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 and Refi 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, San Francisco, and San Diego among others. We have data for 383 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
6,642Origination Dollar Volume (All Markets)
$2,412,680,000Employee count
182Awards
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Stifel Bank and Trust - 2019
Stifel Bank and Trust is a 2019 , due to their low .
For 2019, 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) | 2,493 | $682,325,000 | $273,696 | $2,325 | 3.79% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 262 | $169,800,000 | $648,092 | $4,593 | 3.62% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 141 | $131,985,000 | $936,064 | $3,934 | 3.42% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 79 | $74,715,000 | $945,759 | $3,176 | 3.26% |
| Outside of Metro Areas | 125 | $53,065,000 | $424,520 | $2,837 | 3.68% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 72 | $49,190,000 | $683,194 | $3,838 | 3.51% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 62 | $47,050,000 | $758,871 | $5,244 | 3.53% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 85 | $43,715,000 | $514,294 | $3,199 | 3.59% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 76 | $42,810,000 | $563,289 | $3,333 | 3.65% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 96 | $42,210,000 | $439,688 | $2,908 | 3.47% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 67 | $37,915,000 | $565,896 | $3,618 | 3.40% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 75 | $34,085,000 | $454,467 | $2,575 | 3.59% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 105 | $31,595,000 | $300,905 | $3,866 | 4.03% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 28 | $26,040,000 | $930,000 | $5,618 | 3.39% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 54 | $25,870,000 | $479,074 | $2,959 | 3.62% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 67 | $24,365,000 | $363,657 | $4,384 | 3.54% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 42 | $23,420,000 | $557,619 | $3,336 | 3.64% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 62 | $22,760,000 | $367,097 | $2,673 | 3.69% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 164 | $21,870,000 | $133,354 | $2,195 | 4.67% |
| Heber, UT (FHA|USDA|VA) | 13 | $20,215,000 | $1,555,000 | $4,351 | 2.91% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 43 | $18,415,000 | $428,256 | $3,753 | 3.72% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 42 | $17,160,000 | $408,571 | $3,187 | 3.55% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 24 | $16,930,000 | $705,417 | $3,563 | 3.30% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 45 | $16,705,000 | $371,222 | $4,126 | 3.86% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 35 | $16,205,000 | $463,000 | $2,500 | 3.53% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 49 | $15,995,000 | $326,429 | $3,093 | 3.72% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 38 | $15,900,000 | $418,421 | $3,591 | 3.59% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 115 | $15,695,000 | $136,478 | $2,507 | 4.66% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 49 | $15,505,000 | $316,429 | $2,449 | 3.94% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 18 | $12,900,000 | $716,667 | $2,823 | 3.38% |
| RENO, NV (FHA|USDA|VA) | 16 | $12,890,000 | $805,625 | $3,802 | 3.48% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 38 | $12,520,000 | $329,474 | $3,251 | 3.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 33 | $12,385,000 | $375,303 | $3,163 | 3.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 27 | $12,375,000 | $458,333 | $4,107 | 3.54% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 46 | $12,190,000 | $265,000 | $2,109 | 3.71% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 25 | $12,135,000 | $485,400 | $4,099 | 3.80% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 100 | $11,980,000 | $119,800 | $2,525 | 4.88% |
| Bozeman, MT (FHA|USDA|VA) | 29 | $11,405,000 | $393,276 | $3,040 | 3.69% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 31 | $11,365,000 | $366,613 | $2,644 | 3.69% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 13 | $10,805,000 | $831,154 | $2,631 | 3.43% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 35 | $10,715,000 | $306,143 | $2,552 | 3.74% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 15 | $10,445,000 | $696,333 | $4,970 | 3.88% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 15 | $9,605,000 | $640,333 | $2,839 | 3.49% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 28 | $9,480,000 | $338,571 | $2,492 | 3.53% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 14 | $8,880,000 | $634,286 | $4,393 | 3.49% |
| Edwards, CO (FHA|USDA|VA) | 8 | $8,040,000 | $1,005,000 | $2,837 | 3.19% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 14 | $7,970,000 | $569,286 | $4,025 | 3.67% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 16 | $7,410,000 | $463,125 | $2,537 | 3.90% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 14 | $7,060,000 | $504,286 | $2,490 | 3.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 23 | $6,845,000 | $297,609 | $3,887 | 3.90% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 23 | $6,765,000 | $294,130 | $3,450 | 3.86% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 23 | $6,745,000 | $293,261 | $2,675 | 3.71% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 21 | $6,665,000 | $317,381 | $3,544 | 3.76% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 15 | $6,595,000 | $439,667 | $2,513 | 3.59% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 16 | $6,550,000 | $409,375 | $3,060 | 3.61% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 18 | $6,440,000 | $357,778 | $3,674 | 3.65% |
| EL PASO, TX (FHA|USDA|VA) | 18 | $6,350,000 | $352,778 | $4,044 | 3.66% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 15 | $6,335,000 | $422,333 | $3,004 | 3.82% |
| NAPA, CA (FHA|USDA|VA) | 4 | $6,200,000 | $1,550,000 | $3,734 | 2.97% |
| Kapaa, HI (FHA|USDA|VA) | 4 | $6,090,000 | $1,522,500 | $5,723 | 3.22% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 28 | $6,040,000 | $215,714 | $3,836 | 3.80% |
| Sheridan, WY (FHA|USDA|VA) | 26 | $5,930,000 | $228,077 | $2,299 | 4.11% |
| RICHMOND, VA (FHA|USDA|VA) | 11 | $5,775,000 | $525,000 | $3,396 | 3.43% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $5,735,000 | $1,147,000 | $3,309 | 3.30% |
| BOISE CITY, ID (FHA|USDA|VA) | 19 | $5,705,000 | $300,263 | $3,455 | 3.81% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 5 | $5,465,000 | $1,093,000 | $5,360 | 3.45% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 19 | $5,405,000 | $284,474 | $1,727 | 3.71% |
| PITTSBURGH, PA (FHA|USDA|VA) | 15 | $5,365,000 | $357,667 | $3,919 | 3.86% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 11 | $5,245,000 | $476,818 | $3,710 | 3.85% |
| COLUMBUS, OH (FHA|USDA|VA) | 18 | $5,160,000 | $286,667 | $2,798 | 3.73% |
| MONTGOMERY, AL (FHA|USDA|VA) | 20 | $5,080,000 | $254,000 | $3,020 | 4.16% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 60 | $5,010,000 | $83,500 | $2,950 | 4.75% |
| REDDING, CA (FHA|USDA|VA) | 16 | $4,940,000 | $308,750 | $2,258 | 3.55% |
| SAVANNAH, GA (FHA|USDA|VA) | 15 | $4,715,000 | $314,333 | $3,157 | 3.58% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 31 | $4,485,000 | $144,677 | $2,401 | 4.47% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 10 | $4,030,000 | $403,000 | $2,869 | 3.75% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 10 | $4,010,000 | $401,000 | $3,385 | 3.51% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 8 | $3,970,000 | $496,250 | $2,712 | 3.59% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 23 | $3,865,000 | $168,043 | $3,119 | 4.24% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 13 | $3,865,000 | $297,308 | $4,619 | 3.79% |
| FORT COLLINS, CO (FHA|USDA|VA) | 11 | $3,855,000 | $350,455 | $2,310 | 3.41% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 13 | $3,835,000 | $295,000 | $2,792 | 3.76% |
| WILMINGTON, NC (FHA|USDA|VA) | 11 | $3,835,000 | $348,636 | $2,519 | 4.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $3,780,000 | $472,500 | $3,936 | 3.91% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $3,755,000 | $536,429 | $2,579 | 3.16% |
| SALEM, OR (FHA|USDA|VA) | 15 | $3,715,000 | $247,667 | $3,620 | 3.78% |
| Durango, CO (FHA|USDA|VA) | 4 | $3,550,000 | $887,500 | $4,547 | 3.38% |
| Milledgeville, GA (FHA|USDA|VA) | 13 | $3,445,000 | $265,000 | $2,644 | 3.60% |
| TUCSON, AZ (FHA|USDA|VA) | 10 | $3,430,000 | $343,000 | $3,635 | 3.64% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $3,400,000 | $566,667 | $4,371 | 3.67% |
| Glenwood Springs, CO (FHA|USDA|VA) | 6 | $3,400,000 | $566,667 | $4,967 | 3.33% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 10 | $3,390,000 | $339,000 | $2,736 | 3.54% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 14 | $3,300,000 | $235,714 | $1,995 | 3.52% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $3,150,000 | $315,000 | $2,579 | 3.39% |
| Outside of Metro Areas | 8 | $3,150,000 | $393,750 | $3,616 | 3.55% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 8 | $3,110,000 | $388,750 | $2,467 | 3.41% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $3,040,000 | $760,000 | $5,737 | 3.28% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $3,005,000 | $429,286 | $3,119 | 3.66% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $2,880,000 | $720,000 | $3,372 | 3.69% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 10 | $2,880,000 | $288,000 | $3,104 | 3.44% |
| Hilo, HI (FHA|USDA|VA) | 3 | $2,875,000 | $958,333 | $4,069 | 3.42% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 7 | $2,855,000 | $407,857 | $4,764 | 3.57% |
| Steamboat Springs, CO (FHA|USDA|VA) | 3 | $2,855,000 | $951,667 | $3,095 | 3.29% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $2,750,000 | $229,167 | $2,746 | 3.89% |
| COLUMBIA, MO (FHA|USDA|VA) | 9 | $2,695,000 | $299,444 | $1,703 | 3.46% |
| Breckenridge, CO (FHA|USDA|VA) | 4 | $2,680,000 | $670,000 | $3,309 | 3.63% |
| TULSA, OK (FHA|USDA|VA) | 14 | $2,650,000 | $189,286 | $3,728 | 4.01% |
| LOUISVILLE, KY (FHA|USDA|VA) | 11 | $2,645,000 | $240,455 | $2,459 | 4.05% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $2,895 | 3.79% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 11 | $2,555,000 | $232,273 | $2,201 | 3.90% |
| BISMARCK, ND (FHA|USDA|VA) | 9 | $2,505,000 | $278,333 | $2,344 | 3.60% |
| NILES, MI (FHA|USDA|VA) | 4 | $2,440,000 | $610,000 | $2,933 | 3.59% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 9 | $2,415,000 | $268,333 | $2,339 | 3.82% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 30 | $2,400,000 | $80,000 | $0 | 4.99% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $3,018 | 3.63% |
| CHICO, CA (FHA|USDA|VA) | 8 | $2,390,000 | $298,750 | $2,267 | 3.70% |
| MOBILE, AL (FHA|USDA|VA) | 10 | $2,300,000 | $230,000 | $2,629 | 3.83% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 9 | $2,275,000 | $252,778 | $3,842 | 3.74% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $2,220,000 | $555,000 | $2,641 | 3.53% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 5 | $2,175,000 | $435,000 | $1,770 | 3.93% |
| PROVO-OREM, UT (FHA|USDA|VA) | 7 | $2,135,000 | $305,000 | $3,974 | 3.82% |
| BEND, OR (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $3,207 | 3.89% |
| BILLINGS, MT (FHA|USDA|VA) | 6 | $2,050,000 | $341,667 | $3,921 | 3.21% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $2,045,000 | $681,667 | $4,332 | 3.46% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 22 | $1,970,000 | $89,545 | $2,666 | 4.95% |
| Cullowhee, NC (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $3,077 | 3.59% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 7 | $1,945,000 | $277,857 | $2,109 | 3.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $3,277 | 3.85% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 6 | $1,880,000 | $313,333 | $2,219 | 4.04% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,860,000 | $465,000 | $3,064 | 3.59% |
| ANN ARBOR, MI (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $2,398 | 3.80% |
| TOLEDO, OH (FHA|USDA|VA) | 7 | $1,795,000 | $256,429 | $3,223 | 3.46% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 7 | $1,755,000 | $250,714 | $2,489 | 3.36% |
| Newport, OR (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $3,050 | 3.72% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $2,891 | 3.57% |
| GREELEY, CO (FHA|USDA|VA) | 5 | $1,655,000 | $331,000 | $1,992 | 3.50% |
| ROCHESTER, NY (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $2,895 | 3.90% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $1,530,000 | $765,000 | $3,646 | 3.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $2,908 | 3.55% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $2,192 | 3.68% |
| Astoria, OR (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $4,220 | 4.03% |
| WACO, TX (FHA|USDA|VA) | 2 | $1,500,000 | $750,000 | $6,197 | 3.44% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $2,340 | 3.96% |
| Key West, FL (FHA|USDA|VA) | 1 | $1,465,000 | $1,465,000 | $9,120 | 3.25% |
| Brainerd, MN (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $2,779 | 3.73% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $3,407 | 3.31% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $2,390 | 3.71% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $2,280 | 3.50% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $10,266 | 3.50% |
| VALDOSTA, GA (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $2,300 | 3.59% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $3,790 | 3.46% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $3,102 | 4.05% |
| MADERA, CA (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $2,237 | 3.78% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $3,226 | 3.44% |
| Dickinson, ND (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $2,426 | 4.04% |
| WICHITA, KS (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $2,613 | 3.90% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $4,829 | 3.78% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $2,105 | 3.88% |
| Hailey, ID (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $3,786 | 3.29% |
| GLENS FALLS, NY (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $3,954 | 3.38% |
| WENATCHEE, WA (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $3,682 | 3.75% |
| Brevard, NC (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $2,675 | 3.25% |
| DULUTH, MN-WI (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $2,246 | 3.88% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $2,035 | 4.03% |
| ROCHESTER, MN (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $2,483 | 3.79% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $2,705 | 3.56% |
| MADISON, WI (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $1,922 | 3.16% |
| Kalispell, MT (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $2,330 | 3.44% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $4,229 | 3.56% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $2,319 | 3.69% |
| Torrington, CT (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $2,521 | 3.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $2,228 | 3.59% |
| LEBANON, PA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $3,283 | 3.66% |
| Boone, NC (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $3,532 | 3.38% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $2,188 | 3.81% |
| MANKATO, MN (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $2,496 | 3.45% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $2,887 | 3.46% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $3,446 | 4.13% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $3,363 | 4.09% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $2,397 | 3.78% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $1,547 | 3.79% |
| PEORIA, IL (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $1,864 | 3.75% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $3,015 | 3.31% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $2,945 | 3.58% |
| KANKAKEE, IL (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $1,914 | 3.48% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $3,908 | 3.96% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,142 | 3.79% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $2,017 | 3.46% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $2,828 | 3.91% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $2,858 | 3.94% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $2,264 | 3.75% |
| Ontario, OR-ID (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,362 | 4.20% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $2,425 | 3.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,565 | 3.31% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $2,573 | 4.33% |
| GREAT FALLS, MT (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $2,232 | 4.00% |
| DECATUR, AL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $3,439 | 3.71% |
| Crawfordsville, IN (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,023 | 3.33% |
| Farmington, MO (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,360 | 4.06% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,921 | 3.31% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $2,824 | 3.00% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $3,835 | 3.19% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $1,958 | 3.78% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,450 | 4.06% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,056 | 3.21% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,363 | 3.92% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 4.13% |
| Columbus, MS (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,118 | 2.88% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $1,826 | 4.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,786 | 3.44% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $2,941 | 3.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,740 | 3.31% |
| FLINT, MI (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $2,632 | 3.88% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,036 | 3.50% |
| Brenham, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,088 | 3.81% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,659 | 4.50% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $2,027 | 3.33% |
| CASPER, WY (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $1,027 | 3.56% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,200 | 3.81% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,056 | 3.44% |
| Centralia, WA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,976 | 3.31% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $1,919 | 3.25% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,552 | 4.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,235 | 3.44% |
| New Ulm, MN (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $2,377 | 3.33% |
| Fernley, NV (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,684 | 3.75% |
| Seneca, SC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,637 | 3.63% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,204 | 4.13% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $1,633 | 4.29% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $1,978 | 3.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,364 | 3.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,590 | 4.42% |
| Moberly, MO (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $1,400 | 3.42% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,357 | 2.50% |
| Bennington, VT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,684 | 4.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,736 | 3.88% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,036 | 3.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,354 | 3.63% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,719 | 3.56% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $1,932 | 3.44% |
| Mitchell, SD (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,268 | 3.31% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,850 | 4.42% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,732 | 4.13% |
| Marion, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,524 | 3.94% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,297 | 4.17% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $1,832 | 4.13% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,536 | 3.63% |
| Alamogordo, NM (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,412 | 3.50% |
| Somerset, PA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,038 | 3.88% |
| Washington, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,125 | 3.38% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $1,672 | 4.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,215 | 3.94% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,937 | 3.13% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,265 | 3.63% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,193 | 4.00% |
| Storm Lake, IA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,255 | 3.63% |
| MERCED, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,263 | 4.00% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,645 | 4.38% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,765 | 3.63% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,033 | 3.38% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,801 | 2.63% |
| Hannibal, MO (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,043 | 3.75% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,102 | 4.13% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,207 | 3.25% |
| Brookings, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,659 | 3.88% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $2,699 | 3.71% |
| Holland, MI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,659 | 3.38% |
| AKRON, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,129 | 4.38% |
| Jasper, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,754 | 3.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,158 | 3.38% |
| Easton, MD (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,316 | 3.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,978 | 3.50% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,766 | 3.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,494 | 3.50% |
| Kearney, NE (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,266 | 3.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,196 | 3.88% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 3.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,062 | 3.25% |
| Concord, NH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,240 | 4.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,454 | 3.38% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,070 | 3.25% |
| Hudson, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,954 | 3.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,721 | 3.13% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,334 | 4.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,552 | 3.38% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,119 | 3.13% |
| Palatka, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,620 | 2.75% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,172 | 3.38% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,892 | 3.88% |
| AMES, IA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,840 | 3.31% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,235 | 3.75% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,110 | 4.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,817 | 3.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,884 | 3.63% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,671 | 4.38% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,759 | 3.00% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,777 | 3.50% |
| Wooster, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,772 | 3.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,368 | 3.06% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $619 | 3.63% |
| Auburn, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,406 | 4.13% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,786 | 3.88% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,796 | 4.38% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,263 | 3.75% |
| Montrose, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.88% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,654 | 4.38% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,328 | 4.50% |
| Watertown, SD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,756 | 3.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,445 | 4.25% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,899 | 3.13% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.13% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,793 | 3.88% |
| JACKSON, TN (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,486 | 4.69% |
| Mason City, IA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,967 | 4.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,638 | 3.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,883 | 4.63% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,736 | 3.38% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,506 | 3.75% |
| Oxford, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,566 | 3.75% |
| Henderson, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,786 | 4.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,151 | 3.50% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,224 | 4.13% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,189 | 3.13% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,641 | 3.88% |
| Starkville, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,736 | 3.25% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,971 | 4.25% |
| Española, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,206 | 3.00% |
| Laurel, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,697 | 3.50% |
| TYLER, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,252 | 4.25% |
| West Plains, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,057 | 3.88% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,800 | 3.50% |
| Branson, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,306 | 3.75% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,432 | 3.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,493 | 3.88% |
| Palestine, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,999 | 2.75% |
| LIMA, OH (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,102 | 3.81% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,720 | 3.63% |
| Sanford, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,126 | 3.25% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,838 | 3.00% |
| Paris, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.25% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,349 | 4.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,526 | 4.38% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,614 | 3.75% |
| Marquette, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,772 | 3.75% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,051 | 3.88% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,938 | 3.63% |
| MONROE, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,208 | 3.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,693 | 3.63% |
| Murray, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,300 | 3.88% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,187 | 4.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,818 | 4.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,368 | 3.25% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,429 | 3.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,372 | 3.50% |
| London, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,171 | 3.88% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,065 | 3.25% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,353 | 3.75% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,565 | 4.50% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.50% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,054 | 3.38% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,821 | 3.63% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,591 | 3.75% |
| Keene, NH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,011 | 4.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,893 | 4.38% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $1,890 | 4.00% |
| READING, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,573 | 3.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.63% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,803 | 3.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.50% |
| Rolla, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,275 | 3.25% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,038 | 3.25% |
| Salem, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,086 | 4.50% |
| Platteville, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,639 | 3.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.13% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,031 | 4.13% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,772 | 4.38% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,889 | 3.88% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,779 | 4.13% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.13% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.38% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,476 | 5.00% |
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Product Mix
For 2019, Stifel Bank And Trust's most frequently originated type of loan was Conventional, with 6,117 originations. Their 2nd most popular type was FHA, with 340 originations.
Loan Reason
For 2019, Stifel Bank And Trust's most frequently cited loan purpose was Home Purchase, with 3,595 originations. The 2nd most popular reason was Refi, with 1,770 originations.
Loan Duration/Length
For 2019, Stifel Bank And Trust's most frequently cited loan duration was 30 Year, with 5,710 originations. The 2nd most popular length was 15 Year, with 733 originations.
Origination Fees/Closing Costs
Stifel Bank And Trust's average total fees were $3,000, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,429 originations.
Interest Rates
During 2019, Stifel Bank And Trust's average interest rate for loans was 3.86%, while their most frequently originated rate bucket for loans was 3-4%, with 4,106 originations.
Loan Sizing
2019 saw Stifel Bank And Trust place emphasis on $200k-400k loans with 2,561 originations, totaling $732,675,000 in origination value.
Applicant Income
Stifel Bank And Trust lent most frequently to those with incomes in the $100k-150k range, with 1,462 originations. The second most popular income band? $150k-250k, with 1,401 originations.
Applicant Debt to Income Ratio
Stifel Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 1,701 originations. The next most common DTI ratio? 30-36%, with 1,325 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.33%
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 origination89.02%
Stifel Bank And Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,642 | $2,412,680,000 | $363,246 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 6,642 | $2,412,680,000 | $363,246 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| STIFEL FINANCIAL CORP. | Conventional home mortgage | Struggling to pay mortgage | 1 | 33.3% |
| STIFEL FINANCIAL CORP. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |
| STIFEL FINANCIAL CORP. | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |
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 | $12,879,763 |
For 2019, Stifel Bank And Trust had 2 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $537,275 |
| Net interest income | $450,788 |
| Total noninterest income | $14,705 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $3 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $14,702 |
| Pre-tax net operating income | $348,794 |
| Securities gains (or losses, -) | $-262 |
| Income before extraordinary items | $259,918 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $259,918 |
| Minority interest net income | $1,590 |
| Net income | $258,328 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $260,124 |
Stifel Bank And Trust's gross interest income from loans was $537,275,000.
Stifel Bank And Trust's net interest income from loans was $450,788,000.
Stifel Bank And Trust's fee based income from loans was $3,000.
Stifel Bank And Trust's net income from loans was $258,328,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $86,487 |
| Provision for credit losses | $8,697 |
| Total noninterest expense | $108,002 |
| Salaries and employee benefits | $20,144 |
| Premises and equipment expense | $-10,688 |
| Additional noninterest expense | $98,546 |
| Applicable income taxes | $88,614 |
| Net charge-offs | $53 |
| Cash dividends | $425,000 |
Stifel Bank And Trust's interest expense for loans was $86,487,000.
Stifel Bank And Trust's payroll and benefits expense were $20,144,000.
Stifel Bank And Trust's property, plant and equipment expenses $-10,688,000.
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 | $12,727,031 |
| Deposits held in domestic offices | $12,727,031 |
| Deposits by Individuals, partnerships, and corporations | $12,724,586 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $2,364 |
| Deposits by Commercial banks and other depository institutions in U.S. | $81 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,081,534 |
| Demand deposits | $1,081,506 |
| Nontransaction accounts | $11,645,497 |
| Money market deposit accounts (MMDAs) | $11,249,608 |
| Other savings deposits (excluding MMDAs) | $1,027 |
| Total time deposits | $394,862 |
| Total time and savings deposits | $11,645,525 |
| Noninterest-bearing deposits | $35,752 |
| Interest-bearing deposits | $12,691,279 |
| Retail deposits | $11,530,627 |
| IRAs and Keogh plan accounts | $90 |
| Brokered deposits | $1,196,404 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $14,144,676 |
| Cash & Balances due from depository institutions | $100,378 |
| Interest-bearing balances | $69,097 |
| Total securities | $4,759,916 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $8,857,931 |
| Loan and leases loss allowance | $93,779 |
| Trading account assets | $106 |
| Bank premises and fixed assets | $251,989 |
| Other real estate owned | $122 |
| Goodwill and other intangibles | $21,813 |
| All other assets | $152,421 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $14,144,676 |
| Total Liabilities | $13,082,176 |
| Total deposits | $12,727,031 |
| Interest-bearing deposits | $12,691,279 |
| Deposits held in domestic offices | $12,727,031 |
| % insured (estimated) | $91 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $106 |
| Other borrowed funds | $258,923 |
| Subordinated debt | $0 |
| All other liabilities | $96,116 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $8,857,931 |
| Loan and leases loss allowance | $93,779 |
| Total loans and leases (domestic) | $8,951,710 |
| All real estate loans | $4,006,259 |
| Real estate loans in domestic offices | $4,006,259 |
| Construction and development loans | $314,821 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $314,821 |
| Loans secured by nonfarm nonresidential properties | $256,205 |
| Nonfarm nonresidential secured by owner-occupied properties | $42,280 |
| Commercial real estate & other non-farm, non-residential | $213,925 |
| Multifamily residential real estate | $0 |
| 1-4 family residential loans | $3,435,233 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $2,371 |
| Commercial and industrial loans | $3,524,911 |
| To non-U.S. addressees | $95,722 |
| Loans to individuals | $1,003,837 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $1,003,837 |
| All other loans & leases | $414,332 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $414,332 |
| 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 | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Stifel Bank and Trust had $8,857,931,000 of loans outstanding in 2019. $4,006,259,000 of loans were in real estate loans. $314,821,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $3,435,233,000 of loans were in 1-4 family mortgage loans. $2,371,000 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 | 1 | $803 | $803,000 |
| Nonfarm, nonresidential loans - $250k-1MM | 1 | $803 | $803,000 |
| Commercial & Industrial, US addressed loans - <$1MM | 489 | $184,339 | $376,971 |
| Commercial & Industrial, US addressed loans - <$100k | 88 | $6,849 | $77,830 |
| Commercial & Industrial, US addressed loans - $100-250k | 137 | $18,561 | $135,482 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 264 | $158,929 | $602,004 |
| Agriculture operations loans - <$1MM | 5 | $295 | $59,000 |
| Agriculture operations loans - $100-250k | 4 | $200 | $50,000 |
| Agriculture operations loans - $250k-1MM | 1 | $95 | $95,000 |