Embrace Home Loans Mortgage Rates, Fees & Info
MIDDLETOWN, RILEI: 213800QUAI2VH5YM6310
Tax ID: 05-0402708
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Mortgage Data
Review & Overview
Embrace Home Loans is a mid-sized mortgage company specializing in Home Purchase and Refi 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: Washington, New York, Baltimore, Boston, and Salisbury among others. We have data for 480 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. 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 in 2021-- chances are they are still one in 2022.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.57% | 8/9/22 |
| 30 Year Conventional Refi | 5.53% | 8/9/22 |
| 30 Year Cash-out Refi | 5.77% | 8/9/22 |
| 30 Year FHA Purchase | 6.44% | 8/9/22 |
| 30 Year FHA Refi | 6.18% | 8/9/22 |
| 30 Year VA Purchase | 5.17% | 8/9/22 |
| 30 Year VA Refi | 4.85% | 8/9/22 |
| 30 Year USDA Purchase | 5.79% | 8/9/22 |
| 30 Year USDA Refi | 5.62% | 8/9/22 |
| 15 Year Conventional Purchase | 4.54% | 8/9/22 |
| 15 Year Conventional Refi | 4.54% | 8/9/22 |
| 15 Year Cash-out Refi | 4.54% | 8/9/22 |
| 15 Year FHA Purchase | 6.12% | 8/9/22 |
| 15 Year FHA Refi | 5.63% | 8/9/22 |
| 15 Year VA Purchase | 4.56% | 8/9/22 |
| 15 Year VA Refi | 4.50% | 8/9/22 |
| 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. | ||
Originations
17,591Origination Dollar Volume (All Markets)
$5,802,615,000Awards
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EMBRACE HOME LOANS - 2021
EMBRACE HOME LOANS is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Embrace Home Loans 's average 30 year fixed rate mortgage of loans were
3.04%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.11%.
Relative Fees
Embrace Home Loans 's average total fees for a 30 year fixed rate
mortgage are $5,732.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $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 |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » | 3,351 | $1,454,415,000 | $434,024 | $6,061 | 2.91% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » | 1,976 | $885,260,000 | $448,006 | $6,164 | 2.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » | 747 | $261,095,000 | $349,525 | $5,848 | 3.01% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) » | 659 | $245,985,000 | $373,270 | $4,829 | 2.94% |
| SALISBURY, MD-DE (FHA|USDA|VA) » | 660 | $184,080,000 | $278,909 | $5,526 | 3.12% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) » | 585 | $181,595,000 | $310,419 | $5,292 | 2.93% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » | 544 | $152,560,000 | $280,441 | $5,610 | 2.99% |
| LYNCHBURG, VA (FHA|USDA|VA) » | 629 | $128,745,000 | $204,682 | $4,659 | 3.00% |
| Outside of Metro Areas | 466 | $112,660,000 | $241,760 | $5,129 | 3.05% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » | 319 | $81,205,000 | $254,561 | $5,598 | 3.09% |
| MOBILE, AL (FHA|USDA|VA) » | 426 | $78,800,000 | $184,977 | $5,242 | 3.22% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » | 256 | $77,750,000 | $303,711 | $5,596 | 3.08% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) » | 324 | $75,380,000 | $232,654 | $5,092 | 2.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » | 141 | $74,665,000 | $529,539 | $6,336 | 2.80% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) » | 216 | $68,850,000 | $318,750 | $3,924 | 3.00% |
| ROANOKE, VA (FHA|USDA|VA) » | 297 | $60,995,000 | $205,370 | $4,545 | 3.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) » | 191 | $60,955,000 | $319,136 | $3,915 | 3.07% |
| DOVER, DE (FHA|USDA|VA) » | 226 | $59,040,000 | $261,239 | $6,223 | 3.06% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) » | 211 | $51,735,000 | $245,190 | $5,224 | 3.03% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) » | 217 | $51,035,000 | $235,184 | $4,240 | 3.06% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » | 180 | $49,510,000 | $275,056 | $6,028 | 3.04% |
| RICHMOND, VA (FHA|USDA|VA) » | 177 | $47,065,000 | $265,904 | $5,278 | 3.07% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » | 129 | $43,855,000 | $339,961 | $5,638 | 2.93% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » | 132 | $40,750,000 | $308,712 | $5,636 | 3.02% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » | 171 | $37,675,000 | $220,322 | $6,251 | 3.08% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » | 69 | $34,285,000 | $496,884 | $4,976 | 2.70% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » | 126 | $33,930,000 | $269,286 | $5,181 | 2.97% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » | 95 | $29,475,000 | $310,263 | $5,236 | 2.94% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » | 100 | $29,260,000 | $292,600 | $4,128 | 2.94% |
| JACKSONVILLE, FL (FHA|USDA|VA) » | 97 | $27,485,000 | $283,351 | $5,687 | 3.01% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » | 80 | $26,470,000 | $330,875 | $4,633 | 3.05% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » | 61 | $25,635,000 | $420,246 | $5,102 | 2.73% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » | 97 | $25,435,000 | $262,216 | $4,602 | 3.01% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » | 65 | $25,205,000 | $387,769 | $6,259 | 2.86% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » | 60 | $24,400,000 | $406,667 | $3,148 | 2.78% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » | 82 | $23,160,000 | $282,439 | $4,578 | 2.94% |
| WORCESTER, MA-CT (FHA|USDA|VA) » | 74 | $22,430,000 | $303,108 | $5,420 | 2.94% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » | 57 | $21,155,000 | $371,140 | $5,135 | 2.89% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » | 39 | $21,015,000 | $538,846 | $4,849 | 2.86% |
| SPRINGFIELD, MA (FHA|USDA|VA) » | 81 | $20,555,000 | $253,765 | $5,276 | 3.11% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » | 99 | $20,225,000 | $204,293 | $5,812 | 3.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » | 61 | $20,145,000 | $330,246 | $4,943 | 2.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » | 46 | $17,990,000 | $391,087 | $6,264 | 2.79% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) » | 46 | $17,860,000 | $388,261 | $4,542 | 3.08% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » | 65 | $17,065,000 | $262,538 | $5,653 | 2.97% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » | 70 | $16,810,000 | $240,143 | $5,146 | 3.01% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » | 59 | $15,335,000 | $259,915 | $4,781 | 2.94% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » | 40 | $14,970,000 | $374,250 | $5,366 | 2.89% |
| RALEIGH-CARY, NC (FHA|USDA|VA) » | 48 | $14,100,000 | $293,750 | $3,894 | 3.00% |
| WINCHESTER, VA-WV (FHA|USDA|VA) » | 44 | $14,090,000 | $320,227 | $5,352 | 2.84% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » | 57 | $13,915,000 | $244,123 | $4,970 | 3.17% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » | 53 | $12,455,000 | $235,000 | $4,174 | 3.09% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » | 21 | $11,545,000 | $549,762 | $6,521 | 2.74% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) » | 29 | $10,055,000 | $346,724 | $4,695 | 3.08% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) » | 28 | $9,720,000 | $347,143 | $4,423 | 3.03% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » | 40 | $9,650,000 | $241,250 | $3,973 | 2.98% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) » | 39 | $9,495,000 | $243,462 | $5,525 | 3.14% |
| COLUMBUS, OH (FHA|USDA|VA) » | 36 | $9,180,000 | $255,000 | $3,437 | 2.92% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) » | 25 | $9,175,000 | $367,000 | $5,533 | 2.76% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) » | 29 | $9,145,000 | $315,345 | $5,841 | 3.13% |
| Lebanon, NH-VT (FHA|USDA|VA) » | 40 | $9,110,000 | $227,750 | $4,557 | 3.26% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » | 22 | $9,060,000 | $411,818 | $5,855 | 2.93% |
| PITTSBURGH, PA (FHA|USDA|VA) » | 34 | $8,450,000 | $248,529 | $6,110 | 3.15% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » | 30 | $8,000,000 | $266,667 | $4,082 | 2.94% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » | 17 | $7,525,000 | $442,647 | $6,749 | 2.87% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) » | 25 | $7,385,000 | $295,400 | $4,763 | 2.90% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) » | 32 | $7,350,000 | $229,688 | $4,308 | 2.86% |
| OCEAN CITY, NJ (FHA|USDA|VA) » | 16 | $7,120,000 | $445,000 | $4,733 | 3.13% |
| Keene, NH (FHA|USDA|VA) » | 28 | $7,090,000 | $253,214 | $4,254 | 3.29% |
| Concord, NH (FHA|USDA|VA) » | 24 | $7,000,000 | $291,667 | $3,773 | 3.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » | 23 | $6,895,000 | $299,783 | $4,690 | 2.99% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) » | 29 | $6,785,000 | $233,966 | $4,494 | 2.93% |
| BOISE CITY, ID (FHA|USDA|VA) » | 19 | $6,665,000 | $350,789 | $6,073 | 2.98% |
| BANGOR, ME (FHA|USDA|VA) » | 35 | $6,595,000 | $188,429 | $5,534 | 3.05% |
| Augusta-Waterville, ME (FHA|USDA|VA) » | 30 | $6,550,000 | $218,333 | $4,450 | 2.99% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » | 26 | $6,380,000 | $245,385 | $5,359 | 2.91% |
| YORK-HANOVER, PA (FHA|USDA|VA) » | 23 | $6,195,000 | $269,348 | $6,797 | 2.99% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » | 23 | $6,135,000 | $266,739 | $4,982 | 2.95% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) » | 24 | $6,110,000 | $254,583 | $5,948 | 3.11% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) » | 23 | $6,075,000 | $264,130 | $5,191 | 2.96% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » | 23 | $6,015,000 | $261,522 | $5,078 | 2.86% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) » | 19 | $5,935,000 | $312,368 | $5,139 | 3.11% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » | 23 | $5,785,000 | $251,522 | $4,775 | 2.92% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) » | 19 | $5,765,000 | $303,421 | $4,355 | 2.89% |
| Laconia, NH (FHA|USDA|VA) » | 17 | $5,525,000 | $325,000 | $4,559 | 3.13% |
| ASHEVILLE, NC (FHA|USDA|VA) » | 23 | $5,405,000 | $235,000 | $3,927 | 2.94% |
| TUCSON, AZ (FHA|USDA|VA) » | 22 | $5,390,000 | $245,000 | $4,650 | 2.82% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) » | 21 | $5,015,000 | $238,810 | $5,583 | 2.97% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » | 22 | $5,000,000 | $227,273 | $5,471 | 2.89% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » | 7 | $4,825,000 | $689,286 | $9,401 | 2.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » | 17 | $4,795,000 | $282,059 | $6,877 | 3.01% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) » | 21 | $4,775,000 | $227,381 | $6,081 | 3.03% |
| HUNTSVILLE, AL (FHA|USDA|VA) » | 17 | $4,595,000 | $270,294 | $4,545 | 2.90% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » | 14 | $4,570,000 | $326,429 | $4,258 | 2.89% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » | 11 | $4,565,000 | $415,000 | $5,797 | 2.82% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) » | 13 | $4,545,000 | $349,615 | $5,859 | 3.03% |
| READING, PA (FHA|USDA|VA) » | 19 | $4,515,000 | $237,632 | $6,052 | 3.02% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » | 10 | $4,370,000 | $437,000 | $6,282 | 3.06% |
| VALLEJO, CA (FHA|USDA|VA) » | 13 | $4,285,000 | $329,615 | $4,333 | 2.93% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) » | 17 | $4,255,000 | $250,294 | $6,605 | 3.10% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) » | 18 | $4,220,000 | $234,444 | $5,318 | 3.06% |
| GETTYSBURG, PA (FHA|USDA|VA) » | 17 | $4,215,000 | $247,941 | $5,972 | 3.01% |
| STOCKTON, CA (FHA|USDA|VA) » | 11 | $4,195,000 | $381,364 | $7,739 | 2.86% |
| Easton, MD (FHA|USDA|VA) » | 11 | $4,185,000 | $380,455 | $6,045 | 2.91% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » | 16 | $4,180,000 | $261,250 | $5,320 | 2.97% |
| GREELEY, CO (FHA|USDA|VA) » | 12 | $3,630,000 | $302,500 | $4,294 | 2.89% |
| SALT LAKE CITY, UT (FHA|USDA|VA) » | 12 | $3,610,000 | $300,833 | $4,796 | 3.21% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » | 17 | $3,565,000 | $209,706 | $3,734 | 2.85% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) » | 19 | $3,545,000 | $186,579 | $3,647 | 3.24% |
| BATON ROUGE, LA (FHA|USDA|VA) » | 14 | $3,410,000 | $243,571 | $6,685 | 2.87% |
| Torrington, CT (FHA|USDA|VA) » | 15 | $3,265,000 | $217,667 | $4,969 | 2.64% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » | 12 | $3,210,000 | $267,500 | $5,069 | 2.84% |
| FRESNO, CA (FHA|USDA|VA) » | 12 | $3,180,000 | $265,000 | $4,278 | 2.97% |
| LANCASTER, PA (FHA|USDA|VA) » | 13 | $3,165,000 | $243,462 | $6,181 | 2.98% |
| OCALA, FL (FHA|USDA|VA) » | 16 | $3,100,000 | $193,750 | $5,493 | 3.04% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » | 13 | $3,065,000 | $235,769 | $3,707 | 3.22% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) » | 6 | $3,060,000 | $510,000 | $3,651 | 2.66% |
| ALBUQUERQUE, NM (FHA|USDA|VA) » | 14 | $3,060,000 | $218,571 | $5,355 | 2.79% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) » | 11 | $2,965,000 | $269,545 | $5,222 | 3.07% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) » | 14 | $2,960,000 | $211,429 | $6,310 | 2.90% |
| STAUNTON, VA (FHA|USDA|VA) » | 12 | $2,910,000 | $242,500 | $4,618 | 2.73% |
| WINSTON-SALEM, NC (FHA|USDA|VA) » | 14 | $2,880,000 | $205,714 | $3,367 | 2.98% |
| GAINESVILLE, FL (FHA|USDA|VA) » | 12 | $2,880,000 | $240,000 | $6,231 | 2.87% |
| COLUMBIA, SC (FHA|USDA|VA) » | 13 | $2,865,000 | $220,385 | $3,904 | 2.82% |
| Kill Devil Hills, NC (FHA|USDA|VA) » | 6 | $2,850,000 | $475,000 | $4,246 | 3.35% |
| Danville, VA (FHA|USDA|VA) » | 18 | $2,850,000 | $158,333 | $4,512 | 3.04% |
| SALINAS, CA (FHA|USDA|VA) » | 5 | $2,805,000 | $561,000 | $3,853 | 2.48% |
| KNOXVILLE, TN (FHA|USDA|VA) » | 12 | $2,780,000 | $231,667 | $6,636 | 2.99% |
| WILMINGTON, NC (FHA|USDA|VA) » | 11 | $2,755,000 | $250,455 | $3,473 | 2.94% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » | 14 | $2,750,000 | $196,429 | $4,643 | 2.98% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » | 11 | $2,685,000 | $244,091 | $4,923 | 2.69% |
| RENO, NV (FHA|USDA|VA) » | 7 | $2,675,000 | $382,143 | $3,937 | 2.82% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » | 10 | $2,620,000 | $262,000 | $4,937 | 2.86% |
| JACKSON, MS (FHA|USDA|VA) » | 10 | $2,610,000 | $261,000 | $4,159 | 3.10% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » | 9 | $2,605,000 | $289,444 | $6,021 | 2.94% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » | 10 | $2,500,000 | $250,000 | $4,899 | 3.07% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » | 12 | $2,450,000 | $204,167 | $4,408 | 2.77% |
| THE VILLAGES, FL (FHA|USDA|VA) » | 9 | $2,395,000 | $266,111 | $4,488 | 2.82% |
| TULSA, OK (FHA|USDA|VA) » | 12 | $2,270,000 | $189,167 | $3,778 | 2.84% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » | 5 | $2,235,000 | $447,000 | $5,408 | 2.82% |
| Outside of Metro Areas | 6 | $2,220,000 | $370,000 | $5,949 | 3.08% |
| ROCHESTER, NY (FHA|USDA|VA) » | 8 | $2,210,000 | $276,250 | $5,304 | 2.86% |
| FAYETTEVILLE, NC (FHA|USDA|VA) » | 11 | $2,155,000 | $195,909 | $5,656 | 3.08% |
| HARRISONBURG, VA (FHA|USDA|VA) » | 8 | $2,110,000 | $263,750 | $5,455 | 2.91% |
| SANTA FE, NM (FHA|USDA|VA) » | 6 | $2,100,000 | $350,000 | $5,049 | 2.93% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) » | 5 | $2,085,000 | $417,000 | $5,786 | 2.70% |
| Vineyard Haven, MA (FHA|USDA|VA) » | 4 | $2,080,000 | $520,000 | $3,987 | 2.59% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » | 5 | $2,075,000 | $415,000 | $4,504 | 2.80% |
| Brainerd, MN (FHA|USDA|VA) » | 5 | $2,075,000 | $415,000 | $4,866 | 2.60% |
| MADISON, WI (FHA|USDA|VA) » | 6 | $2,010,000 | $335,000 | $5,658 | 2.88% |
| Cambridge, MD (FHA|USDA|VA) » | 10 | $2,010,000 | $201,000 | $6,239 | 3.20% |
| PUNTA GORDA, FL (FHA|USDA|VA) » | 8 | $2,000,000 | $250,000 | $6,092 | 3.14% |
| TALLAHASSEE, FL (FHA|USDA|VA) » | 7 | $1,955,000 | $279,286 | $6,183 | 3.03% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » | 5 | $1,955,000 | $391,000 | $3,259 | 2.65% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » | 9 | $1,915,000 | $212,778 | $4,457 | 3.14% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) » | 6 | $1,880,000 | $313,333 | $11,100 | 2.54% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » | 9 | $1,875,000 | $208,333 | $4,129 | 3.00% |
| SAVANNAH, GA (FHA|USDA|VA) » | 8 | $1,820,000 | $227,500 | $3,705 | 3.13% |
| Hudson, NY (FHA|USDA|VA) » | 4 | $1,820,000 | $455,000 | $6,162 | 2.94% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) » | 9 | $1,785,000 | $198,333 | $5,418 | 3.15% |
| PROVO-OREM, UT (FHA|USDA|VA) » | 6 | $1,770,000 | $295,000 | $4,906 | 3.08% |
| FLAGSTAFF, AZ (FHA|USDA|VA) » | 4 | $1,760,000 | $440,000 | $4,307 | 3.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) » | 7 | $1,745,000 | $249,286 | $5,133 | 2.82% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) » | 7 | $1,735,000 | $247,857 | $7,432 | 3.00% |
| RACINE, WI (FHA|USDA|VA) » | 6 | $1,720,000 | $286,667 | $5,444 | 2.89% |
| FORT WAYNE, IN (FHA|USDA|VA) » | 6 | $1,720,000 | $286,667 | $6,830 | 2.98% |
| Port Angeles, WA (FHA|USDA|VA) » | 5 | $1,715,000 | $343,000 | $3,274 | 3.08% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) » | 8 | $1,650,000 | $206,250 | $4,207 | 3.00% |
| BEND, OR (FHA|USDA|VA) » | 5 | $1,645,000 | $329,000 | $4,105 | 2.93% |
| FORT COLLINS, CO (FHA|USDA|VA) » | 4 | $1,550,000 | $387,500 | $3,523 | 2.87% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » | 7 | $1,545,000 | $220,714 | $2,997 | 3.14% |
| PITTSFIELD, MA (FHA|USDA|VA) » | 7 | $1,445,000 | $206,429 | $5,171 | 2.86% |
| Key West, FL (FHA|USDA|VA) » | 4 | $1,410,000 | $352,500 | $4,116 | 2.62% |
| SPARTANBURG, SC (FHA|USDA|VA) » | 6 | $1,400,000 | $233,333 | $6,114 | 3.01% |
| SYRACUSE, NY (FHA|USDA|VA) » | 7 | $1,335,000 | $190,714 | $5,016 | 3.23% |
| KINGSTON, NY (FHA|USDA|VA) » | 4 | $1,320,000 | $330,000 | $3,921 | 2.94% |
| ROCHESTER, MN (FHA|USDA|VA) » | 3 | $1,275,000 | $425,000 | $6,055 | 2.83% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) » | 5 | $1,275,000 | $255,000 | $3,963 | 2.87% |
| SALEM, OR (FHA|USDA|VA) » | 4 | $1,270,000 | $317,500 | $7,699 | 3.09% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) » | 6 | $1,260,000 | $210,000 | $5,158 | 2.71% |
| BAKERSFIELD, CA (FHA|USDA|VA) » | 6 | $1,250,000 | $208,333 | $5,117 | 3.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) » | 2 | $1,240,000 | $620,000 | $8,419 | 2.63% |
| MODESTO, CA (FHA|USDA|VA) » | 5 | $1,225,000 | $245,000 | $4,801 | 2.60% |
| COLUMBUS, GA-AL (FHA|USDA|VA) » | 5 | $1,215,000 | $243,000 | $3,486 | 2.75% |
| VISALIA, CA (FHA|USDA|VA) » | 5 | $1,195,000 | $239,000 | $6,753 | 2.85% |
| Oak Harbor, WA (FHA|USDA|VA) » | 3 | $1,185,000 | $395,000 | $1,838 | 3.29% |
| UTICA-ROME, NY (FHA|USDA|VA) » | 5 | $1,185,000 | $237,000 | $5,276 | 3.07% |
| Bluefield, WV-VA (FHA|USDA|VA) » | 6 | $1,180,000 | $196,667 | $5,718 | 3.33% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) » | 5 | $1,175,000 | $235,000 | $3,187 | 3.10% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) » | 6 | $1,160,000 | $193,333 | $3,705 | 3.12% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » | 5 | $1,155,000 | $231,000 | $9,370 | 3.10% |
| GREEN BAY, WI (FHA|USDA|VA) » | 6 | $1,150,000 | $191,667 | $2,581 | 2.48% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) » | 7 | $1,135,000 | $162,143 | $2,803 | 3.14% |
| URBAN HONOLULU, HI (FHA|USDA|VA) » | 2 | $1,120,000 | $560,000 | $7,100 | 2.81% |
| LAFAYETTE, LA (FHA|USDA|VA) » | 4 | $1,110,000 | $277,500 | $5,723 | 2.87% |
| GLENS FALLS, NY (FHA|USDA|VA) » | 5 | $1,095,000 | $219,000 | $5,511 | 2.75% |
| BOULDER, CO (FHA|USDA|VA) » | 2 | $1,080,000 | $540,000 | $3,367 | 2.94% |
| SPRINGFIELD, MO (FHA|USDA|VA) » | 5 | $1,075,000 | $215,000 | $4,640 | 2.93% |
| PUEBLO, CO (FHA|USDA|VA) » | 4 | $1,070,000 | $267,500 | $4,297 | 3.12% |
| POCATELLO, ID (FHA|USDA|VA) » | 4 | $1,070,000 | $267,500 | $6,916 | 3.06% |
| ANN ARBOR, MI (FHA|USDA|VA) » | 5 | $1,045,000 | $209,000 | $3,980 | 3.28% |
| Elizabeth City, NC (FHA|USDA|VA) » | 4 | $1,040,000 | $260,000 | $5,431 | 2.81% |
| APPLETON, WI (FHA|USDA|VA) » | 5 | $1,035,000 | $207,000 | $4,984 | 2.95% |
| Roanoke Rapids, NC (FHA|USDA|VA) » | 3 | $1,025,000 | $341,667 | $8,696 | 2.29% |
| NEW BERN, NC (FHA|USDA|VA) » | 5 | $1,015,000 | $203,000 | $4,044 | 2.90% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) » | 5 | $1,015,000 | $203,000 | $7,983 | 2.90% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » | 4 | $1,000,000 | $250,000 | $1,823 | 2.90% |
| BELLINGHAM, WA (FHA|USDA|VA) » | 3 | $965,000 | $321,667 | $4,625 | 3.46% |
| ROCKFORD, IL (FHA|USDA|VA) » | 5 | $955,000 | $191,000 | $5,054 | 3.49% |
| Forest City, NC (FHA|USDA|VA) » | 2 | $950,000 | $475,000 | $4,697 | 2.99% |
| GREENVILLE, NC (FHA|USDA|VA) » | 5 | $945,000 | $189,000 | $5,041 | 2.70% |
| WACO, TX (FHA|USDA|VA) » | 4 | $940,000 | $235,000 | $4,275 | 2.72% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) » | 5 | $935,000 | $187,000 | $5,359 | 3.17% |
| GAINESVILLE, GA (FHA|USDA|VA) » | 4 | $930,000 | $232,500 | $4,927 | 3.28% |
| YUBA CITY, CA (FHA|USDA|VA) » | 2 | $930,000 | $465,000 | $7,993 | 3.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) » | 4 | $930,000 | $232,500 | $5,665 | 3.18% |
| Martinsville, VA (FHA|USDA|VA) » | 6 | $930,000 | $155,000 | $4,495 | 3.14% |
| GRANTS PASS, OR (FHA|USDA|VA) » | 2 | $930,000 | $465,000 | $17,156 | 2.94% |
| LAS CRUCES, NM (FHA|USDA|VA) » | 4 | $930,000 | $232,500 | $6,369 | 2.84% |
| MORGANTOWN, WV (FHA|USDA|VA) » | 5 | $915,000 | $183,000 | $6,915 | 3.50% |
| Seneca, SC (FHA|USDA|VA) » | 5 | $915,000 | $183,000 | $3,786 | 2.82% |
| LEBANON, PA (FHA|USDA|VA) » | 4 | $910,000 | $227,500 | $5,346 | 2.59% |
| ST. GEORGE, UT (FHA|USDA|VA) » | 2 | $900,000 | $450,000 | $5,424 | 3.00% |
| Sunbury, PA (FHA|USDA|VA) » | 4 | $900,000 | $225,000 | $6,574 | 3.06% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) » | 5 | $885,000 | $177,000 | $4,232 | 2.92% |
| CORVALLIS, OR (FHA|USDA|VA) » | 3 | $865,000 | $288,333 | $8,038 | 2.58% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » | 3 | $865,000 | $288,333 | $7,383 | 2.91% |
| NILES, MI (FHA|USDA|VA) » | 4 | $860,000 | $215,000 | $3,877 | 3.15% |
| Whitewater, WI (FHA|USDA|VA) » | 4 | $860,000 | $215,000 | $4,297 | 2.97% |
| IOWA CITY, IA (FHA|USDA|VA) » | 3 | $855,000 | $285,000 | $5,312 | 3.75% |
| Okeechobee, FL (FHA|USDA|VA) » | 6 | $850,000 | $141,667 | $3,923 | 3.25% |
| DOTHAN, AL (FHA|USDA|VA) » | 4 | $850,000 | $212,500 | $4,530 | 3.03% |
| Sevierville, TN (FHA|USDA|VA) » | 4 | $850,000 | $212,500 | $4,834 | 3.28% |
| MANHATTAN, KS (FHA|USDA|VA) » | 4 | $840,000 | $210,000 | $6,361 | 2.81% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) » | 3 | $835,000 | $278,333 | $7,782 | 3.08% |
| Richmond-Berea, KY (FHA|USDA|VA) » | 5 | $815,000 | $163,000 | $2,376 | 2.77% |
| DECATUR, AL (FHA|USDA|VA) » | 3 | $805,000 | $268,333 | $4,164 | 2.71% |
| ERIE, PA (FHA|USDA|VA) » | 3 | $805,000 | $268,333 | $9,581 | 2.50% |
| GOLDSBORO, NC (FHA|USDA|VA) » | 3 | $795,000 | $265,000 | $3,812 | 2.42% |
| WICHITA, KS (FHA|USDA|VA) » | 4 | $790,000 | $197,500 | $3,814 | 3.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) » | 3 | $785,000 | $261,667 | $6,007 | 2.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) » | 4 | $770,000 | $192,500 | $4,663 | 3.09% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) » | 2 | $760,000 | $380,000 | $4,730 | 2.81% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) » | 4 | $750,000 | $187,500 | $5,029 | 3.03% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » | 2 | $740,000 | $370,000 | $5,328 | 2.68% |
| Ashland, OH (FHA|USDA|VA) » | 3 | $715,000 | $238,333 | $2,675 | 2.92% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) » | 3 | $715,000 | $238,333 | $4,045 | 3.04% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) » | 2 | $710,000 | $355,000 | $3,340 | 2.69% |
| Clearlake, CA (FHA|USDA|VA) » | 3 | $705,000 | $235,000 | $6,787 | 2.83% |
| GRAND JUNCTION, CO (FHA|USDA|VA) » | 2 | $690,000 | $345,000 | $3,344 | 3.06% |
| Statesboro, GA (FHA|USDA|VA) » | 3 | $675,000 | $225,000 | $4,143 | 3.41% |
| Bennington, VT (FHA|USDA|VA) » | 2 | $670,000 | $335,000 | $5,240 | 3.06% |
| Huntsville, TX (FHA|USDA|VA) » | 1 | $665,000 | $665,000 | $6,639 | 2.63% |
| Edwards, CO (FHA|USDA|VA) » | 1 | $665,000 | $665,000 | $17,215 | 3.00% |
| IDAHO FALLS, ID (FHA|USDA|VA) » | 3 | $665,000 | $221,667 | $6,110 | 3.29% |
| Rutland, VT (FHA|USDA|VA) » | 4 | $660,000 | $165,000 | $5,427 | 3.37% |
| CHICO, CA (FHA|USDA|VA) » | 2 | $650,000 | $325,000 | $6,828 | 3.12% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) » | 3 | $645,000 | $215,000 | $4,716 | 2.75% |
| BINGHAMTON, NY (FHA|USDA|VA) » | 4 | $640,000 | $160,000 | $4,246 | 3.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) » | 2 | $620,000 | $310,000 | $4,397 | 2.62% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) » | 4 | $620,000 | $155,000 | $4,119 | 2.88% |
| EAU CLAIRE, WI (FHA|USDA|VA) » | 3 | $615,000 | $205,000 | $8,588 | 3.75% |
| EL PASO, TX (FHA|USDA|VA) » | 2 | $610,000 | $305,000 | $6,189 | 2.18% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » | 3 | $605,000 | $201,667 | $4,809 | 2.96% |
| Roseburg, OR (FHA|USDA|VA) » | 3 | $605,000 | $201,667 | $6,050 | 2.75% |
| Wooster, OH (FHA|USDA|VA) » | 2 | $600,000 | $300,000 | $5,636 | 4.31% |
| BURLINGTON, NC (FHA|USDA|VA) » | 4 | $590,000 | $147,500 | $3,706 | 3.13% |
| Plymouth, IN (FHA|USDA|VA) » | 3 | $575,000 | $191,667 | $3,959 | 3.04% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) » | 2 | $570,000 | $285,000 | $3,857 | 3.13% |
| BOWLING GREEN, KY (FHA|USDA|VA) » | 2 | $570,000 | $285,000 | $3,368 | 2.75% |
| PANAMA CITY, FL (FHA|USDA|VA) » | 2 | $570,000 | $285,000 | $8,507 | 3.13% |
| Traverse City, MI (FHA|USDA|VA) » | 3 | $565,000 | $188,333 | $4,313 | 3.08% |
| AMARILLO, TX (FHA|USDA|VA) » | 2 | $560,000 | $280,000 | $2,927 | 2.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) » | 2 | $560,000 | $280,000 | $3,229 | 2.56% |
| AKRON, OH (FHA|USDA|VA) » | 3 | $555,000 | $185,000 | $3,411 | 2.63% |
| EL CENTRO, CA (FHA|USDA|VA) » | 2 | $540,000 | $270,000 | $4,442 | 2.31% |
| STATE COLLEGE, PA (FHA|USDA|VA) » | 2 | $540,000 | $270,000 | $8,637 | 2.75% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) » | 3 | $535,000 | $178,333 | $2,897 | 3.12% |
| Ukiah, CA (FHA|USDA|VA) » | 2 | $530,000 | $265,000 | $3,888 | 2.81% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) » | 4 | $530,000 | $132,500 | $4,151 | 3.34% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) » | 3 | $525,000 | $175,000 | $3,200 | 2.87% |
| SHEBOYGAN, WI (FHA|USDA|VA) » | 2 | $520,000 | $260,000 | $6,604 | 3.62% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) » | 3 | $515,000 | $171,667 | $4,656 | 2.83% |
| Madisonville, KY (FHA|USDA|VA) » | 2 | $500,000 | $250,000 | $9,151 | 2.37% |
| ROME, GA (FHA|USDA|VA) » | 2 | $500,000 | $250,000 | $6,761 | 2.62% |
| Corsicana, TX (FHA|USDA|VA) » | 1 | $495,000 | $495,000 | $4,878 | 3.13% |
| Marshalltown, IA (FHA|USDA|VA) » | 2 | $490,000 | $245,000 | $8,239 | 2.81% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) » | 2 | $490,000 | $245,000 | $3,358 | 2.38% |
| MIDLAND, TX (FHA|USDA|VA) » | 2 | $490,000 | $245,000 | $3,427 | 2.63% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) » | 3 | $485,000 | $161,667 | $6,429 | 3.38% |
| Morehead City, NC (FHA|USDA|VA) » | 3 | $485,000 | $161,667 | $2,829 | 2.79% |
| Emporia, KS (FHA|USDA|VA) » | 1 | $485,000 | $485,000 | $13,293 | 2.50% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) » | 3 | $475,000 | $158,333 | $2,992 | 2.79% |
| Russellville, AR (FHA|USDA|VA) » | 2 | $470,000 | $235,000 | $2,855 | 4.31% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) » | 4 | $470,000 | $117,500 | $4,879 | 2.87% |
| BLOOMINGTON, IN (FHA|USDA|VA) » | 2 | $470,000 | $235,000 | $5,489 | 3.13% |
| Big Stone Gap, VA (FHA|USDA|VA) » | 3 | $465,000 | $155,000 | $2,696 | 2.50% |
| Somerset, PA (FHA|USDA|VA) » | 1 | $465,000 | $465,000 | $5,966 | 2.75% |
| Eureka-Arcata, CA (FHA|USDA|VA) » | 2 | $460,000 | $230,000 | $2,932 | 2.75% |
| LONGVIEW, WA (FHA|USDA|VA) » | 2 | $460,000 | $230,000 | $1,935 | 2.50% |
| Ottawa, IL (FHA|USDA|VA) » | 2 | $460,000 | $230,000 | $9,202 | 2.81% |
| Burley, ID (FHA|USDA|VA) » | 2 | $460,000 | $230,000 | $5,538 | 3.12% |
| ST. CLOUD, MN (FHA|USDA|VA) » | 2 | $450,000 | $225,000 | $5,908 | 2.87% |
| REDDING, CA (FHA|USDA|VA) » | 2 | $450,000 | $225,000 | $6,052 | 2.38% |
| Hood River, OR (FHA|USDA|VA) » | 2 | $450,000 | $225,000 | $4,599 | 2.68% |
| TUSCALOOSA, AL (FHA|USDA|VA) » | 2 | $450,000 | $225,000 | $7,611 | 2.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) » | 2 | $450,000 | $225,000 | $3,970 | 2.69% |
| Selinsgrove, PA (FHA|USDA|VA) » | 2 | $450,000 | $225,000 | $10,847 | 2.88% |
| MONROE, MI (FHA|USDA|VA) » | 3 | $435,000 | $145,000 | $5,059 | 2.96% |
| FLINT, MI (FHA|USDA|VA) » | 2 | $430,000 | $215,000 | $3,535 | 3.31% |
| Hannibal, MO (FHA|USDA|VA) » | 2 | $430,000 | $215,000 | $4,969 | 3.12% |
| Albertville, AL (FHA|USDA|VA) » | 1 | $425,000 | $425,000 | $3,648 | 2.63% |
| Crescent City, CA (FHA|USDA|VA) » | 2 | $420,000 | $210,000 | $8,712 | 2.88% |
| Lewisburg, PA (FHA|USDA|VA) » | 2 | $420,000 | $210,000 | $7,157 | 2.50% |
| Crossville, TN (FHA|USDA|VA) » | 1 | $405,000 | $405,000 | $3,790 | 3.13% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) » | 2 | $400,000 | $200,000 | $5,212 | 2.75% |
| FORT SMITH, AR-OK (FHA|USDA|VA) » | 2 | $400,000 | $200,000 | $3,293 | 2.94% |
| FOND DU LAC, WI (FHA|USDA|VA) » | 2 | $400,000 | $200,000 | $5,817 | 2.94% |
| Plattsburgh, NY (FHA|USDA|VA) » | 1 | $395,000 | $395,000 | $4,889 | 2.99% |
| Kinston, NC (FHA|USDA|VA) » | 2 | $390,000 | $195,000 | $3,147 | 3.94% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) » | 2 | $390,000 | $195,000 | $3,191 | 3.13% |
| AMES, IA (FHA|USDA|VA) » | 2 | $390,000 | $195,000 | $1,704 | 2.25% |
| Clarksburg, WV (FHA|USDA|VA) » | 2 | $390,000 | $195,000 | $8,446 | 3.56% |
| Lock Haven, PA (FHA|USDA|VA) » | 2 | $390,000 | $195,000 | $4,872 | 2.94% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) » | 1 | $385,000 | $385,000 | $6,441 | 3.38% |
| SPRINGFIELD, IL (FHA|USDA|VA) » | 2 | $370,000 | $185,000 | $3,284 | 2.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) » | 2 | $370,000 | $185,000 | $4,428 | 3.06% |
| Oneonta, NY (FHA|USDA|VA) » | 2 | $370,000 | $185,000 | $7,234 | 3.12% |
| Georgetown, SC (FHA|USDA|VA) » | 3 | $365,000 | $121,667 | $3,441 | 3.00% |
| Ruston, LA (FHA|USDA|VA) » | 1 | $365,000 | $365,000 | $4,357 | 2.99% |
| DULUTH, MN-WI (FHA|USDA|VA) » | 2 | $360,000 | $180,000 | $5,332 | 2.87% |
| Moses Lake, WA (FHA|USDA|VA) » | 2 | $360,000 | $180,000 | $2,793 | 2.87% |
| Cordele, GA (FHA|USDA|VA) » | 1 | $355,000 | $355,000 | $8,152 | 2.99% |
| Montrose, CO (FHA|USDA|VA) » | 1 | $355,000 | $355,000 | $4,260 | 2.99% |
| MONTGOMERY, AL (FHA|USDA|VA) » | 2 | $350,000 | $175,000 | $2,648 | 2.50% |
| Mountain Home, AR (FHA|USDA|VA) » | 2 | $350,000 | $175,000 | $4,335 | 2.62% |
| Los Alamos, NM (FHA|USDA|VA) » | 2 | $330,000 | $165,000 | $4,934 | 3.37% |
| ALTOONA, PA (FHA|USDA|VA) » | 2 | $330,000 | $165,000 | $5,506 | 2.94% |
| Cullman, AL (FHA|USDA|VA) » | 2 | $330,000 | $165,000 | $4,225 | 2.75% |
| MERCED, CA (FHA|USDA|VA) » | 1 | $325,000 | $325,000 | $5,776 | 3.38% |
| Pottsville, PA (FHA|USDA|VA) » | 2 | $320,000 | $160,000 | $5,826 | 2.69% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) » | 2 | $320,000 | $160,000 | $7,728 | 3.37% |
| TWIN FALLS, ID (FHA|USDA|VA) » | 2 | $320,000 | $160,000 | $3,418 | 2.81% |
| TYLER, TX (FHA|USDA|VA) » | 2 | $320,000 | $160,000 | $3,189 | 3.13% |
| Mountain Home, ID (FHA|USDA|VA) » | 2 | $310,000 | $155,000 | $3,429 | 2.81% |
| Show Low, AZ (FHA|USDA|VA) » | 2 | $310,000 | $155,000 | $6,033 | 2.81% |
| SAGINAW, MI (FHA|USDA|VA) » | 1 | $305,000 | $305,000 | $2,788 | 2.50% |
| Glenwood Springs, CO (FHA|USDA|VA) » | 1 | $305,000 | $305,000 | $5,670 | 3.38% |
| ELMIRA, NY (FHA|USDA|VA) » | 2 | $300,000 | $150,000 | $5,927 | 3.25% |
| Sault Ste. Marie, MI (FHA|USDA|VA) » | 2 | $300,000 | $150,000 | $4,003 | 2.94% |
| Bardstown, KY (FHA|USDA|VA) » | 2 | $300,000 | $150,000 | $4,792 | 3.37% |
| TOLEDO, OH (FHA|USDA|VA) » | 2 | $300,000 | $150,000 | $4,842 | 2.93% |
| Washington, NC (FHA|USDA|VA) » | 1 | $295,000 | $295,000 | $1,297 | 2.25% |
| Adrian, MI (FHA|USDA|VA) » | 2 | $290,000 | $145,000 | $6,075 | 2.81% |
| CHARLESTON, WV (FHA|USDA|VA) » | 2 | $290,000 | $145,000 | $6,786 | 3.50% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » | 2 | $290,000 | $145,000 | $5,047 | 3.13% |
| ALEXANDRIA, LA (FHA|USDA|VA) » | 2 | $290,000 | $145,000 | $5,178 | 2.50% |
| Durango, CO (FHA|USDA|VA) » | 1 | $285,000 | $285,000 | $7,041 | 2.88% |
| FARMINGTON, NM (FHA|USDA|VA) » | 1 | $285,000 | $285,000 | $3,266 | 2.25% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) » | 2 | $280,000 | $140,000 | $2,368 | 2.56% |
| Batesville, AR (FHA|USDA|VA) » | 1 | $275,000 | $275,000 | $6,787 | 2.63% |
| Prineville, OR (FHA|USDA|VA) » | 1 | $275,000 | $275,000 | $5,950 | 3.25% |
| Baraboo, WI (FHA|USDA|VA) » | 1 | $275,000 | $275,000 | $9,321 | 2.88% |
| YUMA, AZ (FHA|USDA|VA) » | 1 | $275,000 | $275,000 | $12,803 | 2.88% |
| Durant, OK (FHA|USDA|VA) » | 1 | $275,000 | $275,000 | $4,995 | 4.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) » | 2 | $270,000 | $135,000 | $6,069 | 2.75% |
| PEORIA, IL (FHA|USDA|VA) » | 2 | $270,000 | $135,000 | $3,329 | 3.25% |
| Berlin, NH (FHA|USDA|VA) » | 2 | $270,000 | $135,000 | $4,858 | 2.75% |
| McPherson, KS (FHA|USDA|VA) » | 1 | $265,000 | $265,000 | $12,264 | 2.38% |
| TOPEKA, KS (FHA|USDA|VA) » | 1 | $265,000 | $265,000 | $6,139 | 2.99% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) » | 1 | $265,000 | $265,000 | $4,129 | 2.88% |
| WILLIAMSPORT, PA (FHA|USDA|VA) » | 1 | $265,000 | $265,000 | $7,336 | 3.49% |
| Gaffney, SC (FHA|USDA|VA) » | 1 | $255,000 | $255,000 | $6,936 | 2.88% |
| Jefferson, GA (FHA|USDA|VA) » | 1 | $255,000 | $255,000 | $3,532 | 3.38% |
| Amsterdam, NY (FHA|USDA|VA) » | 2 | $250,000 | $125,000 | $3,960 | 2.88% |
| Fort Morgan, CO (FHA|USDA|VA) » | 1 | $245,000 | $245,000 | $5,406 | 3.25% |
| Clovis, NM (FHA|USDA|VA) » | 1 | $245,000 | $245,000 | $4,303 | 3.88% |
| Muscatine, IA (FHA|USDA|VA) » | 1 | $245,000 | $245,000 | $5,029 | 3.25% |
| Arcadia, FL (FHA|USDA|VA) » | 1 | $245,000 | $245,000 | $5,217 | 2.50% |
| Atmore, AL (FHA|USDA|VA) » | 2 | $240,000 | $120,000 | $5,723 | 2.63% |
| Laurinburg, NC (FHA|USDA|VA) » | 1 | $235,000 | $235,000 | $6,698 | 3.38% |
| Searcy, AR (FHA|USDA|VA) » | 1 | $235,000 | $235,000 | $5,627 | 2.99% |
| Grand Rapids, MN (FHA|USDA|VA) » | 2 | $230,000 | $115,000 | $4,510 | 3.19% |
| Alma, MI (FHA|USDA|VA) » | 2 | $230,000 | $115,000 | $4,219 | 3.18% |
| Red Wing, MN (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $2,565 | 2.50% |
| St. Marys, GA (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $2,958 | 3.25% |
| ANCHORAGE, AK (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $0 | 2.88% |
| LAKE CHARLES, LA (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $8,510 | 2.25% |
| Mount Pleasant, MI (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $3,019 | 2.63% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $3,905 | 2.88% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $4,411 | 3.49% |
| BISMARCK, ND (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $5,447 | 2.88% |
| Meridian, MS (FHA|USDA|VA) » | 1 | $225,000 | $225,000 | $3,502 | 3.38% |
| Troy, AL (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $3,912 | 3.25% |
| Vicksburg, MS (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $2,100 | 2.50% |
| RAPID CITY, SD (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $3,066 | 2.99% |
| Auburn, NY (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $4,789 | 2.88% |
| SUMTER, SC (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $3,699 | 3.25% |
| Astoria, OR (FHA|USDA|VA) » | 1 | $215,000 | $215,000 | $10,266 | 2.25% |
| Gloversville, NY (FHA|USDA|VA) » | 1 | $205,000 | $205,000 | $3,970 | 2.99% |
| Shelbyville, TN (FHA|USDA|VA) » | 1 | $205,000 | $205,000 | $2,294 | 2.75% |
| Portsmouth, OH (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $6,188 | 2.25% |
| Mason City, IA (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $2,518 | 2.99% |
| Harrison, AR (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $3,781 | 2.99% |
| Wilson, NC (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $2,154 | 2.99% |
| WICHITA FALLS, TX (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $3,734 | 2.25% |
| MORRISTOWN, TN (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $2,859 | 2.88% |
| Fallon, NV (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $0 | 3.13% |
| Albemarle, NC (FHA|USDA|VA) » | 1 | $195,000 | $195,000 | $6,276 | 2.88% |
| Faribault-Northfield, MN (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $4,754 | 2.99% |
| Cedartown, GA (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $2,978 | 3.25% |
| Picayune, MS (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $6,933 | 2.88% |
| COLUMBIA, MO (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $6,743 | 2.75% |
| Cullowhee, NC (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $3,788 | 2.63% |
| Lake City, FL (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $2,727 | 2.50% |
| Athens, TX (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $3,067 | 2.50% |
| Storm Lake, IA (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $4,615 | 3.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $2,556 | 2.88% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) » | 1 | $185,000 | $185,000 | $3,210 | 2.88% |
| Minden, LA (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $5,096 | 2.25% |
| Greenwood, MS (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $5,853 | 3.25% |
| MIDLAND, MI (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $2,365 | 2.50% |
| Stevens Point, WI (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $2,781 | 2.25% |
| Escanaba, MI (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $938 | 2.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $7,289 | 3.50% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) » | 1 | $175,000 | $175,000 | $6,891 | 3.75% |
| Tupelo, MS (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $4,941 | 4.38% |
| HINESVILLE, GA (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $2,148 | 2.25% |
| Brownwood, TX (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $2,519 | 2.38% |
| Sonora, CA (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $2,320 | 2.38% |
| Palatka, FL (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $3,146 | 3.38% |
| Ardmore, OK (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $4,938 | 2.75% |
| Wauchula, FL (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $5,485 | 3.00% |
| Roswell, NM (FHA|USDA|VA) » | 1 | $165,000 | $165,000 | $3,332 | 3.38% |
| BRUNSWICK, GA (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $2,743 | 3.49% |
| Beaver Dam, WI (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $5,332 | 3.13% |
| Jesup, GA (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $2,737 | 2.63% |
| JACKSON, TN (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $2,731 | 2.88% |
| Guymon, OK (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $8,194 | 2.75% |
| JACKSON, MI (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $5,383 | 2.99% |
| HAMMOND, LA (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $4,373 | 2.99% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $6,674 | 3.25% |
| Fort Dodge, IA (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $2,214 | 2.88% |
| KOKOMO, IN (FHA|USDA|VA) » | 1 | $155,000 | $155,000 | $2,518 | 2.63% |
| Greeneville, TN (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $3,561 | 2.88% |
| DuBois, PA (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $6,512 | 3.49% |
| MONROE, LA (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $4,362 | 3.38% |
| Jasper, IN (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $2,499 | 3.49% |
| Jackson, OH (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $3,517 | 2.25% |
| FARGO, ND-MN (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $2,677 | 3.38% |
| Clinton, IA (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $4,500 | 2.50% |
| Cedar City, UT (FHA|USDA|VA) » | 1 | $145,000 | $145,000 | $4,006 | 3.25% |
| Austin, MN (FHA|USDA|VA) » | 1 | $135,000 | $135,000 | $4,216 | 2.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) » | 1 | $135,000 | $135,000 | $8,555 | 2.50% |
| Heber, UT (FHA|USDA|VA) » | 1 | $135,000 | $135,000 | $2,669 | 2.99% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) » | 1 | $135,000 | $135,000 | $2,559 | 2.63% |
| St. Marys, PA (FHA|USDA|VA) » | 1 | $125,000 | $125,000 | $6,217 | 3.75% |
| Cornelia, GA (FHA|USDA|VA) » | 1 | $125,000 | $125,000 | $2,727 | 2.88% |
| ABILENE, TX (FHA|USDA|VA) » | 1 | $125,000 | $125,000 | $3,102 | 3.25% |
| Spencer, IA (FHA|USDA|VA) » | 1 | $125,000 | $125,000 | $2,794 | 3.75% |
| Starkville, MS (FHA|USDA|VA) » | 1 | $125,000 | $125,000 | $5,859 | 2.75% |
| Corning, NY (FHA|USDA|VA) » | 1 | $125,000 | $125,000 | $6,266 | 3.75% |
| Muskogee, OK (FHA|USDA|VA) » | 1 | $125,000 | $125,000 | $3,156 | 3.63% |
| Enterprise, AL (FHA|USDA|VA) » | 1 | $115,000 | $115,000 | $2,377 | 2.88% |
| Meadville, PA (FHA|USDA|VA) » | 1 | $115,000 | $115,000 | $0 | 4.75% |
| LONGVIEW, TX (FHA|USDA|VA) » | 1 | $115,000 | $115,000 | $2,421 | 2.75% |
| Moultrie, GA (FHA|USDA|VA) » | 1 | $115,000 | $115,000 | $5,156 | 3.00% |
| New Castle, IN (FHA|USDA|VA) » | 1 | $115,000 | $115,000 | $4,581 | 3.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) » | 1 | $105,000 | $105,000 | $2,397 | 2.75% |
| Newport, OR (FHA|USDA|VA) » | 1 | $95,000 | $95,000 | $2,861 | 3.25% |
| HATTIESBURG, MS (FHA|USDA|VA) » | 1 | $95,000 | $95,000 | $654 | 2.50% |
| Richmond, IN (FHA|USDA|VA) » | 1 | $95,000 | $95,000 | $2,204 | 4.50% |
| Lexington, NE (FHA|USDA|VA) » | 1 | $95,000 | $95,000 | $2,049 | 3.88% |
| ROCKY MOUNT, NC (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $2,301 | 2.75% |
| Paragould, AR (FHA|USDA|VA) » | 1 | $85,000 | $85,000 | $4,334 | 3.13% |
| Red Bluff, CA (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $4,463 | 2.88% |
| WHEELING, WV-OH (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $3,622 | 3.38% |
| JOHNSTOWN, PA (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $0 | 4.49% |
| Angola, IN (FHA|USDA|VA) » | 1 | $75,000 | $75,000 | $3,697 | 5.25% |
| Opelousas, LA (FHA|USDA|VA) » | 1 | $55,000 | $55,000 | $5,054 | 2.38% |
Embrace Home Loans 's top markets include Washington, New York, Baltimore, Boston, and Salisbury among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional » | 12,678 | $4,272,840,000 | $337,028 | $4,470 | 3.01% |
| FHA » | 2,738 | $740,230,000 | $270,354 | $8,677 | 3.06% |
| VA » | 1,758 | $701,290,000 | $398,914 | $7,278 | 2.57% |
| USDA » | 417 | $88,255,000 | $211,643 | $5,457 | 2.88% |
For the 2021 period, Embrace Home Loans 's most frequently originated loan type of loans were Conventional, with 12,678 originations. Their 2nd most popular type is FHA, with 2,738 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase » | 7,911 | $2,730,055,000 | $345,096 | $6,356 | 3.03% |
| Refi » | 5,899 | $1,904,335,000 | $322,823 | $4,202 | 2.81% |
| Cash Out Refi » | 3,674 | $1,140,630,000 | $310,460 | $5,584 | 3.11% |
| Other » | 66 | $18,370,000 | $278,333 | $4,172 | 3.08% |
| Home Improvement » | 41 | $9,225,000 | $225,000 | $3,925 | 3.19% |
For the 2021, Embrace Home Loans 's most frequently cited loan purpose of loans were Home Purchase, with 7,911 originations. The 2nd most popular reason of loans were Refi, with 5,899 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year » | 14,384 | $4,879,290,000 | $339,216 | $5,732 | 3.04% |
| 15 Year » | 2,040 | $580,980,000 | $284,794 | $4,235 | 2.50% |
| 20 Year » | 781 | $232,705,000 | $297,958 | $4,092 | 2.91% |
| Other » | 286 | $87,120,000 | $304,615 | $4,555 | 2.93% |
| 10 Year » | 99 | $22,505,000 | $227,323 | $3,748 | 2.52% |
| 5 Year » | 1 | $15,000 | $15,000 | $0 | 0.00% |
For the 2021, Embrace Home Loans 's most frequently cited loan length of loans were 30 Year, with 14,384 originations. The 2nd most popular length of loans were 15 Year, with 2,040 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k » | 10,335 | $3,613,355,000 | $349,623 |
| $2k-3k » | 1,980 | $559,290,000 | $282,470 |
| $3k-4k » | 1,113 | $327,555,000 | $294,299 |
| $5k+ » | 832 | $364,340,000 | $437,909 |
| $4k-5k » | 654 | $215,840,000 | $330,031 |
| $<1k » | 631 | $147,295,000 | $233,431 |
$5,732 of loans were Embrace Home Loans 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 10,335 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% » | 8,332 | $2,928,270,000 | $351,449 |
| 3-4% » | 5,963 | $1,693,505,000 | $284,002 |
| <2.5% » | 2,959 | $1,104,355,000 | $373,219 |
| 4-5% » | 293 | $65,735,000 | $224,352 |
| 5-6% » | 41 | $10,325,000 | $251,829 |
| 6-7% » | 2 | $410,000 | $205,000 |
During 2021, Embrace Home Loans 's average interest rate of loans were 3.04%, while their most frequently originated rate bucket of loans were 2.5-3%, with 8,332 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k » | 8,516 | $2,451,200,000 | $287,835 | $5,351 | 2.98% |
| $100k-200k » | 3,876 | $611,160,000 | $157,678 | $4,224 | 3.08% |
| $400k-600k » | 3,535 | $1,700,285,000 | $480,986 | $6,208 | 2.83% |
| $600k-1MM » | 1,142 | $827,800,000 | $724,869 | $7,893 | 2.82% |
| $100,000 or less » | 378 | $30,730,000 | $81,296 | $3,384 | 3.38% |
| $1MM+ » | 144 | $181,440,000 | $1,260,000 | $10,349 | 2.77% |
2021 saw Embrace Home Loans place emphasis on $200k-400k loans with 8,516 originations, totaling $2,451,200,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k » | 3,870 | $1,349,090,000 | $348,602 | $5,759 | 2.98% |
| $50k-75k » | 3,493 | $819,955,000 | $234,742 | $5,400 | 3.08% |
| $150k-250k » | 3,115 | $1,366,885,000 | $438,807 | $5,631 | 2.90% |
| $75k-100k » | 2,993 | $873,095,000 | $291,712 | $5,833 | 3.04% |
| $50k or less » | 1,952 | $339,070,000 | $173,704 | $4,724 | 3.09% |
| $250k+ » | 1,321 | $773,375,000 | $585,447 | $5,775 | 2.83% |
Embrace Home Loans lent most frequently to those with incomes in the $100k-150k range, with 3,870 originations. The second most popular income band? $50k-75k, with 3,493 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% » | 3,511 | $1,180,785,000 | $336,310 | $4,792 | 2.96% |
| 30-36% » | 3,188 | $1,061,980,000 | $333,118 | $5,270 | 3.01% |
| <20% » | 1,323 | $428,325,000 | $323,753 | $4,161 | 2.88% |
| 50-60% » | 897 | $280,995,000 | $313,261 | $9,238 | 2.99% |
| 44% » | 731 | $235,465,000 | $322,114 | $5,718 | 3.04% |
| 42% » | 656 | $214,330,000 | $326,723 | $5,671 | 3.05% |
| 40% » | 633 | $213,095,000 | $336,643 | $5,794 | 3.04% |
| 43% » | 624 | $200,500,000 | $321,314 | $5,838 | 3.07% |
| 41% » | 595 | $202,605,000 | $340,513 | $5,938 | 3.03% |
| 37% » | 586 | $184,290,000 | $314,488 | $5,378 | 3.01% |
| 38% » | 564 | $188,660,000 | $334,504 | $5,477 | 3.03% |
| 39% » | 538 | $179,910,000 | $334,405 | $5,451 | 3.01% |
| 36% » | 531 | $178,985,000 | $337,072 | $5,371 | 3.01% |
| 49% » | 526 | $172,750,000 | $328,422 | $5,902 | 3.00% |
| 45% » | 494 | $160,840,000 | $325,587 | $5,903 | 3.02% |
| 46% » | 445 | $141,035,000 | $316,933 | $6,292 | 3.02% |
| 48% » | 436 | $141,510,000 | $324,564 | $6,360 | 3.02% |
| 47% » | 427 | $137,975,000 | $323,126 | $6,057 | 2.99% |
| >60% » | 39 | $17,435,000 | $447,051 | $14,512 | 3.12% |
Embrace Home Loans lent most frequently to those with DTI ratios of 20-30%, with 3,511 originations. The next most common DTI ratio? 30-36%, with 3,188 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White » | 12,011 | $3,844,935,000 | $320,118 | $5,243 | 2.98% |
| Not provided » | 3,332 | $1,176,430,000 | $353,070 | $5,697 | 2.92% |
| Black » | 1,555 | $489,075,000 | $314,518 | $6,489 | 3.05% |
| Asian » | 579 | $246,785,000 | $426,226 | $5,596 | 2.86% |
| Asian Indian » | 32 | $15,020,000 | $469,375 | $5,872 | 2.90% |
| American Indian » | 41 | $14,415,000 | $351,585 | $5,359 | 2.90% |
| Not applicable » | 20 | $6,830,000 | $341,500 | $7,665 | 3.16% |
| Filipino » | 7 | $3,885,000 | $555,000 | $9,448 | 2.66% |
| Native Hawaiian or Islander » | 10 | $3,760,000 | $376,000 | $4,581 | 3.05% |
| Other Asian » | 2 | $910,000 | $455,000 | $3,901 | 3.44% |
| Chinese » | 1 | $345,000 | $345,000 | $2,487 | 2.25% |
| Vietnamese » | 1 | $225,000 | $225,000 | $5,505 | 3.25% |
Approval Rates
Total approvals of all applications85.57%
Embrace Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination72.71%
Embrace Home Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 17,591 | $5,802,615,000 | $329,863 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| » | 17,591 | $5,802,615,000 | $329,863 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% » | 603 | $150,645,000 | $249,826 | $3,780 | 2.84% |
| 40-60% » | 2,502 | $776,970,000 | $310,540 | $3,981 | 2.84% |
| 60-80% » | 6,296 | $2,131,150,000 | $338,493 | $4,866 | 3.05% |
| 80-100% » | 7,808 | $2,599,490,000 | $332,926 | $6,184 | 2.98% |
| Over 100% » | 336 | $134,820,000 | $401,250 | $12,846 | 2.66% |
| Under 20% » | 46 | $9,540,000 | $207,391 | $3,637 | 2.73% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| EMBRACE HOME LOANS | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 40.0% |
| EMBRACE HOME LOANS | Conventional home mortgage | Closing on a mortgage | 1 | 20.0% |
| EMBRACE HOME LOANS | Conventional home mortgage | Trouble during payment process | 1 | 20.0% |
| EMBRACE HOME LOANS | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 20.0% |
