Embrace Home Loans Mortgage Rates, Fees & Info

MIDDLETOWN, RI

LEI: 213800QUAI2VH5YM6310

Tax ID: 05-0402708

4.3 stars - out of 5 stars, based on 133 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include Washington, New York, Baltimore, Boston, and Salisbury among others. Embrace Home Loans has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Embrace Home Loans is typically an average fee lendor.


Originations

17,591

Origination Dollar Volume (All Markets)

$5,802,615,000
Show all (22) awards

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

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 1,767 $543,395,000 $307,524
$5k+ 832 $364,340,000 $437,909
$<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 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 applications
74.37%

Embrace Home Loans has a below average approval rate.

Pick Rate

Approvals leading to origination
59.31%

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 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%