Citizens Bank Mortgage Rates, Fees & Info
Providence, RILEI: DRMSV1Q0EKMEXLAU1P80
Tax ID: 20-2635739
5 stars - Updated: 11/11/24
-
out of 5 stars, based on 260 reviews
Latest/2023 | 2022 Data | 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 635 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank has a below 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 relatively high 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% | 11/11/24 |
| 30 Year Conventional Purchase | 6.45% | 11/11/24 |
| 30 Year Conventional Refi | 6.41% | 11/11/24 |
| 30 Year Cash-out Refi | 6.68% | 11/11/24 |
| 30 Year FHA Purchase | 7.07% | 11/11/24 |
| 30 Year FHA Refi | 6.82% | 11/11/24 |
| 30 Year VA Purchase | 6.15% | 11/11/24 |
| 30 Year VA Refi | 6.00% | 11/11/24 |
| 30 Year USDA Purchase | 6.83% | 11/11/24 |
| 30 Year USDA Refi | 6.58% | 11/11/24 |
| 15 Year Conventional Purchase | 6.00% | 11/11/24 |
| 15 Year Conventional Refi | 6.01% | 11/11/24 |
| 15 Year Cash-out Refi | 6.01% | 11/11/24 |
| 15 Year FHA Purchase | 6.24% | 11/11/24 |
| 15 Year FHA Refi | 6.23% | 11/11/24 |
| 15 Year VA Purchase | 6.39% | 11/11/24 |
| 15 Year VA Refi | 5.87% | 11/11/24 |
| 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
67,520Origination Dollar Volume (All Markets)
$15,607,830,000Awards
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Citizens Bank - 2023
Citizens Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Citizens Bank's average 30 year fixed mortgage rate was
6.51%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.03%.
Relative Fees (Closing Costs)
Citizens Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,764.
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 $9,089.
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) | 9,199 | $3,285,975,000 | $357,210 | $10,305 | 8.16% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 6,720 | $1,801,290,000 | $268,049 | $7,398 | 8.17% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6,893 | $1,377,815,000 | $199,886 | $7,803 | 8.26% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3,774 | $642,970,000 | $170,368 | $5,441 | 8.58% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3,567 | $586,345,000 | $164,380 | $6,562 | 8.02% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1,287 | $428,615,000 | $333,034 | $11,433 | 8.46% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2,652 | $388,320,000 | $146,425 | $4,836 | 8.46% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1,315 | $384,315,000 | $292,255 | $9,013 | 8.11% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 844 | $375,510,000 | $444,917 | $11,551 | 7.98% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1,903 | $259,075,000 | $136,140 | $5,543 | 8.27% |
| Outside of Metro Areas | 973 | $191,495,000 | $196,809 | $6,280 | 8.01% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1,425 | $182,585,000 | $128,130 | $5,392 | 8.92% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 317 | $173,155,000 | $546,230 | $9,239 | 7.29% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 432 | $154,490,000 | $357,616 | $11,794 | 7.67% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 804 | $150,950,000 | $187,749 | $5,201 | 8.39% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 809 | $145,785,000 | $180,204 | $7,932 | 8.25% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 624 | $144,000,000 | $230,769 | $5,881 | 8.16% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 753 | $141,085,000 | $187,364 | $7,465 | 8.60% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 714 | $133,830,000 | $187,437 | $7,054 | 8.88% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 701 | $129,435,000 | $184,643 | $7,791 | 8.37% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 311 | $126,645,000 | $407,219 | $8,425 | 6.71% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 446 | $112,080,000 | $251,300 | $8,161 | 8.40% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 564 | $110,230,000 | $195,443 | $7,590 | 8.46% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 463 | $98,365,000 | $212,451 | $8,006 | 7.60% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 400 | $95,960,000 | $239,900 | $8,918 | 8.35% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 606 | $95,500,000 | $157,591 | $6,690 | 8.35% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 317 | $85,545,000 | $269,858 | $11,218 | 8.28% |
| ROCHESTER, NY (FHA|USDA|VA) | 751 | $85,185,000 | $113,429 | $4,970 | 8.79% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 456 | $81,490,000 | $178,706 | $7,627 | 8.82% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 233 | $81,085,000 | $348,004 | $9,108 | 6.72% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 108 | $78,390,000 | $725,833 | $11,859 | 6.57% |
| AKRON, OH (FHA|USDA|VA) | 631 | $76,705,000 | $121,561 | $4,978 | 8.41% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 379 | $76,665,000 | $202,282 | $6,931 | 8.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 162 | $76,080,000 | $469,630 | $10,238 | 7.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 321 | $64,305,000 | $200,327 | $7,088 | 8.47% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 239 | $62,145,000 | $260,021 | $6,741 | 7.49% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 468 | $61,590,000 | $131,603 | $5,598 | 8.81% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 68 | $60,410,000 | $888,382 | $8,977 | 6.72% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 224 | $57,710,000 | $257,634 | $6,109 | 7.76% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 207 | $57,705,000 | $278,768 | $8,099 | 8.14% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 215 | $57,125,000 | $265,698 | $10,435 | 8.31% |
| COLUMBUS, OH (FHA|USDA|VA) | 272 | $55,980,000 | $205,809 | $7,454 | 8.22% |
| LANCASTER, PA (FHA|USDA|VA) | 308 | $55,400,000 | $179,870 | $8,423 | 8.23% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 354 | $55,380,000 | $156,441 | $6,364 | 8.65% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 289 | $54,225,000 | $187,630 | $7,887 | 8.44% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 206 | $51,580,000 | $250,388 | $6,885 | 7.90% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 84 | $50,190,000 | $597,500 | $10,977 | 7.57% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 201 | $49,875,000 | $248,134 | $9,114 | 7.17% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 163 | $48,905,000 | $300,031 | $7,865 | 7.91% |
| READING, PA (FHA|USDA|VA) | 335 | $46,975,000 | $140,224 | $7,178 | 8.55% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 151 | $44,825,000 | $296,854 | $8,912 | 8.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 269 | $44,055,000 | $163,773 | $8,481 | 8.57% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 259 | $43,435,000 | $167,703 | $6,296 | 8.12% |
| TOLEDO, OH (FHA|USDA|VA) | 418 | $42,650,000 | $102,033 | $4,831 | 8.54% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 183 | $41,785,000 | $228,333 | $8,772 | 8.00% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 373 | $41,135,000 | $110,282 | $4,588 | 8.41% |
| RICHMOND, VA (FHA|USDA|VA) | 173 | $40,405,000 | $233,555 | $7,871 | 8.32% |
| Lebanon, NH-VT (FHA|USDA|VA) | 185 | $39,805,000 | $215,162 | $6,203 | 8.10% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 163 | $38,405,000 | $235,613 | $6,345 | 8.36% |
| Concord, NH (FHA|USDA|VA) | 232 | $38,400,000 | $165,517 | $5,020 | 8.41% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 180 | $37,630,000 | $209,056 | $8,235 | 8.52% |
| LOUISVILLE, KY (FHA|USDA|VA) | 143 | $36,435,000 | $254,790 | $5,671 | 7.45% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 277 | $36,365,000 | $131,282 | $6,908 | 8.41% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 208 | $36,150,000 | $173,798 | $8,628 | 8.28% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 188 | $34,860,000 | $185,426 | $4,693 | 8.34% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 144 | $34,100,000 | $236,806 | $6,776 | 7.96% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 135 | $33,115,000 | $245,296 | $5,014 | 7.28% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 149 | $32,365,000 | $217,215 | $7,468 | 8.45% |
| Laconia, NH (FHA|USDA|VA) | 148 | $32,230,000 | $217,770 | $5,280 | 8.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 119 | $31,965,000 | $268,613 | $6,046 | 7.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 88 | $31,600,000 | $359,091 | $8,650 | 6.59% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 129 | $30,015,000 | $232,674 | $8,374 | 7.62% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 65 | $29,975,000 | $461,154 | $10,367 | 6.64% |
| KNOXVILLE, TN (FHA|USDA|VA) | 113 | $28,645,000 | $253,496 | $6,344 | 7.83% |
| SYRACUSE, NY (FHA|USDA|VA) | 238 | $28,160,000 | $118,319 | $4,752 | 8.93% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 242 | $26,870,000 | $111,033 | $5,181 | 8.32% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 68 | $26,630,000 | $391,618 | $7,135 | 6.80% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 109 | $26,085,000 | $239,312 | $7,163 | 8.35% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 91 | $25,405,000 | $279,176 | $3,963 | 7.17% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 36 | $24,660,000 | $685,000 | $8,877 | 6.65% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 84 | $22,650,000 | $269,643 | $3,475 | 6.91% |
| ROANOKE, VA (FHA|USDA|VA) | 98 | $21,210,000 | $216,429 | $5,934 | 7.25% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 105 | $20,665,000 | $196,810 | $7,334 | 8.35% |
| ERIE, PA (FHA|USDA|VA) | 172 | $20,310,000 | $118,081 | $6,373 | 8.02% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 143 | $19,525,000 | $136,538 | $7,514 | 8.68% |
| DOVER, DE (FHA|USDA|VA) | 150 | $19,300,000 | $128,667 | $5,432 | 8.95% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 37 | $18,815,000 | $508,514 | $7,824 | 6.71% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 24 | $18,120,000 | $755,000 | $7,522 | 6.79% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 38 | $17,630,000 | $463,947 | $7,703 | 6.44% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 34 | $17,590,000 | $517,353 | $10,854 | 6.76% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 40 | $17,490,000 | $437,250 | $11,336 | 6.56% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 38 | $17,430,000 | $458,684 | $9,320 | 6.97% |
| ANN ARBOR, MI (FHA|USDA|VA) | 88 | $17,140,000 | $194,773 | $3,987 | 8.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 62 | $16,620,000 | $268,065 | $9,635 | 8.31% |
| Torrington, CT (FHA|USDA|VA) | 82 | $16,510,000 | $201,341 | $7,880 | 8.78% |
| KINGSTON, NY (FHA|USDA|VA) | 87 | $15,835,000 | $182,011 | $6,200 | 8.68% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 55 | $15,575,000 | $283,182 | $7,502 | 8.06% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 89 | $15,165,000 | $170,393 | $8,892 | 8.56% |
| ALTOONA, PA (FHA|USDA|VA) | 113 | $15,095,000 | $133,584 | $6,381 | 7.28% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 49 | $14,555,000 | $297,041 | $6,281 | 7.65% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 52 | $13,790,000 | $265,192 | $6,269 | 6.78% |
| TULSA, OK (FHA|USDA|VA) | 68 | $13,640,000 | $200,588 | $8,644 | 8.14% |
| OCALA, FL (FHA|USDA|VA) | 59 | $12,535,000 | $212,458 | $6,556 | 8.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 84 | $12,330,000 | $146,786 | $7,513 | 8.97% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 60 | $12,330,000 | $205,500 | $7,586 | 8.10% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 55 | $12,275,000 | $223,182 | $6,707 | 7.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 55 | $12,015,000 | $218,455 | $7,325 | 8.28% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 22 | $11,740,000 | $533,636 | $9,675 | 6.20% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 38 | $11,440,000 | $301,053 | $9,189 | 8.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 42 | $11,410,000 | $271,667 | $6,842 | 7.72% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 51 | $10,975,000 | $215,196 | $5,966 | 7.62% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $10,680,000 | $762,857 | $12,514 | 6.62% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 91 | $10,445,000 | $114,780 | $4,730 | 8.44% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 34 | $10,330,000 | $303,824 | $5,892 | 8.04% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $10,205,000 | $10,205,000 | $16,690 | 6.13% |
| LINCOLN, NE (FHA|USDA|VA) | 49 | $10,085,000 | $205,816 | $2,878 | 7.45% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 51 | $9,755,000 | $191,275 | $4,783 | 6.53% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 63 | $9,695,000 | $153,889 | $5,744 | 8.68% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 26 | $9,630,000 | $370,385 | $8,054 | 6.75% |
| GLENS FALLS, NY (FHA|USDA|VA) | 81 | $9,565,000 | $118,086 | $5,816 | 8.92% |
| BINGHAMTON, NY (FHA|USDA|VA) | 106 | $9,540,000 | $90,000 | $4,617 | 9.06% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 47 | $9,525,000 | $202,660 | $6,230 | 8.17% |
| ASHEVILLE, NC (FHA|USDA|VA) | 49 | $9,465,000 | $193,163 | $9,244 | 8.60% |
| UTICA-ROME, NY (FHA|USDA|VA) | 91 | $9,225,000 | $101,374 | $5,502 | 8.76% |
| LEBANON, PA (FHA|USDA|VA) | 49 | $8,815,000 | $179,898 | $7,656 | 8.06% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 71 | $8,815,000 | $124,155 | $4,760 | 8.75% |
| MONROE, MI (FHA|USDA|VA) | 66 | $8,550,000 | $129,545 | $5,060 | 8.53% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 43 | $8,545,000 | $198,721 | $7,226 | 8.19% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 28 | $8,460,000 | $302,143 | $10,195 | 8.20% |
| Heber, UT (FHA|USDA|VA) | 4 | $8,220,000 | $2,055,000 | $9,990 | 5.97% |
| Keene, NH (FHA|USDA|VA) | 50 | $8,120,000 | $162,400 | $4,768 | 8.28% |
| ABILENE, TX (FHA|USDA|VA) | 36 | $8,040,000 | $223,333 | $6,210 | 6.92% |
| Rutland, VT (FHA|USDA|VA) | 57 | $7,965,000 | $139,737 | $6,250 | 8.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 36 | $7,610,000 | $211,389 | $4,879 | 7.53% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 35 | $7,575,000 | $216,429 | $8,753 | 8.66% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 32 | $7,530,000 | $235,313 | $5,522 | 6.54% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 24 | $7,510,000 | $312,917 | $4,810 | 6.73% |
| PITTSFIELD, MA (FHA|USDA|VA) | 46 | $7,380,000 | $160,435 | $6,110 | 8.42% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 33 | $7,135,000 | $216,212 | $10,155 | 8.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 24 | $6,870,000 | $286,250 | $12,269 | 6.64% |
| Vineyard Haven, MA (FHA|USDA|VA) | 16 | $6,710,000 | $419,375 | $7,101 | 7.87% |
| PANAMA CITY, FL (FHA|USDA|VA) | 19 | $6,465,000 | $340,263 | $7,422 | 7.93% |
| FLINT, MI (FHA|USDA|VA) | 58 | $6,460,000 | $111,379 | $4,793 | 8.37% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 24 | $6,400,000 | $266,667 | $5,450 | 6.53% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 18 | $6,320,000 | $351,111 | $7,084 | 6.35% |
| SAVANNAH, GA (FHA|USDA|VA) | 42 | $6,250,000 | $148,810 | $9,823 | 9.14% |
| LAFAYETTE, LA (FHA|USDA|VA) | 24 | $6,240,000 | $260,000 | $5,173 | 6.48% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 37 | $6,225,000 | $168,243 | $4,252 | 7.93% |
| Berlin, NH (FHA|USDA|VA) | 43 | $6,195,000 | $144,070 | $4,754 | 8.47% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 27 | $5,905,000 | $218,704 | $5,090 | 7.28% |
| COLUMBIA, SC (FHA|USDA|VA) | 42 | $5,860,000 | $139,524 | $5,001 | 8.34% |
| JONESBORO, AR (FHA|USDA|VA) | 21 | $5,805,000 | $276,429 | $4,825 | 6.96% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 41 | $5,735,000 | $139,878 | $7,421 | 8.55% |
| Hudson, NY (FHA|USDA|VA) | 25 | $5,655,000 | $226,200 | $7,239 | 8.79% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 19 | $5,635,000 | $296,579 | $6,373 | 6.36% |
| New Castle, PA (FHA|USDA|VA) | 54 | $5,610,000 | $103,889 | $6,293 | 8.34% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 17 | $5,585,000 | $328,529 | $4,651 | 6.79% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 44 | $5,540,000 | $125,909 | $4,786 | 8.35% |
| SAGINAW, MI (FHA|USDA|VA) | 52 | $5,520,000 | $106,154 | $4,092 | 8.19% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 14 | $5,440,000 | $388,571 | $9,477 | 6.58% |
| Key West, FL (FHA|USDA|VA) | 13 | $5,425,000 | $417,308 | $10,621 | 8.02% |
| Sevierville, TN (FHA|USDA|VA) | 20 | $5,160,000 | $258,000 | $6,009 | 8.36% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 30 | $5,140,000 | $171,333 | $6,302 | 8.41% |
| Oil City, PA (FHA|USDA|VA) | 43 | $5,115,000 | $118,953 | $4,166 | 8.38% |
| GAINESVILLE, GA (FHA|USDA|VA) | 29 | $5,095,000 | $175,690 | $6,589 | 9.21% |
| Pottsville, PA (FHA|USDA|VA) | 32 | $4,960,000 | $155,000 | $6,659 | 7.98% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 30 | $4,890,000 | $163,000 | $6,510 | 8.53% |
| THE VILLAGES, FL (FHA|USDA|VA) | 32 | $4,850,000 | $151,563 | $8,041 | 8.32% |
| HARRISONBURG, VA (FHA|USDA|VA) | 15 | $4,825,000 | $321,667 | $7,191 | 6.98% |
| Barre, VT (FHA|USDA|VA) | 25 | $4,775,000 | $191,000 | $4,410 | 8.84% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 40 | $4,770,000 | $119,250 | $4,428 | 8.87% |
| Salem, OH (FHA|USDA|VA) | 38 | $4,520,000 | $118,947 | $4,386 | 8.69% |
| Georgetown, SC (FHA|USDA|VA) | 11 | $4,475,000 | $406,818 | $9,303 | 8.09% |
| BOULDER, CO (FHA|USDA|VA) | 8 | $4,320,000 | $540,000 | $5,173 | 6.58% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 12 | $4,150,000 | $345,833 | $6,998 | 6.94% |
| MORRISTOWN, TN (FHA|USDA|VA) | 21 | $4,105,000 | $195,476 | $6,829 | 7.02% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 19 | $3,965,000 | $208,684 | $10,997 | 8.18% |
| BRUNSWICK, GA (FHA|USDA|VA) | 11 | $3,965,000 | $360,455 | $10,048 | 7.70% |
| Meadville, PA (FHA|USDA|VA) | 41 | $3,915,000 | $95,488 | $5,321 | 8.46% |
| GETTYSBURG, PA (FHA|USDA|VA) | 21 | $3,845,000 | $183,095 | $7,355 | 8.17% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 21 | $3,815,000 | $181,667 | $6,443 | 6.65% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 18 | $3,660,000 | $203,333 | $7,243 | 8.08% |
| EL PASO, TX (FHA|USDA|VA) | 17 | $3,635,000 | $213,824 | $7,469 | 6.42% |
| Bardstown, KY (FHA|USDA|VA) | 16 | $3,630,000 | $226,875 | $6,233 | 6.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 19 | $3,625,000 | $190,789 | $7,226 | 8.44% |
| BATON ROUGE, LA (FHA|USDA|VA) | 11 | $3,405,000 | $309,545 | $8,119 | 6.84% |
| Portsmouth, OH (FHA|USDA|VA) | 34 | $3,380,000 | $99,412 | $3,723 | 8.51% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 25 | $3,325,000 | $133,000 | $8,103 | 7.21% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $3,310,000 | $551,667 | $11,771 | 6.33% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 25 | $3,295,000 | $131,800 | $10,883 | 8.55% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 14 | $3,280,000 | $234,286 | $11,017 | 7.75% |
| BISMARCK, ND (FHA|USDA|VA) | 12 | $3,190,000 | $265,833 | $6,699 | 6.16% |
| HATTIESBURG, MS (FHA|USDA|VA) | 11 | $3,175,000 | $288,636 | $7,442 | 6.18% |
| Sunbury, PA (FHA|USDA|VA) | 13 | $3,025,000 | $232,692 | $9,388 | 6.57% |
| Bennington, VT (FHA|USDA|VA) | 19 | $3,015,000 | $158,684 | $8,869 | 8.55% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $2,985,000 | $995,000 | $8,842 | 6.58% |
| Dayton, TN (FHA|USDA|VA) | 11 | $2,985,000 | $271,364 | $4,875 | 6.97% |
| Lewisburg, PA (FHA|USDA|VA) | 12 | $2,950,000 | $245,833 | $10,605 | 7.27% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 22 | $2,920,000 | $132,727 | $5,779 | 6.93% |
| Traverse City, MI (FHA|USDA|VA) | 20 | $2,900,000 | $145,000 | $3,646 | 8.84% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 20 | $2,890,000 | $144,500 | $5,082 | 8.27% |
| HINESVILLE, GA (FHA|USDA|VA) | 13 | $2,865,000 | $220,385 | $7,389 | 7.33% |
| Oneonta, NY (FHA|USDA|VA) | 18 | $2,850,000 | $158,333 | $6,299 | 8.98% |
| Lewistown, PA (FHA|USDA|VA) | 24 | $2,700,000 | $112,500 | $5,689 | 7.17% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 11 | $2,685,000 | $244,091 | $6,228 | 8.83% |
| MIDLAND, TX (FHA|USDA|VA) | 7 | $2,675,000 | $382,143 | $8,530 | 6.62% |
| Starkville, MS (FHA|USDA|VA) | 10 | $2,660,000 | $266,000 | $7,525 | 6.19% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 13 | $2,655,000 | $204,231 | $7,085 | 8.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 21 | $2,435,000 | $115,952 | $5,250 | 8.68% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $2,425,000 | $485,000 | $7,591 | 6.73% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $2,415,000 | $483,000 | $6,335 | 5.80% |
| SPARTANBURG, SC (FHA|USDA|VA) | 22 | $2,400,000 | $109,091 | $6,613 | 9.36% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 19 | $2,395,000 | $126,053 | $3,922 | 8.32% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $2,380,000 | $396,667 | $9,344 | 6.44% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 15 | $2,375,000 | $158,333 | $8,306 | 8.37% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $2,320,000 | $580,000 | $8,214 | 6.41% |
| Cookeville, TN (FHA|USDA|VA) | 12 | $2,310,000 | $192,500 | $4,116 | 7.24% |
| DALTON, GA (FHA|USDA|VA) | 10 | $2,270,000 | $227,000 | $6,893 | 7.20% |
| LAWRENCE, KS (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $4,697 | 6.58% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 20 | $2,210,000 | $110,500 | $4,582 | 8.65% |
| JACKSON, MI (FHA|USDA|VA) | 15 | $2,205,000 | $147,000 | $5,682 | 8.48% |
| Gloversville, NY (FHA|USDA|VA) | 16 | $2,130,000 | $133,125 | $5,238 | 8.40% |
| Athens, TN (FHA|USDA|VA) | 10 | $2,110,000 | $211,000 | $7,842 | 6.59% |
| Cullman, AL (FHA|USDA|VA) | 10 | $2,080,000 | $208,000 | $5,085 | 8.35% |
| Olean, NY (FHA|USDA|VA) | 18 | $2,040,000 | $113,333 | $5,102 | 9.18% |
| NILES, MI (FHA|USDA|VA) | 9 | $2,015,000 | $223,889 | $3,906 | 8.13% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $2,005,000 | $668,333 | $5,360 | 6.54% |
| APPLETON, WI (FHA|USDA|VA) | 8 | $2,000,000 | $250,000 | $4,067 | 6.30% |
| ST. CLOUD, MN (FHA|USDA|VA) | 11 | $1,985,000 | $180,455 | $4,533 | 7.80% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 19 | $1,935,000 | $101,842 | $4,392 | 9.51% |
| Wooster, OH (FHA|USDA|VA) | 18 | $1,930,000 | $107,222 | $4,699 | 8.49% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 4 | $1,930,000 | $482,500 | $8,868 | 6.97% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 11 | $1,925,000 | $175,000 | $6,278 | 7.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $6,647 | 6.98% |
| Corsicana, TX (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $6,160 | 6.48% |
| Athens, TX (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $6,927 | 6.80% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $9,179 | 5.73% |
| ROCHESTER, MN (FHA|USDA|VA) | 8 | $1,860,000 | $232,500 | $6,653 | 7.25% |
| Jefferson, GA (FHA|USDA|VA) | 12 | $1,820,000 | $151,667 | $3,693 | 8.99% |
| Indiana, PA (FHA|USDA|VA) | 17 | $1,815,000 | $106,765 | $5,735 | 7.93% |
| DuBois, PA (FHA|USDA|VA) | 13 | $1,795,000 | $138,077 | $7,341 | 8.26% |
| Findlay, OH (FHA|USDA|VA) | 12 | $1,780,000 | $148,333 | $6,341 | 7.49% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,735,000 | $578,333 | $9,846 | 6.13% |
| Crossville, TN (FHA|USDA|VA) | 11 | $1,725,000 | $156,818 | $6,045 | 8.66% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 13 | $1,725,000 | $132,692 | $13,089 | 9.10% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 10 | $1,720,000 | $172,000 | $4,480 | 8.40% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 12 | $1,720,000 | $143,333 | $0 | 9.04% |
| JACKSON, TN (FHA|USDA|VA) | 12 | $1,720,000 | $143,333 | $7,902 | 8.78% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 10 | $1,710,000 | $171,000 | $7,301 | 8.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 10 | $1,680,000 | $168,000 | $8,556 | 8.20% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $5,928 | 6.72% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 10 | $1,660,000 | $166,000 | $6,380 | 8.24% |
| Danville, VA (FHA|USDA|VA) | 12 | $1,640,000 | $136,667 | $4,293 | 6.88% |
| Cortland, NY (FHA|USDA|VA) | 14 | $1,640,000 | $117,143 | $4,689 | 8.97% |
| GAINESVILLE, FL (FHA|USDA|VA) | 9 | $1,615,000 | $179,444 | $4,655 | 8.56% |
| WACO, TX (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $7,461 | 6.28% |
| Amsterdam, NY (FHA|USDA|VA) | 16 | $1,580,000 | $98,750 | $5,881 | 8.86% |
| Kerrville, TX (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $10,622 | 7.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $6,889 | 6.70% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 11 | $1,545,000 | $140,455 | $9,812 | 7.91% |
| ITHACA, NY (FHA|USDA|VA) | 15 | $1,545,000 | $103,000 | $3,839 | 8.76% |
| St. Marys, GA (FHA|USDA|VA) | 9 | $1,505,000 | $167,222 | $9,216 | 7.71% |
| Sandusky, OH (FHA|USDA|VA) | 11 | $1,505,000 | $136,818 | $0 | 8.75% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $10,438 | 6.13% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $6,471 | 7.75% |
| CHICO, CA (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $4,292 | 7.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 9 | $1,425,000 | $158,333 | $3,044 | 8.39% |
| MOBILE, AL (FHA|USDA|VA) | 11 | $1,405,000 | $127,727 | $3,802 | 9.56% |
| Somerset, PA (FHA|USDA|VA) | 8 | $1,400,000 | $175,000 | $7,293 | 7.99% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $9,989 | 5.83% |
| Jennings, LA (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $5,294 | 6.89% |
| Holland, MI (FHA|USDA|VA) | 10 | $1,380,000 | $138,000 | $4,929 | 8.86% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 16 | $1,370,000 | $85,625 | $0 | 9.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $9,927 | 7.08% |
| Rockport, TX (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $4,671 | 6.92% |
| Paragould, AR (FHA|USDA|VA) | 9 | $1,295,000 | $143,889 | $3,849 | 6.63% |
| NAPA, CA (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $6,464 | 5.83% |
| TOPEKA, KS (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $5,856 | 6.85% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 9 | $1,275,000 | $141,667 | $8,420 | 8.44% |
| NEW BERN, NC (FHA|USDA|VA) | 7 | $1,265,000 | $180,714 | $0 | 9.21% |
| MONROE, LA (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $4,204 | 6.58% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 7 | $1,215,000 | $173,571 | $7,938 | 8.02% |
| Glasgow, KY (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $5,692 | 6.63% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 12 | $1,210,000 | $100,833 | $5,160 | 7.98% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $18,106 | 7.50% |
| Huntingdon, PA (FHA|USDA|VA) | 9 | $1,175,000 | $130,556 | $6,156 | 7.86% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 8 | $1,160,000 | $145,000 | $5,769 | 8.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 9 | $1,155,000 | $128,333 | $7,066 | 8.92% |
| Batavia, NY (FHA|USDA|VA) | 10 | $1,150,000 | $115,000 | $3,919 | 8.93% |
| Scottsboro, AL (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $7,523 | 7.56% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 11 | $1,145,000 | $104,091 | $4,707 | 8.07% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 8 | $1,140,000 | $142,500 | $4,860 | 8.72% |
| FLORENCE, SC (FHA|USDA|VA) | 6 | $1,130,000 | $188,333 | $5,280 | 7.42% |
| Malone, NY (FHA|USDA|VA) | 9 | $1,125,000 | $125,000 | $5,662 | 8.60% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $20,628 | 6.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $12,823 | 5.96% |
| Shelby, NC (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $10,420 | 7.93% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $8,211 | 6.69% |
| GREENVILLE, NC (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $7,715 | 7.06% |
| MORGANTOWN, WV (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $7,575 | 6.55% |
| Middlesborough, KY (FHA|USDA|VA) | 7 | $1,065,000 | $152,143 | $5,250 | 6.66% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $13,350 | 5.94% |
| Seneca Falls, NY (FHA|USDA|VA) | 9 | $1,045,000 | $116,111 | $7,424 | 9.14% |
| Seneca, SC (FHA|USDA|VA) | 7 | $1,035,000 | $147,857 | $0 | 8.25% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $4,297 | 7.15% |
| Plattsburgh, NY (FHA|USDA|VA) | 8 | $1,030,000 | $128,750 | $6,436 | 8.80% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $3,404 | 9.08% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $6,504 | 5.88% |
| Huntsville, TX (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $8,602 | 6.63% |
| Mount Vernon, OH (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $6,504 | 7.90% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 10 | $990,000 | $99,000 | $4,764 | 8.41% |
| Corning, NY (FHA|USDA|VA) | 10 | $980,000 | $98,000 | $4,295 | 8.71% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $6,294 | 6.84% |
| Ashtabula, OH (FHA|USDA|VA) | 10 | $970,000 | $97,000 | $3,462 | 8.45% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $0 | 7.92% |
| Lock Haven, PA (FHA|USDA|VA) | 7 | $965,000 | $137,857 | $8,700 | 8.77% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $19,075 | 4.88% |
| Searcy, AR (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $6,533 | 7.93% |
| Sturgis, MI (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $3,759 | 8.68% |
| DeRidder, LA (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $5,100 | 6.21% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,978 | 7.03% |
| Corinth, MS (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $6,514 | 6.00% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $14,053 | 8.17% |
| RENO, NV (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $7,028 | 6.44% |
| Chillicothe, OH (FHA|USDA|VA) | 9 | $885,000 | $98,333 | $5,303 | 8.60% |
| Cullowhee, NC (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $0 | 8.50% |
| MUSKEGON, MI (FHA|USDA|VA) | 7 | $885,000 | $126,429 | $3,467 | 8.66% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $5,420 | 6.38% |
| MANSFIELD, OH (FHA|USDA|VA) | 12 | $880,000 | $73,333 | $5,678 | 9.31% |
| Greenwood, SC (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $9,401 | 7.81% |
| Adrian, MI (FHA|USDA|VA) | 7 | $875,000 | $125,000 | $6,564 | 8.97% |
| Wilmington, OH (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $7,366 | 7.93% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $11,569 | 6.44% |
| HAMMOND, LA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $9,817 | 5.75% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $347 | 2.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $8,445 | 6.92% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $2,599 | 7.71% |
| Greeneville, TN (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $6,822 | 7.13% |
| VALDOSTA, GA (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $13,164 | 8.75% |
| PINE BLUFF, AR (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $4,435 | 6.38% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $1,719 | 7.21% |
| Easton, MD (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $0 | 8.61% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $11,536 | 6.38% |
| Brevard, NC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,904 | 7.29% |
| Bartlesville, OK (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,948 | 7.75% |
| Calhoun, GA (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $9,143 | 8.75% |
| LIMA, OH (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $7,645 | 9.41% |
| DOTHAN, AL (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $4,612 | 8.48% |
| Albertville, AL (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $6,953 | 8.28% |
| Boone, NC (FHA|USDA|VA) | 7 | $735,000 | $105,000 | $0 | 8.66% |
| Sanford, NC (FHA|USDA|VA) | 6 | $730,000 | $121,667 | $2,528 | 9.48% |
| STAUNTON, VA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $3,361 | 8.19% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 8 | $730,000 | $91,250 | $6,633 | 7.56% |
| Sayre, PA (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $9,351 | 8.78% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $5,279 | 7.63% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $323 | 2.25% |
| ODESSA, TX (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $10,430 | 6.29% |
| Selinsgrove, PA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $6,246 | 7.97% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $2,032 | 8.96% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $6,397 | 7.19% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 7 | $675,000 | $96,429 | $0 | 10.33% |
| Paducah, KY-IL (FHA|USDA|VA) | 7 | $655,000 | $93,571 | $4,479 | 9.05% |
| Auburn, NY (FHA|USDA|VA) | 7 | $645,000 | $92,143 | $3,982 | 8.45% |
| Marietta, OH (FHA|USDA|VA) | 6 | $640,000 | $106,667 | $5,826 | 7.71% |
| Scottsburg, IN (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,680 | 7.12% |
| Blytheville, AR (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,569 | 6.46% |
| Oxford, MS (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $13,752 | 5.75% |
| Martinsville, VA (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $5,535 | 8.35% |
| Warsaw, IN (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $6,006 | 7.53% |
| Elizabeth City, NC (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,993 | 6.83% |
| Sonora, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,262 | 5.99% |
| Opelousas, LA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,758 | 6.96% |
| Tupelo, MS (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,401 | 5.58% |
| MONTGOMERY, AL (FHA|USDA|VA) | 8 | $590,000 | $73,750 | $2,844 | 9.02% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,577 | 6.88% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,393 | 6.44% |
| DULUTH, MN-WI (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $6,523 | 8.11% |
| ROME, GA (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $15,562 | 9.53% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $0 | 10.10% |
| Newport, TN (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $7,147 | 6.96% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $3,152 | 7.95% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $4,290 | 8.28% |
| Astoria, OR (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $5,047 | 6.50% |
| Sikeston, MO (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $5,049 | 6.38% |
| ELMIRA, NY (FHA|USDA|VA) | 8 | $550,000 | $68,750 | $0 | 10.14% |
| Granbury, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,967 | 6.94% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,107 | 5.50% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,236 | 6.13% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $5,200 | 8.16% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,842 | 6.08% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $3,927 | 8.16% |
| Clewiston, FL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $7,485 | 7.33% |
| Picayune, MS (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,969 | 6.50% |
| Norwalk, OH (FHA|USDA|VA) | 5 | $515,000 | $103,000 | $9,409 | 8.55% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $13,553 | 6.69% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,965 | 7.06% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $6,591 | 5.88% |
| BANGOR, ME (FHA|USDA|VA) | 6 | $490,000 | $81,667 | $3,763 | 8.35% |
| Farmington, MO (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,283 | 7.13% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,044 | 6.13% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $10,423 | 9.56% |
| Clarksdale, MS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $9,084 | 6.06% |
| Cadillac, MI (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $5,053 | 8.59% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,876 | 7.38% |
| Warren, PA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $4,557 | 7.38% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,987 | 6.88% |
| MIDLAND, MI (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $3,497 | 7.75% |
| Huntington, IN (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $7,095 | 8.13% |
| Morgan City, LA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,012 | 6.19% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,055 | 7.19% |
| Marquette, MI (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,388 | 8.13% |
| Coldwater, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,858 | 6.88% |
| Big Rapids, MI (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $5,222 | 8.75% |
| Shelbyville, TN (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $4,539 | 8.13% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,002 | 6.31% |
| Laramie, WY (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $15,480 | 7.88% |
| Ashland, OH (FHA|USDA|VA) | 5 | $425,000 | $85,000 | $4,402 | 8.86% |
| Indianola, MS (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,792 | 6.19% |
| Madisonville, KY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,096 | 6.56% |
| Hillsdale, MI (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $0 | 8.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,456 | 6.50% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,166 | 7.19% |
| Cleveland, MS (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,908 | 5.13% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,311 | 8.88% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $10,202 | 6.63% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,758 | 6.38% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,991 | 6.92% |
| Fremont, OH (FHA|USDA|VA) | 6 | $400,000 | $66,667 | $3,179 | 9.69% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,614 | 7.25% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,125 | 6.25% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,027 | 5.88% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 5 | $395,000 | $79,000 | $5,837 | 9.70% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $5,512 | 6.88% |
| Sweetwater, TX (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $3,534 | 7.29% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 4.88% |
| Marion, IN (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $1,565 | 9.67% |
| MADISON, WI (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,800 | 6.38% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 9.25% |
| Jackson, OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,349 | 8.81% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,015 | 5.88% |
| OWENSBORO, KY (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $3,439 | 10.38% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,759 | 7.00% |
| Owatonna, MN (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $4,099 | 7.42% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,986 | 6.88% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,232 | 6.50% |
| MANKATO, MN (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,652 | 9.29% |
| Hays, KS (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,758 | 6.13% |
| Austin, MN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,193 | 7.44% |
| Durango, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.63% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,096 | 6.63% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 8.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $15,486 | 5.25% |
| Atmore, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,183 | 7.38% |
| Dixon, IL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 8.13% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $4,022 | 9.53% |
| LaGrange, GA-AL (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $4,043 | 9.17% |
| Seymour, IN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,036 | 6.56% |
| DECATUR, AL (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $2,622 | 8.81% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,341 | 5.75% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,403 | 5.38% |
| IOWA CITY, IA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 10.25% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,633 | 6.50% |
| London, KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,950 | 7.25% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 7 | $315,000 | $45,000 | $0 | 10.14% |
| Milledgeville, GA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 8.42% |
| RAPID CITY, SD (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $3,992 | 9.04% |
| Bonham, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,163 | 6.00% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,164 | 7.25% |
| BAY CITY, MI (FHA|USDA|VA) | 5 | $305,000 | $61,000 | $4,479 | 8.10% |
| Athens, OH (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $8,595 | 8.29% |
| Danville, KY (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $7,070 | 7.75% |
| Marion, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 8.38% |
| Watertown, SD (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $5,809 | 9.55% |
| MERCED, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,162 | 6.63% |
| Palatka, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,938 | 6.63% |
| Columbus, NE (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $8,752 | 7.56% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 8.50% |
| WHEELING, WV-OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,379 | 8.38% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,047 | 8.13% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,075 | 6.00% |
| Winona, MN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $7,868 | 9.38% |
| Fergus Falls, MN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 9.25% |
| Jesup, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,033 | 6.13% |
| Houghton, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,649 | 5.75% |
| Newberry, SC (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 9.04% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.63% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,256 | 6.50% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,747 | 7.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 5 | $265,000 | $53,000 | $0 | 10.58% |
| McMinnville, TN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 8.75% |
| Beatrice, NE (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,711 | 7.75% |
| Levelland, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,130 | 7.63% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,513 | 6.63% |
| Paris, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,123 | 6.75% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,504 | 6.63% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,999 | 5.75% |
| Mountain Home, AR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,487 | 6.50% |
| Lumberton, NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 9.38% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,383 | 6.75% |
| Alma, MI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $7,485 | 7.88% |
| Branson, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,777 | 6.63% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.75% |
| Sterling, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,429 | 5.50% |
| Campbellsville, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,696 | 6.25% |
| Brenham, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,385 | 7.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $6,883 | 8.44% |
| Russellville, AR (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $8,069 | 10.06% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,111 | 4.25% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,301 | 7.25% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,583 | 7.50% |
| Fremont, NE (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $10,840 | 8.25% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.90% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,812 | 5.88% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.75% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.25% |
| Columbus, MS (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,773 | 5.69% |
| Greenville, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,040 | 7.50% |
| El Campo, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,345 | 6.88% |
| New Castle, IN (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 9.71% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,884 | 6.88% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 10.17% |
| TYLER, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,960 | 5.88% |
| Malvern, AR (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,071 | 6.31% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 10.13% |
| Washington Court House, OH (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,652 | 8.44% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,971 | 6.88% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,643 | 7.13% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,719 | 6.00% |
| Willmar, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,556 | 7.00% |
| St. Marys, PA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 9.25% |
| Ludington, MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,927 | 8.13% |
| Coshocton, OH (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 8.50% |
| Guymon, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,988 | 7.00% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,112 | 6.75% |
| Lawrenceburg, TN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 8.19% |
| Aberdeen, SD (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $7,164 | 8.44% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 9.25% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,883 | 6.75% |
| Bradford, PA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $4,141 | 8.13% |
| Grand Rapids, MN (FHA|USDA|VA) | 4 | $160,000 | $40,000 | $0 | 10.19% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 9.33% |
| Grenada, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,810 | 5.88% |
| Defiance, OH (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $3,129 | 9.54% |
| ALBANY, GA (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 10.25% |
| Somerset, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,901 | 6.13% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,172 | 6.25% |
| Minot, ND (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,387 | 5.25% |
| Statesboro, GA (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 9.42% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 10.00% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 10.00% |
| Pontiac, IL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 9.20% |
| Wilson, NC (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 10.75% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.50% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,875 | 7.75% |
| Enterprise, AL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 9.33% |
| Meridian, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,042 | 6.13% |
| McAlester, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,507 | 7.88% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,866 | 7.13% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,598 | 6.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,187 | 6.38% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,206 | 6.50% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,563 | 6.00% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.75% |
| Brookings, SD (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 10.50% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 10.88% |
| Toccoa, GA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $5,524 | 8.31% |
| Sidney, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.75% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| Urbana, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,244 | 6.25% |
| Newport, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,152 | 5.13% |
| Bay City, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,186 | 7.63% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| Dublin, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.75% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.75% |
| Durant, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.40% |
| Ozark, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.00% |
| Forest City, NC (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $3,771 | 8.58% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,428 | 6.00% |
| Martin, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.25% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.00% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.00% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 11.63% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.50% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.50% |
| Logansport, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.50% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.00% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.75% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.25% |
| Auburn, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.50% |
| Washington, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.50% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,852 | 6.88% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.50% |
| AMES, IA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.75% |
| Pierre, SD (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.40% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.25% |
| Central City, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,141 | 6.63% |
| North Platte, NE (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.75% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.25% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.75% |
| Angola, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.00% |
| Marion, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.65% |
| Jasper, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.25% |
| Mitchell, SD (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,033 | 6.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.50% |
| Bedford, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.00% |
| Summerville, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.75% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.75% |
| Alpena, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.00% |
| Cordele, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.25% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.00% |
| Americus, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.25% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.40% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 12.00% |
| Yankton, SD (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.25% |
| Madison, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.00% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.25% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.00% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.25% |
| Sterling, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.75% |
| Selma, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.25% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.50% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.25% |
| Decatur, IN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.75% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.00% |
| Altus, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.25% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.50% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.50% |
| Effingham, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.00% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.25% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.75% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.50% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 12.90% |
| Waycross, GA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 13.00% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 11.25% |
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Product Mix
For 2023, Citizens Bank's most frequently originated type of loan was HELOC, with 49,286 originations. Their 2nd most popular type was Conventional, with 15,907 originations.
Loan Reason
For 2023, Citizens Bank's most frequently cited loan purpose was Home Improvement, with 17,749 originations. The 2nd most popular reason was Home Purchase, with 16,882 originations.
Loan Duration/Length
For 2023, Citizens Bank's most frequently cited loan duration was Other, with 49,382 originations. The 2nd most popular length was 30 Year, with 16,887 originations.
Origination Fees/Closing Costs
Citizens Bank's average total fees were $7,764, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,829 originations.
Interest Rates
During 2023, Citizens Bank's average interest rate for loans was 6.51%, while their most frequently originated rate bucket for loans was Over 8%, with 34,209 originations.
Loan Sizing
2023 saw Citizens Bank place emphasis on $100k-200k loans with 19,798 originations, totaling $2,669,470,000 in origination value.
Applicant Income
Citizens Bank lent most frequently to those with incomes in the $100k-150k range, with 15,174 originations. The second most popular income band? $150k-250k, with 14,750 originations.
Applicant Debt to Income Ratio
Citizens Bank lent most frequently to those with DTI ratios of 50-60%, with 15,524 originations. The next most common DTI ratio? 30-36%, with 7,967 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications69.06%
Citizens Bank has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination85.83%
Citizens Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 67,520 | $15,607,830,000 | $231,159 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 67,520 | $15,607,830,000 | $231,159 |