Loanpal Mortgage Rates, Fees & Info
Sacramento, CALEI: 549300YN94MOAVYW0F52
Tax ID: 47-0912342
2.2 stars
-
out of 5 stars, based on 92 reviews
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Loanpal is a small mortgage company specializing in Cash Out Refi loans. Loanpal has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Phoenix, Dallas, Las Vegas, Riverside, and Denver among others. We have data for 470 markets. (Some data included below & more in-depth data is available with an active subscription.)Loanpal has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Loanpal 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 | 6.89% | 5/28/23 |
| 30 Year Conventional Refi | 6.72% | 5/28/23 |
| 30 Year Cash-out Refi | 6.90% | 5/28/23 |
| 30 Year FHA Purchase | 7.09% | 5/28/23 |
| 30 Year FHA Refi | 6.83% | 5/28/23 |
| 30 Year VA Purchase | 6.07% | 5/28/23 |
| 30 Year VA Refi | 6.02% | 5/28/23 |
| 15 Year Conventional Purchase | 6.03% | 5/28/23 |
| 15 Year Conventional Refi | 6.29% | 5/28/23 |
| 15 Year Cash-out Refi | 6.29% | 5/28/23 |
| 15 Year FHA Refi | 5.68% | 5/28/23 |
| 15 Year VA Refi | 6.22% | 5/28/23 |
| 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. | ||
Loanpal Mortgage Calculator
Your Estimates
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This is not an official calculator from Loanpal. 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
8,423Origination Dollar Volume (All Markets)
$1,920,245,000Awards
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LOANPAL - 2022
LOANPAL is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Loanpal's average 30 year fixed mortgage rate was
4.24%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.52%.
Relative Fees (Closing Costs)
Loanpal's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,931.
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 |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 530 | $144,540,000 | $272,717 | $11,270 | 4.04% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 508 | $105,720,000 | $208,110 | $9,243 | 4.51% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 237 | $67,275,000 | $283,861 | $11,329 | 3.89% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 195 | $64,835,000 | $332,487 | $11,645 | 4.06% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 160 | $55,060,000 | $344,125 | $12,780 | 3.97% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 257 | $48,375,000 | $188,230 | $8,707 | 4.47% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 131 | $43,975,000 | $335,687 | $9,062 | 3.93% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 122 | $43,880,000 | $359,672 | $12,289 | 4.22% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 181 | $42,735,000 | $236,105 | $10,381 | 4.06% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 167 | $41,315,000 | $247,395 | $11,501 | 3.93% |
| Outside of Metro Areas | 223 | $37,445,000 | $167,915 | $7,851 | 4.14% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 154 | $36,510,000 | $237,078 | $10,813 | 4.02% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 193 | $34,255,000 | $177,487 | $8,209 | 4.22% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 98 | $28,840,000 | $294,286 | $11,369 | 4.04% |
| TUCSON, AZ (FHA|USDA|VA) | 138 | $28,660,000 | $207,681 | $9,574 | 4.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 148 | $27,830,000 | $188,041 | $9,052 | 3.85% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 120 | $25,800,000 | $215,000 | $9,326 | 4.24% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 82 | $24,930,000 | $304,024 | $11,499 | 3.93% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 74 | $23,690,000 | $320,135 | $11,736 | 3.86% |
| BOISE CITY, ID (FHA|USDA|VA) | 82 | $23,690,000 | $288,902 | $11,485 | 4.02% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 94 | $23,280,000 | $247,660 | $10,404 | 4.20% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 63 | $22,855,000 | $362,778 | $13,706 | 3.89% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 77 | $20,095,000 | $260,974 | $10,987 | 3.95% |
| FRESNO, CA (FHA|USDA|VA) | 86 | $19,420,000 | $225,814 | $9,224 | 4.35% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 43 | $17,455,000 | $405,930 | $11,663 | 3.48% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 55 | $16,915,000 | $307,545 | $12,744 | 3.90% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 108 | $16,220,000 | $150,185 | $7,648 | 4.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 69 | $15,885,000 | $230,217 | $9,836 | 4.12% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 41 | $15,795,000 | $385,244 | $11,898 | 3.77% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 63 | $15,675,000 | $248,810 | $11,025 | 4.31% |
| STOCKTON, CA (FHA|USDA|VA) | 45 | $15,095,000 | $335,444 | $11,031 | 3.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 68 | $15,050,000 | $221,324 | $10,829 | 4.20% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 73 | $14,325,000 | $196,233 | $9,357 | 4.41% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 65 | $13,735,000 | $211,308 | $8,296 | 3.76% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 73 | $13,235,000 | $181,301 | $9,333 | 4.04% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 65 | $13,205,000 | $203,154 | $9,774 | 3.97% |
| PROVO-OREM, UT (FHA|USDA|VA) | 36 | $11,870,000 | $329,722 | $12,040 | 4.18% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 46 | $11,860,000 | $257,826 | $11,176 | 3.95% |
| RICHMOND, VA (FHA|USDA|VA) | 58 | $11,760,000 | $202,759 | $8,896 | 4.10% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 72 | $11,130,000 | $154,583 | $7,525 | 4.32% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 41 | $11,045,000 | $269,390 | $12,380 | 3.85% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 36 | $10,950,000 | $304,167 | $12,651 | 4.16% |
| YUMA, AZ (FHA|USDA|VA) | 48 | $10,910,000 | $227,292 | $10,121 | 3.77% |
| EL PASO, TX (FHA|USDA|VA) | 84 | $10,590,000 | $126,071 | $6,456 | 4.29% |
| PUEBLO, CO (FHA|USDA|VA) | 57 | $10,465,000 | $183,596 | $8,889 | 4.47% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 29 | $10,455,000 | $360,517 | $12,306 | 4.09% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 46 | $10,110,000 | $219,783 | $10,359 | 3.66% |
| COLUMBUS, OH (FHA|USDA|VA) | 59 | $9,945,000 | $168,559 | $7,712 | 4.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 42 | $9,900,000 | $235,714 | $11,198 | 4.47% |
| VISALIA, CA (FHA|USDA|VA) | 44 | $9,380,000 | $213,182 | $9,843 | 4.19% |
| GREELEY, CO (FHA|USDA|VA) | 31 | $9,065,000 | $292,419 | $11,203 | 3.99% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 48 | $8,990,000 | $187,292 | $9,341 | 4.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 39 | $8,675,000 | $222,436 | $9,886 | 4.26% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 41 | $8,585,000 | $209,390 | $10,700 | 3.95% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 43 | $8,195,000 | $190,581 | $8,823 | 4.19% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 38 | $7,850,000 | $206,579 | $9,766 | 3.97% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 47 | $7,835,000 | $166,702 | $7,490 | 4.32% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 29 | $7,445,000 | $256,724 | $10,605 | 3.79% |
| RENO, NV (FHA|USDA|VA) | 23 | $7,355,000 | $319,783 | $13,210 | 3.99% |
| MERCED, CA (FHA|USDA|VA) | 27 | $7,025,000 | $260,185 | $10,052 | 3.95% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 43 | $6,475,000 | $150,581 | $8,449 | 4.24% |
| COLUMBIA, SC (FHA|USDA|VA) | 39 | $6,445,000 | $165,256 | $8,537 | 4.24% |
| VALLEJO, CA (FHA|USDA|VA) | 17 | $6,405,000 | $376,765 | $12,383 | 3.77% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 29 | $6,365,000 | $219,483 | $11,044 | 4.03% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 31 | $6,175,000 | $199,194 | $9,949 | 3.92% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 28 | $6,160,000 | $220,000 | $8,435 | 3.61% |
| SPARTANBURG, SC (FHA|USDA|VA) | 32 | $6,100,000 | $190,625 | $9,672 | 4.26% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 33 | $6,075,000 | $184,091 | $9,074 | 4.23% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 21 | $5,965,000 | $284,048 | $11,751 | 4.00% |
| LAS CRUCES, NM (FHA|USDA|VA) | 34 | $5,790,000 | $170,294 | $8,672 | 3.95% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 20 | $5,710,000 | $285,500 | $10,748 | 3.89% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 36 | $5,680,000 | $157,778 | $7,124 | 4.34% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 48 | $5,680,000 | $118,333 | $6,315 | 4.11% |
| YUBA CITY, CA (FHA|USDA|VA) | 20 | $5,650,000 | $282,500 | $9,748 | 4.08% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 16 | $5,520,000 | $345,000 | $10,939 | 3.82% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 26 | $5,520,000 | $212,308 | $8,818 | 4.34% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 25 | $5,445,000 | $217,800 | $9,687 | 3.91% |
| OCALA, FL (FHA|USDA|VA) | 30 | $5,440,000 | $181,333 | $8,914 | 4.29% |
| SAVANNAH, GA (FHA|USDA|VA) | 29 | $5,345,000 | $184,310 | $8,214 | 4.15% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 33 | $5,265,000 | $159,545 | $8,106 | 4.46% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 18 | $4,250,000 | $236,111 | $9,577 | 3.85% |
| ST. GEORGE, UT (FHA|USDA|VA) | 15 | $4,215,000 | $281,000 | $11,176 | 3.81% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 10 | $4,210,000 | $421,000 | $12,322 | 3.87% |
| LUBBOCK, TX (FHA|USDA|VA) | 28 | $4,190,000 | $149,643 | $7,182 | 4.26% |
| WILMINGTON, NC (FHA|USDA|VA) | 21 | $4,125,000 | $196,429 | $8,384 | 3.84% |
| MEDFORD, OR (FHA|USDA|VA) | 16 | $4,090,000 | $255,625 | $10,343 | 3.84% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 25 | $4,085,000 | $163,400 | $9,164 | 3.97% |
| GRANTS PASS, OR (FHA|USDA|VA) | 14 | $4,070,000 | $290,714 | $12,123 | 4.01% |
| TULSA, OK (FHA|USDA|VA) | 29 | $4,015,000 | $138,448 | $8,170 | 4.42% |
| MODESTO, CA (FHA|USDA|VA) | 14 | $3,930,000 | $280,714 | $9,957 | 4.26% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 25 | $3,915,000 | $156,600 | $7,493 | 4.23% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 12 | $3,910,000 | $325,833 | $11,827 | 4.00% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 16 | $3,820,000 | $238,750 | $8,963 | 4.24% |
| ABILENE, TX (FHA|USDA|VA) | 27 | $3,795,000 | $140,556 | $7,224 | 4.46% |
| SALEM, OR (FHA|USDA|VA) | 15 | $3,775,000 | $251,667 | $9,650 | 4.41% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 16 | $3,730,000 | $233,125 | $8,069 | 4.02% |
| PITTSBURGH, PA (FHA|USDA|VA) | 25 | $3,605,000 | $144,200 | $7,783 | 3.83% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 29 | $3,605,000 | $124,310 | $6,865 | 4.37% |
| SANTA FE, NM (FHA|USDA|VA) | 15 | $3,595,000 | $239,667 | $9,511 | 3.64% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 15 | $3,525,000 | $235,000 | $10,787 | 4.21% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 13 | $3,515,000 | $270,385 | $11,671 | 3.80% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 17 | $3,335,000 | $196,176 | $10,209 | 4.57% |
| PANAMA CITY, FL (FHA|USDA|VA) | 17 | $3,335,000 | $196,176 | $8,688 | 3.87% |
| Cañon City, CO (FHA|USDA|VA) | 17 | $3,275,000 | $192,647 | $10,068 | 4.46% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 18 | $3,230,000 | $179,444 | $7,681 | 3.89% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 8 | $3,010,000 | $376,250 | $12,981 | 3.80% |
| FORT COLLINS, CO (FHA|USDA|VA) | 9 | $2,995,000 | $332,778 | $10,818 | 3.94% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 20 | $2,980,000 | $149,000 | $8,092 | 4.19% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 26 | $2,940,000 | $113,077 | $6,470 | 4.79% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 15 | $2,905,000 | $193,667 | $10,529 | 4.40% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 9 | $2,865,000 | $318,333 | $11,084 | 3.62% |
| CHICO, CA (FHA|USDA|VA) | 11 | $2,855,000 | $259,545 | $9,968 | 3.87% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 22 | $2,850,000 | $129,545 | $7,433 | 4.43% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 14 | $2,850,000 | $203,571 | $10,436 | 4.60% |
| LAREDO, TX (FHA|USDA|VA) | 18 | $2,820,000 | $156,667 | $7,918 | 4.46% |
| WACO, TX (FHA|USDA|VA) | 20 | $2,810,000 | $140,500 | $6,484 | 4.44% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $2,780,000 | $347,500 | $12,629 | 2.69% |
| SAN ANGELO, TX (FHA|USDA|VA) | 23 | $2,765,000 | $120,217 | $5,921 | 3.96% |
| MIDLAND, TX (FHA|USDA|VA) | 18 | $2,750,000 | $152,778 | $7,422 | 4.15% |
| ODESSA, TX (FHA|USDA|VA) | 16 | $2,740,000 | $171,250 | $7,458 | 4.28% |
| TWIN FALLS, ID (FHA|USDA|VA) | 12 | $2,710,000 | $225,833 | $10,565 | 4.17% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 21 | $2,675,000 | $127,381 | $6,582 | 4.25% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 9 | $2,655,000 | $295,000 | $8,482 | 3.79% |
| MADERA, CA (FHA|USDA|VA) | 10 | $2,650,000 | $265,000 | $10,945 | 4.04% |
| DOVER, DE (FHA|USDA|VA) | 9 | $2,585,000 | $287,222 | $18,860 | 3.93% |
| Klamath Falls, OR (FHA|USDA|VA) | 11 | $2,575,000 | $234,091 | $10,686 | 3.93% |
| ASHEVILLE, NC (FHA|USDA|VA) | 15 | $2,575,000 | $171,667 | $6,384 | 3.70% |
| REDDING, CA (FHA|USDA|VA) | 8 | $2,550,000 | $318,750 | $12,189 | 4.16% |
| BURLINGTON, NC (FHA|USDA|VA) | 12 | $2,470,000 | $205,833 | $9,707 | 4.46% |
| TYLER, TX (FHA|USDA|VA) | 14 | $2,440,000 | $174,286 | $7,760 | 4.43% |
| BEND, OR (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $12,625 | 3.77% |
| STAUNTON, VA (FHA|USDA|VA) | 10 | $2,370,000 | $237,000 | $10,142 | 4.10% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $2,335,000 | $467,000 | $15,063 | 4.00% |
| BOULDER, CO (FHA|USDA|VA) | 5 | $2,235,000 | $447,000 | $15,927 | 3.95% |
| Pahrump, NV (FHA|USDA|VA) | 10 | $2,230,000 | $223,000 | $8,407 | 4.42% |
| Fernley, NV (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $13,227 | 4.56% |
| Payson, AZ (FHA|USDA|VA) | 13 | $2,185,000 | $168,077 | $9,132 | 4.02% |
| LAWTON, OK (FHA|USDA|VA) | 12 | $2,020,000 | $168,333 | $8,616 | 4.57% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 8 | $2,010,000 | $251,250 | $8,990 | 3.81% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $12,075 | 3.23% |
| Ukiah, CA (FHA|USDA|VA) | 3 | $1,995,000 | $665,000 | $8,771 | 2.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $11,794 | 4.84% |
| LANCASTER, PA (FHA|USDA|VA) | 11 | $1,945,000 | $176,818 | $8,715 | 3.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 11 | $1,945,000 | $176,818 | $8,133 | 4.68% |
| Safford, AZ (FHA|USDA|VA) | 10 | $1,930,000 | $193,000 | $7,187 | 3.73% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $1,870,000 | $311,667 | $11,606 | 4.56% |
| Alamogordo, NM (FHA|USDA|VA) | 13 | $1,845,000 | $141,923 | $8,615 | 4.77% |
| LONGVIEW, TX (FHA|USDA|VA) | 13 | $1,805,000 | $138,846 | $6,626 | 4.68% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 13 | $1,785,000 | $137,308 | $6,389 | 4.54% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $1,760,000 | $440,000 | $10,270 | 3.31% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 8 | $1,750,000 | $218,750 | $10,722 | 4.64% |
| Lufkin, TX (FHA|USDA|VA) | 10 | $1,580,000 | $158,000 | $8,095 | 4.97% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 11 | $1,505,000 | $136,818 | $6,679 | 4.03% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 10 | $1,500,000 | $150,000 | $7,914 | 4.77% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 7 | $1,485,000 | $212,143 | $10,353 | 3.68% |
| Hobbs, NM (FHA|USDA|VA) | 9 | $1,455,000 | $161,667 | $7,639 | 4.28% |
| POCATELLO, ID (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $6,663 | 4.14% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 10 | $1,400,000 | $140,000 | $7,002 | 4.56% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $10,854 | 4.41% |
| Cedar City, UT (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $10,848 | 4.29% |
| MOBILE, AL (FHA|USDA|VA) | 12 | $1,370,000 | $114,167 | $5,672 | 4.38% |
| WICHITA, KS (FHA|USDA|VA) | 8 | $1,320,000 | $165,000 | $6,750 | 4.33% |
| LYNCHBURG, VA (FHA|USDA|VA) | 7 | $1,305,000 | $186,429 | $9,142 | 4.09% |
| NAPA, CA (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $10,385 | 3.72% |
| AKRON, OH (FHA|USDA|VA) | 9 | $1,295,000 | $143,889 | $7,108 | 5.02% |
| Blackfoot, ID (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $13,194 | 3.77% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $7,208 | 3.44% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $10,786 | 4.13% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $10,056 | 3.19% |
| FORT WAYNE, IN (FHA|USDA|VA) | 8 | $1,220,000 | $152,500 | $7,345 | 4.28% |
| Red Bluff, CA (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $8,676 | 3.42% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $9,585 | 4.18% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 10 | $1,200,000 | $120,000 | $6,616 | 4.73% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $7,345 | 4.67% |
| Roswell, NM (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $7,030 | 3.88% |
| Searcy, AR (FHA|USDA|VA) | 8 | $1,120,000 | $140,000 | $7,059 | 4.14% |
| Show Low, AZ (FHA|USDA|VA) | 7 | $1,105,000 | $157,857 | $6,299 | 3.84% |
| Branson, MO (FHA|USDA|VA) | 7 | $1,095,000 | $156,429 | $8,798 | 4.55% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $8,271 | 4.25% |
| JOPLIN, MO (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $6,982 | 4.35% |
| HINESVILLE, GA (FHA|USDA|VA) | 8 | $1,080,000 | $135,000 | $6,728 | 4.40% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $15,052 | 3.40% |
| Vernal, UT (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $15,150 | 4.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 8 | $1,060,000 | $132,500 | $6,595 | 3.95% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $8,502 | 4.21% |
| Silver City, NM (FHA|USDA|VA) | 6 | $1,040,000 | $173,333 | $8,718 | 4.12% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 6 | $1,040,000 | $173,333 | $6,620 | 4.12% |
| LOGAN, UT-ID (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $5,880 | 3.75% |
| Danville, VA (FHA|USDA|VA) | 8 | $1,030,000 | $128,750 | $6,795 | 4.78% |
| COLUMBUS, IN (FHA|USDA|VA) | 7 | $1,025,000 | $146,429 | $7,294 | 5.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 10 | $1,020,000 | $102,000 | $6,558 | 5.16% |
| VALDOSTA, GA (FHA|USDA|VA) | 7 | $1,005,000 | $143,571 | $8,242 | 4.20% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $1,005,000 | $143,571 | $7,052 | 4.41% |
| Sweetwater, TX (FHA|USDA|VA) | 8 | $1,000,000 | $125,000 | $6,928 | 5.11% |
| Shelby, NC (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $9,277 | 3.73% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $8,280 | 4.10% |
| Clovis, NM (FHA|USDA|VA) | 8 | $970,000 | $121,250 | $5,358 | 3.40% |
| Nogales, AZ (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $8,722 | 4.33% |
| GAINESVILLE, GA (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $8,784 | 5.38% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $12,626 | 4.69% |
| Elko, NV (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $11,618 | 3.47% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $6,180 | 3.68% |
| EL CENTRO, CA (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $6,261 | 4.10% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $7,454 | 3.82% |
| READING, PA (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $14,553 | 4.00% |
| Big Spring, TX (FHA|USDA|VA) | 7 | $865,000 | $123,571 | $6,728 | 4.68% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $6,368 | 3.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $7,696 | 4.09% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $15,991 | 4.71% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $12,336 | 4.37% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $8,057 | 4.12% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $7,996 | 3.38% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $6,215 | 4.55% |
| Pottsville, PA (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $6,667 | 4.02% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $6,902 | 4.34% |
| Hilo, HI (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $21,459 | 3.81% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $6,113 | 4.59% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $5,294 | 4.12% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $8,214 | 3.94% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $10,404 | 5.78% |
| Greensburg, IN (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $11,541 | 4.91% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $7,066 | 4.72% |
| MUNCIE, IN (FHA|USDA|VA) | 8 | $710,000 | $88,750 | $5,250 | 5.00% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $8,630 | 4.71% |
| LEBANON, PA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $10,037 | 3.32% |
| Crawfordsville, IN (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $11,356 | 4.62% |
| Sterling, CO (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $9,208 | 2.81% |
| Gallup, NM (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $10,282 | 4.34% |
| Russellville, AR (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $7,882 | 4.06% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $9,458 | 4.67% |
| FLORENCE, SC (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $7,178 | 4.52% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $10,660 | 3.12% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $9,113 | 4.08% |
| ROANOKE, VA (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $7,150 | 4.70% |
| AMARILLO, TX (FHA|USDA|VA) | 5 | $645,000 | $129,000 | $7,447 | 4.22% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $6,694 | 4.06% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $14,884 | 3.50% |
| FLINT, MI (FHA|USDA|VA) | 6 | $630,000 | $105,000 | $5,178 | 4.27% |
| Las Vegas, NM (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $12,577 | 3.88% |
| Deming, NM (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $7,872 | 3.88% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,980 | 4.25% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $6,981 | 3.90% |
| Price, UT (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $7,321 | 3.66% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $21,088 | 5.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $10,746 | 4.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $8,646 | 3.79% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $6,591 | 2.81% |
| Brownwood, TX (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $7,142 | 5.59% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $11,843 | 3.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $9,315 | 4.29% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $6,126 | 4.50% |
| Salem, OH (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $13,984 | 5.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $6,576 | 5.21% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $10,629 | 5.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $7,507 | 4.71% |
| Del Rio, TX (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $6,448 | 4.56% |
| Lake City, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $15,025 | 4.69% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $10,744 | 5.31% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $7,662 | 3.54% |
| Edwards, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $23,312 | 2.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $10,178 | 3.81% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $10,428 | 4.69% |
| Lock Haven, PA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $7,924 | 4.71% |
| Burley, ID (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $18,656 | 3.75% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $31,810 | 3.63% |
| Mineral Wells, TX (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $5,856 | 4.78% |
| Mount Pleasant, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $11,386 | 5.18% |
| Forest City, NC (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $5,398 | 4.25% |
| Nacogdoches, TX (FHA|USDA|VA) | 5 | $475,000 | $95,000 | $5,635 | 4.45% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $8,328 | 3.96% |
| Rockport, TX (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $8,973 | 4.66% |
| Susanville, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,845 | 3.43% |
| Lebanon, MO (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $10,163 | 4.38% |
| Alice, TX (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $5,451 | 3.32% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $7,165 | 4.29% |
| FARMINGTON, NM (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $6,001 | 5.06% |
| Gainesville, TX (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $7,647 | 4.71% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,705 | 4.31% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $11,928 | 5.00% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $9,198 | 3.25% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,190 | 3.63% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $12,185 | 3.88% |
| MADISON, WI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $12,358 | 2.88% |
| Sonora, CA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,861 | 4.32% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $10,000 | 5.56% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $9,143 | 4.56% |
| NILES, MI (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $5,260 | 3.78% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $10,943 | 4.12% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $17,844 | 6.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $6,541 | 2.71% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $16,903 | 3.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $20,871 | 5.50% |
| Henderson, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $9,128 | 4.56% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $7,622 | 4.63% |
| Ponca City, OK (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $9,693 | 2.88% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $9,237 | 4.50% |
| TOPEKA, KS (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $7,286 | 4.54% |
| Greenwood, SC (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $6,578 | 3.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,252 | 4.06% |
| VICTORIA, TX (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $5,271 | 3.81% |
| Blytheville, AR (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $14,438 | 4.50% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $10,358 | 3.63% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,852 | 5.25% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,252 | 3.44% |
| West Plains, MO (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $5,624 | 4.75% |
| Eagle Pass, TX (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $6,901 | 3.46% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $20,264 | 2.50% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $10,389 | 4.56% |
| ENID, OK (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,888 | 4.50% |
| Bellefontaine, OH (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,548 | 4.25% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $5,169 | 5.87% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,424 | 5.06% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,895 | 3.75% |
| Bartlesville, OK (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $13,002 | 4.49% |
| New Castle, IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,434 | 5.99% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,423 | 5.49% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,200 | 5.99% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,642 | 2.56% |
| Coldwater, MI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,461 | 5.06% |
| Wauchula, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $8,474 | 4.50% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,064 | 3.50% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $5,187 | 4.50% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,714 | 2.00% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $23,004 | 5.63% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $9,190 | 5.88% |
| Palestine, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,236 | 4.69% |
| Montrose, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $19,561 | 4.25% |
| Outside of Metro Areas | 2 | $270,000 | $135,000 | $6,885 | 4.38% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,490 | 3.81% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $7,099 | 4.31% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,750 | 5.13% |
| Miami, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,157 | 2.63% |
| Durant, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,478 | 5.99% |
| Norwalk, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,398 | 3.88% |
| Sedalia, MO (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $8,019 | 4.49% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,789 | 4.06% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $7,332 | 4.31% |
| Indiana, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $14,338 | 4.99% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,490 | 3.50% |
| Lewistown, PA (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $4,422 | 3.46% |
| Portsmouth, OH (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $7,000 | 4.87% |
| Seymour, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $15,938 | 4.99% |
| RACINE, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,393 | 4.88% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,907 | 2.75% |
| Crossville, TN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,560 | 5.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,973 | 4.69% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,108 | 5.56% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,621 | 4.31% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,728 | 4.56% |
| Palatka, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,578 | 4.99% |
| Winfield, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,566 | 5.00% |
| Othello, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,723 | 3.88% |
| ROME, GA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $6,062 | 4.69% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,196 | 4.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,803 | 2.75% |
| Farmington, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,638 | 3.99% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $6,808 | 5.44% |
| Stephenville, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $5,821 | 5.69% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $5,546 | 6.00% |
| Andrews, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $5,706 | 3.44% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,161 | 6.50% |
| Brevard, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,450 | 3.38% |
| Summerville, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $18,253 | 4.38% |
| Jesup, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,732 | 3.75% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,471 | 5.50% |
| LIMA, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,659 | 2.25% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $16,934 | 4.63% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,874 | 4.88% |
| Newport, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,698 | 3.75% |
| Duncan, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,902 | 4.63% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $14,109 | 5.00% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,730 | 4.38% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,537 | 4.50% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,427 | 3.88% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,026 | 6.50% |
| Portales, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $14,178 | 2.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,508 | 5.44% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $7,853 | 3.31% |
| ERIE, PA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,470 | 2.69% |
| Platteville, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,441 | 5.50% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,486 | 4.99% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,153 | 2.50% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,231 | 3.50% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,295 | 3.25% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $14,407 | 3.75% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,144 | 2.25% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,493 | 2.75% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,443 | 5.13% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,607 | 3.63% |
| Frankfort, IN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,743 | 5.06% |
| McAlester, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,641 | 3.75% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $4,074 | 3.75% |
| Paris, TN (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,011 | 4.56% |
| Shawano, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,868 | 3.25% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,268 | 3.63% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,770 | 3.99% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,931 | 3.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,620 | 3.88% |
| Rolla, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,042 | 2.25% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,920 | 6.13% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,939 | 5.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,128 | 5.88% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,105 | 3.38% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,353 | 3.50% |
| Bedford, IN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $4,518 | 3.88% |
| Durango, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,596 | 3.38% |
| Bonham, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,721 | 3.63% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,106 | 5.13% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,654 | 3.88% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,926 | 6.38% |
| Española, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,003 | 3.25% |
| Fremont, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,522 | 4.50% |
| Harrison, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,224 | 3.13% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,683 | 3.25% |
| Jasper, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,712 | 4.00% |
| Angola, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,117 | 5.38% |
| Moberly, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,882 | 5.13% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,372 | 4.50% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,136 | 3.99% |
| Madison, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,211 | 4.88% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,793 | 5.50% |
| Prineville, OR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,271 | 3.25% |
| Sayre, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,482 | 4.99% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,358 | 3.63% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,006 | 3.13% |
| New Castle, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,834 | 3.38% |
| Alma, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,524 | 2.88% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,469 | 3.38% |
| Waycross, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,596 | 6.99% |
| Athens, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,025 | 6.99% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,902 | 7.25% |
| Emporia, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,405 | 4.13% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,391 | 3.88% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,918 | 4.25% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,751 | 7.38% |
| Ada, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $8,557 | 2.50% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,021 | 5.25% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,102 | 5.38% |
| El Campo, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,217 | 5.25% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,930 | 2.99% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,676 | 4.25% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,135 | 3.75% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,159 | 4.99% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,235 | 3.13% |
| Hereford, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,827 | 6.38% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,330 | 3.50% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,111 | 3.25% |
| Batesville, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,179 | 3.63% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,249 | 2.88% |
| Atchison, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,202 | 2.75% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,505 | 3.13% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,103 | 4.25% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,176 | 4.75% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,038 | 3.50% |
| Austin, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,072 | 5.25% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,984 | 5.99% |
| Pecos, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,456 | 6.13% |
| Bay City, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,174 | 5.99% |
| Forrest City, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,098 | 4.99% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,360 | 4.99% |
| Marshall, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $6,261 | 4.50% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,925 | 5.38% |
| Huntington, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,323 | 4.99% |
| Elk City, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,499 | 2.50% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,703 | 6.63% |
| Wilson, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,132 | 5.88% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,843 | 5.38% |
| Lamesa, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,865 | 2.88% |
| Marion, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,079 | 3.88% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,108 | 4.99% |
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Product Mix
For 2022, Loanpal's most frequently originated type of loan was Conventional, with 6,058 originations. Their 2nd most popular type was VA, with 1,231 originations.
Loan Reason
For 2022, Loanpal's most frequently cited loan purpose was Cash Out Refi, with 7,131 originations. The 2nd most popular reason was Refi, with 1,177 originations.
Loan Duration/Length
For 2022, Loanpal's most frequently cited loan duration was 30 Year, with 5,503 originations. The 2nd most popular length was 15 Year, with 1,666 originations.
Origination Fees/Closing Costs
Loanpal's average total fees were $10,931, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 5,608 originations.
Interest Rates
During 2022, Loanpal's average interest rate for loans was 4.24%, while their most frequently originated rate bucket for loans was 3-4%, with 2,757 originations.
Loan Sizing
2022 saw Loanpal place emphasis on $200k-400k loans with 3,778 originations, totaling $1,047,070,000 in origination value.
Applicant Income
Loanpal lent most frequently to those with incomes in the $50k-75k range, with 2,600 originations. The second most popular income band? $50k or less, with 1,987 originations.
Applicant Debt to Income Ratio
Loanpal lent most frequently to those with DTI ratios of 30-36%, with 1,410 originations. The next most common DTI ratio? 20-30%, with 1,348 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.00%
Loanpal has a below average approval rate.
Pick Rate
Approvals leading to origination32.91%
Loanpal 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 | 8,423 | $1,920,245,000 | $227,976 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 8,423 | $1,920,245,000 | $227,976 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| LoanFlight Lending, LLC | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |