Embrace Home Loans Mortgage Rates, Fees & Info

MIDDLETOWN, RI

LEI: 213800QUAI2VH5YM6310

Tax ID: 05-0402708

3 stars - Updated: 3/17/24 - out of 5 stars, based on 96 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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% 3/17/24
30 Year Conventional Refi 6.41% 3/17/24
30 Year Cash-out Refi 6.68% 3/17/24
30 Year FHA Purchase 7.40% 3/17/24
30 Year FHA Refi 7.21% 3/17/24
30 Year VA Purchase 6.05% 3/17/24
30 Year VA Refi 5.80% 3/17/24
30 Year USDA Purchase 6.86% 3/17/24
30 Year USDA Refi 7.23% 3/17/24
15 Year Conventional Purchase 5.98% 3/17/24
15 Year Conventional Refi 5.96% 3/17/24
15 Year Cash-out Refi 5.96% 3/17/24
15 Year FHA Purchase 7.23% 3/17/24
15 Year FHA Refi 7.40% 3/17/24
15 Year VA Refi 5.81% 3/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

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

9,249

Origination Dollar Volume (All Markets)

$3,605,855,000
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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%
Embrace Home Loans's top markets include New York, Washington, Baltimore, Boston, and Providence among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,507 $2,687,755,000 $413,056 $6,612 4.74%
    FHA 1,854 $542,400,000 $292,557 $11,174 5.00%
    VA 761 $348,585,000 $458,062 $12,350 4.40%
    USDA 127 $27,115,000 $213,504 $6,722 4.65%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,638 $2,755,140,000 $415,056 $8,123 4.92%
    Cash Out Refi 1,972 $640,740,000 $324,919 $8,490 4.55%
    Refi 516 $173,290,000 $335,833 $5,854 3.62%
    Home Improvement 67 $14,875,000 $222,015 $6,158 5.03%
    Other 56 $21,810,000 $389,464 $6,146 4.86%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 8,493 $3,389,735,000 $399,121 $8,245 4.85%
    15 Year 552 $156,980,000 $284,384 $5,751 3.70%
    20 Year 153 $43,805,000 $286,307 $6,057 4.13%
    Other 36 $11,580,000 $321,667 $6,173 4.12%
    10 Year 15 $3,755,000 $250,333 $6,334 3.22%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,431 $1,516,625,000 $442,036
    $5k+ 1,886 $853,900,000 $452,757
    $3k-4k 1,150 $365,800,000 $318,087
    $2k-3k 1,144 $356,180,000 $311,346
    $4k-5k 842 $291,890,000 $346,663
    $<1k 253 $60,275,000 $238,241

    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

    Loan Rate Originations Total Value Average Loan
    5-6% 2,823 $1,034,925,000 $366,605
    4-5% 2,394 $1,047,640,000 $437,611
    3-4% 2,353 $896,555,000 $381,026
    6-7% 881 $288,005,000 $326,907
    2.5-3% 501 $223,765,000 $446,637
    7-8% 154 $47,880,000 $310,909
    <2.5% 126 $59,700,000 $473,810
    Over 8% 17 $7,385,000 $434,412

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,889 $1,142,925,000 $293,887 $7,703 4.79%
    $400k-600k 2,379 $1,149,415,000 $483,150 $8,937 4.68%
    $100k-200k 1,504 $235,300,000 $156,449 $5,766 4.97%
    $600k-1MM 1,096 $796,300,000 $726,551 $10,291 4.61%
    $1MM+ 204 $267,790,000 $1,312,696 $11,273 4.36%
    $100,000 or less 177 $14,125,000 $79,802 $4,286 5.05%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,287 $895,775,000 $391,681 $8,676 4.80%
    $150k-250k 1,969 $996,725,000 $506,209 $8,506 4.72%
    $50k-75k 1,697 $399,935,000 $235,672 $7,256 4.80%
    $75k-100k 1,538 $472,190,000 $307,016 $8,180 4.78%
    $250k+ 979 $714,075,000 $729,392 $8,799 4.67%
    $50k or less 767 $123,715,000 $161,297 $5,642 4.82%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,587 $639,155,000 $402,744 $7,308 4.71%
    20-30% 1,485 $598,165,000 $402,805 $7,055 4.62%
    50-60% 731 $254,865,000 $348,653 $11,846 4.83%
    42% 469 $197,575,000 $421,269 $7,985 4.92%
    44% 451 $168,915,000 $374,534 $8,319 4.85%
    41% 407 $172,615,000 $424,115 $7,815 4.76%
    40% 404 $165,200,000 $408,911 $7,639 4.86%
    49% 385 $143,045,000 $371,545 $8,972 4.89%
    39% 374 $143,950,000 $384,893 $7,282 4.74%
    <20% 363 $145,355,000 $400,427 $6,364 4.55%
    43% 362 $132,020,000 $364,696 $7,979 4.77%
    38% 348 $140,460,000 $403,621 $7,167 4.81%
    36% 322 $132,380,000 $411,118 $7,644 4.67%
    37% 309 $117,765,000 $381,117 $7,723 4.74%
    45% 308 $107,840,000 $350,130 $8,504 4.86%
    48% 308 $114,590,000 $372,045 $9,224 4.92%
    46% 288 $101,160,000 $351,250 $8,352 4.73%
    47% 287 $105,805,000 $368,659 $9,094 4.97%
    >60% 49 $21,555,000 $439,898 $15,423 5.92%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,479 $2,452,655,000 $378,555 $7,722 4.74%
    Not provided 1,102 $497,470,000 $451,425 $8,344 4.74%
    Black 1,146 $395,530,000 $345,140 $9,384 4.96%
    Asian 470 $242,140,000 $515,191 $8,532 4.75%
    American Indian 19 $5,805,000 $305,526 $8,989 4.78%
    Native Hawaiian or Islander 10 $4,360,000 $436,000 $11,103 4.84%
    Not applicable 14 $3,990,000 $285,000 $7,976 4.47%
    Asian Indian 4 $2,060,000 $515,000 $5,127 3.78%
    Filipino 3 $925,000 $308,333 $7,912 3.50%
    Other Pacific Islander 1 $495,000 $495,000 $14,143 5.13%
    Other Asian 1 $425,000 $425,000 $5,067 2.99%

    Approval Rates

    Total approvals of all applications
    82.23%

    Embrace Home Loans has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    64.03%

    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

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 262 $62,500,000 $238,550 $5,517 4.66%
    40-60% 884 $289,850,000 $327,885 $6,439 4.39%
    60-80% 3,015 $1,224,655,000 $406,187 $7,500 4.72%
    80-100% 4,919 $1,957,675,000 $397,982 $8,468 4.87%
    Over 100% 141 $66,175,000 $469,326 $19,326 4.45%
    Under 20% 28 $5,000,000 $178,571 $4,356 4.49%