Embrace Home Loans Mortgage Rates, Fees & Info
MIDDLETOWN, RILEI: 213800QUAI2VH5YM6310
Tax ID: 05-0402708
3 stars - Updated: 12/5/23
-
out of 5 stars, based on 96 reviews
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Embrace Home Loans is a mid-sized mortgage company specializing in Home Purchase loans. Embrace Home Loans 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 by origination volume include: New York, Washington, Baltimore, Boston, and Providence among others. We have data for 433 markets. (Some data included below & more in-depth data is available with an active subscription.)Embrace Home Loans has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Embrace Home Loans is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.47% | 12/5/23 |
| 30 Year Conventional Refi | 6.41% | 12/5/23 |
| 30 Year Cash-out Refi | 6.68% | 12/5/23 |
| 30 Year FHA Purchase | 7.40% | 12/5/23 |
| 30 Year FHA Refi | 7.21% | 12/5/23 |
| 30 Year VA Purchase | 6.05% | 12/5/23 |
| 30 Year VA Refi | 5.80% | 12/5/23 |
| 30 Year USDA Purchase | 6.86% | 12/5/23 |
| 30 Year USDA Refi | 7.23% | 12/5/23 |
| 15 Year Conventional Purchase | 5.98% | 12/5/23 |
| 15 Year Conventional Refi | 5.96% | 12/5/23 |
| 15 Year Cash-out Refi | 5.96% | 12/5/23 |
| 15 Year FHA Purchase | 7.23% | 12/5/23 |
| 15 Year FHA Refi | 7.40% | 12/5/23 |
| 15 Year VA Refi | 5.81% | 12/5/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Embrace Home Loans Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Embrace Home Loans. 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
9,249Origination Dollar Volume (All Markets)
$3,605,855,000Awards
×
![]()
EMBRACE HOME LOANS - 2022
EMBRACE HOME LOANS is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
Work for EMBRACE HOME LOANS?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
Embrace Home Loans's average 30 year fixed mortgage rate was
4.85%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.09%.
Relative Fees (Closing Costs)
Embrace Home Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,245.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1,765 | $893,165,000 | $506,042 | $8,626 | 4.68% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1,752 | $885,720,000 | $505,548 | $9,008 | 4.79% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 382 | $152,560,000 | $399,372 | $8,085 | 5.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 296 | $143,580,000 | $485,068 | $7,668 | 4.73% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 252 | $95,540,000 | $379,127 | $8,351 | 4.52% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 244 | $75,310,000 | $308,648 | $7,647 | 4.81% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 225 | $72,415,000 | $321,844 | $8,584 | 4.92% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 225 | $72,355,000 | $321,578 | $7,266 | 4.75% |
| Outside of Metro Areas | 247 | $64,755,000 | $262,166 | $7,303 | 5.01% |
| LYNCHBURG, VA (FHA|USDA|VA) | 239 | $58,265,000 | $243,787 | $6,486 | 4.68% |
| MOBILE, AL (FHA|USDA|VA) | 279 | $54,545,000 | $195,502 | $6,867 | 5.20% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 122 | $40,450,000 | $331,557 | $8,608 | 4.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 95 | $33,405,000 | $351,632 | $8,968 | 5.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 63 | $33,115,000 | $525,635 | $10,632 | 4.39% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 83 | $32,395,000 | $390,301 | $5,808 | 4.77% |
| ROANOKE, VA (FHA|USDA|VA) | 133 | $31,685,000 | $238,233 | $6,350 | 4.71% |
| RICHMOND, VA (FHA|USDA|VA) | 87 | $29,895,000 | $343,621 | $7,506 | 4.79% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 107 | $28,195,000 | $263,505 | $7,033 | 4.22% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 99 | $27,945,000 | $282,273 | $7,994 | 4.89% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 79 | $25,105,000 | $317,785 | $8,615 | 4.85% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 111 | $24,965,000 | $224,910 | $5,557 | 4.67% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 69 | $22,635,000 | $328,043 | $6,009 | 4.91% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 54 | $17,630,000 | $326,481 | $8,229 | 4.56% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 41 | $17,585,000 | $428,902 | $7,496 | 4.65% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 58 | $17,580,000 | $303,103 | $8,325 | 5.21% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 40 | $16,890,000 | $422,250 | $9,282 | 5.11% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 46 | $16,530,000 | $359,348 | $7,335 | 4.43% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 43 | $15,985,000 | $371,744 | $8,131 | 4.90% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 44 | $15,840,000 | $360,000 | $6,551 | 4.65% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 29 | $13,835,000 | $477,069 | $10,114 | 4.03% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 60 | $13,420,000 | $223,667 | $7,685 | 4.92% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 44 | $12,830,000 | $291,591 | $6,659 | 4.40% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 53 | $12,395,000 | $233,868 | $8,030 | 4.82% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 23 | $12,335,000 | $536,304 | $7,129 | 4.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 26 | $11,280,000 | $433,846 | $8,477 | 4.50% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 32 | $11,260,000 | $351,875 | $7,170 | 4.63% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 39 | $11,005,000 | $282,179 | $7,699 | 4.65% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 32 | $10,740,000 | $335,625 | $6,898 | 4.61% |
| DOVER, DE (FHA|USDA|VA) | 35 | $10,075,000 | $287,857 | $9,724 | 4.58% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 30 | $9,710,000 | $323,667 | $8,289 | 5.01% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 22 | $9,700,000 | $440,909 | $9,190 | 4.29% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 29 | $9,485,000 | $327,069 | $7,244 | 4.54% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 26 | $9,350,000 | $359,615 | $7,472 | 4.73% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 26 | $9,090,000 | $349,615 | $7,434 | 5.11% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 24 | $9,070,000 | $377,917 | $9,192 | 4.10% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 31 | $8,905,000 | $287,258 | $7,292 | 5.28% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 24 | $8,340,000 | $347,500 | $6,082 | 5.07% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 27 | $8,245,000 | $305,370 | $6,453 | 4.70% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 29 | $7,515,000 | $259,138 | $6,314 | 4.38% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 13 | $7,395,000 | $568,846 | $6,900 | 3.86% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 11 | $6,755,000 | $614,091 | $7,838 | 4.18% |
| BANGOR, ME (FHA|USDA|VA) | 29 | $6,635,000 | $228,793 | $7,039 | 5.36% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 17 | $6,425,000 | $377,941 | $6,148 | 4.66% |
| PITTSBURGH, PA (FHA|USDA|VA) | 17 | $6,345,000 | $373,235 | $9,970 | 4.71% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 17 | $6,325,000 | $372,059 | $6,959 | 4.45% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 12 | $6,250,000 | $520,833 | $6,971 | 4.37% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 15 | $5,565,000 | $371,000 | $7,404 | 4.24% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 21 | $5,135,000 | $244,524 | $6,316 | 4.71% |
| Lebanon, NH-VT (FHA|USDA|VA) | 24 | $5,130,000 | $213,750 | $6,802 | 5.26% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 11 | $4,925,000 | $447,727 | $8,226 | 4.64% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 14 | $4,870,000 | $347,857 | $7,693 | 4.01% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 20 | $4,710,000 | $235,500 | $7,965 | 4.61% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 13 | $4,705,000 | $361,923 | $6,535 | 5.07% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 10 | $4,690,000 | $469,000 | $12,206 | 4.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $3,935,000 | $357,727 | $10,317 | 4.90% |
| TUCSON, AZ (FHA|USDA|VA) | 10 | $3,590,000 | $359,000 | $10,175 | 4.91% |
| COLUMBUS, OH (FHA|USDA|VA) | 16 | $3,580,000 | $223,750 | $7,248 | 5.04% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 16 | $3,480,000 | $217,500 | $7,026 | 4.93% |
| ASHEVILLE, NC (FHA|USDA|VA) | 8 | $3,380,000 | $422,500 | $5,968 | 4.36% |
| COLUMBIA, SC (FHA|USDA|VA) | 11 | $3,315,000 | $301,364 | $8,827 | 4.93% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $3,290,000 | $822,500 | $8,281 | 4.19% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 12 | $3,260,000 | $271,667 | $9,129 | 4.85% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 9 | $3,235,000 | $359,444 | $8,559 | 5.39% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $3,150,000 | $225,000 | $7,727 | 4.61% |
| Keene, NH (FHA|USDA|VA) | 13 | $3,085,000 | $237,308 | $5,432 | 4.74% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 12 | $3,060,000 | $255,000 | $7,735 | 5.38% |
| OCALA, FL (FHA|USDA|VA) | 12 | $3,050,000 | $254,167 | $8,346 | 4.74% |
| RENO, NV (FHA|USDA|VA) | 5 | $3,045,000 | $609,000 | $7,559 | 3.70% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 11 | $3,035,000 | $275,909 | $6,869 | 4.77% |
| ROCHESTER, NY (FHA|USDA|VA) | 12 | $2,990,000 | $249,167 | $7,976 | 4.49% |
| BOULDER, CO (FHA|USDA|VA) | 5 | $2,965,000 | $593,000 | $8,496 | 4.55% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 13 | $2,925,000 | $225,000 | $7,738 | 5.36% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 10 | $2,910,000 | $291,000 | $7,558 | 4.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 10 | $2,890,000 | $289,000 | $8,303 | 4.96% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $2,880,000 | $360,000 | $10,913 | 4.17% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 11 | $2,875,000 | $261,364 | $6,589 | 5.51% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 9 | $2,865,000 | $318,333 | $5,886 | 4.68% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $2,740,000 | $1,370,000 | $7,688 | 3.81% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 10 | $2,670,000 | $267,000 | $10,963 | 5.11% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 8 | $2,610,000 | $326,250 | $9,155 | 4.26% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $2,605,000 | $372,143 | $7,987 | 3.96% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 10 | $2,540,000 | $254,000 | $9,580 | 5.42% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 12 | $2,510,000 | $209,167 | $7,995 | 4.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 10 | $2,410,000 | $241,000 | $6,890 | 5.06% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $10,278 | 3.96% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 9 | $2,395,000 | $266,111 | $9,320 | 4.62% |
| READING, PA (FHA|USDA|VA) | 11 | $2,385,000 | $216,818 | $8,507 | 4.67% |
| GETTYSBURG, PA (FHA|USDA|VA) | 9 | $2,345,000 | $260,556 | $8,333 | 5.40% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 9 | $2,235,000 | $248,333 | $9,368 | 4.02% |
| STAUNTON, VA (FHA|USDA|VA) | 9 | $2,225,000 | $247,222 | $5,050 | 4.69% |
| SAVANNAH, GA (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $5,401 | 3.98% |
| Easton, MD (FHA|USDA|VA) | 6 | $2,150,000 | $358,333 | $9,341 | 5.04% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $2,130,000 | $532,500 | $10,229 | 5.53% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 10 | $2,070,000 | $207,000 | $7,360 | 4.78% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $2,065,000 | $688,333 | $7,828 | 4.21% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $10,164 | 4.89% |
| WILMINGTON, NC (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $8,630 | 4.80% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $6,351 | 4.83% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $1,995,000 | $221,667 | $8,020 | 5.03% |
| MADISON, WI (FHA|USDA|VA) | 5 | $1,985,000 | $397,000 | $5,776 | 4.02% |
| KNOXVILLE, TN (FHA|USDA|VA) | 8 | $1,980,000 | $247,500 | $6,260 | 4.68% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $9,136 | 4.62% |
| NAPA, CA (FHA|USDA|VA) | 2 | $1,940,000 | $970,000 | $5,117 | 4.50% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $7,249 | 4.64% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $5,469 | 4.48% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 8 | $1,880,000 | $235,000 | $7,388 | 4.59% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 9 | $1,775,000 | $197,222 | $6,327 | 5.83% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $1,755,000 | $1,755,000 | $10,788 | 2.88% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $7,338 | 3.81% |
| Morehead City, NC (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $6,366 | 4.37% |
| Seneca, SC (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $4,911 | 4.34% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $4,069 | 2.81% |
| LOUISVILLE, KY (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $8,657 | 5.83% |
| Torrington, CT (FHA|USDA|VA) | 8 | $1,660,000 | $207,500 | $5,335 | 4.58% |
| Cambridge, MD (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $7,618 | 5.04% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $9,415 | 4.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $9,385 | 4.56% |
| SYRACUSE, NY (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $5,833 | 4.73% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $6,609 | 3.72% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $8,207 | 4.52% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 8 | $1,460,000 | $182,500 | $6,950 | 5.17% |
| Washington, NC (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $6,900 | 4.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $8,813 | 4.62% |
| Danville, VA (FHA|USDA|VA) | 9 | $1,375,000 | $152,778 | $5,380 | 5.32% |
| GAINESVILLE, GA (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $9,693 | 4.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $9,986 | 4.97% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $5,797 | 4.85% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $7,012 | 4.97% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $6,686 | 4.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $8,285 | 5.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $11,074 | 5.84% |
| TULSA, OK (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $9,837 | 3.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $7,476 | 4.38% |
| Okeechobee, FL (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $10,349 | 4.35% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $10,410 | 3.62% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $8,401 | 5.47% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $8,819 | 4.19% |
| BEND, OR (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $13,176 | 2.93% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $4,826 | 4.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $4,032 | 4.54% |
| DECATUR, AL (FHA|USDA|VA) | 7 | $1,145,000 | $163,571 | $7,550 | 5.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $10,665 | 4.21% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $7,077 | 5.37% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $9,688 | 4.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $4,671 | 5.77% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $10,521 | 5.16% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $10,163 | 6.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $7,504 | 4.83% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $5,778 | 4.09% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $9,297 | 4.25% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $7,468 | 4.31% |
| Martinsville, VA (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $6,135 | 5.62% |
| Hailey, ID (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $5,512 | 3.50% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $4,798 | 4.31% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $7,968 | 4.58% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $6,819 | 4.46% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $7,410 | 4.58% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,561 | 5.58% |
| Red Wing, MN (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $6,345 | 4.47% |
| Outside of Metro Areas | 3 | $925,000 | $308,333 | $9,612 | 4.29% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $8,180 | 4.46% |
| JACKSON, MS (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $5,295 | 5.15% |
| LANCASTER, PA (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $8,114 | 4.90% |
| Marion, NC (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $0 | 6.63% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $6,905 | 5.15% |
| TYLER, TX (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $8,045 | 7.38% |
| Concord, NH (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $6,233 | 4.96% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $5,298 | 5.85% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,946 | 4.94% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $8,951 | 5.87% |
| DULUTH, MN-WI (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $6,684 | 4.33% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $6,687 | 4.90% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $5,263 | 4.17% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $7,082 | 4.83% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $6,067 | 5.21% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $8,091 | 4.42% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $8,098 | 3.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $10,498 | 3.79% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $15,345 | 3.87% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $4,836 | 4.17% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $10,941 | 4.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,789 | 5.87% |
| SALEM, OR (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $14,350 | 3.99% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $8,470 | 4.50% |
| Adrian, MI (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,948 | 4.33% |
| Bennington, VT (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,901 | 4.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,887 | 5.33% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $10,604 | 4.69% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,605 | 4.68% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $8,368 | 5.71% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,463 | 6.21% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,174 | 2.38% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $11,963 | 3.99% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,800 | 3.79% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,817 | 3.93% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,752 | 4.66% |
| Selinsgrove, PA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $9,037 | 3.58% |
| GLENS FALLS, NY (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,484 | 3.93% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $11,463 | 4.49% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $9,327 | 4.29% |
| Fairmont, WV (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,144 | 3.43% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $9,282 | 4.94% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,973 | 3.25% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $10,765 | 5.37% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,245 | 5.56% |
| Lewisburg, TN (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,723 | 4.31% |
| Laconia, NH (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,094 | 5.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,290 | 3.49% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,051 | 4.69% |
| Sayre, PA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,416 | 4.44% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,776 | 6.00% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,395 | 5.63% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $9,788 | 5.06% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,549 | 4.31% |
| Sunbury, PA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $8,435 | 4.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $17,090 | 4.38% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,928 | 5.49% |
| Albertville, AL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,101 | 5.12% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $5,315 | 4.88% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $13,296 | 7.13% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,576 | 2.75% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,012 | 3.63% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $9,394 | 3.31% |
| BECKLEY, WV (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,420 | 4.50% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,016 | 5.13% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,751 | 5.75% |
| MONROE, LA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,821 | 5.87% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $9,001 | 5.99% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,793 | 5.75% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,607 | 4.56% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,188 | 4.75% |
| Lake City, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $7,051 | 4.38% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,099 | 5.44% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,520 | 5.75% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $8,352 | 5.38% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,426 | 4.88% |
| Mason City, IA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $10,959 | 6.13% |
| ERIE, PA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $6,646 | 4.92% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $12,913 | 4.63% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $16,015 | 3.88% |
| UTICA-ROME, NY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,260 | 4.87% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,699 | 5.49% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,454 | 4.81% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,005 | 1.99% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,438 | 5.38% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,740 | 4.43% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $8,853 | 5.75% |
| ROCKFORD, IL (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $6,180 | 4.93% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,621 | 3.69% |
| Marshalltown, IA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,023 | 4.87% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $13,508 | 3.75% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $9,625 | 2.38% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $9,046 | 5.75% |
| Brenham, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,716 | 6.38% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,092 | 5.99% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,063 | 3.88% |
| AKRON, OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,110 | 5.37% |
| Greenville, MS (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,721 | 5.75% |
| Guymon, OK (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,201 | 3.12% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,898 | 6.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $6,004 | 5.67% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,183 | 3.49% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,702 | 4.37% |
| Bluefield, WV-VA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,532 | 4.19% |
| PINE BLUFF, AR (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,016 | 5.25% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,860 | 5.00% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,469 | 3.63% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,732 | 3.63% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,617 | 5.25% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,541 | 4.81% |
| Douglas, GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,973 | 5.87% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $15,724 | 3.63% |
| Crossville, TN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,182 | 6.62% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,057 | 5.81% |
| Warsaw, IN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $8,049 | 4.37% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,565 | 4.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,358 | 5.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,254 | 2.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,369 | 4.63% |
| Bluffton, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,450 | 4.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,147 | 6.00% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,578 | 2.88% |
| Berlin, NH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $15,706 | 5.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,762 | 3.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,779 | 3.38% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,154 | 2.99% |
| Andrews, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,771 | 4.88% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,498 | 4.49% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,518 | 4.38% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,366 | 4.68% |
| Palatka, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,564 | 4.93% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,060 | 5.13% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,895 | 3.38% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,640 | 3.99% |
| Gillette, WY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,729 | 6.13% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,133 | 3.88% |
| Bardstown, KY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,602 | 4.75% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,699 | 4.75% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,061 | 3.99% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,753 | 4.13% |
| BINGHAMTON, NY (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $8,385 | 5.00% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,191 | 6.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,293 | 3.38% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,646 | 3.25% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,511 | 2.75% |
| Barre, VT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,531 | 4.75% |
| Ruston, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,566 | 4.25% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,085 | 3.25% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,422 | 3.38% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,613 | 5.50% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,404 | 5.75% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 7.88% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,557 | 3.75% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,403 | 3.49% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,823 | 5.88% |
| Olean, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,727 | 4.99% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,714 | 5.75% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,431 | 3.99% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,279 | 5.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,379 | 5.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,395 | 6.19% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,436 | 5.75% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,188 | 4.49% |
| Paris, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,483 | 5.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,951 | 6.25% |
| Roswell, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,512 | 6.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,382 | 3.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,946 | 6.49% |
| Greenville, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,813 | 3.75% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,152 | 4.50% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,879 | 5.49% |
| FLINT, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,870 | 3.88% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,239 | 5.75% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,588 | 5.49% |
| Laurel, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,567 | 3.75% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,040 | 3.38% |
| Hays, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,333 | 3.99% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,857 | 3.75% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,697 | 5.75% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,956 | 5.75% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,345 | 6.99% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,710 | 5.75% |
| Meridian, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,975 | 3.13% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,861 | 3.38% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,526 | 5.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,833 | 5.49% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,164 | 3.88% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,773 | 4.63% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,796 | 5.25% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,307 | 6.63% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,748 | 3.25% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,517 | 6.13% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,211 | 5.99% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,216 | 4.99% |
| Alice, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,160 | 5.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.63% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,675 | 7.25% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,276 | 5.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,521 | 3.50% |
| Lexington, NE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,754 | 4.13% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,815 | 5.25% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,492 | 4.38% |
| Sonora, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,347 | 4.75% |
| Marshall, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,905 | 3.38% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,987 | 5.75% |
| Farmington, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,124 | 6.13% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,043 | 5.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,435 | 3.75% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,529 | 5.13% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,706 | 5.99% |
| Decatur, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,337 | 5.99% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,036 | 5.88% |
| RACINE, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,615 | 4.13% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,117 | 3.00% |
| Kinston, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,345 | 5.75% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,690 | 6.75% |
| New Castle, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,993 | 5.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,242 | 3.49% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,994 | 6.88% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,821 | 3.50% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,001 | 4.13% |
| ENID, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,393 | 3.75% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,020 | 5.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,885 | 3.99% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,914 | 4.99% |
| Rockport, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,100 | 6.13% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,231 | 5.13% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,531 | 5.13% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,594 | 5.75% |
| Newport, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,358 | 5.25% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,085 | 5.75% |
| Jennings, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,505 | 7.25% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.88% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,734 | 5.75% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,687 | 5.50% |
| Minden, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,802 | 4.25% |
| Bay City, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,538 | 5.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,126 | 4.75% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,515 | 4.38% |
| Central City, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,545 | 6.13% |
| Logansport, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,534 | 7.75% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,812 | 5.75% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,338 | 5.25% |
| Atmore, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,246 | 4.63% |
| Shelby, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,532 | 5.75% |
| St. Marys, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,348 | 5.88% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,260 | 5.75% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,977 | 3.88% |
| Cortland, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.63% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,652 | 5.13% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,948 | 5.25% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,544 | 5.75% |
| Wilson, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,768 | 5.13% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,649 | 3.38% |
| Oxford, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,324 | 5.75% |
| Raymondville, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,505 | 5.88% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,206 | 4.99% |
| Indiana, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,745 | 5.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,888 | 3.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,890 | 5.75% |
| Jasper, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,601 | 5.75% |
| Centralia, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,264 | 5.25% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $4,171 | 4.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against EMBRACE HOME LOANS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Cedar Point Federal Credit Union
Similarity Rank: 86
Similarity Rank: 86
MAINE HIGHLANDS FEDERAL CREDIT UNION
Similarity Rank: 138
Similarity Rank: 138
Maine Savings Federal Credit Union
Similarity Rank: 144
Similarity Rank: 144
Kennebec Savings Bank
Similarity Rank: 145
Similarity Rank: 145
University Credit Union
Similarity Rank: 150
Similarity Rank: 150
First National Bank
Similarity Rank: 175
Similarity Rank: 175
FREEDOM FIRST
Similarity Rank: 230
Similarity Rank: 230
CUSO MORTGAGE CORPORATION
Similarity Rank: 235
Similarity Rank: 235
Sharon & Crescent United Credit Union
Similarity Rank: 268
Similarity Rank: 268
Machias Savings Bank
Similarity Rank: 360
Similarity Rank: 360
Product Mix
For 2022, Embrace Home Loans's most frequently originated type of loan was Conventional, with 6,507 originations. Their 2nd most popular type was FHA, with 1,854 originations.
Loan Reason
For 2022, Embrace Home Loans's most frequently cited loan purpose was Home Purchase, with 6,638 originations. The 2nd most popular reason was Cash Out Refi, with 1,972 originations.
Loan Duration/Length
For 2022, Embrace Home Loans's most frequently cited loan duration was 30 Year, with 8,493 originations. The 2nd most popular length was 15 Year, with 552 originations.
Origination Fees/Closing Costs
Embrace Home Loans's average total fees were $8,245, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,431 originations.
Interest Rates
During 2022, Embrace Home Loans's average interest rate for loans was 4.85%, while their most frequently originated rate bucket for loans was 5-6%, with 2,823 originations.
Loan Sizing
2022 saw Embrace Home Loans place emphasis on $200k-400k loans with 3,889 originations, totaling $1,142,925,000 in origination value.
Applicant Income
Embrace Home Loans lent most frequently to those with incomes in the $100k-150k range, with 2,287 originations. The second most popular income band? $150k-250k, with 1,969 originations.
Applicant Debt to Income Ratio
Embrace Home Loans lent most frequently to those with DTI ratios of 30-36%, with 1,587 originations. The next most common DTI ratio? 20-30%, with 1,485 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.23%
Embrace Home Loans has a below average approval rate.
Pick Rate
Approvals leading to origination64.03%
Embrace Home Loans 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 | 9,249 | $3,605,855,000 | $389,864 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 9,249 | $3,605,855,000 | $389,864 |