Stearns Lending Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300YOESI1GLKRL151

Tax ID: 33-0051773

5 stars - out of 5 stars, based on 165 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Stearns Lending is a large mortgage company specializing in Refi, Home Purchase, and Cash Out Refi loans. Stearns Lending has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Los Angeles, San Francisco, Riverside, San Diego, and San Jose among others. Stearns Lending has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Stearns Lending is typically an average fee lendor.


Originations

27,110

Origination Dollar Volume (All Markets)

$9,222,390,000
Show all (108) awards

Relative Rate

Stearns Lending 's average 30 year fixed rate mortgage of loans were 2.98%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.17%.

Relative Fees

Stearns Lending 's average total fees for a 30 year fixed rate mortgage are $5,214.

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

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2,774 $1,347,970,000 $485,930 $5,375 2.92%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1,311 $646,695,000 $493,284 $4,504 2.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1,552 $527,490,000 $339,878 $5,409 2.93%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 854 $403,000,000 $471,897 $5,952 2.86%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 628 $338,240,000 $538,599 $5,014 2.85%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1,094 $330,190,000 $301,819 $3,950 2.93%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 981 $269,675,000 $274,898 $4,239 2.78%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 521 $228,435,000 $438,455 $4,967 2.80%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 575 $201,935,000 $351,191 $4,881 2.88%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 645 $193,815,000 $300,488 $5,520 2.87%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 483 $179,965,000 $372,598 $4,550 2.92%
SALT LAKE CITY, UT (FHA|USDA|VA) 512 $178,280,000 $348,203 $5,209 2.95%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 552 $166,510,000 $301,649 $5,562 2.86%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 449 $162,905,000 $362,817 $4,154 2.86%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 490 $141,970,000 $289,735 $6,956 2.89%
Outside of Metro Areas 599 $139,435,000 $232,780 $4,760 3.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 301 $111,835,000 $371,545 $4,757 2.80%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 278 $110,170,000 $396,295 $4,979 2.78%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 249 $106,845,000 $429,096 $5,373 2.80%
PROVO-OREM, UT (FHA|USDA|VA) 309 $103,635,000 $335,388 $5,488 2.92%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 221 $98,685,000 $446,538 $5,669 2.93%
STOCKTON, CA (FHA|USDA|VA) 330 $98,540,000 $298,606 $6,307 2.65%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 330 $96,120,000 $291,273 $4,194 2.79%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 354 $94,990,000 $268,333 $5,024 2.86%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 331 $91,845,000 $277,477 $6,652 2.85%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 294 $87,400,000 $297,279 $4,557 2.84%
LOGAN, UT-ID (FHA|USDA|VA) 282 $86,080,000 $305,248 $4,041 2.93%
URBAN HONOLULU, HI (FHA|USDA|VA) 172 $85,860,000 $499,186 $6,224 2.84%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 206 $76,800,000 $372,816 $7,614 2.74%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 238 $75,820,000 $318,571 $4,273 2.92%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 242 $72,450,000 $299,380 $5,082 3.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 195 $62,355,000 $319,769 $5,515 2.96%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 120 $59,980,000 $499,833 $4,734 2.95%
TUCSON, AZ (FHA|USDA|VA) 287 $58,065,000 $202,317 $4,405 2.80%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 187 $51,145,000 $273,503 $5,515 2.94%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 228 $51,090,000 $224,079 $3,946 3.05%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 131 $50,285,000 $383,855 $5,388 2.90%
MODESTO, CA (FHA|USDA|VA) 158 $50,020,000 $316,582 $5,044 2.97%
Outside of Metro Areas 154 $47,860,000 $310,779 $3,578 3.02%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 178 $46,420,000 $260,787 $4,106 2.93%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 210 $45,710,000 $217,667 $4,469 2.88%
BAKERSFIELD, CA (FHA|USDA|VA) 167 $43,325,000 $259,431 $4,976 3.03%
MISSOULA, MT (FHA|USDA|VA) 129 $42,505,000 $329,496 $3,838 2.91%
FRESNO, CA (FHA|USDA|VA) 144 $41,530,000 $288,403 $4,735 3.08%
VALLEJO, CA (FHA|USDA|VA) 98 $39,030,000 $398,265 $5,736 2.98%
SALINAS, CA (FHA|USDA|VA) 97 $38,655,000 $398,505 $6,257 2.89%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 94 $34,570,000 $367,766 $6,409 2.79%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 156 $32,250,000 $206,731 $4,060 2.93%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 96 $32,130,000 $334,688 $4,454 2.94%
Heber, UT (FHA|USDA|VA) 88 $31,820,000 $361,591 $5,088 2.94%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 120 $31,090,000 $259,083 $2,666 2.90%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 105 $28,735,000 $273,667 $4,143 2.95%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 101 $28,695,000 $284,109 $4,451 2.85%
ANCHORAGE, AK (FHA|USDA|VA) 80 $26,710,000 $333,875 $4,963 2.82%
ST. GEORGE, UT (FHA|USDA|VA) 82 $26,240,000 $320,000 $5,136 2.91%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 161 $25,515,000 $158,478 $5,876 3.04%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 80 $25,470,000 $318,375 $4,240 2.69%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 99 $24,675,000 $249,242 $5,796 3.15%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 94 $23,830,000 $253,511 $4,744 2.94%
MEDFORD, OR (FHA|USDA|VA) 82 $23,200,000 $282,927 $5,146 2.93%
COLORADO SPRINGS, CO (FHA|USDA|VA) 77 $22,775,000 $295,779 $4,487 2.91%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 93 $22,615,000 $243,172 $5,509 3.07%
WORCESTER, MA-CT (FHA|USDA|VA) 81 $21,365,000 $263,765 $3,692 2.95%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 64 $20,090,000 $313,906 $4,553 2.74%
PORT ST. LUCIE, FL (FHA|USDA|VA) 76 $20,070,000 $264,079 $6,823 2.98%
Newport, OR (FHA|USDA|VA) 71 $19,905,000 $280,352 $6,608 2.83%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 75 $19,155,000 $255,400 $3,888 2.96%
Ukiah, CA (FHA|USDA|VA) 57 $18,275,000 $320,614 $4,945 2.87%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 101 $18,255,000 $180,743 $2,916 3.09%
ALBUQUERQUE, NM (FHA|USDA|VA) 71 $17,595,000 $247,817 $4,528 2.94%
BEND, OR (FHA|USDA|VA) 52 $17,190,000 $330,577 $6,339 2.80%
SALEM, OR (FHA|USDA|VA) 57 $16,915,000 $296,754 $6,628 2.87%
RICHMOND, VA (FHA|USDA|VA) 75 $16,875,000 $225,000 $4,936 2.78%
BOISE CITY, ID (FHA|USDA|VA) 50 $16,580,000 $331,600 $4,943 3.02%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 65 $15,565,000 $239,462 $5,079 3.07%
NAPA, CA (FHA|USDA|VA) 33 $15,545,000 $471,061 $4,437 2.88%
YAKIMA, WA (FHA|USDA|VA) 60 $15,400,000 $256,667 $6,611 2.81%
RALEIGH-CARY, NC (FHA|USDA|VA) 51 $15,275,000 $299,510 $3,147 2.90%
FORT COLLINS, CO (FHA|USDA|VA) 48 $15,190,000 $316,458 $3,648 2.86%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 90 $15,010,000 $166,778 $5,208 3.22%
MERCED, CA (FHA|USDA|VA) 55 $14,025,000 $255,000 $4,566 2.96%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 67 $13,955,000 $208,284 $2,935 3.01%
Klamath Falls, OR (FHA|USDA|VA) 64 $13,590,000 $212,344 $5,865 2.91%
ST. LOUIS, MO-IL (FHA|USDA|VA) 59 $13,065,000 $221,441 $3,192 2.94%
JACKSONVILLE, FL (FHA|USDA|VA) 38 $12,900,000 $339,474 $6,693 2.84%
ALBANY-LEBANON, OR (FHA|USDA|VA) 45 $12,195,000 $271,000 $5,558 2.79%
Coos Bay, OR (FHA|USDA|VA) 48 $12,180,000 $253,750 $6,247 3.10%
BOULDER, CO (FHA|USDA|VA) 28 $12,070,000 $431,071 $4,775 2.85%
Clearlake, CA (FHA|USDA|VA) 44 $11,870,000 $269,773 $5,944 3.07%
GREELEY, CO (FHA|USDA|VA) 36 $11,780,000 $327,222 $4,749 2.79%
Hilo, HI (FHA|USDA|VA) 29 $11,725,000 $404,310 $6,767 2.79%
SAVANNAH, GA (FHA|USDA|VA) 46 $11,590,000 $251,957 $7,063 3.00%
PITTSBURGH, PA (FHA|USDA|VA) 60 $11,540,000 $192,333 $6,460 2.84%
BILLINGS, MT (FHA|USDA|VA) 45 $11,405,000 $253,444 $4,934 2.88%
Hermiston-Pendleton, OR (FHA|USDA|VA) 45 $10,835,000 $240,778 $4,359 2.92%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 45 $10,565,000 $234,778 $4,285 2.87%
CHICO, CA (FHA|USDA|VA) 38 $10,130,000 $266,579 $4,048 2.96%
LYNCHBURG, VA (FHA|USDA|VA) 55 $10,075,000 $183,182 $3,813 2.65%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 18 $10,050,000 $558,333 $11,073 2.89%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 46 $10,030,000 $218,043 $5,770 2.99%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 41 $10,025,000 $244,512 $4,259 2.85%
WALLA WALLA, WA (FHA|USDA|VA) 36 $9,720,000 $270,000 $3,074 2.78%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 36 $9,480,000 $263,333 $4,369 2.82%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 33 $8,955,000 $271,364 $4,078 3.09%
BRUNSWICK, GA (FHA|USDA|VA) 28 $8,850,000 $316,071 $6,085 2.80%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 36 $8,710,000 $241,944 $5,264 2.92%
MUSKEGON, MI (FHA|USDA|VA) 53 $8,395,000 $158,396 $3,465 3.24%
REDDING, CA (FHA|USDA|VA) 36 $8,350,000 $231,944 $5,391 3.09%
OCEAN CITY, NJ (FHA|USDA|VA) 27 $8,345,000 $309,074 $6,995 2.82%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 47 $8,275,000 $176,064 $3,977 3.11%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 34 $8,180,000 $240,588 $4,025 2.79%
Truckee-Grass Valley, CA (FHA|USDA|VA) 17 $8,055,000 $473,824 $6,947 2.89%
YUBA CITY, CA (FHA|USDA|VA) 32 $8,040,000 $251,250 $5,440 2.71%
TYLER, TX (FHA|USDA|VA) 38 $7,970,000 $209,737 $6,078 2.87%
KNOXVILLE, TN (FHA|USDA|VA) 30 $7,580,000 $252,667 $4,044 3.03%
MADERA, CA (FHA|USDA|VA) 29 $7,445,000 $256,724 $4,507 2.84%
Durango, CO (FHA|USDA|VA) 24 $7,190,000 $299,583 $4,966 2.87%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 25 $7,145,000 $285,800 $6,599 2.85%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 19 $6,765,000 $356,053 $5,325 2.91%
EAST STROUDSBURG, PA (FHA|USDA|VA) 36 $6,720,000 $186,667 $6,189 2.92%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 26 $6,650,000 $255,769 $5,195 2.98%
WILLIAMSPORT, PA (FHA|USDA|VA) 38 $6,620,000 $174,211 $4,595 2.93%
EL CENTRO, CA (FHA|USDA|VA) 36 $6,550,000 $181,944 $4,091 2.84%
COLUMBUS, OH (FHA|USDA|VA) 33 $6,325,000 $191,667 $3,984 2.89%
VISALIA, CA (FHA|USDA|VA) 29 $6,125,000 $211,207 $4,679 2.82%
Sonora, CA (FHA|USDA|VA) 21 $5,745,000 $273,571 $4,241 2.99%
SPRINGFIELD, MA (FHA|USDA|VA) 23 $5,705,000 $248,043 $4,967 2.91%
STATE COLLEGE, PA (FHA|USDA|VA) 22 $5,650,000 $256,818 $5,836 2.87%
GRANTS PASS, OR (FHA|USDA|VA) 22 $5,470,000 $248,636 $3,483 3.02%
VALDOSTA, GA (FHA|USDA|VA) 19 $5,465,000 $287,632 $4,745 2.95%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 17 $5,395,000 $317,353 $4,451 2.64%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 21 $5,205,000 $247,857 $6,027 2.77%
Pullman, WA (FHA|USDA|VA) 18 $5,040,000 $280,000 $3,237 2.94%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 18 $5,040,000 $280,000 $6,497 2.81%
ASHEVILLE, NC (FHA|USDA|VA) 20 $4,990,000 $249,500 $5,403 2.70%
KANSAS CITY, MO-KS (FHA|USDA|VA) 24 $4,900,000 $204,167 $3,765 2.92%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 17 $4,835,000 $284,412 $4,982 2.91%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 20 $4,780,000 $239,000 $5,730 3.05%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 21 $4,665,000 $222,143 $5,562 3.06%
Roseburg, OR (FHA|USDA|VA) 20 $4,620,000 $231,000 $6,031 2.82%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 14 $4,450,000 $317,857 $4,892 3.01%
LAFAYETTE, LA (FHA|USDA|VA) 25 $4,445,000 $177,800 $5,573 2.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 13 $4,425,000 $340,385 $4,137 3.04%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 19 $4,405,000 $231,842 $5,012 2.95%
RENO, NV (FHA|USDA|VA) 10 $4,360,000 $436,000 $5,462 2.91%
WICHITA, KS (FHA|USDA|VA) 18 $4,160,000 $231,111 $3,245 2.61%
HARRISONBURG, VA (FHA|USDA|VA) 16 $3,920,000 $245,000 $4,804 2.91%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 14 $3,890,000 $277,857 $3,125 2.95%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 17 $3,785,000 $222,647 $4,021 3.07%
CORVALLIS, OR (FHA|USDA|VA) 12 $3,760,000 $313,333 $4,722 2.95%
Concord, NH (FHA|USDA|VA) 15 $3,695,000 $246,333 $3,610 2.69%
GAINESVILLE, GA (FHA|USDA|VA) 15 $3,675,000 $245,000 $7,355 3.04%
FARMINGTON, NM (FHA|USDA|VA) 20 $3,510,000 $175,500 $3,767 2.93%
TWIN FALLS, ID (FHA|USDA|VA) 16 $3,510,000 $219,375 $4,906 3.04%
Morehead City, NC (FHA|USDA|VA) 12 $3,500,000 $291,667 $3,445 2.75%
Taos, NM (FHA|USDA|VA) 13 $3,445,000 $265,000 $4,032 2.91%
ANN ARBOR, MI (FHA|USDA|VA) 20 $3,360,000 $168,000 $2,297 3.06%
FAIRBANKS, AK (FHA|USDA|VA) 12 $3,310,000 $275,833 $4,947 2.76%
HUNTSVILLE, AL (FHA|USDA|VA) 13 $3,275,000 $251,923 $4,170 3.04%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 11 $3,275,000 $297,727 $5,068 2.84%
Key West, FL (FHA|USDA|VA) 7 $3,165,000 $452,143 $11,251 2.84%
EL PASO, TX (FHA|USDA|VA) 22 $3,140,000 $142,727 $4,935 3.09%
ABILENE, TX (FHA|USDA|VA) 13 $3,085,000 $237,308 $8,201 2.88%
IDAHO FALLS, ID (FHA|USDA|VA) 10 $3,040,000 $304,000 $4,645 2.90%
CORPUS CHRISTI, TX (FHA|USDA|VA) 18 $2,990,000 $166,111 $3,748 2.92%
Cedar City, UT (FHA|USDA|VA) 10 $2,990,000 $299,000 $4,023 2.86%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 12 $2,870,000 $239,167 $3,933 2.95%
TALLAHASSEE, FL (FHA|USDA|VA) 11 $2,845,000 $258,636 $5,561 2.95%
Hailey, ID (FHA|USDA|VA) 8 $2,830,000 $353,750 $3,889 2.97%
Kapaa, HI (FHA|USDA|VA) 5 $2,775,000 $555,000 $8,219 2.80%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 8 $2,720,000 $340,000 $6,578 2.92%
AMES, IA (FHA|USDA|VA) 18 $2,690,000 $149,444 $3,581 3.06%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 16 $2,660,000 $166,250 $2,957 3.16%
Orangeburg, SC (FHA|USDA|VA) 18 $2,660,000 $147,778 $4,374 2.54%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 10 $2,660,000 $266,000 $5,479 2.99%
OCALA, FL (FHA|USDA|VA) 15 $2,635,000 $175,667 $4,437 3.05%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 8 $2,630,000 $328,750 $4,542 2.89%
Sandpoint, ID (FHA|USDA|VA) 10 $2,560,000 $256,000 $3,976 3.06%
LONGVIEW, WA (FHA|USDA|VA) 9 $2,545,000 $282,778 $6,041 2.65%
SANTA FE, NM (FHA|USDA|VA) 7 $2,525,000 $360,714 $4,953 2.93%
Red Bluff, CA (FHA|USDA|VA) 12 $2,510,000 $209,167 $3,472 3.12%
Torrington, CT (FHA|USDA|VA) 11 $2,485,000 $225,909 $3,168 3.18%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 9 $2,475,000 $275,000 $6,357 2.94%
Prineville, OR (FHA|USDA|VA) 7 $2,475,000 $353,571 $8,479 3.02%
LANCASTER, PA (FHA|USDA|VA) 10 $2,450,000 $245,000 $4,890 2.73%
DALTON, GA (FHA|USDA|VA) 14 $2,430,000 $173,571 $4,937 2.64%
Lock Haven, PA (FHA|USDA|VA) 15 $2,425,000 $161,667 $4,378 3.02%
COLUMBIA, SC (FHA|USDA|VA) 8 $2,380,000 $297,500 $3,765 2.75%
ST. CLOUD, MN (FHA|USDA|VA) 12 $2,380,000 $198,333 $3,785 3.11%
LONGVIEW, TX (FHA|USDA|VA) 12 $2,370,000 $197,500 $5,445 2.70%
Oak Harbor, WA (FHA|USDA|VA) 5 $2,345,000 $469,000 $5,839 2.83%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 10 $2,320,000 $232,000 $4,955 2.71%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 10 $2,300,000 $230,000 $4,985 3.06%
Show Low, AZ (FHA|USDA|VA) 9 $2,235,000 $248,333 $4,698 2.61%
MADISON, WI (FHA|USDA|VA) 6 $2,230,000 $371,667 $3,509 2.93%
Edwards, CO (FHA|USDA|VA) 4 $2,170,000 $542,500 $4,557 2.75%
Kalispell, MT (FHA|USDA|VA) 4 $2,150,000 $537,500 $6,238 3.25%
READING, PA (FHA|USDA|VA) 10 $2,120,000 $212,000 $6,511 2.95%
DOTHAN, AL (FHA|USDA|VA) 12 $2,060,000 $171,667 $4,381 2.72%
TOLEDO, OH (FHA|USDA|VA) 11 $2,055,000 $186,818 $3,514 2.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 10 $2,040,000 $204,000 $4,539 2.76%
LIMA, OH (FHA|USDA|VA) 12 $2,030,000 $169,167 $4,704 2.79%
KANKAKEE, IL (FHA|USDA|VA) 11 $2,015,000 $183,182 $4,108 3.07%
Port Angeles, WA (FHA|USDA|VA) 6 $1,970,000 $328,333 $9,845 3.17%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 12 $1,950,000 $162,500 $3,060 2.76%
Bozeman, MT (FHA|USDA|VA) 6 $1,910,000 $318,333 $8,919 3.06%
NEW BERN, NC (FHA|USDA|VA) 10 $1,900,000 $190,000 $3,499 2.86%
Cañon City, CO (FHA|USDA|VA) 8 $1,900,000 $237,500 $6,412 2.91%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 8 $1,880,000 $235,000 $5,480 2.89%
PUEBLO, CO (FHA|USDA|VA) 7 $1,855,000 $265,000 $4,100 2.84%
Moscow, ID (FHA|USDA|VA) 7 $1,845,000 $263,571 $3,661 2.95%
YUMA, AZ (FHA|USDA|VA) 8 $1,810,000 $226,250 $5,988 2.92%
RAPID CITY, SD (FHA|USDA|VA) 8 $1,760,000 $220,000 $4,134 2.75%
Sevierville, TN (FHA|USDA|VA) 6 $1,740,000 $290,000 $4,422 3.37%
SHERMAN-DENISON, TX (FHA|USDA|VA) 6 $1,680,000 $280,000 $4,605 2.71%
JACKSONVILLE, NC (FHA|USDA|VA) 7 $1,665,000 $237,857 $4,553 3.02%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $1,665,000 $185,000 $4,770 2.99%
Granbury, TX (FHA|USDA|VA) 6 $1,640,000 $273,333 $5,791 3.21%
RACINE, WI (FHA|USDA|VA) 7 $1,595,000 $227,857 $2,326 3.29%
TULSA, OK (FHA|USDA|VA) 9 $1,575,000 $175,000 $5,199 3.17%
BELLINGHAM, WA (FHA|USDA|VA) 4 $1,560,000 $390,000 $2,950 2.56%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,555,000 $311,000 $6,679 3.23%
GRAND JUNCTION, CO (FHA|USDA|VA) 5 $1,545,000 $309,000 $3,224 2.78%
WENATCHEE, WA (FHA|USDA|VA) 5 $1,535,000 $307,000 $5,290 2.63%
Payson, AZ (FHA|USDA|VA) 5 $1,525,000 $305,000 $4,210 2.92%
Spirit Lake, IA (FHA|USDA|VA) 7 $1,515,000 $216,429 $4,881 2.48%
SPARTANBURG, SC (FHA|USDA|VA) 7 $1,505,000 $215,000 $2,400 3.16%
JOHNSON CITY, TN (FHA|USDA|VA) 8 $1,490,000 $186,250 $3,681 2.86%
Easton, MD (FHA|USDA|VA) 4 $1,490,000 $372,500 $4,350 2.94%
OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $1,480,000 $185,000 $3,557 3.16%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $1,470,000 $245,000 $4,429 2.77%
ALBANY, GA (FHA|USDA|VA) 8 $1,460,000 $182,500 $3,427 2.44%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 7 $1,415,000 $202,143 $3,616 2.82%
St. Marys, GA (FHA|USDA|VA) 5 $1,405,000 $281,000 $4,584 2.85%
Glenwood Springs, CO (FHA|USDA|VA) 5 $1,395,000 $279,000 $6,583 2.93%
Eureka-Arcata, CA (FHA|USDA|VA) 6 $1,390,000 $231,667 $4,416 3.06%
Rexburg, ID (FHA|USDA|VA) 4 $1,380,000 $345,000 $4,117 3.06%
Helena, MT (FHA|USDA|VA) 6 $1,360,000 $226,667 $3,277 2.92%
Beaver Dam, WI (FHA|USDA|VA) 5 $1,355,000 $271,000 $4,531 3.00%
EVANSVILLE, IN-KY (FHA|USDA|VA) 7 $1,335,000 $190,714 $3,448 3.30%
Montrose, CO (FHA|USDA|VA) 5 $1,335,000 $267,000 $3,754 2.60%
Butte-Silver Bow, MT (FHA|USDA|VA) 6 $1,300,000 $216,667 $3,524 3.23%
Centralia, WA (FHA|USDA|VA) 4 $1,270,000 $317,500 $5,670 3.31%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,894 2.93%
FOND DU LAC, WI (FHA|USDA|VA) 6 $1,260,000 $210,000 $3,932 3.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $1,250,000 $208,333 $2,265 3.21%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,230,000 $205,000 $6,791 2.67%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 7 $1,215,000 $173,571 $5,824 2.73%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 5 $1,205,000 $241,000 $5,506 2.65%
Shelton, WA (FHA|USDA|VA) 4 $1,200,000 $300,000 $4,930 2.88%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $1,195,000 $239,000 $4,953 3.05%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 5 $1,195,000 $239,000 $3,417 3.45%
Eufaula, AL-GA (FHA|USDA|VA) 6 $1,180,000 $196,667 $4,380 2.98%
Brainerd, MN (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,277 3.53%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,170,000 $195,000 $6,697 3.00%
Seymour, IN (FHA|USDA|VA) 8 $1,150,000 $143,750 $3,663 3.47%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,140,000 $285,000 $6,367 2.75%
Brookings, OR (FHA|USDA|VA) 3 $1,135,000 $378,333 $5,894 2.96%
Ruidoso, NM (FHA|USDA|VA) 5 $1,135,000 $227,000 $4,426 3.18%
MONROE, MI (FHA|USDA|VA) 5 $1,115,000 $223,000 $3,969 2.98%
POCATELLO, ID (FHA|USDA|VA) 6 $1,100,000 $183,333 $4,437 3.37%
Vernal, UT (FHA|USDA|VA) 6 $1,090,000 $181,667 $4,531 2.56%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $1,090,000 $272,500 $5,528 2.84%
Georgetown, SC (FHA|USDA|VA) 4 $1,060,000 $265,000 $5,855 2.44%
LEWISTON, ID-WA (FHA|USDA|VA) 4 $1,050,000 $262,500 $6,030 3.09%
CUMBERLAND, MD-WV (FHA|USDA|VA) 7 $1,015,000 $145,000 $4,186 2.84%
The Dalles, OR (FHA|USDA|VA) 5 $1,015,000 $203,000 $4,062 2.67%
LAS CRUCES, NM (FHA|USDA|VA) 6 $1,000,000 $166,667 $4,416 2.73%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $990,000 $247,500 $3,190 3.34%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $970,000 $242,500 $3,893 3.47%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $960,000 $240,000 $3,478 2.87%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $950,000 $237,500 $4,282 2.72%
Seneca, SC (FHA|USDA|VA) 4 $940,000 $235,000 $2,056 2.90%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 4 $930,000 $232,500 $3,089 3.22%
LAKE CHARLES, LA (FHA|USDA|VA) 4 $920,000 $230,000 $7,024 2.97%
TUSCALOOSA, AL (FHA|USDA|VA) 4 $890,000 $222,500 $3,457 2.97%
Moses Lake, WA (FHA|USDA|VA) 3 $875,000 $291,667 $3,533 3.21%
WILMINGTON, NC (FHA|USDA|VA) 5 $875,000 $175,000 $2,681 2.73%
Faribault-Northfield, MN (FHA|USDA|VA) 4 $860,000 $215,000 $4,327 2.72%
Cornelia, GA (FHA|USDA|VA) 5 $855,000 $171,000 $5,622 2.70%
WACO, TX (FHA|USDA|VA) 3 $845,000 $281,667 $4,775 3.04%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 4 $840,000 $210,000 $3,954 3.03%
ALEXANDRIA, LA (FHA|USDA|VA) 3 $835,000 $278,333 $9,506 3.54%
Athens, TX (FHA|USDA|VA) 3 $835,000 $278,333 $6,587 3.00%
Ketchikan, AK (FHA|USDA|VA) 2 $830,000 $415,000 $8,508 2.62%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 5 $825,000 $165,000 $4,688 3.33%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $815,000 $271,667 $6,025 2.63%
COLUMBUS, IN (FHA|USDA|VA) 4 $810,000 $202,500 $4,317 3.13%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $810,000 $202,500 $4,748 3.03%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $805,000 $268,333 $1,805 2.96%
SPRINGFIELD, MO (FHA|USDA|VA) 5 $805,000 $161,000 $2,873 3.03%
Scottsburg, IN (FHA|USDA|VA) 4 $800,000 $200,000 $3,256 3.41%
ROCKFORD, IL (FHA|USDA|VA) 6 $800,000 $133,333 $3,420 2.92%
DOVER, DE (FHA|USDA|VA) 4 $780,000 $195,000 $5,876 3.16%
Pottsville, PA (FHA|USDA|VA) 5 $775,000 $155,000 $6,161 2.95%
Holland, MI (FHA|USDA|VA) 4 $770,000 $192,500 $3,407 2.56%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $770,000 $192,500 $5,351 2.56%
Adrian, MI (FHA|USDA|VA) 4 $770,000 $192,500 $2,876 3.31%
Laconia, NH (FHA|USDA|VA) 3 $765,000 $255,000 $3,218 3.08%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $760,000 $126,667 $3,277 3.08%
La Grande, OR (FHA|USDA|VA) 4 $750,000 $187,500 $6,185 2.81%
Jefferson, GA (FHA|USDA|VA) 3 $745,000 $248,333 $8,034 3.17%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $740,000 $185,000 $5,428 3.03%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $735,000 $245,000 $4,958 2.42%
Elizabeth City, NC (FHA|USDA|VA) 3 $725,000 $241,667 $5,495 2.67%
Milledgeville, GA (FHA|USDA|VA) 3 $725,000 $241,667 $5,379 2.63%
Cullowhee, NC (FHA|USDA|VA) 3 $725,000 $241,667 $7,132 2.79%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 4 $720,000 $180,000 $3,180 2.97%
WARNER ROBINS, GA (FHA|USDA|VA) 5 $675,000 $135,000 $4,776 2.82%
Traverse City, MI (FHA|USDA|VA) 3 $655,000 $218,333 $3,540 2.96%
Fernley, NV (FHA|USDA|VA) 3 $655,000 $218,333 $5,200 2.79%
OWENSBORO, KY (FHA|USDA|VA) 3 $645,000 $215,000 $4,345 3.21%
Forest City, NC (FHA|USDA|VA) 3 $645,000 $215,000 $2,621 3.13%
Price, UT (FHA|USDA|VA) 2 $640,000 $320,000 $7,214 3.25%
FLINT, MI (FHA|USDA|VA) 3 $635,000 $211,667 $2,032 3.21%
Crescent City, CA (FHA|USDA|VA) 3 $635,000 $211,667 $5,255 2.71%
Tupelo, MS (FHA|USDA|VA) 3 $635,000 $211,667 $11,002 2.50%
Okeechobee, FL (FHA|USDA|VA) 2 $630,000 $315,000 $6,980 3.25%
GREEN BAY, WI (FHA|USDA|VA) 4 $620,000 $155,000 $2,404 3.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $615,000 $205,000 $4,036 3.00%
DUBUQUE, IA (FHA|USDA|VA) 1 $615,000 $615,000 $4,555 2.88%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $600,000 $300,000 $2,865 3.00%
Albemarle, NC (FHA|USDA|VA) 2 $590,000 $295,000 $4,751 3.50%
BLOOMINGTON, IL (FHA|USDA|VA) 3 $585,000 $195,000 $3,613 2.71%
Astoria, OR (FHA|USDA|VA) 3 $575,000 $191,667 $1,829 3.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $570,000 $142,500 $4,656 2.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $570,000 $285,000 $3,218 3.38%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $550,000 $275,000 $2,051 2.56%
Thomasville, GA (FHA|USDA|VA) 1 $545,000 $545,000 $10,577 2.25%
MORGANTOWN, WV (FHA|USDA|VA) 3 $545,000 $181,667 $3,014 2.92%
Madison, IN (FHA|USDA|VA) 3 $545,000 $181,667 $3,448 4.04%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $545,000 $545,000 $2,267 2.63%
DULUTH, MN-WI (FHA|USDA|VA) 1 $545,000 $545,000 $2,625 2.38%
Grand Rapids, MN (FHA|USDA|VA) 1 $545,000 $545,000 $1,786 2.99%
Sayre, PA (FHA|USDA|VA) 2 $540,000 $270,000 $4,339 2.56%
Ellensburg, WA (FHA|USDA|VA) 2 $540,000 $270,000 $5,995 2.94%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $535,000 $178,333 $3,688 2.83%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $520,000 $260,000 $5,598 3.19%
Troy, AL (FHA|USDA|VA) 1 $515,000 $515,000 $9,324 2.99%
Sunbury, PA (FHA|USDA|VA) 2 $510,000 $255,000 $4,914 3.56%
Breckenridge, CO (FHA|USDA|VA) 2 $490,000 $245,000 $2,675 3.13%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $485,000 $485,000 $6,030 2.50%
ROCHESTER, MN (FHA|USDA|VA) 1 $485,000 $485,000 $4,211 3.13%
Vineyard Haven, MA (FHA|USDA|VA) 1 $485,000 $485,000 $0 3.25%
Ozark, AL (FHA|USDA|VA) 4 $480,000 $120,000 $4,082 2.75%
Alexander City, AL (FHA|USDA|VA) 1 $475,000 $475,000 $3,625 2.38%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $475,000 $158,333 $5,266 3.00%
Lebanon, NH-VT (FHA|USDA|VA) 2 $470,000 $235,000 $2,874 3.00%
JACKSON, MS (FHA|USDA|VA) 2 $470,000 $235,000 $2,229 2.81%
Rock Springs, WY (FHA|USDA|VA) 2 $470,000 $235,000 $2,773 3.31%
Uvalde, TX (FHA|USDA|VA) 1 $465,000 $465,000 $15,043 3.25%
LINCOLN, NE (FHA|USDA|VA) 3 $465,000 $155,000 $2,658 3.08%
Mount Pleasant, TX (FHA|USDA|VA) 2 $460,000 $230,000 $4,337 2.75%
LaGrange, GA-AL (FHA|USDA|VA) 1 $455,000 $455,000 $8,883 2.50%
BATON ROUGE, LA (FHA|USDA|VA) 2 $450,000 $225,000 $6,753 2.44%
Gainesville, TX (FHA|USDA|VA) 2 $450,000 $225,000 $5,185 2.75%
MONTGOMERY, AL (FHA|USDA|VA) 4 $450,000 $112,500 $3,527 3.16%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $445,000 $148,333 $3,578 3.42%
Keene, NH (FHA|USDA|VA) 3 $445,000 $148,333 $3,640 2.75%
Lufkin, TX (FHA|USDA|VA) 1 $435,000 $435,000 $5,213 2.63%
Whitewater, WI (FHA|USDA|VA) 3 $435,000 $145,000 $2,504 2.83%
Berlin, NH (FHA|USDA|VA) 1 $435,000 $435,000 $3,978 2.25%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $420,000 $210,000 $1,986 2.50%
Arcadia, FL (FHA|USDA|VA) 2 $420,000 $210,000 $2,440 3.25%
NILES, MI (FHA|USDA|VA) 2 $420,000 $210,000 $2,830 2.50%
MIDLAND, TX (FHA|USDA|VA) 2 $410,000 $205,000 $4,587 2.56%
ROANOKE, VA (FHA|USDA|VA) 2 $410,000 $205,000 $2,046 2.81%
HINESVILLE, GA (FHA|USDA|VA) 2 $410,000 $205,000 $3,902 3.06%
MORRISTOWN, TN (FHA|USDA|VA) 2 $410,000 $205,000 $4,665 2.75%
Blackfoot, ID (FHA|USDA|VA) 1 $405,000 $405,000 $10,200 2.63%
ALTOONA, PA (FHA|USDA|VA) 3 $405,000 $135,000 $4,637 3.13%
Carlsbad-Artesia, NM (FHA|USDA|VA) 3 $405,000 $135,000 $3,085 2.71%
New Castle, PA (FHA|USDA|VA) 3 $405,000 $135,000 $4,884 3.63%
North Vernon, IN (FHA|USDA|VA) 2 $400,000 $200,000 $5,433 3.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $400,000 $200,000 $4,691 2.81%
FARGO, ND-MN (FHA|USDA|VA) 2 $400,000 $200,000 $2,169 2.75%
Thomaston, GA (FHA|USDA|VA) 3 $395,000 $131,667 $4,815 2.33%
Augusta-Waterville, ME (FHA|USDA|VA) 3 $395,000 $131,667 $2,877 2.71%
DuBois, PA (FHA|USDA|VA) 2 $390,000 $195,000 $7,709 2.63%
GREENVILLE, NC (FHA|USDA|VA) 2 $390,000 $195,000 $2,281 2.88%
Los Alamos, NM (FHA|USDA|VA) 1 $385,000 $385,000 $5,013 2.88%
Elko, NV (FHA|USDA|VA) 1 $375,000 $375,000 $4,151 2.88%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $365,000 $365,000 $10,501 2.25%
Guymon, OK (FHA|USDA|VA) 1 $365,000 $365,000 $7,154 2.75%
Steamboat Springs, CO (FHA|USDA|VA) 1 $365,000 $365,000 $4,570 3.13%
Palestine, TX (FHA|USDA|VA) 1 $365,000 $365,000 $5,512 2.88%
Brenham, TX (FHA|USDA|VA) 1 $365,000 $365,000 $11,919 2.25%
Gallup, NM (FHA|USDA|VA) 2 $360,000 $180,000 $3,288 2.68%
Bogalusa, LA (FHA|USDA|VA) 1 $355,000 $355,000 $7,976 2.99%
Kerrville, TX (FHA|USDA|VA) 1 $355,000 $355,000 $3,407 2.25%
Laramie, WY (FHA|USDA|VA) 2 $350,000 $175,000 $4,853 2.56%
Duncan, OK (FHA|USDA|VA) 1 $345,000 $345,000 $0 4.25%
STAUNTON, VA (FHA|USDA|VA) 1 $345,000 $345,000 $1,370 2.75%
Pahrump, NV (FHA|USDA|VA) 2 $340,000 $170,000 $1,622 3.18%
Selinsgrove, PA (FHA|USDA|VA) 1 $335,000 $335,000 $6,504 3.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $330,000 $165,000 $2,999 3.38%
Ontario, OR-ID (FHA|USDA|VA) 2 $330,000 $165,000 $5,073 3.06%
Celina, OH (FHA|USDA|VA) 2 $330,000 $165,000 $4,252 3.44%
Waycross, GA (FHA|USDA|VA) 2 $330,000 $165,000 $5,620 2.75%
APPLETON, WI (FHA|USDA|VA) 1 $315,000 $315,000 $7,836 3.75%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $315,000 $315,000 $3,012 2.50%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $315,000 $315,000 $3,763 2.50%
GETTYSBURG, PA (FHA|USDA|VA) 2 $310,000 $155,000 $12,223 2.88%
GAINESVILLE, FL (FHA|USDA|VA) 2 $310,000 $155,000 $6,876 3.44%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $305,000 $305,000 $3,072 2.88%
Charleston-Mattoon, IL (FHA|USDA|VA) 4 $300,000 $75,000 $2,328 3.66%
Menomonie, WI (FHA|USDA|VA) 2 $300,000 $150,000 $2,655 2.94%
Douglas, GA (FHA|USDA|VA) 2 $300,000 $150,000 $4,035 3.00%
JACKSON, MI (FHA|USDA|VA) 1 $295,000 $295,000 $2,236 3.38%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $295,000 $295,000 $4,441 2.25%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $295,000 $295,000 $6,603 2.99%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $290,000 $145,000 $3,980 2.88%
Fort Morgan, CO (FHA|USDA|VA) 1 $285,000 $285,000 $1,373 3.50%
MANHATTAN, KS (FHA|USDA|VA) 1 $285,000 $285,000 $3,205 2.99%
LAREDO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $6,070 1.88%
Chillicothe, OH (FHA|USDA|VA) 1 $275,000 $275,000 $2,161 3.25%
TOPEKA, KS (FHA|USDA|VA) 2 $270,000 $135,000 $3,358 2.69%
Fort Polk South, LA (FHA|USDA|VA) 1 $265,000 $265,000 $4,113 2.50%
Burley, ID (FHA|USDA|VA) 1 $265,000 $265,000 $3,982 3.38%
Opelousas, LA (FHA|USDA|VA) 1 $255,000 $255,000 $3,382 3.13%
Española, NM (FHA|USDA|VA) 1 $255,000 $255,000 $9,131 2.50%
Richmond-Berea, KY (FHA|USDA|VA) 1 $255,000 $255,000 $6,905 2.75%
Mountain Home, ID (FHA|USDA|VA) 1 $255,000 $255,000 $2,807 3.63%
Defiance, OH (FHA|USDA|VA) 2 $250,000 $125,000 $2,582 2.81%
MOBILE, AL (FHA|USDA|VA) 2 $250,000 $125,000 $2,487 3.00%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $250,000 $125,000 $1,736 2.88%
Pella, IA (FHA|USDA|VA) 1 $245,000 $245,000 $4,719 2.75%
Hillsdale, MI (FHA|USDA|VA) 1 $245,000 $245,000 $1,881 2.38%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $245,000 $245,000 $2,637 2.25%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $245,000 $245,000 $5,633 3.25%
Huntingdon, PA (FHA|USDA|VA) 1 $235,000 $235,000 $6,507 2.50%
Stephenville, TX (FHA|USDA|VA) 1 $235,000 $235,000 $10,442 3.25%
THE VILLAGES, FL (FHA|USDA|VA) 1 $235,000 $235,000 $8,756 3.00%
SUMTER, SC (FHA|USDA|VA) 1 $235,000 $235,000 $2,399 2.38%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $235,000 $235,000 $2,733 2.25%
Durant, OK (FHA|USDA|VA) 1 $235,000 $235,000 $3,972 2.63%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $230,000 $115,000 $4,096 3.06%
Boone, NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.50%
Cambridge, MD (FHA|USDA|VA) 1 $225,000 $225,000 $10,761 2.63%
AMARILLO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,991 3.50%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.25%
Sterling, CO (FHA|USDA|VA) 1 $215,000 $215,000 $3,492 2.75%
LEBANON, PA (FHA|USDA|VA) 1 $215,000 $215,000 $5,412 2.38%
DECATUR, AL (FHA|USDA|VA) 2 $210,000 $105,000 $4,718 3.12%
BURLINGTON, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.88%
Statesboro, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,275 2.75%
Bonham, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,051 2.88%
Harrison, AR (FHA|USDA|VA) 1 $205,000 $205,000 $6,401 3.38%
PEORIA, IL (FHA|USDA|VA) 2 $200,000 $100,000 $2,509 2.94%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $1,628 4.38%
CHARLESTON, WV (FHA|USDA|VA) 1 $195,000 $195,000 $3,483 2.75%
Sweetwater, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,932 3.13%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $195,000 $195,000 $9,117 2.88%
Dumas, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,240 2.25%
Lake City, FL (FHA|USDA|VA) 1 $185,000 $185,000 $7,373 1.75%
Meridian, MS (FHA|USDA|VA) 1 $185,000 $185,000 $2,934 2.13%
Juneau, AK (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.25%
Hood River, OR (FHA|USDA|VA) 1 $185,000 $185,000 $3,040 2.63%
GOLDSBORO, NC (FHA|USDA|VA) 1 $185,000 $185,000 $1,899 2.75%
Dickinson, ND (FHA|USDA|VA) 1 $185,000 $185,000 $3,104 2.88%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $185,000 $185,000 $7,668 2.99%
Washington Court House, OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,842 2.99%
Alexandria, MN (FHA|USDA|VA) 1 $185,000 $185,000 $8,281 2.88%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $6,035 2.75%
HATTIESBURG, MS (FHA|USDA|VA) 1 $175,000 $175,000 $5,106 3.63%
Zanesville, OH (FHA|USDA|VA) 1 $175,000 $175,000 $2,622 2.38%
Kirksville, MO (FHA|USDA|VA) 1 $175,000 $175,000 $2,373 3.25%
AKRON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,296 2.63%
Hutchinson, MN (FHA|USDA|VA) 1 $175,000 $175,000 $2,039 3.25%
Fort Payne, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,383 2.38%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $165,000 $165,000 $5,666 2.99%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,600 3.63%
Clewiston, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,425 3.13%
ODESSA, TX (FHA|USDA|VA) 1 $165,000 $165,000 $9,912 2.75%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.38%
Aberdeen, WA (FHA|USDA|VA) 1 $155,000 $155,000 $3,164 2.50%
Oxford, MS (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.63%
Fergus Falls, MN (FHA|USDA|VA) 1 $155,000 $155,000 $4,781 3.13%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,018 2.75%
Atmore, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,566 2.63%
Shelby, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,592 2.88%
Selma, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,977 2.99%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,848 2.25%
Mount Pleasant, MI (FHA|USDA|VA) 1 $145,000 $145,000 $5,847 2.88%
MUNCIE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $2,538 3.25%
FLORENCE, SC (FHA|USDA|VA) 1 $145,000 $145,000 $2,132 2.25%
Bennington, VT (FHA|USDA|VA) 1 $145,000 $145,000 $3,773 3.00%
Spencer, IA (FHA|USDA|VA) 1 $145,000 $145,000 $5,605 2.63%
Owatonna, MN (FHA|USDA|VA) 1 $135,000 $135,000 $2,396 3.38%
Jesup, GA (FHA|USDA|VA) 1 $135,000 $135,000 $7,013 3.25%
PITTSFIELD, MA (FHA|USDA|VA) 1 $135,000 $135,000 $5,279 1.75%
Altus, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,784 3.38%
Stevens Point, WI (FHA|USDA|VA) 1 $135,000 $135,000 $2,091 2.88%
Platteville, WI (FHA|USDA|VA) 1 $135,000 $135,000 $3,048 2.88%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $135,000 $135,000 $3,900 2.75%
Nogales, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $1,877 2.75%
Silver City, NM (FHA|USDA|VA) 1 $135,000 $135,000 $5,505 2.88%
Warrensburg, MO (FHA|USDA|VA) 1 $125,000 $125,000 $5,429 2.38%
Frankfort, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,703 4.25%
Van Wert, OH (FHA|USDA|VA) 1 $125,000 $125,000 $4,083 3.50%
Wilson, NC (FHA|USDA|VA) 1 $125,000 $125,000 $5,489 2.88%
Maryville, MO (FHA|USDA|VA) 1 $115,000 $115,000 $1,149 2.88%
Paris, TN (FHA|USDA|VA) 1 $115,000 $115,000 $4,399 3.38%
Ottumwa, IA (FHA|USDA|VA) 1 $115,000 $115,000 $4,047 2.00%
Jacksonville, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,718 2.88%
MONROE, LA (FHA|USDA|VA) 1 $115,000 $115,000 $4,146 2.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $115,000 $115,000 $2,386 3.00%
Bardstown, KY (FHA|USDA|VA) 1 $105,000 $105,000 $4,177 3.38%
Fremont, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,319 3.25%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $105,000 $105,000 $3,406 2.38%
McComb, MS (FHA|USDA|VA) 1 $105,000 $105,000 $2,076 2.88%
Rolla, MO (FHA|USDA|VA) 1 $105,000 $105,000 $1,978 2.75%
JONESBORO, AR (FHA|USDA|VA) 1 $105,000 $105,000 $2,091 2.88%
ROME, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.38%
Marion, NC (FHA|USDA|VA) 1 $105,000 $105,000 $4,318 4.75%
Mayfield, KY (FHA|USDA|VA) 1 $95,000 $95,000 $3,592 3.00%
Liberal, KS (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.50%
Findlay, OH (FHA|USDA|VA) 1 $95,000 $95,000 $2,679 4.00%
DANVILLE, IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,348 2.50%
Lewisburg, PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,098 3.99%
BISMARCK, ND (FHA|USDA|VA) 1 $85,000 $85,000 $3,921 2.88%
Fairmont, MN (FHA|USDA|VA) 1 $85,000 $85,000 $1,955 3.25%
Othello, WA (FHA|USDA|VA) 1 $85,000 $85,000 $1,196 2.88%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,977 3.25%
Danville, VA (FHA|USDA|VA) 1 $85,000 $85,000 $4,151 3.99%
Corsicana, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.63%
Glasgow, KY (FHA|USDA|VA) 1 $75,000 $75,000 $3,089 4.38%
Dixon, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,251 3.63%
Cedartown, GA (FHA|USDA|VA) 1 $75,000 $75,000 $4,830 3.38%
Paris, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.99%
Bainbridge, GA (FHA|USDA|VA) 1 $65,000 $65,000 $4,677 2.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $65,000 $65,000 $3,323 2.75%
Taylorville, IL (FHA|USDA|VA) 1 $65,000 $65,000 $1,966 3.99%
COLUMBIA, MO (FHA|USDA|VA) 1 $65,000 $65,000 $2,628 2.25%

Stearns Lending 's top markets include Los Angeles, San Francisco, Riverside, San Diego, and San Jose among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 24,193 $8,320,195,000 $343,909 $4,631 2.92%
FHA 1,500 $424,610,000 $283,073 $9,375 2.90%
VA 1,148 $419,000,000 $364,983 $6,458 2.53%
USDA 269 $58,585,000 $217,788 $6,045 2.83%

For the 2021 period, Stearns Lending 's most frequently originated loan type of loans were Conventional, with 24,193 originations. Their 2nd most popular type is FHA, with 1,500 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 12,024 $4,041,620,000 $336,129 $4,184 2.76%
Home Purchase 7,868 $2,762,620,000 $351,121 $6,459 2.98%
Cash Out Refi 7,218 $2,418,150,000 $335,017 $4,820 3.04%

For the 2021, Stearns Lending 's most frequently cited loan purpose of loans were Refi, with 12,024 originations. The 2nd most popular reason of loans were Home Purchase, with 7,868 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 23,005 $8,194,455,000 $356,203 $5,214 2.98%
15 Year 2,859 $718,035,000 $251,149 $3,829 2.36%
20 Year 910 $237,660,000 $261,165 $4,127 2.78%
10 Year 172 $30,950,000 $179,942 $3,349 2.13%
Other 147 $41,165,000 $280,034 $4,105 2.90%
3 Year 16 $120,000 $7,500 $0 0.00%
5 Year 1 $5,000 $5,000 $0 0.00%

For the 2021, Stearns Lending 's most frequently cited loan length of loans were 30 Year, with 23,005 originations. The 2nd most popular length of loans were 15 Year, with 2,859 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 12,862 $4,440,080,000 $345,209
$<1k 4,356 $1,268,310,000 $291,164
$5k+ 3,021 $1,419,445,000 $469,859
$3k-4k 2,585 $808,895,000 $312,919
$2k-3k 2,067 $639,745,000 $309,504

$5,214 of loans were Stearns Lending 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 12,862 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 13,886 $4,876,880,000 $351,208
3-4% 7,991 $2,785,605,000 $348,593
<2.5% 4,942 $1,478,710,000 $299,213
4-5% 291 $81,195,000 $279,021

During 2021, Stearns Lending 's average interest rate of loans were 2.98%, while their most frequently originated rate bucket of loans were 2.5-3%, with 13,886 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 12,747 $3,717,535,000 $291,640 $4,757 2.89%
$400k-600k 6,065 $2,935,765,000 $484,050 $5,595 2.89%
$100k-200k 5,438 $848,340,000 $156,002 $3,773 2.90%
$600k-1MM 1,921 $1,402,125,000 $729,893 $7,822 3.04%
$100,000 or less 722 $52,490,000 $72,701 $3,282 2.70%
$1MM+ 217 $266,135,000 $1,226,429 $11,850 3.00%

2021 saw Stearns Lending place emphasis on $200k-400k loans with 12,747 originations, totaling $3,717,535,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 6,851 $2,508,745,000 $366,187 $5,048 2.89%
$50k-75k 5,294 $1,285,970,000 $242,911 $4,644 2.91%
$75k-100k 4,971 $1,516,365,000 $305,042 $4,907 2.90%
$150k-250k 4,895 $2,158,775,000 $441,016 $5,428 2.90%
$50k or less 2,499 $429,265,000 $171,775 $4,193 2.95%
$250k+ 2,009 $1,122,045,000 $558,509 $6,674 2.95%

Stearns Lending lent most frequently to those with incomes in the $100k-150k range, with 6,851 originations. The second most popular income band? $50k-75k, with 5,294 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 6,347 $2,103,715,000 $331,450 $4,589 2.85%
30-36% 5,147 $1,773,705,000 $344,609 $4,991 2.93%
<20% 2,629 $788,025,000 $299,743 $4,142 2.77%
44% 1,131 $389,845,000 $344,691 $5,473 3.02%
42% 1,056 $370,010,000 $350,388 $5,073 2.98%
43% 1,018 $351,640,000 $345,422 $5,252 2.98%
39% 1,000 $363,670,000 $363,670 $5,156 2.99%
41% 1,000 $350,770,000 $350,770 $5,388 2.99%
40% 972 $340,500,000 $350,309 $5,274 2.98%
37% 949 $332,085,000 $349,932 $5,187 2.95%
38% 923 $324,445,000 $351,511 $5,146 2.96%
36% 903 $316,405,000 $350,393 $5,094 2.94%
45% 694 $245,680,000 $354,006 $5,569 2.94%
49% 660 $229,990,000 $348,470 $5,669 2.92%
48% 584 $208,810,000 $357,551 $5,589 2.93%
46% 570 $206,570,000 $362,404 $5,580 2.91%
47% 544 $193,130,000 $355,018 $5,602 2.95%
50-60% 377 $126,805,000 $336,353 $9,266 2.79%
>60% 12 $4,770,000 $397,500 $7,843 2.74%

Stearns Lending lent most frequently to those with DTI ratios of 20-30%, with 6,347 originations. The next most common DTI ratio? 30-36%, with 5,147 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 19,225 $6,254,845,000 $325,350 $4,931 2.90%
Not provided 4,020 $1,498,660,000 $372,801 $5,165 2.90%
Asian 2,548 $1,034,920,000 $406,170 $4,904 2.85%
Black 970 $305,810,000 $315,268 $6,022 2.97%
Native Hawaiian 112 $40,970,000 $365,804 $5,272 2.95%
American Indian 93 $26,635,000 $286,398 $5,529 3.00%
Asian Indian 39 $19,675,000 $504,487 $5,280 2.70%
Filipino 45 $18,365,000 $408,111 $7,098 2.79%
Chinese 16 $6,780,000 $423,750 $4,183 2.83%
Other Asian 16 $6,170,000 $385,625 $5,577 3.19%
Vietnamese 6 $3,130,000 $521,667 $7,197 3.02%
Other Pacific Islander 7 $2,275,000 $325,000 $5,621 3.05%
Japanese 7 $1,875,000 $267,857 $4,122 2.66%
Native Hawiian 2 $1,140,000 $570,000 $7,604 2.94%
Korean 3 $925,000 $308,333 $6,019 2.54%
Samoan 1 $215,000 $215,000 $2,013 3.63%

Approval Rates

Total approvals of all applications
88.67%

Stearns Lending has an average approval rate.

Pick Rate

Approvals leading to origination
87.84%

Stearns Lending has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 27,110 $9,222,390,000 $340,184

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
27,110 $9,222,390,000 $340,184

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 2,341 $619,845,000 $264,778 $3,673 2.72%
40-60% 6,269 $2,090,525,000 $333,470 $4,055 2.79%
60-80% 11,263 $4,069,005,000 $361,272 $4,911 2.98%
80-100% 6,689 $2,320,685,000 $346,940 $6,252 2.97%
Over 100% 190 $66,460,000 $349,789 $12,238 2.84%
Under 20% 356 $55,140,000 $154,888 $3,595 2.08%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Stearns Ventures, LLC Conventional home mortgage Trouble during payment process 7 53.8%
Stearns Ventures, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 15.4%
Stearns Ventures, LLC Conventional home mortgage Struggling to pay mortgage 1 7.7%
Stearns Ventures, LLC VA mortgage Trouble during payment process 1 7.7%
Stearns Ventures, LLC Other type of mortgage Closing on a mortgage 1 7.7%
Stearns Ventures, LLC VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.7%