Discover Bank Mortgage Rates, Fees & Info
Greenwood, DELEI: X05BVSK68TQ7YTOSNR22
Tax ID: 51-0020270
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Bank Data
Review & Overview
Discover Bank is a smaller bank specializing in Other, Home Improvement, and Refi loans. Discover Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Atlanta, Chicago, and Phoenix among others. We have data for 643 markets. (Some data included below & more in-depth data is available with an active subscription.)Discover Bank has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Discover Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.90% | 4/19/24 |
| 30 Year Conventional Refi | 7.79% | 4/19/24 |
| 15 Year Conventional Purchase | 8.24% | 4/19/24 |
| 15 Year Conventional Refi | 8.20% | 4/19/24 |
| 15 Year Cash-out Refi | 8.20% | 4/19/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Discover Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Discover Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
11,699Origination Dollar Volume (All Markets)
$794,245,000Employee count
11,505Top 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) | 730 | $56,860,000 | $77,890 | $0 | 7.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 527 | $45,215,000 | $85,797 | $0 | 7.19% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 450 | $30,060,000 | $66,800 | $0 | 8.40% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 409 | $24,675,000 | $60,330 | $0 | 8.53% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 360 | $22,340,000 | $62,056 | $0 | 8.59% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 298 | $21,370,000 | $71,711 | $0 | 8.24% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 268 | $19,660,000 | $73,358 | $0 | 8.12% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 193 | $18,065,000 | $93,601 | $0 | 6.94% |
| Outside of Metro Areas | 288 | $17,630,000 | $61,215 | $0 | 8.08% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 230 | $17,470,000 | $75,957 | $0 | 7.83% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 208 | $16,490,000 | $79,279 | $0 | 8.02% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 218 | $15,270,000 | $70,046 | $0 | 8.05% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 189 | $14,285,000 | $75,582 | $0 | 7.83% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 190 | $14,160,000 | $74,526 | $0 | 7.98% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 226 | $13,940,000 | $61,681 | $0 | 8.73% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 194 | $13,900,000 | $71,649 | $0 | 7.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 212 | $13,800,000 | $65,094 | $0 | 8.42% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 148 | $12,750,000 | $86,149 | $0 | 7.37% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 193 | $12,745,000 | $66,036 | $0 | 8.51% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 176 | $10,970,000 | $62,330 | $0 | 8.48% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 161 | $10,345,000 | $64,255 | $0 | 8.70% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 140 | $10,270,000 | $73,357 | $0 | 8.36% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 152 | $9,950,000 | $65,461 | $0 | 8.28% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 119 | $7,835,000 | $65,840 | $0 | 8.29% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 121 | $7,305,000 | $60,372 | $0 | 8.36% |
| COLUMBUS, OH (FHA|USDA|VA) | 111 | $7,045,000 | $63,468 | $0 | 8.67% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 96 | $6,230,000 | $64,896 | $0 | 8.31% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 55 | $5,775,000 | $105,000 | $0 | 6.73% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 88 | $5,340,000 | $60,682 | $0 | 8.77% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 79 | $5,155,000 | $65,253 | $0 | 8.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 76 | $4,770,000 | $62,763 | $0 | 8.89% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 60 | $4,680,000 | $78,000 | $0 | 6.89% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 56 | $4,350,000 | $77,679 | $0 | 7.53% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 67 | $4,205,000 | $62,761 | $0 | 8.73% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 62 | $4,160,000 | $67,097 | $0 | 8.55% |
| BOISE CITY, ID (FHA|USDA|VA) | 61 | $4,055,000 | $66,475 | $0 | 8.77% |
| STOCKTON, CA (FHA|USDA|VA) | 54 | $3,750,000 | $69,444 | $0 | 8.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 61 | $3,635,000 | $59,590 | $0 | 8.91% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 62 | $3,630,000 | $58,548 | $0 | 8.95% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 67 | $3,615,000 | $53,955 | $0 | 8.92% |
| RICHMOND, VA (FHA|USDA|VA) | 56 | $3,520,000 | $62,857 | $0 | 9.10% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 52 | $3,500,000 | $67,308 | $0 | 8.46% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 53 | $3,335,000 | $62,925 | $0 | 9.17% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 53 | $3,315,000 | $62,547 | $0 | 8.65% |
| MODESTO, CA (FHA|USDA|VA) | 52 | $3,160,000 | $60,769 | $0 | 8.63% |
| VALLEJO, CA (FHA|USDA|VA) | 45 | $3,155,000 | $70,111 | $0 | 8.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 50 | $3,140,000 | $62,800 | $0 | 8.16% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 51 | $2,985,000 | $58,529 | $0 | 9.16% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 44 | $2,910,000 | $66,136 | $0 | 7.73% |
| TUCSON, AZ (FHA|USDA|VA) | 43 | $2,895,000 | $67,326 | $0 | 8.41% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 42 | $2,800,000 | $66,667 | $0 | 8.30% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 37 | $2,785,000 | $75,270 | $0 | 8.25% |
| PROVO-OREM, UT (FHA|USDA|VA) | 35 | $2,785,000 | $79,571 | $0 | 8.66% |
| LOUISVILLE, KY (FHA|USDA|VA) | 49 | $2,735,000 | $55,816 | $0 | 8.83% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 47 | $2,725,000 | $57,979 | $0 | 9.12% |
| FRESNO, CA (FHA|USDA|VA) | 44 | $2,650,000 | $60,227 | $0 | 8.51% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 37 | $2,515,000 | $67,973 | $0 | 8.26% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 43 | $2,505,000 | $58,256 | $0 | 8.30% |
| ROCHESTER, NY (FHA|USDA|VA) | 33 | $2,435,000 | $73,788 | $0 | 7.35% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 43 | $2,405,000 | $55,930 | $0 | 8.84% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 37 | $2,395,000 | $64,730 | $0 | 8.02% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 37 | $2,395,000 | $64,730 | $0 | 8.74% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 34 | $2,250,000 | $66,176 | $0 | 8.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 37 | $2,245,000 | $60,676 | $0 | 8.64% |
| RENO, NV (FHA|USDA|VA) | 33 | $2,245,000 | $68,030 | $0 | 8.19% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 39 | $2,245,000 | $57,564 | $0 | 8.09% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 23 | $2,195,000 | $95,435 | $0 | 6.10% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 30 | $2,040,000 | $68,000 | $0 | 7.93% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 27 | $2,035,000 | $75,370 | $0 | 7.74% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 32 | $2,010,000 | $62,813 | $0 | 8.24% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 28 | $1,960,000 | $70,000 | $0 | 8.53% |
| FORT COLLINS, CO (FHA|USDA|VA) | 27 | $1,925,000 | $71,296 | $0 | 7.85% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 28 | $1,900,000 | $67,857 | $0 | 8.44% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 28 | $1,880,000 | $67,143 | $0 | 8.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 31 | $1,875,000 | $60,484 | $0 | 8.85% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 35 | $1,845,000 | $52,714 | $0 | 9.08% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 21 | $1,845,000 | $87,857 | $0 | 8.15% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 28 | $1,840,000 | $65,714 | $0 | 8.84% |
| TULSA, OK (FHA|USDA|VA) | 31 | $1,805,000 | $58,226 | $0 | 8.98% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 32 | $1,770,000 | $55,313 | $0 | 9.17% |
| GREELEY, CO (FHA|USDA|VA) | 27 | $1,715,000 | $63,519 | $0 | 8.67% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 29 | $1,675,000 | $57,759 | $0 | 8.55% |
| BOULDER, CO (FHA|USDA|VA) | 17 | $1,635,000 | $96,176 | $0 | 7.05% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 18 | $1,620,000 | $90,000 | $0 | 7.60% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 24 | $1,600,000 | $66,667 | $0 | 8.04% |
| KNOXVILLE, TN (FHA|USDA|VA) | 25 | $1,535,000 | $61,400 | $0 | 8.92% |
| ASHEVILLE, NC (FHA|USDA|VA) | 21 | $1,515,000 | $72,143 | $0 | 7.45% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 25 | $1,445,000 | $57,800 | $0 | 8.37% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 20 | $1,440,000 | $72,000 | $0 | 8.40% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 21 | $1,425,000 | $67,857 | $0 | 8.32% |
| BATON ROUGE, LA (FHA|USDA|VA) | 19 | $1,405,000 | $73,947 | $0 | 8.70% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 23 | $1,405,000 | $61,087 | $0 | 8.43% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 20 | $1,400,000 | $70,000 | $0 | 8.48% |
| SALINAS, CA (FHA|USDA|VA) | 19 | $1,395,000 | $73,421 | $0 | 7.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 23 | $1,385,000 | $60,217 | $0 | 8.32% |
| AKRON, OH (FHA|USDA|VA) | 25 | $1,345,000 | $53,800 | $0 | 8.39% |
| CHICO, CA (FHA|USDA|VA) | 18 | $1,330,000 | $73,889 | $0 | 8.04% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 23 | $1,305,000 | $56,739 | $0 | 8.48% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 20 | $1,280,000 | $64,000 | $0 | 8.35% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 13 | $1,265,000 | $97,308 | $0 | 6.82% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 19 | $1,255,000 | $66,053 | $0 | 9.14% |
| COLUMBIA, SC (FHA|USDA|VA) | 18 | $1,200,000 | $66,667 | $0 | 8.19% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 20 | $1,200,000 | $60,000 | $0 | 8.42% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 19 | $1,185,000 | $62,368 | $0 | 8.01% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 21 | $1,165,000 | $55,476 | $0 | 8.97% |
| LINCOLN, NE (FHA|USDA|VA) | 19 | $1,165,000 | $61,316 | $0 | 7.25% |
| SALEM, OR (FHA|USDA|VA) | 21 | $1,145,000 | $54,524 | $0 | 8.69% |
| SAVANNAH, GA (FHA|USDA|VA) | 20 | $1,140,000 | $57,000 | $0 | 9.52% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 19 | $1,135,000 | $59,737 | $0 | 7.41% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 15 | $1,125,000 | $75,000 | $0 | 7.92% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 18 | $1,110,000 | $61,667 | $0 | 9.16% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 20 | $1,080,000 | $54,000 | $0 | 9.23% |
| Hilo, HI (FHA|USDA|VA) | 12 | $1,060,000 | $88,333 | $0 | 6.56% |
| WICHITA, KS (FHA|USDA|VA) | 18 | $1,050,000 | $58,333 | $0 | 8.02% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 18 | $1,050,000 | $58,333 | $0 | 8.80% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 16 | $1,040,000 | $65,000 | $0 | 7.90% |
| JACKSON, MS (FHA|USDA|VA) | 16 | $1,040,000 | $65,000 | $0 | 8.08% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 18 | $1,010,000 | $56,111 | $0 | 8.04% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $1,000,000 | $71,429 | $0 | 7.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 16 | $980,000 | $61,250 | $0 | 8.57% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 19 | $965,000 | $50,789 | $0 | 8.57% |
| FORT WAYNE, IN (FHA|USDA|VA) | 16 | $940,000 | $58,750 | $0 | 8.97% |
| TOLEDO, OH (FHA|USDA|VA) | 18 | $930,000 | $51,667 | $0 | 9.48% |
| LYNCHBURG, VA (FHA|USDA|VA) | 14 | $890,000 | $63,571 | $0 | 9.18% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 13 | $885,000 | $68,077 | $0 | 8.27% |
| FLINT, MI (FHA|USDA|VA) | 16 | $880,000 | $55,000 | $0 | 8.71% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 12 | $860,000 | $71,667 | $0 | 7.72% |
| BEND, OR (FHA|USDA|VA) | 12 | $860,000 | $71,667 | $0 | 8.38% |
| LANCASTER, PA (FHA|USDA|VA) | 16 | $850,000 | $53,125 | $0 | 9.19% |
| BELLINGHAM, WA (FHA|USDA|VA) | 13 | $835,000 | $64,231 | $0 | 8.72% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 12 | $810,000 | $67,500 | $0 | 7.57% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 10 | $810,000 | $81,000 | $0 | 8.40% |
| Concord, NH (FHA|USDA|VA) | 14 | $800,000 | $57,143 | $0 | 8.66% |
| READING, PA (FHA|USDA|VA) | 15 | $795,000 | $53,000 | $0 | 9.31% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 11 | $795,000 | $72,273 | $0 | 6.71% |
| Outside of Metro Areas | 12 | $790,000 | $65,833 | $0 | 9.66% |
| YUBA CITY, CA (FHA|USDA|VA) | 12 | $790,000 | $65,833 | $0 | 7.72% |
| OCALA, FL (FHA|USDA|VA) | 15 | $785,000 | $52,333 | $0 | 7.59% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 14 | $770,000 | $55,000 | $0 | 7.59% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 10 | $760,000 | $76,000 | $0 | 8.74% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 13 | $755,000 | $58,077 | $0 | 9.54% |
| MERCED, CA (FHA|USDA|VA) | 14 | $750,000 | $53,571 | $0 | 8.69% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 11 | $745,000 | $67,727 | $0 | 8.96% |
| ROCHESTER, MN (FHA|USDA|VA) | 15 | $745,000 | $49,667 | $0 | 9.55% |
| GAINESVILLE, GA (FHA|USDA|VA) | 13 | $745,000 | $57,308 | $0 | 9.36% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 11 | $745,000 | $67,727 | $0 | 9.48% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 12 | $740,000 | $61,667 | $0 | 9.07% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $680,000 | $68,000 | $0 | 6.49% |
| Bozeman, MT (FHA|USDA|VA) | 11 | $675,000 | $61,364 | $0 | 8.97% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 10 | $670,000 | $67,000 | $0 | 7.44% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 11 | $665,000 | $60,455 | $0 | 10.11% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 10 | $660,000 | $66,000 | $0 | 8.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 8 | $650,000 | $81,250 | $0 | 6.64% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 11 | $645,000 | $58,636 | $0 | 7.71% |
| SPARTANBURG, SC (FHA|USDA|VA) | 12 | $640,000 | $53,333 | $0 | 8.46% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 8 | $640,000 | $80,000 | $0 | 8.50% |
| Heber, UT (FHA|USDA|VA) | 6 | $640,000 | $106,667 | $0 | 6.84% |
| CHEYENNE, WY (FHA|USDA|VA) | 11 | $635,000 | $57,727 | $0 | 9.09% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 9 | $625,000 | $69,444 | $0 | 8.62% |
| MOBILE, AL (FHA|USDA|VA) | 10 | $620,000 | $62,000 | $0 | 8.21% |
| THE VILLAGES, FL (FHA|USDA|VA) | 7 | $615,000 | $87,857 | $0 | 5.33% |
| APPLETON, WI (FHA|USDA|VA) | 12 | $610,000 | $50,833 | $0 | 9.61% |
| SANTA FE, NM (FHA|USDA|VA) | 10 | $600,000 | $60,000 | $0 | 8.64% |
| YAKIMA, WA (FHA|USDA|VA) | 9 | $595,000 | $66,111 | $0 | 8.02% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 10 | $580,000 | $58,000 | $0 | 8.43% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 9 | $575,000 | $63,889 | $0 | 8.61% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 13 | $565,000 | $43,462 | $0 | 9.74% |
| REDDING, CA (FHA|USDA|VA) | 10 | $560,000 | $56,000 | $0 | 8.38% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 11 | $555,000 | $50,455 | $0 | 7.84% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 8 | $550,000 | $68,750 | $0 | 7.85% |
| MADERA, CA (FHA|USDA|VA) | 11 | $545,000 | $49,545 | $0 | 9.62% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 9 | $545,000 | $60,556 | $0 | 7.05% |
| VISALIA, CA (FHA|USDA|VA) | 9 | $545,000 | $60,556 | $0 | 8.51% |
| Hudson, NY (FHA|USDA|VA) | 8 | $540,000 | $67,500 | $0 | 7.69% |
| Torrington, CT (FHA|USDA|VA) | 8 | $530,000 | $66,250 | $0 | 8.81% |
| KINGSTON, NY (FHA|USDA|VA) | 8 | $530,000 | $66,250 | $0 | 7.43% |
| ROCKFORD, IL (FHA|USDA|VA) | 10 | $530,000 | $53,000 | $0 | 8.21% |
| ANCHORAGE, AK (FHA|USDA|VA) | 9 | $525,000 | $58,333 | $0 | 8.05% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 11 | $525,000 | $47,727 | $0 | 9.30% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 7 | $525,000 | $75,000 | $0 | 6.65% |
| LAFAYETTE, LA (FHA|USDA|VA) | 6 | $520,000 | $86,667 | $0 | 6.68% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 8 | $520,000 | $65,000 | $0 | 7.99% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 9 | $515,000 | $57,222 | $0 | 9.05% |
| MADISON, WI (FHA|USDA|VA) | 9 | $505,000 | $56,111 | $0 | 9.00% |
| UTICA-ROME, NY (FHA|USDA|VA) | 7 | $505,000 | $72,143 | $0 | 7.78% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 8 | $500,000 | $62,500 | $0 | 8.88% |
| PUEBLO, CO (FHA|USDA|VA) | 8 | $490,000 | $61,250 | $0 | 8.80% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 8 | $490,000 | $61,250 | $0 | 7.60% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 6 | $480,000 | $80,000 | $0 | 7.41% |
| Jefferson, GA (FHA|USDA|VA) | 7 | $475,000 | $67,857 | $0 | 9.15% |
| BANGOR, ME (FHA|USDA|VA) | 7 | $475,000 | $67,857 | $0 | 6.30% |
| JONESBORO, AR (FHA|USDA|VA) | 7 | $465,000 | $66,429 | $0 | 8.68% |
| FARGO, ND-MN (FHA|USDA|VA) | 8 | $460,000 | $57,500 | $0 | 8.09% |
| DULUTH, MN-WI (FHA|USDA|VA) | 8 | $460,000 | $57,500 | $0 | 7.87% |
| EL PASO, TX (FHA|USDA|VA) | 6 | $450,000 | $75,000 | $0 | 5.57% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $0 | 9.12% |
| WILMINGTON, NC (FHA|USDA|VA) | 8 | $450,000 | $56,250 | $0 | 8.33% |
| SYRACUSE, NY (FHA|USDA|VA) | 9 | $445,000 | $49,444 | $0 | 8.38% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 8 | $440,000 | $55,000 | $0 | 9.35% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 7 | $435,000 | $62,143 | $0 | 7.58% |
| GREEN BAY, WI (FHA|USDA|VA) | 9 | $435,000 | $48,333 | $0 | 8.66% |
| ERIE, PA (FHA|USDA|VA) | 6 | $430,000 | $71,667 | $0 | 7.34% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 6 | $430,000 | $71,667 | $0 | 6.24% |
| MUSKEGON, MI (FHA|USDA|VA) | 7 | $425,000 | $60,714 | $0 | 8.42% |
| NILES, MI (FHA|USDA|VA) | 5 | $425,000 | $85,000 | $0 | 5.49% |
| RACINE, WI (FHA|USDA|VA) | 8 | $420,000 | $52,500 | $0 | 9.94% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 6 | $420,000 | $70,000 | $0 | 8.07% |
| Findlay, OH (FHA|USDA|VA) | 7 | $415,000 | $59,286 | $0 | 8.52% |
| BURLINGTON, NC (FHA|USDA|VA) | 5 | $415,000 | $83,000 | $0 | 9.19% |
| FLORENCE, SC (FHA|USDA|VA) | 7 | $415,000 | $59,286 | $0 | 8.78% |
| LONGVIEW, WA (FHA|USDA|VA) | 6 | $410,000 | $68,333 | $0 | 8.82% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 8 | $410,000 | $51,250 | $0 | 8.83% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 8 | $410,000 | $51,250 | $0 | 9.40% |
| ROME, GA (FHA|USDA|VA) | 7 | $405,000 | $57,857 | $0 | 8.28% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 5 | $405,000 | $81,000 | $0 | 7.35% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 6 | $400,000 | $66,667 | $0 | 8.67% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 6 | $400,000 | $66,667 | $0 | 8.69% |
| TOPEKA, KS (FHA|USDA|VA) | 8 | $390,000 | $48,750 | $0 | 8.65% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 8 | $390,000 | $48,750 | $0 | 9.18% |
| BISMARCK, ND (FHA|USDA|VA) | 7 | $385,000 | $55,000 | $0 | 7.92% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 5 | $385,000 | $77,000 | $0 | 8.18% |
| ROANOKE, VA (FHA|USDA|VA) | 7 | $375,000 | $53,571 | $0 | 8.76% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $375,000 | $53,571 | $0 | 7.78% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 6 | $370,000 | $61,667 | $0 | 10.11% |
| Oak Harbor, WA (FHA|USDA|VA) | 5 | $365,000 | $73,000 | $0 | 6.99% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 7 | $365,000 | $52,143 | $0 | 7.10% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 7 | $365,000 | $52,143 | $0 | 7.75% |
| PEORIA, IL (FHA|USDA|VA) | 7 | $365,000 | $52,143 | $0 | 8.33% |
| Aberdeen, WA (FHA|USDA|VA) | 4 | $360,000 | $90,000 | $0 | 9.12% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $360,000 | $90,000 | $0 | 6.74% |
| NAPA, CA (FHA|USDA|VA) | 4 | $360,000 | $90,000 | $0 | 6.24% |
| LAS CRUCES, NM (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $0 | 8.15% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $0 | 8.19% |
| YUMA, AZ (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $0 | 7.65% |
| KANKAKEE, IL (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $0 | 8.84% |
| CHARLESTON, WV (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $0 | 7.87% |
| MANSFIELD, OH (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $0 | 7.37% |
| DOVER, DE (FHA|USDA|VA) | 6 | $340,000 | $56,667 | $0 | 7.99% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 6 | $340,000 | $56,667 | $0 | 7.57% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 6 | $330,000 | $55,000 | $0 | 9.54% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 5 | $325,000 | $65,000 | $0 | 8.21% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $320,000 | $53,333 | $0 | 8.22% |
| Fairmont, WV (FHA|USDA|VA) | 5 | $315,000 | $63,000 | $0 | 8.19% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 5 | $315,000 | $63,000 | $0 | 10.47% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 5 | $315,000 | $63,000 | $0 | 8.03% |
| Ukiah, CA (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $0 | 7.74% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $0 | 8.39% |
| Zanesville, OH (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $0 | 7.74% |
| HATTIESBURG, MS (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $0 | 6.99% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 5 | $305,000 | $61,000 | $0 | 8.88% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 5 | $305,000 | $61,000 | $0 | 8.59% |
| MONROE, MI (FHA|USDA|VA) | 5 | $305,000 | $61,000 | $0 | 6.59% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 6 | $300,000 | $50,000 | $0 | 10.61% |
| JOPLIN, MO (FHA|USDA|VA) | 4 | $300,000 | $75,000 | $0 | 6.24% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 5 | $295,000 | $59,000 | $0 | 10.29% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 4 | $290,000 | $72,500 | $0 | 9.20% |
| Whitewater, WI (FHA|USDA|VA) | 5 | $285,000 | $57,000 | $0 | 8.29% |
| Holland, MI (FHA|USDA|VA) | 6 | $280,000 | $46,667 | $0 | 9.37% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 6 | $280,000 | $46,667 | $0 | 10.07% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 8.87% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 8.64% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 9.24% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 8.79% |
| LAWRENCE, KS (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 9.10% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 5 | $275,000 | $55,000 | $0 | 8.19% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $270,000 | $67,500 | $0 | 7.15% |
| GLENS FALLS, NY (FHA|USDA|VA) | 4 | $270,000 | $67,500 | $0 | 9.74% |
| Alexander City, AL (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 8.87% |
| DECATUR, AL (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 6.57% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 7.92% |
| Sonora, CA (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 8.04% |
| Kalispell, MT (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 6.74% |
| Lebanon, NH-VT (FHA|USDA|VA) | 5 | $255,000 | $51,000 | $0 | 10.37% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 8.16% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 4.99% |
| LEBANON, PA (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 8.87% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 6 | $250,000 | $41,667 | $0 | 9.24% |
| POCATELLO, ID (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 7.87% |
| Port Angeles, WA (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 7.99% |
| Traverse City, MI (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 6.94% |
| BILLINGS, MT (FHA|USDA|VA) | 5 | $245,000 | $49,000 | $0 | 9.67% |
| Fernley, NV (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 8.29% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 4.49% |
| BINGHAMTON, NY (FHA|USDA|VA) | 4 | $240,000 | $60,000 | $0 | 8.59% |
| ST. CLOUD, MN (FHA|USDA|VA) | 5 | $235,000 | $47,000 | $0 | 8.99% |
| Jennings, LA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 5.69% |
| MONTGOMERY, AL (FHA|USDA|VA) | 5 | $235,000 | $47,000 | $0 | 10.55% |
| Centralia, WA (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 8.16% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 5 | $235,000 | $47,000 | $0 | 9.83% |
| CLEVELAND, TN (FHA|USDA|VA) | 5 | $235,000 | $47,000 | $0 | 8.99% |
| Malone, NY (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 4.99% |
| ALTOONA, PA (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $0 | 7.02% |
| Moses Lake, WA (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $0 | 8.84% |
| Seneca, SC (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $0 | 9.37% |
| ELMIRA, NY (FHA|USDA|VA) | 5 | $225,000 | $45,000 | $0 | 9.08% |
| TWIN FALLS, ID (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $0 | 9.76% |
| Watertown, SD (FHA|USDA|VA) | 4 | $220,000 | $55,000 | $0 | 8.37% |
| Gillette, WY (FHA|USDA|VA) | 4 | $220,000 | $55,000 | $0 | 9.92% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $220,000 | $55,000 | $0 | 8.49% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 8.04% |
| Brookings, OR (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 6.04% |
| Kapaa, HI (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 9.52% |
| Stillwater, OK (FHA|USDA|VA) | 5 | $215,000 | $43,000 | $0 | 8.25% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 7.16% |
| Helena, MT (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 8.62% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 5.39% |
| LUBBOCK, TX (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 8.24% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 8.92% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 10.74% |
| Frankfort, IN (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 6.79% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 6.94% |
| Cullman, AL (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 8.16% |
| LOGAN, UT-ID (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 7.96% |
| MORGANTOWN, WV (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 7.66% |
| GETTYSBURG, PA (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $0 | 11.22% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 8.44% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $0 | 9.99% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 7.79% |
| OWENSBORO, KY (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $0 | 8.99% |
| FARMINGTON, NM (FHA|USDA|VA) | 4 | $200,000 | $50,000 | $0 | 8.19% |
| Danville, VA (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 8.66% |
| Newport, OR (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 9.37% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 7.82% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 7.42% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 7.87% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.94% |
| MIDLAND, MI (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 7.19% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 4 | $190,000 | $47,500 | $0 | 8.34% |
| Montrose, CO (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 6.99% |
| Salem, OH (FHA|USDA|VA) | 4 | $190,000 | $47,500 | $0 | 7.49% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 7.66% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.99% |
| FOND DU LAC, WI (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 8.66% |
| RAPID CITY, SD (FHA|USDA|VA) | 4 | $180,000 | $45,000 | $0 | 8.29% |
| Mitchell, SD (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 6.49% |
| EL CENTRO, CA (FHA|USDA|VA) | 4 | $180,000 | $45,000 | $0 | 9.37% |
| Roseburg, OR (FHA|USDA|VA) | 4 | $180,000 | $45,000 | $0 | 9.32% |
| COLUMBIA, MO (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 7.82% |
| DALTON, GA (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 6.42% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 7.49% |
| Los Alamos, NM (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 5.99% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 7.07% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 4.74% |
| Fallon, NV (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 4.49% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 8.32% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 9.66% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 7.49% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 7.32% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 7.59% |
| STAUNTON, VA (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 8.66% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 7.49% |
| Clarksburg, WV (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 5.16% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 6.49% |
| Wooster, OH (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.24% |
| Scottsburg, IN (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.49% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 6.49% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.29% |
| Sevierville, TN (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 9.82% |
| BECKLEY, WV (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 8.09% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 6.99% |
| Clearlake, CA (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 7.66% |
| Campbellsville, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.09% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.99% |
| Key West, FL (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 7.99% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.99% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.79% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 8.74% |
| Spearfish, SD (FHA|USDA|VA) | 4 | $150,000 | $37,500 | $0 | 9.99% |
| Union City, TN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 6.99% |
| Dickinson, ND (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 7.99% |
| Marion, NC (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 6.49% |
| Greenwood, SC (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 8.76% |
| Ottawa, IL (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 8.99% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $0 | 9.66% |
| Auburn, NY (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 9.49% |
| Berlin, NH (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.99% |
| Hood River, OR (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.24% |
| Altus, OK (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 9.49% |
| Oneonta, NY (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.29% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.99% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 5.74% |
| Wilson, NC (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.32% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 9.42% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 7.36% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 10.01% |
| Glenwood Springs, CO (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 7.96% |
| Celina, OH (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 8.32% |
| Beaver Dam, WI (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 7.82% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.99% |
| WHEELING, WV-OH (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 9.76% |
| Greeneville, TN (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 9.79% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 9.82% |
| DuBois, PA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 8.49% |
| Elko, NV (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 7.74% |
| Moscow, ID (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 8.24% |
| Mountain Home, AR (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 8.99% |
| CASPER, WY (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 7.49% |
| Oxford, MS (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 8.69% |
| Riverton, WY (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 6.49% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 5.99% |
| Brevard, NC (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 8.24% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.99% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 3 | $125,000 | $41,667 | $0 | 10.06% |
| Atchison, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.99% |
| Sedalia, MO (FHA|USDA|VA) | 3 | $125,000 | $41,667 | $0 | 9.92% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.99% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 10.49% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 6.99% |
| Payson, AZ (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 7.99% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 7.74% |
| Sterling, CO (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 8.99% |
| Columbus, MS (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 9.24% |
| MONROE, LA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 10.59% |
| Indiana, PA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 6.94% |
| NEW BERN, NC (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $0 | 9.37% |
| Minot, ND (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.59% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.74% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 5.49% |
| Batesville, AR (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.24% |
| New Castle, PA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.99% |
| Pottsville, PA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.49% |
| Russellville, AR (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.34% |
| Hillsdale, MI (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.24% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 5.74% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.99% |
| Owatonna, MN (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 8.49% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.49% |
| Crossville, TN (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.04% |
| Moberly, MO (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.99% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 7.99% |
| Safford, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.99% |
| Warsaw, IN (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $0 | 10.66% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.99% |
| Washington Court House, OH (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $0 | 9.46% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $0 | 8.99% |
| Marquette, MI (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 11.24% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.74% |
| Plattsburgh, NY (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 5.74% |
| Auburn, IN (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.89% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.99% |
| Bogalusa, LA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.99% |
| Hutchinson, MN (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 8.24% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 8.34% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 6.74% |
| Lake City, FL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 5.49% |
| London, KY (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 8.74% |
| Fergus Falls, MN (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.49% |
| Cortland, NY (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 6.49% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 5.99% |
| Jasper, IN (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.99% |
| Ottawa, KS (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.74% |
| Toccoa, GA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.49% |
| McMinnville, TN (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 8.24% |
| Muskogee, OK (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 5.54% |
| Olean, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.99% |
| Ruston, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.59% |
| Malvern, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.99% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.49% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 10.19% |
| Kearney, NE (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.39% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.24% |
| Rochelle, IL (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.74% |
| Aberdeen, SD (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.49% |
| Defiance, OH (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.99% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 7.49% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 10.74% |
| Meridian, MS (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 5.49% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 6.24% |
| West Plains, MO (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 6.99% |
| Freeport, IL (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.59% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.19% |
| Española, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.99% |
| Hailey, ID (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.29% |
| Laurel, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.99% |
| Marion, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.64% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.99% |
| Seneca Falls, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.99% |
| Edwards, CO (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 7.99% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 11.49% |
| Newberry, SC (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 9.07% |
| Sandusky, OH (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 7.79% |
| Richmond, IN (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 8.92% |
| Lewistown, PA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 8.69% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 6.24% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 8.49% |
| Taylorville, IL (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 6.34% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 6.49% |
| The Dalles, OR (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.24% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 11.74% |
| Somerset, PA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.74% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.09% |
| Minden, LA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.24% |
| Angola, IN (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.69% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.49% |
| Shelby, NC (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 9.24% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 10.19% |
| Albertville, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.99% |
| Ashland, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.69% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.99% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.49% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.09% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.99% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.99% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.99% |
| St. Marys, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.09% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.49% |
| Shelton, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.99% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.99% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.99% |
| Statesboro, GA (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 9.69% |
| Oil City, PA (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 6.74% |
| Kendallville, IN (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 9.14% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 10.99% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 8.54% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 11.24% |
| Rexburg, ID (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 6.74% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 8.99% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 10.24% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 9.54% |
| Columbus, NE (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 10.99% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 9.09% |
| Willmar, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.99% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.49% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.64% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.99% |
| Central City, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.99% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.49% |
| Picayune, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.99% |
| Evanston, WY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.99% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.44% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.39% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.99% |
| Waycross, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.99% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.99% |
| McComb, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.99% |
| Maryville, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.89% |
| Starkville, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.99% |
| Union, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.99% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.99% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.99% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.99% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.99% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.99% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.99% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.99% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.99% |
| Roswell, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.14% |
| Washington, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.99% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.99% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.99% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.99% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.99% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.99% |
| Othello, WA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.79% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.49% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.99% |
| Danville, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.09% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.99% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.99% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.49% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.79% |
| Keene, NH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.09% |
| Paris, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.99% |
| Pullman, WA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.99% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| Brenham, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.99% |
| Brookings, SD (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.99% |
| Pierre, SD (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.99% |
| Burley, ID (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.89% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.49% |
| Paragould, AR (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.99% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.99% |
| Palatka, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.99% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.49% |
| Sanford, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.99% |
| Newport, TN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.99% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.99% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.49% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.49% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.49% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.99% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.99% |
| Somerset, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.69% |
| McPherson, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.09% |
| Marshall, MN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.99% |
| Logansport, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.19% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.49% |
| Craig, CO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.99% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| Hays, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| Dayton, TN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.49% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.49% |
| Williston, ND (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.19% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.99% |
| Farmington, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.84% |
| Borger, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.99% |
| Susanville, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.49% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.99% |
| LIMA, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Madison, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.99% |
| Warren, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Durango, CO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.99% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.84% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.84% |
| Athens, TN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.99% |
| Greenville, MS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.99% |
| Meadville, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.99% |
| Decatur, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.19% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.29% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.49% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.99% |
| Dixon, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.69% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.99% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.99% |
| Garden City, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.99% |
| Adrian, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.99% |
| Seymour, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.99% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.64% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.99% |
| Mount Gay-Shamrock, WV (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.99% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.29% |
| Winfield, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.99% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.99% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.99% |
| Barre, VT (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.99% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.99% |
| Jasper, AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.49% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 10.90% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.99% |
| Jackson, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.59% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.99% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.89% |
| Laramie, WY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.69% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 11,699 | $794,245,000 | $67,890 | $0 | 8.23% |
For 2019, Discover Bank's most frequently originated type of loan was Conventional, with 11,699 originations.
Loan Reason
For 2019, Discover Bank's most frequently cited loan purpose was Other, with 4,882 originations. The 2nd most popular reason was Home Improvement, with 4,780 originations.
Loan Duration/Length
For 2019, Discover Bank's most frequently cited loan duration was 20 Year, with 4,745 originations. The 2nd most popular length was 30 Year, with 2,996 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 11,699 | $794,245,000 | $67,890 |
Discover Bank's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 11,699 originations.
Interest Rates
During 2019, Discover Bank's average interest rate for loans was 7.98%, while their most frequently originated rate bucket for loans was Over 8%, with 5,772 originations.
Loan Sizing
2019 saw Discover Bank place emphasis on $100,000 or less loans with 9,797 originations, totaling $551,465,000 in origination value.
Applicant Income
Discover Bank lent most frequently to those with incomes in the $100k-150k range, with 3,663 originations. The second most popular income band? $150k-250k, with 2,552 originations.
Applicant Debt to Income Ratio
Discover Bank lent most frequently to those with DTI ratios of 30-36%, with 2,356 originations. The next most common DTI ratio? 42%, with 2,277 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications26.76%
Discover Bank has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination-16.32%
Discover Bank 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 | 11,699 | $794,245,000 | $67,890 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 11,699 | $794,245,000 | $67,890 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| DISCOVER BANK | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 7 | 50.0% |
| DISCOVER BANK | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 7.1% |
| DISCOVER BANK | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 7.1% |
| DISCOVER BANK | Home equity loan or line of credit (HELOC) | Trouble during payment process | 3 | 21.4% |
| DISCOVER BANK | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
| DISCOVER BANK | Other type of mortgage | Trouble during payment process | 1 | 7.1% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Discover Bank | 12 Read's Way New Castle, DE 19720 | Limited, Administrative | $0 |
| Discover Bank | 502 E. Market Street Greenwood, DE 19950 | Full Service B&M | $71,994,592 |
For 2019, Discover Bank had 2 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $12,335,501 |
| Net interest income | $9,968,448 |
| Total noninterest income | $872,648 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,397 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $871,251 |
| Pre-tax net operating income | $3,767,847 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $2,895,001 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $2,895,001 |
| Minority interest net income | $0 |
| Net income | $2,895,001 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $2,895,001 |
Discover Bank's gross interest income from loans was $12,335,501,000.
Discover Bank's net interest income from loans was $9,968,448,000.
Discover Bank's fee based income from loans was $1,397,000.
Discover Bank's net income from loans was $2,895,001,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,367,053 |
| Provision for credit losses | $3,232,962 |
| Total noninterest expense | $3,840,287 |
| Salaries and employee benefits | $1,089,478 |
| Premises and equipment expense | $55,914 |
| Additional noninterest expense | $2,694,895 |
| Applicable income taxes | $872,846 |
| Net charge-offs | $2,885,153 |
| Cash dividends | $2,530,000 |
Discover Bank's interest expense for loans was $2,367,053,000.
Discover Bank's payroll and benefits expense were $1,089,478,000.
Discover Bank's property, plant and equipment expenses $55,914,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 1.0% |
| Credit card loans | 1.5% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $75,231,520 |
| Deposits held in domestic offices | $75,231,520 |
| Deposits by Individuals, partnerships, and corporations | $75,231,409 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $96 |
| Deposits by Commercial banks and other depository institutions in U.S. | $15 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $973,625 |
| Demand deposits | $884,809 |
| Nontransaction accounts | $74,257,895 |
| Money market deposit accounts (MMDAs) | $9,472,739 |
| Other savings deposits (excluding MMDAs) | $30,404,465 |
| Total time deposits | $34,380,691 |
| Total time and savings deposits | $74,346,711 |
| Noninterest-bearing deposits | $866,173 |
| Interest-bearing deposits | $74,365,347 |
| Retail deposits | $51,658,643 |
| IRAs and Keogh plan accounts | $2,408,243 |
| Brokered deposits | $21,742,749 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $112,384,202 |
| Cash & Balances due from depository institutions | $6,750,410 |
| Interest-bearing balances | $5,868,343 |
| Total securities | $10,606,819 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $92,512,157 |
| Loan and leases loss allowance | $3,383,436 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $386,341 |
| Other real estate owned | $103 |
| Goodwill and other intangibles | $2,450 |
| All other assets | $2,125,922 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $112,384,202 |
| Total Liabilities | $101,082,424 |
| Total deposits | $75,231,520 |
| Interest-bearing deposits | $74,365,347 |
| Deposits held in domestic offices | $75,231,520 |
| % insured (estimated) | $92 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $21,086,849 |
| Subordinated debt | $1,496,013 |
| All other liabilities | $3,268,042 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $92,512,157 |
| Loan and leases loss allowance | $3,383,436 |
| Total loans and leases (domestic) | $95,895,593 |
| All real estate loans | $1,330,486 |
| Real estate loans in domestic offices | $1,330,486 |
| Construction and development loans | $783 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $783 |
| Loans secured by nonfarm nonresidential properties | $0 |
| Nonfarm nonresidential secured by owner-occupied properties | $0 |
| Commercial real estate & other non-farm, non-residential | $0 |
| Multifamily residential real estate | $0 |
| 1-4 family residential loans | $1,329,703 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $169,553 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $94,350,479 |
| Credit card loans | $77,009,986 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $17,340,493 |
| All other loans & leases | $45,075 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $45,075 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $3,368,760 |
| Non 1-4 family restructured loans & leases | $3,368,673 |
| Total loans and leases (foreign) | $0 |
Discover Bank had $92,512,157,000 of loans outstanding in 2019. $1,330,486,000 of loans were in real estate loans. $783,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $1,329,703,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $77,009,986,000 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Commercial & Industrial, US addressed loans - <$1MM | 76,943 | $169,553 | $2,204 |
| Commercial & Industrial, US addressed loans - <$100k | 76,943 | $169,553 | $2,204 |