Government-backed, far from home
VA loans (guaranteed by the Department of Veterans Affairs) made up 26.6% of its loans, FHA loans (insured by the Federal Housing Administration) 21.5% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 4.9%. Similar lenders (state non-member banks making between half and twice as many loans) typically made none. It lent in 105 metros; New York-Newark-Jersey City, Chicago-Naperville-Elgin and Dallas-Fort Worth-Arlington are among its largest markets.