Citizens Bank Mortgage Rates, Fees & Info

Providence, RI

LEI: DRMSV1Q0EKMEXLAU1P80

Tax ID: 20-2635739

5 stars - Updated: 3/4/24 - out of 5 stars, based on 318 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Citizens Bank is a large bank specializing in Home Purchase and Refi loans. Citizens Bank 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: New York, Boston, Philadelphia, Providence, and Pittsburgh among others. We have data for 701 markets. (Some data included below & more in-depth data is available with an active subscription.)

Citizens Bank 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. Citizens Bank 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
Home Equity Line of Credit (HELOC) 6.27% 3/4/24
30 Year Conventional Purchase 6.45% 3/4/24
30 Year Conventional Refi 6.41% 3/4/24
30 Year Cash-out Refi 6.68% 3/4/24
30 Year FHA Purchase 7.07% 3/4/24
30 Year FHA Refi 6.82% 3/4/24
30 Year VA Purchase 6.15% 3/4/24
30 Year VA Refi 6.00% 3/4/24
30 Year USDA Purchase 6.83% 3/4/24
30 Year USDA Refi 6.58% 3/4/24
15 Year Conventional Purchase 6.00% 3/4/24
15 Year Conventional Refi 6.01% 3/4/24
15 Year Cash-out Refi 6.01% 3/4/24
15 Year FHA Purchase 6.24% 3/4/24
15 Year FHA Refi 6.23% 3/4/24
15 Year VA Purchase 6.39% 3/4/24
15 Year VA Refi 5.87% 3/4/24
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.

Citizens Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Citizens Bank. 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

101,366

Origination Dollar Volume (All Markets)

$25,374,430,000
Show all (202) awards

Relative Rate

Citizens Bank's average 30 year fixed mortgage rate was 4.48%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.28%.

Relative Fees (Closing Costs)

Citizens Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,013.

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

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 12,759 $5,519,765,000 $432,617 $8,705 4.79%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 10,965 $2,872,145,000 $261,938 $5,709 4.59%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 10,407 $2,199,535,000 $211,351 $7,321 4.82%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5,592 $926,850,000 $165,746 $4,737 4.93%
PITTSBURGH, PA (FHA|USDA|VA) 5,569 $909,115,000 $163,246 $6,380 4.91%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1,665 $661,715,000 $397,426 $9,938 5.22%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4,350 $619,110,000 $142,324 $4,052 4.89%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1,368 $583,870,000 $426,806 $8,633 4.73%
Outside of Metro Areas 1,682 $414,220,000 $246,266 $5,820 4.85%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1,365 $393,145,000 $288,018 $9,471 5.52%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2,698 $345,780,000 $128,162 $4,844 4.99%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2,302 $294,170,000 $127,789 $4,654 5.29%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 698 $278,780,000 $399,398 $7,186 4.60%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1,138 $257,560,000 $226,327 $6,329 5.04%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1,009 $256,455,000 $254,167 $6,285 5.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 697 $242,875,000 $348,458 $8,177 4.49%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1,257 $235,615,000 $187,442 $4,218 4.75%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1,137 $232,465,000 $204,455 $6,585 4.98%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 360 $227,950,000 $633,194 $7,551 4.19%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 953 $217,445,000 $228,169 $5,363 4.57%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 281 $204,385,000 $727,349 $6,935 4.08%
WORCESTER, MA-CT (FHA|USDA|VA) 1,122 $199,100,000 $177,451 $5,562 5.08%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 725 $180,695,000 $249,234 $8,171 5.29%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 583 $158,725,000 $272,256 $7,896 5.19%
OCEAN CITY, NJ (FHA|USDA|VA) 286 $151,770,000 $530,664 $8,685 4.41%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 354 $147,610,000 $416,977 $8,318 4.47%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 377 $145,315,000 $385,451 $6,827 4.62%
ROCHESTER, NY (FHA|USDA|VA) 1,171 $134,605,000 $114,949 $4,539 5.32%
SPRINGFIELD, MA (FHA|USDA|VA) 864 $132,470,000 $153,322 $5,773 5.11%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 641 $126,365,000 $197,137 $7,158 4.79%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 175 $120,215,000 $686,943 $9,358 4.67%
SALISBURY, MD-DE (FHA|USDA|VA) 396 $118,390,000 $298,965 $8,352 4.92%
JACKSONVILLE, FL (FHA|USDA|VA) 449 $114,575,000 $255,178 $8,916 5.13%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 459 $112,105,000 $244,237 $7,028 5.59%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 751 $111,785,000 $148,848 $4,620 4.99%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 191 $108,315,000 $567,094 $10,104 4.59%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 323 $104,305,000 $322,926 $6,469 4.54%
AKRON, OH (FHA|USDA|VA) 874 $103,990,000 $118,982 $4,324 4.94%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 585 $102,885,000 $175,872 $6,531 5.15%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 464 $92,720,000 $199,828 $8,167 5.15%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 321 $88,185,000 $274,720 $8,168 5.01%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 523 $86,025,000 $164,484 $5,105 5.02%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 199 $83,235,000 $418,266 $6,465 4.54%
READING, PA (FHA|USDA|VA) 540 $81,790,000 $151,463 $7,072 5.20%
LANCASTER, PA (FHA|USDA|VA) 449 $79,275,000 $176,559 $8,198 4.94%
TOLEDO, OH (FHA|USDA|VA) 671 $77,915,000 $116,118 $4,561 5.14%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 441 $75,705,000 $171,667 $5,321 5.09%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 254 $73,150,000 $287,992 $6,512 5.09%
STATE COLLEGE, PA (FHA|USDA|VA) 294 $72,390,000 $246,224 $7,669 4.78%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 306 $71,960,000 $235,163 $8,022 4.97%
COLUMBUS, OH (FHA|USDA|VA) 354 $71,300,000 $201,412 $6,034 5.04%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 197 $67,375,000 $342,005 $7,925 5.27%
Concord, NH (FHA|USDA|VA) 408 $67,120,000 $164,510 $4,292 4.67%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 252 $67,090,000 $266,230 $8,676 5.04%
LOUISVILLE, KY (FHA|USDA|VA) 273 $66,945,000 $245,220 $5,057 4.76%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 91 $66,715,000 $733,132 $9,219 4.55%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 296 $65,710,000 $221,993 $4,308 5.34%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 293 $64,865,000 $221,382 $6,725 5.03%
CANTON-MASSILLON, OH (FHA|USDA|VA) 582 $63,980,000 $109,931 $4,491 5.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 245 $63,055,000 $257,367 $3,897 4.72%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 245 $63,015,000 $257,204 $5,769 4.77%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 246 $62,530,000 $254,187 $4,267 4.69%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 163 $61,805,000 $379,172 $9,797 5.03%
KNOXVILLE, TN (FHA|USDA|VA) 196 $60,870,000 $310,561 $5,592 4.52%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 222 $60,490,000 $272,477 $5,206 4.52%
Kill Devil Hills, NC (FHA|USDA|VA) 109 $60,445,000 $554,541 $7,602 4.33%
RICHMOND, VA (FHA|USDA|VA) 284 $59,030,000 $207,852 $6,011 5.33%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 170 $57,200,000 $336,471 $7,935 4.60%
Lebanon, NH-VT (FHA|USDA|VA) 295 $55,365,000 $187,678 $4,775 4.71%
BOWLING GREEN, KY (FHA|USDA|VA) 220 $55,050,000 $250,227 $3,391 4.57%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 429 $53,445,000 $124,580 $5,654 5.07%
YORK-HANOVER, PA (FHA|USDA|VA) 299 $53,335,000 $178,378 $7,043 4.91%
PORT ST. LUCIE, FL (FHA|USDA|VA) 195 $52,975,000 $271,667 $7,455 5.07%
Laconia, NH (FHA|USDA|VA) 219 $50,945,000 $232,626 $5,292 4.80%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 129 $49,915,000 $386,938 $5,431 4.01%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 73 $49,835,000 $682,671 $8,288 4.68%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 90 $38,820,000 $431,333 $8,382 4.37%
ROANOKE, VA (FHA|USDA|VA) 157 $38,655,000 $246,210 $6,137 5.01%
ERIE, PA (FHA|USDA|VA) 292 $38,000,000 $130,137 $6,162 4.89%
SYRACUSE, NY (FHA|USDA|VA) 328 $37,830,000 $115,335 $4,426 5.39%
WINSTON-SALEM, NC (FHA|USDA|VA) 75 $35,785,000 $477,133 $6,499 4.08%
ASHEVILLE, NC (FHA|USDA|VA) 92 $35,740,000 $388,478 $6,097 4.41%
RALEIGH-CARY, NC (FHA|USDA|VA) 82 $35,700,000 $435,366 $5,475 4.40%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 89 $35,465,000 $398,483 $7,037 4.47%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 348 $35,420,000 $101,782 $4,707 5.26%
EAST STROUDSBURG, PA (FHA|USDA|VA) 248 $34,980,000 $141,048 $6,746 5.22%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 66 $34,890,000 $528,636 $6,306 4.69%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 48 $33,670,000 $701,458 $8,453 4.24%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 138 $33,140,000 $240,145 $5,933 4.33%
Torrington, CT (FHA|USDA|VA) 144 $31,190,000 $216,597 $5,962 5.39%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 67 $31,055,000 $463,507 $7,691 4.04%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 57 $30,895,000 $542,018 $5,132 4.42%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 153 $30,735,000 $200,882 $5,383 5.01%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 63 $30,725,000 $487,698 $11,858 5.28%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 133 $30,715,000 $230,940 $7,405 5.14%
LYNCHBURG, VA (FHA|USDA|VA) 116 $30,400,000 $262,069 $5,853 4.81%
DOVER, DE (FHA|USDA|VA) 223 $30,375,000 $136,211 $5,185 5.41%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 102 $29,490,000 $289,118 $4,280 4.24%
LAFAYETTE, LA (FHA|USDA|VA) 85 $29,325,000 $345,000 $5,294 4.33%
LAKE CHARLES, LA (FHA|USDA|VA) 130 $29,270,000 $225,154 $4,245 4.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 120 $29,200,000 $243,333 $6,508 4.76%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 95 $28,885,000 $304,053 $3,158 4.33%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 74 $26,870,000 $363,108 $5,908 4.54%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 93 $26,675,000 $286,828 $5,544 4.57%
KINGSTON, NY (FHA|USDA|VA) 127 $26,645,000 $209,803 $8,415 5.20%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 111 $26,035,000 $234,550 $7,107 5.07%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 56 $25,650,000 $458,036 $7,379 4.72%
LINCOLN, NE (FHA|USDA|VA) 103 $24,515,000 $238,010 $3,155 4.11%
ANN ARBOR, MI (FHA|USDA|VA) 148 $23,820,000 $160,946 $5,338 4.85%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 46 $23,400,000 $508,696 $7,639 3.94%
Vineyard Haven, MA (FHA|USDA|VA) 41 $22,625,000 $551,829 $7,406 4.01%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 62 $22,350,000 $360,484 $5,440 5.14%
Georgetown, SC (FHA|USDA|VA) 41 $22,275,000 $543,293 $6,999 4.40%
ALTOONA, PA (FHA|USDA|VA) 178 $20,980,000 $117,865 $5,816 5.11%
HOT SPRINGS, AR (FHA|USDA|VA) 82 $20,760,000 $253,171 $4,839 4.36%
TULSA, OK (FHA|USDA|VA) 87 $20,555,000 $236,264 $6,395 4.93%
KANSAS CITY, MO-KS (FHA|USDA|VA) 70 $20,290,000 $289,857 $4,697 4.40%
PUNTA GORDA, FL (FHA|USDA|VA) 75 $19,595,000 $261,267 $7,841 5.12%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 84 $19,030,000 $226,548 $5,180 4.65%
Sevierville, TN (FHA|USDA|VA) 43 $18,595,000 $432,442 $7,742 4.54%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 23 $18,575,000 $807,609 $8,445 3.98%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 80 $18,180,000 $227,250 $7,030 4.63%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 20 $17,640,000 $882,000 $9,183 4.55%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 88 $17,370,000 $197,386 $4,184 4.25%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 58 $17,230,000 $297,069 $5,341 4.99%
GLENS FALLS, NY (FHA|USDA|VA) 134 $16,870,000 $125,896 $4,301 5.35%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 61 $15,895,000 $260,574 $5,957 4.48%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 135 $15,605,000 $115,593 $3,549 5.04%
HUNTSVILLE, AL (FHA|USDA|VA) 52 $15,360,000 $295,385 $5,214 4.78%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 49 $15,295,000 $312,143 $5,495 4.84%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 98 $15,030,000 $153,367 $4,550 5.23%
COLUMBIA, SC (FHA|USDA|VA) 57 $15,005,000 $263,246 $5,978 4.86%
New Castle, PA (FHA|USDA|VA) 114 $14,900,000 $130,702 $6,196 5.42%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 50 $14,540,000 $290,800 $5,933 4.59%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 42 $14,330,000 $341,190 $9,336 5.19%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 46 $14,040,000 $305,217 $4,920 4.74%
Rutland, VT (FHA|USDA|VA) 79 $13,805,000 $174,747 $5,882 4.87%
UTICA-ROME, NY (FHA|USDA|VA) 148 $13,620,000 $92,027 $4,125 5.77%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 36 $13,580,000 $377,222 $4,560 3.71%
PITTSFIELD, MA (FHA|USDA|VA) 78 $12,630,000 $161,923 $5,854 4.97%
Key West, FL (FHA|USDA|VA) 22 $12,480,000 $567,273 $16,384 4.95%
JONESBORO, AR (FHA|USDA|VA) 47 $12,155,000 $258,617 $4,776 4.60%
Easton, MD (FHA|USDA|VA) 13 $11,885,000 $914,231 $13,111 5.75%
MONROE, MI (FHA|USDA|VA) 102 $11,830,000 $115,980 $4,974 5.39%
OKLAHOMA CITY, OK (FHA|USDA|VA) 45 $11,815,000 $262,556 $6,111 4.69%
BINGHAMTON, NY (FHA|USDA|VA) 132 $11,800,000 $89,394 $4,807 5.90%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 61 $11,755,000 $192,705 $4,707 4.47%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 50 $11,480,000 $229,600 $5,340 4.86%
ABILENE, TX (FHA|USDA|VA) 49 $11,445,000 $233,571 $5,141 4.94%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 22 $11,410,000 $518,636 $7,413 3.75%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 46 $11,380,000 $247,391 $4,697 4.79%
GETTYSBURG, PA (FHA|USDA|VA) 49 $11,225,000 $229,082 $8,445 4.85%
Hudson, NY (FHA|USDA|VA) 35 $11,115,000 $317,571 $6,296 4.51%
Barre, VT (FHA|USDA|VA) 42 $11,110,000 $264,524 $5,568 4.85%
EL PASO, TX (FHA|USDA|VA) 42 $10,710,000 $255,000 $8,097 4.50%
FLINT, MI (FHA|USDA|VA) 88 $10,070,000 $114,432 $4,094 5.30%
CUMBERLAND, MD-WV (FHA|USDA|VA) 59 $9,875,000 $167,373 $4,735 4.88%
Bennington, VT (FHA|USDA|VA) 33 $9,705,000 $294,091 $5,334 4.70%
LEBANON, PA (FHA|USDA|VA) 50 $9,470,000 $189,400 $6,295 5.08%
MADISON, WI (FHA|USDA|VA) 24 $9,460,000 $394,167 $2,932 4.69%
Bardstown, KY (FHA|USDA|VA) 45 $9,365,000 $208,111 $5,816 4.77%
Keene, NH (FHA|USDA|VA) 62 $9,150,000 $147,581 $4,791 5.27%
PANAMA CITY, FL (FHA|USDA|VA) 29 $9,025,000 $311,207 $6,497 5.50%
OCALA, FL (FHA|USDA|VA) 60 $8,760,000 $146,000 $6,401 5.55%
STOCKTON, CA (FHA|USDA|VA) 18 $8,640,000 $480,000 $6,744 4.98%
HARRISONBURG, VA (FHA|USDA|VA) 30 $8,420,000 $280,667 $5,736 5.21%
TUSCALOOSA, AL (FHA|USDA|VA) 29 $8,355,000 $288,103 $5,773 4.27%
Traverse City, MI (FHA|USDA|VA) 28 $8,190,000 $292,500 $4,763 4.86%
LUBBOCK, TX (FHA|USDA|VA) 32 $8,140,000 $254,375 $5,248 5.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 45 $8,125,000 $180,556 $5,737 5.29%
Cookeville, TN (FHA|USDA|VA) 34 $7,950,000 $233,824 $3,091 4.07%
Salem, OH (FHA|USDA|VA) 79 $7,925,000 $100,316 $4,616 5.26%
DAYTON-KETTERING, OH (FHA|USDA|VA) 61 $7,735,000 $126,803 $5,091 5.51%
Berlin, NH (FHA|USDA|VA) 55 $7,425,000 $135,000 $4,303 4.73%
Boone, NC (FHA|USDA|VA) 14 $7,410,000 $529,286 $7,385 4.03%
THE VILLAGES, FL (FHA|USDA|VA) 37 $7,335,000 $198,243 $5,933 5.69%
BISMARCK, ND (FHA|USDA|VA) 26 $7,130,000 $274,231 $5,992 4.25%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 11 $7,005,000 $636,818 $9,976 4.35%
MONROE, LA (FHA|USDA|VA) 26 $6,770,000 $260,385 $4,596 4.98%
Edwards, CO (FHA|USDA|VA) 2 $6,750,000 $3,375,000 $8,061 4.66%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 30 $6,630,000 $221,000 $5,604 4.15%
WILMINGTON, NC (FHA|USDA|VA) 15 $6,525,000 $435,000 $7,769 4.77%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 32 $6,510,000 $203,438 $5,734 4.03%
Pottsville, PA (FHA|USDA|VA) 42 $6,330,000 $150,714 $6,459 5.56%
SAGINAW, MI (FHA|USDA|VA) 63 $6,065,000 $96,270 $4,179 5.20%
MORRISTOWN, TN (FHA|USDA|VA) 29 $5,945,000 $205,000 $6,072 4.86%
ODESSA, TX (FHA|USDA|VA) 25 $5,825,000 $233,000 $8,734 4.06%
TUCSON, AZ (FHA|USDA|VA) 21 $5,685,000 $270,714 $5,165 4.26%
Meadville, PA (FHA|USDA|VA) 55 $5,455,000 $99,182 $5,506 5.45%
JACKSON, MS (FHA|USDA|VA) 22 $5,410,000 $245,909 $6,412 4.26%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 36 $5,330,000 $148,056 $5,002 5.33%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 34 $5,210,000 $153,235 $4,103 4.92%
DALTON, GA (FHA|USDA|VA) 24 $5,200,000 $216,667 $5,635 4.48%
CORPUS CHRISTI, TX (FHA|USDA|VA) 17 $5,095,000 $299,706 $8,773 4.57%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 41 $5,075,000 $123,780 $6,220 5.45%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $5,055,000 $722,143 $9,727 4.00%
SPRINGFIELD, OH (FHA|USDA|VA) 9 $5,005,000 $556,111 $4,640 5.72%
GAINESVILLE, FL (FHA|USDA|VA) 25 $5,005,000 $200,200 $6,157 5.24%
HINESVILLE, GA (FHA|USDA|VA) 23 $4,865,000 $211,522 $7,895 4.89%
SIOUX FALLS, SD (FHA|USDA|VA) 21 $4,825,000 $229,762 $5,329 4.51%
BATON ROUGE, LA (FHA|USDA|VA) 20 $4,760,000 $238,000 $5,100 3.99%
VALLEJO, CA (FHA|USDA|VA) 10 $4,740,000 $474,000 $5,627 4.29%
Portsmouth, OH (FHA|USDA|VA) 52 $4,740,000 $91,154 $4,492 5.27%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 17 $4,735,000 $278,529 $7,598 4.65%
NILES, MI (FHA|USDA|VA) 19 $4,675,000 $246,053 $7,580 5.59%
Heber, UT (FHA|USDA|VA) 1 $4,655,000 $4,655,000 $10,720 4.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 15 $4,625,000 $308,333 $6,486 4.67%
GAINESVILLE, GA (FHA|USDA|VA) 14 $4,470,000 $319,286 $6,847 4.76%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 20 $4,460,000 $223,000 $7,592 4.84%
Oil City, PA (FHA|USDA|VA) 38 $4,450,000 $117,105 $6,233 5.11%
Oneonta, NY (FHA|USDA|VA) 26 $4,390,000 $168,846 $4,649 4.59%
STAUNTON, VA (FHA|USDA|VA) 13 $4,355,000 $335,000 $7,539 5.10%
DeRidder, LA (FHA|USDA|VA) 15 $4,335,000 $289,000 $4,366 5.10%
Paragould, AR (FHA|USDA|VA) 17 $4,305,000 $253,235 $5,805 4.68%
CEDAR RAPIDS, IA (FHA|USDA|VA) 23 $4,295,000 $186,739 $2,458 3.14%
Cullman, AL (FHA|USDA|VA) 16 $4,110,000 $256,875 $3,829 4.52%
MODESTO, CA (FHA|USDA|VA) 11 $4,105,000 $373,182 $7,451 5.11%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 20 $4,040,000 $202,000 $8,249 6.04%
Wooster, OH (FHA|USDA|VA) 31 $4,035,000 $130,161 $4,190 4.90%
Danville, VA (FHA|USDA|VA) 24 $3,900,000 $162,500 $4,495 5.38%
Brevard, NC (FHA|USDA|VA) 7 $3,845,000 $549,286 $6,567 3.66%
Jennings, LA (FHA|USDA|VA) 20 $3,830,000 $191,500 $4,365 4.52%
Huntsville, TX (FHA|USDA|VA) 8 $3,790,000 $473,750 $8,316 4.39%
ST. CLOUD, MN (FHA|USDA|VA) 16 $3,780,000 $236,250 $4,289 4.37%
WILLIAMSPORT, PA (FHA|USDA|VA) 20 $3,760,000 $188,000 $7,411 4.48%
LAWRENCE, KS (FHA|USDA|VA) 9 $3,745,000 $416,111 $6,206 4.17%
BRUNSWICK, GA (FHA|USDA|VA) 12 $3,740,000 $311,667 $8,457 4.43%
Starkville, MS (FHA|USDA|VA) 17 $3,665,000 $215,588 $7,285 4.40%
St. Marys, GA (FHA|USDA|VA) 15 $3,665,000 $244,333 $8,674 4.78%
LAREDO, TX (FHA|USDA|VA) 9 $3,655,000 $406,111 $11,064 4.65%
NAPA, CA (FHA|USDA|VA) 4 $3,640,000 $910,000 $12,164 4.50%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 32 $3,570,000 $111,563 $4,230 5.09%
Athens, TX (FHA|USDA|VA) 11 $3,545,000 $322,273 $7,835 4.64%
Indiana, PA (FHA|USDA|VA) 27 $3,515,000 $130,185 $5,908 5.48%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 17 $3,475,000 $204,412 $8,285 5.21%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 20 $3,470,000 $173,500 $6,430 5.06%
Lewistown, PA (FHA|USDA|VA) 37 $3,455,000 $93,378 $5,309 5.24%
Opelousas, LA (FHA|USDA|VA) 16 $3,400,000 $212,500 $5,240 4.71%
Gloversville, NY (FHA|USDA|VA) 41 $3,315,000 $80,854 $4,891 5.70%
JACKSONVILLE, NC (FHA|USDA|VA) 10 $3,240,000 $324,000 $7,027 4.76%
MIDLAND, TX (FHA|USDA|VA) 11 $3,225,000 $293,182 $7,076 4.54%
CLEVELAND, TN (FHA|USDA|VA) 18 $3,210,000 $178,333 $4,428 4.51%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 15 $3,205,000 $213,667 $5,419 5.69%
Forest City, NC (FHA|USDA|VA) 7 $3,185,000 $455,000 $9,466 5.43%
FLORENCE, SC (FHA|USDA|VA) 21 $3,175,000 $151,190 $3,174 3.83%
WINCHESTER, VA-WV (FHA|USDA|VA) 27 $3,155,000 $116,852 $4,630 5.50%
Crossville, TN (FHA|USDA|VA) 15 $3,065,000 $204,333 $3,904 4.62%
JOHNSON CITY, TN (FHA|USDA|VA) 13 $3,055,000 $235,000 $5,327 3.94%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 15 $3,015,000 $201,000 $7,466 4.28%
Sandusky, OH (FHA|USDA|VA) 20 $3,010,000 $150,500 $6,035 4.90%
HATTIESBURG, MS (FHA|USDA|VA) 12 $3,000,000 $250,000 $6,812 4.08%
Sunbury, PA (FHA|USDA|VA) 26 $2,980,000 $114,615 $5,431 5.43%
Lewisburg, PA (FHA|USDA|VA) 13 $2,965,000 $228,077 $8,631 4.65%
MOBILE, AL (FHA|USDA|VA) 14 $2,960,000 $211,429 $4,757 4.54%
JOHNSTOWN, PA (FHA|USDA|VA) 25 $2,955,000 $118,200 $5,908 5.62%
Clovis, NM (FHA|USDA|VA) 15 $2,895,000 $193,000 $3,716 3.84%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 10 $2,890,000 $289,000 $6,413 4.41%
RACINE, WI (FHA|USDA|VA) 10 $2,870,000 $287,000 $2,654 4.31%
Whitewater, WI (FHA|USDA|VA) 7 $2,855,000 $407,857 $4,356 4.06%
Oxford, MS (FHA|USDA|VA) 10 $2,840,000 $284,000 $6,048 4.41%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 18 $2,840,000 $157,778 $6,005 4.78%
New Philadelphia-Dover, OH (FHA|USDA|VA) 30 $2,820,000 $94,000 $4,546 5.30%
FORT WAYNE, IN (FHA|USDA|VA) 20 $2,790,000 $139,500 $4,364 5.12%
DuBois, PA (FHA|USDA|VA) 18 $2,720,000 $151,111 $5,794 4.63%
MONTGOMERY, AL (FHA|USDA|VA) 8 $2,710,000 $338,750 $8,493 4.94%
SALT LAKE CITY, UT (FHA|USDA|VA) 10 $2,680,000 $268,000 $4,727 3.96%
Plainview, TX (FHA|USDA|VA) 2 $2,670,000 $1,335,000 $2,651 3.91%
SAVANNAH, GA (FHA|USDA|VA) 14 $2,650,000 $189,286 $4,990 5.35%
Glenwood Springs, CO (FHA|USDA|VA) 2 $2,630,000 $1,315,000 $12,290 4.19%
Talladega-Sylacauga, AL (FHA|USDA|VA) 5 $2,625,000 $525,000 $4,708 5.57%
Augusta-Waterville, ME (FHA|USDA|VA) 15 $2,575,000 $171,667 $4,921 4.39%
Richmond-Berea, KY (FHA|USDA|VA) 12 $2,530,000 $210,833 $3,994 4.23%
JACKSON, MI (FHA|USDA|VA) 28 $2,490,000 $88,929 $6,746 6.19%
RENO, NV (FHA|USDA|VA) 6 $2,440,000 $406,667 $6,486 4.60%
Shelbyville, TN (FHA|USDA|VA) 3 $2,415,000 $805,000 $10,087 3.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 26 $2,410,000 $92,692 $6,600 6.47%
Adrian, MI (FHA|USDA|VA) 20 $2,370,000 $118,500 $4,416 5.67%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $2,355,000 $471,000 $7,032 5.38%
Frankfort, KY (FHA|USDA|VA) 14 $2,350,000 $167,857 $4,966 6.05%
Brenham, TX (FHA|USDA|VA) 7 $2,335,000 $333,571 $8,969 4.21%
Glasgow, KY (FHA|USDA|VA) 10 $2,280,000 $228,000 $4,430 4.93%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 8 $2,270,000 $283,750 $1,902 4.81%
Sikeston, MO (FHA|USDA|VA) 14 $2,220,000 $158,571 $3,856 4.39%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $2,215,000 $316,429 $8,435 5.29%
TEXARKANA, TX-AR (FHA|USDA|VA) 11 $2,205,000 $200,455 $2,952 4.78%
Vidalia, GA (FHA|USDA|VA) 1 $2,205,000 $2,205,000 $0 3.45%
Rockport, TX (FHA|USDA|VA) 6 $2,200,000 $366,667 $8,467 4.96%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 7 $2,195,000 $313,571 $6,953 3.98%
Malvern, AR (FHA|USDA|VA) 11 $2,165,000 $196,818 $4,691 3.98%
HAMMOND, LA (FHA|USDA|VA) 8 $2,150,000 $268,750 $5,536 5.11%
GREENVILLE, NC (FHA|USDA|VA) 9 $2,145,000 $238,333 $4,277 5.11%
ITHACA, NY (FHA|USDA|VA) 14 $2,090,000 $149,286 $2,180 5.46%
FRESNO, CA (FHA|USDA|VA) 6 $2,080,000 $346,667 $6,011 4.21%
Corsicana, TX (FHA|USDA|VA) 7 $2,065,000 $295,000 $4,379 4.30%
Cleveland, MS (FHA|USDA|VA) 12 $2,050,000 $170,833 $7,126 4.65%
SALEM, OR (FHA|USDA|VA) 5 $2,045,000 $409,000 $9,204 4.63%
PINE BLUFF, AR (FHA|USDA|VA) 10 $2,030,000 $203,000 $4,464 4.15%
BANGOR, ME (FHA|USDA|VA) 16 $2,010,000 $125,625 $3,808 5.35%
Athens, TN (FHA|USDA|VA) 6 $2,000,000 $333,333 $4,279 4.43%
Huntingdon, PA (FHA|USDA|VA) 15 $1,995,000 $133,000 $5,462 4.42%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 12 $1,990,000 $165,833 $8,374 5.96%
TOPEKA, KS (FHA|USDA|VA) 11 $1,965,000 $178,636 $3,679 4.63%
PROVO-OREM, UT (FHA|USDA|VA) 5 $1,945,000 $389,000 $6,889 4.63%
Olean, NY (FHA|USDA|VA) 18 $1,940,000 $107,778 $3,738 5.67%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 12 $1,940,000 $161,667 $4,968 5.81%
Searcy, AR (FHA|USDA|VA) 8 $1,930,000 $241,250 $4,616 4.47%
BOISE CITY, ID (FHA|USDA|VA) 9 $1,925,000 $213,889 $4,777 3.42%
COLORADO SPRINGS, CO (FHA|USDA|VA) 7 $1,915,000 $273,571 $5,723 3.84%
Batavia, NY (FHA|USDA|VA) 19 $1,895,000 $99,737 $7,830 5.27%
ELMIRA, NY (FHA|USDA|VA) 17 $1,895,000 $111,471 $3,967 4.46%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 10 $1,890,000 $189,000 $5,237 5.25%
Plattsburgh, NY (FHA|USDA|VA) 17 $1,885,000 $110,882 $4,515 5.07%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 16 $1,870,000 $116,875 $4,147 4.23%
Granbury, TX (FHA|USDA|VA) 5 $1,865,000 $373,000 $5,272 5.38%
Picayune, MS (FHA|USDA|VA) 9 $1,855,000 $206,111 $5,277 3.17%
OWENSBORO, KY (FHA|USDA|VA) 9 $1,855,000 $206,111 $3,458 4.61%
TALLAHASSEE, FL (FHA|USDA|VA) 19 $1,845,000 $97,105 $7,037 5.63%
Greeneville, TN (FHA|USDA|VA) 8 $1,840,000 $230,000 $5,077 3.80%
Madisonville, KY (FHA|USDA|VA) 10 $1,840,000 $184,000 $3,994 4.48%
Seneca, SC (FHA|USDA|VA) 5 $1,815,000 $363,000 $5,760 4.38%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,800,000 $225,000 $4,441 3.53%
Columbus, MS (FHA|USDA|VA) 7 $1,785,000 $255,000 $6,510 4.14%
Somerset, PA (FHA|USDA|VA) 16 $1,780,000 $111,250 $5,525 5.83%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 6 $1,760,000 $293,333 $5,828 3.38%
CHARLESTON, WV (FHA|USDA|VA) 11 $1,745,000 $158,636 $4,057 3.49%
WARNER ROBINS, GA (FHA|USDA|VA) 8 $1,740,000 $217,500 $5,878 4.73%
Paducah, KY-IL (FHA|USDA|VA) 10 $1,740,000 $174,000 $2,994 4.55%
GRAND ISLAND, NE (FHA|USDA|VA) 9 $1,735,000 $192,778 $2,398 3.93%
SANTA FE, NM (FHA|USDA|VA) 5 $1,735,000 $347,000 $7,982 4.13%
Cullowhee, NC (FHA|USDA|VA) 6 $1,680,000 $280,000 $5,907 4.44%
Hays, KS (FHA|USDA|VA) 12 $1,680,000 $140,000 $4,116 4.03%
Ashtabula, OH (FHA|USDA|VA) 14 $1,660,000 $118,571 $4,805 6.03%
Tupelo, MS (FHA|USDA|VA) 6 $1,660,000 $276,667 $7,255 4.94%
Ogdensburg-Massena, NY (FHA|USDA|VA) 11 $1,655,000 $150,455 $4,502 4.93%
Alexander City, AL (FHA|USDA|VA) 7 $1,655,000 $236,429 $3,891 5.02%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,600,000 $800,000 $12,285 5.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 8 $1,580,000 $197,500 $3,940 3.78%
Breckenridge, CO (FHA|USDA|VA) 3 $1,575,000 $525,000 $5,787 4.67%
PEORIA, IL (FHA|USDA|VA) 17 $1,575,000 $92,647 $4,756 5.93%
Gainesville, TX (FHA|USDA|VA) 5 $1,535,000 $307,000 $7,563 4.33%
Hailey, ID (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $18,740 4.25%
Holland, MI (FHA|USDA|VA) 10 $1,500,000 $150,000 $2,993 5.04%
Findlay, OH (FHA|USDA|VA) 11 $1,495,000 $135,909 $8,908 5.84%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 7 $1,475,000 $210,714 $5,779 4.23%
FLAGSTAFF, AZ (FHA|USDA|VA) 4 $1,470,000 $367,500 $3,503 3.78%
WACO, TX (FHA|USDA|VA) 3 $1,465,000 $488,333 $9,121 4.67%
Middlesborough, KY (FHA|USDA|VA) 10 $1,440,000 $144,000 $2,828 4.84%
Lock Haven, PA (FHA|USDA|VA) 9 $1,425,000 $158,333 $8,196 5.42%
Woodward, OK (FHA|USDA|VA) 6 $1,420,000 $236,667 $3,557 5.21%
LONGVIEW, TX (FHA|USDA|VA) 6 $1,420,000 $236,667 $7,548 4.98%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $1,415,000 $471,667 $8,076 5.04%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 14 $1,410,000 $100,714 $4,714 5.33%
Paris, TX (FHA|USDA|VA) 7 $1,405,000 $200,714 $6,559 4.61%
BILLINGS, MT (FHA|USDA|VA) 7 $1,405,000 $200,714 $4,294 2.66%
FORT SMITH, AR-OK (FHA|USDA|VA) 8 $1,400,000 $175,000 $3,150 3.84%
Amsterdam, NY (FHA|USDA|VA) 18 $1,400,000 $77,778 $3,907 5.73%
Palatka, FL (FHA|USDA|VA) 9 $1,375,000 $152,778 $5,249 5.01%
ROCHESTER, MN (FHA|USDA|VA) 7 $1,365,000 $195,000 $4,607 5.88%
BLOOMINGTON, IN (FHA|USDA|VA) 8 $1,360,000 $170,000 $2,897 6.03%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $1,355,000 $451,667 $7,017 4.29%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 7 $1,325,000 $189,286 $3,903 4.23%
APPLETON, WI (FHA|USDA|VA) 6 $1,320,000 $220,000 $4,517 4.13%
Cortland, NY (FHA|USDA|VA) 15 $1,315,000 $87,667 $6,612 4.83%
NEW BERN, NC (FHA|USDA|VA) 4 $1,300,000 $325,000 $6,447 3.88%
Kalispell, MT (FHA|USDA|VA) 4 $1,300,000 $325,000 $5,375 2.94%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $1,285,000 $428,333 $12,862 4.54%
TYLER, TX (FHA|USDA|VA) 5 $1,285,000 $257,000 $6,783 4.30%
Defiance, OH (FHA|USDA|VA) 10 $1,280,000 $128,000 $2,948 5.01%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 6 $1,280,000 $213,333 $3,986 3.98%
YUBA CITY, CA (FHA|USDA|VA) 3 $1,265,000 $421,667 $4,318 4.88%
Fort Polk South, LA (FHA|USDA|VA) 6 $1,260,000 $210,000 $5,607 4.60%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $1,245,000 $249,000 $5,098 3.25%
El Campo, TX (FHA|USDA|VA) 4 $1,200,000 $300,000 $5,278 5.13%
London, KY (FHA|USDA|VA) 7 $1,195,000 $170,714 $4,136 5.14%
ROCKFORD, IL (FHA|USDA|VA) 9 $1,195,000 $132,778 $8,052 5.89%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 7 $1,185,000 $169,286 $3,544 3.98%
MORGANTOWN, WV (FHA|USDA|VA) 5 $1,175,000 $235,000 $4,969 3.83%
JACKSON, TN (FHA|USDA|VA) 5 $1,165,000 $233,000 $5,126 4.13%
Bonham, TX (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,126 5.30%
Bay City, TX (FHA|USDA|VA) 3 $1,125,000 $375,000 $14,140 4.17%
SPARTANBURG, SC (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,720 5.40%
Galesburg, IL (FHA|USDA|VA) 13 $1,095,000 $84,231 $4,374 4.86%
Lewisburg, TN (FHA|USDA|VA) 3 $1,085,000 $361,667 $3,497 3.38%
Columbus, NE (FHA|USDA|VA) 4 $1,080,000 $270,000 $7,972 5.50%
Kerrville, TX (FHA|USDA|VA) 3 $1,065,000 $355,000 $6,676 4.21%
Cambridge, MD (FHA|USDA|VA) 4 $1,060,000 $265,000 $3,518 5.47%
FAYETTEVILLE, NC (FHA|USDA|VA) 7 $1,055,000 $150,714 $3,395 3.84%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $1,055,000 $351,667 $6,438 3.96%
Ashland, OH (FHA|USDA|VA) 11 $1,055,000 $95,909 $4,185 5.42%
SALINAS, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $4,278 2.93%
DOTHAN, AL (FHA|USDA|VA) 5 $1,045,000 $209,000 $5,836 4.05%
ALEXANDRIA, LA (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,352 5.25%
Lawrenceburg, TN (FHA|USDA|VA) 5 $1,015,000 $203,000 $4,810 4.63%
Auburn, NY (FHA|USDA|VA) 12 $1,010,000 $84,167 $6,128 6.68%
Corning, NY (FHA|USDA|VA) 11 $1,005,000 $91,364 $4,950 6.14%
MUNCIE, IN (FHA|USDA|VA) 9 $995,000 $110,556 $3,377 4.79%
MIDLAND, MI (FHA|USDA|VA) 10 $990,000 $99,000 $3,628 5.63%
GREAT FALLS, MT (FHA|USDA|VA) 5 $985,000 $197,000 $4,699 4.00%
RAPID CITY, SD (FHA|USDA|VA) 5 $985,000 $197,000 $6,713 5.18%
Mount Vernon, OH (FHA|USDA|VA) 8 $970,000 $121,250 $3,842 5.83%
Martin, TN (FHA|USDA|VA) 6 $970,000 $161,667 $3,264 3.71%
REDDING, CA (FHA|USDA|VA) 3 $965,000 $321,667 $6,151 6.33%
MUSKEGON, MI (FHA|USDA|VA) 12 $940,000 $78,333 $3,368 6.46%
Sayre, PA (FHA|USDA|VA) 8 $940,000 $117,500 $4,565 4.50%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $930,000 $232,500 $4,674 5.22%
Urbana, OH (FHA|USDA|VA) 5 $925,000 $185,000 $4,556 5.10%
Bozeman, MT (FHA|USDA|VA) 2 $920,000 $460,000 $4,211 4.19%
Cambridge, OH (FHA|USDA|VA) 6 $910,000 $151,667 $6,023 6.48%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $910,000 $455,000 $3,806 3.25%
Rexburg, ID (FHA|USDA|VA) 4 $900,000 $225,000 $5,302 3.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 6 $900,000 $150,000 $4,373 4.88%
COLUMBIA, MO (FHA|USDA|VA) 3 $895,000 $298,333 $8,181 4.92%
GOLDSBORO, NC (FHA|USDA|VA) 3 $895,000 $298,333 $6,595 4.79%
EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $895,000 $179,000 $5,758 6.13%
Sonora, CA (FHA|USDA|VA) 3 $875,000 $291,667 $6,516 4.96%
Sturgis, MI (FHA|USDA|VA) 7 $875,000 $125,000 $3,856 7.27%
Faribault-Northfield, MN (FHA|USDA|VA) 4 $870,000 $217,500 $5,719 4.84%
Cadillac, MI (FHA|USDA|VA) 5 $865,000 $173,000 $5,510 5.55%
FARGO, ND-MN (FHA|USDA|VA) 3 $855,000 $285,000 $5,459 3.42%
BEND, OR (FHA|USDA|VA) 2 $840,000 $420,000 $3,951 3.69%
BECKLEY, WV (FHA|USDA|VA) 3 $835,000 $278,333 $7,998 4.58%
Fremont, NE (FHA|USDA|VA) 5 $835,000 $167,000 $4,398 4.20%
MANSFIELD, OH (FHA|USDA|VA) 9 $835,000 $92,778 $0 5.39%
Malone, NY (FHA|USDA|VA) 4 $830,000 $207,500 $3,697 6.31%
FORT COLLINS, CO (FHA|USDA|VA) 2 $830,000 $415,000 $4,062 3.50%
Greenwood, SC (FHA|USDA|VA) 4 $820,000 $205,000 $5,176 3.97%
Paris, TN (FHA|USDA|VA) 5 $815,000 $163,000 $4,859 5.55%
Bellefontaine, OH (FHA|USDA|VA) 6 $810,000 $135,000 $4,708 6.35%
SUMTER, SC (FHA|USDA|VA) 3 $805,000 $268,333 $3,448 5.17%
Albemarle, NC (FHA|USDA|VA) 4 $800,000 $200,000 $7,187 3.28%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 3 $795,000 $265,000 $4,898 4.58%
VICTORIA, TX (FHA|USDA|VA) 2 $790,000 $395,000 $7,728 5.63%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $775,000 $258,333 $5,063 4.33%
Marion, OH (FHA|USDA|VA) 7 $775,000 $110,714 $5,339 6.18%
Charleston-Mattoon, IL (FHA|USDA|VA) 6 $770,000 $128,333 $3,851 4.71%
Dayton, TN (FHA|USDA|VA) 4 $770,000 $192,500 $4,851 5.91%
Okeechobee, FL (FHA|USDA|VA) 4 $770,000 $192,500 $6,912 5.72%
Bluefield, WV-VA (FHA|USDA|VA) 3 $765,000 $255,000 $4,697 4.08%
MADERA, CA (FHA|USDA|VA) 2 $760,000 $380,000 $7,279 4.13%
Fremont, OH (FHA|USDA|VA) 6 $760,000 $126,667 $5,769 5.21%
Meridian, MS (FHA|USDA|VA) 3 $755,000 $251,667 $6,838 4.38%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $750,000 $187,500 $7,600 6.19%
LAS CRUCES, NM (FHA|USDA|VA) 5 $745,000 $149,000 $3,621 3.33%
GREEN BAY, WI (FHA|USDA|VA) 3 $745,000 $248,333 $3,360 3.75%
Ludington, MI (FHA|USDA|VA) 2 $730,000 $365,000 $0 4.00%
Seneca Falls, NY (FHA|USDA|VA) 5 $725,000 $145,000 $3,568 5.33%
CARBONDALE-MARION, IL (FHA|USDA|VA) 4 $720,000 $180,000 $4,139 4.19%
Hillsdale, MI (FHA|USDA|VA) 5 $715,000 $143,000 $4,593 4.48%
BATTLE CREEK, MI (FHA|USDA|VA) 9 $705,000 $78,333 $2,582 5.79%
WICHITA, KS (FHA|USDA|VA) 3 $695,000 $231,667 $3,786 4.63%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 4 $690,000 $172,500 $3,703 3.88%
Mount Pleasant, MI (FHA|USDA|VA) 7 $685,000 $97,857 $7,420 7.45%
SPRINGFIELD, MO (FHA|USDA|VA) 6 $680,000 $113,333 $3,494 3.06%
POCATELLO, ID (FHA|USDA|VA) 4 $670,000 $167,500 $3,175 3.75%
Durant, OK (FHA|USDA|VA) 3 $665,000 $221,667 $8,003 3.46%
Newport, TN (FHA|USDA|VA) 4 $660,000 $165,000 $5,193 5.78%
Wapakoneta, OH (FHA|USDA|VA) 3 $655,000 $218,333 $3,217 4.38%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $655,000 $218,333 $9,345 5.58%
MEDFORD, OR (FHA|USDA|VA) 2 $650,000 $325,000 $5,353 3.75%
Arcadia, FL (FHA|USDA|VA) 3 $645,000 $215,000 $6,907 4.46%
Sulphur Springs, TX (FHA|USDA|VA) 1 $645,000 $645,000 $10,489 5.25%
Ellensburg, WA (FHA|USDA|VA) 2 $640,000 $320,000 $5,769 5.13%
GREELEY, CO (FHA|USDA|VA) 2 $640,000 $320,000 $8,465 4.50%
GADSDEN, AL (FHA|USDA|VA) 2 $640,000 $320,000 $4,401 5.88%
TWIN FALLS, ID (FHA|USDA|VA) 3 $635,000 $211,667 $6,446 3.38%
Shelby, NC (FHA|USDA|VA) 4 $630,000 $157,500 $5,794 4.63%
Arkadelphia, AR (FHA|USDA|VA) 2 $630,000 $315,000 $5,470 3.56%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $630,000 $315,000 $8,806 2.50%
DUBUQUE, IA (FHA|USDA|VA) 3 $625,000 $208,333 $5,939 4.50%
Martinsville, VA (FHA|USDA|VA) 5 $625,000 $125,000 $3,523 5.03%
Clarksdale, MS (FHA|USDA|VA) 3 $615,000 $205,000 $7,288 4.38%
Coldwater, MI (FHA|USDA|VA) 4 $610,000 $152,500 $4,838 4.84%
Mount Pleasant, TX (FHA|USDA|VA) 2 $600,000 $300,000 $8,229 5.19%
Batesville, AR (FHA|USDA|VA) 4 $600,000 $150,000 $4,068 4.94%
ST. GEORGE, UT (FHA|USDA|VA) 2 $590,000 $295,000 $5,718 4.56%
Jackson, OH (FHA|USDA|VA) 4 $590,000 $147,500 $6,288 4.91%
Wilmington, OH (FHA|USDA|VA) 5 $585,000 $117,000 $3,192 6.80%
Orangeburg, SC (FHA|USDA|VA) 3 $585,000 $195,000 $5,406 6.13%
Minden, LA (FHA|USDA|VA) 3 $575,000 $191,667 $6,109 5.21%
Laurel, MS (FHA|USDA|VA) 2 $570,000 $285,000 $7,878 4.31%
Selinsgrove, PA (FHA|USDA|VA) 5 $565,000 $113,000 $6,624 5.20%
MISSOULA, MT (FHA|USDA|VA) 3 $565,000 $188,333 $3,215 3.08%
AMARILLO, TX (FHA|USDA|VA) 3 $565,000 $188,333 $6,211 4.29%
Farmington, MO (FHA|USDA|VA) 2 $560,000 $280,000 $5,061 4.87%
Outside of Metro Areas 2 $560,000 $280,000 $5,416 3.56%
Norwalk, OH (FHA|USDA|VA) 8 $560,000 $70,000 $4,571 5.50%
Kendallville, IN (FHA|USDA|VA) 2 $560,000 $280,000 $2,743 5.88%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $555,000 $555,000 $2,946 6.50%
KANKAKEE, IL (FHA|USDA|VA) 4 $550,000 $137,500 $3,752 3.56%
Brainerd, MN (FHA|USDA|VA) 2 $550,000 $275,000 $3,752 3.25%
DULUTH, MN-WI (FHA|USDA|VA) 4 $540,000 $135,000 $4,318 4.38%
TERRE HAUTE, IN (FHA|USDA|VA) 4 $540,000 $135,000 $2,673 5.88%
CHICO, CA (FHA|USDA|VA) 2 $540,000 $270,000 $10,008 5.88%
Waycross, GA (FHA|USDA|VA) 2 $540,000 $270,000 $8,097 5.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 5 $535,000 $107,000 $3,286 4.55%
West Point, MS (FHA|USDA|VA) 2 $530,000 $265,000 $5,651 5.75%
New Castle, IN (FHA|USDA|VA) 5 $525,000 $105,000 $2,446 3.55%
Union City, TN (FHA|USDA|VA) 3 $525,000 $175,000 $3,246 3.79%
Lake City, FL (FHA|USDA|VA) 5 $525,000 $105,000 $0 6.95%
Aberdeen, SD (FHA|USDA|VA) 3 $525,000 $175,000 $4,658 3.88%
Lebanon, MO (FHA|USDA|VA) 2 $520,000 $260,000 $3,331 4.56%
Port Lavaca, TX (FHA|USDA|VA) 2 $520,000 $260,000 $8,062 5.31%
SPRINGFIELD, IL (FHA|USDA|VA) 6 $520,000 $86,667 $6,214 5.29%
JEFFERSON CITY, MO (FHA|USDA|VA) 3 $515,000 $171,667 $4,709 4.50%
BOULDER, CO (FHA|USDA|VA) 1 $515,000 $515,000 $3,732 5.13%
Danville, KY (FHA|USDA|VA) 6 $510,000 $85,000 $2,744 6.67%
Huntington, IN (FHA|USDA|VA) 3 $505,000 $168,333 $6,461 5.88%
Lufkin, TX (FHA|USDA|VA) 2 $500,000 $250,000 $9,010 3.63%
MANHATTAN, KS (FHA|USDA|VA) 3 $495,000 $165,000 $3,302 4.29%
Clewiston, FL (FHA|USDA|VA) 3 $495,000 $165,000 $4,664 4.13%
Jesup, GA (FHA|USDA|VA) 2 $490,000 $245,000 $13,541 4.56%
SAN ANGELO, TX (FHA|USDA|VA) 2 $490,000 $245,000 $6,271 3.06%
Russellville, AR (FHA|USDA|VA) 2 $490,000 $245,000 $7,569 4.06%
Bogalusa, LA (FHA|USDA|VA) 3 $485,000 $161,667 $4,822 4.63%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $485,000 $485,000 $3,846 3.38%
Stephenville, TX (FHA|USDA|VA) 2 $480,000 $240,000 $4,480 5.00%
Shawano, WI (FHA|USDA|VA) 2 $480,000 $240,000 $2,172 4.44%
Bedford, IN (FHA|USDA|VA) 4 $480,000 $120,000 $2,543 5.09%
DANVILLE, IL (FHA|USDA|VA) 5 $475,000 $95,000 $4,371 5.88%
Quincy, IL-MO (FHA|USDA|VA) 4 $470,000 $117,500 $4,824 5.38%
Bartlesville, OK (FHA|USDA|VA) 2 $470,000 $235,000 $8,514 4.13%
Atmore, AL (FHA|USDA|VA) 3 $455,000 $151,667 $4,006 5.29%
Madison, IN (FHA|USDA|VA) 3 $455,000 $151,667 $2,841 3.63%
Washington Court House, OH (FHA|USDA|VA) 3 $455,000 $151,667 $7,309 5.21%
DECATUR, AL (FHA|USDA|VA) 1 $445,000 $445,000 $4,039 3.75%
Bradford, PA (FHA|USDA|VA) 3 $445,000 $148,333 $7,121 4.04%
Chillicothe, OH (FHA|USDA|VA) 3 $445,000 $148,333 $5,186 4.29%
Crawfordsville, IN (FHA|USDA|VA) 4 $430,000 $107,500 $0 4.63%
Brownwood, TX (FHA|USDA|VA) 2 $430,000 $215,000 $3,727 5.06%
Campbellsville, KY (FHA|USDA|VA) 2 $430,000 $215,000 $6,992 4.75%
Albertville, AL (FHA|USDA|VA) 3 $425,000 $141,667 $3,321 4.63%
Jefferson, GA (FHA|USDA|VA) 1 $425,000 $425,000 $12,581 5.25%
Big Rapids, MI (FHA|USDA|VA) 3 $415,000 $138,333 $5,670 4.21%
Natchez, MS-LA (FHA|USDA|VA) 3 $415,000 $138,333 $6,364 3.79%
Tiffin, OH (FHA|USDA|VA) 4 $410,000 $102,500 $5,836 5.41%
Murray, KY (FHA|USDA|VA) 3 $405,000 $135,000 $3,126 4.88%
CORVALLIS, OR (FHA|USDA|VA) 1 $395,000 $395,000 $2,369 5.88%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 3 $395,000 $131,667 $4,126 5.50%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $390,000 $195,000 $1,732 2.88%
Roseburg, OR (FHA|USDA|VA) 1 $385,000 $385,000 $9,976 4.25%
Big Spring, TX (FHA|USDA|VA) 1 $385,000 $385,000 $9,130 5.75%
Clarksburg, WV (FHA|USDA|VA) 2 $380,000 $190,000 $3,450 3.25%
Seymour, IN (FHA|USDA|VA) 2 $380,000 $190,000 $3,658 4.19%
Sault Ste. Marie, MI (FHA|USDA|VA) 3 $375,000 $125,000 $2,258 7.04%
Ottawa, IL (FHA|USDA|VA) 3 $375,000 $125,000 $4,111 4.96%
Mountain Home, AR (FHA|USDA|VA) 3 $375,000 $125,000 $3,538 4.63%
Elizabeth City, NC (FHA|USDA|VA) 2 $370,000 $185,000 $2,330 5.00%
Beaver Dam, WI (FHA|USDA|VA) 2 $370,000 $185,000 $3,300 4.75%
Helena, MT (FHA|USDA|VA) 2 $370,000 $185,000 $4,059 3.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $370,000 $185,000 $0 3.25%
MERCED, CA (FHA|USDA|VA) 1 $365,000 $365,000 $15,900 2.25%
Austin, MN (FHA|USDA|VA) 1 $365,000 $365,000 $3,786 3.75%
Angola, IN (FHA|USDA|VA) 3 $365,000 $121,667 $4,345 5.33%
McAlester, OK (FHA|USDA|VA) 2 $360,000 $180,000 $2,966 6.19%
Minot, ND (FHA|USDA|VA) 2 $360,000 $180,000 $3,697 5.38%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $355,000 $355,000 $4,505 4.88%
ENID, OK (FHA|USDA|VA) 1 $355,000 $355,000 $3,726 7.00%
EL CENTRO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $14,465 4.50%
Sandpoint, ID (FHA|USDA|VA) 1 $355,000 $355,000 $5,770 3.88%
Carlsbad-Artesia, NM (FHA|USDA|VA) 3 $355,000 $118,333 $4,365 4.00%
Coos Bay, OR (FHA|USDA|VA) 1 $345,000 $345,000 $5,243 3.38%
Corinth, MS (FHA|USDA|VA) 2 $340,000 $170,000 $3,077 2.75%
Centralia, WA (FHA|USDA|VA) 1 $335,000 $335,000 $14,456 4.50%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $335,000 $335,000 $4,057 4.38%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $335,000 $335,000 $9,129 5.50%
Shelton, WA (FHA|USDA|VA) 1 $325,000 $325,000 $2,123 6.25%
Watertown, SD (FHA|USDA|VA) 1 $325,000 $325,000 $5,932 4.88%
Alma, MI (FHA|USDA|VA) 5 $315,000 $63,000 $2,952 6.30%
Ruston, LA (FHA|USDA|VA) 1 $315,000 $315,000 $13,707 4.13%
Marquette, MI (FHA|USDA|VA) 4 $310,000 $77,500 $3,585 6.13%
Nacogdoches, TX (FHA|USDA|VA) 2 $310,000 $155,000 $5,488 4.50%
Evanston, WY (FHA|USDA|VA) 1 $305,000 $305,000 $6,920 4.88%
Cedar City, UT (FHA|USDA|VA) 1 $305,000 $305,000 $5,480 3.75%
Ruidoso, NM (FHA|USDA|VA) 1 $305,000 $305,000 $6,245 4.75%
Ardmore, OK (FHA|USDA|VA) 3 $305,000 $101,667 $4,664 5.13%
Poplar Bluff, MO (FHA|USDA|VA) 2 $300,000 $150,000 $7,176 5.81%
BAY CITY, MI (FHA|USDA|VA) 6 $300,000 $50,000 $3,955 5.88%
Scottsburg, IN (FHA|USDA|VA) 1 $295,000 $295,000 $2,174 3.50%
Big Stone Gap, VA (FHA|USDA|VA) 1 $295,000 $295,000 $0 7.75%
LOGAN, UT-ID (FHA|USDA|VA) 1 $295,000 $295,000 $5,470 2.88%
Maysville, KY (FHA|USDA|VA) 2 $290,000 $145,000 $4,981 4.75%
Owatonna, MN (FHA|USDA|VA) 2 $290,000 $145,000 $4,163 5.56%
McMinnville, TN (FHA|USDA|VA) 1 $285,000 $285,000 $4,607 4.88%
Zanesville, OH (FHA|USDA|VA) 3 $285,000 $95,000 $3,633 5.33%
BLOOMINGTON, IL (FHA|USDA|VA) 4 $280,000 $70,000 $3,336 7.09%
Mount Sterling, KY (FHA|USDA|VA) 4 $280,000 $70,000 $6,367 6.38%
GRANTS PASS, OR (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.00%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $255,000 $255,000 $3,960 5.50%
Marietta, OH (FHA|USDA|VA) 3 $255,000 $85,000 $3,104 4.88%
WHEELING, WV-OH (FHA|USDA|VA) 3 $255,000 $85,000 $3,923 4.21%
Enterprise, AL (FHA|USDA|VA) 2 $250,000 $125,000 $2,814 3.81%
St. Marys, PA (FHA|USDA|VA) 2 $250,000 $125,000 $9,584 4.38%
Warren, PA (FHA|USDA|VA) 4 $250,000 $62,500 $0 6.25%
PUEBLO, CO (FHA|USDA|VA) 2 $250,000 $125,000 $3,689 2.63%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $245,000 $245,000 $1,516 5.00%
FOND DU LAC, WI (FHA|USDA|VA) 1 $245,000 $245,000 $5,120 5.25%
Norfolk, NE (FHA|USDA|VA) 1 $245,000 $245,000 $2,452 7.13%
Alpena, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,720 5.13%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $240,000 $120,000 $6,599 5.44%
Hastings, NE (FHA|USDA|VA) 3 $235,000 $78,333 $2,944 4.67%
Washington, NC (FHA|USDA|VA) 1 $235,000 $235,000 $6,590 4.88%
Dyersburg, TN (FHA|USDA|VA) 2 $230,000 $115,000 $4,536 4.38%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $225,000 $225,000 $7,916 2.13%
Vermillion, SD (FHA|USDA|VA) 1 $225,000 $225,000 $7,739 4.25%
COLUMBUS, IN (FHA|USDA|VA) 3 $225,000 $75,000 $0 4.42%
Gillette, WY (FHA|USDA|VA) 1 $225,000 $225,000 $3,888 3.50%
Astoria, OR (FHA|USDA|VA) 1 $225,000 $225,000 $8,587 5.25%
Jacksonville, TX (FHA|USDA|VA) 1 $225,000 $225,000 $13,238 5.25%
Spirit Lake, IA (FHA|USDA|VA) 1 $225,000 $225,000 $3,892 3.25%
Tifton, GA (FHA|USDA|VA) 1 $225,000 $225,000 $10,802 4.88%
Sterling, IL (FHA|USDA|VA) 2 $220,000 $110,000 $3,320 4.81%
Coshocton, OH (FHA|USDA|VA) 3 $215,000 $71,667 $6,005 5.17%
Susanville, CA (FHA|USDA|VA) 1 $215,000 $215,000 $6,488 5.25%
Houghton, MI (FHA|USDA|VA) 2 $210,000 $105,000 $0 3.88%
Wauchula, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,896 2.50%
Dumas, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,051 6.63%
Kearney, NE (FHA|USDA|VA) 1 $205,000 $205,000 $2,397 3.88%
Mount Airy, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,068 4.75%
Red Wing, MN (FHA|USDA|VA) 1 $205,000 $205,000 $4,935 4.88%
YUMA, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $3,420 3.25%
Greenville, OH (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.00%
Bluffton, IN (FHA|USDA|VA) 4 $200,000 $50,000 $3,001 7.00%
Portales, NM (FHA|USDA|VA) 1 $195,000 $195,000 $3,138 3.38%
Muskogee, OK (FHA|USDA|VA) 2 $190,000 $95,000 $3,810 5.00%
KOKOMO, IN (FHA|USDA|VA) 3 $185,000 $61,667 $3,001 4.88%
Tahlequah, OK (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.63%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $185,000 $185,000 $3,020 3.75%
Statesboro, GA (FHA|USDA|VA) 1 $185,000 $185,000 $3,140 4.13%
Brookhaven, MS (FHA|USDA|VA) 1 $185,000 $185,000 $5,211 4.75%
Laramie, WY (FHA|USDA|VA) 1 $175,000 $175,000 $3,685 3.88%
BURLINGTON, NC (FHA|USDA|VA) 1 $175,000 $175,000 $5,766 4.50%
Central City, KY (FHA|USDA|VA) 2 $170,000 $85,000 $4,371 5.38%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $165,000 $165,000 $2,613 3.88%
Mayfield, KY (FHA|USDA|VA) 1 $165,000 $165,000 $2,321 3.38%
Sweetwater, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,636 6.00%
North Platte, NE (FHA|USDA|VA) 1 $165,000 $165,000 $7,047 3.50%
El Dorado, AR (FHA|USDA|VA) 1 $155,000 $155,000 $4,211 3.88%
Van Wert, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,620 3.50%
Snyder, TX (FHA|USDA|VA) 1 $145,000 $145,000 $7,038 5.75%
JOPLIN, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,402 2.38%
Rockingham, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,642 3.13%
Manitowoc, WI (FHA|USDA|VA) 1 $135,000 $135,000 $4,637 7.25%
Payson, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $6,145 4.00%
Ozark, AL (FHA|USDA|VA) 1 $135,000 $135,000 $4,571 4.50%
Alamogordo, NM (FHA|USDA|VA) 1 $135,000 $135,000 $5,634 6.13%
Kennett, MO (FHA|USDA|VA) 1 $135,000 $135,000 $1,680 4.50%
Marion, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,437 2.25%
Richmond, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,587 5.00%
Toccoa, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,058 2.63%
Laurinburg, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,297 3.63%
Gaffney, SC (FHA|USDA|VA) 2 $130,000 $65,000 $0 3.56%
Somerset, KY (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.63%
Indianola, MS (FHA|USDA|VA) 1 $125,000 $125,000 $5,552 3.63%
Worthington, MN (FHA|USDA|VA) 1 $125,000 $125,000 $6,322 4.38%
LIMA, OH (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.50%
Deming, NM (FHA|USDA|VA) 1 $115,000 $115,000 $2,971 3.25%
Moultrie, GA (FHA|USDA|VA) 1 $115,000 $115,000 $6,293 5.88%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $115,000 $115,000 $3,056 5.50%
Fort Payne, AL (FHA|USDA|VA) 1 $115,000 $115,000 $5,104 6.75%
Fergus Falls, MN (FHA|USDA|VA) 1 $105,000 $105,000 $2,577 2.50%
Silver City, NM (FHA|USDA|VA) 1 $105,000 $105,000 $4,907 4.88%
Forrest City, AR (FHA|USDA|VA) 1 $105,000 $105,000 $3,066 2.88%
Warsaw, IN (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.50%
Thomaston, GA (FHA|USDA|VA) 1 $95,000 $95,000 $2,793 3.88%
Escanaba, MI (FHA|USDA|VA) 1 $95,000 $95,000 $3,128 3.50%
CASPER, WY (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.63%
Scottsboro, AL (FHA|USDA|VA) 1 $95,000 $95,000 $4,433 5.63%
Camden, AR (FHA|USDA|VA) 1 $95,000 $95,000 $2,863 5.25%
Vicksburg, MS (FHA|USDA|VA) 1 $95,000 $95,000 $5,905 2.50%
Muscatine, IA (FHA|USDA|VA) 1 $85,000 $85,000 $1,905 2.75%
Connersville, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,756 3.50%
Duncan, OK (FHA|USDA|VA) 1 $85,000 $85,000 $4,362 3.75%
Wabash, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,771 4.75%
Kingsville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.38%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.50%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.25%
Plymouth, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,207 3.63%
Auburn, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.75%
Hutchinson, KS (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.38%
Mason City, IA (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.50%
Grand Rapids, MN (FHA|USDA|VA) 1 $65,000 $65,000 $3,249 4.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $65,000 $65,000 $3,363 3.63%
Lincoln, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,754 2.75%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.88%
Atchison, KS (FHA|USDA|VA) 1 $65,000 $65,000 $4,207 4.25%
Union, SC (FHA|USDA|VA) 1 $65,000 $65,000 $3,342 2.63%
Selma, AL (FHA|USDA|VA) 1 $65,000 $65,000 $3,828 2.75%
Guymon, OK (FHA|USDA|VA) 1 $55,000 $55,000 $4,137 2.25%
Taylorville, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.25%
Athens, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.75%
Rochelle, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.25%
ROME, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.00%
Blytheville, AR (FHA|USDA|VA) 1 $55,000 $55,000 $3,280 2.63%
LaGrange, GA-AL (FHA|USDA|VA) 1 $45,000 $45,000 $0 10.75%
Burlington, IA-IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.25%
Harrison, AR (FHA|USDA|VA) 1 $45,000 $45,000 $2,747 2.63%
Frankfort, IN (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $35,000 $35,000 $2,553 5.50%
Logansport, IN (FHA|USDA|VA) 1 $35,000 $35,000 $1,879 2.75%
Spearfish, SD (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.50%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.50%
Citizens Bank's top markets include New York, Boston, Philadelphia, Providence, and Pittsburgh among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 64,687 $10,447,855,000 $161,514 n/a 5.20%
    Conventional 32,579 $13,889,405,000 $426,330 $6,322 4.28%
    FHA 2,912 $675,440,000 $231,951 $8,650 4.48%
    VA 998 $331,490,000 $332,154 $8,797 4.35%
    USDA 190 $30,240,000 $159,158 $5,578 4.57%

    For 2022, Citizens Bank's most frequently originated type of loan was HELOC, with 64,687 originations. Their 2nd most popular type was Conventional, with 32,579 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 26,645 $11,235,865,000 $421,688 $7,398 4.62%
    Home Improvement 24,895 $3,415,205,000 $137,184 $3,585 5.28%
    Refi 23,181 $5,653,785,000 $243,897 $4,771 4.33%
    Other 19,906 $2,741,030,000 $137,699 $5,547 5.63%
    Cash Out Refi 6,739 $2,328,545,000 $345,533 $5,479 4.01%

    For 2022, Citizens Bank's most frequently cited loan purpose was Home Purchase, with 26,645 originations. The 2nd most popular reason was Home Improvement, with 24,895 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 65,101 $11,101,615,000 $170,529 $4,095 5.19%
    30 Year 30,907 $13,096,125,000 $423,727 $7,013 4.48%
    15 Year 4,095 $903,895,000 $220,731 $4,310 3.25%
    20 Year 829 $192,185,000 $231,828 $4,346 3.75%
    10 Year 424 $69,300,000 $163,443 $3,602 3.21%
    5 Year 7 $10,935,000 $1,562,143 $0 4.34%
    30+ year 3 $375,000 $125,000 $0 3.79%

    For 2022, Citizens Bank's most frequently cited loan duration was Other, with 65,101 originations. The 2nd most popular length was 30 Year, with 30,907 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 9,778 $4,001,980,000 $409,284
    $1k-2k 9,207 $2,634,985,000 $286,194
    $5k+ 5,850 $3,643,230,000 $622,774
    $2k-3k 4,397 $1,289,685,000 $293,310
    $3k-4k 3,387 $1,508,865,000 $445,487
    $4k-5k 2,158 $810,590,000 $375,621

    Citizens Bank's average total fees were $7,013, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 9,778 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 25,188 $7,643,910,000 $303,474
    5-6% 20,187 $4,660,485,000 $230,866
    4-5% 20,173 $5,570,555,000 $276,139
    6-7% 11,727 $1,875,895,000 $159,964
    2.5-3% 10,870 $3,752,050,000 $345,175
    7-8% 5,427 $509,155,000 $93,819
    Over 8% 4,530 $267,160,000 $58,976
    <2.5% 3,263 $1,090,665,000 $334,252
    % 1 $4,555,000 $4,555,000

    During 2022, Citizens Bank's average interest rate for loans was 4.48%, while their most frequently originated rate bucket for loans was 3-4%, with 25,188 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 30,940 $4,182,810,000 $135,191 $4,426 4.63%
    $200k-400k 28,366 $7,654,210,000 $269,837 $6,117 4.36%
    $100,000 or less 26,342 $1,523,250,000 $57,826 $3,418 6.13%
    $400k-600k 8,420 $3,983,690,000 $473,122 $7,870 4.33%
    $600k-1MM 4,784 $3,550,190,000 $742,097 $8,940 4.12%
    $1MM+ 2,514 $4,480,280,000 $1,782,132 $14,404 3.81%

    2022 saw Citizens Bank place emphasis on $100k-200k loans with 30,940 originations, totaling $4,182,810,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 23,393 $4,868,995,000 $208,139 $6,389 4.95%
    $150k-250k 20,351 $5,712,515,000 $280,699 $7,285 4.77%
    $50k-75k 17,030 $2,433,550,000 $142,898 $5,174 5.02%
    $75k-100k 15,786 $2,696,770,000 $170,833 $5,840 5.02%
    $250k+ 13,653 $7,647,905,000 $560,163 $10,435 4.47%
    $50k or less 10,537 $1,179,175,000 $111,908 $4,438 5.02%

    Citizens Bank lent most frequently to those with incomes in the $100k-150k range, with 23,393 originations. The second most popular income band? $150k-250k, with 20,351 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 16,433 $2,671,475,000 $162,568 $9,247 5.31%
    20-30% 16,341 $4,430,925,000 $271,154 $6,162 4.53%
    30-36% 14,787 $4,005,755,000 $270,897 $6,422 4.76%
    <20% 6,019 $1,679,945,000 $279,107 $5,611 4.30%
    >60% 5,868 $1,158,210,000 $197,377 $8,646 4.72%
    45% 3,711 $758,515,000 $204,396 $6,716 5.63%
    44% 3,405 $818,105,000 $240,266 $6,832 5.09%
    42% 3,303 $983,305,000 $297,701 $7,193 4.90%
    40% 3,163 $899,895,000 $284,507 $6,787 4.87%
    41% 3,063 $885,545,000 $289,110 $7,021 4.91%
    43% 3,037 $712,705,000 $234,674 $6,556 4.98%
    37% 2,997 $833,395,000 $278,076 $6,549 4.95%
    39% 2,933 $849,265,000 $289,555 $6,726 4.82%
    38% 2,845 $795,175,000 $279,499 $6,758 4.85%
    49% 2,813 $659,125,000 $234,314 $6,710 4.93%
    36% 2,750 $747,090,000 $271,669 $6,569 4.85%
    46% 2,640 $621,570,000 $235,443 $6,857 5.00%
    47% 2,577 $648,475,000 $251,640 $7,027 4.88%
    48% 2,500 $595,230,000 $238,092 $6,901 4.95%

    Citizens Bank lent most frequently to those with DTI ratios of 50-60%, with 16,433 originations. The next most common DTI ratio? 20-30%, with 16,341 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 75,305 $17,706,315,000 $235,128 $6,360 4.88%
    Not provided 13,548 $3,786,660,000 $279,500 $7,119 4.76%
    Asian 4,582 $1,666,480,000 $363,701 $7,731 4.52%
    Black 5,530 $957,160,000 $173,085 $6,742 5.44%
    Not applicable 96 $605,770,000 $6,310,104 $0 3.97%
    Asian Indian 836 $300,860,000 $359,880 $9,726 4.62%
    Chinese 234 $97,510,000 $416,709 $7,943 4.33%
    American Indian 509 $94,735,000 $186,120 $6,070 5.14%
    Other Asian 250 $56,930,000 $227,720 $6,984 5.10%
    Korean 86 $31,270,000 $363,605 $6,983 4.46%
    Filipino 92 $20,180,000 $219,348 $7,280 5.23%
    Native Hawaiian or Islander 116 $19,930,000 $171,810 $7,172 5.54%
    Other Pacific Islander 75 $12,535,000 $167,133 $7,955 5.18%
    Vietnamese 54 $11,340,000 $210,000 $5,594 4.94%
    37 $3,605,000 $97,432 $0 5.78%
    Japanese 13 $2,815,000 $216,538 $5,624 5.10%
    Guamanian 1 $155,000 $155,000 $0 6.50%
    Native Hawaiian 1 $145,000 $145,000 $5,320 5.25%
    Samoan 1 $35,000 $35,000 $0 8.25%

    Approval Rates

    Total approvals of all applications
    75.31%

    Citizens Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.00%

    Citizens Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 101,366 $25,374,430,000 $250,325

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    101,366 $25,374,430,000 $250,325

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26,604 $4,517,090,000 $169,790 $4,467 4.91%
    40-60% 14,420 $4,237,280,000 $293,847 $5,030 4.26%
    60-80% 19,382 $8,031,860,000 $414,398 $6,961 4.25%
    80-100% 16,684 $6,395,470,000 $383,330 $7,184 4.57%
    Over 100% 191 $71,695,000 $375,366 $15,926 4.53%
    Under 20% 24,020 $2,112,040,000 $87,928 $3,026 5.92%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 1 10.0%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 3 30.0%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 4 40.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 1 10.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 1 10.0%