Loanpal Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300YN94MOAVYW0F52

Tax ID: 47-0912342

3.2 stars - out of 5 stars, based on 123 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Loanpal is a mid-sized mortgage company specializing in Cash Out Refi and 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, Sacramento, Las Vegas, Denver, and Dallas among others. We have data for 475 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 7.06% 12/4/22
    30 Year Conventional Refi 6.95% 12/4/22
    30 Year Cash-out Refi 7.09% 12/4/22
    30 Year FHA Purchase 7.75% 12/4/22
    30 Year FHA Refi 7.25% 12/4/22
    30 Year VA Purchase 6.58% 12/4/22
    30 Year VA Refi 6.34% 12/4/22
    15 Year Conventional Purchase 6.40% 12/4/22
    15 Year Conventional Refi 6.23% 12/4/22
    15 Year Cash-out Refi 6.23% 12/4/22
    15 Year FHA Refi 5.76% 12/4/22
    15 Year VA Refi 6.46% 12/4/22
    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

    15,161

    Origination Dollar Volume (All Markets)

    $3,828,695,000
    Show all (48) awards

    Relative Rate

    Loanpal's average 30 year fixed mortgage rate was 2.98%.

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

    This yields a difference of -0.17%.

    Relative Fees (Closing Costs)

    Loanpal's average total fees/closing costs for a 30 year fixed rate mortgage were $7,021.

    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) 1,296 $330,760,000 $255,216 $6,414 2.94%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 896 $311,110,000 $347,221 $5,990 2.94%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 808 $220,280,000 $272,624 $6,586 2.86%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 503 $161,485,000 $321,044 $6,950 2.85%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 694 $141,840,000 $204,380 $6,567 2.95%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 461 $141,105,000 $306,085 $7,020 2.89%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 329 $132,495,000 $402,720 $7,554 2.88%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 205 $93,945,000 $458,268 $7,438 2.88%
    SALT LAKE CITY, UT (FHA|USDA|VA) 266 $75,100,000 $282,331 $6,660 2.91%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 290 $68,640,000 $236,690 $6,358 2.75%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 186 $65,330,000 $351,237 $6,765 2.80%
    BOISE CITY, ID (FHA|USDA|VA) 239 $63,445,000 $265,460 $7,541 2.82%
    ALBUQUERQUE, NM (FHA|USDA|VA) 327 $62,995,000 $192,645 $6,355 2.87%
    TUCSON, AZ (FHA|USDA|VA) 287 $57,655,000 $200,889 $6,088 2.91%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 144 $57,190,000 $397,153 $7,608 2.86%
    Outside of Metro Areas 299 $57,035,000 $190,753 $5,423 2.93%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 299 $55,745,000 $186,438 $6,422 2.91%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 245 $55,665,000 $227,204 $6,780 2.84%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 196 $54,060,000 $275,816 $6,935 2.85%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 217 $52,305,000 $241,037 $7,335 2.95%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 278 $52,200,000 $187,770 $6,013 2.94%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 222 $51,570,000 $232,297 $6,721 2.89%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 165 $51,465,000 $311,909 $7,303 2.86%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 164 $48,530,000 $295,915 $7,368 2.71%
    RALEIGH-CARY, NC (FHA|USDA|VA) 165 $42,035,000 $254,758 $7,011 2.91%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 170 $39,370,000 $231,588 $6,520 2.88%
    STOCKTON, CA (FHA|USDA|VA) 127 $38,415,000 $302,480 $6,821 2.87%
    FRESNO, CA (FHA|USDA|VA) 149 $36,655,000 $246,007 $6,580 2.93%
    BAKERSFIELD, CA (FHA|USDA|VA) 146 $32,670,000 $223,767 $5,841 2.89%
    PROVO-OREM, UT (FHA|USDA|VA) 103 $30,625,000 $297,330 $6,559 2.92%
    GREELEY, CO (FHA|USDA|VA) 99 $29,575,000 $298,737 $7,128 2.89%
    EL PASO, TX (FHA|USDA|VA) 218 $29,440,000 $135,046 $5,250 2.85%
    VALLEJO, CA (FHA|USDA|VA) 87 $28,825,000 $331,322 $6,908 2.78%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 133 $27,495,000 $206,729 $6,658 2.75%
    RICHMOND, VA (FHA|USDA|VA) 114 $26,030,000 $228,333 $5,973 2.91%
    YUBA CITY, CA (FHA|USDA|VA) 79 $24,105,000 $305,127 $7,090 2.92%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 65 $21,415,000 $329,462 $8,248 2.89%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 41 $17,765,000 $433,293 $6,990 2.82%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 52 $17,550,000 $337,500 $7,271 2.97%
    VISALIA, CA (FHA|USDA|VA) 71 $16,075,000 $226,408 $5,615 2.89%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 98 $16,020,000 $163,469 $5,338 2.91%
    FORT COLLINS, CO (FHA|USDA|VA) 48 $15,770,000 $328,542 $6,807 2.88%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 68 $15,620,000 $229,706 $6,734 2.78%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 72 $15,600,000 $216,667 $6,079 2.86%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 36 $15,530,000 $431,389 $7,811 2.80%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 62 $15,400,000 $248,387 $5,871 2.78%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 76 $15,150,000 $199,342 $6,398 2.93%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 61 $15,025,000 $246,311 $6,466 2.84%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 68 $14,750,000 $216,912 $6,316 2.67%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 55 $14,395,000 $261,727 $7,008 2.90%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 66 $14,380,000 $217,879 $6,463 3.00%
    PUEBLO, CO (FHA|USDA|VA) 79 $14,365,000 $181,835 $5,740 2.94%
    COLUMBUS, OH (FHA|USDA|VA) 69 $13,415,000 $194,420 $5,052 2.94%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 30 $13,360,000 $445,333 $8,901 2.84%
    PITTSBURGH, PA (FHA|USDA|VA) 80 $12,750,000 $159,375 $5,925 2.85%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 51 $12,015,000 $235,588 $6,144 2.88%
    MODESTO, CA (FHA|USDA|VA) 40 $11,920,000 $298,000 $7,125 2.93%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 54 $11,640,000 $215,556 $7,094 3.01%
    RENO, NV (FHA|USDA|VA) 40 $11,280,000 $282,000 $6,706 2.92%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 54 $10,380,000 $192,222 $6,146 2.93%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 40 $10,360,000 $259,000 $6,309 2.94%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 62 $10,340,000 $166,774 $5,318 2.89%
    ASHEVILLE, NC (FHA|USDA|VA) 46 $10,170,000 $221,087 $6,063 2.87%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 24 $10,170,000 $423,750 $7,763 2.85%
    LAS CRUCES, NM (FHA|USDA|VA) 60 $9,940,000 $165,667 $6,038 2.89%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 50 $9,870,000 $197,400 $5,538 2.86%
    ODESSA, TX (FHA|USDA|VA) 54 $9,700,000 $179,630 $6,954 3.05%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 54 $9,590,000 $177,593 $6,024 2.77%
    MERCED, CA (FHA|USDA|VA) 36 $9,380,000 $260,556 $6,230 2.91%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 36 $9,270,000 $257,500 $7,498 2.95%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 69 $9,225,000 $133,696 $5,419 2.81%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 43 $9,025,000 $209,884 $6,628 2.91%
    MIDLAND, TX (FHA|USDA|VA) 44 $8,720,000 $198,182 $6,162 2.99%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 56 $8,600,000 $153,571 $5,812 3.05%
    WINSTON-SALEM, NC (FHA|USDA|VA) 45 $7,815,000 $173,667 $6,405 2.88%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 35 $7,755,000 $221,571 $6,655 2.82%
    JACKSONVILLE, FL (FHA|USDA|VA) 35 $7,625,000 $217,857 $5,803 2.79%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 39 $7,615,000 $195,256 $5,761 2.93%
    Pahrump, NV (FHA|USDA|VA) 35 $7,535,000 $215,286 $6,850 2.92%
    YUMA, AZ (FHA|USDA|VA) 41 $7,195,000 $175,488 $5,179 2.82%
    BOULDER, CO (FHA|USDA|VA) 16 $7,190,000 $449,375 $7,153 2.84%
    CHICO, CA (FHA|USDA|VA) 27 $7,175,000 $265,741 $6,776 2.78%
    SALEM, OR (FHA|USDA|VA) 30 $6,970,000 $232,333 $6,521 2.92%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 35 $6,895,000 $197,000 $6,487 2.89%
    IDAHO FALLS, ID (FHA|USDA|VA) 25 $6,785,000 $271,400 $5,771 3.12%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 35 $6,635,000 $189,571 $5,045 2.82%
    MADERA, CA (FHA|USDA|VA) 25 $6,575,000 $263,000 $6,400 2.89%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 43 $6,345,000 $147,558 $6,111 2.85%
    LUBBOCK, TX (FHA|USDA|VA) 42 $6,290,000 $149,762 $6,044 2.95%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 16 $6,190,000 $386,875 $8,244 2.75%
    COLUMBIA, SC (FHA|USDA|VA) 40 $6,070,000 $151,750 $5,531 2.91%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 20 $6,060,000 $303,000 $8,627 2.82%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 39 $5,945,000 $152,436 $5,601 2.88%
    SPARTANBURG, SC (FHA|USDA|VA) 36 $5,920,000 $164,444 $5,785 2.81%
    PANAMA CITY, FL (FHA|USDA|VA) 32 $5,910,000 $184,688 $6,685 2.75%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 32 $5,840,000 $182,500 $5,016 2.99%
    SANTA FE, NM (FHA|USDA|VA) 24 $5,800,000 $241,667 $7,353 2.87%
    WACO, TX (FHA|USDA|VA) 31 $5,715,000 $184,355 $5,776 2.92%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 15 $5,565,000 $371,000 $7,073 3.20%
    SALINAS, CA (FHA|USDA|VA) 16 $5,510,000 $344,375 $8,724 2.90%
    MEDFORD, OR (FHA|USDA|VA) 18 $5,460,000 $303,333 $8,954 2.82%
    SALISBURY, MD-DE (FHA|USDA|VA) 24 $5,420,000 $225,833 $7,719 2.72%
    LAREDO, TX (FHA|USDA|VA) 34 $5,250,000 $154,412 $5,632 2.91%
    TWIN FALLS, ID (FHA|USDA|VA) 23 $5,205,000 $226,304 $6,560 2.87%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 23 $5,025,000 $218,478 $5,807 2.86%
    GRAND JUNCTION, CO (FHA|USDA|VA) 19 $4,835,000 $254,474 $5,661 2.89%
    REDDING, CA (FHA|USDA|VA) 19 $4,565,000 $240,263 $6,552 2.90%
    CaƱon City, CO (FHA|USDA|VA) 22 $4,500,000 $204,545 $6,431 2.99%
    NAPA, CA (FHA|USDA|VA) 10 $4,340,000 $434,000 $6,333 2.81%
    Heber, UT (FHA|USDA|VA) 8 $3,880,000 $485,000 $8,985 2.88%
    Fernley, NV (FHA|USDA|VA) 16 $3,860,000 $241,250 $5,521 2.96%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 17 $3,775,000 $222,059 $6,215 2.94%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 8 $3,770,000 $471,250 $9,178 3.09%
    LOGAN, UT-ID (FHA|USDA|VA) 15 $3,725,000 $248,333 $5,919 2.88%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 29 $3,605,000 $124,310 $5,164 2.99%
    PUNTA GORDA, FL (FHA|USDA|VA) 15 $3,465,000 $231,000 $6,325 2.92%
    POCATELLO, ID (FHA|USDA|VA) 15 $3,415,000 $227,667 $7,544 3.00%
    Red Bluff, CA (FHA|USDA|VA) 13 $3,235,000 $248,846 $7,288 2.95%
    Clearlake, CA (FHA|USDA|VA) 11 $3,225,000 $293,182 $7,011 3.41%
    Glenwood Springs, CO (FHA|USDA|VA) 13 $3,215,000 $247,308 $7,074 2.85%
    ST. GEORGE, UT (FHA|USDA|VA) 13 $3,195,000 $245,769 $6,155 3.19%
    OCALA, FL (FHA|USDA|VA) 20 $3,100,000 $155,000 $6,190 2.77%
    Rexburg, ID (FHA|USDA|VA) 13 $3,025,000 $232,692 $6,429 2.75%
    Alamogordo, NM (FHA|USDA|VA) 18 $2,920,000 $162,222 $6,340 2.82%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 9 $2,885,000 $320,556 $5,390 2.77%
    Blackfoot, ID (FHA|USDA|VA) 11 $2,885,000 $262,273 $8,183 2.95%
    SAVANNAH, GA (FHA|USDA|VA) 15 $2,835,000 $189,000 $5,492 3.01%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 16 $2,790,000 $174,375 $5,961 2.91%
    Edwards, CO (FHA|USDA|VA) 6 $2,750,000 $458,333 $9,311 2.71%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $2,650,000 $331,250 $8,797 3.00%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $2,615,000 $290,556 $6,806 2.90%
    TULSA, OK (FHA|USDA|VA) 19 $2,545,000 $133,947 $6,626 2.85%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 15 $2,505,000 $167,000 $6,566 2.95%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 14 $2,490,000 $177,857 $5,453 3.04%
    FAYETTEVILLE, NC (FHA|USDA|VA) 13 $2,425,000 $186,538 $6,081 2.68%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 16 $2,420,000 $151,250 $5,548 3.04%
    BURLINGTON, NC (FHA|USDA|VA) 13 $2,355,000 $181,154 $6,681 2.78%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $2,330,000 $233,000 $6,645 2.92%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 8 $2,310,000 $288,750 $7,199 3.12%
    Cedar City, UT (FHA|USDA|VA) 9 $2,305,000 $256,111 $7,499 2.97%
    TALLAHASSEE, FL (FHA|USDA|VA) 11 $2,275,000 $206,818 $6,737 3.09%
    GRANTS PASS, OR (FHA|USDA|VA) 9 $2,265,000 $251,667 $6,858 3.03%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 10 $2,260,000 $226,000 $5,915 2.87%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 12 $2,230,000 $185,833 $4,065 2.96%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 13 $2,205,000 $169,615 $5,715 2.82%
    ABILENE, TX (FHA|USDA|VA) 13 $2,205,000 $169,615 $5,783 3.17%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 10 $2,120,000 $212,000 $7,494 2.65%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 12 $2,080,000 $173,333 $4,191 2.94%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 8 $2,080,000 $260,000 $7,082 2.81%
    GAINESVILLE, FL (FHA|USDA|VA) 11 $2,065,000 $187,727 $5,198 3.06%
    Sonora, CA (FHA|USDA|VA) 8 $2,030,000 $253,750 $5,251 3.01%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 8 $2,020,000 $252,500 $5,889 2.56%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 11 $1,945,000 $176,818 $7,125 3.16%
    Show Low, AZ (FHA|USDA|VA) 8 $1,930,000 $241,250 $6,421 2.69%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 13 $1,905,000 $146,538 $4,904 2.85%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 13 $1,905,000 $146,538 $5,587 2.94%
    Payson, AZ (FHA|USDA|VA) 10 $1,880,000 $188,000 $6,992 2.75%
    WICHITA FALLS, TX (FHA|USDA|VA) 13 $1,875,000 $144,231 $6,213 2.94%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $1,830,000 $457,500 $6,021 2.63%
    STAUNTON, VA (FHA|USDA|VA) 8 $1,810,000 $226,250 $5,354 2.92%
    SPRINGFIELD, MO (FHA|USDA|VA) 11 $1,775,000 $161,364 $5,302 3.08%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 10 $1,760,000 $176,000 $5,542 2.81%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 7 $1,735,000 $247,857 $6,903 3.21%
    Eureka-Arcata, CA (FHA|USDA|VA) 7 $1,695,000 $242,143 $7,136 3.03%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 9 $1,675,000 $186,111 $7,107 3.07%
    SAN ANGELO, TX (FHA|USDA|VA) 13 $1,645,000 $126,538 $4,918 2.97%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 11 $1,625,000 $147,727 $3,517 3.08%
    Ukiah, CA (FHA|USDA|VA) 6 $1,570,000 $261,667 $5,615 2.94%
    WICHITA, KS (FHA|USDA|VA) 10 $1,500,000 $150,000 $5,630 2.79%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 12 $1,500,000 $125,000 $5,909 3.00%
    Klamath Falls, OR (FHA|USDA|VA) 10 $1,490,000 $149,000 $4,950 3.25%
    THE VILLAGES, FL (FHA|USDA|VA) 6 $1,440,000 $240,000 $6,933 2.69%
    FLORENCE, SC (FHA|USDA|VA) 9 $1,435,000 $159,444 $5,547 2.79%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $1,410,000 $176,250 $6,614 2.78%
    JOPLIN, MO (FHA|USDA|VA) 9 $1,385,000 $153,889 $5,427 3.15%
    MADISON, WI (FHA|USDA|VA) 4 $1,370,000 $342,500 $5,395 2.87%
    DOVER, DE (FHA|USDA|VA) 5 $1,345,000 $269,000 $8,911 2.85%
    Andrews, TX (FHA|USDA|VA) 8 $1,320,000 $165,000 $5,861 2.91%
    Big Spring, TX (FHA|USDA|VA) 8 $1,320,000 $165,000 $6,189 3.30%
    Elko, NV (FHA|USDA|VA) 5 $1,315,000 $263,000 $8,484 2.90%
    Montrose, CO (FHA|USDA|VA) 6 $1,310,000 $218,333 $5,630 2.77%
    STATE COLLEGE, PA (FHA|USDA|VA) 5 $1,305,000 $261,000 $7,460 2.78%
    SUMTER, SC (FHA|USDA|VA) 10 $1,240,000 $124,000 $5,055 2.87%
    Safford, AZ (FHA|USDA|VA) 7 $1,225,000 $175,000 $5,291 2.89%
    Seneca, SC (FHA|USDA|VA) 3 $1,215,000 $405,000 $7,540 3.08%
    WINCHESTER, VA-WV (FHA|USDA|VA) 6 $1,200,000 $200,000 $4,677 2.87%
    TYLER, TX (FHA|USDA|VA) 5 $1,195,000 $239,000 $3,478 2.73%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,185,000 $237,000 $5,483 3.15%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $1,155,000 $231,000 $7,412 2.90%
    Athens, TX (FHA|USDA|VA) 5 $1,155,000 $231,000 $7,420 2.97%
    AMARILLO, TX (FHA|USDA|VA) 8 $1,150,000 $143,750 $4,957 2.92%
    HARRISONBURG, VA (FHA|USDA|VA) 3 $1,135,000 $378,333 $4,413 2.92%
    Roswell, NM (FHA|USDA|VA) 7 $1,095,000 $156,429 $6,483 3.13%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,080,000 $270,000 $6,528 3.00%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,040,000 $260,000 $2,529 2.90%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 7 $975,000 $139,286 $5,524 2.66%
    Coos Bay, OR (FHA|USDA|VA) 3 $975,000 $325,000 $7,834 2.58%
    WILMINGTON, NC (FHA|USDA|VA) 4 $960,000 $240,000 $7,914 2.72%
    Richmond, IN (FHA|USDA|VA) 4 $960,000 $240,000 $4,589 2.97%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 6 $950,000 $158,333 $4,635 2.89%
    North Wilkesboro, NC (FHA|USDA|VA) 6 $930,000 $155,000 $5,772 2.93%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $910,000 $151,667 $5,733 3.14%
    LYNCHBURG, VA (FHA|USDA|VA) 6 $880,000 $146,667 $4,670 2.83%
    Greenwood, SC (FHA|USDA|VA) 5 $875,000 $175,000 $4,719 2.57%
    Mountain Home, ID (FHA|USDA|VA) 5 $865,000 $173,000 $4,500 2.70%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $855,000 $285,000 $4,124 2.71%
    BEND, OR (FHA|USDA|VA) 5 $845,000 $169,000 $4,641 2.52%
    Los Alamos, NM (FHA|USDA|VA) 3 $835,000 $278,333 $4,956 3.25%
    YORK-HANOVER, PA (FHA|USDA|VA) 5 $825,000 $165,000 $5,034 2.97%
    LEWISTON, ID-WA (FHA|USDA|VA) 4 $820,000 $205,000 $5,943 3.16%
    JACKSONVILLE, NC (FHA|USDA|VA) 5 $815,000 $163,000 $4,770 3.00%
    Athens, TN (FHA|USDA|VA) 3 $805,000 $268,333 $7,771 2.46%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $800,000 $400,000 $14,425 2.81%
    CARSON CITY, NV (FHA|USDA|VA) 2 $780,000 $390,000 $8,602 3.25%
    FORT WAYNE, IN (FHA|USDA|VA) 6 $780,000 $130,000 $4,304 3.04%
    CORVALLIS, OR (FHA|USDA|VA) 4 $780,000 $195,000 $3,378 2.59%
    MUSKEGON, MI (FHA|USDA|VA) 2 $770,000 $385,000 $6,785 2.50%
    Eagle Pass, TX (FHA|USDA|VA) 5 $765,000 $153,000 $5,413 2.98%
    ROANOKE, VA (FHA|USDA|VA) 5 $765,000 $153,000 $4,468 3.50%
    GETTYSBURG, PA (FHA|USDA|VA) 3 $755,000 $251,667 $7,483 2.54%
    Nogales, AZ (FHA|USDA|VA) 5 $745,000 $149,000 $5,535 2.80%
    Silver City, NM (FHA|USDA|VA) 5 $745,000 $149,000 $6,078 2.65%
    Ontario, OR-ID (FHA|USDA|VA) 4 $740,000 $185,000 $6,700 2.84%
    LAWTON, OK (FHA|USDA|VA) 4 $740,000 $185,000 $7,574 2.56%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $725,000 $241,667 $9,145 2.92%
    FLAGSTAFF, AZ (FHA|USDA|VA) 3 $725,000 $241,667 $8,119 2.96%
    Burley, ID (FHA|USDA|VA) 4 $710,000 $177,500 $5,712 2.75%
    Sevierville, TN (FHA|USDA|VA) 4 $710,000 $177,500 $4,125 3.03%
    Price, UT (FHA|USDA|VA) 4 $700,000 $175,000 $5,458 3.00%
    Lewisburg, PA (FHA|USDA|VA) 3 $695,000 $231,667 $5,006 2.83%
    EL CENTRO, CA (FHA|USDA|VA) 2 $690,000 $345,000 $5,060 3.38%
    READING, PA (FHA|USDA|VA) 3 $685,000 $228,333 $6,896 2.63%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $675,000 $135,000 $5,603 2.55%
    Jefferson, GA (FHA|USDA|VA) 4 $670,000 $167,500 $6,972 2.66%
    Cookeville, TN (FHA|USDA|VA) 2 $670,000 $335,000 $10,266 3.12%
    LONGVIEW, WA (FHA|USDA|VA) 1 $665,000 $665,000 $9,551 2.25%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $660,000 $330,000 $4,198 3.00%
    Mount Airy, NC (FHA|USDA|VA) 4 $660,000 $165,000 $5,769 2.75%
    Oak Harbor, WA (FHA|USDA|VA) 2 $650,000 $325,000 $8,176 3.06%
    COLUMBIA, MO (FHA|USDA|VA) 4 $640,000 $160,000 $4,372 2.97%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $630,000 $157,500 $6,007 2.84%
    Brevard, NC (FHA|USDA|VA) 3 $625,000 $208,333 $6,102 2.91%
    DOTHAN, AL (FHA|USDA|VA) 2 $620,000 $310,000 $2,465 3.06%
    Shelby, NC (FHA|USDA|VA) 5 $615,000 $123,000 $5,014 2.97%
    Kill Devil Hills, NC (FHA|USDA|VA) 2 $600,000 $300,000 $6,453 3.00%
    Deming, NM (FHA|USDA|VA) 5 $595,000 $119,000 $5,101 2.97%
    NEW BERN, NC (FHA|USDA|VA) 4 $590,000 $147,500 $4,603 2.72%
    Durango, CO (FHA|USDA|VA) 2 $590,000 $295,000 $8,075 2.62%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 4 $570,000 $142,500 $4,225 3.25%
    URBAN HONOLULU, HI (FHA|USDA|VA) 1 $565,000 $565,000 $9,687 2.88%
    AKRON, OH (FHA|USDA|VA) 6 $560,000 $93,333 $3,657 3.58%
    TOLEDO, OH (FHA|USDA|VA) 3 $555,000 $185,000 $4,789 3.29%
    Othello, WA (FHA|USDA|VA) 2 $540,000 $270,000 $5,357 2.62%
    Shawnee, OK (FHA|USDA|VA) 4 $540,000 $135,000 $4,948 2.84%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $540,000 $135,000 $6,733 3.15%
    Clovis, NM (FHA|USDA|VA) 3 $525,000 $175,000 $6,111 2.71%
    New Castle, PA (FHA|USDA|VA) 4 $520,000 $130,000 $5,966 3.15%
    Snyder, TX (FHA|USDA|VA) 2 $510,000 $255,000 $8,517 3.18%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 4 $510,000 $127,500 $4,459 3.09%
    ST. CLOUD, MN (FHA|USDA|VA) 4 $510,000 $127,500 $3,390 2.50%
    Torrington, CT (FHA|USDA|VA) 3 $505,000 $168,333 $5,923 2.75%
    WILLIAMSPORT, PA (FHA|USDA|VA) 2 $500,000 $250,000 $5,117 2.44%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $500,000 $125,000 $6,178 2.75%
    Sanford, NC (FHA|USDA|VA) 3 $495,000 $165,000 $4,772 2.79%
    LANCASTER, PA (FHA|USDA|VA) 3 $495,000 $165,000 $5,885 2.67%
    TOPEKA, KS (FHA|USDA|VA) 3 $485,000 $161,667 $5,856 3.12%
    Norwalk, OH (FHA|USDA|VA) 2 $480,000 $240,000 $4,847 3.25%
    Las Vegas, NM (FHA|USDA|VA) 3 $475,000 $158,333 $5,382 3.33%
    Mount Vernon, OH (FHA|USDA|VA) 3 $475,000 $158,333 $4,945 2.96%
    Ruidoso, NM (FHA|USDA|VA) 2 $470,000 $235,000 $7,121 2.99%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $470,000 $235,000 $6,023 2.75%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $465,000 $155,000 $4,579 2.54%
    Greensburg, IN (FHA|USDA|VA) 2 $460,000 $230,000 $7,182 3.00%
    FORT SMITH, AR-OK (FHA|USDA|VA) 3 $455,000 $151,667 $5,936 2.67%
    TERRE HAUTE, IN (FHA|USDA|VA) 3 $455,000 $151,667 $5,142 3.33%
    Forest City, NC (FHA|USDA|VA) 3 $445,000 $148,333 $4,860 2.96%
    Danville, VA (FHA|USDA|VA) 5 $435,000 $87,000 $3,322 2.82%
    Newport, OR (FHA|USDA|VA) 1 $435,000 $435,000 $7,263 2.25%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $435,000 $435,000 $10,721 3.25%
    DULUTH, MN-WI (FHA|USDA|VA) 2 $430,000 $215,000 $6,811 3.56%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $425,000 $141,667 $4,224 2.42%
    Ellensburg, WA (FHA|USDA|VA) 1 $425,000 $425,000 $24,211 2.75%
    Vernal, UT (FHA|USDA|VA) 2 $420,000 $210,000 $4,577 2.81%
    Branson, MO (FHA|USDA|VA) 3 $415,000 $138,333 $6,071 3.00%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $410,000 $205,000 $7,271 3.25%
    Crescent City, CA (FHA|USDA|VA) 2 $400,000 $200,000 $3,944 3.06%
    GAINESVILLE, GA (FHA|USDA|VA) 2 $400,000 $200,000 $6,210 2.63%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $395,000 $131,667 $5,825 2.91%
    Lewistown, PA (FHA|USDA|VA) 3 $395,000 $131,667 $5,485 2.58%
    VALDOSTA, GA (FHA|USDA|VA) 3 $395,000 $131,667 $4,510 3.96%
    Pottsville, PA (FHA|USDA|VA) 3 $385,000 $128,333 $4,875 3.45%
    Port Angeles, WA (FHA|USDA|VA) 1 $385,000 $385,000 $8,194 3.25%
    Alice, TX (FHA|USDA|VA) 1 $385,000 $385,000 $11,860 2.99%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $380,000 $190,000 $5,793 2.93%
    Sunbury, PA (FHA|USDA|VA) 2 $380,000 $190,000 $5,151 2.99%
    Sedalia, MO (FHA|USDA|VA) 4 $380,000 $95,000 $3,427 2.81%
    Cullowhee, NC (FHA|USDA|VA) 2 $380,000 $190,000 $7,802 3.50%
    OCEAN CITY, NJ (FHA|USDA|VA) 2 $370,000 $185,000 $4,377 2.94%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $370,000 $185,000 $7,949 3.00%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $370,000 $185,000 $7,822 2.69%
    Granbury, TX (FHA|USDA|VA) 1 $365,000 $365,000 $2,810 2.99%
    Jackson, WY-ID (FHA|USDA|VA) 1 $365,000 $365,000 $12,391 2.88%
    Gaffney, SC (FHA|USDA|VA) 2 $360,000 $180,000 $7,004 3.25%
    St. Marys, GA (FHA|USDA|VA) 2 $360,000 $180,000 $7,723 3.25%
    ERIE, PA (FHA|USDA|VA) 4 $360,000 $90,000 $4,353 3.25%
    North Vernon, IN (FHA|USDA|VA) 1 $355,000 $355,000 $18,961 2.50%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $355,000 $355,000 $2,560 2.50%
    Prineville, OR (FHA|USDA|VA) 1 $355,000 $355,000 $3,592 2.25%
    JEFFERSON CITY, MO (FHA|USDA|VA) 3 $355,000 $118,333 $4,631 2.42%
    Muskogee, OK (FHA|USDA|VA) 3 $355,000 $118,333 $6,872 2.67%
    Morehead City, NC (FHA|USDA|VA) 1 $345,000 $345,000 $2,643 3.38%
    Bay City, TX (FHA|USDA|VA) 1 $345,000 $345,000 $13,079 2.38%
    Craig, CO (FHA|USDA|VA) 1 $345,000 $345,000 $19,197 2.88%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $340,000 $170,000 $5,498 3.19%
    LEBANON, PA (FHA|USDA|VA) 2 $340,000 $170,000 $2,387 3.12%
    Sterling, CO (FHA|USDA|VA) 2 $330,000 $165,000 $4,333 3.25%
    COLUMBUS, GA-AL (FHA|USDA|VA) 3 $325,000 $108,333 $5,248 2.83%
    Thomasville, GA (FHA|USDA|VA) 2 $320,000 $160,000 $4,550 3.62%
    Brenham, TX (FHA|USDA|VA) 1 $315,000 $315,000 $12,594 2.63%
    Roseburg, OR (FHA|USDA|VA) 1 $315,000 $315,000 $8,850 2.25%
    Henderson, NC (FHA|USDA|VA) 2 $310,000 $155,000 $2,839 2.62%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $305,000 $305,000 $3,364 2.50%
    McAlester, OK (FHA|USDA|VA) 2 $300,000 $150,000 $5,771 2.50%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $300,000 $150,000 $4,894 3.31%
    YAKIMA, WA (FHA|USDA|VA) 2 $300,000 $150,000 $6,768 2.69%
    Alexander City, AL (FHA|USDA|VA) 1 $295,000 $295,000 $3,537 2.75%
    Huntsville, TX (FHA|USDA|VA) 2 $290,000 $145,000 $6,138 2.68%
    Del Rio, TX (FHA|USDA|VA) 2 $290,000 $145,000 $4,923 3.06%
    Warrensburg, MO (FHA|USDA|VA) 2 $290,000 $145,000 $6,169 2.75%
    FLINT, MI (FHA|USDA|VA) 2 $290,000 $145,000 $5,923 3.50%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $285,000 $285,000 $4,374 2.25%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $285,000 $285,000 $4,319 2.75%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $285,000 $285,000 $14,599 3.25%
    Portales, NM (FHA|USDA|VA) 2 $280,000 $140,000 $5,994 2.93%
    Pecos, TX (FHA|USDA|VA) 2 $280,000 $140,000 $4,881 3.63%
    RACINE, WI (FHA|USDA|VA) 2 $280,000 $140,000 $4,583 2.44%
    Brownwood, TX (FHA|USDA|VA) 2 $280,000 $140,000 $6,040 3.25%
    Red Wing, MN (FHA|USDA|VA) 1 $275,000 $275,000 $2,111 2.63%
    Hilo, HI (FHA|USDA|VA) 1 $275,000 $275,000 $6,360 3.63%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $275,000 $275,000 $1,751 2.88%
    Bonham, TX (FHA|USDA|VA) 3 $275,000 $91,667 $4,617 3.08%
    Miami, OK (FHA|USDA|VA) 2 $270,000 $135,000 $5,628 3.38%
    Elizabeth City, NC (FHA|USDA|VA) 2 $270,000 $135,000 $5,279 3.69%
    Auburn, IN (FHA|USDA|VA) 2 $260,000 $130,000 $4,044 3.81%
    Okeechobee, FL (FHA|USDA|VA) 2 $260,000 $130,000 $3,219 3.25%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $260,000 $130,000 $6,723 3.00%
    Washington, NC (FHA|USDA|VA) 2 $260,000 $130,000 $4,653 3.25%
    Huntington, IN (FHA|USDA|VA) 1 $255,000 $255,000 $8,922 2.25%
    Grants, NM (FHA|USDA|VA) 1 $255,000 $255,000 $3,709 2.25%
    Orangeburg, SC (FHA|USDA|VA) 3 $255,000 $85,000 $4,018 2.71%
    Ada, OK (FHA|USDA|VA) 1 $255,000 $255,000 $9,427 2.25%
    Kerrville, TX (FHA|USDA|VA) 2 $250,000 $125,000 $5,398 2.50%
    SPRINGFIELD, OH (FHA|USDA|VA) 2 $250,000 $125,000 $2,320 3.38%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $250,000 $125,000 $4,710 2.81%
    Centralia, WA (FHA|USDA|VA) 2 $250,000 $125,000 $6,297 2.75%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $245,000 $245,000 $11,917 3.25%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $245,000 $245,000 $4,407 2.50%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,496 2.99%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $240,000 $120,000 $4,380 3.49%
    Corsicana, TX (FHA|USDA|VA) 2 $240,000 $120,000 $5,237 2.63%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $235,000 $235,000 $11,737 2.88%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $235,000 $235,000 $7,452 2.38%
    Moscow, ID (FHA|USDA|VA) 1 $235,000 $235,000 $6,934 2.99%
    Lock Haven, PA (FHA|USDA|VA) 1 $235,000 $235,000 $5,406 2.88%
    JACKSON, TN (FHA|USDA|VA) 2 $230,000 $115,000 $5,091 2.62%
    Marion, OH (FHA|USDA|VA) 2 $230,000 $115,000 $5,744 2.56%
    The Dalles, OR (FHA|USDA|VA) 1 $225,000 $225,000 $9,453 3.25%
    LAWRENCE, KS (FHA|USDA|VA) 1 $225,000 $225,000 $11,180 2.75%
    Arcadia, FL (FHA|USDA|VA) 1 $225,000 $225,000 $4,243 2.50%
    Rockport, TX (FHA|USDA|VA) 1 $225,000 $225,000 $10,466 2.99%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $225,000 $225,000 $984 3.25%
    Wabash, IN (FHA|USDA|VA) 1 $225,000 $225,000 $5,517 2.75%
    Vincennes, IN (FHA|USDA|VA) 1 $225,000 $225,000 $6,022 2.50%
    Celina, OH (FHA|USDA|VA) 1 $225,000 $225,000 $7,017 2.88%
    Kingsville, TX (FHA|USDA|VA) 2 $220,000 $110,000 $2,896 3.25%
    Palatka, FL (FHA|USDA|VA) 2 $220,000 $110,000 $3,264 2.87%
    Searcy, AR (FHA|USDA|VA) 2 $220,000 $110,000 $4,541 3.00%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $215,000 $215,000 $6,528 2.63%
    Austin, MN (FHA|USDA|VA) 1 $215,000 $215,000 $4,323 2.38%
    Levelland, TX (FHA|USDA|VA) 2 $210,000 $105,000 $5,284 3.00%
    Pearsall, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,205 3.50%
    Lewisburg, TN (FHA|USDA|VA) 1 $205,000 $205,000 $8,011 3.50%
    Uvalde, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,900 4.99%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $195,000 $195,000 $6,622 2.75%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $195,000 $195,000 $5,750 3.25%
    Marion, NC (FHA|USDA|VA) 2 $190,000 $95,000 $4,676 2.44%
    Defiance, OH (FHA|USDA|VA) 2 $190,000 $95,000 $3,856 2.63%
    Warren, PA (FHA|USDA|VA) 2 $190,000 $95,000 $4,029 2.50%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $185,000 $185,000 $3,981 2.75%
    DuBois, PA (FHA|USDA|VA) 1 $185,000 $185,000 $4,460 2.75%
    WENATCHEE, WA (FHA|USDA|VA) 1 $185,000 $185,000 $7,997 2.88%
    KOKOMO, IN (FHA|USDA|VA) 1 $185,000 $185,000 $3,418 2.88%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $7,975 3.38%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $185,000 $185,000 $6,600 2.88%
    NILES, MI (FHA|USDA|VA) 1 $175,000 $175,000 $6,798 3.25%
    Union City, TN (FHA|USDA|VA) 1 $175,000 $175,000 $5,010 3.25%
    Gallup, NM (FHA|USDA|VA) 1 $175,000 $175,000 $8,516 2.88%
    Shelton, WA (FHA|USDA|VA) 1 $175,000 $175,000 $6,083 2.99%
    Salem, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,691 2.75%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $6,057 3.75%
    Huntingdon, PA (FHA|USDA|VA) 1 $175,000 $175,000 $5,352 2.75%
    GREENVILLE, NC (FHA|USDA|VA) 2 $170,000 $85,000 $3,699 3.25%
    Chillicothe, OH (FHA|USDA|VA) 1 $165,000 $165,000 $7,434 3.00%
    Albemarle, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,520 3.50%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,694 2.50%
    Pullman, WA (FHA|USDA|VA) 1 $165,000 $165,000 $5,885 2.99%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $165,000 $165,000 $5,577 2.25%
    Kendallville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $7,377 2.00%
    Brainerd, MN (FHA|USDA|VA) 1 $165,000 $165,000 $5,153 2.38%
    Lumberton, NC (FHA|USDA|VA) 2 $160,000 $80,000 $4,305 2.13%
    Newport, TN (FHA|USDA|VA) 1 $155,000 $155,000 $4,980 2.50%
    Cornelia, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,529 3.50%
    Cedartown, GA (FHA|USDA|VA) 1 $155,000 $155,000 $4,350 3.25%
    Stillwater, OK (FHA|USDA|VA) 1 $155,000 $155,000 $2,449 3.25%
    Susanville, CA (FHA|USDA|VA) 1 $155,000 $155,000 $5,655 2.99%
    Statesboro, GA (FHA|USDA|VA) 1 $155,000 $155,000 $7,299 3.50%
    Camden, AR (FHA|USDA|VA) 1 $145,000 $145,000 $7,087 3.25%
    ROCHESTER, MN (FHA|USDA|VA) 1 $145,000 $145,000 $4,847 2.75%
    VICTORIA, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,446 2.88%
    MONROE, MI (FHA|USDA|VA) 1 $145,000 $145,000 $6,281 3.99%
    MANHATTAN, KS (FHA|USDA|VA) 1 $145,000 $145,000 $5,240 2.75%
    Cambridge, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,155 3.50%
    Sayre, PA (FHA|USDA|VA) 1 $135,000 $135,000 $5,680 2.99%
    CLEVELAND, TN (FHA|USDA|VA) 1 $135,000 $135,000 $5,954 2.50%
    Dyersburg, TN (FHA|USDA|VA) 1 $135,000 $135,000 $3,189 3.75%
    St. Marys, PA (FHA|USDA|VA) 1 $135,000 $135,000 $7,242 2.25%
    Fredericksburg, TX (FHA|USDA|VA) 1 $135,000 $135,000 $6,858 2.99%
    Athens, OH (FHA|USDA|VA) 1 $135,000 $135,000 $1,145 3.63%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $135,000 $135,000 $6,505 2.88%
    Washington Court House, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,005 2.88%
    Logansport, IN (FHA|USDA|VA) 1 $135,000 $135,000 $7,967 3.13%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $135,000 $135,000 $2,284 3.50%
    Kirksville, MO (FHA|USDA|VA) 1 $135,000 $135,000 $4,455 2.88%
    Meadville, PA (FHA|USDA|VA) 2 $130,000 $65,000 $3,572 3.31%
    Zanesville, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,354 2.88%
    Marion, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,494 2.88%
    Wooster, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,464 2.88%
    Marshall, MO (FHA|USDA|VA) 1 $125,000 $125,000 $5,209 2.88%
    Coldwater, MI (FHA|USDA|VA) 1 $125,000 $125,000 $4,493 3.63%
    Lake City, FL (FHA|USDA|VA) 1 $125,000 $125,000 $4,933 3.25%
    El Campo, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,685 2.63%
    JACKSON, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,197 3.50%
    ROME, GA (FHA|USDA|VA) 1 $115,000 $115,000 $5,610 2.75%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $115,000 $115,000 $4,153 2.25%
    Oil City, PA (FHA|USDA|VA) 1 $105,000 $105,000 $3,569 3.63%
    Urbana, OH (FHA|USDA|VA) 1 $105,000 $105,000 $8,310 2.75%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,805 3.25%
    Greeneville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,163 3.38%
    Paris, TN (FHA|USDA|VA) 1 $105,000 $105,000 $4,550 2.99%
    Lufkin, TX (FHA|USDA|VA) 1 $105,000 $105,000 $2,797 2.50%
    Union, SC (FHA|USDA|VA) 1 $105,000 $105,000 $3,729 3.38%
    Palestine, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,071 4.75%
    Gainesville, TX (FHA|USDA|VA) 1 $95,000 $95,000 $2,908 2.25%
    Clewiston, FL (FHA|USDA|VA) 1 $95,000 $95,000 $3,766 2.88%
    COLUMBUS, IN (FHA|USDA|VA) 1 $95,000 $95,000 $3,541 2.88%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $85,000 $85,000 $2,290 2.88%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $85,000 $85,000 $3,452 3.25%
    Big Rapids, MI (FHA|USDA|VA) 1 $85,000 $85,000 $4,270 2.88%
    Emporia, KS (FHA|USDA|VA) 1 $85,000 $85,000 $4,063 3.25%
    Cadillac, MI (FHA|USDA|VA) 1 $85,000 $85,000 $2,155 2.88%
    Indiana, PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,269 2.99%
    Stephenville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,906 2.75%
    Sikeston, MO (FHA|USDA|VA) 1 $85,000 $85,000 $4,024 2.99%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $85,000 $85,000 $4,299 2.63%
    Garden City, KS (FHA|USDA|VA) 1 $85,000 $85,000 $4,501 2.25%
    Bedford, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,859 2.50%
    Waycross, GA (FHA|USDA|VA) 1 $75,000 $75,000 $3,084 2.63%
    Hobbs, NM (FHA|USDA|VA) 1 $75,000 $75,000 $4,468 2.13%
    Connersville, IN (FHA|USDA|VA) 1 $75,000 $75,000 $1,748 2.99%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $65,000 $65,000 $3,660 2.25%
    Mineral Wells, TX (FHA|USDA|VA) 1 $65,000 $65,000 $3,844 2.99%
    Bartlesville, OK (FHA|USDA|VA) 1 $65,000 $65,000 $1,980 3.63%
    Mount Pleasant, MI (FHA|USDA|VA) 1 $55,000 $55,000 $3,458 3.25%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $55,000 $55,000 $3,367 2.13%
    Boone, NC (FHA|USDA|VA) 1 $55,000 $55,000 $2,618 2.99%
    Loanpal's top markets include Phoenix, Sacramento, Las Vegas, Denver, and Dallas among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against LOANPAL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SANDIA LABORATORY
    Similarity Rank: 180
    STRATA Credit Union
    Similarity Rank: 195
    CINFED Federal Credit Union
    Similarity Rank: 288
    Emory Alliance Credit Union
    Similarity Rank: 305
    SAFE 1 CREDIT UNION
    Similarity Rank: 393
    AltaOne Federal Credit Union
    Similarity Rank: 444
    POINT BREEZE
    Similarity Rank: 477
    Sierra Central Credit Union
    Similarity Rank: 480
    Sharefax Credit Union
    Similarity Rank: 505

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 12,280 $3,003,100,000 $244,552 $6,008 2.97%
    VA 1,830 $557,530,000 $304,661 $7,448 2.50%
    FHA 1,051 $268,065,000 $255,057 $10,108 2.68%

    For 2021, Loanpal's most frequently originated type of loan was Conventional, with 12,280 originations. Their 2nd most popular type was VA, with 1,830 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 7,475 $1,771,975,000 $237,054 $6,901 2.91%
    Refi 7,163 $1,868,695,000 $260,882 $5,938 2.87%
    Home Purchase 523 $188,025,000 $359,512 $7,695 2.92%

    For 2021, Loanpal's most frequently cited loan purpose was Cash Out Refi, with 7,475 originations. The 2nd most popular reason was Refi, with 7,163 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10,739 $2,950,335,000 $274,731 $7,021 2.98%
    15 Year 2,301 $450,655,000 $195,852 $5,073 2.55%
    20 Year 1,257 $272,475,000 $216,766 $5,361 2.93%
    10 Year 439 $58,585,000 $133,451 $4,078 2.42%
    Other 425 $96,645,000 $227,400 $5,868 2.86%

    For 2021, Loanpal's most frequently cited loan duration was 30 Year, with 10,739 originations. The 2nd most popular length was 15 Year, with 2,301 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 4,946 $1,507,600,000 $304,812
    $3k-4k 2,750 $562,580,000 $204,575
    $2k-3k 2,396 $484,920,000 $202,387
    $4k-5k 2,122 $495,380,000 $233,450
    $1k-2k 1,548 $345,050,000 $222,901
    $<1k 1,399 $433,165,000 $309,625

    Loanpal's average total fees were $7,021, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 4,946 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 6,838 $1,740,590,000 $254,547
    3-4% 4,316 $1,121,500,000 $259,847
    <2.5% 3,849 $928,365,000 $241,196
    4-5% 150 $36,440,000 $242,933
    5-6% 8 $1,800,000 $225,000

    During 2021, Loanpal's average interest rate for loans was 2.98%, while their most frequently originated rate bucket for loans was 2.5-3%, with 6,838 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 7,602 $2,137,860,000 $281,223 $6,966 2.90%
    $100k-200k 4,618 $705,280,000 $152,724 $5,460 2.93%
    $400k-600k 1,603 $756,215,000 $471,750 $8,127 2.93%
    $100,000 or less 1,139 $85,375,000 $74,956 $3,739 2.66%
    $600k-1MM 189 $131,525,000 $695,899 $12,159 2.93%
    $1MM+ 10 $12,440,000 $1,244,000 $13,305 3.01%

    2021 saw Loanpal place emphasis on $200k-400k loans with 7,602 originations, totaling $2,137,860,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 4,255 $909,125,000 $213,660 $6,540 2.91%
    $75k-100k 3,198 $825,680,000 $258,186 $6,749 2.90%
    $100k-150k 3,087 $949,125,000 $307,459 $7,078 2.90%
    $50k or less 2,629 $404,915,000 $154,019 $5,519 2.92%
    $150k-250k 1,202 $464,590,000 $386,514 $7,058 2.89%
    $250k+ 185 $85,755,000 $463,541 $6,844 2.84%

    Loanpal lent most frequently to those with incomes in the $50k-75k range, with 4,255 originations. The second most popular income band? $75k-100k, with 3,198 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,663 $671,735,000 $252,247 $6,210 2.93%
    20-30% 2,613 $632,175,000 $241,935 $5,904 2.86%
    44% 931 $234,635,000 $252,025 $6,826 3.02%
    50-60% 730 $203,240,000 $278,411 $9,462 2.64%
    43% 717 $179,275,000 $250,035 $6,613 3.02%
    42% 714 $181,690,000 $254,468 $6,709 3.00%
    <20% 667 $131,285,000 $196,829 $4,899 2.64%
    41% 647 $165,515,000 $255,819 $6,580 2.98%
    40% 618 $155,330,000 $251,343 $6,596 3.01%
    45% 603 $149,715,000 $248,284 $6,817 2.98%
    39% 593 $152,605,000 $257,344 $6,693 2.95%
    38% 543 $141,625,000 $260,820 $6,934 2.97%
    37% 534 $137,830,000 $258,109 $6,539 2.93%
    36% 529 $130,685,000 $247,042 $6,263 2.97%
    49% 382 $100,360,000 $262,723 $7,347 2.87%
    46% 379 $97,465,000 $257,164 $6,684 2.84%
    48% 362 $93,450,000 $258,149 $7,259 2.82%
    47% 362 $97,430,000 $269,144 $7,063 2.89%
    >60% 19 $6,005,000 $316,053 $9,467 2.63%

    Loanpal lent most frequently to those with DTI ratios of 30-36%, with 2,663 originations. The next most common DTI ratio? 20-30%, with 2,613 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 9,502 $2,380,720,000 $250,549 $6,395 2.91%
    Not provided 4,007 $1,021,815,000 $255,007 $6,524 2.85%
    Black 1,010 $242,730,000 $240,327 $6,721 2.90%
    Asian 400 $123,380,000 $308,450 $6,841 2.83%
    American Indian 167 $38,105,000 $228,174 $6,564 2.93%
    Native Hawaiian or Islander 42 $11,450,000 $272,619 $6,784 3.00%
    Asian Indian 6 $2,710,000 $451,667 $7,656 3.06%
    Filipino 8 $2,500,000 $312,500 $6,739 2.81%
    Other Asian 7 $2,265,000 $323,571 $8,281 2.71%
    Other Pacific Islander 4 $1,080,000 $270,000 $9,061 2.81%
    Vietnamese 3 $725,000 $241,667 $7,700 2.87%
    Japanese 2 $580,000 $290,000 $3,475 2.19%
    Guamanian 2 $320,000 $160,000 $7,330 3.25%
    Chinese 1 $315,000 $315,000 $8,561 2.99%

    Approval Rates

    Total approvals of all applications
    84.81%

    Loanpal has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    42.17%

    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 15,161 $3,828,695,000 $252,536

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    15,161 $3,828,695,000 $252,536

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,051 $160,515,000 $152,726 $4,428 2.69%
    40-60% 2,944 $659,190,000 $223,910 $5,294 2.82%
    60-80% 6,985 $1,839,345,000 $263,328 $6,561 3.01%
    80-100% 3,884 $1,131,430,000 $291,305 $7,825 2.84%
    Over 100% 41 $17,205,000 $419,634 $11,062 2.65%
    Under 20% 256 $21,010,000 $82,070 $3,835 2.19%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    LoanFlight Lending, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    LoanFlight Lending, LLC Conventional home mortgage Closing on a mortgage 2 66.7%