Citibank Mortgage Rates, Fees & Info

Sioux Falls, SD

LEI: E57ODZWZ7FF32TWEFA76

Tax ID: 13-5266470

5 stars - out of 5 stars, based on 131 reviews

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

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Mortgage Data

Review & Overview

Citibank is a large bank specializing in Home Purchase loans. Citibank 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.) Their top markets by origination volume include: New York, Los Angeles, San Francisco, Miami, and San Jose among others. We have data for 419 markets. (Some data included below & more in-depth data is available with an active subscription.)

Citibank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Citibank 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
30 Year Conventional Purchase 5.14% 5/28/23
30 Year Conventional Refi 5.41% 5/28/23
30 Year Cash-out Refi 5.55% 5/28/23
30 Year FHA Purchase 6.33% 5/28/23
30 Year FHA Refi 6.27% 5/28/23
30 Year VA Purchase 5.89% 5/28/23
30 Year VA Refi 5.63% 5/28/23
15 Year Conventional Purchase 5.31% 5/28/23
15 Year Conventional Refi 5.29% 5/28/23
15 Year Cash-out Refi 5.29% 5/28/23
15 Year FHA Refi 5.68% 5/28/23
15 Year VA Refi 5.68% 5/28/23
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.

Citibank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Citibank. 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

17,246

Origination Dollar Volume (All Markets)

$22,616,550,000
Show all (66) awards

Relative Rate

Citibank's average 30 year fixed mortgage rate was 3.76%.

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

This yields a difference of -1%.

Relative Fees (Closing Costs)

Citibank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,608.

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) 5,803 $6,353,715,000 $1,094,902 $7,520 3.62%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2,124 $3,388,370,000 $1,595,278 $7,708 3.63%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1,073 $1,807,755,000 $1,684,767 $6,981 3.69%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 606 $1,349,410,000 $2,226,749 $11,581 3.54%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 582 $1,082,700,000 $1,860,309 $5,514 3.82%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 692 $800,430,000 $1,156,691 $6,690 3.64%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1,014 $727,300,000 $717,258 $5,594 3.93%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 168 $616,270,000 $3,668,274 $6,626 3.76%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 314 $452,940,000 $1,442,484 $8,751 3.55%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 205 $369,605,000 $1,802,951 $7,182 3.81%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 259 $321,025,000 $1,239,479 $8,931 3.68%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 198 $275,610,000 $1,391,970 $6,555 3.50%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 117 $244,315,000 $2,088,162 $12,819 3.55%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 224 $243,780,000 $1,088,304 $8,751 3.65%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 193 $238,305,000 $1,234,741 $6,213 3.97%
Outside of Metro Areas 208 $236,660,000 $1,137,788 $7,798 3.70%
Glenwood Springs, CO (FHA|USDA|VA) 25 $184,465,000 $7,378,600 $15,282 3.33%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 111 $173,065,000 $1,559,144 $6,770 3.81%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 89 $159,685,000 $1,794,213 $5,581 3.74%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 75 $148,235,000 $1,976,467 $6,186 3.70%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 149 $137,115,000 $920,235 $6,201 3.83%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 103 $136,275,000 $1,323,058 $4,857 3.76%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 175 $135,665,000 $775,229 $7,731 3.75%
RENO, NV (FHA|USDA|VA) 14 $135,500,000 $9,678,571 $6,341 3.81%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 34 $109,330,000 $3,215,588 $7,869 4.01%
Heber, UT (FHA|USDA|VA) 44 $98,090,000 $2,229,318 $7,155 3.29%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 21 $91,335,000 $4,349,286 $5,889 3.81%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 98 $83,900,000 $856,122 $6,165 3.79%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 33 $81,005,000 $2,454,697 $6,758 3.41%
Bozeman, MT (FHA|USDA|VA) 18 $75,990,000 $4,221,667 $9,957 3.35%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 35 $64,065,000 $1,830,429 $7,119 3.91%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 47 $60,185,000 $1,280,532 $5,069 3.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 58 $58,230,000 $1,003,966 $6,389 3.87%
SALT LAKE CITY, UT (FHA|USDA|VA) 26 $55,580,000 $2,137,692 $5,323 3.50%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 68 $54,200,000 $797,059 $6,151 3.90%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 82 $48,190,000 $587,683 $7,356 3.90%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 33 $47,055,000 $1,425,909 $7,638 3.47%
Edwards, CO (FHA|USDA|VA) 21 $46,725,000 $2,225,000 $6,234 3.31%
BOISE CITY, ID (FHA|USDA|VA) 13 $46,605,000 $3,585,000 $4,925 3.10%
REDDING, CA (FHA|USDA|VA) 5 $44,245,000 $8,849,000 $7,654 3.85%
NAPA, CA (FHA|USDA|VA) 11 $43,705,000 $3,973,182 $6,070 3.31%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $43,135,000 $8,627,000 $5,342 3.83%
Thomasville, GA (FHA|USDA|VA) 1 $39,905,000 $39,905,000 $82,773 3.63%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $39,310,000 $3,931,000 $6,229 3.15%
COLUMBIA, SC (FHA|USDA|VA) 16 $38,220,000 $2,388,750 $4,450 4.09%
BOULDER, CO (FHA|USDA|VA) 16 $34,450,000 $2,153,125 $7,238 3.29%
RALEIGH-CARY, NC (FHA|USDA|VA) 51 $34,445,000 $675,392 $4,898 4.09%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $33,815,000 $33,815,000 $0 3.19%
OCEAN CITY, NJ (FHA|USDA|VA) 13 $33,505,000 $2,577,308 $11,917 3.44%
SALINAS, CA (FHA|USDA|VA) 11 $33,155,000 $3,014,091 $38,888 3.67%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 51 $31,375,000 $615,196 $7,146 3.83%
SALISBURY, MD-DE (FHA|USDA|VA) 29 $30,765,000 $1,060,862 $7,032 3.41%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 6 $29,540,000 $4,923,333 $4,988 3.40%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 31 $29,495,000 $951,452 $3,843 4.10%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 23 $28,995,000 $1,260,652 $9,464 3.85%
Torrington, CT (FHA|USDA|VA) 28 $28,990,000 $1,035,357 $7,096 3.35%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 53 $28,885,000 $545,000 $7,179 3.78%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 15 $28,875,000 $1,925,000 $11,886 3.56%
PANAMA CITY, FL (FHA|USDA|VA) 6 $28,420,000 $4,736,667 $4,856 4.64%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 23 $27,825,000 $1,209,783 $6,929 3.48%
EL CENTRO, CA (FHA|USDA|VA) 2 $26,540,000 $13,270,000 $0 3.64%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $26,150,000 $13,075,000 $0 4.47%
Hilo, HI (FHA|USDA|VA) 9 $25,655,000 $2,850,556 $11,724 3.19%
STOCKTON, CA (FHA|USDA|VA) 38 $24,090,000 $633,947 $6,894 3.93%
Jackson, WY-ID (FHA|USDA|VA) 6 $23,420,000 $3,903,333 $8,896 3.38%
JACKSONVILLE, FL (FHA|USDA|VA) 36 $23,110,000 $641,944 $7,125 4.04%
CHICO, CA (FHA|USDA|VA) 1 $23,105,000 $23,105,000 $0 3.25%
Whitewater, WI (FHA|USDA|VA) 2 $22,680,000 $11,340,000 $29,198 2.94%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 17 $22,645,000 $1,332,059 $5,329 3.71%
Kapaa, HI (FHA|USDA|VA) 9 $21,535,000 $2,392,778 $10,515 3.33%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 31 $21,305,000 $687,258 $4,432 3.44%
BAKERSFIELD, CA (FHA|USDA|VA) 12 $21,060,000 $1,755,000 $4,282 4.56%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 17 $20,985,000 $1,234,412 $5,980 3.59%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 26 $20,360,000 $783,077 $9,018 3.79%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 15 $19,415,000 $1,294,333 $5,883 3.93%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $19,215,000 $1,130,294 $7,197 3.34%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 22 $18,290,000 $831,364 $5,742 4.13%
TYLER, TX (FHA|USDA|VA) 3 $17,615,000 $5,871,667 $3,502 4.09%
KINGSTON, NY (FHA|USDA|VA) 27 $17,555,000 $650,185 $6,750 3.42%
ST. LOUIS, MO-IL (FHA|USDA|VA) 42 $17,310,000 $412,143 $4,065 4.14%
URBAN HONOLULU, HI (FHA|USDA|VA) 12 $17,290,000 $1,440,833 $11,023 3.68%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 7 $16,865,000 $2,409,286 $11,685 3.54%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 21 $15,155,000 $721,667 $5,738 3.61%
Lebanon, NH-VT (FHA|USDA|VA) 16 $14,840,000 $927,500 $5,187 3.10%
Vineyard Haven, MA (FHA|USDA|VA) 8 $14,410,000 $1,801,250 $7,546 3.45%
Kearney, NE (FHA|USDA|VA) 3 $14,395,000 $4,798,333 $0 1.75%
Durango, CO (FHA|USDA|VA) 3 $13,965,000 $4,655,000 $13,207 3.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 15 $13,405,000 $893,667 $5,907 3.44%
SALEM, OR (FHA|USDA|VA) 2 $12,930,000 $6,465,000 $0 2.87%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 6 $12,660,000 $2,110,000 $4,126 4.03%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 37 $12,465,000 $336,892 $4,967 3.66%
Pontiac, IL (FHA|USDA|VA) 3 $12,365,000 $4,121,667 $3,669 4.41%
SANTA FE, NM (FHA|USDA|VA) 12 $12,160,000 $1,013,333 $8,094 3.78%
Breckenridge, CO (FHA|USDA|VA) 6 $11,880,000 $1,980,000 $6,309 3.94%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 26 $11,800,000 $453,846 $5,927 3.92%
NILES, MI (FHA|USDA|VA) 7 $10,545,000 $1,506,429 $5,803 3.04%
Easton, MD (FHA|USDA|VA) 5 $10,385,000 $2,077,000 $8,179 3.35%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 11 $10,185,000 $925,909 $6,124 3.88%
Hailey, ID (FHA|USDA|VA) 3 $10,065,000 $3,355,000 $14,122 2.83%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 17 $9,945,000 $585,000 $6,547 3.63%
BRUNSWICK, GA (FHA|USDA|VA) 5 $9,345,000 $1,869,000 $7,970 3.10%
Truckee-Grass Valley, CA (FHA|USDA|VA) 10 $9,320,000 $932,000 $5,000 3.85%
PORT ST. LUCIE, FL (FHA|USDA|VA) 19 $8,965,000 $471,842 $9,132 3.89%
Outside of Metro Areas 4 $8,950,000 $2,237,500 $24,363 3.75%
COLUMBUS, OH (FHA|USDA|VA) 16 $8,360,000 $522,500 $4,553 4.03%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $8,155,000 $1,165,000 $4,553 3.66%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 35 $8,155,000 $233,000 $5,883 4.06%
FRESNO, CA (FHA|USDA|VA) 38 $8,140,000 $214,211 $4,944 3.87%
KANSAS CITY, MO-KS (FHA|USDA|VA) 23 $8,035,000 $349,348 $3,345 3.66%
Steamboat Springs, CO (FHA|USDA|VA) 4 $8,010,000 $2,002,500 $5,029 3.25%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 9 $7,445,000 $827,222 $4,612 4.39%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 15 $7,195,000 $479,667 $6,525 3.73%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 17 $6,965,000 $409,706 $5,012 4.40%
Bennington, VT (FHA|USDA|VA) 7 $6,915,000 $987,857 $7,727 2.91%
PITTSBURGH, PA (FHA|USDA|VA) 20 $6,580,000 $329,000 $6,087 4.21%
RICHMOND, VA (FHA|USDA|VA) 18 $6,580,000 $365,556 $6,032 3.93%
Key West, FL (FHA|USDA|VA) 7 $6,505,000 $929,286 $8,077 3.52%
KNOXVILLE, TN (FHA|USDA|VA) 11 $6,435,000 $585,000 $5,545 3.78%
ROCHESTER, NY (FHA|USDA|VA) 7 $6,395,000 $913,571 $6,041 3.25%
Traverse City, MI (FHA|USDA|VA) 4 $6,090,000 $1,522,500 $5,338 3.88%
LOUISVILLE, KY (FHA|USDA|VA) 8 $5,740,000 $717,500 $6,010 3.59%
PROVO-OREM, UT (FHA|USDA|VA) 9 $5,725,000 $636,111 $3,557 3.49%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 16 $5,670,000 $354,375 $5,063 4.18%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 4 $5,650,000 $1,412,500 $10,384 4.59%
PITTSFIELD, MA (FHA|USDA|VA) 8 $5,500,000 $687,500 $7,170 3.73%
TUCSON, AZ (FHA|USDA|VA) 15 $5,425,000 $361,667 $6,708 3.78%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 20 $5,360,000 $268,000 $6,527 4.13%
EL PASO, TX (FHA|USDA|VA) 5 $5,275,000 $1,055,000 $5,723 3.74%
Kalispell, MT (FHA|USDA|VA) 4 $5,200,000 $1,300,000 $6,348 3.22%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 13 $4,675,000 $359,615 $5,934 4.08%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 12 $4,600,000 $383,333 $7,788 4.03%
ASHEVILLE, NC (FHA|USDA|VA) 5 $4,505,000 $901,000 $4,626 3.48%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 7 $4,425,000 $632,143 $4,392 3.93%
GAINESVILLE, FL (FHA|USDA|VA) 3 $4,325,000 $1,441,667 $19,341 3.00%
WORCESTER, MA-CT (FHA|USDA|VA) 10 $4,220,000 $422,000 $4,916 3.45%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 10 $4,170,000 $417,000 $7,979 3.76%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 8 $4,140,000 $517,500 $4,005 3.63%
SAVANNAH, GA (FHA|USDA|VA) 5 $4,005,000 $801,000 $5,774 3.48%
BELLINGHAM, WA (FHA|USDA|VA) 5 $3,975,000 $795,000 $4,818 4.25%
GLENS FALLS, NY (FHA|USDA|VA) 3 $3,775,000 $1,258,333 $7,842 4.88%
Hudson, NY (FHA|USDA|VA) 5 $3,655,000 $731,000 $6,467 3.60%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $3,640,000 $910,000 $5,130 3.72%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $3,630,000 $605,000 $8,611 4.08%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 6 $3,610,000 $601,667 $4,103 4.54%
VISALIA, CA (FHA|USDA|VA) 8 $3,580,000 $447,500 $4,289 3.48%
Athens, TX (FHA|USDA|VA) 3 $3,475,000 $1,158,333 $7,514 2.79%
MERCED, CA (FHA|USDA|VA) 12 $3,470,000 $289,167 $4,330 3.65%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 19 $3,445,000 $181,316 $4,144 3.43%
ERIE, PA (FHA|USDA|VA) 1 $3,425,000 $3,425,000 $0 4.23%
OKLAHOMA CITY, OK (FHA|USDA|VA) 14 $3,290,000 $235,000 $5,840 4.07%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $3,195,000 $456,429 $4,804 3.79%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 9 $3,115,000 $346,111 $3,379 4.43%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $3,115,000 $346,111 $5,453 4.01%
TUSCALOOSA, AL (FHA|USDA|VA) 5 $3,065,000 $613,000 $4,110 3.10%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $3,025,000 $1,008,333 $4,155 3.50%
Sevierville, TN (FHA|USDA|VA) 5 $2,995,000 $599,000 $7,092 4.15%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 9 $2,905,000 $322,778 $9,245 4.40%
Rutland, VT (FHA|USDA|VA) 4 $2,850,000 $712,500 $6,764 3.00%
OCALA, FL (FHA|USDA|VA) 8 $2,840,000 $355,000 $6,935 3.94%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $2,645,000 $529,000 $4,459 3.40%
ALBUQUERQUE, NM (FHA|USDA|VA) 14 $2,630,000 $187,857 $4,191 3.55%
BEND, OR (FHA|USDA|VA) 2 $2,630,000 $1,315,000 $6,986 4.06%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $2,600,000 $650,000 $5,762 4.03%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $2,565,000 $366,429 $4,763 4.61%
BATON ROUGE, LA (FHA|USDA|VA) 5 $2,565,000 $513,000 $4,924 4.18%
ANN ARBOR, MI (FHA|USDA|VA) 6 $2,510,000 $418,333 $3,406 3.96%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $2,500,000 $625,000 $8,309 4.22%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $2,460,000 $1,230,000 $9,883 2.88%
WENATCHEE, WA (FHA|USDA|VA) 1 $2,415,000 $2,415,000 $6,011 3.50%
VALLEJO, CA (FHA|USDA|VA) 6 $2,360,000 $393,333 $5,575 4.56%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $2,310,000 $577,500 $6,637 4.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $2,230,000 $557,500 $4,373 3.34%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $2,185,000 $437,000 $3,119 4.08%
Concord, NH (FHA|USDA|VA) 4 $2,160,000 $540,000 $4,612 3.44%
TULSA, OK (FHA|USDA|VA) 3 $2,115,000 $705,000 $6,127 3.58%
EAST STROUDSBURG, PA (FHA|USDA|VA) 9 $2,075,000 $230,556 $6,832 4.01%
MODESTO, CA (FHA|USDA|VA) 6 $2,050,000 $341,667 $3,613 3.60%
Palestine, TX (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $20,715 2.63%
Berlin, NH (FHA|USDA|VA) 2 $2,000,000 $1,000,000 $4,703 3.94%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $1,975,000 $658,333 $5,829 3.25%
AKRON, OH (FHA|USDA|VA) 4 $1,950,000 $487,500 $8,381 5.94%
Ellensburg, WA (FHA|USDA|VA) 1 $1,885,000 $1,885,000 $7,118 3.25%
LYNCHBURG, VA (FHA|USDA|VA) 4 $1,880,000 $470,000 $5,258 3.63%
HUNTSVILLE, AL (FHA|USDA|VA) 7 $1,865,000 $266,429 $5,665 4.07%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 6 $1,840,000 $306,667 $2,858 3.25%
FORT COLLINS, CO (FHA|USDA|VA) 4 $1,830,000 $457,500 $3,210 3.41%
MADISON, WI (FHA|USDA|VA) 4 $1,820,000 $455,000 $5,941 3.97%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $1,790,000 $447,500 $8,073 4.06%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $1,770,000 $221,250 $5,747 4.33%
Effingham, IL (FHA|USDA|VA) 1 $1,705,000 $1,705,000 $16,814 3.88%
JACKSON, MS (FHA|USDA|VA) 5 $1,685,000 $337,000 $4,203 3.35%
Prineville, OR (FHA|USDA|VA) 1 $1,575,000 $1,575,000 $4,721 4.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $1,560,000 $780,000 $19,521 4.63%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $1,475,000 $491,667 $6,335 3.38%
MADERA, CA (FHA|USDA|VA) 5 $1,435,000 $287,000 $4,099 3.60%
Fredericksburg, TX (FHA|USDA|VA) 1 $1,385,000 $1,385,000 $10,425 3.00%
ST. GEORGE, UT (FHA|USDA|VA) 1 $1,305,000 $1,305,000 $4,807 4.13%
SPRINGFIELD, MA (FHA|USDA|VA) 4 $1,290,000 $322,500 $9,070 4.19%
Mineral Wells, TX (FHA|USDA|VA) 1 $1,275,000 $1,275,000 $10,741 4.13%
Astoria, OR (FHA|USDA|VA) 1 $1,265,000 $1,265,000 $6,226 4.13%
Coos Bay, OR (FHA|USDA|VA) 2 $1,220,000 $610,000 $9,134 4.56%
Barre, VT (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $6,702 3.63%
ANCHORAGE, AK (FHA|USDA|VA) 3 $1,165,000 $388,333 $8,215 3.67%
LANCASTER, PA (FHA|USDA|VA) 6 $1,160,000 $193,333 $4,767 3.21%
WHEELING, WV-OH (FHA|USDA|VA) 3 $1,155,000 $385,000 $4,077 3.83%
HAMMOND, LA (FHA|USDA|VA) 9 $1,095,000 $121,667 $5,472 3.89%
SYRACUSE, NY (FHA|USDA|VA) 5 $1,095,000 $219,000 $6,525 4.48%
Oneonta, NY (FHA|USDA|VA) 3 $1,045,000 $348,333 $4,996 3.71%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,040,000 $260,000 $3,525 3.06%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $1,035,000 $345,000 $4,326 3.67%
Sonora, CA (FHA|USDA|VA) 2 $1,010,000 $505,000 $5,237 3.38%
Malvern, AR (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $5,231 5.50%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $1,005,000 $335,000 $4,608 3.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $995,000 $331,667 $4,944 4.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $970,000 $485,000 $6,298 3.69%
Crescent City, CA (FHA|USDA|VA) 1 $965,000 $965,000 $4,651 3.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $945,000 $189,000 $4,532 3.70%
MEDFORD, OR (FHA|USDA|VA) 1 $925,000 $925,000 $5,085 2.38%
Boone, NC (FHA|USDA|VA) 2 $920,000 $460,000 $3,830 3.13%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $920,000 $153,333 $3,795 4.60%
LAWRENCE, KS (FHA|USDA|VA) 3 $895,000 $298,333 $3,043 3.92%
Morehead City, NC (FHA|USDA|VA) 2 $890,000 $445,000 $5,702 4.94%
Lewisburg, PA (FHA|USDA|VA) 1 $885,000 $885,000 $8,611 3.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $870,000 $145,000 $5,497 5.02%
BILLINGS, MT (FHA|USDA|VA) 3 $865,000 $288,333 $5,431 4.13%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $860,000 $430,000 $6,331 3.19%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $795,000 $159,000 $4,532 3.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $785,000 $261,667 $4,875 2.92%
Montrose, CO (FHA|USDA|VA) 2 $780,000 $390,000 $8,002 2.63%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $765,000 $765,000 $6,075 3.13%
Seneca, SC (FHA|USDA|VA) 1 $755,000 $755,000 $4,591 4.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $735,000 $245,000 $6,376 3.33%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $735,000 $245,000 $3,533 4.21%
DAYTON-KETTERING, OH (FHA|USDA|VA) 6 $730,000 $121,667 $3,760 3.19%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 2 $720,000 $360,000 $4,074 3.81%
Laconia, NH (FHA|USDA|VA) 1 $715,000 $715,000 $4,253 4.75%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $710,000 $177,500 $4,674 4.00%
Brenham, TX (FHA|USDA|VA) 1 $705,000 $705,000 $7,299 3.25%
MIDLAND, TX (FHA|USDA|VA) 2 $690,000 $345,000 $4,679 3.38%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $690,000 $345,000 $5,517 2.44%
Jefferson, GA (FHA|USDA|VA) 3 $685,000 $228,333 $0 5.75%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $685,000 $685,000 $5,903 4.38%
MISSOULA, MT (FHA|USDA|VA) 1 $685,000 $685,000 $3,116 4.88%
Brevard, NC (FHA|USDA|VA) 1 $685,000 $685,000 $4,863 5.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $680,000 $170,000 $4,178 5.25%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $675,000 $225,000 $5,648 3.50%
SPARTANBURG, SC (FHA|USDA|VA) 4 $660,000 $165,000 $3,048 3.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $655,000 $218,333 $3,899 3.92%
GREEN BAY, WI (FHA|USDA|VA) 1 $655,000 $655,000 $3,262 4.25%
FORT WAYNE, IN (FHA|USDA|VA) 4 $650,000 $162,500 $3,773 3.44%
LAS CRUCES, NM (FHA|USDA|VA) 3 $645,000 $215,000 $4,961 3.21%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $645,000 $215,000 $6,206 4.88%
Roseburg, OR (FHA|USDA|VA) 1 $645,000 $645,000 $4,320 4.88%
Corsicana, TX (FHA|USDA|VA) 1 $645,000 $645,000 $6,922 3.75%
BINGHAMTON, NY (FHA|USDA|VA) 6 $640,000 $106,667 $4,835 5.50%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $635,000 $211,667 $4,306 5.00%
GAINESVILLE, GA (FHA|USDA|VA) 1 $605,000 $605,000 $10,070 4.88%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $605,000 $605,000 $10,659 5.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $600,000 $100,000 $5,035 3.96%
Washington, NC (FHA|USDA|VA) 2 $580,000 $290,000 $3,954 3.69%
Angola, IN (FHA|USDA|VA) 1 $575,000 $575,000 $8,254 2.38%
Cullowhee, NC (FHA|USDA|VA) 1 $565,000 $565,000 $5,990 4.75%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $565,000 $565,000 $7,970 4.25%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $560,000 $280,000 $2,681 3.44%
GREELEY, CO (FHA|USDA|VA) 2 $560,000 $280,000 $2,986 3.50%
Ketchikan, AK (FHA|USDA|VA) 1 $555,000 $555,000 $11,253 3.88%
YAKIMA, WA (FHA|USDA|VA) 2 $530,000 $265,000 $4,176 3.44%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 3 $525,000 $175,000 $4,838 4.38%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $525,000 $525,000 $3,813 2.38%
Granbury, TX (FHA|USDA|VA) 1 $515,000 $515,000 $6,750 5.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $515,000 $171,667 $7,966 3.29%
BURLINGTON, NC (FHA|USDA|VA) 2 $510,000 $255,000 $2,667 4.31%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $495,000 $165,000 $3,482 4.42%
GREENVILLE, NC (FHA|USDA|VA) 1 $495,000 $495,000 $13,388 4.88%
CLEVELAND, TN (FHA|USDA|VA) 3 $485,000 $161,667 $6,414 5.08%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $465,000 $155,000 $6,199 3.46%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $435,000 $435,000 $2,658 2.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $425,000 $141,667 $5,356 4.33%
ROCKFORD, IL (FHA|USDA|VA) 5 $415,000 $83,000 $2,715 3.78%
SIOUX FALLS, SD (FHA|USDA|VA) 3 $415,000 $138,333 $5,491 3.21%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $405,000 $405,000 $6,203 5.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $405,000 $135,000 $3,600 3.67%
WICHITA, KS (FHA|USDA|VA) 5 $395,000 $79,000 $2,029 3.85%
MONROE, LA (FHA|USDA|VA) 2 $390,000 $195,000 $6,045 3.56%
Forest City, NC (FHA|USDA|VA) 1 $385,000 $385,000 $4,491 2.63%
ROANOKE, VA (FHA|USDA|VA) 2 $380,000 $190,000 $3,497 4.00%
Olean, NY (FHA|USDA|VA) 1 $375,000 $375,000 $6,739 2.75%
DOVER, DE (FHA|USDA|VA) 2 $370,000 $185,000 $5,025 2.88%
Lake City, FL (FHA|USDA|VA) 2 $360,000 $180,000 $2,175 4.00%
MORGANTOWN, WV (FHA|USDA|VA) 2 $360,000 $180,000 $3,781 4.69%
JONESBORO, AR (FHA|USDA|VA) 1 $355,000 $355,000 $9,988 3.38%
Crossville, TN (FHA|USDA|VA) 1 $355,000 $355,000 $7,050 5.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $345,000 $345,000 $4,778 4.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $345,000 $345,000 $7,617 2.75%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $340,000 $170,000 $2,905 4.25%
FLINT, MI (FHA|USDA|VA) 2 $330,000 $165,000 $3,364 4.06%
BAY CITY, MI (FHA|USDA|VA) 2 $330,000 $165,000 $2,519 3.19%
ITHACA, NY (FHA|USDA|VA) 1 $325,000 $325,000 $7,381 5.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $325,000 $325,000 $4,762 3.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $315,000 $105,000 $3,318 3.04%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $310,000 $155,000 $4,817 4.81%
Klamath Falls, OR (FHA|USDA|VA) 1 $305,000 $305,000 $3,785 2.50%
Pottsville, PA (FHA|USDA|VA) 1 $305,000 $305,000 $13,164 4.88%
SUMTER, SC (FHA|USDA|VA) 1 $305,000 $305,000 $10,176 5.38%
SAGINAW, MI (FHA|USDA|VA) 3 $305,000 $101,667 $2,914 3.33%
LaGrange, GA-AL (FHA|USDA|VA) 1 $285,000 $285,000 $3,075 4.25%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $275,000 $275,000 $6,169 4.13%
LUBBOCK, TX (FHA|USDA|VA) 3 $275,000 $91,667 $5,654 3.25%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $270,000 $135,000 $2,889 3.75%
McMinnville, TN (FHA|USDA|VA) 1 $265,000 $265,000 $4,428 2.88%
Port Angeles, WA (FHA|USDA|VA) 1 $265,000 $265,000 $4,022 5.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $265,000 $265,000 $3,091 2.88%
Mount Pleasant, MI (FHA|USDA|VA) 2 $260,000 $130,000 $6,240 5.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $255,000 $85,000 $2,937 4.67%
YUBA CITY, CA (FHA|USDA|VA) 1 $255,000 $255,000 $14,955 3.25%
LONGVIEW, TX (FHA|USDA|VA) 2 $250,000 $125,000 $4,007 3.19%
FAIRBANKS, AK (FHA|USDA|VA) 1 $245,000 $245,000 $6,372 5.25%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $240,000 $120,000 $4,182 4.88%
PEORIA, IL (FHA|USDA|VA) 2 $240,000 $120,000 $3,647 3.81%
Brookings, OR (FHA|USDA|VA) 1 $235,000 $235,000 $4,836 5.88%
Fremont, NE (FHA|USDA|VA) 1 $235,000 $235,000 $5,342 5.38%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $225,000 $225,000 $7,356 5.50%
ENID, OK (FHA|USDA|VA) 1 $205,000 $205,000 $4,015 3.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,845 3.25%
THE VILLAGES, FL (FHA|USDA|VA) 1 $205,000 $205,000 $6,023 4.88%
Quincy, IL-MO (FHA|USDA|VA) 1 $195,000 $195,000 $4,055 4.75%
Scottsbluff, NE (FHA|USDA|VA) 1 $195,000 $195,000 $2,765 2.75%
Milledgeville, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,487 2.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $195,000 $195,000 $11,267 6.50%
Hillsdale, MI (FHA|USDA|VA) 1 $195,000 $195,000 $6,288 3.88%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $195,000 $195,000 $12,941 3.00%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $190,000 $95,000 $4,507 3.94%
DECATUR, IL (FHA|USDA|VA) 2 $190,000 $95,000 $2,606 4.19%
Georgetown, SC (FHA|USDA|VA) 1 $185,000 $185,000 $8,323 4.75%
Susanville, CA (FHA|USDA|VA) 1 $185,000 $185,000 $3,899 3.88%
TOLEDO, OH (FHA|USDA|VA) 1 $185,000 $185,000 $6,909 3.13%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $175,000 $175,000 $5,815 2.38%
Eagle Pass, TX (FHA|USDA|VA) 1 $175,000 $175,000 $7,831 3.88%
POCATELLO, ID (FHA|USDA|VA) 1 $165,000 $165,000 $8,027 4.38%
IOWA CITY, IA (FHA|USDA|VA) 1 $165,000 $165,000 $3,265 2.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,609 4.75%
Moultrie, GA (FHA|USDA|VA) 1 $165,000 $165,000 $2,914 2.63%
Deming, NM (FHA|USDA|VA) 1 $165,000 $165,000 $7,041 4.25%
CHARLESTON, WV (FHA|USDA|VA) 2 $160,000 $80,000 $3,564 4.00%
Cañon City, CO (FHA|USDA|VA) 1 $155,000 $155,000 $6,658 6.50%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $155,000 $155,000 $6,385 2.75%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $155,000 $155,000 $4,410 2.63%
MANSFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,884 5.38%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $155,000 $155,000 $4,654 4.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $150,000 $75,000 $3,386 2.94%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $145,000 $145,000 $5,958 4.13%
Altus, OK (FHA|USDA|VA) 1 $145,000 $145,000 $4,323 2.38%
Calhoun, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,520 6.00%
Bluffton, IN (FHA|USDA|VA) 2 $140,000 $70,000 $3,040 2.50%
Adrian, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,490 2.88%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $135,000 $135,000 $4,184 2.63%
Urbana, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,901 2.63%
Baraboo, WI (FHA|USDA|VA) 1 $135,000 $135,000 $3,375 3.50%
TWIN FALLS, ID (FHA|USDA|VA) 1 $135,000 $135,000 $3,635 2.50%
Toccoa, GA (FHA|USDA|VA) 1 $135,000 $135,000 $2,415 2.13%
LINCOLN, NE (FHA|USDA|VA) 1 $135,000 $135,000 $2,984 3.75%
Sunbury, PA (FHA|USDA|VA) 2 $130,000 $65,000 $4,531 3.31%
Cadillac, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,650 2.63%
Waycross, GA (FHA|USDA|VA) 1 $125,000 $125,000 $5,353 4.75%
Paris, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,681 2.25%
Maysville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,082 3.25%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $125,000 $125,000 $2,593 3.88%
St. Marys, PA (FHA|USDA|VA) 1 $125,000 $125,000 $4,960 4.13%
ODESSA, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,994 2.13%
FLORENCE, SC (FHA|USDA|VA) 2 $120,000 $60,000 $2,796 3.81%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $120,000 $60,000 $2,119 5.31%
READING, PA (FHA|USDA|VA) 1 $115,000 $115,000 $7,392 2.38%
Fremont, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,204 5.00%
Gloversville, NY (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.13%
Paducah, KY-IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,269 4.38%
MUSKEGON, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,575 2.38%
MONROE, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,111 3.50%
Batavia, NY (FHA|USDA|VA) 1 $115,000 $115,000 $4,347 4.50%
Athens, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,092 3.00%
LIMA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $5,102 4.13%
MONTGOMERY, AL (FHA|USDA|VA) 1 $105,000 $105,000 $5,892 4.63%
Ottawa, IL (FHA|USDA|VA) 1 $105,000 $105,000 $4,263 4.88%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $105,000 $105,000 $4,932 2.63%
Athens, TN (FHA|USDA|VA) 1 $105,000 $105,000 $6,290 4.25%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $105,000 $105,000 $3,183 5.50%
MOBILE, AL (FHA|USDA|VA) 2 $100,000 $50,000 $3,078 3.88%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $95,000 $95,000 $3,269 3.75%
KOKOMO, IN (FHA|USDA|VA) 1 $95,000 $95,000 $3,035 5.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $95,000 $95,000 $4,975 5.88%
RAPID CITY, SD (FHA|USDA|VA) 1 $95,000 $95,000 $3,325 3.25%
Roswell, NM (FHA|USDA|VA) 1 $95,000 $95,000 $6,306 2.25%
Malone, NY (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.50%
Wooster, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,662 4.25%
McComb, MS (FHA|USDA|VA) 1 $85,000 $85,000 $2,417 2.88%
Searcy, AR (FHA|USDA|VA) 1 $85,000 $85,000 $3,220 2.50%
Somerset, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.25%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $85,000 $85,000 $2,622 3.00%
Freeport, IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,723 3.88%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $85,000 $85,000 $2,779 2.25%
Atchison, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,900 2.25%
WACO, TX (FHA|USDA|VA) 1 $75,000 $75,000 $3,164 2.88%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $75,000 $75,000 $3,970 2.63%
Wilson, NC (FHA|USDA|VA) 1 $75,000 $75,000 $2,223 4.75%
UTICA-ROME, NY (FHA|USDA|VA) 1 $75,000 $75,000 $4,566 3.50%
Camden, AR (FHA|USDA|VA) 1 $65,000 $65,000 $2,946 5.00%
Manitowoc, WI (FHA|USDA|VA) 1 $65,000 $65,000 $3,297 2.88%
LEBANON, PA (FHA|USDA|VA) 1 $65,000 $65,000 $2,516 2.50%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.25%
Arcadia, FL (FHA|USDA|VA) 1 $55,000 $55,000 $2,209 4.88%
COLUMBUS, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.63%
Clearlake, CA (FHA|USDA|VA) 1 $55,000 $55,000 $2,830 3.50%
HATTIESBURG, MS (FHA|USDA|VA) 1 $55,000 $55,000 $3,792 4.38%
Middlesborough, KY (FHA|USDA|VA) 1 $55,000 $55,000 $2,906 3.63%
Ukiah, CA (FHA|USDA|VA) 1 $55,000 $55,000 $4,529 5.00%
Pittsburg, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.63%
Parsons, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.88%
VALDOSTA, GA (FHA|USDA|VA) 1 $35,000 $35,000 $1,731 5.00%
Martinsville, VA (FHA|USDA|VA) 1 $35,000 $35,000 $3,140 3.00%
Kirksville, MO (FHA|USDA|VA) 1 $25,000 $25,000 $3,067 4.25%
Citibank's top markets include New York, Los Angeles, San Francisco, Miami, and San Jose among others.

Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 17,202 $22,604,210,000 $1,314,045 $7,282 3.68%
    FHA 25 $7,205,000 $288,200 $10,847 4.70%
    VA 19 $5,135,000 $270,263 $9,376 4.20%

    For 2022, Citibank's most frequently originated type of loan was Conventional, with 17,202 originations. Their 2nd most popular type was FHA, with 25 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 11,466 $15,327,160,000 $1,336,749 $7,852 3.88%
    Cash Out Refi 2,455 $2,759,345,000 $1,123,969 $6,208 3.55%
    Refi 2,276 $2,181,490,000 $958,475 $5,204 3.00%
    Other 888 $1,893,810,000 $2,132,669 $8,174 3.41%
    Home Improvement 161 $454,745,000 $2,824,503 $5,885 3.60%

    For 2022, Citibank's most frequently cited loan purpose was Home Purchase, with 11,466 originations. The 2nd most popular reason was Cash Out Refi, with 2,455 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 15,256 $19,307,420,000 $1,265,562 $7,608 3.76%
    15 Year 1,397 $513,705,000 $367,720 $4,810 3.07%
    20 Year 272 $121,980,000 $448,456 $4,632 3.56%
    10 Year 161 $20,135,000 $125,062 $2,889 2.94%
    Other 133 $1,963,705,000 $14,764,699 $4,325 3.39%
    3 Year 18 $277,710,000 $15,428,333 $0 3.17%
    5 Year 7 $356,585,000 $50,940,714 $0 3.48%
    1 Year 1 $40,805,000 $40,805,000 $0 4.97%
    30+ year 1 $14,505,000 $14,505,000 $0 5.05%

    For 2022, Citibank's most frequently cited loan duration was 30 Year, with 15,256 originations. The 2nd most popular length was 15 Year, with 1,397 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 7,231 $6,321,485,000 $874,220
    $<1k 4,951 $10,496,925,000 $2,120,163
    $5k+ 1,721 $1,330,895,000 $773,327
    $2k-3k 1,084 $517,660,000 $477,546
    $3k-4k 796 $418,140,000 $525,302
    $4k-5k 585 $353,375,000 $604,060

    Citibank's average total fees were $7,608, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 7,231 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 6,289 $8,413,615,000 $1,337,830
    2.5-3% 4,048 $6,461,490,000 $1,596,218
    4-5% 3,718 $3,919,010,000 $1,054,064
    <2.5% 1,511 $2,486,285,000 $1,645,457
    5-6% 1,413 $1,148,545,000 $812,841
    6-7% 234 $169,200,000 $723,077
    7-8% 33 $18,405,000 $557,727

    During 2022, Citibank's average interest rate for loans was 3.76%, while their most frequently originated rate bucket for loans was 3-4%, with 6,289 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 6,957 $17,662,555,000 $2,538,818 $8,936 3.45%
    $600k-1MM 4,003 $3,125,425,000 $780,771 $6,879 3.77%
    $200k-400k 2,564 $749,590,000 $292,352 $5,850 4.01%
    $400k-600k 1,670 $820,690,000 $491,431 $7,271 3.86%
    $100k-200k 1,479 $218,695,000 $147,867 $4,357 3.84%
    $100,000 or less 573 $39,595,000 $69,101 $3,070 3.61%

    2022 saw Citibank place emphasis on $1MM+ loans with 6,957 originations, totaling $17,662,555,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 9,664 $15,334,150,000 $1,586,729 $7,881 3.53%
    $150k-250k 2,589 $1,653,985,000 $638,851 $6,865 3.90%
    $100k-150k 1,595 $596,545,000 $374,009 $6,264 3.93%
    $75k-100k 986 $241,960,000 $245,396 $5,579 3.94%
    $50k-75k 916 $174,350,000 $190,338 $5,014 3.95%
    $50k or less 525 $66,635,000 $126,924 $4,069 3.88%

    Citibank lent most frequently to those with incomes in the $250k+ range, with 9,664 originations. The second most popular income band? $150k-250k, with 2,589 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 4,354 $4,783,320,000 $1,098,604 $6,948 3.62%
    30-36% 3,382 $3,684,090,000 $1,089,323 $7,236 3.74%
    <20% 2,829 $4,032,365,000 $1,425,368 $7,171 3.38%
    42% 948 $1,101,520,000 $1,161,941 $7,355 3.88%
    40% 742 $895,660,000 $1,207,089 $8,037 3.76%
    41% 696 $769,680,000 $1,105,862 $7,390 3.92%
    37% 654 $728,430,000 $1,113,807 $7,692 3.84%
    39% 642 $742,990,000 $1,157,305 $7,351 3.79%
    38% 615 $761,985,000 $1,239,000 $7,546 3.79%
    36% 595 $631,575,000 $1,061,471 $7,143 3.80%
    49% 270 $130,270,000 $482,481 $7,930 4.02%
    43% 251 $245,565,000 $978,347 $7,523 3.91%
    44% 216 $127,460,000 $590,093 $6,822 4.04%
    45% 193 $118,345,000 $613,187 $6,595 3.83%
    46% 181 $107,695,000 $595,000 $7,188 3.97%
    48% 179 $94,195,000 $526,229 $7,325 3.90%
    47% 161 $78,995,000 $490,652 $6,398 4.04%
    50-60% 67 $147,445,000 $2,200,672 $9,361 3.52%
    >60% 17 $52,325,000 $3,077,941 $10,735 3.51%

    Citibank lent most frequently to those with DTI ratios of 20-30%, with 4,354 originations. The next most common DTI ratio? 30-36%, with 3,382 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,280 $8,339,110,000 $1,007,139 $6,942 3.68%
    Not provided 4,282 $6,840,720,000 $1,597,553 $7,757 3.53%
    Not applicable 284 $3,749,450,000 $13,202,289 $19,913 3.35%
    Asian 3,589 $3,342,455,000 $931,305 $7,249 3.83%
    Black 759 $305,085,000 $401,957 $6,139 4.02%
    American Indian 34 $18,280,000 $537,647 $5,096 3.70%
    Native Hawaiian or Islander 15 $12,015,000 $801,000 $6,388 3.74%
    Chinese 2 $5,930,000 $2,965,000 $8,177 3.56%
    Guamanian 1 $3,505,000 $3,505,000 $10,054 3.88%

    Approval Rates

    Total approvals of all applications
    96.25%

    Citibank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    58.74%

    Citibank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 17,246 $22,616,550,000 $1,311,408

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    17,246 $22,616,550,000 $1,311,408

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,493 $1,414,165,000 $947,197 $5,557 3.41%
    40-60% 2,710 $4,255,460,000 $1,570,280 $6,401 3.49%
    60-80% 6,784 $9,290,890,000 $1,369,530 $7,788 3.75%
    80-100% 5,798 $7,358,430,000 $1,269,132 $7,748 3.79%
    Over 100% 2 $22,210,000 $11,105,000 $34,111 3.43%
    Under 20% 459 $275,395,000 $599,989 $4,338 3.45%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    CITIBANK, N.A. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    CITIBANK, N.A. Conventional home mortgage Struggling to pay mortgage 1 33.3%
    CITIBANK, N.A. Conventional home mortgage Trouble during payment process 1 33.3%