Stearns Lending Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300YOESI1GLKRL151

Tax ID: 33-0051773

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Mortgage Data

Review & Overview

Stearns Lending is a large mortgage company specializing in Home Purchase and Cash Out Refi loans. Stearns Lending has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, San Francisco, Riverside, San Diego, and Miami among others. We have data for 562 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 6.55% 3/24/24
30 Year Conventional Refi 6.30% 3/24/24
30 Year Cash-out Refi 6.57% 3/24/24
30 Year FHA Purchase 7.28% 3/24/24
30 Year FHA Refi 7.22% 3/24/24
30 Year VA Purchase 6.08% 3/24/24
30 Year VA Refi 6.27% 3/24/24
30 Year USDA Purchase 6.61% 3/24/24
15 Year Conventional Purchase 5.97% 3/24/24
15 Year Conventional Refi 5.84% 3/24/24
15 Year Cash-out Refi 5.84% 3/24/24
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.

Stearns Lending Mortgage Calculator






Your Estimates

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This is not an official calculator from Stearns Lending. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

33,690

Origination Dollar Volume (All Markets)

$9,315,370,000
Show all (94) awards

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) 2,682 $1,216,110,000 $453,434 $7,641 4.75%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1,072 $524,200,000 $488,993 $6,724 4.74%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1,761 $509,055,000 $289,072 $6,590 4.70%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 804 $343,670,000 $427,450 $7,784 4.64%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1,012 $256,420,000 $253,379 $7,022 4.83%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 802 $248,960,000 $310,424 $5,568 4.72%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 921 $228,325,000 $247,910 $5,899 4.62%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 975 $222,655,000 $228,364 $6,288 4.80%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 414 $209,450,000 $505,918 $5,987 4.81%
SALT LAKE CITY, UT (FHA|USDA|VA) 700 $207,570,000 $296,529 $5,797 4.64%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 576 $173,740,000 $301,632 $5,713 4.70%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 692 $170,570,000 $246,488 $4,952 4.86%
Outside of Metro Areas 956 $166,460,000 $174,121 $4,512 4.73%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 711 $159,035,000 $223,678 $5,025 4.81%
FRESNO, CA (FHA|USDA|VA) 643 $155,445,000 $241,750 $5,822 4.73%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 411 $146,515,000 $356,484 $7,710 4.47%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 460 $141,290,000 $307,152 $5,645 4.76%
STOCKTON, CA (FHA|USDA|VA) 559 $137,905,000 $246,699 $6,429 4.55%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 289 $127,225,000 $440,225 $9,179 4.67%
MODESTO, CA (FHA|USDA|VA) 508 $119,860,000 $235,945 $6,063 4.80%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 509 $115,465,000 $226,847 $5,152 4.72%
COLORADO SPRINGS, CO (FHA|USDA|VA) 413 $112,435,000 $272,240 $4,745 4.62%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 308 $106,990,000 $347,370 $7,613 4.69%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 245 $104,115,000 $424,959 $6,136 4.87%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 378 $93,860,000 $248,307 $5,816 4.61%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 343 $92,315,000 $269,140 $5,468 4.60%
URBAN HONOLULU, HI (FHA|USDA|VA) 180 $90,800,000 $504,444 $7,930 4.56%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 430 $89,600,000 $208,372 $5,732 4.87%
PROVO-OREM, UT (FHA|USDA|VA) 313 $86,305,000 $275,735 $6,022 4.61%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 379 $85,605,000 $225,871 $6,190 4.78%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 331 $79,265,000 $239,471 $7,054 4.64%
LOUISVILLE, KY (FHA|USDA|VA) 418 $78,540,000 $187,895 $4,363 4.72%
SALINAS, CA (FHA|USDA|VA) 229 $72,455,000 $316,397 $7,142 4.66%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 270 $70,600,000 $261,481 $5,753 4.59%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 316 $62,070,000 $196,424 $5,840 4.83%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 122 $58,820,000 $482,131 $6,079 4.68%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 393 $51,805,000 $131,819 $5,589 4.74%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 175 $48,285,000 $275,914 $7,062 4.68%
ALBUQUERQUE, NM (FHA|USDA|VA) 252 $47,710,000 $189,325 $4,310 4.75%
BAKERSFIELD, CA (FHA|USDA|VA) 248 $47,450,000 $191,331 $5,311 4.82%
PITTSBURGH, PA (FHA|USDA|VA) 277 $44,985,000 $162,401 $5,645 4.71%
RICHMOND, VA (FHA|USDA|VA) 213 $44,055,000 $206,831 $5,721 4.67%
VALLEJO, CA (FHA|USDA|VA) 124 $41,970,000 $338,468 $6,687 4.73%
JACKSONVILLE, FL (FHA|USDA|VA) 180 $40,210,000 $223,389 $6,156 4.79%
BATON ROUGE, LA (FHA|USDA|VA) 170 $39,800,000 $234,118 $5,472 4.56%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 145 $37,965,000 $261,828 $7,591 4.64%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 156 $37,400,000 $239,744 $5,996 4.63%
FLAGSTAFF, AZ (FHA|USDA|VA) 122 $35,960,000 $294,754 $6,011 5.02%
MADERA, CA (FHA|USDA|VA) 160 $34,990,000 $218,688 $5,551 4.72%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 89 $34,455,000 $387,135 $6,452 4.72%
ST. GEORGE, UT (FHA|USDA|VA) 131 $33,495,000 $255,687 $4,414 4.69%
NAPA, CA (FHA|USDA|VA) 70 $32,500,000 $464,286 $6,065 4.70%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 173 $31,495,000 $182,052 $4,125 4.70%
PORT ST. LUCIE, FL (FHA|USDA|VA) 157 $31,455,000 $200,350 $5,878 4.82%
GREELEY, CO (FHA|USDA|VA) 96 $29,520,000 $307,500 $5,227 4.69%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 69 $29,205,000 $423,261 $8,491 4.66%
Clearlake, CA (FHA|USDA|VA) 123 $28,315,000 $230,203 $5,885 4.89%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 109 $27,825,000 $255,275 $5,809 4.69%
COLUMBUS, OH (FHA|USDA|VA) 163 $26,925,000 $165,184 $4,948 4.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 133 $26,745,000 $201,090 $6,018 4.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 106 $26,210,000 $247,264 $5,656 4.80%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 107 $25,755,000 $240,701 $3,725 4.84%
SAVANNAH, GA (FHA|USDA|VA) 126 $25,720,000 $204,127 $6,569 4.54%
Klamath Falls, OR (FHA|USDA|VA) 132 $25,210,000 $190,985 $5,469 4.52%
Outside of Metro Areas 101 $23,845,000 $236,089 $3,991 4.86%
MISSOULA, MT (FHA|USDA|VA) 86 $23,470,000 $272,907 $3,880 4.68%
ANCHORAGE, AK (FHA|USDA|VA) 79 $23,085,000 $292,215 $5,327 4.88%
STATE COLLEGE, PA (FHA|USDA|VA) 105 $22,005,000 $209,571 $6,828 4.48%
EL CENTRO, CA (FHA|USDA|VA) 103 $21,935,000 $212,961 $7,058 4.59%
MERCED, CA (FHA|USDA|VA) 92 $21,700,000 $235,870 $5,882 4.73%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 123 $20,805,000 $169,146 $4,856 4.62%
TUCSON, AZ (FHA|USDA|VA) 111 $20,545,000 $185,090 $4,698 4.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 90 $20,290,000 $225,444 $4,784 4.61%
LOGAN, UT-ID (FHA|USDA|VA) 99 $19,805,000 $200,051 $4,572 4.57%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 109 $19,665,000 $180,413 $5,008 4.81%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 96 $19,440,000 $202,500 $4,989 4.81%
NEW BERN, NC (FHA|USDA|VA) 105 $19,235,000 $183,190 $3,472 4.77%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 104 $19,230,000 $184,904 $5,750 4.76%
SALEM, OR (FHA|USDA|VA) 79 $19,035,000 $240,949 $6,649 4.64%
Ukiah, CA (FHA|USDA|VA) 62 $18,920,000 $305,161 $5,588 4.80%
VISALIA, CA (FHA|USDA|VA) 90 $18,770,000 $208,556 $5,739 4.82%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 90 $18,660,000 $207,333 $3,628 4.77%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 98 $17,810,000 $181,735 $5,291 4.79%
LAFAYETTE, LA (FHA|USDA|VA) 89 $17,465,000 $196,236 $5,726 4.67%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 67 $17,035,000 $254,254 $5,558 4.83%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 79 $16,785,000 $212,468 $5,763 4.78%
Heber, UT (FHA|USDA|VA) 42 $16,220,000 $386,190 $5,781 4.58%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 76 $16,170,000 $212,763 $5,040 4.60%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 53 $16,075,000 $303,302 $5,480 4.65%
BRUNSWICK, GA (FHA|USDA|VA) 82 $16,010,000 $195,244 $5,333 4.67%
LANCASTER, PA (FHA|USDA|VA) 99 $15,905,000 $160,657 $5,959 4.61%
FORT COLLINS, CO (FHA|USDA|VA) 52 $15,870,000 $305,192 $4,916 4.68%
Hilo, HI (FHA|USDA|VA) 39 $14,585,000 $373,974 $5,949 4.88%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 48 $14,540,000 $302,917 $6,164 4.73%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 80 $13,690,000 $171,125 $6,253 4.78%
EVANSVILLE, IN-KY (FHA|USDA|VA) 85 $13,575,000 $159,706 $4,133 4.83%
Roswell, NM (FHA|USDA|VA) 90 $13,190,000 $146,556 $3,954 5.10%
PUEBLO, CO (FHA|USDA|VA) 75 $13,095,000 $174,600 $5,099 4.78%
ALBANY-LEBANON, OR (FHA|USDA|VA) 54 $12,550,000 $232,407 $6,801 4.85%
SANTA FE, NM (FHA|USDA|VA) 48 $12,400,000 $258,333 $4,150 4.59%
Coos Bay, OR (FHA|USDA|VA) 52 $11,720,000 $225,385 $4,613 4.85%
EAST STROUDSBURG, PA (FHA|USDA|VA) 80 $11,540,000 $144,250 $5,603 4.89%
BEND, OR (FHA|USDA|VA) 42 $11,360,000 $270,476 $5,377 4.91%
WORCESTER, MA-CT (FHA|USDA|VA) 42 $11,150,000 $265,476 $7,051 4.61%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 27 $11,025,000 $408,333 $4,371 4.62%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 56 $10,990,000 $196,250 $6,161 4.63%
Truckee-Grass Valley, CA (FHA|USDA|VA) 35 $10,535,000 $301,000 $5,103 4.69%
REDDING, CA (FHA|USDA|VA) 48 $10,480,000 $218,333 $4,773 4.73%
ST. LOUIS, MO-IL (FHA|USDA|VA) 57 $10,325,000 $181,140 $4,705 4.68%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 45 $10,035,000 $223,000 $5,490 4.47%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 38 $9,640,000 $253,684 $4,651 4.98%
MEDFORD, OR (FHA|USDA|VA) 40 $9,580,000 $239,500 $5,219 4.83%
St. Marys, GA (FHA|USDA|VA) 45 $9,485,000 $210,778 $5,926 4.49%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 42 $9,430,000 $224,524 $6,180 4.75%
BILLINGS, MT (FHA|USDA|VA) 44 $9,100,000 $206,818 $6,317 4.59%
Hermiston-Pendleton, OR (FHA|USDA|VA) 48 $9,040,000 $188,333 $4,336 4.96%
LYNCHBURG, VA (FHA|USDA|VA) 50 $8,670,000 $173,400 $3,982 4.62%
BOULDER, CO (FHA|USDA|VA) 24 $8,590,000 $357,917 $5,187 4.94%
Port Angeles, WA (FHA|USDA|VA) 32 $8,460,000 $264,375 $3,897 4.61%
FARMINGTON, NM (FHA|USDA|VA) 50 $8,340,000 $166,800 $5,567 4.54%
OCALA, FL (FHA|USDA|VA) 58 $8,270,000 $142,586 $6,735 4.69%
YUBA CITY, CA (FHA|USDA|VA) 34 $8,080,000 $237,647 $5,167 5.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 44 $7,690,000 $174,773 $5,304 4.59%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 33 $7,625,000 $231,061 $4,322 4.71%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 43 $7,565,000 $175,930 $4,200 4.64%
WILLIAMSPORT, PA (FHA|USDA|VA) 46 $7,410,000 $161,087 $5,233 4.65%
MADISON, WI (FHA|USDA|VA) 29 $7,145,000 $246,379 $3,779 4.96%
Kalispell, MT (FHA|USDA|VA) 26 $7,070,000 $271,923 $5,664 4.71%
PUNTA GORDA, FL (FHA|USDA|VA) 37 $7,035,000 $190,135 $4,707 4.68%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 32 $6,730,000 $210,313 $6,648 4.71%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 29 $6,675,000 $230,172 $7,477 4.86%
Morehead City, NC (FHA|USDA|VA) 28 $6,510,000 $232,500 $3,383 4.71%
WILMINGTON, NC (FHA|USDA|VA) 31 $6,505,000 $209,839 $3,521 4.54%
GAINESVILLE, GA (FHA|USDA|VA) 33 $6,455,000 $195,606 $5,256 4.54%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 50 $6,300,000 $126,000 $4,773 4.73%
Vineyard Haven, MA (FHA|USDA|VA) 15 $6,225,000 $415,000 $5,683 4.84%
Bozeman, MT (FHA|USDA|VA) 22 $6,180,000 $280,909 $6,295 4.66%
Durango, CO (FHA|USDA|VA) 20 $5,890,000 $294,500 $4,899 4.64%
RENO, NV (FHA|USDA|VA) 19 $5,865,000 $308,684 $5,815 4.72%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 34 $5,730,000 $168,529 $6,053 4.70%
BOISE CITY, ID (FHA|USDA|VA) 20 $5,610,000 $280,500 $4,949 4.65%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 30 $5,550,000 $185,000 $7,038 4.64%
Marion, IN (FHA|USDA|VA) 52 $5,550,000 $106,731 $3,352 5.23%
CaƱon City, CO (FHA|USDA|VA) 30 $5,500,000 $183,333 $4,441 4.84%
YORK-HANOVER, PA (FHA|USDA|VA) 30 $5,480,000 $182,667 $6,154 4.59%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 39 $5,465,000 $140,128 $4,553 4.77%
Newport, OR (FHA|USDA|VA) 22 $5,420,000 $246,364 $4,170 4.74%
GREEN BAY, WI (FHA|USDA|VA) 29 $5,345,000 $184,310 $4,530 4.37%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 24 $5,320,000 $221,667 $5,747 4.68%
OCEAN CITY, NJ (FHA|USDA|VA) 22 $5,290,000 $240,455 $5,370 4.64%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 11 $5,285,000 $480,455 $9,301 4.72%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 27 $5,005,000 $185,370 $3,713 4.59%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 20 $5,000,000 $250,000 $2,959 4.31%
Sonora, CA (FHA|USDA|VA) 21 $4,985,000 $237,381 $4,171 4.98%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 25 $4,975,000 $199,000 $6,068 5.10%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 20 $4,960,000 $248,000 $4,848 4.64%
WINSTON-SALEM, NC (FHA|USDA|VA) 26 $4,830,000 $185,769 $4,086 4.54%
Sevierville, TN (FHA|USDA|VA) 20 $4,800,000 $240,000 $3,805 4.92%
LIMA, OH (FHA|USDA|VA) 34 $4,790,000 $140,882 $5,245 4.40%
Lock Haven, PA (FHA|USDA|VA) 31 $4,715,000 $152,097 $4,736 4.57%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 18 $4,580,000 $254,444 $5,765 5.07%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 23 $4,535,000 $197,174 $4,463 4.34%
Carlsbad-Artesia, NM (FHA|USDA|VA) 22 $4,470,000 $203,182 $5,768 4.84%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 16 $4,280,000 $267,500 $5,885 4.76%
COLUMBIA, SC (FHA|USDA|VA) 23 $4,245,000 $184,565 $5,606 4.61%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 18 $4,230,000 $235,000 $6,111 4.89%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 24 $4,190,000 $174,583 $4,610 4.77%
ST. CLOUD, MN (FHA|USDA|VA) 21 $4,185,000 $199,286 $5,567 4.71%
SPARTANBURG, SC (FHA|USDA|VA) 23 $4,135,000 $179,783 $5,069 4.55%
RALEIGH-CARY, NC (FHA|USDA|VA) 16 $4,100,000 $256,250 $4,622 4.61%
Ruidoso, NM (FHA|USDA|VA) 24 $4,080,000 $170,000 $5,012 4.84%
Breckenridge, CO (FHA|USDA|VA) 9 $3,995,000 $443,889 $4,695 4.82%
Key West, FL (FHA|USDA|VA) 9 $3,765,000 $418,333 $9,540 4.68%
Cedar City, UT (FHA|USDA|VA) 17 $3,745,000 $220,294 $5,053 4.30%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 20 $3,700,000 $185,000 $5,121 4.90%
Mountain Home, AR (FHA|USDA|VA) 31 $3,685,000 $118,871 $3,393 4.73%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 20 $3,660,000 $183,000 $6,183 4.56%
VALDOSTA, GA (FHA|USDA|VA) 20 $3,630,000 $181,500 $4,476 4.39%
RACINE, WI (FHA|USDA|VA) 14 $3,560,000 $254,286 $2,898 4.87%
Jefferson, GA (FHA|USDA|VA) 13 $3,555,000 $273,462 $5,577 4.74%
GRANTS PASS, OR (FHA|USDA|VA) 13 $3,515,000 $270,385 $5,273 4.40%
JACKSONVILLE, NC (FHA|USDA|VA) 20 $3,510,000 $175,500 $3,690 4.41%
LAKE CHARLES, LA (FHA|USDA|VA) 19 $3,475,000 $182,895 $6,051 4.70%
EL PASO, TX (FHA|USDA|VA) 25 $3,425,000 $137,000 $3,843 4.89%
SPRINGFIELD, MA (FHA|USDA|VA) 19 $3,385,000 $178,158 $4,948 4.58%
ROCHESTER, MN (FHA|USDA|VA) 19 $3,285,000 $172,895 $4,771 4.82%
KANSAS CITY, MO-KS (FHA|USDA|VA) 19 $3,215,000 $169,211 $4,161 4.66%
CHICO, CA (FHA|USDA|VA) 14 $3,180,000 $227,143 $5,946 4.86%
Whitewater, WI (FHA|USDA|VA) 19 $3,145,000 $165,526 $3,149 5.01%
Hood River, OR (FHA|USDA|VA) 10 $3,080,000 $308,000 $4,274 4.76%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 17 $3,065,000 $180,294 $5,173 4.64%
Los Alamos, NM (FHA|USDA|VA) 14 $2,930,000 $209,286 $3,327 4.33%
MANKATO, MN (FHA|USDA|VA) 16 $2,780,000 $173,750 $5,361 4.75%
Jasper, IN (FHA|USDA|VA) 23 $2,755,000 $119,783 $3,205 4.78%
LEBANON, PA (FHA|USDA|VA) 21 $2,745,000 $130,714 $4,999 4.81%
Hailey, ID (FHA|USDA|VA) 11 $2,735,000 $248,636 $5,225 4.97%
OKLAHOMA CITY, OK (FHA|USDA|VA) 14 $2,700,000 $192,857 $5,474 4.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 9 $2,675,000 $297,222 $8,133 4.53%
ASHEVILLE, NC (FHA|USDA|VA) 15 $2,665,000 $177,667 $5,641 4.68%
Edwards, CO (FHA|USDA|VA) 5 $2,645,000 $529,000 $5,199 4.75%
READING, PA (FHA|USDA|VA) 14 $2,570,000 $183,571 $5,124 4.65%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 10 $2,450,000 $245,000 $2,483 4.90%
COLUMBUS, IN (FHA|USDA|VA) 18 $2,430,000 $135,000 $4,348 4.74%
DOTHAN, AL (FHA|USDA|VA) 15 $2,425,000 $161,667 $3,299 4.68%
JOHNSON CITY, TN (FHA|USDA|VA) 12 $2,390,000 $199,167 $4,648 4.74%
GRAND JUNCTION, CO (FHA|USDA|VA) 13 $2,385,000 $183,462 $5,180 4.45%
LONGVIEW, WA (FHA|USDA|VA) 8 $2,380,000 $297,500 $5,484 4.69%
CORVALLIS, OR (FHA|USDA|VA) 7 $2,205,000 $315,000 $6,562 4.45%
HUNTSVILLE, AL (FHA|USDA|VA) 13 $2,185,000 $168,077 $5,481 4.28%
WINCHESTER, VA-WV (FHA|USDA|VA) 7 $2,145,000 $306,429 $4,321 4.48%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 6 $2,030,000 $338,333 $7,101 4.29%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 13 $2,015,000 $155,000 $3,732 4.93%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 11 $2,015,000 $183,182 $5,082 4.68%
Alexandria, MN (FHA|USDA|VA) 13 $1,995,000 $153,462 $4,757 4.84%
Kapaa, HI (FHA|USDA|VA) 4 $1,950,000 $487,500 $10,839 4.41%
Faribault-Northfield, MN (FHA|USDA|VA) 10 $1,950,000 $195,000 $4,973 4.95%
DAYTON-KETTERING, OH (FHA|USDA|VA) 11 $1,935,000 $175,909 $5,278 5.03%
Palatka, FL (FHA|USDA|VA) 15 $1,905,000 $127,000 $4,568 5.31%
KNOXVILLE, TN (FHA|USDA|VA) 11 $1,895,000 $172,273 $4,495 4.73%
Glenwood Springs, CO (FHA|USDA|VA) 7 $1,875,000 $267,857 $7,485 4.57%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 9 $1,855,000 $206,111 $4,388 4.38%
Van Wert, OH (FHA|USDA|VA) 17 $1,845,000 $108,529 $4,726 4.32%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 11 $1,845,000 $167,727 $6,010 4.84%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $1,820,000 $151,667 $5,559 4.84%
Fort Morgan, CO (FHA|USDA|VA) 8 $1,810,000 $226,250 $7,335 4.69%
TYLER, TX (FHA|USDA|VA) 10 $1,750,000 $175,000 $5,387 5.01%
Clovis, NM (FHA|USDA|VA) 11 $1,725,000 $156,818 $5,726 5.19%
Gardnerville Ranchos, NV (FHA|USDA|VA) 5 $1,695,000 $339,000 $3,895 4.83%
MONTGOMERY, AL (FHA|USDA|VA) 7 $1,685,000 $240,714 $6,907 4.30%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 7 $1,675,000 $239,286 $4,185 4.71%
GAINESVILLE, FL (FHA|USDA|VA) 9 $1,675,000 $186,111 $6,013 4.53%
PANAMA CITY, FL (FHA|USDA|VA) 10 $1,670,000 $167,000 $3,352 4.76%
Sandpoint, ID (FHA|USDA|VA) 6 $1,660,000 $276,667 $5,297 4.75%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 8 $1,630,000 $203,750 $7,360 4.50%
Fernley, NV (FHA|USDA|VA) 11 $1,625,000 $147,727 $0 5.68%
Torrington, CT (FHA|USDA|VA) 6 $1,620,000 $270,000 $7,337 4.52%
DeRidder, LA (FHA|USDA|VA) 9 $1,605,000 $178,333 $6,832 4.68%
ANN ARBOR, MI (FHA|USDA|VA) 8 $1,600,000 $200,000 $2,182 5.08%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 10 $1,600,000 $160,000 $5,968 4.70%
Bardstown, KY (FHA|USDA|VA) 9 $1,595,000 $177,222 $5,917 4.83%
GREAT FALLS, MT (FHA|USDA|VA) 7 $1,585,000 $226,429 $5,158 4.48%
Prineville, OR (FHA|USDA|VA) 7 $1,585,000 $226,429 $5,068 4.93%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 8 $1,560,000 $195,000 $2,650 4.84%
SALISBURY, MD-DE (FHA|USDA|VA) 8 $1,560,000 $195,000 $4,346 4.28%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 9 $1,545,000 $171,667 $4,519 5.07%
New Castle, PA (FHA|USDA|VA) 10 $1,540,000 $154,000 $5,081 5.01%
Tifton, GA (FHA|USDA|VA) 10 $1,540,000 $154,000 $5,747 4.76%
COLUMBUS, GA-AL (FHA|USDA|VA) 9 $1,525,000 $169,444 $3,634 4.78%
EspaƱola, NM (FHA|USDA|VA) 9 $1,505,000 $167,222 $3,407 4.96%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 8 $1,480,000 $185,000 $4,875 4.69%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 7 $1,475,000 $210,714 $7,002 4.59%
Calhoun, GA (FHA|USDA|VA) 9 $1,435,000 $159,444 $5,360 4.44%
Statesboro, GA (FHA|USDA|VA) 8 $1,420,000 $177,500 $6,319 4.23%
Scottsburg, IN (FHA|USDA|VA) 10 $1,400,000 $140,000 $4,438 4.65%
Eureka-Arcata, CA (FHA|USDA|VA) 4 $1,390,000 $347,500 $9,434 4.56%
Pahrump, NV (FHA|USDA|VA) 6 $1,390,000 $231,667 $5,180 4.79%
COLUMBIA, MO (FHA|USDA|VA) 7 $1,375,000 $196,429 $5,527 4.66%
DULUTH, MN-WI (FHA|USDA|VA) 8 $1,370,000 $171,250 $4,369 4.64%
Vernal, UT (FHA|USDA|VA) 9 $1,365,000 $151,667 $3,617 4.82%
Waycross, GA (FHA|USDA|VA) 10 $1,340,000 $134,000 $3,807 4.45%
Harrison, AR (FHA|USDA|VA) 12 $1,330,000 $110,833 $4,454 4.83%
Warsaw, IN (FHA|USDA|VA) 3 $1,315,000 $438,333 $5,337 4.54%
The Dalles, OR (FHA|USDA|VA) 8 $1,300,000 $162,500 $4,606 4.73%
Concord, NH (FHA|USDA|VA) 5 $1,265,000 $253,000 $6,446 4.85%
Roseburg, OR (FHA|USDA|VA) 7 $1,265,000 $180,714 $5,488 4.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,260,000 $315,000 $5,460 4.53%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $1,230,000 $205,000 $6,085 4.81%
IDAHO FALLS, ID (FHA|USDA|VA) 7 $1,225,000 $175,000 $3,593 4.84%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,215,000 $243,000 $5,989 4.68%
BELLINGHAM, WA (FHA|USDA|VA) 4 $1,210,000 $302,500 $6,365 4.53%
Orangeburg, SC (FHA|USDA|VA) 8 $1,210,000 $151,250 $4,877 4.31%
LAS CRUCES, NM (FHA|USDA|VA) 5 $1,195,000 $239,000 $4,910 4.40%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 9 $1,195,000 $132,778 $4,499 4.79%
RAPID CITY, SD (FHA|USDA|VA) 7 $1,185,000 $169,286 $4,186 4.53%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $1,185,000 $169,286 $5,918 4.95%
SPRINGFIELD, MO (FHA|USDA|VA) 8 $1,180,000 $147,500 $4,281 4.70%
DuBois, PA (FHA|USDA|VA) 11 $1,165,000 $105,909 $5,156 4.65%
Red Bluff, CA (FHA|USDA|VA) 4 $1,140,000 $285,000 $7,096 4.94%
Seymour, IN (FHA|USDA|VA) 12 $1,130,000 $94,167 $4,034 4.47%
Helena, MT (FHA|USDA|VA) 3 $1,115,000 $371,667 $7,235 4.79%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 8 $1,080,000 $135,000 $2,772 4.88%
North Vernon, IN (FHA|USDA|VA) 10 $1,060,000 $106,000 $3,429 4.65%
DOVER, DE (FHA|USDA|VA) 5 $1,055,000 $211,000 $8,545 4.38%
La Grande, OR (FHA|USDA|VA) 4 $1,050,000 $262,500 $3,948 5.13%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $1,045,000 $348,333 $9,233 4.50%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 4 $1,030,000 $257,500 $7,775 4.38%
Okeechobee, FL (FHA|USDA|VA) 8 $1,030,000 $128,750 $5,327 4.73%
Hutchinson, MN (FHA|USDA|VA) 7 $1,025,000 $146,429 $3,679 4.73%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 6 $1,010,000 $168,333 $5,924 4.77%
ALBANY, GA (FHA|USDA|VA) 6 $1,010,000 $168,333 $3,217 4.38%
Huntingdon, PA (FHA|USDA|VA) 7 $1,005,000 $143,571 $5,706 4.43%
Bluefield, WV-VA (FHA|USDA|VA) 9 $1,005,000 $111,667 $5,594 4.54%
POCATELLO, ID (FHA|USDA|VA) 5 $995,000 $199,000 $3,655 4.50%
WARNER ROBINS, GA (FHA|USDA|VA) 7 $985,000 $140,714 $6,175 4.71%
WENATCHEE, WA (FHA|USDA|VA) 4 $970,000 $242,500 $5,810 5.25%
Fort Polk South, LA (FHA|USDA|VA) 6 $960,000 $160,000 $3,480 4.73%
Oak Harbor, WA (FHA|USDA|VA) 4 $940,000 $235,000 $5,544 4.44%
New Castle, IN (FHA|USDA|VA) 7 $925,000 $132,143 $3,972 4.73%
Lebanon, MO (FHA|USDA|VA) 3 $905,000 $301,667 $1,890 5.08%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 5 $905,000 $181,000 $5,718 4.70%
Keene, NH (FHA|USDA|VA) 3 $875,000 $291,667 $2,470 4.92%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $860,000 $143,333 $4,331 4.98%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $850,000 $212,500 $3,916 4.50%
Athens, TX (FHA|USDA|VA) 5 $835,000 $167,000 $4,631 4.90%
Lewisburg, PA (FHA|USDA|VA) 5 $835,000 $167,000 $5,246 4.85%
FLINT, MI (FHA|USDA|VA) 5 $835,000 $167,000 $5,316 4.95%
Cullman, AL (FHA|USDA|VA) 5 $825,000 $165,000 $3,968 4.40%
Frankfort, KY (FHA|USDA|VA) 4 $810,000 $202,500 $6,478 4.69%
Wabash, IN (FHA|USDA|VA) 9 $805,000 $89,444 $2,514 5.18%
BLOOMINGTON, IN (FHA|USDA|VA) 5 $795,000 $159,000 $4,240 4.88%
Rexburg, ID (FHA|USDA|VA) 3 $765,000 $255,000 $7,512 4.79%
YAKIMA, WA (FHA|USDA|VA) 3 $765,000 $255,000 $5,844 4.46%
WALLA WALLA, WA (FHA|USDA|VA) 3 $765,000 $255,000 $4,948 4.66%
Sunbury, PA (FHA|USDA|VA) 7 $755,000 $107,857 $4,320 4.48%
Granbury, TX (FHA|USDA|VA) 1 $755,000 $755,000 $0 4.63%
Lewistown, PA (FHA|USDA|VA) 7 $745,000 $106,429 $4,805 4.57%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $740,000 $185,000 $5,298 4.75%
ROCKFORD, IL (FHA|USDA|VA) 5 $735,000 $147,000 $4,588 5.23%
TWIN FALLS, ID (FHA|USDA|VA) 4 $730,000 $182,500 $5,594 4.84%
Wapakoneta, OH (FHA|USDA|VA) 5 $725,000 $145,000 $5,265 4.65%
Price, UT (FHA|USDA|VA) 5 $725,000 $145,000 $4,475 4.75%
Blackfoot, ID (FHA|USDA|VA) 5 $715,000 $143,000 $7,273 4.25%
AMES, IA (FHA|USDA|VA) 5 $715,000 $143,000 $3,971 4.93%
Pottsville, PA (FHA|USDA|VA) 7 $715,000 $102,143 $3,796 4.79%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $705,000 $235,000 $3,046 5.08%
JACKSON, MS (FHA|USDA|VA) 3 $695,000 $231,667 $4,729 5.63%
Sterling, CO (FHA|USDA|VA) 3 $695,000 $231,667 $6,667 4.38%
FORT WAYNE, IN (FHA|USDA|VA) 7 $685,000 $97,857 $3,496 5.04%
KANKAKEE, IL (FHA|USDA|VA) 3 $685,000 $228,333 $4,956 4.29%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $680,000 $170,000 $4,381 5.38%
CARSON CITY, NV (FHA|USDA|VA) 2 $660,000 $330,000 $4,898 5.56%
Willmar, MN (FHA|USDA|VA) 3 $655,000 $218,333 $0 4.50%
GETTYSBURG, PA (FHA|USDA|VA) 3 $655,000 $218,333 $8,290 4.29%
Marion, OH (FHA|USDA|VA) 6 $650,000 $108,333 $4,808 4.65%
Ozark, AL (FHA|USDA|VA) 3 $645,000 $215,000 $4,458 4.58%
Ottawa, IL (FHA|USDA|VA) 3 $645,000 $215,000 $5,435 4.91%
Payson, AZ (FHA|USDA|VA) 3 $635,000 $211,667 $5,524 4.54%
HAMMOND, LA (FHA|USDA|VA) 4 $620,000 $155,000 $4,773 4.53%
Brainerd, MN (FHA|USDA|VA) 4 $620,000 $155,000 $4,707 4.69%
MUNCIE, IN (FHA|USDA|VA) 5 $615,000 $123,000 $5,076 4.93%
Taos, NM (FHA|USDA|VA) 4 $610,000 $152,500 $2,816 4.53%
LAREDO, TX (FHA|USDA|VA) 4 $600,000 $150,000 $5,636 4.66%
HINESVILLE, GA (FHA|USDA|VA) 4 $590,000 $147,500 $6,825 4.38%
Madison, IN (FHA|USDA|VA) 5 $585,000 $117,000 $2,567 4.68%
FOND DU LAC, WI (FHA|USDA|VA) 4 $570,000 $142,500 $2,992 4.97%
Indiana, PA (FHA|USDA|VA) 3 $565,000 $188,333 $3,926 4.50%
MONROE, MI (FHA|USDA|VA) 3 $565,000 $188,333 $4,416 4.46%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $565,000 $188,333 $5,347 4.71%
THE VILLAGES, FL (FHA|USDA|VA) 2 $560,000 $280,000 $14,021 4.63%
DECATUR, IL (FHA|USDA|VA) 2 $550,000 $275,000 $6,536 4.56%
Montrose, CO (FHA|USDA|VA) 3 $545,000 $181,667 $2,503 5.17%
SAN ANGELO, TX (FHA|USDA|VA) 5 $535,000 $107,000 $4,596 4.68%
Alexander City, AL (FHA|USDA|VA) 2 $530,000 $265,000 $10,910 4.87%
JEFFERSON CITY, MO (FHA|USDA|VA) 5 $525,000 $105,000 $5,060 4.68%
Zanesville, OH (FHA|USDA|VA) 5 $525,000 $105,000 $4,118 5.13%
YUMA, AZ (FHA|USDA|VA) 3 $525,000 $175,000 $2,967 4.96%
Mount Vernon, OH (FHA|USDA|VA) 3 $525,000 $175,000 $5,842 4.63%
PEORIA, IL (FHA|USDA|VA) 4 $520,000 $130,000 $3,482 4.63%
Seneca, SC (FHA|USDA|VA) 3 $515,000 $171,667 $0 4.54%
Easton, MD (FHA|USDA|VA) 2 $510,000 $255,000 $3,001 4.63%
Morgan City, LA (FHA|USDA|VA) 3 $505,000 $168,333 $6,811 5.04%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $490,000 $245,000 $0 4.44%
Pullman, WA (FHA|USDA|VA) 2 $490,000 $245,000 $7,049 4.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $485,000 $161,667 $11,023 4.54%
TULSA, OK (FHA|USDA|VA) 3 $485,000 $161,667 $5,296 4.54%
Fairmont, MN (FHA|USDA|VA) 3 $475,000 $158,333 $4,654 4.88%
Steamboat Springs, CO (FHA|USDA|VA) 2 $470,000 $235,000 $3,542 4.56%
Beaver Dam, WI (FHA|USDA|VA) 4 $470,000 $117,500 $2,985 4.97%
MORRISTOWN, TN (FHA|USDA|VA) 2 $470,000 $235,000 $3,409 4.81%
Greensburg, IN (FHA|USDA|VA) 4 $470,000 $117,500 $3,642 4.78%
Tupelo, MS (FHA|USDA|VA) 4 $460,000 $115,000 $6,334 4.69%
Fort Leonard Wood, MO (FHA|USDA|VA) 4 $460,000 $115,000 $2,981 4.81%
Jacksonville, TX (FHA|USDA|VA) 2 $460,000 $230,000 $7,057 5.38%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 4 $460,000 $115,000 $2,831 4.66%
Fergus Falls, MN (FHA|USDA|VA) 3 $455,000 $151,667 $3,984 5.00%
Opelousas, LA (FHA|USDA|VA) 3 $455,000 $151,667 $6,103 5.00%
JACKSON, MI (FHA|USDA|VA) 3 $445,000 $148,333 $1,813 4.79%
Crescent City, CA (FHA|USDA|VA) 5 $445,000 $89,000 $3,602 4.53%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $445,000 $148,333 $3,179 5.04%
Thomaston, GA (FHA|USDA|VA) 3 $445,000 $148,333 $5,104 4.63%
SPRINGFIELD, IL (FHA|USDA|VA) 3 $435,000 $145,000 $0 4.58%
Owatonna, MN (FHA|USDA|VA) 3 $435,000 $145,000 $4,167 4.50%
AMARILLO, TX (FHA|USDA|VA) 2 $430,000 $215,000 $7,480 4.69%
OWENSBORO, KY (FHA|USDA|VA) 4 $430,000 $107,500 $4,189 4.81%
Bedford, IN (FHA|USDA|VA) 2 $420,000 $210,000 $6,097 4.06%
Astoria, OR (FHA|USDA|VA) 2 $420,000 $210,000 $4,091 4.81%
Thomasville, GA (FHA|USDA|VA) 2 $420,000 $210,000 $5,371 4.50%
ROME, GA (FHA|USDA|VA) 3 $415,000 $138,333 $4,549 4.25%
Cornelia, GA (FHA|USDA|VA) 2 $410,000 $205,000 $4,015 4.50%
Laurinburg, NC (FHA|USDA|VA) 1 $405,000 $405,000 $4,248 4.75%
Clewiston, FL (FHA|USDA|VA) 3 $395,000 $131,667 $5,280 5.00%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $390,000 $195,000 $3,405 4.63%
Cambridge, MD (FHA|USDA|VA) 1 $385,000 $385,000 $13,249 4.75%
Chillicothe, OH (FHA|USDA|VA) 2 $380,000 $190,000 $6,058 4.75%
Nogales, AZ (FHA|USDA|VA) 2 $380,000 $190,000 $5,258 4.69%
TOPEKA, KS (FHA|USDA|VA) 1 $375,000 $375,000 $0 4.50%
TOLEDO, OH (FHA|USDA|VA) 3 $375,000 $125,000 $3,845 5.00%
Sayre, PA (FHA|USDA|VA) 3 $365,000 $121,667 $4,150 4.67%
Batesville, AR (FHA|USDA|VA) 3 $355,000 $118,333 $3,223 4.38%
Jesup, GA (FHA|USDA|VA) 3 $355,000 $118,333 $3,845 4.96%
Picayune, MS (FHA|USDA|VA) 1 $355,000 $355,000 $5,190 4.88%
Somerset, PA (FHA|USDA|VA) 2 $350,000 $175,000 $3,289 4.63%
Winnemucca, NV (FHA|USDA|VA) 2 $350,000 $175,000 $9,621 5.19%
Lake City, FL (FHA|USDA|VA) 2 $350,000 $175,000 $3,195 5.13%
Auburn, IN (FHA|USDA|VA) 3 $345,000 $115,000 $4,559 5.13%
ALTOONA, PA (FHA|USDA|VA) 3 $345,000 $115,000 $5,129 4.38%
Barre, VT (FHA|USDA|VA) 1 $335,000 $335,000 $8,868 4.63%
Shawnee, OK (FHA|USDA|VA) 2 $330,000 $165,000 $4,218 4.81%
Brookings, OR (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.75%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 3 $325,000 $108,333 $3,421 4.58%
NILES, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,197 5.38%
ROANOKE, VA (FHA|USDA|VA) 2 $320,000 $160,000 $5,900 4.75%
Las Vegas, NM (FHA|USDA|VA) 2 $320,000 $160,000 $3,748 5.00%
DALTON, GA (FHA|USDA|VA) 2 $320,000 $160,000 $5,640 4.44%
Albert Lea, MN (FHA|USDA|VA) 1 $315,000 $315,000 $6,821 4.48%
MIDLAND, TX (FHA|USDA|VA) 1 $315,000 $315,000 $10,624 5.63%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $310,000 $155,000 $5,237 5.50%
LUBBOCK, TX (FHA|USDA|VA) 2 $300,000 $150,000 $4,855 4.94%
Washington Court House, OH (FHA|USDA|VA) 2 $300,000 $150,000 $0 5.38%
Grand Rapids, MN (FHA|USDA|VA) 3 $295,000 $98,333 $3,843 5.08%
Red Wing, MN (FHA|USDA|VA) 2 $290,000 $145,000 $2,487 4.81%
Show Low, AZ (FHA|USDA|VA) 2 $290,000 $145,000 $5,123 5.31%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $290,000 $145,000 $2,756 4.63%
Shawano, WI (FHA|USDA|VA) 2 $290,000 $145,000 $2,957 4.75%
HARRISONBURG, VA (FHA|USDA|VA) 2 $290,000 $145,000 $2,689 4.31%
Nacogdoches, TX (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.25%
Palestine, TX (FHA|USDA|VA) 1 $285,000 $285,000 $12,874 3.63%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $280,000 $140,000 $3,389 5.19%
Marinette, WI-MI (FHA|USDA|VA) 2 $280,000 $140,000 $3,472 4.31%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $280,000 $140,000 $5,856 4.69%
CHEYENNE, WY (FHA|USDA|VA) 1 $275,000 $275,000 $2,432 4.38%
Selinsgrove, PA (FHA|USDA|VA) 1 $275,000 $275,000 $9,229 4.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.38%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $275,000 $275,000 $9,063 4.63%
Georgetown, SC (FHA|USDA|VA) 3 $275,000 $91,667 $4,294 5.00%
Milledgeville, GA (FHA|USDA|VA) 2 $270,000 $135,000 $3,900 4.31%
DECATUR, AL (FHA|USDA|VA) 2 $270,000 $135,000 $4,791 4.19%
Traverse City, MI (FHA|USDA|VA) 2 $270,000 $135,000 $2,795 4.13%
Austin, MN (FHA|USDA|VA) 1 $265,000 $265,000 $8,323 5.00%
Albertville, AL (FHA|USDA|VA) 2 $260,000 $130,000 $5,552 4.69%
Danville, KY (FHA|USDA|VA) 1 $255,000 $255,000 $7,338 4.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $255,000 $255,000 $3,460 4.63%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $250,000 $125,000 $5,428 5.06%
Vincennes, IN (FHA|USDA|VA) 2 $250,000 $125,000 $3,487 4.88%
Alamogordo, NM (FHA|USDA|VA) 2 $250,000 $125,000 $0 4.94%
MUSKEGON, MI (FHA|USDA|VA) 2 $250,000 $125,000 $5,701 4.38%
WACO, TX (FHA|USDA|VA) 2 $250,000 $125,000 $2,844 4.50%
Kerrville, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,730 4.63%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $240,000 $120,000 $5,956 5.19%
BANGOR, ME (FHA|USDA|VA) 1 $235,000 $235,000 $6,392 3.75%
STAUNTON, VA (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.50%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.50%
Lewisburg, TN (FHA|USDA|VA) 1 $235,000 $235,000 $8,495 4.75%
Bemidji, MN (FHA|USDA|VA) 1 $235,000 $235,000 $6,509 4.88%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $230,000 $115,000 $5,164 4.50%
Meridian, MS (FHA|USDA|VA) 2 $230,000 $115,000 $0 5.00%
Lebanon, NH-VT (FHA|USDA|VA) 2 $230,000 $115,000 $2,387 5.38%
KOKOMO, IN (FHA|USDA|VA) 2 $230,000 $115,000 $2,379 5.00%
SUMTER, SC (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.63%
Ottawa, KS (FHA|USDA|VA) 1 $225,000 $225,000 $5,765 5.38%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $225,000 $225,000 $9,399 4.25%
Union, SC (FHA|USDA|VA) 3 $225,000 $75,000 $3,944 5.13%
Washington, NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.25%
BURLINGTON, NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $220,000 $110,000 $6,294 4.88%
Butte-Silver Bow, MT (FHA|USDA|VA) 1 $215,000 $215,000 $6,783 4.63%
Ontario, OR-ID (FHA|USDA|VA) 1 $215,000 $215,000 $3,496 4.25%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $210,000 $105,000 $3,947 5.13%
Bennington, VT (FHA|USDA|VA) 1 $205,000 $205,000 $7,013 4.88%
Centralia, WA (FHA|USDA|VA) 1 $205,000 $205,000 $3,034 5.13%
Lufkin, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,257 4.88%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $200,000 $100,000 $4,436 4.69%
New Ulm, MN (FHA|USDA|VA) 2 $200,000 $100,000 $4,024 5.19%
Mason City, IA (FHA|USDA|VA) 1 $195,000 $195,000 $2,782 5.25%
London, KY (FHA|USDA|VA) 1 $195,000 $195,000 $5,320 4.00%
Shelbyville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $5,562 4.13%
GOLDSBORO, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.38%
MOBILE, AL (FHA|USDA|VA) 1 $185,000 $185,000 $4,829 5.63%
PITTSFIELD, MA (FHA|USDA|VA) 1 $185,000 $185,000 $4,954 4.50%
Ashtabula, OH (FHA|USDA|VA) 1 $185,000 $185,000 $5,894 4.88%
Aberdeen, WA (FHA|USDA|VA) 1 $185,000 $185,000 $4,954 4.50%
Laconia, NH (FHA|USDA|VA) 1 $185,000 $185,000 $3,352 4.75%
Americus, GA (FHA|USDA|VA) 1 $175,000 $175,000 $6,018 3.38%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $175,000 $175,000 $5,692 4.50%
Crawfordsville, IN (FHA|USDA|VA) 1 $175,000 $175,000 $4,609 4.38%
JACKSON, TN (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.88%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $175,000 $175,000 $2,306 4.75%
Henderson, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.88%
FLORENCE, SC (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.75%
Mount Pleasant, MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,585 5.25%
Bainbridge, GA (FHA|USDA|VA) 1 $165,000 $165,000 $3,111 4.88%
Shelby, NC (FHA|USDA|VA) 1 $155,000 $155,000 $4,471 5.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.00%
WICHITA, KS (FHA|USDA|VA) 1 $155,000 $155,000 $2,709 4.63%
Jasper, AL (FHA|USDA|VA) 1 $155,000 $155,000 $3,747 4.99%
LINCOLN, NE (FHA|USDA|VA) 1 $155,000 $155,000 $4,204 4.25%
Logansport, IN (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.75%
Findlay, OH (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.25%
Salem, OH (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.75%
CLEVELAND, TN (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.88%
Jennings, LA (FHA|USDA|VA) 1 $145,000 $145,000 $4,833 3.88%
APPLETON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.50%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.75%
MONROE, LA (FHA|USDA|VA) 1 $145,000 $145,000 $6,117 4.50%
Cedartown, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,007 5.25%
MANSFIELD, OH (FHA|USDA|VA) 2 $140,000 $70,000 $2,699 5.44%
Bogalusa, LA (FHA|USDA|VA) 1 $135,000 $135,000 $4,253 5.00%
Richmond-Berea, KY (FHA|USDA|VA) 1 $135,000 $135,000 $4,708 5.25%
Ashland, OH (FHA|USDA|VA) 1 $135,000 $135,000 $6,943 4.25%
Union City, TN (FHA|USDA|VA) 1 $135,000 $135,000 $3,158 5.25%
Rutland, VT (FHA|USDA|VA) 1 $135,000 $135,000 $3,327 5.25%
Sidney, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,073 4.88%
Moultrie, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,229 4.75%
Hobbs, NM (FHA|USDA|VA) 2 $130,000 $65,000 $4,087 5.13%
Charleston-Mattoon, IL (FHA|USDA|VA) 2 $130,000 $65,000 $0 5.00%
Fairfield, IA (FHA|USDA|VA) 1 $125,000 $125,000 $6,401 3.75%
Paducah, KY-IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,844 5.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,342 4.50%
LaGrange, GA-AL (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.50%
Kendallville, IN (FHA|USDA|VA) 1 $125,000 $125,000 $6,826 5.50%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.75%
Storm Lake, IA (FHA|USDA|VA) 1 $125,000 $125,000 $5,339 5.00%
Crossville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $3,614 4.75%
Adrian, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.13%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $115,000 $115,000 $2,736 4.00%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $115,000 $115,000 $5,970 5.00%
Dayton, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,069 4.63%
Port Lavaca, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,674 5.13%
Brownwood, TX (FHA|USDA|VA) 1 $115,000 $115,000 $7,590 4.63%
Fort Dodge, IA (FHA|USDA|VA) 1 $115,000 $115,000 $4,577 5.00%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $115,000 $115,000 $7,373 5.50%
Glasgow, KY (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.88%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $115,000 $115,000 $6,485 4.50%
Mountain Home, ID (FHA|USDA|VA) 1 $115,000 $115,000 $3,107 5.88%
Portales, NM (FHA|USDA|VA) 1 $105,000 $105,000 $3,274 4.50%
Greenwood, MS (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
Platteville, WI (FHA|USDA|VA) 1 $105,000 $105,000 $3,421 5.13%
Mount Sterling, KY (FHA|USDA|VA) 1 $105,000 $105,000 $1,866 4.88%
Warrensburg, MO (FHA|USDA|VA) 1 $105,000 $105,000 $3,309 5.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $95,000 $95,000 $4,109 4.13%
AKRON, OH (FHA|USDA|VA) 1 $95,000 $95,000 $2,824 4.63%
GADSDEN, AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.13%
West Point, MS (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.63%
West Plains, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.50%
Branson, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.50%
Berlin, NH (FHA|USDA|VA) 1 $85,000 $85,000 $1,954 5.75%
Marshall, MN (FHA|USDA|VA) 1 $85,000 $85,000 $3,805 3.25%
Meadville, PA (FHA|USDA|VA) 1 $85,000 $85,000 $4,861 4.75%
Arcadia, FL (FHA|USDA|VA) 1 $85,000 $85,000 $4,508 5.63%
Bellefontaine, OH (FHA|USDA|VA) 2 $80,000 $40,000 $5,902 5.50%
Pampa, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.75%
Raymondville, TX (FHA|USDA|VA) 1 $75,000 $75,000 $2,948 5.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $75,000 $75,000 $1,796 5.88%
Marshalltown, IA (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.50%
Laurel, MS (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.00%
Eufaula, AL-GA (FHA|USDA|VA) 1 $65,000 $65,000 $2,460 4.25%
Sheridan, WY (FHA|USDA|VA) 1 $65,000 $65,000 $3,867 4.63%
DANVILLE, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.50%
Silver City, NM (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.75%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $5,829 5.50%
Rolla, MO (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.13%
Stearns Lending's top markets include Los Angeles, San Francisco, Riverside, San Diego, and Miami among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 20,723 $5,931,905,000 $286,247 $4,798 4.83%
    FHA 8,776 $2,185,640,000 $249,047 $8,242 4.60%
    VA 3,016 $1,001,670,000 $332,119 $7,473 4.42%
    USDA 1,175 $196,155,000 $166,940 $0 4.55%

    For 2018, Stearns Lending's most frequently originated type of loan was Conventional, with 20,723 originations. Their 2nd most popular type was FHA, with 8,776 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 25,477 $6,850,205,000 $268,878 $6,189 4.72%
    Cash Out Refi 6,909 $2,105,555,000 $304,755 $5,359 4.77%
    Refi 1,095 $308,885,000 $282,087 $5,089 4.48%
    Home Improvement 209 $50,725,000 $242,703 $5,245 4.76%

    For 2018, Stearns Lending's most frequently cited loan purpose was Home Purchase, with 25,477 originations. The 2nd most popular reason was Cash Out Refi, with 6,909 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 31,933 $8,939,865,000 $279,957 $6,066 4.74%
    15 Year 1,032 $227,370,000 $220,320 $4,716 4.16%
    20 Year 395 $89,635,000 $226,924 $4,036 4.64%
    Other 193 $54,345,000 $281,580 $4,810 4.56%
    10 Year 63 $3,645,000 $57,857 $2,312 4.51%
    3 Year 50 $390,000 $7,800 $250 0.00%
    5 Year 24 $120,000 $5,000 $167 0.00%

    For 2018, Stearns Lending's most frequently cited loan duration was 30 Year, with 31,933 originations. The 2nd most popular length was 15 Year, with 1,032 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 9,547 $2,956,385,000 $309,666
    $<1k 7,932 $1,830,820,000 $230,814
    $2k-3k 2,676 $717,580,000 $268,154
    $5k+ 2,471 $1,015,335,000 $410,900
    $3k-4k 1,700 $474,310,000 $279,006
    $4k-5k 1,177 $368,265,000 $312,884

    Stearns Lending's average total fees were $6,066, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 9,547 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 22,658 $6,437,950,000 $284,136
    5-6% 7,337 $1,947,355,000 $265,416
    3-4% 2,956 $877,970,000 $297,013
    6-7% 209 $46,325,000 $221,651
    <2.5% 208 $2,060,000 $9,904
    2.5-3% 3 $1,115,000 $371,667
    7-8% 1 $15,000 $15,000

    During 2018, Stearns Lending's average interest rate for loans was 4.74%, while their most frequently originated rate bucket for loans was 4-5%, with 22,658 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 15,376 $4,373,390,000 $284,430 $6,345 4.69%
    $100k-200k 9,709 $1,487,275,000 $153,185 $4,702 4.77%
    $400k-600k 4,813 $2,256,155,000 $468,763 $7,575 4.71%
    $100,000 or less 2,334 $145,520,000 $62,348 $3,031 4.75%
    $600k-1MM 1,364 $930,370,000 $682,089 $9,291 4.76%
    $1MM+ 94 $122,660,000 $1,304,894 $18,382 4.55%

    2018 saw Stearns Lending place emphasis on $200k-400k loans with 15,376 originations, totaling $4,373,390,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 8,857 $1,913,955,000 $216,095 $5,734 4.70%
    $100k-150k 7,106 $2,440,840,000 $343,490 $6,682 4.72%
    $75k-100k 6,661 $1,848,335,000 $277,486 $6,216 4.69%
    $50k or less 5,764 $886,810,000 $153,853 $4,769 4.72%
    $150k-250k 3,943 $1,592,575,000 $403,899 $6,500 4.79%
    $250k+ 1,359 $632,855,000 $465,677 $6,200 4.80%

    Stearns Lending lent most frequently to those with incomes in the $50k-75k range, with 8,857 originations. The second most popular income band? $100k-150k, with 7,106 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 5,190 $1,358,290,000 $261,713 $5,379 4.72%
    20-30% 4,425 $1,094,115,000 $247,258 $4,999 4.71%
    50-60% 3,385 $1,014,735,000 $299,774 $8,755 4.55%
    49% 1,666 $520,020,000 $312,137 $6,140 4.80%
    44% 1,597 $446,595,000 $279,646 $6,022 4.79%
    42% 1,518 $444,830,000 $293,037 $6,018 4.79%
    43% 1,463 $413,395,000 $282,567 $5,924 4.77%
    41% 1,405 $403,755,000 $287,370 $6,006 4.76%
    48% 1,382 $403,660,000 $292,084 $5,943 4.76%
    40% 1,381 $375,155,000 $271,655 $5,942 4.75%
    47% 1,317 $381,645,000 $289,784 $5,976 4.77%
    46% 1,315 $380,945,000 $289,692 $6,161 4.76%
    39% 1,288 $355,910,000 $276,328 $5,650 4.73%
    45% 1,266 $371,570,000 $293,499 $5,926 4.77%
    38% 1,223 $330,365,000 $270,127 $5,562 4.76%
    37% 1,169 $319,315,000 $273,152 $5,567 4.75%
    <20% 1,168 $260,110,000 $222,697 $4,361 4.70%
    36% 1,106 $296,970,000 $268,508 $5,586 4.74%
    >60% 203 $84,735,000 $417,414 $7,415 4.74%

    Stearns Lending lent most frequently to those with DTI ratios of 30-36%, with 5,190 originations. The next most common DTI ratio? 20-30%, with 4,425 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 26,087 $6,968,295,000 $267,118 $5,860 4.71%
    Asian 2,867 $971,245,000 $338,767 $5,917 4.78%
    Not provided 2,723 $833,735,000 $306,183 $6,393 4.75%
    Black 1,731 $451,975,000 $261,106 $7,171 4.73%
    Native Hawaiian or Islander 152 $52,930,000 $348,224 $7,024 4.71%
    American Indian 84 $23,590,000 $280,833 $6,503 4.66%
    Filipino 10 $3,600,000 $360,000 $6,461 4.61%
    Asian Indian 12 $3,240,000 $270,000 $6,319 4.54%
    Other Asian 7 $1,785,000 $255,000 $6,766 4.50%
    Chinese 3 $1,255,000 $418,333 $5,093 4.50%
    Japanese 3 $1,145,000 $381,667 $8,500 4.79%
    Vietnamese 5 $985,000 $197,000 $5,558 4.70%
    Korean 2 $840,000 $420,000 $5,963 5.06%
    Guamanian 1 $425,000 $425,000 $5,122 4.88%
    Native Hawaiian 3 $325,000 $108,333 $250 4.00%

    Approval Rates

    Total approvals of all applications
    87.61%

    Stearns Lending has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.99%

    Stearns Lending has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 33,690 $9,315,370,000 $276,503

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 348 $56,950,000 $163,649
    Single Family (1-4 Units):Site-Built 33,342 $9,258,420,000 $277,680

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,049 $242,955,000 $231,606 $4,227 4.66%
    40-60% 2,822 $790,350,000 $280,067 $4,453 4.70%
    60-80% 9,957 $3,033,345,000 $304,644 $5,260 4.86%
    80-100% 18,645 $5,021,145,000 $269,302 $6,794 4.69%
    Over 100% 553 $203,725,000 $368,400 $11,159 4.45%
    Under 20% 664 $23,850,000 $35,919 $1,148 3.39%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Stearns Ventures, LLC VA mortgage Trouble during payment process 8 15.4%
    Stearns Ventures, LLC Other type of mortgage Struggling to pay mortgage 2 3.8%
    Stearns Ventures, LLC Other type of mortgage Trouble during payment process 3 5.8%
    Stearns Ventures, LLC VA mortgage Struggling to pay mortgage 1 1.9%
    Stearns Ventures, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 1.9%
    Stearns Ventures, LLC Conventional home mortgage Closing on a mortgage 2 3.8%
    Stearns Ventures, LLC Conventional home mortgage Struggling to pay mortgage 3 5.8%
    Stearns Ventures, LLC Conventional home mortgage Trouble during payment process 28 53.8%
    Stearns Ventures, LLC FHA mortgage Trouble during payment process 2 3.8%
    Stearns Ventures, LLC Home equity loan or line of credit (HELOC) Trouble during payment process 1 1.9%
    Stearns Ventures, LLC Other type of mortgage Closing on a mortgage 1 1.9%