 $475,000 $95,000 $5,706 4.40%
Auburn, IN (FHA|USDA|VA) 2 $470,000 $235,000 $3,989 5.00%
Rockingham, NC (FHA|USDA|VA) 4 $470,000 $117,500 $7,174 5.19%
Ada, OK (FHA|USDA|VA) 4 $470,000 $117,500 $6,490 6.09%
Durant, OK (FHA|USDA|VA) 2 $470,000 $235,000 $12,642 5.06%
Safford, AZ (FHA|USDA|VA) 3 $455,000 $151,667 $7,770 5.71%
McAlester, OK (FHA|USDA|VA) 1 $455,000 $455,000 $2,626 5.63%
Norfolk, NE (FHA|USDA|VA) 3 $455,000 $151,667 $10,058 4.54%
Thomaston, GA (FHA|USDA|VA) 3 $455,000 $151,667 $9,605 5.67%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $450,000 $225,000 $6,746 4.81%
Woodward, OK (FHA|USDA|VA) 2 $450,000 $225,000 $12,164 5.50%
Grand Rapids, MN (FHA|USDA|VA) 2 $450,000 $225,000 $13,294 5.88%
Olean, NY (FHA|USDA|VA) 3 $445,000 $148,333 $8,310 5.92%
El Campo, TX (FHA|USDA|VA) 2 $440,000 $220,000 $6,311 4.25%
WALLA WALLA, WA (FHA|USDA|VA) 2 $440,000 $220,000 $6,331 3.56%
Burley, ID (FHA|USDA|VA) 3 $435,000 $145,000 $5,624 4.13%
Susanville, CA (FHA|USDA|VA) 3 $435,000 $145,000 $5,167 5.50%
CUMBERLAND, MD-WV (FHA|USDA|VA) 4 $430,000 $107,500 $6,618 4.25%
Winnemucca, NV (FHA|USDA|VA) 2 $430,000 $215,000 $4,856 3.75%
Stillwater, OK (FHA|USDA|VA) 2 $430,000 $215,000 $6,278 6.19%
Berlin, NH (FHA|USDA|VA) 2 $430,000 $215,000 $6,527 4.00%
Hobbs, NM (FHA|USDA|VA) 2 $430,000 $215,000 $9,586 3.25%
Enterprise, AL (FHA|USDA|VA) 2 $430,000 $215,000 $3,106 3.75%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 3 $425,000 $141,667 $7,865 5.83%
Ruidoso, NM (FHA|USDA|VA) 1 $425,000 $425,000 $13,909 3.75%
PINE BLUFF, AR (FHA|USDA|VA) 2 $420,000 $210,000 $5,505 4.44%
Dumas, TX (FHA|USDA|VA) 2 $420,000 $210,000 $6,485 5.44%
Paris, TN (FHA|USDA|VA) 4 $420,000 $105,000 $5,223 4.44%
Big Stone Gap, VA (FHA|USDA|VA) 4 $420,000 $105,000 $5,714 5.72%
Ukiah, CA (FHA|USDA|VA) 2 $410,000 $205,000 $9,134 3.50%
Americus, GA (FHA|USDA|VA) 4 $410,000 $102,500 $6,641 2.40%
Kingsville, TX (FHA|USDA|VA) 2 $410,000 $205,000 $11,449 5.00%
Albertville, AL (FHA|USDA|VA) 2 $410,000 $205,000 $6,904 4.87%
Fort Morgan, CO (FHA|USDA|VA) 2 $400,000 $200,000 $6,906 3.19%
Crawfordsville, IN (FHA|USDA|VA) 2 $400,000 $200,000 $14,569 5.12%
Sikeston, MO (FHA|USDA|VA) 4 $400,000 $100,000 $4,469 6.25%
Keene, NH (FHA|USDA|VA) 2 $400,000 $200,000 $9,340 6.13%
New Castle, PA (FHA|USDA|VA) 4 $400,000 $100,000 $5,557 4.97%
GLENS FALLS, NY (FHA|USDA|VA) 1 $395,000 $395,000 $0 5.99%
New Castle, IN (FHA|USDA|VA) 3 $395,000 $131,667 $6,082 4.71%
Tifton, GA (FHA|USDA|VA) 2 $390,000 $195,000 $7,593 5.63%
Craig, CO (FHA|USDA|VA) 2 $390,000 $195,000 $8,758 4.38%
MANHATTAN, KS (FHA|USDA|VA) 4 $390,000 $97,500 $5,503 5.25%
UTICA-ROME, NY (FHA|USDA|VA) 2 $390,000 $195,000 $10,339 5.06%
Sunbury, PA (FHA|USDA|VA) 2 $380,000 $190,000 $11,579 5.00%
Marshall, MN (FHA|USDA|VA) 2 $380,000 $190,000 $12,481 4.69%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $380,000 $190,000 $6,792 5.50%
Baraboo, WI (FHA|USDA|VA) 3 $375,000 $125,000 $7,007 4.79%
Morgan City, LA (FHA|USDA|VA) 3 $375,000 $125,000 $6,775 3.71%
Branson, MO (FHA|USDA|VA) 1 $375,000 $375,000 $5,919 2.88%
Sheridan, WY (FHA|USDA|VA) 1 $365,000 $365,000 $11,017 6.99%
Fort Dodge, IA (FHA|USDA|VA) 3 $365,000 $121,667 $8,631 4.38%
Marion, OH (FHA|USDA|VA) 4 $360,000 $90,000 $5,710 4.66%
Batavia, NY (FHA|USDA|VA) 2 $360,000 $180,000 $10,457 3.69%
Washington Court House, OH (FHA|USDA|VA) 3 $355,000 $118,333 $8,593 5.50%
Portales, NM (FHA|USDA|VA) 2 $350,000 $175,000 $9,413 4.06%
Laramie, WY (FHA|USDA|VA) 2 $350,000 $175,000 $5,947 3.87%
Cordele, GA (FHA|USDA|VA) 3 $345,000 $115,000 $5,582 7.08%
Malvern, AR (FHA|USDA|VA) 2 $340,000 $170,000 $8,635 5.69%
Greenville, OH (FHA|USDA|VA) 2 $340,000 $170,000 $12,839 5.50%
Nacogdoches, TX (FHA|USDA|VA) 2 $340,000 $170,000 $6,880 5.88%
Big Rapids, MI (FHA|USDA|VA) 3 $335,000 $111,667 $5,395 5.54%
Klamath Falls, OR (FHA|USDA|VA) 1 $335,000 $335,000 $6,534 4.63%
SPRINGFIELD, IL (FHA|USDA|VA) 3 $335,000 $111,667 $7,437 5.00%
Findlay, OH (FHA|USDA|VA) 2 $330,000 $165,000 $9,549 4.25%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $330,000 $165,000 $9,162 4.25%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 3 $325,000 $108,333 $4,207 5.17%
Hope, AR (FHA|USDA|VA) 2 $320,000 $160,000 $6,430 4.00%
Rochelle, IL (FHA|USDA|VA) 2 $320,000 $160,000 $2,141 2.63%
Raymondville, TX (FHA|USDA|VA) 2 $320,000 $160,000 $9,042 5.62%
Bemidji, MN (FHA|USDA|VA) 3 $315,000 $105,000 $4,292 4.88%
Ashtabula, OH (FHA|USDA|VA) 3 $315,000 $105,000 $7,682 4.50%
Burlington, IA-IL (FHA|USDA|VA) 3 $315,000 $105,000 $6,137 5.08%
West Plains, MO (FHA|USDA|VA) 2 $310,000 $155,000 $7,128 4.25%
Minden, LA (FHA|USDA|VA) 2 $310,000 $155,000 $5,584 5.25%
Fairmont, WV (FHA|USDA|VA) 2 $310,000 $155,000 $9,826 3.62%
Scottsboro, AL (FHA|USDA|VA) 2 $300,000 $150,000 $7,016 6.50%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $300,000 $150,000 $3,593 3.62%
Weatherford, OK (FHA|USDA|VA) 2 $290,000 $145,000 $6,665 4.49%
BECKLEY, WV (FHA|USDA|VA) 2 $290,000 $145,000 $7,961 3.63%
Gloversville, NY (FHA|USDA|VA) 2 $290,000 $145,000 $7,769 3.38%
Price, UT (FHA|USDA|VA) 2 $290,000 $145,000 $3,695 3.56%
Huntington, IN (FHA|USDA|VA) 2 $290,000 $145,000 $3,882 6.75%
Kerrville, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,543 3.88%
Martin, TN (FHA|USDA|VA) 3 $285,000 $95,000 $7,911 4.54%
Rutland, VT (FHA|USDA|VA) 2 $280,000 $140,000 $7,346 3.12%
Hood River, OR (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.75%
Crescent City, CA (FHA|USDA|VA) 1 $275,000 $275,000 $1,687 3.38%
JOHNSTOWN, PA (FHA|USDA|VA) 3 $275,000 $91,667 $7,031 3.71%
Vernon, TX (FHA|USDA|VA) 1 $275,000 $275,000 $13,502 4.99%
Bellefontaine, OH (FHA|USDA|VA) 2 $270,000 $135,000 $5,772 4.56%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $270,000 $135,000 $8,658 5.00%
TOPEKA, KS (FHA|USDA|VA) 2 $270,000 $135,000 $9,943 5.31%
Laconia, NH (FHA|USDA|VA) 1 $265,000 $265,000 $11,493 4.00%
Dyersburg, TN (FHA|USDA|VA) 4 $260,000 $65,000 $2,719 3.31%
GETTYSBURG, PA (FHA|USDA|VA) 1 $255,000 $255,000 $8,039 4.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $250,000 $125,000 $7,352 4.13%
Laurel, MS (FHA|USDA|VA) 2 $250,000 $125,000 $5,117 4.94%
Freeport, IL (FHA|USDA|VA) 2 $250,000 $125,000 $6,798 5.75%
Hillsdale, MI (FHA|USDA|VA) 2 $240,000 $120,000 $6,414 5.69%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $240,000 $120,000 $4,752 2.31%
Logansport, IN (FHA|USDA|VA) 2 $240,000 $120,000 $5,186 5.75%
Mount Sterling, KY (FHA|USDA|VA) 2 $240,000 $120,000 $5,798 4.38%
West Point, MS (FHA|USDA|VA) 2 $230,000 $115,000 $7,484 3.94%
Riverton, WY (FHA|USDA|VA) 1 $225,000 $225,000 $10,373 5.75%
Troy, AL (FHA|USDA|VA) 1 $225,000 $225,000 $7,953 2.38%
Thomasville, GA (FHA|USDA|VA) 1 $225,000 $225,000 $8,512 3.75%
Sayre, PA (FHA|USDA|VA) 2 $220,000 $110,000 $6,773 4.75%
Marietta, OH (FHA|USDA|VA) 2 $220,000 $110,000 $6,051 4.75%
Eufaula, AL-GA (FHA|USDA|VA) 2 $220,000 $110,000 $6,627 4.94%
Nogales, AZ (FHA|USDA|VA) 2 $220,000 $110,000 $3,919 2.88%
Amsterdam, NY (FHA|USDA|VA) 1 $215,000 $215,000 $4,060 4.25%
Mountain Home, ID (FHA|USDA|VA) 1 $215,000 $215,000 $6,713 4.25%
Rock Springs, WY (FHA|USDA|VA) 2 $210,000 $105,000 $7,046 3.69%
Eagle Pass, TX (FHA|USDA|VA) 2 $210,000 $105,000 $7,182 2.81%
Moultrie, GA (FHA|USDA|VA) 1 $205,000 $205,000 $9,809 5.75%
Pittsburg, KS (FHA|USDA|VA) 1 $205,000 $205,000 $6,024 3.75%
Willmar, MN (FHA|USDA|VA) 2 $200,000 $100,000 $4,534 5.63%
Kennett, MO (FHA|USDA|VA) 2 $200,000 $100,000 $6,472 4.81%
Sedalia, MO (FHA|USDA|VA) 1 $195,000 $195,000 $9,134 4.75%
Altus, OK (FHA|USDA|VA) 1 $195,000 $195,000 $10,993 5.25%
Warrensburg, MO (FHA|USDA|VA) 1 $195,000 $195,000 $6,960 4.13%
Lewisburg, PA (FHA|USDA|VA) 1 $195,000 $195,000 $12,228 4.75%
Miami, OK (FHA|USDA|VA) 1 $195,000 $195,000 $9,050 3.99%
Peru, IN (FHA|USDA|VA) 1 $185,000 $185,000 $7,525 5.99%
Wauchula, FL (FHA|USDA|VA) 1 $185,000 $185,000 $15,747 6.75%
North Vernon, IN (FHA|USDA|VA) 1 $185,000 $185,000 $1,735 3.50%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $185,000 $185,000 $11,903 5.75%
Sandusky, OH (FHA|USDA|VA) 1 $185,000 $185,000 $9,314 4.99%
COLUMBUS, IN (FHA|USDA|VA) 1 $175,000 $175,000 $4,808 2.50%
Fremont, NE (FHA|USDA|VA) 1 $175,000 $175,000 $7,342 4.75%
Cambridge, OH (FHA|USDA|VA) 1 $175,000 $175,000 $9,055 3.13%
Indiana, PA (FHA|USDA|VA) 2 $170,000 $85,000 $6,320 4.31%
Lamesa, TX (FHA|USDA|VA) 2 $170,000 $85,000 $5,928 7.25%
FAIRBANKS, AK (FHA|USDA|VA) 1 $165,000 $165,000 $4,486 3.38%
Muskogee, OK (FHA|USDA|VA) 1 $165,000 $165,000 $10,334 4.75%
Jasper, IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,524 5.99%
Blackfoot, ID (FHA|USDA|VA) 1 $165,000 $165,000 $5,329 2.25%
Laurinburg, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,973 5.63%
DECATUR, IL (FHA|USDA|VA) 1 $155,000 $155,000 $7,743 5.75%
Othello, WA (FHA|USDA|VA) 1 $155,000 $155,000 $2,895 3.38%
Fremont, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,482 6.75%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $155,000 $155,000 $9,742 3.38%
Stevens Point, WI (FHA|USDA|VA) 1 $155,000 $155,000 $10,727 4.50%
Deming, NM (FHA|USDA|VA) 1 $155,000 $155,000 $7,153 2.25%
Marion, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,807 3.75%
Greenwood, MS (FHA|USDA|VA) 1 $155,000 $155,000 $8,751 4.75%
Vincennes, IN (FHA|USDA|VA) 1 $155,000 $155,000 $5,252 6.75%
Lufkin, TX (FHA|USDA|VA) 1 $145,000 $145,000 $8,927 5.75%
Ashland, OH (FHA|USDA|VA) 1 $145,000 $145,000 $5,633 2.75%
Magnolia, AR (FHA|USDA|VA) 1 $145,000 $145,000 $7,198 3.75%
Macomb, IL (FHA|USDA|VA) 1 $145,000 $145,000 $8,746 4.75%
Jackson, WY-ID (FHA|USDA|VA) 1 $145,000 $145,000 $8,451 2.63%
Jacksonville, IL (FHA|USDA|VA) 1 $145,000 $145,000 $10,022 6.75%
Harrison, AR (FHA|USDA|VA) 1 $145,000 $145,000 $3,849 5.99%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $145,000 $145,000 $2,809 4.25%
Wabash, IN (FHA|USDA|VA) 1 $145,000 $145,000 $4,798 2.88%
Escanaba, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,162 2.75%
Fort Payne, AL (FHA|USDA|VA) 1 $135,000 $135,000 $4,357 3.88%
Ruston, LA (FHA|USDA|VA) 1 $135,000 $135,000 $9,370 3.99%
HATTIESBURG, MS (FHA|USDA|VA) 1 $135,000 $135,000 $9,955 6.63%
Hereford, TX (FHA|USDA|VA) 1 $135,000 $135,000 $7,337 6.38%
Corning, NY (FHA|USDA|VA) 1 $135,000 $135,000 $15,161 4.25%
Bennington, VT (FHA|USDA|VA) 1 $135,000 $135,000 $4,741 2.25%
Kearney, NE (FHA|USDA|VA) 1 $125,000 $125,000 $5,167 2.75%
Cañon City, CO (FHA|USDA|VA) 1 $125,000 $125,000 $4,103 3.75%
Hastings, NE (FHA|USDA|VA) 1 $125,000 $125,000 $4,828 3.13%
Salina, KS (FHA|USDA|VA) 1 $115,000 $115,000 $7,920 4.50%
Washington, NC (FHA|USDA|VA) 1 $115,000 $115,000 $6,030 5.63%
Fitzgerald, GA (FHA|USDA|VA) 1 $115,000 $115,000 $6,949 6.25%
Galesburg, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,712 2.99%
Meridian, MS (FHA|USDA|VA) 1 $115,000 $115,000 $4,141 3.25%
Coshocton, OH (FHA|USDA|VA) 2 $110,000 $55,000 $3,222 7.75%
Bennettsville, SC (FHA|USDA|VA) 1 $105,000 $105,000 $10,247 4.25%
Wilmington, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,086 3.75%
Brookhaven, MS (FHA|USDA|VA) 1 $105,000 $105,000 $6,556 6.25%
Madisonville, KY (FHA|USDA|VA) 1 $95,000 $95,000 $2,401 3.88%
Oskaloosa, IA (FHA|USDA|VA) 1 $95,000 $95,000 $3,062 3.13%
Selma, AL (FHA|USDA|VA) 1 $95,000 $95,000 $6,234 4.75%
Warren, PA (FHA|USDA|VA) 1 $95,000 $95,000 $4,098 3.63%
Jasper, AL (FHA|USDA|VA) 1 $85,000 $85,000 $6,712 3.75%
Lexington, NE (FHA|USDA|VA) 1 $85,000 $85,000 $6,705 3.00%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $85,000 $85,000 $8,411 6.25%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $85,000 $85,000 $8,085 5.75%
DANVILLE, IL (FHA|USDA|VA) 1 $85,000 $85,000 $5,282 2.25%
Winfield, KS (FHA|USDA|VA) 1 $85,000 $85,000 $4,636 6.75%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $85,000 $85,000 $8,244 5.00%
Marinette, WI-MI (FHA|USDA|VA) 1 $75,000 $75,000 $6,880 5.75%
Maryville, MO (FHA|USDA|VA) 1 $75,000 $75,000 $6,249 4.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $75,000 $75,000 $5,331 4.99%
Campbellsville, KY (FHA|USDA|VA) 1 $75,000 $75,000 $8,130 5.75%
Borger, TX (FHA|USDA|VA) 1 $75,000 $75,000 $5,723 6.88%
Platteville, WI (FHA|USDA|VA) 1 $65,000 $65,000 $5,157 4.99%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $65,000 $65,000 $3,086 3.88%
Mount Vernon, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,963 4.63%
Mexico, MO (FHA|USDA|VA) 2 $60,000 $30,000 $2,004 7.25%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $55,000 $55,000 $4,611 4.38%
Brownsville, TN (FHA|USDA|VA) 1 $55,000 $55,000 $4,614 5.75%
Batesville, AR (FHA|USDA|VA) 1 $55,000 $55,000 $4,800 3.88%
Cardinal Financial's top markets include New York, Dallas, Houston, Phoenix, and Las Vegas among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 24,618 $7,180,710,000 $291,685 $7,323 4.54%
    FHA 12,529 $3,415,105,000 $272,576 $12,730 4.90%
    VA 3,587 $1,316,605,000 $367,049 $12,944 4.71%
    USDA 670 $131,090,000 $195,657 $8,048 4.88%

    For 2022, Cardinal Financial's most frequently originated type of loan was Conventional, with 24,618 originations. Their 2nd most popular type was FHA, with 12,529 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 29,265 $8,902,655,000 $304,208 $10,060 4.92%
    Cash Out Refi 9,315 $2,441,405,000 $262,094 $8,928 4.22%
    Refi 2,824 $699,450,000 $247,681 $6,261 3.56%

    For 2022, Cardinal Financial's most frequently cited loan purpose was Home Purchase, with 29,265 originations. The 2nd most popular reason was Cash Out Refi, with 9,315 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 37,857 $11,441,525,000 $302,230 $10,009 4.81%
    15 Year 2,037 $399,575,000 $196,159 $5,524 3.17%
    20 Year 600 $128,300,000 $213,833 $5,699 3.72%
    10 Year 398 $32,100,000 $80,653 $1,908 4.94%
    3 Year 299 $2,185,000 $7,308 $2 0.00%
    Other 188 $39,480,000 $210,000 $6,899 3.82%
    5 Year 25 $345,000 $13,800 $4 0.00%

    For 2022, Cardinal Financial's most frequently cited loan duration was 30 Year, with 37,857 originations. The 2nd most popular length was 15 Year, with 2,037 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 15,150 $5,488,650,000 $362,287
    $1k-2k 5,911 $1,738,665,000 $294,141
    $<1k 4,783 $971,375,000 $203,089
    $3k-4k 4,705 $1,123,975,000 $238,889
    $2k-3k 4,645 $1,132,645,000 $243,842
    $4k-5k 4,333 $1,094,625,000 $252,625

    Cardinal Financial's average total fees were $10,009, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 15,150 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 11,462 $3,483,240,000 $303,895
    4-5% 10,290 $3,204,980,000 $311,466
    3-4% 9,505 $2,890,995,000 $304,155
    6-7% 4,636 $1,357,380,000 $292,791
    2.5-3% 2,214 $582,580,000 $263,135
    <2.5% 2,042 $209,690,000 $102,689
    7-8% 1,110 $309,650,000 $278,964
    Over 8% 145 $4,995,000 $34,448

    During 2022, Cardinal Financial's average interest rate for loans was 4.81%, while their most frequently originated rate bucket for loans was 5-6%, with 11,462 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 19,128 $5,473,560,000 $286,154 $9,856 4.82%
    $100k-200k 10,647 $1,643,655,000 $154,377 $6,841 4.69%
    $400k-600k 6,191 $2,945,405,000 $475,756 $13,541 4.90%
    $100,000 or less 3,081 $140,005,000 $45,441 $2,477 3.17%
    $600k-1MM 2,102 $1,493,810,000 $710,661 $16,921 4.73%
    $1MM+ 255 $347,075,000 $1,361,078 $22,691 4.46%

    2022 saw Cardinal Financial place emphasis on $200k-400k loans with 19,128 originations, totaling $5,473,560,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 10,772 $2,292,310,000 $212,803 $8,203 4.55%
    $100k-150k 9,280 $3,226,220,000 $347,653 $11,049 4.81%
    $75k-100k 8,636 $2,363,690,000 $273,702 $9,734 4.66%
    $50k or less 5,815 $861,055,000 $148,075 $6,716 4.42%
    $150k-250k 5,011 $2,210,535,000 $441,136 $12,025 4.90%
    $250k+ 1,797 $1,064,405,000 $592,323 $12,842 4.93%

    Cardinal Financial lent most frequently to those with incomes in the $50k-75k range, with 10,772 originations. The second most popular income band? $100k-150k, with 9,280 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 5,754 $1,614,160,000 $280,528 $8,474 4.63%
    50-60% 5,415 $1,658,655,000 $306,307 $13,438 4.74%
    20-30% 4,743 $1,293,875,000 $272,797 $7,692 4.55%
    49% 2,544 $778,330,000 $305,947 $10,180 4.81%
    44% 2,335 $654,105,000 $280,131 $8,983 4.63%
    43% 1,904 $552,290,000 $290,068 $9,105 4.64%
    42% 1,843 $547,815,000 $297,241 $9,204 4.65%
    45% 1,797 $523,465,000 $291,299 $9,686 4.78%
    48% 1,754 $533,090,000 $303,928 $9,898 4.82%
    41% 1,675 $493,035,000 $294,349 $9,131 4.71%
    40% 1,635 $478,815,000 $292,853 $9,022 4.67%
    47% 1,616 $494,680,000 $306,114 $10,330 4.75%
    46% 1,613 $478,465,000 $296,631 $9,875 4.73%
    39% 1,558 $442,160,000 $283,800 $8,695 4.62%
    38% 1,404 $400,400,000 $285,185 $8,691 4.66%
    37% 1,244 $352,510,000 $283,368 $8,518 4.69%
    36% 1,180 $335,760,000 $284,542 $8,811 4.69%
    <20% 1,145 $320,355,000 $279,786 $7,107 4.41%
    >60% 152 $66,250,000 $435,855 $15,390 4.66%

    Cardinal Financial lent most frequently to those with DTI ratios of 30-36%, with 5,754 originations. The next most common DTI ratio? 50-60%, with 5,415 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 28,881 $8,221,605,000 $284,672 $9,261 4.69%
    Not provided 5,626 $1,677,490,000 $298,167 $9,640 4.51%
    Black 4,439 $1,269,005,000 $285,876 $11,114 4.67%
    Asian 1,671 $608,215,000 $363,983 $9,853 4.74%
    American Indian 295 $77,965,000 $264,288 $8,936 4.93%
    Asian Indian 145 $62,475,000 $430,862 $11,509 4.58%
    Filipino 91 $34,725,000 $381,593 $11,700 4.89%
    Native Hawaiian or Islander 62 $22,330,000 $360,161 $11,422 4.63%
    Other Asian 56 $21,720,000 $387,857 $10,955 4.79%
    Vietnamese 51 $16,575,000 $325,000 $8,645 5.35%
    Chinese 28 $11,200,000 $400,000 $7,722 4.80%
    Other Pacific Islander 25 $8,175,000 $327,000 $12,967 4.82%
    Korean 11 $4,135,000 $375,909 $8,089 4.83%
    Native Hawaiian 8 $3,250,000 $406,250 $13,424 4.78%
    Japanese 9 $3,155,000 $350,556 $8,796 4.25%
    Guamanian 3 $895,000 $298,333 $10,754 4.17%
    Samoan 3 $595,000 $198,333 $7,705 3.08%

    Approval Rates

    Total approvals of all applications
    69.04%

    Cardinal Financial has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    67.54%

    Cardinal Financial 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 41,404 $12,043,510,000 $290,878

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    41,404 $12,043,510,000 $290,878

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,274 $229,340,000 $180,016 $6,011 4.26%
    40-60% 3,837 $942,865,000 $245,730 $7,017 4.28%
    60-80% 10,851 $3,270,245,000 $301,377 $8,787 4.56%
    80-100% 23,067 $7,293,795,000 $316,200 $10,833 5.01%
    Over 100% 712 $272,820,000 $383,174 $18,982 4.96%
    Under 20% 1,663 $34,445,000 $20,713 $461 1.70%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    CARDINAL FINANCIAL COMPANY Conventional home mortgage Struggling to pay mortgage 1 12.5%
    CARDINAL FINANCIAL COMPANY FHA mortgage Struggling to pay mortgage 1 12.5%
    CARDINAL FINANCIAL COMPANY FHA mortgage Trouble during payment process 2 25.0%
    CARDINAL FINANCIAL COMPANY Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 12.5%
    CARDINAL FINANCIAL COMPANY VA mortgage Closing on a mortgage 1 12.5%
    CARDINAL FINANCIAL COMPANY VA mortgage Trouble during payment process 2 25.0%