Citizens Bank Mortgage Rates, Fees & Info

Providence, RI

LEI: DRMSV1Q0EKMEXLAU1P80

Tax ID: 20-2635739

5 stars - out of 5 stars, based on 348 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Citizens Bank is a large bank specializing in Refi and Home Purchase 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, Pittsburgh, and Providence among others. We have data for 737 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) 6.29% 10/3/22
    30 Year Conventional Purchase 6.42% 10/3/22
    30 Year Conventional Refi 6.44% 10/3/22
    30 Year Cash-out Refi 6.64% 10/3/22
    30 Year FHA Purchase 7.13% 10/3/22
    30 Year FHA Refi 6.98% 10/3/22
    30 Year VA Purchase 6.15% 10/3/22
    30 Year VA Refi 5.98% 10/3/22
    30 Year USDA Purchase 6.79% 10/3/22
    30 Year USDA Refi 6.51% 10/3/22
    15 Year Conventional Purchase 6.12% 10/3/22
    15 Year Conventional Refi 6.25% 10/3/22
    15 Year Cash-out Refi 6.25% 10/3/22
    15 Year FHA Purchase 7.09% 10/3/22
    15 Year FHA Refi 6.99% 10/3/22
    15 Year VA Purchase 6.22% 10/3/22
    15 Year VA Refi 6.11% 10/3/22
    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.


    Originations

    121,037

    Origination Dollar Volume (All Markets)

    $32,803,625,000

    Employee count

    17,096 Show all (202) awards

    Relative Rate

    Citizens Bank's average 30 year fixed mortgage rate was 2.97%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.18%.

    Relative Fees (Closing Costs)

    Citizens Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,260.

    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) 11,938 $6,041,580,000 $506,080 $6,474 3.23%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 13,066 $3,936,230,000 $301,257 $4,259 3.24%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 11,948 $2,665,620,000 $223,102 $5,511 3.36%
    PITTSBURGH, PA (FHA|USDA|VA) 7,200 $1,258,400,000 $174,778 $5,416 3.31%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 6,217 $1,172,635,000 $188,618 $3,756 3.45%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1,553 $953,195,000 $613,777 $6,033 2.87%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1,635 $948,985,000 $580,419 $7,271 3.23%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4,706 $788,130,000 $167,473 $3,091 3.36%
    Outside of Metro Areas 2,434 $597,550,000 $245,501 $4,345 3.07%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1,694 $548,000,000 $323,495 $5,241 2.87%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,687 $485,635,000 $287,869 $6,392 2.87%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2,909 $425,025,000 $146,107 $3,942 3.49%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1,565 $345,825,000 $220,974 $4,878 3.26%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1,512 $324,300,000 $214,484 $5,025 3.19%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2,361 $311,205,000 $131,811 $3,735 3.96%
    OCEAN CITY, NJ (FHA|USDA|VA) 469 $302,925,000 $645,896 $6,553 3.03%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 576 $290,770,000 $504,809 $5,306 2.98%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1,123 $286,585,000 $255,196 $4,019 3.28%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 753 $268,145,000 $356,102 $5,061 2.89%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 910 $266,020,000 $292,330 $4,267 3.15%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 415 $262,155,000 $631,699 $5,721 2.94%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 790 $255,240,000 $323,089 $4,903 2.88%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1,290 $246,020,000 $190,713 $3,585 3.43%
    WORCESTER, MA-CT (FHA|USDA|VA) 1,125 $234,355,000 $208,316 $4,265 3.44%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 479 $207,985,000 $434,207 $6,971 2.93%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 511 $184,275,000 $360,616 $4,857 2.83%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 672 $179,750,000 $267,485 $5,349 2.89%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 866 $166,070,000 $191,767 $5,419 3.10%
    SPRINGFIELD, MA (FHA|USDA|VA) 940 $159,690,000 $169,883 $4,257 3.53%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 278 $157,820,000 $567,698 $6,001 2.95%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 578 $155,160,000 $268,443 $2,600 2.93%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 505 $150,675,000 $298,366 $5,553 3.01%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 388 $141,230,000 $363,995 $5,097 2.88%
    ROCHESTER, NY (FHA|USDA|VA) 1,210 $141,050,000 $116,570 $3,446 4.01%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 382 $140,190,000 $366,990 $4,748 3.02%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 505 $140,165,000 $277,554 $5,347 2.98%
    SALISBURY, MD-DE (FHA|USDA|VA) 521 $136,855,000 $262,678 $4,891 3.13%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 565 $134,845,000 $238,664 $3,051 2.83%
    AKRON, OH (FHA|USDA|VA) 966 $129,170,000 $133,716 $3,879 3.41%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 482 $125,810,000 $261,017 $4,104 3.03%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 751 $123,295,000 $164,174 $3,996 3.74%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 503 $122,165,000 $242,873 $2,823 3.06%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 597 $120,775,000 $202,303 $4,412 3.10%
    JACKSONVILLE, FL (FHA|USDA|VA) 429 $119,955,000 $279,615 $6,771 2.93%
    COLUMBUS, OH (FHA|USDA|VA) 477 $118,125,000 $247,642 $4,490 3.02%
    KNOXVILLE, TN (FHA|USDA|VA) 392 $111,130,000 $283,495 $4,600 2.85%
    RICHMOND, VA (FHA|USDA|VA) 339 $109,285,000 $322,375 $4,715 2.99%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 538 $109,000,000 $202,602 $4,906 3.78%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 172 $108,270,000 $629,477 $5,485 2.88%
    TOLEDO, OH (FHA|USDA|VA) 815 $107,135,000 $131,454 $4,980 3.44%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 368 $103,760,000 $281,957 $2,084 2.94%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 272 $100,150,000 $368,199 $5,608 2.84%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 479 $98,565,000 $205,772 $5,338 3.33%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 438 $98,340,000 $224,521 $3,291 3.02%
    STATE COLLEGE, PA (FHA|USDA|VA) 404 $97,990,000 $242,550 $6,357 3.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 195 $96,495,000 $494,846 $7,959 2.88%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 546 $95,240,000 $174,432 $4,354 3.59%
    RALEIGH-CARY, NC (FHA|USDA|VA) 267 $94,875,000 $355,337 $3,690 2.85%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 368 $91,780,000 $249,402 $6,499 2.94%
    READING, PA (FHA|USDA|VA) 616 $91,230,000 $148,101 $5,260 3.56%
    LANCASTER, PA (FHA|USDA|VA) 471 $86,635,000 $183,938 $5,651 3.40%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 164 $85,650,000 $522,256 $5,733 2.94%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 355 $85,115,000 $239,761 $4,127 2.85%
    Kill Devil Hills, NC (FHA|USDA|VA) 152 $84,840,000 $558,158 $5,878 3.05%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 285 $78,755,000 $276,333 $5,624 2.99%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 710 $78,670,000 $110,803 $3,575 3.62%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 311 $78,355,000 $251,945 $3,915 3.14%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 198 $76,760,000 $387,677 $3,712 2.80%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 240 $75,400,000 $314,167 $5,449 3.21%
    BOWLING GREEN, KY (FHA|USDA|VA) 327 $73,695,000 $225,367 $2,829 2.86%
    Concord, NH (FHA|USDA|VA) 431 $70,915,000 $164,536 $3,454 3.52%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 215 $70,125,000 $326,163 $5,165 2.88%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 242 $69,230,000 $286,074 $4,922 2.97%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 135 $69,105,000 $511,889 $5,551 2.89%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 313 $66,585,000 $212,732 $4,071 2.88%
    Lebanon, NH-VT (FHA|USDA|VA) 335 $62,655,000 $187,030 $3,942 3.38%
    LAKE CHARLES, LA (FHA|USDA|VA) 266 $62,080,000 $233,383 $3,711 2.81%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 476 $61,140,000 $128,445 $4,390 3.48%
    ASHEVILLE, NC (FHA|USDA|VA) 183 $61,135,000 $334,071 $4,348 2.91%
    WINSTON-SALEM, NC (FHA|USDA|VA) 170 $60,800,000 $357,647 $4,712 2.98%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 209 $60,415,000 $289,067 $3,848 2.83%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 192 $57,670,000 $300,365 $5,800 2.93%
    YORK-HANOVER, PA (FHA|USDA|VA) 331 $57,615,000 $174,063 $5,508 3.25%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 233 $57,595,000 $247,189 $5,013 2.86%
    Torrington, CT (FHA|USDA|VA) 211 $56,145,000 $266,090 $5,035 3.17%
    ERIE, PA (FHA|USDA|VA) 412 $56,030,000 $135,995 $5,454 3.30%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 142 $54,900,000 $386,620 $3,997 2.74%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 134 $52,080,000 $388,657 $4,551 2.81%
    LYNCHBURG, VA (FHA|USDA|VA) 228 $51,250,000 $224,781 $3,614 2.92%
    Laconia, NH (FHA|USDA|VA) 224 $51,010,000 $227,723 $3,747 3.28%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 242 $46,890,000 $193,760 $3,839 2.84%
    LINCOLN, NE (FHA|USDA|VA) 209 $46,805,000 $223,947 $2,123 2.80%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 195 $46,705,000 $239,513 $3,305 2.88%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 182 $46,550,000 $255,769 $5,281 3.29%
    ROANOKE, VA (FHA|USDA|VA) 198 $45,050,000 $227,525 $4,256 2.85%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 108 $44,080,000 $408,148 $3,765 2.87%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 192 $41,790,000 $217,656 $4,196 2.85%
    SYRACUSE, NY (FHA|USDA|VA) 327 $40,015,000 $122,370 $3,674 3.92%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 161 $39,735,000 $246,801 $3,911 2.81%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 333 $39,495,000 $118,604 $4,113 3.57%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 173 $38,295,000 $221,358 $5,183 2.99%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 94 $38,110,000 $405,426 $5,879 2.98%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 136 $38,000,000 $279,412 $5,940 3.02%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 168 $37,890,000 $225,536 $3,726 2.91%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 118 $37,880,000 $321,017 $4,804 2.87%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 180 $35,710,000 $198,389 $3,731 2.73%
    COLUMBIA, SC (FHA|USDA|VA) 150 $35,580,000 $237,200 $4,732 2.90%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 233 $35,115,000 $150,708 $4,914 3.54%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 85 $32,555,000 $383,000 $3,999 2.88%
    DOVER, DE (FHA|USDA|VA) 209 $32,425,000 $155,144 $3,704 3.66%
    ANN ARBOR, MI (FHA|USDA|VA) 142 $30,780,000 $216,761 $3,056 3.28%
    LAFAYETTE, LA (FHA|USDA|VA) 132 $30,030,000 $227,500 $3,956 2.77%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 107 $29,915,000 $279,579 $5,560 2.90%
    ALTOONA, PA (FHA|USDA|VA) 205 $27,735,000 $135,293 $4,517 3.26%
    TULSA, OK (FHA|USDA|VA) 125 $27,665,000 $221,320 $5,006 3.09%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 106 $27,240,000 $256,981 $5,118 2.62%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 117 $27,085,000 $231,496 $3,695 2.88%
    Sevierville, TN (FHA|USDA|VA) 90 $26,730,000 $297,000 $4,541 3.02%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 48 $26,220,000 $546,250 $7,431 2.99%
    KINGSTON, NY (FHA|USDA|VA) 112 $26,060,000 $232,679 $5,676 3.68%
    JONESBORO, AR (FHA|USDA|VA) 102 $25,700,000 $251,961 $4,062 2.79%
    HOT SPRINGS, AR (FHA|USDA|VA) 107 $25,325,000 $236,682 $4,535 2.77%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 35 $25,225,000 $720,714 $5,144 2.92%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 88 $25,000,000 $284,091 $4,874 2.93%
    Georgetown, SC (FHA|USDA|VA) 62 $24,450,000 $394,355 $4,504 2.91%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 92 $23,770,000 $258,370 $4,191 2.96%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 83 $23,695,000 $285,482 $4,236 2.98%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 176 $23,500,000 $133,523 $3,560 3.50%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 117 $23,145,000 $197,821 $1,972 2.49%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 97 $22,435,000 $231,289 $5,750 3.06%
    EL PASO, TX (FHA|USDA|VA) 100 $21,930,000 $219,300 $6,265 2.95%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 113 $21,925,000 $194,027 $3,276 2.85%
    New Castle, PA (FHA|USDA|VA) 144 $21,840,000 $151,667 $5,385 3.34%
    GLENS FALLS, NY (FHA|USDA|VA) 127 $21,625,000 $170,276 $4,259 3.54%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 53 $21,555,000 $406,698 $4,992 2.91%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 83 $20,575,000 $247,892 $3,934 2.71%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 48 $20,220,000 $421,250 $4,430 2.88%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 137 $20,195,000 $147,409 $3,531 2.88%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 76 $19,840,000 $261,053 $3,720 2.85%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 91 $18,645,000 $204,890 $4,375 2.99%
    SALT LAKE CITY, UT (FHA|USDA|VA) 55 $18,425,000 $335,000 $5,518 2.82%
    WILMINGTON, NC (FHA|USDA|VA) 57 $18,125,000 $317,982 $4,400 2.88%
    Vineyard Haven, MA (FHA|USDA|VA) 30 $17,850,000 $595,000 $6,489 3.03%
    Glenwood Springs, CO (FHA|USDA|VA) 6 $17,340,000 $2,890,000 $7,803 2.78%
    MADISON, WI (FHA|USDA|VA) 55 $16,935,000 $307,909 $2,194 2.77%
    HUNTSVILLE, AL (FHA|USDA|VA) 67 $16,645,000 $248,433 $3,942 2.98%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 40 $16,040,000 $401,000 $5,591 2.93%
    Bardstown, KY (FHA|USDA|VA) 83 $15,945,000 $192,108 $3,836 2.85%
    PITTSFIELD, MA (FHA|USDA|VA) 66 $15,560,000 $235,758 $4,827 3.36%
    FLINT, MI (FHA|USDA|VA) 98 $15,400,000 $157,143 $3,239 3.38%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 71 $15,285,000 $215,282 $3,139 2.99%
    MONROE, MI (FHA|USDA|VA) 111 $15,165,000 $136,622 $4,079 3.44%
    UTICA-ROME, NY (FHA|USDA|VA) 138 $15,010,000 $108,768 $3,282 4.10%
    SIOUX FALLS, SD (FHA|USDA|VA) 63 $14,085,000 $223,571 $3,709 2.82%
    LEBANON, PA (FHA|USDA|VA) 69 $13,895,000 $201,377 $5,355 3.23%
    Rutland, VT (FHA|USDA|VA) 82 $13,820,000 $168,537 $4,042 3.32%
    Barre, VT (FHA|USDA|VA) 59 $13,225,000 $224,153 $3,919 3.39%
    BISMARCK, ND (FHA|USDA|VA) 53 $13,005,000 $245,377 $4,195 2.84%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 81 $12,695,000 $156,728 $3,293 3.27%
    BINGHAMTON, NY (FHA|USDA|VA) 124 $12,680,000 $102,258 $3,894 4.36%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 56 $12,490,000 $223,036 $3,753 2.83%
    LUBBOCK, TX (FHA|USDA|VA) 61 $12,335,000 $202,213 $4,074 3.16%
    HARRISONBURG, VA (FHA|USDA|VA) 38 $11,640,000 $306,316 $5,120 2.85%
    Cookeville, TN (FHA|USDA|VA) 63 $11,375,000 $180,556 $2,372 2.74%
    BOULDER, CO (FHA|USDA|VA) 27 $11,345,000 $420,185 $5,037 2.80%
    MORRISTOWN, TN (FHA|USDA|VA) 59 $11,225,000 $190,254 $3,719 2.86%
    St. Marys, GA (FHA|USDA|VA) 52 $10,960,000 $210,769 $4,517 3.04%
    TUSCALOOSA, AL (FHA|USDA|VA) 35 $10,865,000 $310,429 $4,886 2.72%
    Keene, NH (FHA|USDA|VA) 68 $10,720,000 $157,647 $3,638 3.51%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 60 $10,460,000 $174,333 $3,435 3.12%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 61 $10,135,000 $166,148 $3,011 3.13%
    MONROE, LA (FHA|USDA|VA) 43 $9,945,000 $231,279 $3,526 2.94%
    DeRidder, LA (FHA|USDA|VA) 43 $9,415,000 $218,953 $3,494 2.78%
    Meadville, PA (FHA|USDA|VA) 75 $9,365,000 $124,867 $4,829 3.43%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 28 $9,200,000 $328,571 $5,267 2.93%
    Berlin, NH (FHA|USDA|VA) 62 $9,170,000 $147,903 $3,581 3.56%
    JOHNSON CITY, TN (FHA|USDA|VA) 48 $8,990,000 $187,292 $4,236 2.90%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 52 $8,900,000 $171,154 $5,424 3.18%
    BATON ROUGE, LA (FHA|USDA|VA) 40 $8,600,000 $215,000 $3,968 2.92%
    APPLETON, WI (FHA|USDA|VA) 40 $8,400,000 $210,000 $2,871 2.72%
    SALEM, OR (FHA|USDA|VA) 27 $8,375,000 $310,185 $5,800 2.72%
    FLORENCE, SC (FHA|USDA|VA) 45 $8,355,000 $185,667 $3,117 2.83%
    PROVO-OREM, UT (FHA|USDA|VA) 18 $8,260,000 $458,889 $5,705 2.65%
    Easton, MD (FHA|USDA|VA) 9 $8,195,000 $910,556 $8,276 3.00%
    ODESSA, TX (FHA|USDA|VA) 39 $8,155,000 $209,103 $5,895 2.93%
    GAINESVILLE, GA (FHA|USDA|VA) 26 $8,120,000 $312,308 $4,530 2.76%
    GETTYSBURG, PA (FHA|USDA|VA) 38 $7,790,000 $205,000 $6,269 3.16%
    Opelousas, LA (FHA|USDA|VA) 40 $7,710,000 $192,750 $3,334 2.80%
    Jennings, LA (FHA|USDA|VA) 42 $7,680,000 $182,857 $3,859 2.78%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 40 $7,460,000 $186,500 $4,546 2.93%
    Lewistown, PA (FHA|USDA|VA) 61 $7,395,000 $121,230 $5,011 3.74%
    Key West, FL (FHA|USDA|VA) 12 $7,380,000 $615,000 $8,395 2.86%
    BRUNSWICK, GA (FHA|USDA|VA) 25 $7,245,000 $289,800 $5,854 3.06%
    LAWRENCE, KS (FHA|USDA|VA) 29 $7,165,000 $247,069 $4,383 2.74%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 43 $7,105,000 $165,233 $3,806 3.00%
    Oil City, PA (FHA|USDA|VA) 59 $6,975,000 $118,220 $3,883 3.93%
    PUNTA GORDA, FL (FHA|USDA|VA) 29 $6,965,000 $240,172 $4,679 2.95%
    Bennington, VT (FHA|USDA|VA) 35 $6,815,000 $194,714 $4,613 3.47%
    HATTIESBURG, MS (FHA|USDA|VA) 34 $6,790,000 $199,706 $4,387 2.64%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 23 $6,715,000 $291,957 $6,284 2.98%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 32 $6,660,000 $208,125 $6,036 3.03%
    TEXARKANA, TX-AR (FHA|USDA|VA) 39 $6,565,000 $168,333 $3,031 2.81%
    Cullowhee, NC (FHA|USDA|VA) 11 $6,505,000 $591,364 $5,541 3.01%
    Hudson, NY (FHA|USDA|VA) 35 $6,495,000 $185,571 $4,894 3.68%
    CLEVELAND, TN (FHA|USDA|VA) 32 $6,480,000 $202,500 $3,720 2.89%
    Salem, OH (FHA|USDA|VA) 65 $6,425,000 $98,846 $3,691 3.78%
    SAGINAW, MI (FHA|USDA|VA) 59 $6,325,000 $107,203 $2,946 3.38%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 32 $6,310,000 $197,188 $3,726 2.78%
    DALTON, GA (FHA|USDA|VA) 35 $6,195,000 $177,000 $4,138 2.80%
    MIDLAND, TX (FHA|USDA|VA) 20 $6,150,000 $307,500 $6,230 2.77%
    Traverse City, MI (FHA|USDA|VA) 27 $6,095,000 $225,741 $3,020 2.89%
    Crossville, TN (FHA|USDA|VA) 32 $6,090,000 $190,313 $2,534 2.73%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 17 $6,085,000 $357,941 $5,733 3.05%
    Augusta-Waterville, ME (FHA|USDA|VA) 29 $6,085,000 $209,828 $4,355 2.85%
    Brenham, TX (FHA|USDA|VA) 19 $5,805,000 $305,526 $6,367 2.81%
    JACKSON, MS (FHA|USDA|VA) 26 $5,750,000 $221,154 $4,150 2.75%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 12 $5,580,000 $465,000 $6,549 2.89%
    OCALA, FL (FHA|USDA|VA) 26 $5,530,000 $212,692 $4,327 3.08%
    Wooster, OH (FHA|USDA|VA) 44 $5,500,000 $125,000 $3,405 3.31%
    PINE BLUFF, AR (FHA|USDA|VA) 31 $5,485,000 $176,935 $4,131 2.85%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 21 $5,485,000 $261,190 $4,030 2.95%
    Pottsville, PA (FHA|USDA|VA) 36 $5,350,000 $148,611 $5,468 3.49%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 27 $5,325,000 $197,222 $3,951 2.72%
    Adrian, MI (FHA|USDA|VA) 26 $5,240,000 $201,538 $3,652 3.21%
    FORT WAYNE, IN (FHA|USDA|VA) 30 $5,180,000 $172,667 $3,041 3.10%
    TUCSON, AZ (FHA|USDA|VA) 23 $5,155,000 $224,130 $4,209 2.97%
    Portsmouth, OH (FHA|USDA|VA) 61 $5,115,000 $83,852 $3,380 3.74%
    JACKSON, MI (FHA|USDA|VA) 31 $5,065,000 $163,387 $3,779 3.65%
    Oneonta, NY (FHA|USDA|VA) 44 $5,050,000 $114,773 $2,878 4.25%
    Indiana, PA (FHA|USDA|VA) 40 $5,030,000 $125,750 $4,513 3.07%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 16 $5,020,000 $313,750 $5,774 3.05%
    ST. CLOUD, MN (FHA|USDA|VA) 30 $4,960,000 $165,333 $3,103 3.12%
    WACO, TX (FHA|USDA|VA) 21 $4,955,000 $235,952 $4,932 2.96%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 21 $4,885,000 $232,619 $5,578 2.94%
    Paris, TX (FHA|USDA|VA) 29 $4,785,000 $165,000 $4,248 3.07%
    Somerset, PA (FHA|USDA|VA) 24 $4,700,000 $195,833 $4,952 3.26%
    Danville, VA (FHA|USDA|VA) 32 $4,700,000 $146,875 $3,529 2.81%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 23 $4,685,000 $203,696 $2,523 2.73%
    FAYETTEVILLE, NC (FHA|USDA|VA) 18 $4,600,000 $255,556 $4,808 2.68%
    ROCHESTER, MN (FHA|USDA|VA) 18 $4,440,000 $246,667 $5,325 2.86%
    BEND, OR (FHA|USDA|VA) 11 $4,425,000 $402,273 $4,332 3.00%
    STOCKTON, CA (FHA|USDA|VA) 11 $4,385,000 $398,636 $5,276 2.99%
    Starkville, MS (FHA|USDA|VA) 22 $4,370,000 $198,636 $4,254 2.74%
    Boone, NC (FHA|USDA|VA) 12 $4,250,000 $354,167 $4,124 2.94%
    Sunbury, PA (FHA|USDA|VA) 25 $4,215,000 $168,600 $5,205 2.74%
    Sikeston, MO (FHA|USDA|VA) 21 $4,205,000 $200,238 $2,971 2.98%
    HINESVILLE, GA (FHA|USDA|VA) 20 $4,200,000 $210,000 $6,642 2.86%
    Whitewater, WI (FHA|USDA|VA) 14 $4,200,000 $300,000 $3,744 3.14%
    PANAMA CITY, FL (FHA|USDA|VA) 10 $4,190,000 $419,000 $5,311 2.85%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 15 $4,175,000 $278,333 $7,239 2.82%
    Morehead City, NC (FHA|USDA|VA) 12 $4,160,000 $346,667 $5,267 2.70%
    Picayune, MS (FHA|USDA|VA) 21 $4,155,000 $197,857 $4,888 2.87%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 22 $4,150,000 $188,636 $5,562 3.72%
    Brevard, NC (FHA|USDA|VA) 5 $4,065,000 $813,000 $9,844 2.88%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 14 $4,050,000 $289,286 $4,733 2.88%
    THE VILLAGES, FL (FHA|USDA|VA) 18 $4,050,000 $225,000 $3,455 3.11%
    VALLEJO, CA (FHA|USDA|VA) 12 $4,050,000 $337,500 $4,628 3.10%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 15 $4,045,000 $269,667 $4,641 2.87%
    JOHNSTOWN, PA (FHA|USDA|VA) 28 $4,000,000 $142,857 $5,330 3.13%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 12 $3,970,000 $330,833 $4,581 2.90%
    HAMMOND, LA (FHA|USDA|VA) 20 $3,910,000 $195,500 $5,135 3.17%
    Athens, TN (FHA|USDA|VA) 18 $3,890,000 $216,111 $3,780 2.84%
    Cullman, AL (FHA|USDA|VA) 17 $3,885,000 $228,529 $2,989 3.16%
    London, KY (FHA|USDA|VA) 18 $3,880,000 $215,556 $2,878 2.82%
    ABILENE, TX (FHA|USDA|VA) 17 $3,875,000 $227,941 $4,523 3.05%
    LONGVIEW, TX (FHA|USDA|VA) 13 $3,855,000 $296,538 $5,745 2.89%
    ITHACA, NY (FHA|USDA|VA) 22 $3,830,000 $174,091 $4,028 3.68%
    Gloversville, NY (FHA|USDA|VA) 36 $3,780,000 $105,000 $4,255 3.83%
    MOBILE, AL (FHA|USDA|VA) 20 $3,750,000 $187,500 $3,706 3.01%
    NAPA, CA (FHA|USDA|VA) 6 $3,730,000 $621,667 $6,351 3.00%
    Lewisburg, PA (FHA|USDA|VA) 15 $3,695,000 $246,333 $6,116 3.07%
    GRAND ISLAND, NE (FHA|USDA|VA) 19 $3,675,000 $193,421 $2,648 2.89%
    TYLER, TX (FHA|USDA|VA) 15 $3,615,000 $241,000 $4,197 3.00%
    Sandusky, OH (FHA|USDA|VA) 17 $3,595,000 $211,471 $4,426 3.20%
    WILLIAMSPORT, PA (FHA|USDA|VA) 22 $3,590,000 $163,182 $5,607 3.11%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 19 $3,555,000 $187,105 $5,950 3.15%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 16 $3,500,000 $218,750 $3,881 2.91%
    Woodward, OK (FHA|USDA|VA) 15 $3,475,000 $231,667 $3,752 2.91%
    Forest City, NC (FHA|USDA|VA) 9 $3,415,000 $379,444 $5,844 2.97%
    JACKSON, TN (FHA|USDA|VA) 23 $3,375,000 $146,739 $2,980 2.96%
    New Castle, IN (FHA|USDA|VA) 25 $3,355,000 $134,200 $2,241 3.05%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 18 $3,330,000 $185,000 $4,263 3.03%
    Athens, TX (FHA|USDA|VA) 10 $3,280,000 $328,000 $6,009 2.73%
    Dayton, TN (FHA|USDA|VA) 16 $3,190,000 $199,375 $4,346 2.54%
    JACKSONVILLE, NC (FHA|USDA|VA) 17 $3,165,000 $186,176 $3,265 2.71%
    Kerrville, TX (FHA|USDA|VA) 11 $3,145,000 $285,909 $6,406 2.78%
    Meridian, MS (FHA|USDA|VA) 12 $3,110,000 $259,167 $4,423 2.84%
    Greeneville, TN (FHA|USDA|VA) 20 $3,100,000 $155,000 $3,691 3.08%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 15 $3,085,000 $205,667 $4,492 2.99%
    TALLAHASSEE, FL (FHA|USDA|VA) 14 $3,080,000 $220,000 $4,899 3.07%
    Huntsville, TX (FHA|USDA|VA) 9 $3,075,000 $341,667 $6,367 2.92%
    Huntingdon, PA (FHA|USDA|VA) 23 $3,065,000 $133,261 $4,490 3.23%
    Harrison, AR (FHA|USDA|VA) 27 $3,065,000 $113,519 $2,936 2.97%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 13 $3,035,000 $233,462 $3,154 2.87%
    SPARTANBURG, SC (FHA|USDA|VA) 16 $3,010,000 $188,125 $5,206 2.78%
    GREEN BAY, WI (FHA|USDA|VA) 11 $2,955,000 $268,636 $3,854 2.85%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 16 $2,930,000 $183,125 $4,872 2.72%
    WINCHESTER, VA-WV (FHA|USDA|VA) 12 $2,870,000 $239,167 $4,541 2.97%
    Hays, KS (FHA|USDA|VA) 16 $2,850,000 $178,125 $4,630 2.86%
    RENO, NV (FHA|USDA|VA) 9 $2,815,000 $312,778 $3,972 2.93%
    BELLINGHAM, WA (FHA|USDA|VA) 9 $2,795,000 $310,556 $4,005 2.85%
    BURLINGTON, NC (FHA|USDA|VA) 13 $2,795,000 $215,000 $3,116 2.94%
    FORT COLLINS, CO (FHA|USDA|VA) 10 $2,790,000 $279,000 $3,920 2.85%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 11 $2,775,000 $252,273 $2,923 3.09%
    ALBUQUERQUE, NM (FHA|USDA|VA) 13 $2,775,000 $213,462 $3,224 2.88%
    PEORIA, IL (FHA|USDA|VA) 19 $2,755,000 $145,000 $3,104 2.68%
    Galesburg, IL (FHA|USDA|VA) 27 $2,735,000 $101,296 $3,874 2.63%
    SAVANNAH, GA (FHA|USDA|VA) 14 $2,730,000 $195,000 $3,944 3.14%
    BOISE CITY, ID (FHA|USDA|VA) 11 $2,715,000 $246,818 $5,523 2.74%
    WICHITA, KS (FHA|USDA|VA) 18 $2,680,000 $148,889 $3,072 2.76%
    Holland, MI (FHA|USDA|VA) 12 $2,670,000 $222,500 $2,490 3.15%
    DuBois, PA (FHA|USDA|VA) 19 $2,615,000 $137,632 $5,658 2.96%
    Olean, NY (FHA|USDA|VA) 17 $2,565,000 $150,882 $3,917 4.02%
    Defiance, OH (FHA|USDA|VA) 12 $2,550,000 $212,500 $3,941 3.15%
    Selinsgrove, PA (FHA|USDA|VA) 13 $2,525,000 $194,231 $5,627 3.08%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 17 $2,525,000 $148,529 $2,987 3.33%
    Alexander City, AL (FHA|USDA|VA) 8 $2,510,000 $313,750 $6,350 3.01%
    Lock Haven, PA (FHA|USDA|VA) 17 $2,505,000 $147,353 $6,449 3.34%
    LAREDO, TX (FHA|USDA|VA) 7 $2,495,000 $356,429 $9,633 2.93%
    Chillicothe, OH (FHA|USDA|VA) 15 $2,475,000 $165,000 $4,560 3.67%
    MORGANTOWN, WV (FHA|USDA|VA) 13 $2,435,000 $187,308 $3,888 2.93%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 6 $2,430,000 $405,000 $5,024 2.90%
    Heber, UT (FHA|USDA|VA) 5 $2,405,000 $481,000 $7,185 2.75%
    BILLINGS, MT (FHA|USDA|VA) 10 $2,390,000 $239,000 $3,949 2.89%
    Glasgow, KY (FHA|USDA|VA) 13 $2,385,000 $183,462 $3,061 2.91%
    Duncan, OK (FHA|USDA|VA) 7 $2,355,000 $336,429 $5,259 3.04%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $2,350,000 $587,500 $4,891 2.81%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $2,350,000 $391,667 $4,179 3.17%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 8 $2,350,000 $293,750 $3,067 2.91%
    Corsicana, TX (FHA|USDA|VA) 7 $2,335,000 $333,571 $4,255 2.86%
    JOPLIN, MO (FHA|USDA|VA) 18 $2,330,000 $129,444 $2,341 2.98%
    OWENSBORO, KY (FHA|USDA|VA) 15 $2,315,000 $154,333 $2,419 3.38%
    SPRINGFIELD, MO (FHA|USDA|VA) 14 $2,300,000 $164,286 $2,909 2.83%
    MONTGOMERY, AL (FHA|USDA|VA) 11 $2,285,000 $207,727 $3,193 2.82%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $2,255,000 $322,143 $3,649 2.95%
    Plattsburgh, NY (FHA|USDA|VA) 14 $2,240,000 $160,000 $3,628 3.06%
    Malvern, AR (FHA|USDA|VA) 12 $2,210,000 $184,167 $4,863 2.86%
    CORVALLIS, OR (FHA|USDA|VA) 8 $2,190,000 $273,750 $4,357 2.80%
    RACINE, WI (FHA|USDA|VA) 8 $2,180,000 $272,500 $2,252 3.06%
    Jefferson, GA (FHA|USDA|VA) 8 $2,160,000 $270,000 $3,319 3.13%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 12 $2,140,000 $178,333 $4,821 3.01%
    JEFFERSON CITY, MO (FHA|USDA|VA) 8 $2,110,000 $263,750 $4,065 2.53%
    Middlesborough, KY (FHA|USDA|VA) 14 $2,100,000 $150,000 $2,860 2.62%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $2,005,000 $668,333 $10,023 3.13%
    BANGOR, ME (FHA|USDA|VA) 11 $2,005,000 $182,273 $3,091 3.49%
    Batavia, NY (FHA|USDA|VA) 20 $2,000,000 $100,000 $3,089 4.00%
    BLOOMINGTON, IN (FHA|USDA|VA) 7 $1,995,000 $285,000 $2,134 3.09%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 11 $1,995,000 $181,364 $4,489 3.44%
    SANTA FE, NM (FHA|USDA|VA) 6 $1,990,000 $331,667 $4,728 2.50%
    Fredericksburg, TX (FHA|USDA|VA) 5 $1,945,000 $389,000 $6,228 2.80%
    Amsterdam, NY (FHA|USDA|VA) 18 $1,920,000 $106,667 $2,693 4.12%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 6 $1,910,000 $318,333 $4,777 2.83%
    Lewisburg, TN (FHA|USDA|VA) 7 $1,905,000 $272,143 $3,740 3.04%
    Granbury, TX (FHA|USDA|VA) 7 $1,905,000 $272,143 $4,767 2.84%
    Marion, NC (FHA|USDA|VA) 4 $1,890,000 $472,500 $6,182 3.03%
    Breckenridge, CO (FHA|USDA|VA) 3 $1,865,000 $621,667 $8,967 2.54%
    Findlay, OH (FHA|USDA|VA) 9 $1,865,000 $207,222 $3,939 3.04%
    Rockport, TX (FHA|USDA|VA) 7 $1,865,000 $266,429 $6,522 3.16%
    GREELEY, CO (FHA|USDA|VA) 6 $1,860,000 $310,000 $2,612 2.71%
    SUMTER, SC (FHA|USDA|VA) 12 $1,860,000 $155,000 $2,849 2.82%
    Calhoun, GA (FHA|USDA|VA) 9 $1,855,000 $206,111 $3,160 2.76%
    Paducah, KY-IL (FHA|USDA|VA) 12 $1,840,000 $153,333 $2,827 2.71%
    Newport, TN (FHA|USDA|VA) 6 $1,820,000 $303,333 $3,827 2.65%
    WHEELING, WV-OH (FHA|USDA|VA) 12 $1,820,000 $151,667 $3,787 3.08%
    El Campo, TX (FHA|USDA|VA) 8 $1,810,000 $226,250 $4,993 2.75%
    CHARLESTON, WV (FHA|USDA|VA) 9 $1,785,000 $198,333 $3,301 2.63%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 13 $1,785,000 $137,308 $4,415 3.39%
    Paragould, AR (FHA|USDA|VA) 8 $1,770,000 $221,250 $3,745 2.86%
    NILES, MI (FHA|USDA|VA) 12 $1,710,000 $142,500 $3,975 3.50%
    FORT SMITH, AR-OK (FHA|USDA|VA) 8 $1,710,000 $213,750 $3,264 2.95%
    Cleveland, MS (FHA|USDA|VA) 10 $1,690,000 $169,000 $4,157 2.70%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 8 $1,680,000 $210,000 $2,930 2.56%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 11 $1,675,000 $152,273 $3,286 3.10%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 14 $1,670,000 $119,286 $3,420 3.50%
    Richmond-Berea, KY (FHA|USDA|VA) 8 $1,660,000 $207,500 $3,180 3.19%
    GREENVILLE, NC (FHA|USDA|VA) 9 $1,615,000 $179,444 $2,381 2.75%
    FRESNO, CA (FHA|USDA|VA) 8 $1,610,000 $201,250 $4,280 3.27%
    LAS CRUCES, NM (FHA|USDA|VA) 11 $1,605,000 $145,909 $3,183 2.65%
    Cortland, NY (FHA|USDA|VA) 16 $1,570,000 $98,125 $3,952 4.20%
    STAUNTON, VA (FHA|USDA|VA) 8 $1,560,000 $195,000 $3,492 2.83%
    Searcy, AR (FHA|USDA|VA) 7 $1,555,000 $222,143 $3,626 2.96%
    Stephenville, TX (FHA|USDA|VA) 6 $1,540,000 $256,667 $4,753 3.06%
    BAKERSFIELD, CA (FHA|USDA|VA) 5 $1,535,000 $307,000 $4,899 2.83%
    Ogdensburg-Massena, NY (FHA|USDA|VA) 15 $1,535,000 $102,333 $3,543 4.09%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 9 $1,525,000 $169,444 $4,099 3.39%
    Ashtabula, OH (FHA|USDA|VA) 12 $1,520,000 $126,667 $4,286 3.57%
    Seneca, SC (FHA|USDA|VA) 4 $1,500,000 $375,000 $4,125 2.97%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 7 $1,465,000 $209,286 $4,435 2.68%
    Ruston, LA (FHA|USDA|VA) 5 $1,465,000 $293,000 $4,729 3.13%
    TOPEKA, KS (FHA|USDA|VA) 8 $1,440,000 $180,000 $3,490 3.03%
    Seneca Falls, NY (FHA|USDA|VA) 12 $1,400,000 $116,667 $3,574 3.72%
    MANSFIELD, OH (FHA|USDA|VA) 12 $1,400,000 $116,667 $4,110 3.66%
    Wilmington, OH (FHA|USDA|VA) 9 $1,395,000 $155,000 $5,981 3.15%
    MUNCIE, IN (FHA|USDA|VA) 7 $1,395,000 $199,286 $2,959 2.95%
    SALINAS, CA (FHA|USDA|VA) 2 $1,390,000 $695,000 $5,262 2.94%
    Corning, NY (FHA|USDA|VA) 7 $1,385,000 $197,857 $3,101 3.04%
    Shelbyville, TN (FHA|USDA|VA) 5 $1,385,000 $277,000 $4,175 2.90%
    GAINESVILLE, FL (FHA|USDA|VA) 6 $1,370,000 $228,333 $3,423 3.13%
    YUBA CITY, CA (FHA|USDA|VA) 4 $1,360,000 $340,000 $3,278 2.78%
    Fremont, NE (FHA|USDA|VA) 7 $1,355,000 $193,571 $4,181 3.29%
    Prineville, OR (FHA|USDA|VA) 3 $1,335,000 $445,000 $5,452 2.92%
    Jesup, GA (FHA|USDA|VA) 6 $1,330,000 $221,667 $8,168 2.81%
    ELMIRA, NY (FHA|USDA|VA) 13 $1,325,000 $101,923 $3,145 4.25%
    FARGO, ND-MN (FHA|USDA|VA) 6 $1,320,000 $220,000 $4,386 2.52%
    Clewiston, FL (FHA|USDA|VA) 7 $1,315,000 $187,857 $4,674 3.09%
    Orangeburg, SC (FHA|USDA|VA) 9 $1,315,000 $146,111 $3,509 2.83%
    Malone, NY (FHA|USDA|VA) 8 $1,280,000 $160,000 $3,712 3.11%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 13 $1,275,000 $98,077 $4,800 4.23%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 5 $1,275,000 $255,000 $2,566 2.98%
    GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,230,000 $307,500 $5,838 3.19%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 8 $1,230,000 $153,750 $4,197 2.80%
    Branson, MO (FHA|USDA|VA) 5 $1,225,000 $245,000 $2,612 2.80%
    Bozeman, MT (FHA|USDA|VA) 5 $1,195,000 $239,000 $3,378 3.05%
    Kendallville, IN (FHA|USDA|VA) 6 $1,180,000 $196,667 $3,426 2.88%
    Newport, OR (FHA|USDA|VA) 3 $1,175,000 $391,667 $6,340 2.71%
    COLUMBUS, IN (FHA|USDA|VA) 6 $1,170,000 $195,000 $3,259 3.02%
    DULUTH, MN-WI (FHA|USDA|VA) 6 $1,170,000 $195,000 $3,689 2.69%
    DECATUR, AL (FHA|USDA|VA) 7 $1,165,000 $166,429 $3,301 2.80%
    MISSOULA, MT (FHA|USDA|VA) 6 $1,160,000 $193,333 $2,921 2.79%
    Milledgeville, GA (FHA|USDA|VA) 7 $1,155,000 $165,000 $4,129 2.93%
    REDDING, CA (FHA|USDA|VA) 4 $1,150,000 $287,500 $3,362 2.88%
    Washington, NC (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,455 2.96%
    MERCED, CA (FHA|USDA|VA) 6 $1,120,000 $186,667 $7,518 2.48%
    Paris, TN (FHA|USDA|VA) 11 $1,115,000 $101,364 $3,410 2.89%
    WARNER ROBINS, GA (FHA|USDA|VA) 7 $1,115,000 $159,286 $4,160 2.89%
    Waycross, GA (FHA|USDA|VA) 7 $1,105,000 $157,857 $5,619 3.07%
    Fort Polk South, LA (FHA|USDA|VA) 5 $1,095,000 $219,000 $2,804 2.73%
    KANKAKEE, IL (FHA|USDA|VA) 7 $1,095,000 $156,429 $4,184 3.66%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 5 $1,085,000 $217,000 $1,682 3.05%
    Lawrenceburg, TN (FHA|USDA|VA) 6 $1,070,000 $178,333 $4,512 2.94%
    Auburn, IN (FHA|USDA|VA) 7 $1,055,000 $150,714 $3,103 3.29%
    Beaver Dam, WI (FHA|USDA|VA) 4 $1,050,000 $262,500 $2,614 2.88%
    SPRINGFIELD, OH (FHA|USDA|VA) 8 $1,040,000 $130,000 $3,340 3.20%
    CHICO, CA (FHA|USDA|VA) 3 $1,035,000 $345,000 $2,634 2.79%
    ST. GEORGE, UT (FHA|USDA|VA) 3 $1,035,000 $345,000 $3,925 2.71%
    Tupelo, MS (FHA|USDA|VA) 8 $1,030,000 $128,750 $4,230 2.67%
    ROCKFORD, IL (FHA|USDA|VA) 7 $1,025,000 $146,429 $2,235 3.14%
    Kalispell, MT (FHA|USDA|VA) 3 $1,025,000 $341,667 $4,389 3.08%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 7 $1,015,000 $145,000 $4,297 2.79%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $1,010,000 $505,000 $18,441 2.63%
    Jasper, AL (FHA|USDA|VA) 5 $1,005,000 $201,000 $5,432 3.05%
    SHEBOYGAN, WI (FHA|USDA|VA) 5 $1,005,000 $201,000 $3,167 2.83%
    VICTORIA, TX (FHA|USDA|VA) 4 $1,000,000 $250,000 $4,545 2.63%
    GADSDEN, AL (FHA|USDA|VA) 5 $985,000 $197,000 $3,557 2.90%
    RAPID CITY, SD (FHA|USDA|VA) 4 $980,000 $245,000 $3,499 2.63%
    Big Rapids, MI (FHA|USDA|VA) 5 $975,000 $195,000 $3,953 3.08%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 6 $970,000 $161,667 $2,418 2.69%
    Roanoke Rapids, NC (FHA|USDA|VA) 3 $965,000 $321,667 $3,010 3.17%
    IOWA CITY, IA (FHA|USDA|VA) 3 $955,000 $318,333 $1,994 2.63%
    MUSKEGON, MI (FHA|USDA|VA) 6 $940,000 $156,667 $3,380 3.00%
    Mount Sterling, KY (FHA|USDA|VA) 3 $935,000 $311,667 $5,283 2.75%
    LIMA, OH (FHA|USDA|VA) 4 $910,000 $227,500 $5,061 3.28%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 6 $910,000 $151,667 $2,773 3.06%
    Mineral Wells, TX (FHA|USDA|VA) 3 $905,000 $301,667 $4,811 3.08%
    Ukiah, CA (FHA|USDA|VA) 3 $905,000 $301,667 $3,119 2.88%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 6 $900,000 $150,000 $3,774 3.13%
    PUEBLO, CO (FHA|USDA|VA) 5 $885,000 $177,000 $2,575 2.73%
    NEW BERN, NC (FHA|USDA|VA) 3 $885,000 $295,000 $3,188 3.04%
    Bluefield, WV-VA (FHA|USDA|VA) 4 $880,000 $220,000 $4,567 2.81%
    BECKLEY, WV (FHA|USDA|VA) 4 $880,000 $220,000 $4,998 3.28%
    Rexburg, ID (FHA|USDA|VA) 5 $875,000 $175,000 $3,959 2.80%
    North Platte, NE (FHA|USDA|VA) 4 $870,000 $217,500 $2,388 2.47%
    BATTLE CREEK, MI (FHA|USDA|VA) 6 $860,000 $143,333 $2,400 3.67%
    MEDFORD, OR (FHA|USDA|VA) 4 $850,000 $212,500 $4,400 2.72%
    Madison, IN (FHA|USDA|VA) 6 $850,000 $141,667 $2,323 3.04%
    Clearlake, CA (FHA|USDA|VA) 3 $845,000 $281,667 $3,248 2.63%
    Warren, PA (FHA|USDA|VA) 7 $845,000 $120,714 $3,959 3.55%
    Cedar City, UT (FHA|USDA|VA) 2 $840,000 $420,000 $4,391 3.25%
    Sturgis, MI (FHA|USDA|VA) 5 $835,000 $167,000 $2,215 3.30%
    MODESTO, CA (FHA|USDA|VA) 4 $830,000 $207,500 $4,030 3.03%
    Marinette, WI-MI (FHA|USDA|VA) 3 $825,000 $275,000 $1,655 3.08%
    Russellville, AR (FHA|USDA|VA) 4 $820,000 $205,000 $4,469 2.94%
    VISALIA, CA (FHA|USDA|VA) 3 $815,000 $271,667 $4,317 3.13%
    Brainerd, MN (FHA|USDA|VA) 4 $810,000 $202,500 $2,749 2.84%
    IDAHO FALLS, ID (FHA|USDA|VA) 5 $805,000 $161,000 $3,347 2.70%
    Aberdeen, SD (FHA|USDA|VA) 4 $800,000 $200,000 $3,642 3.13%
    Bay City, TX (FHA|USDA|VA) 4 $800,000 $200,000 $6,305 3.31%
    Lebanon, MO (FHA|USDA|VA) 5 $785,000 $157,000 $4,689 2.85%
    Beatrice, NE (FHA|USDA|VA) 6 $780,000 $130,000 $2,634 2.65%
    Laramie, WY (FHA|USDA|VA) 4 $780,000 $195,000 $4,076 3.03%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $780,000 $390,000 $7,809 3.00%
    Outside of Metro Areas 3 $765,000 $255,000 $3,633 2.92%
    COLUMBUS, GA-AL (FHA|USDA|VA) 5 $765,000 $153,000 $3,589 2.70%
    Edwards, CO (FHA|USDA|VA) 1 $765,000 $765,000 $3,282 3.00%
    Gainesville, TX (FHA|USDA|VA) 4 $760,000 $190,000 $5,342 2.84%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 6 $760,000 $126,667 $2,284 3.69%
    Kearney, NE (FHA|USDA|VA) 4 $750,000 $187,500 $3,123 3.06%
    Ashland, OH (FHA|USDA|VA) 8 $740,000 $92,500 $4,566 4.41%
    Bartlesville, OK (FHA|USDA|VA) 3 $735,000 $245,000 $10,120 2.92%
    Auburn, NY (FHA|USDA|VA) 6 $730,000 $121,667 $3,788 4.17%
    Fergus Falls, MN (FHA|USDA|VA) 4 $720,000 $180,000 $3,740 2.88%
    Hillsdale, MI (FHA|USDA|VA) 6 $720,000 $120,000 $3,253 2.75%
    Columbus, MS (FHA|USDA|VA) 2 $710,000 $355,000 $3,618 3.00%
    Shelton, WA (FHA|USDA|VA) 3 $705,000 $235,000 $3,597 3.00%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 4 $700,000 $175,000 $4,269 2.88%
    Mount Airy, NC (FHA|USDA|VA) 4 $690,000 $172,500 $3,883 3.09%
    Corinth, MS (FHA|USDA|VA) 5 $685,000 $137,000 $3,952 2.95%
    Urbana, OH (FHA|USDA|VA) 4 $680,000 $170,000 $3,307 2.69%
    DOTHAN, AL (FHA|USDA|VA) 4 $670,000 $167,500 $3,876 2.75%
    COLUMBIA, MO (FHA|USDA|VA) 4 $670,000 $167,500 $4,154 2.91%
    Brownwood, TX (FHA|USDA|VA) 2 $670,000 $335,000 $3,725 3.13%
    Helena, MT (FHA|USDA|VA) 4 $670,000 $167,500 $4,771 2.81%
    GREAT FALLS, MT (FHA|USDA|VA) 4 $670,000 $167,500 $4,328 2.63%
    Martinsville, VA (FHA|USDA|VA) 3 $665,000 $221,667 $3,827 2.75%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $665,000 $665,000 $3,348 2.88%
    Dyersburg, TN (FHA|USDA|VA) 4 $660,000 $165,000 $3,516 2.47%
    MADERA, CA (FHA|USDA|VA) 2 $660,000 $330,000 $3,501 3.06%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 4 $650,000 $162,500 $2,371 3.09%
    Rolla, MO (FHA|USDA|VA) 4 $650,000 $162,500 $2,249 2.69%
    Lake City, FL (FHA|USDA|VA) 2 $640,000 $320,000 $4,262 3.06%
    Elizabeth City, NC (FHA|USDA|VA) 2 $640,000 $320,000 $10,629 2.44%
    Okeechobee, FL (FHA|USDA|VA) 4 $640,000 $160,000 $5,274 2.94%
    Oxford, MS (FHA|USDA|VA) 3 $625,000 $208,333 $5,052 2.75%
    Union City, TN (FHA|USDA|VA) 5 $625,000 $125,000 $2,943 3.20%
    Frankfort, KY (FHA|USDA|VA) 5 $625,000 $125,000 $3,507 3.43%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 3 $615,000 $205,000 $3,594 2.38%
    Campbellsville, KY (FHA|USDA|VA) 3 $605,000 $201,667 $3,373 3.00%
    Farmington, MO (FHA|USDA|VA) 4 $600,000 $150,000 $2,927 3.28%
    CARSON CITY, NV (FHA|USDA|VA) 1 $595,000 $595,000 $3,812 3.00%
    Albemarle, NC (FHA|USDA|VA) 2 $590,000 $295,000 $4,061 3.00%
    Laurel, MS (FHA|USDA|VA) 2 $580,000 $290,000 $6,364 2.75%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $575,000 $191,667 $3,852 3.04%
    Sonora, CA (FHA|USDA|VA) 2 $570,000 $285,000 $3,609 2.94%
    Somerset, KY (FHA|USDA|VA) 2 $570,000 $285,000 $5,492 3.06%
    Astoria, OR (FHA|USDA|VA) 2 $570,000 $285,000 $5,998 2.50%
    Sayre, PA (FHA|USDA|VA) 4 $570,000 $142,500 $3,635 4.13%
    ALEXANDRIA, LA (FHA|USDA|VA) 3 $565,000 $188,333 $3,376 2.67%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $550,000 $275,000 $2,653 2.50%
    McMinnville, TN (FHA|USDA|VA) 4 $550,000 $137,500 $3,221 3.28%
    Aberdeen, WA (FHA|USDA|VA) 1 $545,000 $545,000 $14,526 2.75%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $545,000 $545,000 $4,061 3.13%
    Willmar, MN (FHA|USDA|VA) 1 $545,000 $545,000 $8,274 2.13%
    Hood River, OR (FHA|USDA|VA) 2 $540,000 $270,000 $6,123 3.06%
    Mount Vernon, OH (FHA|USDA|VA) 6 $540,000 $90,000 $2,951 3.67%
    Sanford, NC (FHA|USDA|VA) 2 $540,000 $270,000 $7,587 3.13%
    Grand Rapids, MN (FHA|USDA|VA) 3 $535,000 $178,333 $4,804 3.08%
    Alexandria, MN (FHA|USDA|VA) 1 $535,000 $535,000 $10,507 2.88%
    WICHITA FALLS, TX (FHA|USDA|VA) 5 $535,000 $107,000 $4,101 3.20%
    Marquette, MI (FHA|USDA|VA) 4 $530,000 $132,500 $3,916 3.28%
    Alpena, MI (FHA|USDA|VA) 4 $520,000 $130,000 $2,714 3.16%
    Fremont, OH (FHA|USDA|VA) 4 $520,000 $130,000 $2,982 3.59%
    Yankton, SD (FHA|USDA|VA) 3 $515,000 $171,667 $4,517 2.58%
    Watertown, SD (FHA|USDA|VA) 1 $515,000 $515,000 $2,704 2.63%
    Frankfort, IN (FHA|USDA|VA) 4 $510,000 $127,500 $2,626 3.00%
    SPRINGFIELD, IL (FHA|USDA|VA) 4 $510,000 $127,500 $0 3.03%
    Arcadia, FL (FHA|USDA|VA) 3 $505,000 $168,333 $6,605 3.38%
    Shelby, NC (FHA|USDA|VA) 3 $505,000 $168,333 $3,606 3.00%
    Madisonville, KY (FHA|USDA|VA) 6 $500,000 $83,333 $2,880 3.02%
    AMARILLO, TX (FHA|USDA|VA) 3 $495,000 $165,000 $3,776 2.63%
    Bonham, TX (FHA|USDA|VA) 3 $495,000 $165,000 $4,202 2.75%
    Huntington, IN (FHA|USDA|VA) 4 $490,000 $122,500 $3,356 3.31%
    Bradford, PA (FHA|USDA|VA) 5 $485,000 $97,000 $3,252 2.68%
    Ludington, MI (FHA|USDA|VA) 3 $485,000 $161,667 $2,474 2.79%
    Plainview, TX (FHA|USDA|VA) 3 $485,000 $161,667 $4,080 3.00%
    Richmond, IN (FHA|USDA|VA) 1 $485,000 $485,000 $2,730 2.75%
    Williston, ND (FHA|USDA|VA) 2 $480,000 $240,000 $4,066 2.94%
    Pullman, WA (FHA|USDA|VA) 2 $480,000 $240,000 $3,117 2.75%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $475,000 $475,000 $4,237 2.88%
    BLOOMINGTON, IL (FHA|USDA|VA) 5 $475,000 $95,000 $3,655 3.75%
    Mount Pleasant, MI (FHA|USDA|VA) 5 $475,000 $95,000 $3,527 2.98%
    Angola, IN (FHA|USDA|VA) 3 $475,000 $158,333 $3,750 2.54%
    North Wilkesboro, NC (FHA|USDA|VA) 2 $470,000 $235,000 $3,454 2.38%
    WENATCHEE, WA (FHA|USDA|VA) 1 $465,000 $465,000 $3,780 2.88%
    Central City, KY (FHA|USDA|VA) 3 $465,000 $155,000 $2,439 3.04%
    Seymour, IN (FHA|USDA|VA) 2 $460,000 $230,000 $3,420 2.94%
    BAY CITY, MI (FHA|USDA|VA) 3 $455,000 $151,667 $4,407 4.21%
    YAKIMA, WA (FHA|USDA|VA) 1 $455,000 $455,000 $3,664 3.38%
    MANKATO, MN (FHA|USDA|VA) 2 $450,000 $225,000 $3,051 2.88%
    Greenwood, SC (FHA|USDA|VA) 3 $435,000 $145,000 $3,964 3.08%
    AMES, IA (FHA|USDA|VA) 2 $430,000 $215,000 $4,351 2.19%
    Scottsburg, IN (FHA|USDA|VA) 4 $430,000 $107,500 $2,558 3.72%
    Plymouth, IN (FHA|USDA|VA) 2 $430,000 $215,000 $8,064 2.63%
    Fort Payne, AL (FHA|USDA|VA) 3 $425,000 $141,667 $3,474 2.67%
    Blytheville, AR (FHA|USDA|VA) 2 $420,000 $210,000 $3,197 3.50%
    Levelland, TX (FHA|USDA|VA) 2 $420,000 $210,000 $3,388 3.31%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $420,000 $210,000 $4,527 2.69%
    Quincy, IL-MO (FHA|USDA|VA) 3 $415,000 $138,333 $3,955 2.79%
    Clarksdale, MS (FHA|USDA|VA) 3 $415,000 $138,333 $3,143 2.54%
    Palatka, FL (FHA|USDA|VA) 2 $410,000 $205,000 $6,558 2.69%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $410,000 $205,000 $4,767 2.50%
    VALDOSTA, GA (FHA|USDA|VA) 3 $405,000 $135,000 $2,799 2.83%
    Sheridan, WY (FHA|USDA|VA) 1 $405,000 $405,000 $3,217 2.75%
    Warsaw, IN (FHA|USDA|VA) 4 $400,000 $100,000 $1,971 2.81%
    Alice, TX (FHA|USDA|VA) 2 $400,000 $200,000 $4,448 3.00%
    Minot, ND (FHA|USDA|VA) 2 $400,000 $200,000 $3,133 3.19%
    St. Marys, PA (FHA|USDA|VA) 4 $400,000 $100,000 $4,685 3.69%
    Ozark, AL (FHA|USDA|VA) 2 $400,000 $200,000 $5,700 3.06%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $395,000 $395,000 $0 3.25%
    Norwalk, OH (FHA|USDA|VA) 3 $395,000 $131,667 $3,770 4.58%
    Natchitoches, LA (FHA|USDA|VA) 1 $395,000 $395,000 $4,002 2.88%
    Ardmore, OK (FHA|USDA|VA) 4 $390,000 $97,500 $4,120 2.78%
    Columbus, NE (FHA|USDA|VA) 2 $390,000 $195,000 $2,470 3.00%
    Sulphur Springs, TX (FHA|USDA|VA) 2 $390,000 $195,000 $4,287 3.00%
    FOND DU LAC, WI (FHA|USDA|VA) 2 $390,000 $195,000 $5,063 2.88%
    Ruidoso, NM (FHA|USDA|VA) 1 $385,000 $385,000 $3,503 3.13%
    Vicksburg, MS (FHA|USDA|VA) 2 $380,000 $190,000 $4,844 2.75%
    Tiffin, OH (FHA|USDA|VA) 5 $375,000 $75,000 $4,670 5.13%
    Dublin, GA (FHA|USDA|VA) 2 $370,000 $185,000 $2,992 2.88%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $370,000 $185,000 $2,673 2.75%
    Natchez, MS-LA (FHA|USDA|VA) 2 $370,000 $185,000 $4,337 2.63%
    Connersville, IN (FHA|USDA|VA) 1 $365,000 $365,000 $4,983 2.63%
    Alma, MI (FHA|USDA|VA) 5 $365,000 $73,000 $2,677 4.62%
    LAWTON, OK (FHA|USDA|VA) 1 $365,000 $365,000 $3,649 2.88%
    Cambridge, MD (FHA|USDA|VA) 1 $365,000 $365,000 $7,011 3.13%
    Nacogdoches, TX (FHA|USDA|VA) 2 $360,000 $180,000 $3,698 2.50%
    Murray, KY (FHA|USDA|VA) 2 $360,000 $180,000 $2,627 2.63%
    Red Wing, MN (FHA|USDA|VA) 2 $360,000 $180,000 $4,812 3.06%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $355,000 $355,000 $4,383 2.25%
    Kennett, MO (FHA|USDA|VA) 3 $355,000 $118,333 $3,079 3.17%
    Danville, KY (FHA|USDA|VA) 3 $355,000 $118,333 $3,450 3.25%
    Washington Court House, OH (FHA|USDA|VA) 1 $355,000 $355,000 $2,786 3.50%
    Houghton, MI (FHA|USDA|VA) 2 $350,000 $175,000 $1,780 2.94%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $345,000 $345,000 $9,255 2.88%
    Taos, NM (FHA|USDA|VA) 1 $345,000 $345,000 $3,347 2.38%
    Maryville, MO (FHA|USDA|VA) 1 $345,000 $345,000 $5,740 2.88%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 2 $340,000 $170,000 $7,558 3.50%
    Peru, IN (FHA|USDA|VA) 2 $340,000 $170,000 $1,525 2.69%
    TERRE HAUTE, IN (FHA|USDA|VA) 5 $335,000 $67,000 $3,196 3.40%
    Coffeyville, KS (FHA|USDA|VA) 1 $335,000 $335,000 $3,953 3.00%
    Spearfish, SD (FHA|USDA|VA) 1 $325,000 $325,000 $8,626 2.63%
    Zanesville, OH (FHA|USDA|VA) 2 $320,000 $160,000 $2,730 3.13%
    Scottsboro, AL (FHA|USDA|VA) 2 $320,000 $160,000 $3,351 2.81%
    Ottawa, IL (FHA|USDA|VA) 4 $320,000 $80,000 $3,691 3.91%
    Durant, OK (FHA|USDA|VA) 2 $310,000 $155,000 $6,072 3.00%
    Menomonie, WI (FHA|USDA|VA) 1 $305,000 $305,000 $2,324 3.00%
    Selma, AL (FHA|USDA|VA) 2 $300,000 $150,000 $4,687 2.56%
    Athens, OH (FHA|USDA|VA) 1 $295,000 $295,000 $6,311 2.38%
    Greenville, OH (FHA|USDA|VA) 1 $295,000 $295,000 $4,098 2.75%
    Marion, IN (FHA|USDA|VA) 2 $290,000 $145,000 $1,983 2.44%
    Port Lavaca, TX (FHA|USDA|VA) 2 $290,000 $145,000 $4,567 3.00%
    Rochelle, IL (FHA|USDA|VA) 2 $290,000 $145,000 $5,591 3.06%
    ROCKY MOUNT, NC (FHA|USDA|VA) 2 $280,000 $140,000 $3,550 3.06%
    Minden, LA (FHA|USDA|VA) 2 $280,000 $140,000 $2,905 2.56%
    Weatherford, OK (FHA|USDA|VA) 1 $275,000 $275,000 $3,335 3.13%
    Port Angeles, WA (FHA|USDA|VA) 1 $275,000 $275,000 $3,641 3.38%
    Wapakoneta, OH (FHA|USDA|VA) 1 $275,000 $275,000 $1,792 3.13%
    Martin, TN (FHA|USDA|VA) 2 $270,000 $135,000 $3,608 2.44%
    Bogalusa, LA (FHA|USDA|VA) 2 $270,000 $135,000 $6,178 2.50%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $270,000 $135,000 $3,410 3.25%
    Mitchell, SD (FHA|USDA|VA) 2 $270,000 $135,000 $3,584 2.56%
    LaGrange, GA-AL (FHA|USDA|VA) 2 $260,000 $130,000 $2,836 3.06%
    Mayfield, KY (FHA|USDA|VA) 2 $260,000 $130,000 $2,422 3.31%
    DECATUR, IL (FHA|USDA|VA) 2 $260,000 $130,000 $2,815 2.44%
    ROME, GA (FHA|USDA|VA) 1 $255,000 $255,000 $7,131 2.38%
    Moses Lake, WA (FHA|USDA|VA) 1 $255,000 $255,000 $6,270 3.00%
    Big Stone Gap, VA (FHA|USDA|VA) 2 $250,000 $125,000 $6,438 2.38%
    Indianola, MS (FHA|USDA|VA) 2 $250,000 $125,000 $3,350 2.38%
    Atmore, AL (FHA|USDA|VA) 2 $250,000 $125,000 $2,281 2.69%
    MANHATTAN, KS (FHA|USDA|VA) 2 $250,000 $125,000 $3,103 3.19%
    Butte-Silver Bow, MT (FHA|USDA|VA) 2 $250,000 $125,000 $2,328 2.38%
    Altus, OK (FHA|USDA|VA) 1 $245,000 $245,000 $11,397 2.50%
    Marion, OH (FHA|USDA|VA) 3 $245,000 $81,667 $8,876 5.29%
    Wilson, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,358 2.63%
    Elk City, OK (FHA|USDA|VA) 1 $245,000 $245,000 $3,788 3.00%
    Red Bluff, CA (FHA|USDA|VA) 1 $235,000 $235,000 $5,105 2.38%
    CASPER, WY (FHA|USDA|VA) 1 $235,000 $235,000 $2,689 3.00%
    Ontario, OR-ID (FHA|USDA|VA) 1 $235,000 $235,000 $6,224 2.75%
    Jackson, OH (FHA|USDA|VA) 3 $225,000 $75,000 $0 3.83%
    Decatur, IN (FHA|USDA|VA) 2 $220,000 $110,000 $1,939 3.13%
    FARMINGTON, NM (FHA|USDA|VA) 1 $215,000 $215,000 $5,173 2.25%
    Palestine, TX (FHA|USDA|VA) 1 $215,000 $215,000 $6,613 2.75%
    Mount Vernon, IL (FHA|USDA|VA) 2 $210,000 $105,000 $4,028 3.38%
    Vidalia, GA (FHA|USDA|VA) 2 $210,000 $105,000 $4,136 3.25%
    Ellensburg, WA (FHA|USDA|VA) 1 $205,000 $205,000 $3,159 3.00%
    Lexington, NE (FHA|USDA|VA) 1 $205,000 $205,000 $4,073 2.88%
    Payson, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $2,919 2.75%
    SAN ANGELO, TX (FHA|USDA|VA) 1 $195,000 $195,000 $3,957 2.88%
    Arkadelphia, AR (FHA|USDA|VA) 1 $195,000 $195,000 $3,975 2.88%
    Oak Harbor, WA (FHA|USDA|VA) 1 $195,000 $195,000 $1,948 2.50%
    Sandpoint, ID (FHA|USDA|VA) 1 $195,000 $195,000 $3,144 2.38%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $195,000 $195,000 $2,669 3.38%
    Greensburg, IN (FHA|USDA|VA) 1 $195,000 $195,000 $8,488 2.63%
    Coldwater, MI (FHA|USDA|VA) 2 $190,000 $95,000 $4,253 3.44%
    CHEYENNE, WY (FHA|USDA|VA) 2 $190,000 $95,000 $2,718 2.63%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $185,000 $185,000 $4,603 2.25%
    Worthington, MN (FHA|USDA|VA) 1 $185,000 $185,000 $3,953 3.00%
    Jacksonville, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,887 2.38%
    Pahrump, NV (FHA|USDA|VA) 1 $185,000 $185,000 $4,616 2.63%
    LONGVIEW, WA (FHA|USDA|VA) 1 $175,000 $175,000 $2,450 2.50%
    Roseburg, OR (FHA|USDA|VA) 1 $175,000 $175,000 $3,556 3.63%
    Warrensburg, MO (FHA|USDA|VA) 1 $175,000 $175,000 $4,490 3.13%
    Wauchula, FL (FHA|USDA|VA) 1 $175,000 $175,000 $11,393 2.50%
    Tifton, GA (FHA|USDA|VA) 1 $165,000 $165,000 $4,041 2.99%
    MIDLAND, MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,674 3.00%
    Albertville, AL (FHA|USDA|VA) 1 $165,000 $165,000 $4,279 2.88%
    Thomaston, GA (FHA|USDA|VA) 1 $165,000 $165,000 $4,466 2.88%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,138 2.50%
    Newberry, SC (FHA|USDA|VA) 1 $155,000 $155,000 $5,927 2.88%
    Morgan City, LA (FHA|USDA|VA) 1 $155,000 $155,000 $3,210 3.25%
    Moberly, MO (FHA|USDA|VA) 1 $155,000 $155,000 $1,784 3.25%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 3 $155,000 $51,667 $3,718 3.92%
    Lufkin, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,521 2.88%
    Susanville, CA (FHA|USDA|VA) 1 $155,000 $155,000 $2,564 3.25%
    Stevens Point, WI (FHA|USDA|VA) 1 $155,000 $155,000 $1,055 3.25%
    Escanaba, MI (FHA|USDA|VA) 1 $145,000 $145,000 $1,858 3.25%
    Sweetwater, TX (FHA|USDA|VA) 1 $145,000 $145,000 $9,452 2.38%
    Fairmont, WV (FHA|USDA|VA) 1 $145,000 $145,000 $3,029 3.25%
    Baraboo, WI (FHA|USDA|VA) 1 $145,000 $145,000 $1,498 2.50%
    Lumberton, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,271 3.00%
    EspaƱola, NM (FHA|USDA|VA) 1 $145,000 $145,000 $3,753 3.25%
    Eufaula, AL-GA (FHA|USDA|VA) 1 $135,000 $135,000 $2,857 2.75%
    Celina, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,060 2.50%
    Greenville, MS (FHA|USDA|VA) 1 $135,000 $135,000 $2,860 3.13%
    Muskogee, OK (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.25%
    Hope, AR (FHA|USDA|VA) 1 $125,000 $125,000 $2,914 3.13%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,852 2.88%
    Borger, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,778 2.88%
    North Vernon, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,020 3.38%
    Portales, NM (FHA|USDA|VA) 1 $125,000 $125,000 $3,361 3.38%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $125,000 $125,000 $2,035 2.88%
    Toccoa, GA (FHA|USDA|VA) 1 $115,000 $115,000 $2,654 3.13%
    West Point, MS (FHA|USDA|VA) 1 $115,000 $115,000 $3,735 2.25%
    Bluffton, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,247 3.63%
    Bellefontaine, OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,533 3.13%
    Cadillac, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.50%
    Bedford, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.75%
    Batesville, AR (FHA|USDA|VA) 1 $105,000 $105,000 $3,756 3.25%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.38%
    Clarksburg, WV (FHA|USDA|VA) 1 $95,000 $95,000 $2,258 2.50%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $95,000 $95,000 $3,288 3.00%
    Bemidji, MN (FHA|USDA|VA) 1 $95,000 $95,000 $1,918 2.63%
    Van Wert, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,567 2.88%
    KOKOMO, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.00%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,145 3.13%
    Lamesa, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,881 3.63%
    Dumas, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,736 2.88%
    Jamestown, ND (FHA|USDA|VA) 1 $75,000 $75,000 $3,248 2.75%
    Marietta, OH (FHA|USDA|VA) 2 $70,000 $35,000 $0 6.63%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $65,000 $65,000 $1,394 2.63%
    Crawfordsville, IN (FHA|USDA|VA) 1 $55,000 $55,000 $1,761 2.50%
    Brownsville, TN (FHA|USDA|VA) 1 $55,000 $55,000 $2,313 2.50%
    Gillette, WY (FHA|USDA|VA) 1 $55,000 $55,000 $2,787 3.00%
    Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $55,000 $55,000 $3,023 2.88%
    Freeport, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.74%
    Camden, AR (FHA|USDA|VA) 1 $35,000 $35,000 $2,353 3.00%
    Sidney, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.50%
    Coshocton, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.25%

    Citizens Bank's top markets include New York, Boston, Philadelphia, Pittsburgh, and Providence among others.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 66,461 $23,180,715,000 $348,787 $4,691 2.89%
    HELOC 48,992 $8,202,750,000 $167,430 n/a 3.77%
    FHA 3,111 $701,755,000 $225,572 $7,774 2.78%
    VA 2,029 $643,455,000 $317,129 $6,523 2.61%
    USDA 444 $74,950,000 $168,806 $5,262 2.90%

    For 2021, Citizens Bank's most frequently originated type of loan was Conventional, with 66,461 originations. Their 2nd most popular type was HELOC, with 48,992 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 44,660 $11,406,350,000 $255,404 $3,960 3.04%
    Home Purchase 34,617 $13,907,325,000 $401,748 $5,787 2.97%
    Home Improvement 17,479 $2,295,295,000 $131,317 $6,437 4.04%
    Cash Out Refi 12,912 $3,384,940,000 $262,155 $4,588 2.99%
    Other 11,369 $1,809,715,000 $159,180 $4,570 3.89%

    For 2021, Citizens Bank's most frequently cited loan purpose was Refi, with 44,660 originations. The 2nd most popular reason was Home Purchase, with 34,617 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 54,230 $20,589,250,000 $379,665 $5,260 2.97%
    Other 50,309 $8,585,905,000 $170,663 $3,984 3.75%
    15 Year 12,459 $2,755,375,000 $221,155 $3,742 2.48%
    20 Year 2,758 $658,010,000 $238,582 $3,873 2.92%
    10 Year 1,274 $213,130,000 $167,292 $3,250 2.44%
    30+ year 4 $520,000 $130,000 $0 4.34%
    5 Year 3 $1,435,000 $478,333 $0 3.44%

    For 2021, Citizens Bank's most frequently cited loan duration was 30 Year, with 54,230 originations. The 2nd most popular length was Other, with 50,309 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 30,772 $11,650,360,000 $378,603
    $1k-2k 19,111 $4,558,265,000 $238,515
    $2k-3k 7,053 $2,039,125,000 $289,115
    $5k+ 5,394 $2,918,450,000 $541,055
    $3k-4k 4,636 $1,946,320,000 $419,827
    $4k-5k 2,824 $963,150,000 $341,059

    Citizens Bank's average total fees were $5,260, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 30,772 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 51,667 $16,938,845,000 $327,846
    3-4% 36,794 $9,012,320,000 $244,940
    <2.5% 17,919 $5,772,465,000 $322,142
    4-5% 7,647 $677,625,000 $88,613
    5-6% 3,918 $259,530,000 $66,240
    6-7% 2,195 $110,825,000 $50,490
    7-8% 675 $26,175,000 $38,778
    Over 8% 222 $5,840,000 $26,306

    During 2021, Citizens Bank's average interest rate for loans was 2.97%, while their most frequently originated rate bucket for loans was 2.5-3%, with 51,667 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 40,300 $11,092,580,000 $275,250 $4,722 2.92%
    $100k-200k 38,746 $5,424,440,000 $140,000 $3,663 3.12%
    $100,000 or less 20,483 $1,252,125,000 $61,130 $3,161 4.48%
    $400k-600k 13,018 $6,246,810,000 $479,859 $5,836 2.88%
    $600k-1MM 5,455 $4,064,625,000 $745,119 $7,152 2.91%
    $1MM+ 3,035 $4,723,045,000 $1,556,193 $10,702 2.82%

    2021 saw Citizens Bank place emphasis on $200k-400k loans with 40,300 originations, totaling $11,092,580,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 27,041 $6,719,715,000 $248,501 $4,826 3.22%
    $150k-250k 22,229 $7,259,555,000 $326,580 $5,268 3.16%
    $50k-75k 21,981 $3,651,255,000 $166,110 $4,192 3.32%
    $75k-100k 19,062 $3,860,810,000 $202,540 $4,484 3.28%
    $50k or less 14,885 $1,856,025,000 $124,691 $3,819 3.45%
    $250k+ 14,328 $8,908,460,000 $621,752 $7,182 3.08%

    Citizens Bank lent most frequently to those with incomes in the $100k-150k range, with 27,041 originations. The second most popular income band? $150k-250k, with 22,229 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 26,901 $7,718,665,000 $286,929 $4,633 3.10%
    30-36% 20,348 $5,839,460,000 $286,980 $4,860 3.19%
    <20% 11,691 $3,337,405,000 $285,468 $4,306 3.00%
    50-60% 10,519 $1,840,825,000 $175,000 $7,541 3.72%
    >60% 4,424 $833,630,000 $188,434 $6,518 3.41%
    44% 3,776 $961,270,000 $254,574 $5,062 3.37%
    42% 3,763 $1,150,755,000 $305,808 $5,269 3.27%
    41% 3,683 $1,084,145,000 $294,365 $5,185 3.25%
    39% 3,678 $1,111,850,000 $302,297 $5,150 3.26%
    40% 3,673 $1,130,245,000 $307,717 $5,244 3.25%
    36% 3,626 $1,091,380,000 $300,987 $5,055 3.22%
    38% 3,550 $1,076,530,000 $303,248 $5,160 3.23%
    37% 3,541 $1,038,435,000 $293,260 $4,982 3.28%
    43% 3,389 $873,835,000 $257,844 $5,136 3.34%
    45% 3,291 $790,705,000 $240,263 $5,230 3.61%
    49% 2,786 $702,640,000 $252,204 $5,200 3.22%
    47% 2,615 $694,095,000 $265,428 $5,324 3.21%
    46% 2,610 $697,730,000 $267,330 $5,211 3.28%
    48% 2,607 $660,895,000 $253,508 $5,152 3.23%

    Citizens Bank lent most frequently to those with DTI ratios of 20-30%, with 26,901 originations. The next most common DTI ratio? 30-36%, with 20,348 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 88,488 $23,329,250,000 $263,643 $4,726 3.22%
    Not provided 20,371 $5,740,305,000 $281,788 $5,269 3.30%
    Asian 5,301 $2,049,275,000 $386,583 $5,484 3.01%
    Black 4,892 $996,550,000 $203,710 $5,603 3.62%
    Asian Indian 615 $286,755,000 $466,268 $6,612 3.08%
    Chinese 257 $124,155,000 $483,093 $6,119 2.94%
    American Indian 527 $107,725,000 $204,412 $4,974 3.50%
    Other Asian 223 $64,725,000 $290,247 $5,650 3.38%
    Korean 75 $33,285,000 $443,800 $6,166 3.07%
    Native Hawaiian or Islander 95 $19,075,000 $200,789 $5,428 3.48%
    Filipino 58 $14,430,000 $248,793 $4,605 3.45%
    Other Pacific Islander 71 $9,715,000 $136,831 $3,769 3.87%
    Japanese 14 $7,350,000 $525,000 $6,968 2.99%
    Not applicable 5 $7,085,000 $1,417,000 $0 4.33%
    Vietnamese 35 $7,035,000 $201,000 $4,489 3.18%
    4 $4,270,000 $1,067,500 $8,939 2.53%
    Native Hawaiian 3 $1,995,000 $665,000 $5,613 2.95%
    Samoan 2 $440,000 $220,000 $2,448 2.88%
    Guamanian 1 $205,000 $205,000 $0 4.75%

    Approval Rates

    Total approvals of all applications
    83.39%

    Citizens Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    88.05%

    Citizens Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $85,000 $85,000
    NA 121,036 $32,803,540,000 $271,023

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    121,037 $32,803,625,000 $271,021

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 21,678 $3,525,210,000 $162,617 $3,611 3.48%
    40-60% 22,032 $5,763,080,000 $261,578 $3,892 2.96%
    60-80% 36,583 $12,965,115,000 $354,403 $4,960 2.98%
    80-100% 26,548 $9,224,890,000 $347,480 $5,512 2.97%
    Over 100% 322 $114,870,000 $356,739 $13,819 2.69%
    Under 20% 13,835 $1,205,125,000 $87,107 $3,357 4.52%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Bank, National Association 100 Macy Street Amesbury, MA 1913 Full Service Retail $65,785
    Citizens Bank, National Association 1 Ballston Avenue Saratoga Springs, NY 12866 Full Service B&M $70,800
    Citizens Bank, National Association 1 Capital Plaza, Suite 4 Concord, NH 3301 Full Service B&M $360,541
    Citizens Bank, National Association 1 Citizens Plz Providence, RI 2903 Full Service B&M $6,219,196
    Citizens Bank, National Association 1 Commerce Way Woburn, MA 1801 Full Service B&M $294,261
    Citizens Bank, National Association 101 Andrew Avenue Wayland, MA 1778 Full Service Retail $14,330
    Citizens Bank, National Association 101 Commonwealth Drive Warrendale, PA 15086 Full Service B&M $165,526
    Citizens Bank, National Association 101 Main Street Norristown, PA 19401 Full Service B&M $51,841
    Citizens Bank, National Association 1025 Truman Parkway Hyde Park, MA 2136 Full Service Retail $35,983
    Citizens Bank, National Association 1025 W Lehigh Ave Philadelphia, PA 19133 Full Service B&M $23,657
    Citizens Bank, National Association 1025 Washington Pike Chartiers Valley Shopping Ctr Bridgeville, PA 15017 Full Service Retail $68,383
    Citizens Bank, National Association 1029 W View Park Dr Pittsburgh, PA 15229 Full Service Retail $34,312
    Citizens Bank, National Association 1030 Park Ave Cranston, RI 2910 Full Service B&M $309,191
    Citizens Bank, National Association 10300 Northfield Road Northfield, OH 44067 Full Service B&M $99,938
    Citizens Bank, National Association 104 Main Street Colebrook, NH 3576 Full Service B&M $80,476
    Citizens Bank, National Association 105 Culvert Street, Suite 100 Zelienople, PA 16063 Full Service B&M $78,836
    Citizens Bank, National Association 105 East Street Road Feasterville, PA 19053 Full Service Retail $96,016
    Citizens Bank, National Association 105 Main Street Belleville, MI 48111 Full Service B&M $66,835
    Citizens Bank, National Association 1050 Glenwood Avenue Oneida, NY 13421 Full Service B&M $53,013
    Citizens Bank, National Association 1050 Mountain Laurel Plaza, Ste 1 Latrobe, PA 15650 Full Service Retail $27,122
    Citizens Bank, National Association 1055 West Baltimore Pike Media, PA 19063 Full Service B&M $144,476
    Citizens Bank, National Association 10561 Telegraph Road Glen Allen, VA 23059 Full Service B&M $480
    Citizens Bank, National Association 106 Isabella Street, Suite 102 Pittsburgh, PA 15212 Full Service B&M $95,878
    Citizens Bank, National Association 106 West Evergreen Street West Grove, PA 19390 Full Service B&M $70,105
    Citizens Bank, National Association 1065 North Court Street, Suite C Medina, OH 44256 Full Service Retail $29,057
    Citizens Bank, National Association 10650 Bultleton Ave Philadelphia, PA 19116 Full Service B&M $242,158
    Citizens Bank, National Association 107 North Diamond Street Mercer, PA 16137 Full Service B&M $34,830
    Citizens Bank, National Association 1101 White Horse Road Voorhees, NJ 8043 Full Service B&M $113,561
    Citizens Bank, National Association 1106-30th St N W Canton, OH 44709 Full Service B&M $66,521
    Citizens Bank, National Association 11060 Perry Highway (Route 19) Wexford, PA 15090 Full Service B&M $135,765
    Citizens Bank, National Association 1108 Vt Route 149 West Pawlet, VT 5775 Full Service B&M $31,862
    Citizens Bank, National Association 1109 E Baltimore Pike Kennett Square, PA 19348 Full Service Retail $3,043
    Citizens Bank, National Association 111 A Route 137 East Harwich, MA 2645 Full Service Retail $48,948
    Citizens Bank, National Association 111 Madison Street Rochester, PA 15074 Full Service Retail $15,368
    Citizens Bank, National Association 1116 Route 28 South Yarmouth, MA 2664 Full Service B&M $125,698
    Citizens Bank, National Association 1117 Shelburne Road South Burlington, VT 5403 Full Service B&M $107,156
    Citizens Bank, National Association 112 Franklin Street Westerly, RI 2891 Full Service B&M $119,061
    Citizens Bank, National Association 11221 Pearl Road Strongsville, OH 44136 Full Service B&M $71,908
    Citizens Bank, National Association 1188 Centre Street Newton Center, MA 2459 Full Service B&M $440,869
    Citizens Bank, National Association 1194 Bell Road South Russell, OH 44022 Full Service B&M $83,389
    Citizens Bank, National Association 12 Chestnut Road Paoli, PA 19301 Full Service B&M $139,075
    Citizens Bank, National Association 120 Atwood Ave Cranston, RI 2920 Full Service B&M $210,078
    Citizens Bank, National Association 120 Waterman Street Providence, RI 2906 Full Service B&M $232,604
    Citizens Bank, National Association 1200 Hancock Street Quincy, MA 2169 Full Service B&M $411,350
    Citizens Bank, National Association 1201 Knapp Road North Wales, PA 19454 Full Service Retail $80,859
    Citizens Bank, National Association 121 East City Line Avenue Bala Cynwyd, PA 19004 Full Service Retail $27,572
    Citizens Bank, National Association 121 East Main Street Ligonier, PA 15658 Full Service B&M $55,521
    Citizens Bank, National Association 122 Northeastern Blvd Nashua, NH 3062 Full Service B&M $143,324
    Citizens Bank, National Association 1220 Main Street West Warwick, RI 2893 Full Service B&M $63,597
    Citizens Bank, National Association 12222 Madison Avenue Lakewood, OH 44107 Full Service B&M $77,855
    Citizens Bank, National Association 1225 Jefferson Road Rochester, NY 14623 Full Service Retail $20,099
    Citizens Bank, National Association 123 Cherry Street Milford, CT 6460 Full Service B&M $102,477
    Citizens Bank, National Association 1234 Market Street Philadelphia, PA 19107 Full Service B&M $149,829
    Citizens Bank, National Association 124 Morton Avenue Folsom, PA 19033 Full Service Retail $31,141
    Citizens Bank, National Association 125 Church Street, Suite D Pembroke, MA 2359 Full Service Retail $47,457
    Citizens Bank, National Association 125 Highland Avenue, Route 6 Seekonk, MA 2771 Full Service Retail $42,316
    Citizens Bank, National Association 125 Stephenson Highway Troy, MI 48083 Full Service B&M $75,361
    Citizens Bank, National Association 1250 W. 14 Mile Road Troy, MI 48083 Limited, Administrative $0
    Citizens Bank, National Association 1251 Union Road West Seneca, NY 14224 Full Service B&M $120,337
    Citizens Bank, National Association 126 Medway Road, Suite 2 Milford, MA 1757 Full Service Retail $95,881
    Citizens Bank, National Association 1301 Skippack Pike Center Square, PA 19422 Full Service B&M $102,893
    Citizens Bank, National Association 131 Second St Lewes, DE 19958 Full Service B&M $72,993
    Citizens Bank, National Association 131 White Horse Pike Haddon Heights, NJ 8035 Full Service B&M $194,064
    Citizens Bank, National Association 1313 Franklin Mills Circle Philadelphia, PA 19154 Limited, Drive-thru $604
    Citizens Bank, National Association 132 Ben Avon Heights Road Pittsburgh, PA 15237 Full Service Retail $50,192
    Citizens Bank, National Association 133 Chapel Street Needham, MA 2492 Full Service B&M $146,430
    Citizens Bank, National Association 1330 Boylston Street Chestnut Hill, MA 2467 Full Service B&M $212,736
    Citizens Bank, National Association 134 Nahatan Street Norwood, MA 2062 Full Service B&M $360,606
    Citizens Bank, National Association 134 Pleasant Street Portsmouth, NH 3801 Full Service B&M $217,370
    Citizens Bank, National Association 134 South 34th Street Philadelphia, PA 19104 Full Service B&M $157,721
    Citizens Bank, National Association 1355 Washington Street Boston, MA 2118 Full Service B&M $109,008
    Citizens Bank, National Association 141 Main Street Foxboro, MA 2035 Full Service Retail $44,013
    Citizens Bank, National Association 141 Main Street Worcester, NY 12197 Full Service B&M $47,729
    Citizens Bank, National Association 141 Portland Street Cambridge, MA 2139 Full Service B&M $174,174
    Citizens Bank, National Association 1415 Lititz Pike Lancaster, PA 17601 Full Service B&M $88,930
    Citizens Bank, National Association 1415 Providence Hwy. Norwood, MA 2062 Full Service Retail $75,529
    Citizens Bank, National Association 1416 Route 300 Newburgh, NY 12550 Full Service B&M $121,992
    Citizens Bank, National Association 1417 Walnut Street Philadelphia, PA 19102 Full Service B&M $615,044
    Citizens Bank, National Association 1420 Massachusetts Avenue Arlington, MA 2476 Full Service B&M $0
    Citizens Bank, National Association 1422 North Dupont Street Wilmington, DE 19806 Full Service B&M $100,598
    Citizens Bank, National Association 144 E. Front Street Perrysburg, OH 43551 Full Service B&M $51,988
    Citizens Bank, National Association 1440 Central Avenue Albany, NY 12205 Full Service B&M $502,183
    Citizens Bank, National Association 15 Main Street Dallas, PA 18612 Full Service B&M $76,978
    Citizens Bank, National Association 15 Main Street Keene, NH 3431 Full Service B&M $97,504
    Citizens Bank, National Association 15 Newtown-Richboro Road Richboro, PA 18954 Full Service B&M $139,729
    Citizens Bank, National Association 15 South Main Street West Hartford, CT 6107 Full Service B&M $339,873
    Citizens Bank, National Association 15 W City Avenue Bala Cynwyd, PA 19004 Full Service B&M $164,067
    Citizens Bank, National Association 150 Fort Couch Road Bethel Park, PA 15241 Full Service B&M $262,622
    Citizens Bank, National Association 150 West Central Street Natick, MA 1760 Full Service Retail $56,764
    Citizens Bank, National Association 1501 North Broad Street Philadelphia, PA 19121 Full Service B&M $41,343
    Citizens Bank, National Association 1502 West Chester Pike West Chester, PA 19382 Full Service B&M $126,135
    Citizens Bank, National Association 1504 Canton Road Akron, OH 44312 Full Service B&M $76,723
    Citizens Bank, National Association 15042 Puritas Avenue Cleveland, OH 44135 Full Service B&M $38,082
    Citizens Bank, National Association 15050 Bagley Road Middleburg Heights, OH 44130 Full Service B&M $92,603
    Citizens Bank, National Association 151 Washington Avenue North Haven, CT 6473 Full Service B&M $108,524
    Citizens Bank, National Association 1515 Market Street Philadelphia, PA 19102 Full Service B&M $195,806
    Citizens Bank, National Association 1516 Western Ave Albany, NY 12203 Full Service B&M $111,481
    Citizens Bank, National Association 15169 Pearl Rd Strongsville, OH 44136 Full Service B&M $69,541
    Citizens Bank, National Association 152 Everett Avenue Chelsea, MA 2150 Full Service B&M $188,225
    Citizens Bank, National Association 152 South Main Street Saint Albans, VT 5478 Full Service B&M $54,081
    Citizens Bank, National Association 1521 North Main Street Butler, PA 16001 Full Service Retail $20,651
    Citizens Bank, National Association 153 West Orange Street Shippensburg, PA 17257 Full Service B&M $39,978
    Citizens Bank, National Association 15341 19 Mile Rd. Clinton Township, MI 48038 Full Service B&M $140,460
    Citizens Bank, National Association 154 Water Street Exeter, NH 3833 Full Service B&M $359,326
    Citizens Bank, National Association 160 Providence Highway Dedham, MA 2026 Full Service Retail $41,338
    Citizens Bank, National Association 160 Summer St, Ste 2 Kingston, MA 2364 Full Service Retail $128,146
    Citizens Bank, National Association 160 West Eagle Road Havertown, PA 19083 Full Service B&M $113,266
    Citizens Bank, National Association 160 Winthrop Avenue Lawrence, MA 1843 Full Service B&M $151,637
    Citizens Bank, National Association 1620 Bethlehem Pike Flourtown, PA 19031 Full Service B&M $149,973
    Citizens Bank, National Association 1620 Marsh Road Wilmington, DE 19803 Full Service B&M $70,421
    Citizens Bank, National Association 1628 Tremont Street Boston, MA 2120 Full Service B&M $197,155
    Citizens Bank, National Association 163 Main Street Groton, MA 1450 Full Service B&M $96,000
    Citizens Bank, National Association 165 Needham Street Unit 307 Newton, MA 2464 Full Service B&M $25,746
    Citizens Bank, National Association 165 South Broad Street Grove City, PA 16127 Full Service B&M $49,531
    Citizens Bank, National Association 16501 West Warren Avenue Detroit, MI 48228 Full Service B&M $53,158
    Citizens Bank, National Association 1660 E Street Road Kennett Square, PA 19348 Full Service Retail $6,478
    Citizens Bank, National Association 1671 Butler Plank Road Glenshaw, PA 15116 Full Service Retail $47,024
    Citizens Bank, National Association 168 N. Flowers Mill Road, Suite A Langhorne, PA 19047 Full Service B&M $10,699
    Citizens Bank, National Association 1680 Washington Road Pittsburgh, PA 15241 Full Service B&M $728
    Citizens Bank, National Association 16822 Harvard Avenue Cleveland, OH 44128 Full Service B&M $29,339
    Citizens Bank, National Association 1690 Revere Beach Parkway Everett, MA 2149 Full Service Retail $54,005
    Citizens Bank, National Association 17 South Market Street Johnstown, NY 12095 Full Service B&M $95,654
    Citizens Bank, National Association 1700 New Butler Road New Castle, PA 16101 Full Service Retail $1,919
    Citizens Bank, National Association 1700 Walnut Street Philadelphia, PA 19103 Full Service B&M $87,484
    Citizens Bank, National Association 1701 Cochran Road Pittsburgh, PA 15220 Full Service B&M $135,823
    Citizens Bank, National Association 1701 Lincoln Highway North Versailles, PA 15137 Full Service Retail $16,954
    Citizens Bank, National Association 1704 Mt. Royal Boulevard Glenshaw, PA 15116 Full Service B&M $123,122
    Citizens Bank, National Association 171 Watertown Street Watertown, MA 2472 Full Service Retail $43,843
    Citizens Bank, National Association 1722 Walden Avenue Cheektowaga, NY 14225 Full Service B&M $61,471
    Citizens Bank, National Association 1725 Altamont Avenue Schenectady, NY 12303 Full Service B&M $138,998
    Citizens Bank, National Association 173 Elm Street Milford, NH 3055 Full Service B&M $194,736
    Citizens Bank, National Association 1731 Grand Boulevard Monessen, PA 15062 Full Service B&M $72,453
    Citizens Bank, National Association 17411 Lorain Avenue Cleveland, OH 44111 Full Service B&M $57,785
    Citizens Bank, National Association 175 Route 70 Medford, NJ 8055 Full Service Retail $39,641
    Citizens Bank, National Association 176 West Street Road Feasterville Trevose, PA 19053 Full Service B&M $3,055
    Citizens Bank, National Association 1760 Dekalb Pike Blue Bell, PA 19422 Full Service Retail $43,520
    Citizens Bank, National Association 1761 Haggerty Road Commerce Township, MI 48390 Full Service B&M $57,236
    Citizens Bank, National Association 1776 Massachusetts Avenue Lexington, MA 2420 Full Service B&M $368,083
    Citizens Bank, National Association 18 Washington Avenue Endicott, NY 13760 Full Service B&M $88,571
    Citizens Bank, National Association 180 B Main Street Saugus, MA 1906 Full Service Retail $84,438
    Citizens Bank, National Association 180 Delaware Ave Delmar, NY 12054 Full Service B&M $78,890
    Citizens Bank, National Association 180 Upland Square Drive Stowe, PA 19464 Full Service Retail $40,393
    Citizens Bank, National Association 1800 Mckees Rocks Road Mckees Rocks, PA 15136 Full Service Retail $37,544
    Citizens Bank, National Association 1801 Murray Avenue Pittsburgh, PA 15217 Full Service B&M $241,600
    Citizens Bank, National Association 181 Sophrira Lane Altoona, PA 16602 Full Service Retail $31,681
    Citizens Bank, National Association 182 Linden Street Wellesley, MA 2482 Full Service B&M $218,055
    Citizens Bank, National Association 1826 North Atherton Street State College, PA 16803 Full Service B&M $76,560
    Citizens Bank, National Association 183 Massachusetts Avenue Boston, MA 2115 Full Service B&M $665
    Citizens Bank, National Association 1835 Market Street Philadelphia, PA 19103 Full Service B&M $1,940,212