Stifel Bank And Trust Mortgage Rates, Fees & Info
Saint Louis, MOLEI: CKVBED0S4DMLKJJ5XH28
Tax ID: 43-1950333
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Review & Overview
Stifel Bank And Trust is a small bank specializing in Home Purchase loans. Stifel Bank And Trust 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: St. Louis, New York, Los Angeles, Miami, and San Francisco among others. We have data for 343 markets. (Some data included below & more in-depth data is available with an active subscription.)Stifel Bank And Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Stifel Bank And Trust is typically a low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.37% | 12/17/24 |
| 30 Year Conventional Purchase | 5.91% | 12/17/24 |
| 30 Year Conventional Refi | 5.89% | 12/17/24 |
| 30 Year Cash-out Refi | 5.93% | 12/17/24 |
| 30 Year FHA Purchase | 6.87% | 12/17/24 |
| 30 Year FHA Refi | 6.27% | 12/17/24 |
| 30 Year VA Purchase | 6.04% | 12/17/24 |
| 30 Year VA Refi | 5.92% | 12/17/24 |
| 30 Year USDA Purchase | 6.39% | 12/17/24 |
| 15 Year Conventional Purchase | 5.02% | 12/17/24 |
| 15 Year Conventional Refi | 5.17% | 12/17/24 |
| 15 Year Cash-out Refi | 5.17% | 12/17/24 |
| 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. | ||
Stifel Bank And Trust Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,357Origination Dollar Volume (All Markets)
$1,421,595,000Employee count
176Awards
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Stifel Bank and Trust - 2018
Stifel Bank and Trust is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1,823 | $410,915,000 | $225,406 | $2,473 | 4.47% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 147 | $92,765,000 | $631,054 | $4,836 | 4.12% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 89 | $83,595,000 | $939,270 | $3,923 | 3.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 61 | $37,835,000 | $620,246 | $4,119 | 4.08% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 34 | $33,360,000 | $981,176 | $3,370 | 3.83% |
| Outside of Metro Areas | 91 | $30,585,000 | $336,099 | $2,556 | 4.33% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 39 | $26,335,000 | $675,256 | $3,838 | 4.23% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 55 | $24,095,000 | $438,091 | $3,339 | 4.21% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 53 | $20,845,000 | $393,302 | $3,034 | 4.11% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 27 | $20,355,000 | $753,889 | $4,084 | 4.18% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 47 | $19,845,000 | $422,234 | $2,386 | 4.14% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 87 | $18,745,000 | $215,460 | $3,438 | 4.77% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 28 | $18,020,000 | $643,571 | $3,504 | 4.04% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 11 | $15,975,000 | $1,452,273 | $3,870 | 3.64% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 16 | $15,800,000 | $987,500 | $4,827 | 3.70% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 29 | $15,165,000 | $522,931 | $3,685 | 4.19% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 36 | $14,330,000 | $398,056 | $4,379 | 4.34% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 27 | $14,225,000 | $526,852 | $3,580 | 4.16% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 35 | $12,925,000 | $369,286 | $3,381 | 4.39% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 21 | $12,115,000 | $576,905 | $3,589 | 4.02% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 44 | $11,930,000 | $271,136 | $3,827 | 4.59% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 21 | $11,585,000 | $551,667 | $3,842 | 4.24% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 21 | $11,315,000 | $538,810 | $4,724 | 3.89% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 30 | $10,330,000 | $344,333 | $3,135 | 4.29% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 21 | $10,225,000 | $486,905 | $2,680 | 4.33% |
| Heber, UT (FHA|USDA|VA) | 6 | $8,960,000 | $1,493,333 | $6,538 | 3.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 60 | $8,880,000 | $148,000 | $2,190 | 5.03% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 27 | $8,825,000 | $326,852 | $3,133 | 4.15% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 74 | $8,820,000 | $119,189 | $2,684 | 5.09% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 56 | $8,030,000 | $143,393 | $2,113 | 4.98% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 29 | $7,995,000 | $275,690 | $1,753 | 4.29% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 14 | $7,870,000 | $562,143 | $4,655 | 4.17% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 12 | $7,850,000 | $654,167 | $3,632 | 3.98% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 23 | $7,765,000 | $337,609 | $3,555 | 4.36% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 15 | $7,595,000 | $506,333 | $3,484 | 4.03% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 22 | $7,570,000 | $344,091 | $3,159 | 4.17% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 20 | $7,220,000 | $361,000 | $2,992 | 4.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 15 | $7,185,000 | $479,000 | $4,414 | 4.38% |
| Bozeman, MT (FHA|USDA|VA) | 15 | $5,765,000 | $384,333 | $2,585 | 4.22% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 10 | $5,760,000 | $576,000 | $3,702 | 4.19% |
| Glenwood Springs, CO (FHA|USDA|VA) | 10 | $5,550,000 | $555,000 | $2,271 | 4.15% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 20 | $5,550,000 | $277,500 | $3,002 | 4.46% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 17 | $5,415,000 | $318,529 | $2,847 | 4.32% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 21 | $5,195,000 | $247,381 | $2,664 | 4.45% |
| BOISE CITY, ID (FHA|USDA|VA) | 13 | $4,775,000 | $367,308 | $2,678 | 4.27% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 8 | $4,750,000 | $593,750 | $3,514 | 3.83% |
| RICHMOND, VA (FHA|USDA|VA) | 9 | $4,585,000 | $509,444 | $3,759 | 4.13% |
| Key West, FL (FHA|USDA|VA) | 6 | $4,420,000 | $736,667 | $5,317 | 3.46% |
| NAPA, CA (FHA|USDA|VA) | 3 | $4,365,000 | $1,455,000 | $3,029 | 3.42% |
| Sheridan, WY (FHA|USDA|VA) | 18 | $4,320,000 | $240,000 | $2,083 | 4.40% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 12 | $4,290,000 | $357,500 | $2,680 | 4.34% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 8 | $4,150,000 | $518,750 | $2,610 | 3.91% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 52 | $4,050,000 | $77,885 | $2,167 | 5.07% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $4,045,000 | $577,857 | $2,667 | 4.34% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $3,930,000 | $655,000 | $3,784 | 4.02% |
| EL PASO, TX (FHA|USDA|VA) | 16 | $3,830,000 | $239,375 | $2,383 | 4.36% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $3,785,000 | $291,154 | $3,099 | 4.16% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 9 | $3,765,000 | $418,333 | $4,066 | 4.44% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 12 | $3,720,000 | $310,000 | $2,463 | 3.96% |
| SAVANNAH, GA (FHA|USDA|VA) | 8 | $3,720,000 | $465,000 | $3,525 | 4.25% |
| RENO, NV (FHA|USDA|VA) | 8 | $3,580,000 | $447,500 | $3,530 | 4.16% |
| MONTGOMERY, AL (FHA|USDA|VA) | 12 | $3,560,000 | $296,667 | $3,013 | 4.26% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $3,460,000 | $288,333 | $2,439 | 4.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 14 | $3,400,000 | $242,857 | $2,431 | 4.28% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 7 | $3,345,000 | $477,857 | $2,818 | 4.20% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $3,240,000 | $324,000 | $2,748 | 4.24% |
| LOUISVILLE, KY (FHA|USDA|VA) | 16 | $3,240,000 | $202,500 | $2,293 | 4.73% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $3,220,000 | $536,667 | $3,265 | 4.31% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 12 | $3,220,000 | $268,333 | $3,310 | 4.32% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $3,175,000 | $635,000 | $3,141 | 3.85% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 13 | $3,125,000 | $240,385 | $2,820 | 4.43% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $3,105,000 | $443,571 | $5,191 | 4.41% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $3,090,000 | $772,500 | $3,350 | 4.16% |
| Durango, CO (FHA|USDA|VA) | 3 | $3,055,000 | $1,018,333 | $3,405 | 4.33% |
| COLUMBIA, MO (FHA|USDA|VA) | 11 | $3,055,000 | $277,727 | $1,717 | 4.15% |
| Outside of Metro Areas | 5 | $2,995,000 | $599,000 | $3,762 | 3.98% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 6 | $2,880,000 | $480,000 | $3,249 | 3.96% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 10 | $2,850,000 | $285,000 | $5,177 | 4.54% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $2,815,000 | $563,000 | $6,507 | 4.05% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 8 | $2,610,000 | $326,250 | $2,506 | 4.08% |
| SALEM, OR (FHA|USDA|VA) | 9 | $2,565,000 | $285,000 | $2,943 | 4.47% |
| BEND, OR (FHA|USDA|VA) | 6 | $2,530,000 | $421,667 | $3,494 | 3.98% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $2,490,000 | $1,245,000 | $6,973 | 4.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $2,455,000 | $491,000 | $2,868 | 4.20% |
| Milledgeville, GA (FHA|USDA|VA) | 11 | $2,425,000 | $220,455 | $2,499 | 4.48% |
| CHICO, CA (FHA|USDA|VA) | 9 | $2,365,000 | $262,778 | $2,403 | 4.14% |
| Dickinson, ND (FHA|USDA|VA) | 10 | $2,360,000 | $236,000 | $3,008 | 4.38% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $2,305,000 | $329,286 | $1,726 | 4.32% |
| COLUMBUS, OH (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $2,190 | 4.46% |
| Hailey, ID (FHA|USDA|VA) | 3 | $2,125,000 | $708,333 | $3,674 | 3.67% |
| BISMARCK, ND (FHA|USDA|VA) | 7 | $2,125,000 | $303,571 | $2,281 | 4.02% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 9 | $2,105,000 | $233,889 | $2,668 | 5.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 15 | $2,085,000 | $139,000 | $2,308 | 5.10% |
| PITTSBURGH, PA (FHA|USDA|VA) | 10 | $2,060,000 | $206,000 | $3,502 | 4.46% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 11 | $2,055,000 | $186,818 | $1,924 | 4.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $2,005,000 | $668,333 | $5,042 | 3.83% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $1,975,000 | $395,000 | $3,806 | 4.10% |
| Edwards, CO (FHA|USDA|VA) | 3 | $1,935,000 | $645,000 | $2,502 | 3.71% |
| REDDING, CA (FHA|USDA|VA) | 5 | $1,905,000 | $381,000 | $3,882 | 4.48% |
| ROCHESTER, NY (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $3,379 | 4.32% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $1,815,000 | $259,286 | $2,855 | 4.46% |
| BILLINGS, MT (FHA|USDA|VA) | 9 | $1,795,000 | $199,444 | $2,912 | 3.90% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $3,427 | 3.59% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $2,954 | 4.10% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $3,979 | 4.38% |
| TULSA, OK (FHA|USDA|VA) | 8 | $1,620,000 | $202,500 | $3,150 | 4.31% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $3,322 | 4.47% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $1,545,000 | $515,000 | $2,990 | 3.83% |
| Hilo, HI (FHA|USDA|VA) | 3 | $1,485,000 | $495,000 | $3,393 | 4.00% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $1,480,000 | $370,000 | $2,309 | 4.41% |
| MOBILE, AL (FHA|USDA|VA) | 7 | $1,455,000 | $207,857 | $2,603 | 4.34% |
| MANKATO, MN (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $2,496 | 4.09% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $2,024 | 3.93% |
| Brainerd, MN (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $3,118 | 4.23% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $3,417 | 3.85% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $1,370,000 | $685,000 | $2,555 | 4.13% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $2,441 | 4.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $2,613 | 4.16% |
| Alexander City, AL (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $2,214 | 3.91% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $2,470 | 4.06% |
| VALDOSTA, GA (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $2,644 | 4.44% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $3,341 | 4.16% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 7 | $1,175,000 | $167,857 | $2,897 | 4.18% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 10 | $1,150,000 | $115,000 | $2,404 | 4.93% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $2,358 | 4.02% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $2,138 | 4.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $2,662 | 4.78% |
| ROCHESTER, MN (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $2,433 | 4.47% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $2,045 | 4.28% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,035,000 | $147,857 | $2,668 | 4.82% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $2,377 | 3.94% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 6 | $1,020,000 | $170,000 | $2,506 | 4.60% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $4,647 | 4.44% |
| Torrington, CT (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $2,916 | 4.44% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $3,093 | 3.75% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $2,541 | 4.13% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $3,489 | 3.63% |
| MADISON, WI (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $1,746 | 4.22% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $2,989 | 4.69% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,941 | 4.44% |
| Warsaw, IN (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $1,413 | 3.81% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $2,326 | 4.58% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $4,835 | 4.54% |
| Taos, NM (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $3,419 | 3.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $3,241 | 4.46% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $2,740 | 4.42% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,745 | 3.94% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $1,740 | 4.38% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $2,285 | 4.00% |
| Brevard, NC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,450 | 3.81% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $2,732 | 4.58% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $1,925 | 3.81% |
| GLENS FALLS, NY (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $4,140 | 4.56% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $1,745 | 4.79% |
| Easton, MD (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $4,068 | 3.38% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $7,064 | 4.31% |
| Boone, NC (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,319 | 4.42% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $2,747 | 4.84% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,788 | 4.83% |
| DULUTH, MN-WI (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $3,294 | 4.53% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,073 | 4.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $2,726 | 3.88% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $4,217 | 4.19% |
| Adrian, MI (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,822 | 4.50% |
| Forest City, NC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,411 | 3.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,156 | 4.44% |
| NILES, MI (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $2,439 | 4.54% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,499 | 4.38% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,167 | 4.79% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,784 | 3.88% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,750 | 4.19% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $2,279 | 4.78% |
| Marquette, MI (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $2,709 | 4.00% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $2,558 | 3.75% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,361 | 4.31% |
| Rutland, VT (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,447 | 3.75% |
| DALTON, GA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,851 | 4.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,886 | 3.25% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,440 | 3.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,919 | 4.00% |
| Alamogordo, NM (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,911 | 4.38% |
| Holland, MI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,041 | 4.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,606 | 4.69% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $3,259 | 5.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,294 | 4.25% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,615 | 3.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,398 | 3.69% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,584 | 4.38% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,242 | 4.38% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $1,888 | 3.63% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $1,938 | 4.46% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $1,526 | 3.94% |
| Marion, IN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $1,262 | 4.75% |
| Concord, NH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,626 | 4.25% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $1,377 | 5.06% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,433 | 4.44% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,045 | 4.25% |
| Hudson, NY (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,926 | 3.75% |
| Keene, NH (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,126 | 4.75% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,638 | 3.69% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,130 | 4.42% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,139 | 4.50% |
| Branson, MO (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $1,639 | 4.33% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,015 | 4.17% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,346 | 4.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,622 | 4.13% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,871 | 4.38% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,613 | 4.13% |
| JACKSON, TN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,974 | 4.56% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,285 | 4.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,456 | 4.19% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,602 | 3.25% |
| Astoria, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,642 | 4.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,566 | 4.75% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,877 | 4.75% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,557 | 3.88% |
| Columbus, MS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,865 | 4.75% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,564 | 4.25% |
| Yankton, SD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,944 | 3.63% |
| Jasper, IN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,295 | 3.88% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,554 | 5.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,768 | 4.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,624 | 4.25% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,700 | 4.75% |
| Meridian, MS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,830 | 4.63% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,754 | 3.94% |
| Crossville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,579 | 4.50% |
| MADERA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,642 | 4.50% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,185 | 4.00% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,693 | 4.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,294 | 3.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,543 | 3.75% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,958 | 4.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,337 | 4.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,346 | 5.13% |
| Montrose, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,702 | 4.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,041 | 4.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,839 | 3.75% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,967 | 3.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,046 | 4.63% |
| Payson, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,459 | 4.00% |
| Rolla, MO (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,144 | 4.44% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,006 | 4.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,180 | 4.25% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,677 | 4.38% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,047 | 4.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,378 | 4.25% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,497 | 4.63% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,945 | 4.63% |
| DOVER, DE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,872 | 3.63% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,195 | 4.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,076 | 4.00% |
| FLINT, MI (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,012 | 4.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,551 | 4.75% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,823 | 4.50% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,041 | 4.25% |
| RACINE, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,601 | 4.00% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,395 | 4.50% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,919 | 3.63% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,163 | 4.38% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,700 | 4.63% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,558 | 4.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,783 | 5.00% |
| Barre, VT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,944 | 4.63% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,004 | 4.88% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,210 | 5.38% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,135 | 4.38% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,960 | 3.75% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,153 | 4.50% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,040 | 4.31% |
| WACO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,593 | 4.50% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,450 | 4.50% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,887 | 3.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,287 | 4.50% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,068 | 4.75% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,553 | 4.75% |
| MONROE, MI (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,936 | 5.00% |
| Troy, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,920 | 4.38% |
| Granbury, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,627 | 4.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,996 | 4.38% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,413 | 4.50% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,528 | 4.25% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,301 | 4.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,565 | 4.50% |
| Storm Lake, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,528 | 4.25% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,382 | 4.75% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,062 | 4.88% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,349 | 4.75% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,450 | 4.63% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,426 | 4.13% |
| Fernley, NV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,071 | 4.63% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,188 | 3.75% |
| Mitchell, SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,834 | 4.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,135 | 4.50% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,747 | 4.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,825 | 4.63% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,344 | 4.88% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,168 | 4.75% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,336 | 4.25% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,369 | 3.50% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,014 | 4.00% |
| Prineville, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,041 | 5.25% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,643 | 4.63% |
| Bennington, VT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,526 | 4.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,091 | 4.50% |
| AMES, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,719 | 4.50% |
| Willmar, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,416 | 4.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,477 | 4.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,638 | 4.38% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,118 | 5.88% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,774 | 4.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,555 | 4.63% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,960 | 5.13% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,727 | 3.75% |
| Meadville, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,680 | 4.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,904 | 4.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,268 | 4.50% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,113 | 4.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,350 | 4.63% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,418 | 4.75% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,899 | 4.13% |
| Burlington, IA-IL (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $2,991 | 4.94% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,990 | 5.25% |
| Athens, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,014 | 4.13% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,477 | 5.38% |
| READING, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,770 | 4.13% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,184 | 4.38% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,368 | 3.75% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,029 | 4.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,642 | 4.00% |
| New Castle, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,308 | 5.00% |
| Ludington, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,703 | 4.50% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,514 | 4.63% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,891 | 5.00% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,119 | 3.75% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,718 | 4.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,423 | 4.88% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,591 | 4.63% |
| Mason City, IA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,563 | 4.38% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,124 | 4.63% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,953 | 4.13% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,064 | 4.50% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,914 | 3.88% |
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Product Mix
For 2018, Stifel Bank And Trust's most frequently originated type of loan was Conventional, with 3,848 originations. Their 2nd most popular type was FHA, with 322 originations.
Loan Reason
For 2018, Stifel Bank And Trust's most frequently cited loan purpose was Home Purchase, with 3,163 originations. The 2nd most popular reason was Cash Out Refi, with 488 originations.
Loan Duration/Length
For 2018, Stifel Bank And Trust's most frequently cited loan duration was 30 Year, with 3,855 originations. The 2nd most popular length was 15 Year, with 330 originations.
Origination Fees/Closing Costs
Stifel Bank And Trust's average total fees were $2,961, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,099 originations.
Interest Rates
During 2018, Stifel Bank And Trust's average interest rate for loans was 4.42%, while their most frequently originated rate bucket for loans was 4-5%, with 2,560 originations.
Loan Sizing
2018 saw Stifel Bank And Trust place emphasis on $200k-400k loans with 1,470 originations, totaling $414,030,000 in origination value.
Applicant Income
Stifel Bank And Trust lent most frequently to those with incomes in the $150k-250k range, with 873 originations. The second most popular income band? $100k-150k, with 849 originations.
Applicant Debt to Income Ratio
Stifel Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 988 originations. The next most common DTI ratio? 30-36%, with 801 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.11%
Stifel Bank And Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination87.63%
Stifel Bank And Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,357 | $1,421,595,000 | $326,278 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 4,357 | $1,421,595,000 | $326,278 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| STIFEL FINANCIAL CORP. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| STIFEL FINANCIAL CORP. | Conventional home mortgage | Trouble during payment process | 1 | 25.0% |
| STIFEL FINANCIAL CORP. | VA mortgage | Closing on a mortgage | 1 | 25.0% |
| STIFEL FINANCIAL CORP. | VA mortgage | Trouble during payment process | 1 | 25.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Stifel Bank and Trust | 12655 Olive Blvd., Suite 340 Saint Louis, MO 63141 | Full Service B&M | $0 |
| Stifel Bank and Trust | 501 North Broadway Saint Louis, MO 63102 | Full Service B&M | $13,909,629 |
For 2018, Stifel Bank And Trust had 2 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $550,151 |
| Net interest income | $454,679 |
| Total noninterest income | $24,144 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $4 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $24,140 |
| Pre-tax net operating income | $373,981 |
| Securities gains (or losses, -) | $-3,901 |
| Income before extraordinary items | $277,388 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $277,388 |
| Minority interest net income | $0 |
| Net income | $277,388 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $280,469 |
Stifel Bank And Trust's gross interest income from loans was $550,151,000.
Stifel Bank And Trust's net interest income from loans was $454,679,000.
Stifel Bank And Trust's fee based income from loans was $4,000.
Stifel Bank And Trust's net income from loans was $277,388,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $95,472 |
| Provision for credit losses | $16,902 |
| Total noninterest expense | $87,940 |
| Salaries and employee benefits | $17,684 |
| Premises and equipment expense | $3,083 |
| Additional noninterest expense | $67,173 |
| Applicable income taxes | $92,692 |
| Net charge-offs | $8 |
| Cash dividends | $180,000 |
Stifel Bank And Trust's interest expense for loans was $95,472,000.
Stifel Bank And Trust's payroll and benefits expense were $17,684,000.
Stifel Bank And Trust's property, plant and equipment expenses $3,083,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $14,221,005 |
| Deposits held in domestic offices | $14,221,005 |
| Deposits by Individuals, partnerships, and corporations | $14,210,108 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $10,797 |
| Deposits by Commercial banks and other depository institutions in U.S. | $100 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $384,900 |
| Demand deposits | $384,874 |
| Nontransaction accounts | $13,836,105 |
| Money market deposit accounts (MMDAs) | $12,192,658 |
| Other savings deposits (excluding MMDAs) | $19,029 |
| Total time deposits | $1,624,419 |
| Total time and savings deposits | $13,836,131 |
| Noninterest-bearing deposits | $48,295 |
| Interest-bearing deposits | $14,172,710 |
| Retail deposits | $12,418,812 |
| IRAs and Keogh plan accounts | $212 |
| Brokered deposits | $1,793,136 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $16,110,188 |
| Cash & Balances due from depository institutions | $917,876 |
| Interest-bearing balances | $884,529 |
| Total securities | $7,068,529 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $7,655,237 |
| Loan and leases loss allowance | $85,135 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $254,048 |
| Other real estate owned | $3,550 |
| Goodwill and other intangibles | $21,854 |
| All other assets | $189,094 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $16,110,188 |
| Total Liabilities | $14,954,693 |
| Total deposits | $14,221,005 |
| Interest-bearing deposits | $14,172,710 |
| Deposits held in domestic offices | $14,221,005 |
| % insured (estimated) | $87 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $664,505 |
| Subordinated debt | $0 |
| All other liabilities | $69,183 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $7,655,237 |
| Loan and leases loss allowance | $85,135 |
| Total loans and leases (domestic) | $7,740,372 |
| All real estate loans | $3,162,014 |
| Real estate loans in domestic offices | $3,162,014 |
| Construction and development loans | $91,601 |
| Residential 1-4 family construction | $546 |
| Other construction, all land development and other land | $91,055 |
| Loans secured by nonfarm nonresidential properties | $129,210 |
| Nonfarm nonresidential secured by owner-occupied properties | $43,511 |
| Commercial real estate & other non-farm, non-residential | $85,699 |
| Multifamily residential real estate | $0 |
| 1-4 family residential loans | $2,941,203 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $2,207 |
| Commercial and industrial loans | $3,532,772 |
| To non-U.S. addressees | $190,131 |
| Loans to individuals | $684,028 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $684,028 |
| All other loans & leases | $359,351 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $359,351 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $8,936 |
| Non 1-4 family restructured loans & leases | $8,936 |
| Total loans and leases (foreign) | $0 |
Stifel Bank and Trust had $7,655,237,000 of loans outstanding in 2018. $3,162,014,000 of loans were in real estate loans. $91,601,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $2,941,203,000 of loans were in 1-4 family mortgage loans. $2,207,000 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 2 | $969 | $484,500 |
| Nonfarm, nonresidential loans - $250k-1MM | 2 | $969 | $484,500 |
| Commercial & Industrial, US addressed loans - <$1MM | 549 | $248,375 | $452,413 |
| Commercial & Industrial, US addressed loans - <$100k | 71 | $5,967 | $84,042 |
| Commercial & Industrial, US addressed loans - $100-250k | 162 | $32,582 | $201,123 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 316 | $209,826 | $664,006 |
| Agriculture operations loans - <$1MM | 5 | $463 | $92,600 |
| Agriculture operations loans - <$100k | 1 | $46 | $46,000 |
| Agriculture operations loans - $100-250k | 4 | $417 | $104,250 |