Stearns Lending Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300YOESI1GLKRL151

Tax ID: 33-0051773

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

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

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Mortgage Data

  • SimulatedRates™
  • Review & 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 by origination volume include: Los Angeles, San Francisco, Riverside, San Diego, and San Jose among others. We have data for 534 markets. (Some data included below & more in-depth data is available with an active subscription.)

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

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

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

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


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.24% 9/29/22
    30 Year Conventional Refi 6.08% 9/29/22
    30 Year Cash-out Refi 6.26% 9/29/22
    30 Year FHA Purchase 7.10% 9/29/22
    30 Year FHA Refi 6.69% 9/29/22
    30 Year VA Purchase 5.96% 9/29/22
    30 Year VA Refi 5.58% 9/29/22
    30 Year USDA Purchase 6.45% 9/29/22
    30 Year USDA Refi 6.25% 9/29/22
    15 Year Conventional Purchase 5.61% 9/29/22
    15 Year Conventional Refi 5.56% 9/29/22
    15 Year Cash-out Refi 5.56% 9/29/22
    15 Year FHA Purchase 7.54% 9/29/22
    15 Year FHA Refi 6.43% 9/29/22
    15 Year VA Purchase 5.94% 9/29/22
    15 Year VA Refi 5.32% 9/29/22
    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

    27,110

    Origination Dollar Volume (All Markets)

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

    Relative Rate

    Stearns Lending '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)

    Stearns Lending 's average total fees/closing costs for a 30 year fixed rate mortgage were $5,214.

    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
    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.

    Similar Lenders

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

    HONOLULU
    Similarity Rank: 53
    The Torrington Savings Bank
    Similarity Rank: 140
    ALOHA PACIFIC
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    Middlesex Savings Bank
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    First Credit Union
    Similarity Rank: 180
    Savings Bank of Danbury
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    HAWAIIAN FINANCIAL
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Stearns Lending 's most frequently originated type of loan was Conventional, with 24,193 originations. Their 2nd most popular type was FHA, with 1,500 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Stearns Lending 's most frequently cited loan purpose was Refi, with 12,024 originations. The 2nd most popular reason was 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 2021, Stearns Lending 's most frequently cited loan duration was 30 Year, with 23,005 originations. The 2nd most popular length was 15 Year, with 2,859 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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
    $2k-3k 2,067 $639,745,000 $309,504
    $3k-4k 1,472 $446,080,000 $303,043
    $4k-5k 1,113 $362,815,000 $325,979

    Stearns Lending 's average total fees were $5,214, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.98%, while their most frequently originated rate bucket for loans was 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 or Islander 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 Hawaiian 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
    88.44%

    Stearns Lending has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.53%

    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%