Academy Mortgage Corporation Rates, Fees & Info

Salt Lake City, UT

LEI: 549300WTZMQSET2VY242

Tax ID: 87-0456373

3.9 stars - out of 5 stars, based on 231 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Academy Mortgage Corporation is a large mortgage company specializing in Home Purchase and Refi loans. Academy Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Seattle, Phoenix, Portland, Ogden, and Boise City among others. We have data for 541 markets. (Some data included below & more in-depth data is available with an active subscription.)

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

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

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

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


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.29% 10/3/22
    30 Year Conventional Purchase 6.51% 10/3/22
    30 Year Conventional Refi 6.57% 10/3/22
    30 Year Cash-out Refi 6.76% 10/3/22
    30 Year FHA Purchase 7.73% 10/3/22
    30 Year FHA Refi 7.19% 10/3/22
    30 Year VA Purchase 6.44% 10/3/22
    30 Year VA Refi 6.01% 10/3/22
    30 Year USDA Purchase 7.05% 10/3/22
    30 Year USDA Refi 6.83% 10/3/22
    15 Year Conventional Purchase 6.14% 10/3/22
    15 Year Conventional Refi 6.40% 10/3/22
    15 Year Cash-out Refi 6.40% 10/3/22
    15 Year FHA Purchase 8.52% 10/3/22
    15 Year FHA Refi 7.52% 10/3/22
    15 Year VA Purchase 7.09% 10/3/22
    15 Year VA Refi 6.16% 10/3/22
    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.


    Originations

    53,246

    Origination Dollar Volume (All Markets)

    $15,520,170,000
    Show all (23) awards

    Relative Rate

    Academy Mortgage Corporation's average 30 year fixed mortgage rate was 3.1%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.05%.

    Relative Fees (Closing Costs)

    Academy Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $6,053.

    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
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2,332 $1,264,810,000 $542,371 $7,407 3.04%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3,781 $1,052,175,000 $278,280 $6,268 3.05%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2,491 $953,165,000 $382,644 $6,259 3.04%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2,907 $865,575,000 $297,755 $5,915 3.19%
    BOISE CITY, ID (FHA|USDA|VA) 2,440 $728,920,000 $298,738 $6,667 3.02%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1,902 $675,800,000 $355,310 $5,647 3.13%
    Outside of Metro Areas 1,950 $434,800,000 $222,974 $5,194 3.03%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1,192 $422,030,000 $354,052 $6,700 2.96%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1,162 $374,740,000 $322,496 $4,654 2.90%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1,010 $326,120,000 $322,891 $4,982 2.77%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1,361 $321,065,000 $235,904 $6,597 2.72%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1,225 $284,615,000 $232,339 $3,970 2.79%
    PROVO-OREM, UT (FHA|USDA|VA) 765 $260,435,000 $340,438 $6,328 3.15%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 605 $244,355,000 $403,893 $3,668 3.04%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 674 $229,090,000 $339,896 $5,027 2.78%
    MODESTO, CA (FHA|USDA|VA) 764 $216,310,000 $283,128 $4,844 2.88%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 925 $200,285,000 $216,524 $6,914 2.71%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 663 $193,985,000 $292,587 $7,378 2.72%
    FORT COLLINS, CO (FHA|USDA|VA) 568 $190,300,000 $335,035 $4,862 2.85%
    URBAN HONOLULU, HI (FHA|USDA|VA) 303 $188,945,000 $623,581 $11,192 2.92%
    ST. GEORGE, UT (FHA|USDA|VA) 566 $187,030,000 $330,442 $5,673 3.21%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 478 $185,660,000 $388,410 $6,733 2.76%
    YUMA, AZ (FHA|USDA|VA) 835 $159,375,000 $190,868 $7,133 2.77%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 792 $153,250,000 $193,497 $8,706 2.40%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 457 $145,475,000 $318,326 $4,170 3.08%
    GREELEY, CO (FHA|USDA|VA) 464 $144,640,000 $311,724 $4,991 2.76%
    SPRINGFIELD, MA (FHA|USDA|VA) 670 $141,320,000 $210,925 $5,118 3.02%
    JACKSONVILLE, FL (FHA|USDA|VA) 796 $139,190,000 $174,862 $6,326 2.45%
    SALEM, OR (FHA|USDA|VA) 417 $131,325,000 $314,928 $5,322 3.12%
    Outside of Metro Areas 401 $128,635,000 $320,786 $7,109 3.08%
    ANCHORAGE, AK (FHA|USDA|VA) 413 $126,725,000 $306,840 $6,887 2.95%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 751 $125,455,000 $167,051 $4,379 2.87%
    ALBUQUERQUE, NM (FHA|USDA|VA) 681 $121,175,000 $177,937 $5,700 3.43%
    Glenwood Springs, CO (FHA|USDA|VA) 364 $119,030,000 $327,005 $4,448 2.68%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 342 $117,400,000 $343,275 $6,514 3.23%
    Centralia, WA (FHA|USDA|VA) 400 $112,470,000 $281,175 $6,989 3.00%
    BEND, OR (FHA|USDA|VA) 290 $111,090,000 $383,069 $6,670 3.12%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 205 $100,365,000 $489,585 $8,721 2.90%
    STOCKTON, CA (FHA|USDA|VA) 280 $95,370,000 $340,607 $4,930 2.85%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 133 $86,035,000 $646,880 $8,126 3.16%
    Montrose, CO (FHA|USDA|VA) 319 $82,955,000 $260,047 $3,521 2.89%
    WALLA WALLA, WA (FHA|USDA|VA) 306 $81,940,000 $267,778 $5,631 2.82%
    Shelton, WA (FHA|USDA|VA) 302 $80,130,000 $265,331 $5,437 3.02%
    LONGVIEW, WA (FHA|USDA|VA) 309 $79,675,000 $257,848 $6,801 2.80%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 274 $76,620,000 $279,635 $4,896 2.89%
    FLAGSTAFF, AZ (FHA|USDA|VA) 224 $73,510,000 $328,170 $6,440 3.27%
    Edwards, CO (FHA|USDA|VA) 174 $73,250,000 $420,977 $4,252 2.87%
    RALEIGH-CARY, NC (FHA|USDA|VA) 231 $71,955,000 $311,494 $4,219 3.12%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 278 $71,460,000 $257,050 $5,875 3.19%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 443 $70,295,000 $158,679 $7,209 2.55%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 410 $69,870,000 $170,415 $6,923 2.99%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 189 $66,125,000 $349,868 $5,061 3.00%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 103 $61,485,000 $596,942 $7,363 2.99%
    Hilo, HI (FHA|USDA|VA) 191 $60,425,000 $316,361 $6,318 3.13%
    PITTSFIELD, MA (FHA|USDA|VA) 329 $60,415,000 $183,632 $5,810 3.19%
    Aberdeen, WA (FHA|USDA|VA) 242 $60,130,000 $248,471 $6,231 2.85%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 328 $56,350,000 $171,799 $3,415 2.62%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 215 $56,125,000 $261,047 $4,491 3.11%
    Cedar City, UT (FHA|USDA|VA) 206 $51,180,000 $248,447 $4,569 3.25%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 190 $50,240,000 $264,421 $5,052 3.07%
    YAKIMA, WA (FHA|USDA|VA) 241 $50,115,000 $207,946 $6,190 2.70%
    Ontario, OR-ID (FHA|USDA|VA) 204 $48,150,000 $236,029 $5,899 3.11%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 196 $46,380,000 $236,633 $6,234 3.25%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 74 $46,110,000 $623,108 $6,068 2.91%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 248 $44,440,000 $179,194 $4,487 2.78%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 165 $43,155,000 $261,545 $4,927 2.89%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 174 $41,730,000 $239,828 $5,791 3.22%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 132 $41,160,000 $311,818 $5,326 3.16%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 143 $39,835,000 $278,566 $5,166 3.16%
    BAY CITY, MI (FHA|USDA|VA) 382 $39,260,000 $102,775 $4,181 2.81%
    Heber, UT (FHA|USDA|VA) 83 $39,145,000 $471,627 $6,093 3.08%
    Ellensburg, WA (FHA|USDA|VA) 116 $39,100,000 $337,069 $5,698 3.07%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 102 $38,710,000 $379,510 $7,690 2.99%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 145 $36,735,000 $253,345 $6,102 3.08%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 100 $36,070,000 $360,700 $6,126 3.04%
    TYLER, TX (FHA|USDA|VA) 186 $35,860,000 $192,796 $6,445 2.70%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 113 $33,545,000 $296,858 $6,215 2.84%
    LOGAN, UT-ID (FHA|USDA|VA) 128 $32,860,000 $256,719 $5,194 3.13%
    ROCKFORD, IL (FHA|USDA|VA) 293 $31,695,000 $108,174 $5,086 2.24%
    Durango, CO (FHA|USDA|VA) 79 $28,145,000 $356,266 $3,920 3.00%
    MERCED, CA (FHA|USDA|VA) 83 $27,975,000 $337,048 $5,941 2.99%
    Easton, MD (FHA|USDA|VA) 82 $27,760,000 $338,537 $4,795 2.91%
    FORT WAYNE, IN (FHA|USDA|VA) 183 $27,355,000 $149,481 $3,851 2.68%
    YUBA CITY, CA (FHA|USDA|VA) 84 $26,500,000 $315,476 $5,850 3.20%
    ANN ARBOR, MI (FHA|USDA|VA) 87 $24,715,000 $284,080 $5,097 3.13%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 119 $24,565,000 $206,429 $4,563 3.16%
    FRESNO, CA (FHA|USDA|VA) 119 $24,555,000 $206,345 $7,206 2.54%
    MIDLAND, MI (FHA|USDA|VA) 183 $24,355,000 $133,087 $4,530 2.96%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 80 $24,290,000 $303,625 $7,625 2.85%
    PUEBLO, CO (FHA|USDA|VA) 122 $23,690,000 $194,180 $4,436 2.24%
    BOULDER, CO (FHA|USDA|VA) 59 $22,805,000 $386,525 $4,786 3.04%
    Elko, NV (FHA|USDA|VA) 82 $21,330,000 $260,122 $6,257 2.93%
    Vernal, UT (FHA|USDA|VA) 114 $18,700,000 $164,035 $6,551 3.68%
    CORVALLIS, OR (FHA|USDA|VA) 55 $18,045,000 $328,091 $4,574 3.25%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 80 $17,630,000 $220,375 $4,039 3.25%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 54 $17,600,000 $325,926 $6,104 3.31%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 32 $17,550,000 $548,438 $8,807 3.05%
    Astoria, OR (FHA|USDA|VA) 55 $17,195,000 $312,636 $5,370 3.02%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 106 $16,250,000 $153,302 $6,267 3.49%
    SAGINAW, MI (FHA|USDA|VA) 149 $16,045,000 $107,685 $4,590 2.85%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 71 $16,045,000 $225,986 $5,433 3.30%
    WORCESTER, MA-CT (FHA|USDA|VA) 51 $14,665,000 $287,549 $5,637 3.06%
    SAVANNAH, GA (FHA|USDA|VA) 67 $14,545,000 $217,090 $5,382 3.07%
    Oak Harbor, WA (FHA|USDA|VA) 32 $14,430,000 $450,938 $8,481 2.91%
    TUCSON, AZ (FHA|USDA|VA) 60 $13,890,000 $231,500 $6,428 3.05%
    Prineville, OR (FHA|USDA|VA) 45 $13,795,000 $306,556 $6,361 3.14%
    RENO, NV (FHA|USDA|VA) 45 $13,565,000 $301,444 $4,586 2.83%
    OCALA, FL (FHA|USDA|VA) 65 $12,855,000 $197,769 $5,463 3.06%
    Barre, VT (FHA|USDA|VA) 59 $12,535,000 $212,458 $5,261 2.95%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 51 $12,405,000 $243,235 $5,552 3.20%
    SALINAS, CA (FHA|USDA|VA) 25 $12,345,000 $493,800 $5,939 3.24%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 41 $12,335,000 $300,854 $5,178 3.18%
    CHICO, CA (FHA|USDA|VA) 37 $11,815,000 $319,324 $6,627 3.16%
    Mount Pleasant, MI (FHA|USDA|VA) 84 $11,690,000 $139,167 $4,402 3.28%
    MORRISTOWN, TN (FHA|USDA|VA) 61 $11,015,000 $180,574 $5,885 3.23%
    FLINT, MI (FHA|USDA|VA) 73 $10,815,000 $148,151 $4,941 3.13%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 45 $10,395,000 $231,000 $4,274 2.78%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 32 $10,360,000 $323,750 $5,713 3.15%
    IDAHO FALLS, ID (FHA|USDA|VA) 44 $9,790,000 $222,500 $6,303 2.78%
    Sandpoint, ID (FHA|USDA|VA) 28 $9,550,000 $341,071 $7,831 3.10%
    Granbury, TX (FHA|USDA|VA) 46 $9,510,000 $206,739 $5,640 2.61%
    MONROE, LA (FHA|USDA|VA) 49 $9,265,000 $189,082 $5,549 3.07%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 37 $9,175,000 $247,973 $5,871 3.26%
    Show Low, AZ (FHA|USDA|VA) 42 $9,070,000 $215,952 $5,606 3.12%
    BELLINGHAM, WA (FHA|USDA|VA) 22 $9,060,000 $411,818 $7,346 3.04%
    BANGOR, ME (FHA|USDA|VA) 50 $8,990,000 $179,800 $4,632 3.21%
    SALISBURY, MD-DE (FHA|USDA|VA) 34 $8,590,000 $252,647 $4,060 2.93%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 62 $8,500,000 $137,097 $7,661 3.00%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 42 $8,220,000 $195,714 $7,543 2.61%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 37 $8,195,000 $221,486 $5,441 3.06%
    Sonora, CA (FHA|USDA|VA) 30 $8,190,000 $273,000 $5,186 3.25%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 18 $7,970,000 $442,778 $5,566 3.03%
    WENATCHEE, WA (FHA|USDA|VA) 19 $7,835,000 $412,368 $6,729 3.01%
    Mountain Home, ID (FHA|USDA|VA) 41 $7,795,000 $190,122 $7,628 3.02%
    HATTIESBURG, MS (FHA|USDA|VA) 39 $7,075,000 $181,410 $6,721 3.17%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 31 $7,055,000 $227,581 $4,924 3.15%
    Lebanon, NH-VT (FHA|USDA|VA) 31 $6,835,000 $220,484 $5,248 3.09%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 19 $6,635,000 $349,211 $4,169 3.03%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 21 $6,585,000 $313,571 $5,506 3.18%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 30 $6,420,000 $214,000 $6,478 2.88%
    Port Angeles, WA (FHA|USDA|VA) 20 $6,410,000 $320,500 $6,158 3.11%
    Kalispell, MT (FHA|USDA|VA) 18 $6,170,000 $342,778 $3,634 3.31%
    Newport, OR (FHA|USDA|VA) 19 $6,145,000 $323,421 $5,839 3.24%
    Klamath Falls, OR (FHA|USDA|VA) 28 $6,020,000 $215,000 $5,244 3.22%
    Payson, AZ (FHA|USDA|VA) 19 $6,015,000 $316,579 $7,198 3.46%
    Rutland, VT (FHA|USDA|VA) 33 $5,885,000 $178,333 $5,574 2.59%
    TEXARKANA, TX-AR (FHA|USDA|VA) 47 $5,855,000 $124,574 $5,665 2.74%
    THE VILLAGES, FL (FHA|USDA|VA) 26 $5,620,000 $216,154 $4,254 3.33%
    POCATELLO, ID (FHA|USDA|VA) 24 $5,560,000 $231,667 $6,854 3.17%
    MONROE, MI (FHA|USDA|VA) 33 $5,525,000 $167,424 $5,056 2.88%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $5,245,000 $476,818 $7,810 3.03%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 21 $5,085,000 $242,143 $5,381 2.80%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 13 $5,015,000 $385,769 $7,384 3.30%
    Moses Lake, WA (FHA|USDA|VA) 17 $4,975,000 $292,647 $5,117 3.10%
    Augusta-Waterville, ME (FHA|USDA|VA) 20 $4,850,000 $242,500 $4,902 3.33%
    JACKSON, MS (FHA|USDA|VA) 28 $4,750,000 $169,643 $5,818 3.42%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 20 $4,670,000 $233,500 $6,773 2.78%
    Jacksonville, TX (FHA|USDA|VA) 17 $4,555,000 $267,941 $6,306 3.47%
    Breckenridge, CO (FHA|USDA|VA) 12 $4,470,000 $372,500 $3,697 2.83%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 21 $4,455,000 $212,143 $4,371 3.10%
    CHEYENNE, WY (FHA|USDA|VA) 17 $4,235,000 $249,118 $3,934 2.74%
    SANTA FE, NM (FHA|USDA|VA) 20 $4,220,000 $211,000 $5,152 3.48%
    PUNTA GORDA, FL (FHA|USDA|VA) 14 $4,200,000 $300,000 $5,814 3.14%
    VALLEJO, CA (FHA|USDA|VA) 13 $4,175,000 $321,154 $4,884 2.87%
    YORK-HANOVER, PA (FHA|USDA|VA) 19 $4,155,000 $218,684 $4,414 3.06%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 12 $4,130,000 $344,167 $5,198 3.11%
    LONGVIEW, TX (FHA|USDA|VA) 30 $4,110,000 $137,000 $6,560 2.77%
    Cañon City, CO (FHA|USDA|VA) 20 $4,070,000 $203,500 $4,990 2.43%
    TWIN FALLS, ID (FHA|USDA|VA) 18 $4,070,000 $226,111 $5,752 3.10%
    Athens, TX (FHA|USDA|VA) 17 $4,065,000 $239,118 $6,384 3.07%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 33 $4,015,000 $121,667 $6,112 2.34%
    Alma, MI (FHA|USDA|VA) 33 $4,005,000 $121,364 $4,518 3.52%
    Freeport, IL (FHA|USDA|VA) 59 $3,865,000 $65,508 $4,642 2.04%
    FAIRBANKS, AK (FHA|USDA|VA) 12 $3,860,000 $321,667 $7,374 3.04%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 21 $3,735,000 $177,857 $4,526 3.43%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 7 $3,685,000 $526,429 $7,082 3.04%
    Hobbs, NM (FHA|USDA|VA) 32 $3,600,000 $112,500 $6,169 3.52%
    FARMINGTON, NM (FHA|USDA|VA) 15 $3,545,000 $236,333 $4,845 3.37%
    BAKERSFIELD, CA (FHA|USDA|VA) 12 $3,350,000 $279,167 $6,468 3.41%
    WACO, TX (FHA|USDA|VA) 16 $3,310,000 $206,875 $4,950 2.98%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 19 $3,115,000 $163,947 $5,713 2.99%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 13 $3,055,000 $235,000 $6,496 2.94%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 12 $3,040,000 $253,333 $3,543 3.33%
    KNOXVILLE, TN (FHA|USDA|VA) 14 $2,990,000 $213,571 $4,963 3.04%
    VISALIA, CA (FHA|USDA|VA) 13 $2,935,000 $225,769 $7,632 2.61%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $2,925,000 $417,857 $8,959 2.57%
    Palatka, FL (FHA|USDA|VA) 26 $2,890,000 $111,154 $6,143 2.55%
    Cambridge, MD (FHA|USDA|VA) 12 $2,870,000 $239,167 $4,894 2.98%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 9 $2,855,000 $317,222 $3,988 2.89%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,840,000 $284,000 $4,882 3.04%
    GOLDSBORO, NC (FHA|USDA|VA) 11 $2,765,000 $251,364 $5,628 3.07%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 17 $2,745,000 $161,471 $4,283 3.40%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 19 $2,715,000 $142,895 $5,095 2.48%
    TULSA, OK (FHA|USDA|VA) 13 $2,695,000 $207,308 $4,730 3.08%
    MEDFORD, OR (FHA|USDA|VA) 7 $2,665,000 $380,714 $8,510 3.07%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $2,620,000 $436,667 $5,562 2.96%
    Coos Bay, OR (FHA|USDA|VA) 10 $2,620,000 $262,000 $4,609 3.09%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 17 $2,615,000 $153,824 $4,120 3.20%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 11 $2,565,000 $233,182 $3,060 2.80%
    RICHMOND, VA (FHA|USDA|VA) 10 $2,510,000 $251,000 $5,235 3.25%
    Morehead City, NC (FHA|USDA|VA) 6 $2,460,000 $410,000 $5,699 3.06%
    Auburn, IN (FHA|USDA|VA) 15 $2,435,000 $162,333 $3,697 2.82%
    Roseburg, OR (FHA|USDA|VA) 9 $2,415,000 $268,333 $6,031 3.07%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $2,340,000 $585,000 $12,743 2.94%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 8 $2,310,000 $288,750 $4,529 3.09%
    Kapaa, HI (FHA|USDA|VA) 4 $2,290,000 $572,500 $5,738 3.31%
    The Dalles, OR (FHA|USDA|VA) 8 $2,270,000 $283,750 $4,792 3.38%
    COLUMBUS, OH (FHA|USDA|VA) 10 $2,260,000 $226,000 $6,358 2.91%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 10 $2,230,000 $223,000 $3,780 3.19%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 12 $2,220,000 $185,000 $2,960 2.72%
    Eureka-Arcata, CA (FHA|USDA|VA) 5 $2,205,000 $441,000 $9,395 3.25%
    GRANTS PASS, OR (FHA|USDA|VA) 8 $2,170,000 $271,250 $5,745 3.23%
    Rexburg, ID (FHA|USDA|VA) 8 $2,130,000 $266,250 $7,056 2.83%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 14 $2,070,000 $147,857 $3,791 2.81%
    Hailey, ID (FHA|USDA|VA) 6 $2,040,000 $340,000 $10,018 3.06%
    LAS CRUCES, NM (FHA|USDA|VA) 10 $2,030,000 $203,000 $6,120 3.14%
    Sterling, CO (FHA|USDA|VA) 8 $1,970,000 $246,250 $7,186 2.84%
    WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,970,000 $246,250 $3,656 2.92%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 6 $1,970,000 $328,333 $2,931 2.94%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,940,000 $485,000 $9,276 3.22%
    Ruston, LA (FHA|USDA|VA) 10 $1,880,000 $188,000 $5,854 3.13%
    Craig, CO (FHA|USDA|VA) 13 $1,875,000 $144,231 $4,804 2.38%
    Angola, IN (FHA|USDA|VA) 10 $1,860,000 $186,000 $4,089 3.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $1,760,000 $176,000 $7,063 2.64%
    Searcy, AR (FHA|USDA|VA) 21 $1,755,000 $83,571 $5,872 2.94%
    REDDING, CA (FHA|USDA|VA) 7 $1,755,000 $250,714 $5,777 3.09%
    Whitewater, WI (FHA|USDA|VA) 9 $1,685,000 $187,222 $4,352 3.32%
    Burley, ID (FHA|USDA|VA) 9 $1,675,000 $186,111 $5,270 2.88%
    MADERA, CA (FHA|USDA|VA) 5 $1,655,000 $331,000 $8,732 3.10%
    Sanford, NC (FHA|USDA|VA) 7 $1,655,000 $236,429 $3,762 3.02%
    Laurel, MS (FHA|USDA|VA) 10 $1,610,000 $161,000 $6,518 3.00%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $1,580,000 $263,333 $7,544 3.02%
    EL PASO, TX (FHA|USDA|VA) 9 $1,565,000 $173,889 $6,921 2.54%
    JONESBORO, AR (FHA|USDA|VA) 16 $1,550,000 $96,875 $4,589 3.42%
    PITTSBURGH, PA (FHA|USDA|VA) 7 $1,535,000 $219,286 $3,766 2.66%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,520,000 $253,333 $3,970 3.23%
    Blackfoot, ID (FHA|USDA|VA) 9 $1,505,000 $167,222 $4,837 2.51%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $1,500,000 $250,000 $5,996 2.79%
    La Grande, OR (FHA|USDA|VA) 6 $1,480,000 $246,667 $4,857 3.13%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $1,470,000 $735,000 $6,478 2.88%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,460,000 $243,333 $5,023 3.27%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 8 $1,410,000 $176,250 $4,664 3.34%
    JACKSON, MI (FHA|USDA|VA) 9 $1,405,000 $156,111 $4,253 3.49%
    TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,395,000 $279,000 $11,064 2.63%
    DOVER, DE (FHA|USDA|VA) 7 $1,395,000 $199,286 $4,411 3.29%
    Rochelle, IL (FHA|USDA|VA) 10 $1,370,000 $137,000 $3,319 2.69%
    PANAMA CITY, FL (FHA|USDA|VA) 5 $1,355,000 $271,000 $7,006 3.35%
    Fort Morgan, CO (FHA|USDA|VA) 5 $1,345,000 $269,000 $7,504 2.33%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $1,335,000 $445,000 $6,751 3.33%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 8 $1,320,000 $165,000 $8,331 2.83%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 11 $1,315,000 $119,545 $6,241 2.25%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 7 $1,285,000 $183,571 $7,123 3.07%
    Okeechobee, FL (FHA|USDA|VA) 4 $1,270,000 $317,500 $8,216 3.72%
    Bennington, VT (FHA|USDA|VA) 6 $1,260,000 $210,000 $5,706 3.04%
    FAYETTEVILLE, NC (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,791 3.15%
    Las Vegas, NM (FHA|USDA|VA) 10 $1,230,000 $123,000 $5,510 2.34%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $1,230,000 $205,000 $3,356 3.35%
    Price, UT (FHA|USDA|VA) 9 $1,225,000 $136,111 $5,165 3.50%
    MIDLAND, TX (FHA|USDA|VA) 5 $1,185,000 $237,000 $7,583 2.95%
    Brookings, OR (FHA|USDA|VA) 4 $1,160,000 $290,000 $5,336 3.13%
    Beaver Dam, WI (FHA|USDA|VA) 4 $1,160,000 $290,000 $4,163 3.22%
    Warsaw, IN (FHA|USDA|VA) 7 $1,155,000 $165,000 $2,653 3.29%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 7 $1,155,000 $165,000 $5,718 3.16%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,145,000 $229,000 $10,982 2.85%
    Bozeman, MT (FHA|USDA|VA) 3 $1,145,000 $381,667 $3,380 3.17%
    WINCHESTER, VA-WV (FHA|USDA|VA) 3 $1,105,000 $368,333 $6,819 2.79%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,090,000 $272,500 $6,185 3.19%
    LEWISTON, ID-WA (FHA|USDA|VA) 5 $1,085,000 $217,000 $3,084 2.68%
    ABILENE, TX (FHA|USDA|VA) 6 $1,080,000 $180,000 $5,156 2.85%
    Batesville, AR (FHA|USDA|VA) 10 $1,080,000 $108,000 $7,163 3.40%
    CASPER, WY (FHA|USDA|VA) 6 $1,070,000 $178,333 $2,352 2.50%
    WILMINGTON, NC (FHA|USDA|VA) 4 $1,070,000 $267,500 $3,293 3.00%
    GREEN BAY, WI (FHA|USDA|VA) 5 $1,065,000 $213,000 $3,687 3.33%
    Warrensburg, MO (FHA|USDA|VA) 4 $1,060,000 $265,000 $4,560 3.72%
    MUSKEGON, MI (FHA|USDA|VA) 6 $1,060,000 $176,667 $3,848 3.27%
    Paris, TX (FHA|USDA|VA) 3 $1,055,000 $351,667 $10,668 3.04%
    AMARILLO, TX (FHA|USDA|VA) 9 $1,045,000 $116,111 $8,686 2.26%
    ODESSA, TX (FHA|USDA|VA) 8 $1,040,000 $130,000 $6,818 2.11%
    Del Rio, TX (FHA|USDA|VA) 6 $1,040,000 $173,333 $4,181 2.51%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 3 $1,035,000 $345,000 $7,774 2.92%
    NAPA, CA (FHA|USDA|VA) 3 $1,025,000 $341,667 $3,741 2.96%
    Concord, NH (FHA|USDA|VA) 3 $1,015,000 $338,333 $3,607 3.25%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $1,015,000 $338,333 $3,508 2.92%
    MADISON, WI (FHA|USDA|VA) 5 $1,015,000 $203,000 $3,089 3.25%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $1,015,000 $92,273 $3,543 3.34%
    Stephenville, TX (FHA|USDA|VA) 6 $980,000 $163,333 $4,994 2.21%
    GETTYSBURG, PA (FHA|USDA|VA) 5 $975,000 $195,000 $4,057 3.10%
    Steamboat Springs, CO (FHA|USDA|VA) 3 $965,000 $321,667 $3,315 2.00%
    GAINESVILLE, FL (FHA|USDA|VA) 5 $965,000 $193,000 $4,448 2.63%
    Fallon, NV (FHA|USDA|VA) 4 $960,000 $240,000 $5,334 3.03%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 7 $955,000 $136,429 $4,428 2.48%
    Newport, TN (FHA|USDA|VA) 5 $955,000 $191,000 $8,285 3.45%
    Adrian, MI (FHA|USDA|VA) 6 $950,000 $158,333 $4,005 2.96%
    Corsicana, TX (FHA|USDA|VA) 9 $945,000 $105,000 $6,415 2.22%
    Moscow, ID (FHA|USDA|VA) 4 $940,000 $235,000 $4,557 2.69%
    Kendallville, IN (FHA|USDA|VA) 5 $915,000 $183,000 $3,772 3.13%
    Red Bluff, CA (FHA|USDA|VA) 3 $915,000 $305,000 $7,681 2.88%
    BILLINGS, MT (FHA|USDA|VA) 2 $910,000 $455,000 $3,833 3.69%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 7 $905,000 $129,286 $3,337 2.34%
    ROCKY MOUNT, NC (FHA|USDA|VA) 4 $890,000 $222,500 $4,896 2.91%
    RACINE, WI (FHA|USDA|VA) 5 $875,000 $175,000 $3,474 3.00%
    LUBBOCK, TX (FHA|USDA|VA) 5 $855,000 $171,000 $4,602 3.25%
    TOPEKA, KS (FHA|USDA|VA) 4 $850,000 $212,500 $4,126 3.25%
    READING, PA (FHA|USDA|VA) 3 $845,000 $281,667 $4,859 3.17%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 3 $845,000 $281,667 $2,753 3.29%
    LANCASTER, PA (FHA|USDA|VA) 3 $835,000 $278,333 $9,818 3.21%
    Torrington, CT (FHA|USDA|VA) 4 $820,000 $205,000 $5,159 3.56%
    Rockport, TX (FHA|USDA|VA) 5 $815,000 $163,000 $4,543 2.40%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $815,000 $271,667 $5,313 3.38%
    VALDOSTA, GA (FHA|USDA|VA) 5 $805,000 $161,000 $6,169 3.18%
    Grants, NM (FHA|USDA|VA) 7 $795,000 $113,571 $5,287 3.70%
    WICHITA, KS (FHA|USDA|VA) 4 $790,000 $197,500 $2,812 3.03%
    Laconia, NH (FHA|USDA|VA) 2 $780,000 $390,000 $3,287 3.06%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 6 $780,000 $130,000 $6,192 2.04%
    Key West, FL (FHA|USDA|VA) 2 $770,000 $385,000 $5,043 4.00%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 5 $755,000 $151,000 $4,416 2.68%
    Gainesville, TX (FHA|USDA|VA) 2 $750,000 $375,000 $5,511 3.81%
    Sulphur Springs, TX (FHA|USDA|VA) 6 $740,000 $123,333 $11,971 2.21%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $735,000 $245,000 $4,942 2.79%
    LAREDO, TX (FHA|USDA|VA) 2 $730,000 $365,000 $4,117 2.75%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $725,000 $241,667 $5,931 3.38%
    ASHEVILLE, NC (FHA|USDA|VA) 2 $720,000 $360,000 $3,789 3.13%
    KANKAKEE, IL (FHA|USDA|VA) 5 $695,000 $139,000 $2,629 1.85%
    BATTLE CREEK, MI (FHA|USDA|VA) 3 $695,000 $231,667 $3,178 3.42%
    Gallup, NM (FHA|USDA|VA) 4 $690,000 $172,500 $5,467 2.81%
    Palestine, TX (FHA|USDA|VA) 2 $690,000 $345,000 $8,282 3.50%
    GREENVILLE, NC (FHA|USDA|VA) 3 $685,000 $228,333 $5,018 2.92%
    Nogales, AZ (FHA|USDA|VA) 3 $675,000 $225,000 $8,395 3.21%
    Roswell, NM (FHA|USDA|VA) 5 $665,000 $133,000 $4,815 3.43%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $665,000 $221,667 $3,431 3.33%
    Grenada, MS (FHA|USDA|VA) 7 $645,000 $92,143 $5,387 3.63%
    Jackson, WY-ID (FHA|USDA|VA) 2 $640,000 $320,000 $8,766 2.94%
    HOT SPRINGS, AR (FHA|USDA|VA) 2 $640,000 $320,000 $3,367 2.88%
    RAPID CITY, SD (FHA|USDA|VA) 2 $640,000 $320,000 $2,859 3.31%
    Winnemucca, NV (FHA|USDA|VA) 2 $640,000 $320,000 $6,221 3.13%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $625,000 $125,000 $3,661 3.20%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $625,000 $208,333 $6,901 3.33%
    Traverse City, MI (FHA|USDA|VA) 2 $620,000 $310,000 $7,948 2.81%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $615,000 $205,000 $8,220 3.13%
    EL CENTRO, CA (FHA|USDA|VA) 3 $615,000 $205,000 $5,289 2.38%
    Blytheville, AR (FHA|USDA|VA) 6 $610,000 $101,667 $5,836 3.38%
    Bonham, TX (FHA|USDA|VA) 3 $605,000 $201,667 $8,008 4.42%
    Washington, NC (FHA|USDA|VA) 2 $590,000 $295,000 $3,954 3.00%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $590,000 $295,000 $7,424 2.88%
    Raymondville, TX (FHA|USDA|VA) 5 $585,000 $117,000 $7,199 3.98%
    BOWLING GREEN, KY (FHA|USDA|VA) 2 $570,000 $285,000 $5,154 3.56%
    Pahrump, NV (FHA|USDA|VA) 4 $570,000 $142,500 $6,214 3.03%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $570,000 $142,500 $5,366 2.97%
    PINE BLUFF, AR (FHA|USDA|VA) 3 $565,000 $188,333 $9,247 3.33%
    NILES, MI (FHA|USDA|VA) 2 $560,000 $280,000 $10,033 3.13%
    Fredericksburg, TX (FHA|USDA|VA) 1 $545,000 $545,000 $12,853 3.25%
    CLEVELAND, TN (FHA|USDA|VA) 1 $545,000 $545,000 $4,276 3.25%
    Mount Pleasant, TX (FHA|USDA|VA) 3 $545,000 $181,667 $5,302 2.67%
    Jefferson, GA (FHA|USDA|VA) 1 $545,000 $545,000 $8,149 3.00%
    Sedalia, MO (FHA|USDA|VA) 3 $545,000 $181,667 $5,038 3.08%
    Plymouth, IN (FHA|USDA|VA) 5 $535,000 $107,000 $3,076 2.53%
    Manitowoc, WI (FHA|USDA|VA) 2 $520,000 $260,000 $10,485 3.50%
    OCEAN CITY, NJ (FHA|USDA|VA) 2 $520,000 $260,000 $4,576 2.94%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 7 $515,000 $73,571 $5,071 2.18%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $510,000 $255,000 $6,465 3.38%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 4 $510,000 $127,500 $2,735 3.31%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $505,000 $168,333 $4,534 3.67%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $495,000 $165,000 $6,422 3.38%
    VICTORIA, TX (FHA|USDA|VA) 2 $490,000 $245,000 $6,687 2.94%
    Harrison, AR (FHA|USDA|VA) 3 $475,000 $158,333 $4,453 3.46%
    FORT SMITH, AR-OK (FHA|USDA|VA) 2 $470,000 $235,000 $7,894 3.44%
    WICHITA FALLS, TX (FHA|USDA|VA) 3 $465,000 $155,000 $0 2.04%
    Evanston, WY (FHA|USDA|VA) 3 $465,000 $155,000 $5,174 2.00%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $460,000 $230,000 $6,993 3.06%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $455,000 $455,000 $5,830 3.38%
    COLUMBIA, SC (FHA|USDA|VA) 3 $455,000 $151,667 $4,337 3.33%
    APPLETON, WI (FHA|USDA|VA) 2 $450,000 $225,000 $6,029 3.00%
    Ukiah, CA (FHA|USDA|VA) 3 $435,000 $145,000 $0 1.63%
    Mountain Home, AR (FHA|USDA|VA) 3 $435,000 $145,000 $5,874 2.96%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $435,000 $435,000 $3,541 2.99%
    Bluffton, IN (FHA|USDA|VA) 3 $425,000 $141,667 $2,388 2.29%
    Huntington, IN (FHA|USDA|VA) 5 $425,000 $85,000 $3,099 2.68%
    Kinston, NC (FHA|USDA|VA) 2 $420,000 $210,000 $4,545 3.50%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $415,000 $415,000 $5,728 2.88%
    Juneau, AK (FHA|USDA|VA) 1 $415,000 $415,000 $0 3.00%
    Paragould, AR (FHA|USDA|VA) 2 $410,000 $205,000 $5,819 3.38%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $410,000 $205,000 $6,232 3.75%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $410,000 $205,000 $2,646 2.75%
    Big Rapids, MI (FHA|USDA|VA) 3 $395,000 $131,667 $3,133 3.13%
    MISSOULA, MT (FHA|USDA|VA) 1 $385,000 $385,000 $3,819 3.38%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $385,000 $385,000 $4,874 3.25%
    BLOOMINGTON, IN (FHA|USDA|VA) 3 $385,000 $128,333 $2,791 3.33%
    Statesboro, GA (FHA|USDA|VA) 2 $380,000 $190,000 $6,409 3.38%
    Boone, NC (FHA|USDA|VA) 1 $375,000 $375,000 $3,574 3.13%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $375,000 $375,000 $4,686 2.88%
    HINESVILLE, GA (FHA|USDA|VA) 3 $375,000 $125,000 $10,698 1.75%
    Ketchikan, AK (FHA|USDA|VA) 1 $375,000 $375,000 $9,533 3.25%
    STAUNTON, VA (FHA|USDA|VA) 2 $370,000 $185,000 $6,821 3.38%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $370,000 $185,000 $7,580 2.94%
    CARSON CITY, NV (FHA|USDA|VA) 2 $370,000 $185,000 $3,103 3.25%
    LINCOLN, NE (FHA|USDA|VA) 1 $365,000 $365,000 $2,463 3.50%
    Pearsall, TX (FHA|USDA|VA) 1 $365,000 $365,000 $13,184 3.25%
    Burlington, IA-IL (FHA|USDA|VA) 1 $365,000 $365,000 $2,441 3.00%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $360,000 $180,000 $4,717 3.13%
    Fernley, NV (FHA|USDA|VA) 2 $350,000 $175,000 $4,880 3.31%
    AKRON, OH (FHA|USDA|VA) 2 $350,000 $175,000 $2,755 3.13%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $345,000 $115,000 $3,017 3.17%
    TOLEDO, OH (FHA|USDA|VA) 1 $345,000 $345,000 $13,553 3.25%
    Van Wert, OH (FHA|USDA|VA) 2 $340,000 $170,000 $3,864 3.13%
    COLUMBUS, IN (FHA|USDA|VA) 2 $340,000 $170,000 $3,685 3.69%
    Alpena, MI (FHA|USDA|VA) 4 $340,000 $85,000 $2,959 2.47%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $335,000 $111,667 $5,043 3.42%
    Safford, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $8,124 2.88%
    Uvalde, TX (FHA|USDA|VA) 3 $325,000 $108,333 $0 2.83%
    Farmington, MO (FHA|USDA|VA) 2 $320,000 $160,000 $2,802 3.25%
    Sturgis, MI (FHA|USDA|VA) 4 $310,000 $77,500 $4,986 2.72%
    McComb, MS (FHA|USDA|VA) 1 $305,000 $305,000 $4,519 3.25%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $295,000 $295,000 $9,562 2.75%
    Natchez, MS-LA (FHA|USDA|VA) 1 $295,000 $295,000 $4,152 3.25%
    Gillette, WY (FHA|USDA|VA) 1 $295,000 $295,000 $6,370 3.75%
    Borger, TX (FHA|USDA|VA) 2 $290,000 $145,000 $6,146 3.06%
    El Campo, TX (FHA|USDA|VA) 3 $285,000 $95,000 $5,138 2.38%
    Pottsville, PA (FHA|USDA|VA) 1 $285,000 $285,000 $9,483 3.75%
    HARRISONBURG, VA (FHA|USDA|VA) 2 $270,000 $135,000 $2,094 2.69%
    Los Alamos, NM (FHA|USDA|VA) 1 $265,000 $265,000 $7,064 6.99%
    Riverton, WY (FHA|USDA|VA) 1 $265,000 $265,000 $2,973 3.38%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $260,000 $130,000 $2,508 3.63%
    Lake City, FL (FHA|USDA|VA) 1 $255,000 $255,000 $6,038 3.25%
    TERRE HAUTE, IN (FHA|USDA|VA) 3 $255,000 $85,000 $3,279 3.42%
    Forrest City, AR (FHA|USDA|VA) 1 $255,000 $255,000 $8,746 4.75%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $250,000 $125,000 $4,054 3.50%
    Grand Rapids, MN (FHA|USDA|VA) 1 $245,000 $245,000 $3,880 3.25%
    Escanaba, MI (FHA|USDA|VA) 1 $245,000 $245,000 $7,414 3.63%
    SPARTANBURG, SC (FHA|USDA|VA) 2 $240,000 $120,000 $3,566 3.31%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $235,000 $235,000 $5,289 3.13%
    ROCHESTER, MN (FHA|USDA|VA) 1 $235,000 $235,000 $8,167 3.38%
    Alice, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,878 2.88%
    Hope, AR (FHA|USDA|VA) 4 $230,000 $57,500 $0 3.00%
    BURLINGTON, NC (FHA|USDA|VA) 1 $225,000 $225,000 $7,593 3.75%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $225,000 $225,000 $6,397 3.25%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,526 2.75%
    Marinette, WI-MI (FHA|USDA|VA) 1 $225,000 $225,000 $2,590 3.25%
    Brookhaven, MS (FHA|USDA|VA) 2 $220,000 $110,000 $4,142 2.75%
    Othello, WA (FHA|USDA|VA) 2 $220,000 $110,000 $0 2.56%
    Meridian, MS (FHA|USDA|VA) 1 $215,000 $215,000 $5,455 3.25%
    Peru, IN (FHA|USDA|VA) 1 $215,000 $215,000 $2,807 3.25%
    Española, NM (FHA|USDA|VA) 1 $205,000 $205,000 $7,549 2.63%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $205,000 $205,000 $9,814 3.13%
    Keene, NH (FHA|USDA|VA) 1 $205,000 $205,000 $6,338 3.25%
    Ruidoso, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,122 3.38%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $205,000 $205,000 $6,311 3.75%
    Kerrville, TX (FHA|USDA|VA) 2 $200,000 $100,000 $0 1.94%
    Jasper, IN (FHA|USDA|VA) 1 $195,000 $195,000 $6,341 2.88%
    ENID, OK (FHA|USDA|VA) 1 $195,000 $195,000 $2,447 2.63%
    PEORIA, IL (FHA|USDA|VA) 3 $195,000 $65,000 $2,638 2.33%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $190,000 $95,000 $3,167 3.81%
    ALBANY, GA (FHA|USDA|VA) 2 $190,000 $95,000 $2,837 3.00%
    Ardmore, OK (FHA|USDA|VA) 1 $185,000 $185,000 $3,513 3.25%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $185,000 $185,000 $10,441 3.75%
    Albert Lea, MN (FHA|USDA|VA) 2 $180,000 $90,000 $0 1.63%
    Hutchinson, MN (FHA|USDA|VA) 1 $175,000 $175,000 $3,347 2.88%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $4,010 3.00%
    Shelbyville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,725 3.00%
    Muskogee, OK (FHA|USDA|VA) 1 $175,000 $175,000 $8,057 4.50%
    Vicksburg, MS (FHA|USDA|VA) 1 $175,000 $175,000 $4,444 3.00%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $10,099 3.13%
    Bedford, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,611 3.38%
    Susanville, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,906 3.38%
    Wahpeton, ND-MN (FHA|USDA|VA) 1 $175,000 $175,000 $5,210 3.38%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 3 $165,000 $55,000 $2,686 2.38%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,596 3.13%
    Ottawa, IL (FHA|USDA|VA) 2 $160,000 $80,000 $0 1.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,929 3.13%
    Rock Springs, WY (FHA|USDA|VA) 1 $155,000 $155,000 $7,004 3.25%
    Seymour, IN (FHA|USDA|VA) 1 $155,000 $155,000 $5,805 3.38%
    Sevierville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $5,417 3.50%
    Wilmington, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,810 3.25%
    Wilson, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,101 3.00%
    Baraboo, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,840 3.63%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $155,000 $155,000 $3,020 2.75%
    Bardstown, KY (FHA|USDA|VA) 1 $145,000 $145,000 $6,528 3.88%
    Platteville, WI (FHA|USDA|VA) 1 $145,000 $145,000 $3,892 3.50%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $145,000 $145,000 $4,969 4.50%
    Bemidji, MN (FHA|USDA|VA) 2 $140,000 $70,000 $0 1.63%
    DECATUR, IL (FHA|USDA|VA) 2 $140,000 $70,000 $0 1.56%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $135,000 $135,000 $4,434 3.88%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $135,000 $135,000 $3,377 4.88%
    Fort Payne, AL (FHA|USDA|VA) 1 $135,000 $135,000 $6,954 2.25%
    Oxford, MS (FHA|USDA|VA) 1 $135,000 $135,000 $4,341 3.38%
    Ottawa, KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,295 3.50%
    Clearlake, CA (FHA|USDA|VA) 1 $135,000 $135,000 $3,285 3.50%
    Silver City, NM (FHA|USDA|VA) 1 $135,000 $135,000 $3,750 3.25%
    Lamesa, TX (FHA|USDA|VA) 2 $130,000 $65,000 $0 1.69%
    Decatur, IN (FHA|USDA|VA) 1 $125,000 $125,000 $1,770 2.50%
    Martinsville, VA (FHA|USDA|VA) 1 $125,000 $125,000 $3,225 3.00%
    Kingsville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,816 2.88%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $125,000 $125,000 $4,649 3.75%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,385 3.00%
    Cedartown, GA (FHA|USDA|VA) 1 $125,000 $125,000 $5,228 3.38%
    Indiana, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,293 2.25%
    Greeneville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $3,657 3.00%
    Ludington, MI (FHA|USDA|VA) 1 $125,000 $125,000 $5,046 3.75%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $115,000 $115,000 $6,927 3.63%
    Lebanon, MO (FHA|USDA|VA) 1 $115,000 $115,000 $5,316 3.13%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $115,000 $115,000 $3,006 3.25%
    New Castle, IN (FHA|USDA|VA) 1 $115,000 $115,000 $2,881 2.88%
    Coldwater, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,993 3.13%
    Effingham, IL (FHA|USDA|VA) 1 $115,000 $115,000 $5,035 2.88%
    Mineral Wells, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.63%
    Deming, NM (FHA|USDA|VA) 2 $110,000 $55,000 $0 4.56%
    Cookeville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $2,575 2.88%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,452 3.63%
    Maysville, KY (FHA|USDA|VA) 1 $105,000 $105,000 $4,098 3.38%
    Clovis, NM (FHA|USDA|VA) 1 $105,000 $105,000 $2,575 3.25%
    ERIE, PA (FHA|USDA|VA) 1 $105,000 $105,000 $2,781 2.88%
    JACKSON, TN (FHA|USDA|VA) 1 $105,000 $105,000 $4,440 2.88%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $105,000 $105,000 $2,220 2.75%
    Greenwood, MS (FHA|USDA|VA) 1 $105,000 $105,000 $3,624 3.50%
    Seneca, SC (FHA|USDA|VA) 1 $105,000 $105,000 $3,019 3.63%
    Norfolk, NE (FHA|USDA|VA) 1 $105,000 $105,000 $2,156 2.75%
    Alexandria, MN (FHA|USDA|VA) 1 $105,000 $105,000 $2,705 3.00%
    Alamogordo, NM (FHA|USDA|VA) 1 $95,000 $95,000 $2,600 3.13%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $95,000 $95,000 $1,947 3.75%
    Moberly, MO (FHA|USDA|VA) 1 $95,000 $95,000 $2,045 3.50%
    Eagle Pass, TX (FHA|USDA|VA) 2 $90,000 $45,000 $0 1.94%
    North Vernon, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,634 3.00%
    Watertown, SD (FHA|USDA|VA) 1 $85,000 $85,000 $3,007 2.75%
    Scottsburg, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,964 2.88%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $85,000 $85,000 $3,122 3.50%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $85,000 $85,000 $5,214 3.25%
    Hillsdale, MI (FHA|USDA|VA) 1 $75,000 $75,000 $3,010 3.00%
    Salem, OH (FHA|USDA|VA) 1 $75,000 $75,000 $2,955 2.38%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $75,000 $75,000 $2,495 2.88%
    Liberal, KS (FHA|USDA|VA) 1 $75,000 $75,000 $3,225 2.63%
    LAWTON, OK (FHA|USDA|VA) 1 $75,000 $75,000 $3,358 3.75%
    Emporia, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,545 3.63%
    Moultrie, GA (FHA|USDA|VA) 2 $70,000 $35,000 $0 1.25%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $70,000 $35,000 $0 1.75%
    DANVILLE, IL (FHA|USDA|VA) 1 $65,000 $65,000 $3,520 4.63%
    Russellville, AR (FHA|USDA|VA) 1 $65,000 $65,000 $3,758 3.25%
    Coshocton, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.00%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $65,000 $65,000 $2,865 3.00%
    Parsons, KS (FHA|USDA|VA) 1 $65,000 $65,000 $2,535 2.88%
    Ponca City, OK (FHA|USDA|VA) 1 $55,000 $55,000 $3,169 3.25%
    Marshall, MO (FHA|USDA|VA) 1 $55,000 $55,000 $2,150 2.88%
    Logansport, IN (FHA|USDA|VA) 1 $45,000 $45,000 $2,007 2.88%

    Academy Mortgage Corporation's top markets include Seattle, Phoenix, Portland, Ogden, and Boise City among others.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 41,528 $12,120,040,000 $291,852 $5,107 2.92%
    FHA 7,609 $1,959,195,000 $257,484 $9,681 3.28%
    VA 3,322 $1,272,890,000 $383,170 $9,128 2.84%
    USDA 653 $140,775,000 $215,582 $6,600 3.12%
    FHA 120 $23,290,000 $194,083 $0 2.32%
    FHA 14 $3,980,000 $284,286 $0 3.37%

    For 2021, Academy Mortgage Corporation's most frequently originated type of loan was Conventional, with 41,528 originations. Their 2nd most popular type was FHA, with 7,609 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 32,548 $9,377,310,000 $288,107 $6,637 2.90%
    Refi 10,917 $3,224,765,000 $295,389 $4,527 2.95%
    Cash Out Refi 9,780 $2,917,570,000 $298,320 $5,452 3.20%
    Other 1 $525,000 $525,000 $10,253 5.25%

    For 2021, Academy Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 32,548 originations. The 2nd most popular reason was Refi, with 10,917 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 46,276 $14,336,190,000 $309,798 $6,053 3.10%
    15 Year 2,863 $633,545,000 $221,287 $4,135 2.59%
    20 Year 1,321 $332,885,000 $251,995 $4,051 2.91%
    Other 1,083 $144,105,000 $133,061 $4,164 1.44%
    3 Year 672 $6,960,000 $10,357 $0 0.01%
    5 Year 526 $3,580,000 $6,806 $0 0.00%
    10 Year 417 $31,655,000 $75,911 $3,505 2.84%
    30+ year 88 $31,250,000 $355,114 $9,854 5.44%

    For 2021, Academy Mortgage Corporation's most frequently cited loan duration was 30 Year, with 46,276 originations. The 2nd most popular length was 15 Year, with 2,863 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 20,998 $6,401,060,000 $304,841
    $2k-3k 7,698 $2,002,440,000 $260,125
    $<1k 6,829 $748,335,000 $109,582
    $5k+ 6,301 $2,868,675,000 $455,273
    $3k-4k 6,187 $1,806,095,000 $291,918
    $4k-5k 4,350 $1,467,260,000 $337,301

    Academy Mortgage Corporation's average total fees were $6,053, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 20,998 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 26,679 $8,272,565,000 $310,078
    2.5-3% 17,798 $5,915,540,000 $332,371
    <2.5% 6,884 $981,670,000 $142,602
    4-5% 1,539 $324,915,000 $211,121
    5-6% 324 $18,630,000 $57,500
    6-7% 19 $6,325,000 $332,895
    7-8% 3 $525,000 $175,000

    During 2021, Academy Mortgage Corporation's average interest rate for loans was 3.10%, while their most frequently originated rate bucket for loans was 3-4%, with 26,679 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 25,365 $7,391,835,000 $291,419 $5,671 3.15%
    $100k-200k 10,208 $1,600,340,000 $156,773 $4,316 3.18%
    $400k-600k 9,337 $4,464,265,000 $478,126 $6,922 3.11%
    $100,000 or less 5,927 $165,055,000 $27,848 $3,468 1.51%
    $600k-1MM 2,124 $1,537,690,000 $723,960 $9,464 3.08%
    $1MM+ 285 $360,985,000 $1,266,614 $13,610 3.07%

    2021 saw Academy Mortgage Corporation place emphasis on $200k-400k loans with 25,365 originations, totaling $7,391,835,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 14,341 $3,187,435,000 $222,260 $5,559 2.88%
    $75k-100k 10,675 $3,054,995,000 $286,182 $5,952 2.98%
    $100k-150k 10,647 $3,785,635,000 $355,559 $6,126 3.08%
    $50k or less 8,480 $1,261,480,000 $148,759 $4,757 2.81%
    $150k-250k 6,143 $2,699,625,000 $439,464 $6,401 3.12%
    $250k+ 2,386 $1,332,230,000 $558,353 $6,972 3.13%

    Academy Mortgage Corporation lent most frequently to those with incomes in the $50k-75k range, with 14,341 originations. The second most popular income band? $75k-100k, with 10,675 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 9,303 $2,820,765,000 $303,210 $5,651 3.00%
    20-30% 9,160 $2,804,470,000 $306,165 $5,165 3.01%
    44% 3,082 $821,360,000 $266,502 $6,062 2.90%
    43% 2,591 $719,265,000 $277,601 $5,987 2.96%
    <20% 2,589 $767,625,000 $296,495 $4,665 2.96%
    42% 2,501 $730,885,000 $292,237 $6,271 2.95%
    50-60% 2,491 $659,675,000 $264,823 $9,962 2.90%
    41% 2,327 $668,535,000 $287,295 $6,005 2.96%
    40% 2,185 $620,435,000 $283,952 $6,058 2.97%
    39% 2,087 $599,675,000 $287,338 $5,938 2.96%
    49% 2,018 $564,990,000 $279,975 $6,309 2.90%
    38% 1,965 $570,515,000 $290,338 $5,754 2.97%
    37% 1,942 $570,310,000 $293,671 $5,838 2.95%
    36% 1,836 $535,470,000 $291,650 $5,781 3.01%
    45% 1,744 $490,170,000 $281,061 $6,057 2.99%
    48% 1,584 $439,190,000 $277,266 $6,197 2.95%
    46% 1,550 $452,090,000 $291,671 $6,337 2.97%
    47% 1,544 $438,950,000 $284,294 $6,213 2.98%
    >60% 64 $28,370,000 $443,281 $10,701 2.95%

    Academy Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 9,303 originations. The next most common DTI ratio? 20-30%, with 9,160 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 44,853 $12,933,295,000 $288,348 $5,735 2.98%
    Not provided 3,378 $1,081,000,000 $320,012 $6,013 2.96%
    Asian 1,725 $671,085,000 $389,035 $6,741 3.01%
    Black 2,530 $615,820,000 $243,407 $7,193 2.71%
    American Indian 521 $144,535,000 $277,418 $6,679 2.86%
    Native Hawaiian or Islander 229 $71,325,000 $311,463 $7,502 3.02%
    Filipino 5 $1,025,000 $205,000 $8,567 2.40%
    Chinese 2 $940,000 $470,000 $3,613 3.06%
    Other Asian 2 $700,000 $350,000 $5,686 3.69%
    Korean 1 $445,000 $445,000 $4,189 2.75%

    Approval Rates

    Total approvals of all applications
    96.99%

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

    Pick Rate

    Approvals leading to origination
    76.50%

    Academy Mortgage Corporation has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 53,246 $15,520,170,000 $291,480

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    53,246 $15,520,170,000 $291,480

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2,011 $400,015,000 $198,913 $3,913 2.90%
    40-60% 6,497 $1,807,355,000 $278,183 $4,418 2.98%
    60-80% 16,226 $5,464,890,000 $336,798 $5,349 3.18%
    80-100% 23,199 $7,475,185,000 $322,220 $6,614 3.21%
    Over 100% 747 $304,565,000 $407,718 $15,908 2.90%
    Under 20% 4,566 $68,160,000 $14,928 $3,505 0.98%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Academy Mortgage Corporation Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 12.0%
    Academy Mortgage Corporation Conventional home mortgage Closing on a mortgage 5 20.0%
    Academy Mortgage Corporation Conventional home mortgage Trouble during payment process 7 28.0%
    Academy Mortgage Corporation FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 4.0%
    Academy Mortgage Corporation FHA mortgage Closing on a mortgage 2 8.0%
    Academy Mortgage Corporation FHA mortgage Trouble during payment process 1 4.0%
    Academy Mortgage Corporation Other type of mortgage Trouble during payment process 3 12.0%
    Academy Mortgage Corporation VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 8.0%
    Academy Mortgage Corporation VA mortgage Closing on a mortgage 1 4.0%