Pennymac Loan Services Mortgage Rates, Fees & Info
WILMINGTON, DELEI: RVDPPPGHCGZ40J4VQ731
Tax ID: 26-2049351
2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Pennymac Loan Services is a large mortgage company specializing in Refi loans. Pennymac Loan Services has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Washington, Los Angeles, San Diego, Atlanta, and Seattle among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Pennymac Loan Services is typically a high fee lendor.Originations
117,702Origination Dollar Volume (All Markets)
$36,025,330,000Relative Rate
Pennymac Loan Services 's average 30 year fixed rate mortgage was
3.08%.
The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.
This yields a difference of -0.28%.
Relative Fees
Pennymac Loan Services 's average total fees for a 30 year fixed rate
mortgage are $7,239.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $5,021.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 65,465 | $20,606,695,000 | $314,774 | $5,152 | 3.18% |
| VA | 38,190 | $12,093,580,000 | $316,669 | $6,862 | 2.72% |
| FHA | 13,631 | $3,249,955,000 | $238,424 | $6,298 | 3.15% |
| USDA | 416 | $75,100,000 | $180,529 | $5,138 | 3.14% |
For the 2020 period, Pennymac Loan Services 's most frequently originated loan type was Conventional, with 65,465 originations. Their 2nd most popular type is VA, with 38,190 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 91,464 | $27,956,100,000 | $305,651 | $5,593 | 2.95% |
| Home Purchase | 13,848 | $4,527,610,000 | $326,950 | $6,645 | 3.17% |
| Cash Out Refi | 12,336 | $3,529,180,000 | $286,088 | $6,865 | 3.50% |
| Other | 54 | $12,440,000 | $230,370 | $1,689 | 3.72% |
For the 2020, Pennymac Loan Services 's most frequently cited loan purpose was Refi, with 91,464 originations. The 2nd most popular reason was Home Purchase, with 13,848 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 100,267 | $31,161,445,000 | $310,785 | $6,008 | 3.05% |
| 15 Year | 7,192 | $1,966,720,000 | $273,459 | $4,829 | 2.72% |
| Other | 6,159 | $1,768,565,000 | $287,151 | $5,058 | 3.06% |
| 20 Year | 3,757 | $1,058,435,000 | $281,723 | $4,866 | 3.12% |
| 10 Year | 327 | $70,165,000 | $214,572 | $4,261 | 2.74% |
For the 2020, Pennymac Loan Services 's most frequently cited loan length was 30 Year, with 100,267 originations. The 2nd most popular length was 15 Year, with 7,192 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $5k+ | 30,659 | $10,977,855,000 | $358,063 |
| $3k-4k | 28,279 | $7,697,635,000 | $272,203 |
| $<1k | 22,789 | $7,115,425,000 | $312,231 |
| $1k-2k | 19,393 | $5,907,065,000 | $304,598 |
| $2k-3k | 12,315 | $3,186,775,000 | $258,772 |
$7,239 was Pennymac Loan Services 's average total fees, while their most frequently occuring range of origination fees were in the $5k+ bucket, with 30,659 originations.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 5,150 | $2,116,050,000 | $410,883 | $6,864 | 2.90% |
| Outside of Metro Areas | 6,758 | $1,601,700,000 | $237,008 | $5,442 | 3.05% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 3,262 | $1,448,300,000 | $443,991 | $6,294 | 3.05% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | 2,920 | $1,342,800,000 | $459,863 | $6,448 | 2.89% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 4,736 | $1,301,610,000 | $274,833 | $5,343 | 3.08% |
| SEATTLE-BELLEVUE-KENT, WA | 2,757 | $1,149,495,000 | $416,937 | $5,566 | 3.02% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 2,812 | $932,920,000 | $331,764 | $6,413 | 3.02% |
| DENVER-AURORA-LAKEWOOD, CO | 2,512 | $903,810,000 | $359,797 | $5,476 | 3.04% |
| PHOENIX-MESA-CHANDLER, AZ | 3,006 | $815,170,000 | $271,181 | $5,464 | 3.10% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 2,839 | $814,375,000 | $286,853 | $5,394 | 3.04% |
| BALTIMORE-COLUMBIA-TOWSON, MD | 2,374 | $790,950,000 | $333,172 | $6,102 | 2.96% |
| DALLAS-PLANO-IRVING, TX | 2,334 | $698,980,000 | $299,477 | $6,017 | 3.05% |
| ANAHEIM-SANTA ANA-IRVINE, CA | 1,265 | $618,905,000 | $489,253 | $6,118 | 2.99% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 1,760 | $584,570,000 | $332,142 | $6,134 | 3.04% |
| LAS VEGAS-HENDERSON-PARADISE, NV | 1,941 | $571,845,000 | $294,614 | $5,972 | 3.03% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 2,112 | $561,170,000 | $265,705 | $5,915 | 3.05% |
| OAKLAND-BERKELEY-LIVERMORE, CA | 1,148 | $559,940,000 | $487,753 | $6,405 | 3.05% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | 1,559 | $546,765,000 | $350,715 | $5,926 | 3.04% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1,848 | $530,460,000 | $287,045 | $6,189 | 2.82% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD | 1,266 | $491,170,000 | $387,970 | $5,849 | 2.98% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 1,845 | $476,415,000 | $258,220 | $5,655 | 3.09% |
| ORLANDO-KISSIMMEE-SANFORD, FL | 1,507 | $402,645,000 | $267,183 | $5,625 | 3.12% |
| SAN ANTONIO-NEW BRAUNFELS, TX | 1,383 | $378,625,000 | $273,771 | $6,452 | 2.90% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 1,158 | $364,550,000 | $314,810 | $7,872 | 3.02% |
| NEW BRUNSWICK-LAKEWOOD, NJ | 1,045 | $359,705,000 | $344,215 | $7,039 | 3.07% |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 779 | $354,225,000 | $454,718 | $5,589 | 2.95% |
| TACOMA-LAKEWOOD, WA | 1,001 | $343,705,000 | $343,362 | $6,137 | 3.01% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 1,231 | $340,305,000 | $276,446 | $5,722 | 3.15% |
| COLORADO SPRINGS, CO | 1,027 | $339,465,000 | $330,540 | $6,195 | 2.83% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 1,143 | $335,235,000 | $293,294 | $5,982 | 3.07% |
| RICHMOND, VA | 1,133 | $330,985,000 | $292,132 | $5,358 | 2.99% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 1,257 | $330,235,000 | $262,717 | $5,468 | 3.10% |
| RALEIGH-CARY, NC | 1,035 | $299,405,000 | $289,280 | $4,467 | 3.02% |
| NEWARK, NJ-PA | 757 | $282,265,000 | $372,873 | $7,267 | 2.98% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 523 | $278,695,000 | $532,878 | $5,486 | 3.01% |
| BOSTON, MA | 702 | $271,390,000 | $386,595 | $6,156 | 3.14% |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 692 | $268,700,000 | $388,295 | $5,529 | 3.05% |
| CHICAGO-NAPERVILLE-EVANSTON, IL | 1,028 | $259,060,000 | $252,004 | $5,471 | 3.17% |
| URBAN HONOLULU, HI | 443 | $246,165,000 | $555,677 | $10,392 | 2.71% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL | 792 | $243,540,000 | $307,500 | $6,131 | 3.13% |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 580 | $233,590,000 | $402,741 | $7,750 | 3.08% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX | 896 | $229,890,000 | $256,574 | $5,987 | 3.10% |
| SALT LAKE CITY, UT | 715 | $224,135,000 | $313,476 | $6,033 | 3.09% |
| JACKSONVILLE, FL | 848 | $223,780,000 | $263,892 | $6,054 | 3.00% |
| PROVIDENCE-WARWICK, RI-MA | 749 | $218,775,000 | $292,089 | $5,459 | 3.07% |
| MIAMI-MIAMI BEACH-KENDALL, FL | 732 | $218,350,000 | $298,292 | $6,493 | 3.18% |
| ST. LOUIS, MO-IL | 812 | $173,410,000 | $213,559 | $4,285 | 3.15% |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 565 | $170,275,000 | $301,372 | $6,016 | 3.11% |
| KANSAS CITY, MO-KS | 710 | $168,560,000 | $237,408 | $4,765 | 3.06% |
| RENO, NV | 500 | $166,590,000 | $333,180 | $5,320 | 3.01% |
| NORTH PORT-SARASOTA-BRADENTON, FL | 567 | $159,775,000 | $281,790 | $5,395 | 3.14% |
| CAPE CORAL-FORT MYERS, FL | 575 | $141,095,000 | $245,383 | $5,585 | 3.16% |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 278 | $140,920,000 | $506,906 | $4,907 | 2.97% |
| PITTSBURGH, PA | 545 | $140,715,000 | $258,193 | $6,224 | 3.06% |
| OGDEN-CLEARFIELD, UT | 459 | $136,015,000 | $296,329 | $6,247 | 3.00% |
| PHILADELPHIA, PA | 509 | $135,985,000 | $267,161 | $7,144 | 3.11% |
| VALLEJO, CA | 362 | $134,030,000 | $370,249 | $6,648 | 3.02% |
| STOCKTON, CA | 375 | $124,655,000 | $332,413 | $6,059 | 3.07% |
| FRESNO, CA | 456 | $122,600,000 | $268,860 | $5,808 | 3.06% |
| TUCSON, AZ | 530 | $121,060,000 | $228,415 | $5,300 | 3.01% |
| CHARLESTON-NORTH CHARLESTON, SC | 424 | $116,410,000 | $274,552 | $6,571 | 2.97% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA | 327 | $109,955,000 | $336,254 | $6,499 | 2.91% |
| CAMDEN, NJ | 439 | $106,715,000 | $243,087 | $5,937 | 3.07% |
| BAKERSFIELD, CA | 416 | $103,410,000 | $248,582 | $5,780 | 3.08% |
| NEW ORLEANS-METAIRIE, LA | 388 | $97,150,000 | $250,387 | $5,665 | 3.06% |
| WILMINGTON, DE-MD-NJ | 351 | $94,325,000 | $268,732 | $6,370 | 2.95% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 364 | $93,840,000 | $257,802 | $5,600 | 3.01% |
| MEMPHIS, TN-MS-AR | 399 | $93,755,000 | $234,975 | $5,700 | 3.00% |
| PROVO-OREM, UT | 298 | $92,410,000 | $310,101 | $5,603 | 3.08% |
| OLYMPIA-LACEY-TUMWATER, WA | 289 | $90,395,000 | $312,785 | $6,195 | 2.91% |
| COLUMBUS, OH | 402 | $89,660,000 | $223,035 | $5,321 | 3.08% |
| CINCINNATI, OH-KY-IN | 411 | $89,355,000 | $217,409 | $5,187 | 3.10% |
| KNOXVILLE, TN | 377 | $84,335,000 | $223,700 | $5,360 | 2.97% |
| DURHAM-CHAPEL HILL, NC | 296 | $83,620,000 | $282,500 | $4,423 | 3.03% |
| BOISE CITY, ID | 287 | $82,685,000 | $288,101 | $6,684 | 3.08% |
| WORCESTER, MA-CT | 289 | $82,205,000 | $284,446 | $5,220 | 3.05% |
| GREELEY, CO | 248 | $82,190,000 | $331,411 | $6,275 | 3.01% |
| LAKELAND-WINTER HAVEN, FL | 379 | $82,045,000 | $216,478 | $5,362 | 3.18% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT | 304 | $78,400,000 | $257,895 | $5,465 | 3.08% |
| SALEM, OR | 281 | $77,875,000 | $277,135 | $6,562 | 3.10% |
| SANTA ROSA-PETALUMA, CA | 183 | $77,845,000 | $425,383 | $5,566 | 3.00% |
| ALBUQUERQUE, NM | 314 | $76,460,000 | $243,503 | $5,888 | 2.98% |
| WARREN-TROY-FARMINGTON HILLS, MI | 334 | $75,950,000 | $227,395 | $4,952 | 3.12% |
| PENSACOLA-FERRY PASS-BRENT, FL | 304 | $72,530,000 | $238,586 | $5,277 | 2.96% |
| SAVANNAH, GA | 302 | $72,090,000 | $238,709 | $5,977 | 2.96% |
| NAPLES-MARCO ISLAND, FL | 228 | $71,560,000 | $313,860 | $6,081 | 3.14% |
| BIRMINGHAM-HOOVER, AL | 299 | $70,625,000 | $236,204 | $5,013 | 3.03% |
| BOULDER, CO | 182 | $70,490,000 | $387,308 | $4,665 | 3.03% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 344 | $69,380,000 | $201,686 | $5,100 | 3.08% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 295 | $67,805,000 | $229,847 | $5,202 | 3.17% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 242 | $67,180,000 | $277,603 | $5,586 | 2.99% |
| GREENVILLE-ANDERSON, SC | 281 | $66,515,000 | $236,708 | $4,984 | 3.09% |
| CLEVELAND-ELYRIA, OH | 314 | $66,070,000 | $210,414 | $5,158 | 3.11% |
| SPOKANE-SPOKANE VALLEY, WA | 254 | $65,700,000 | $258,661 | $5,412 | 3.03% |
| FAYETTEVILLE, NC | 320 | $65,070,000 | $203,344 | $5,404 | 2.84% |
| LAFAYETTE, LA | 270 | $65,040,000 | $240,889 | $6,024 | 3.12% |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 191 | $61,825,000 | $323,691 | $5,649 | 3.02% |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 164 | $61,450,000 | $374,695 | $5,552 | 2.94% |
| MODESTO, CA | 214 | $61,130,000 | $285,654 | $5,563 | 3.19% |
| SALINAS, CA | 143 | $60,595,000 | $423,741 | $6,247 | 3.04% |
| OKLAHOMA CITY, OK | 269 | $60,475,000 | $224,814 | $5,542 | 3.23% |
| SANTA MARIA-SANTA BARBARA, CA | 146 | $60,170,000 | $412,123 | $6,182 | 2.91% |
| PORT ST. LUCIE, FL | 245 | $60,145,000 | $245,490 | $5,562 | 3.16% |
| SAN LUIS OBISPO-PASO ROBLES, CA | 140 | $58,530,000 | $418,071 | $6,709 | 2.92% |
| FORT COLLINS, CO | 174 | $58,490,000 | $336,149 | $5,718 | 3.03% |
| CLARKSVILLE, TN-KY | 277 | $57,875,000 | $208,935 | $5,422 | 2.88% |
| SALISBURY, MD-DE | 216 | $56,980,000 | $263,796 | $5,830 | 3.06% |
| BATON ROUGE, LA | 230 | $56,970,000 | $247,696 | $5,318 | 3.06% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 245 | $56,635,000 | $231,163 | $5,246 | 3.05% |
| COEUR D'ALENE, ID | 182 | $55,950,000 | $307,418 | $6,071 | 3.05% |
| COLUMBIA, SC | 248 | $55,870,000 | $225,282 | $5,324 | 2.97% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 250 | $53,130,000 | $212,520 | $5,419 | 3.05% |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 233 | $52,995,000 | $227,446 | $5,429 | 2.84% |
| BARNSTABLE TOWN, MA | 156 | $52,970,000 | $339,551 | $5,070 | 3.02% |
| VISALIA, CA | 218 | $52,910,000 | $242,706 | $5,647 | 3.14% |
| BRUNSWICK, GA | 199 | $52,135,000 | $261,985 | $7,566 | 3.10% |
| BEND, OR | 160 | $50,210,000 | $313,813 | $6,519 | 3.08% |
| WILMINGTON, NC | 190 | $50,170,000 | $264,053 | $5,040 | 2.96% |
| HUNTSVILLE, AL | 199 | $49,035,000 | $246,407 | $5,649 | 2.88% |
| SANTA CRUZ-WATSONVILLE, CA | 97 | $48,245,000 | $497,371 | $6,560 | 2.97% |
| SPRINGFIELD, MO | 229 | $47,535,000 | $207,576 | $4,142 | 3.29% |
| MANCHESTER-NASHUA, NH | 174 | $47,090,000 | $270,632 | $5,422 | 3.10% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 184 | $45,740,000 | $248,587 | $5,582 | 3.24% |
| OMAHA-COUNCIL BLUFFS, NE-IA | 199 | $45,265,000 | $227,462 | $5,489 | 3.04% |
| PRESCOTT VALLEY-PRESCOTT, AZ | 154 | $44,600,000 | $289,610 | $5,735 | 3.05% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 184 | $44,360,000 | $241,087 | $6,463 | 3.01% |
| KILLEEN-TEMPLE, TX | 204 | $44,260,000 | $216,961 | $5,700 | 2.77% |
| CHATTANOOGA, TN-GA | 196 | $43,480,000 | $221,837 | $5,352 | 3.09% |
| ELGIN, IL | 194 | $43,450,000 | $223,969 | $4,935 | 3.17% |
| SAN RAFAEL, CA | 77 | $43,035,000 | $558,896 | $6,075 | 3.04% |
| EUGENE-SPRINGFIELD, OR | 145 | $40,045,000 | $276,172 | $6,161 | 3.09% |
| GREENSBORO-HIGH POINT, NC | 176 | $39,790,000 | $226,080 | $4,988 | 2.99% |
| ST. GEORGE, UT | 131 | $39,765,000 | $303,550 | $5,594 | 3.06% |
| CHARLOTTESVILLE, VA | 130 | $39,070,000 | $300,538 | $5,183 | 2.95% |
| MILWAUKEE-WAUKESHA, WI | 170 | $38,670,000 | $227,471 | $5,250 | 3.03% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 171 | $37,615,000 | $219,971 | $5,114 | 2.99% |
| ASHEVILLE, NC | 144 | $36,710,000 | $254,931 | $5,500 | 3.22% |
| KENNEWICK-RICHLAND, WA | 138 | $36,670,000 | $265,725 | $5,805 | 3.07% |
| JACKSONVILLE, NC | 174 | $36,370,000 | $209,023 | $5,644 | 2.90% |
| DAYTON-KETTERING, OH | 165 | $36,055,000 | $218,515 | $5,324 | 2.99% |
| PUNTA GORDA, FL | 157 | $35,625,000 | $226,911 | $5,291 | 3.25% |
| BELLINGHAM, WA | 106 | $34,960,000 | $329,811 | $5,431 | 2.96% |
| CALIFORNIA-LEXINGTON PARK, MD | 119 | $34,865,000 | $292,983 | $6,294 | 2.89% |
| GAINESVILLE, GA | 132 | $33,990,000 | $257,500 | $5,240 | 3.15% |
| WINCHESTER, VA-WV | 114 | $33,810,000 | $296,579 | $6,271 | 2.96% |
| PORTLAND-SOUTH PORTLAND, ME | 128 | $33,470,000 | $261,484 | $5,354 | 3.15% |
| HAGERSTOWN-MARTINSBURG, MD-WV | 143 | $32,915,000 | $230,175 | $5,841 | 2.99% |
| COLLEGE STATION-BRYAN, TX | 122 | $32,220,000 | $264,098 | $4,671 | 3.11% |
| MEDFORD, OR | 111 | $32,215,000 | $290,225 | $6,451 | 3.03% |
| WINSTON-SALEM, NC | 146 | $31,800,000 | $217,808 | $4,853 | 3.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 141 | $29,205,000 | $207,128 | $4,838 | 3.10% |
| COLUMBUS, GA-AL | 137 | $28,515,000 | $208,139 | $5,274 | 2.89% |
| HANFORD-CORCORAN, CA | 115 | $28,495,000 | $247,783 | $6,223 | 2.93% |
| HARRISBURG-CARLISLE, PA | 124 | $28,400,000 | $229,032 | $6,098 | 2.86% |
| WICHITA, KS | 146 | $28,170,000 | $192,945 | $4,940 | 3.06% |
| NEW HAVEN-MILFORD, CT | 111 | $28,005,000 | $252,297 | $5,643 | 3.03% |
| PANAMA CITY, FL | 106 | $26,880,000 | $253,585 | $5,799 | 2.97% |
| CHICO, CA | 93 | $26,855,000 | $288,763 | $5,993 | 3.26% |
| YORK-HANOVER, PA | 127 | $26,785,000 | $210,906 | $6,085 | 2.91% |
| EL PASO, TX | 139 | $26,575,000 | $191,187 | $5,398 | 2.95% |
| ST. CLOUD, MN | 114 | $26,280,000 | $230,526 | $4,577 | 3.08% |
| SPRINGFIELD, MA | 113 | $26,095,000 | $230,929 | $5,352 | 3.09% |
| HILTON HEAD ISLAND-BLUFFTON, SC | 96 | $25,920,000 | $270,000 | $5,624 | 2.90% |
| TULSA, OK | 130 | $25,580,000 | $196,769 | $5,624 | 3.10% |
| LONGVIEW, WA | 89 | $24,965,000 | $280,506 | $5,325 | 3.12% |
| ROANOKE, VA | 107 | $24,825,000 | $232,009 | $4,961 | 2.96% |
| SPARTANBURG, SC | 119 | $24,785,000 | $208,277 | $4,956 | 3.10% |
| DETROIT-DEARBORN-LIVONIA, MI | 133 | $24,765,000 | $186,203 | $4,477 | 3.24% |
| MERCED, CA | 97 | $24,705,000 | $254,691 | $5,962 | 3.15% |
| LAKE HAVASU CITY-KINGMAN, AZ | 109 | $24,355,000 | $223,440 | $5,014 | 3.00% |
| YUBA CITY, CA | 88 | $24,140,000 | $274,318 | $5,669 | 3.06% |
| WARNER ROBINS, GA | 102 | $23,350,000 | $228,922 | $5,125 | 2.82% |
| OCALA, FL | 128 | $23,230,000 | $181,484 | $4,764 | 3.06% |
| REDDING, CA | 91 | $23,225,000 | $255,220 | $5,742 | 3.08% |
| DOVER, DE | 90 | $23,000,000 | $255,556 | $6,137 | 2.98% |
| LANCASTER, PA | 102 | $22,770,000 | $223,235 | $6,648 | 2.94% |
| NAPA, CA | 49 | $22,755,000 | $464,388 | $6,719 | 2.96% |
| AKRON, OH | 102 | $22,360,000 | $219,216 | $5,007 | 3.07% |
| MOUNT VERNON-ANACORTES, WA | 68 | $22,050,000 | $324,265 | $5,904 | 2.90% |
| ANCHORAGE, AK | 69 | $21,945,000 | $318,043 | $6,824 | 2.95% |
| READING, PA | 98 | $21,930,000 | $223,776 | $6,409 | 3.10% |
| CORPUS CHRISTI, TX | 90 | $21,600,000 | $240,000 | $6,493 | 2.98% |
| DAPHNE-FAIRHOPE-FOLEY, AL | 93 | $21,475,000 | $230,914 | $5,224 | 3.01% |
| HINESVILLE, GA | 111 | $21,415,000 | $192,928 | $5,519 | 2.83% |
| SHREVEPORT-BOSSIER CITY, LA | 96 | $21,270,000 | $221,563 | $5,526 | 2.96% |
| GARY, IN | 103 | $20,995,000 | $203,835 | $5,432 | 3.09% |
| JACKSON, MS | 92 | $20,120,000 | $218,696 | $5,469 | 3.08% |
| ALBANY-LEBANON, OR | 78 | $20,110,000 | $257,821 | $5,910 | 3.20% |
| WENATCHEE, WA | 64 | $19,760,000 | $308,750 | $4,803 | 3.15% |
| MADERA, CA | 68 | $19,180,000 | $282,059 | $6,390 | 2.93% |
| MONTGOMERY, AL | 92 | $19,060,000 | $207,174 | $4,725 | 2.97% |
| TRENTON-PRINCETON, NJ | 71 | $18,735,000 | $263,873 | $5,722 | 3.16% |
| LEXINGTON-FAYETTE, KY | 88 | $18,280,000 | $207,727 | $5,371 | 2.95% |
| CORVALLIS, OR | 58 | $18,070,000 | $311,552 | $5,568 | 3.18% |
| TALLAHASSEE, FL | 75 | $18,035,000 | $240,467 | $5,666 | 3.14% |
| KAHULUI-WAILUKU-LAHAINA, HI | 37 | $17,985,000 | $486,081 | $8,658 | 2.95% |
| DES MOINES-WEST DES MOINES, IA | 79 | $17,815,000 | $225,506 | $5,364 | 3.07% |
| GRAND RAPIDS-KENTWOOD, MI | 83 | $17,475,000 | $210,542 | $5,334 | 3.19% |
| GAINESVILLE, FL | 76 | $17,100,000 | $225,000 | $5,113 | 3.12% |
| GRAND JUNCTION, CO | 58 | $16,480,000 | $284,138 | $5,416 | 3.04% |
| CHEYENNE, WY | 55 | $16,285,000 | $296,091 | $7,232 | 3.09% |
| SCRANTON--WILKES-BARRE, PA | 80 | $16,020,000 | $200,250 | $6,055 | 2.99% |
| FLAGSTAFF, AZ | 51 | $16,015,000 | $314,020 | $5,785 | 2.97% |
| YAKIMA, WA | 65 | $15,915,000 | $244,846 | $5,084 | 3.15% |
| HICKORY-LENOIR-MORGANTON, NC | 72 | $15,740,000 | $218,611 | $4,726 | 3.06% |
| OCEAN CITY, NJ | 54 | $15,620,000 | $289,259 | $5,889 | 3.13% |
| SEBASTIAN-VERO BEACH, FL | 67 | $15,575,000 | $232,463 | $5,728 | 3.07% |
| GULFPORT-BILOXI, MS | 79 | $15,365,000 | $194,494 | $5,204 | 2.94% |
| BURLINGTON, NC | 71 | $14,875,000 | $209,507 | $4,943 | 3.13% |
| SIERRA VISTA-DOUGLAS, AZ | 74 | $14,740,000 | $199,189 | $4,632 | 2.90% |
| LAKE CHARLES, LA | 64 | $14,530,000 | $227,031 | $5,643 | 3.24% |
| AUBURN-OPELIKA, AL | 62 | $14,470,000 | $233,387 | $5,313 | 2.98% |
| PUEBLO, CO | 65 | $14,455,000 | $222,385 | $5,546 | 3.15% |
| BILLINGS, MT | 57 | $14,435,000 | $253,246 | $5,370 | 2.99% |
| NORWICH-NEW LONDON, CT | 50 | $14,370,000 | $287,400 | $6,692 | 2.90% |
| ATHENS-CLARKE COUNTY, GA | 59 | $13,955,000 | $236,525 | $5,580 | 3.13% |
| LYNCHBURG, VA | 58 | $13,900,000 | $239,655 | $5,066 | 3.07% |
| WACO, TX | 64 | $13,850,000 | $216,406 | $5,433 | 3.14% |
| MOBILE, AL | 73 | $13,735,000 | $188,151 | $5,060 | 3.08% |
| MIDLAND, TX | 52 | $13,660,000 | $262,692 | $6,068 | 3.19% |
| CARSON CITY, NV | 42 | $12,820,000 | $305,238 | $6,350 | 2.94% |
| GRANTS PASS, OR | 49 | $12,645,000 | $258,061 | $6,520 | 3.05% |
| SIOUX FALLS, SD | 53 | $12,395,000 | $233,868 | $5,838 | 2.93% |
| BISMARCK, ND | 43 | $12,195,000 | $283,605 | $6,707 | 2.84% |
| ATLANTIC CITY-HAMMONTON, NJ | 49 | $11,695,000 | $238,673 | $6,017 | 2.97% |
| EL CENTRO, CA | 48 | $11,680,000 | $243,333 | $5,761 | 2.99% |
| JOHNSON CITY, TN | 53 | $11,675,000 | $220,283 | $5,135 | 2.93% |
| MCALLEN-EDINBURG-MISSION, TX | 64 | $11,550,000 | $180,469 | $5,536 | 3.13% |
| DULUTH, MN-WI | 49 | $11,225,000 | $229,082 | $5,116 | 3.03% |
| TOLEDO, OH | 54 | $11,030,000 | $204,259 | $4,570 | 3.14% |
| HOMOSASSA SPRINGS, FL | 56 | $10,980,000 | $196,071 | $5,295 | 3.13% |
| THE VILLAGES, FL | 44 | $10,980,000 | $249,545 | $5,365 | 2.94% |
| FARGO, ND-MN | 49 | $10,975,000 | $223,980 | $5,454 | 3.01% |
| TUSCALOOSA, AL | 51 | $10,855,000 | $212,843 | $5,093 | 3.03% |
| LAS CRUCES, NM | 48 | $10,500,000 | $218,750 | $5,656 | 2.80% |
| GREEN BAY, WI | 51 | $10,445,000 | $204,804 | $4,394 | 3.26% |
| LAREDO, TX | 48 | $10,280,000 | $214,167 | $6,337 | 2.91% |
| ELIZABETHTOWN-FORT KNOX, KY | 47 | $10,185,000 | $216,702 | $4,988 | 2.83% |
| RAPID CITY, SD | 42 | $10,110,000 | $240,714 | $6,749 | 2.93% |
| KINGSPORT-BRISTOL, TN-VA | 58 | $10,000,000 | $172,414 | $4,260 | 3.00% |
| ANN ARBOR, MI | 40 | $9,980,000 | $249,500 | $4,944 | 3.02% |
| NEW BERN, NC | 42 | $9,860,000 | $234,762 | $6,423 | 2.90% |
| YUMA, AZ | 47 | $9,615,000 | $204,574 | $5,263 | 2.89% |
| CANTON-MASSILLON, OH | 54 | $9,520,000 | $176,296 | $4,447 | 3.09% |
| LINCOLN, NE | 43 | $9,395,000 | $218,488 | $5,284 | 2.97% |
| BEAUMONT-PORT ARTHUR, TX | 40 | $9,330,000 | $233,250 | $6,421 | 3.10% |
| SANTA FE, NM | 29 | $9,265,000 | $319,483 | $6,386 | 3.15% |
| SHERMAN-DENISON, TX | 39 | $9,055,000 | $232,179 | $6,241 | 3.11% |
| IDAHO FALLS, ID | 34 | $9,040,000 | $265,882 | $6,149 | 3.00% |
| ROCHESTER, MN | 38 | $8,650,000 | $227,632 | $4,642 | 3.15% |
| LUBBOCK, TX | 44 | $8,630,000 | $196,136 | $4,982 | 3.15% |
| PEORIA, IL | 44 | $8,570,000 | $194,773 | $4,087 | 2.89% |
| MADISON, WI | 33 | $8,505,000 | $257,727 | $5,664 | 3.01% |
| EAST STROUDSBURG, PA | 43 | $8,415,000 | $195,698 | $5,680 | 3.09% |
| DOTHAN, AL | 41 | $8,255,000 | $201,341 | $5,401 | 2.85% |
| BURLINGTON-SOUTH BURLINGTON, VT | 32 | $8,220,000 | $256,875 | $4,785 | 2.95% |
| CHAMBERSBURG-WAYNESBORO, PA | 36 | $8,130,000 | $225,833 | $6,680 | 2.92% |
| ODESSA, TX | 36 | $7,910,000 | $219,722 | $6,478 | 3.29% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 37 | $7,875,000 | $212,838 | $5,011 | 2.87% |
| GETTYSBURG, PA | 32 | $7,810,000 | $244,063 | $6,270 | 2.88% |
| AMARILLO, TX | 36 | $7,780,000 | $216,111 | $5,473 | 2.98% |
| GREENVILLE, NC | 35 | $7,695,000 | $219,857 | $5,233 | 3.06% |
| ABILENE, TX | 40 | $7,590,000 | $189,750 | $5,897 | 2.86% |
| FLINT, MI | 53 | $7,525,000 | $141,981 | $4,391 | 3.17% |
| FORT WAYNE, IN | 46 | $7,490,000 | $162,826 | $4,635 | 3.20% |
| APPLETON, WI | 37 | $7,405,000 | $200,135 | $5,189 | 3.20% |
| WALLA WALLA, WA | 29 | $7,325,000 | $252,586 | $4,988 | 3.08% |
| SAN ANGELO, TX | 33 | $7,065,000 | $214,091 | $6,037 | 3.11% |
| COLUMBIA, MO | 33 | $6,925,000 | $209,848 | $4,488 | 3.05% |
| LANSING-EAST LANSING, MI | 38 | $6,710,000 | $176,579 | $4,575 | 3.12% |
| LAWTON, OK | 33 | $6,685,000 | $202,576 | $5,665 | 2.85% |
| MACON-BIBB COUNTY, GA | 33 | $6,545,000 | $198,333 | $5,022 | 3.01% |
| VALDOSTA, GA | 35 | $6,355,000 | $181,571 | $4,997 | 3.00% |
| LEBANON, PA | 29 | $6,305,000 | $217,414 | $5,780 | 2.95% |
| BLACKSBURG-CHRISTIANSBURG, VA | 29 | $6,265,000 | $216,034 | $4,293 | 3.15% |
| LOGAN, UT-ID | 23 | $6,265,000 | $272,391 | $5,534 | 3.11% |
| LEWISTON-AUBURN, ME | 30 | $6,250,000 | $208,333 | $5,254 | 2.98% |
| IOWA CITY, IA | 26 | $6,210,000 | $238,846 | $6,285 | 2.99% |
| EVANSVILLE, IN-KY | 36 | $6,200,000 | $172,222 | $4,466 | 2.97% |
| TYLER, TX | 28 | $6,130,000 | $218,929 | $5,175 | 3.07% |
| STAUNTON, VA | 27 | $6,075,000 | $225,000 | $5,214 | 3.05% |
| MISSOULA, MT | 22 | $5,920,000 | $269,091 | $6,161 | 3.15% |
| DECATUR, AL | 27 | $5,865,000 | $217,222 | $5,634 | 2.94% |
| FLORENCE, SC | 30 | $5,840,000 | $194,667 | $10,468 | 3.07% |
| TOPEKA, KS | 34 | $5,840,000 | $171,765 | $3,979 | 2.87% |
| MORRISTOWN, TN | 29 | $5,815,000 | $200,517 | $5,246 | 3.04% |
| LONGVIEW, TX | 27 | $5,735,000 | $212,407 | $5,623 | 2.89% |
| MONROE, LA | 25 | $5,655,000 | $226,200 | $6,382 | 3.17% |
| MANHATTAN, KS | 29 | $5,575,000 | $192,241 | $5,120 | 2.86% |
| BOWLING GREEN, KY | 27 | $5,415,000 | $200,556 | $5,159 | 3.11% |
| JEFFERSON CITY, MO | 27 | $5,405,000 | $200,185 | $4,786 | 2.93% |
| FORT SMITH, AR-OK | 25 | $5,365,000 | $214,600 | $4,665 | 2.87% |
| BROWNSVILLE-HARLINGEN, TX | 29 | $5,345,000 | $184,310 | $5,656 | 3.09% |
| GREAT FALLS, MT | 24 | $5,300,000 | $220,833 | $5,277 | 2.83% |
| LAWRENCE, KS | 26 | $5,270,000 | $202,692 | $4,775 | 3.10% |
| HARRISONBURG, VA | 20 | $5,180,000 | $259,000 | $5,571 | 2.81% |
| JACKSON, TN | 28 | $4,970,000 | $177,500 | $4,500 | 3.02% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 39 | $4,955,000 | $127,051 | $3,903 | 3.05% |
| HAMMOND, LA | 24 | $4,930,000 | $205,417 | $5,425 | 3.10% |
| VINELAND-BRIDGETON, NJ | 27 | $4,925,000 | $182,407 | $4,963 | 3.11% |
| JOPLIN, MO | 25 | $4,885,000 | $195,400 | $3,985 | 3.28% |
| STATE COLLEGE, PA | 18 | $4,870,000 | $270,556 | $6,646 | 2.84% |
| LEWISTON, ID-WA | 20 | $4,810,000 | $240,500 | $5,280 | 3.21% |
| SEBRING-AVON PARK, FL | 31 | $4,805,000 | $155,000 | $4,135 | 3.37% |
| LAFAYETTE-WEST LAFAYETTE, IN | 27 | $4,695,000 | $173,889 | $5,157 | 3.09% |
| HOUMA-THIBODAUX, LA | 22 | $4,530,000 | $205,909 | $4,327 | 3.08% |
| TEXARKANA, TX-AR | 22 | $4,460,000 | $202,727 | $4,647 | 3.14% |
| TWIN FALLS, ID | 19 | $4,415,000 | $232,368 | $6,962 | 3.16% |
| BANGOR, ME | 24 | $4,380,000 | $182,500 | $5,049 | 2.88% |
| RACINE, WI | 22 | $4,340,000 | $197,273 | $4,883 | 2.93% |
| ALEXANDRIA, LA | 17 | $4,295,000 | $252,647 | $5,348 | 2.83% |
| HOT SPRINGS, AR | 21 | $4,085,000 | $194,524 | $4,778 | 2.89% |
| FLORENCE-MUSCLE SHOALS, AL | 19 | $4,055,000 | $213,421 | $5,187 | 2.91% |
| ALBANY, GA | 21 | $3,995,000 | $190,238 | $5,209 | 2.86% |
| MONROE, MI | 18 | $3,990,000 | $221,667 | $5,030 | 2.99% |
| SOUTH BEND-MISHAWAKA, IN-MI | 22 | $3,930,000 | $178,636 | $4,835 | 2.99% |
| SUMTER, SC | 21 | $3,825,000 | $182,143 | $5,315 | 3.07% |
| ROCKFORD, IL | 19 | $3,815,000 | $200,789 | $4,826 | 3.25% |
| WICHITA FALLS, TX | 24 | $3,800,000 | $158,333 | $4,187 | 3.02% |
| DALTON, GA | 22 | $3,780,000 | $171,818 | $4,417 | 3.39% |
| LA CROSSE-ONALASKA, WI-MN | 19 | $3,775,000 | $198,684 | $4,196 | 2.85% |
| HUNTINGTON-ASHLAND, WV-KY-OH | 19 | $3,735,000 | $196,579 | $4,828 | 2.82% |
| GOLDSBORO, NC | 19 | $3,665,000 | $192,895 | $6,236 | 3.05% |
| EAU CLAIRE, WI | 16 | $3,570,000 | $223,125 | $5,422 | 3.01% |
| CEDAR RAPIDS, IA | 17 | $3,535,000 | $207,941 | $4,923 | 2.99% |
| VICTORIA, TX | 15 | $3,495,000 | $233,000 | $4,951 | 3.13% |
| OWENSBORO, KY | 19 | $3,455,000 | $181,842 | $4,882 | 3.27% |
| HATTIESBURG, MS | 19 | $3,445,000 | $181,316 | $4,892 | 2.95% |
| ERIE, PA | 20 | $3,390,000 | $169,500 | $4,699 | 3.07% |
| CAPE GIRARDEAU, MO-IL | 16 | $3,340,000 | $208,750 | $4,008 | 2.76% |
| WAUSAU-WESTON, WI | 16 | $3,310,000 | $206,875 | $4,634 | 2.90% |
| MUSKEGON, MI | 15 | $3,275,000 | $218,333 | $7,225 | 3.02% |
| BLOOMINGTON, IL | 17 | $3,085,000 | $181,471 | $5,263 | 2.97% |
| POCATELLO, ID | 13 | $3,075,000 | $236,538 | $73,915 | 3.29% |
| ROCKY MOUNT, NC | 16 | $3,010,000 | $188,125 | $4,672 | 2.95% |
| JONESBORO, AR | 17 | $3,005,000 | $176,765 | $4,270 | 2.90% |
| ST. JOSEPH, MO-KS | 17 | $3,005,000 | $176,765 | $5,816 | 3.15% |
| OSHKOSH-NEENAH, WI | 19 | $2,965,000 | $156,053 | $4,799 | 3.02% |
| JANESVILLE-BELOIT, WI | 15 | $2,675,000 | $178,333 | $5,224 | 3.05% |
| CLEVELAND, TN | 14 | $2,670,000 | $190,714 | $4,976 | 3.24% |
| MANKATO, MN | 13 | $2,665,000 | $205,000 | $4,189 | 2.93% |
| KANKAKEE, IL | 15 | $2,645,000 | $176,333 | $5,152 | 3.08% |
| FARMINGTON, NM | 11 | $2,595,000 | $235,909 | $5,994 | 2.85% |
| SHEBOYGAN, WI | 16 | $2,550,000 | $159,375 | $4,781 | 3.31% |
| ELKHART-GOSHEN, IN | 17 | $2,545,000 | $149,706 | $3,853 | 3.18% |
| CASPER, WY | 11 | $2,515,000 | $228,636 | $5,010 | 3.32% |
| SPRINGFIELD, IL | 14 | $2,480,000 | $177,143 | $5,031 | 2.90% |
| CUMBERLAND, MD-WV | 13 | $2,465,000 | $189,615 | $5,496 | 3.29% |
| KALAMAZOO-PORTAGE, MI | 16 | $2,450,000 | $153,125 | $4,601 | 2.99% |
| PITTSFIELD, MA | 13 | $2,255,000 | $173,462 | $3,998 | 3.14% |
| NILES, MI | 11 | $2,195,000 | $199,545 | $5,193 | 3.18% |
| ANNISTON-OXFORD, AL | 14 | $2,180,000 | $155,714 | $3,969 | 2.94% |
| MORGANTOWN, WV | 6 | $2,110,000 | $351,667 | $9,962 | 2.90% |
| TERRE HAUTE, IN | 12 | $2,100,000 | $175,000 | $5,274 | 3.02% |
| MANSFIELD, OH | 13 | $2,055,000 | $158,077 | $7,027 | 3.30% |
| ROME, GA | 11 | $2,055,000 | $186,818 | $4,225 | 3.07% |
| GADSDEN, AL | 13 | $2,015,000 | $155,000 | $3,506 | 3.04% |
| DUBUQUE, IA | 9 | $1,995,000 | $221,667 | $6,032 | 3.03% |
| JACKSON, MI | 14 | $1,970,000 | $140,714 | $4,258 | 2.84% |
| MICHIGAN CITY-LA PORTE, IN | 11 | $1,945,000 | $176,818 | $4,510 | 3.06% |
| SIOUX CITY, IA-NE-SD | 10 | $1,900,000 | $190,000 | $5,433 | 2.56% |
| FAIRBANKS, AK | 6 | $1,740,000 | $290,000 | $8,314 | 2.54% |
| KOKOMO, IN | 12 | $1,670,000 | $139,167 | $3,776 | 3.18% |
| BLOOMINGTON, IN | 9 | $1,665,000 | $185,000 | $6,014 | 2.85% |
| FOND DU LAC, WI | 6 | $1,630,000 | $271,667 | $6,480 | 2.54% |
| AMES, IA | 8 | $1,620,000 | $202,500 | $6,271 | 2.97% |
| CARBONDALE-MARION, IL | 11 | $1,545,000 | $140,455 | $4,506 | 3.08% |
| WATERLOO-CEDAR FALLS, IA | 7 | $1,505,000 | $215,000 | $4,790 | 2.87% |
| BATTLE CREEK, MI | 8 | $1,360,000 | $170,000 | $4,874 | 3.08% |
| WHEELING, WV-OH | 6 | $1,200,000 | $200,000 | $5,140 | 2.54% |
| BLOOMSBURG-BERWICK, PA | 7 | $1,195,000 | $170,714 | $4,690 | 3.37% |
| ALTOONA, PA | 5 | $1,125,000 | $225,000 | $5,596 | 3.12% |
| MIDLAND, MI | 5 | $1,065,000 | $213,000 | $7,565 | 3.18% |
| SAGINAW, MI | 8 | $1,050,000 | $131,250 | $4,419 | 3.27% |
| ENID, OK | 6 | $1,040,000 | $173,333 | $6,404 | 3.06% |
| SPRINGFIELD, OH | 6 | $1,010,000 | $168,333 | $5,025 | 3.25% |
| JOHNSTOWN, PA | 5 | $985,000 | $197,000 | $6,463 | 2.63% |
| PARKERSBURG-VIENNA, WV | 6 | $980,000 | $163,333 | $6,661 | 3.31% |
| PINE BLUFF, AR | 6 | $970,000 | $161,667 | $5,099 | 2.79% |
| WEIRTON-STEUBENVILLE, WV-OH | 7 | $935,000 | $133,571 | $4,456 | 3.02% |
| CHAMPAIGN-URBANA, IL | 5 | $895,000 | $179,000 | $4,366 | 3.25% |
| WILLIAMSPORT, PA | 6 | $890,000 | $148,333 | $4,154 | 3.17% |
| CHARLESTON, WV | 7 | $875,000 | $125,000 | $4,363 | 3.13% |
| COLUMBUS, IN | 5 | $865,000 | $173,000 | $4,131 | 3.45% |
| GRAND ISLAND, NE | 4 | $840,000 | $210,000 | $4,293 | 3.37% |
| GRAND FORKS, ND-MN | 4 | $840,000 | $210,000 | $7,043 | 2.78% |
| BECKLEY, WV | 4 | $790,000 | $197,500 | $4,853 | 3.19% |
| BAY CITY, MI | 6 | $740,000 | $123,333 | $4,336 | 3.40% |
| MUNCIE, IN | 4 | $660,000 | $165,000 | $4,993 | 2.97% |
| LIMA, OH | 3 | $405,000 | $135,000 | $3,947 | 2.92% |
| DANVILLE, IL | 5 | $395,000 | $79,000 | $1,938 | 3.25% |
| DECATUR, IL | 3 | $275,000 | $91,667 | $2,638 | 2.58% |
Pennymac Loan Services 's top markets include Washington, Los Angeles, San Diego, Atlanta, and Seattle among others.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 49,100 | $15,424,480,000 | $314,144 |
| 3-4% | 44,853 | $12,913,745,000 | $287,913 |
| <2.5% | 20,300 | $6,865,600,000 | $338,207 |
| 4-5% | 3,386 | $805,890,000 | $238,006 |
| 5-6% | 62 | $15,450,000 | $249,194 |
| 6-7% | 1 | $165,000 | $165,000 |
During 2020, Pennymac Loan Services 's average interest rate was 3.08%, while their most frequently originated rate bucket was 2.5-3%, with 49,100 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 66,811 | $19,258,605,000 | $288,255 | $5,790 | 3.01% |
| $100k-200k | 24,225 | $3,923,995,000 | $161,981 | $4,637 | 3.17% |
| $400k-600k | 20,784 | $9,829,570,000 | $472,939 | $6,789 | 2.94% |
| $600k-1MM | 3,908 | $2,704,970,000 | $692,162 | $9,729 | 2.92% |
| $100,000 or less | 1,842 | $150,220,000 | $81,553 | $3,337 | 3.29% |
| $1MM+ | 132 | $157,970,000 | $1,196,742 | $17,495 | 2.64% |
2020 saw Pennymac Loan Services place emphasis on $200k-400k loans with 66,811 originations, totaling $19,258,605,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 21,607 | $7,112,565,000 | $329,179 | $5,577 | 3.16% |
| $150k-250k | 15,167 | $5,897,815,000 | $388,858 | $5,667 | 3.11% |
| $75k-100k | 13,677 | $3,823,455,000 | $279,554 | $5,557 | 3.22% |
| $50k-75k | 12,488 | $2,859,960,000 | $229,017 | $5,448 | 3.28% |
| $250k+ | 4,465 | $1,927,695,000 | $431,735 | $5,826 | 3.08% |
| $50k or less | 4,379 | $744,675,000 | $170,056 | $5,073 | 3.36% |
Pennymac Loan Services lent most frequently to those with incomes in the $100k-150k range, with 21,607 originations. The second most popular income band? $150k-250k, with 15,167 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 19,622 | $6,172,240,000 | $314,557 | $5,171 | 3.13% |
| 30-36% | 13,808 | $4,334,080,000 | $313,882 | $5,417 | 3.20% |
| <20% | 7,829 | $2,394,465,000 | $305,846 | $4,889 | 3.04% |
| 44% | 2,426 | $743,750,000 | $306,575 | $5,821 | 3.34% |
| 38% | 2,382 | $732,060,000 | $307,330 | $6,070 | 3.25% |
| 41% | 2,325 | $713,595,000 | $306,923 | $5,797 | 3.26% |
| 39% | 2,315 | $719,595,000 | $310,840 | $5,722 | 3.24% |
| 37% | 2,265 | $698,195,000 | $308,254 | $5,576 | 3.22% |
| 36% | 2,263 | $711,255,000 | $314,297 | $5,546 | 3.23% |
| 40% | 2,217 | $686,525,000 | $309,664 | $5,717 | 3.27% |
| 43% | 2,202 | $679,910,000 | $308,769 | $5,707 | 3.29% |
| 42% | 2,198 | $688,520,000 | $313,248 | $5,944 | 3.29% |
| 45% | 1,798 | $560,470,000 | $311,719 | $5,668 | 3.26% |
| 49% | 1,723 | $550,585,000 | $319,550 | $5,894 | 3.26% |
| 46% | 1,538 | $485,820,000 | $315,878 | $5,945 | 3.27% |
| 47% | 1,524 | $491,770,000 | $322,684 | $6,324 | 3.25% |
| 50-60% | 1,498 | $447,250,000 | $298,565 | $9,633 | 3.23% |
| 48% | 1,446 | $460,430,000 | $318,416 | $6,090 | 3.27% |
| >60% | 124 | $47,410,000 | $382,339 | $11,297 | 3.22% |
Pennymac Loan Services lent most frequently to those with DTI ratios of 20-30%, with 19,622 originations. The next most common DTI ratio? 30-36%, with 13,808 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 79,438 | $23,729,290,000 | $298,715 | $5,799 | 3.05% |
| Not provided | 15,906 | $5,229,750,000 | $328,791 | $5,940 | 3.00% |
| Black | 11,558 | $3,304,830,000 | $285,934 | $6,235 | 3.01% |
| Asian | 8,747 | $3,132,185,000 | $358,087 | $5,437 | 2.96% |
| American Indian | 1,351 | $379,885,000 | $281,188 | $6,231 | 2.98% |
| Native Hawaiian | 464 | $161,690,000 | $348,470 | $6,760 | 2.96% |
| Asian Indian | 82 | $32,250,000 | $393,293 | $5,493 | 3.00% |
| 30 | $11,120,000 | $370,667 | $6,644 | 2.97% | |
| Filipino | 25 | $9,235,000 | $369,400 | $7,426 | 2.72% |
| Other Asian | 21 | $7,675,000 | $365,476 | $4,292 | 3.08% |
| Other Pacific Islander | 24 | $7,630,000 | $317,917 | $6,740 | 3.06% |
| Chinese | 13 | $5,145,000 | $395,769 | $5,546 | 2.96% |
| Korean | 10 | $3,910,000 | $391,000 | $4,661 | 2.90% |
| Vietnamese | 12 | $3,740,000 | $311,667 | $5,546 | 2.80% |
| Japanese | 9 | $2,575,000 | $286,111 | $5,623 | 3.16% |
| Native Hawiian | 7 | $2,285,000 | $326,429 | $9,295 | 2.93% |
| Guamanian | 3 | $1,345,000 | $448,333 | $7,176 | 2.46% |
| Samoan | 2 | $790,000 | $395,000 | $6,710 | 3.06% |
Approval Rates
Total approvals of all applications89.00%
Pennymac Loan Services has an average approval rate.
Pick Rate
Approvals leading to origination71.09%
Pennymac Loan Services has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 117,702 | $36,025,330,000 | $306,072 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 66 | $10,460,000 | $158,485 |
| Single Family (1-4 Units):Site-Built | 117,636 | $36,014,870,000 | $306,155 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 2,699 | $761,225,000 | $282,040 | $4,242 | 2.94% |
| 40-60% | 13,983 | $4,326,715,000 | $309,427 | $4,587 | 2.96% |
| 60-80% | 42,292 | $13,031,690,000 | $308,136 | $5,543 | 3.11% |
| 80-100% | 55,019 | $16,634,165,000 | $302,335 | $6,290 | 3.01% |
| Over 100% | 2,712 | $923,820,000 | $340,642 | $9,639 | 2.81% |
| Under 20% | 164 | $45,940,000 | $280,122 | $4,246 | 2.97% |