Embrace Home Loans Mortgage Rates, Fees & Info

MIDDLETOWN, RI

LEI: 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, Cash Out Refi, 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, Boston, Baltimore, and Providence among others. We have data for 490 markets. (Some data included below & more in-depth data is available with an active subscription.)

Embrace Home Loans has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Embrace Home Loans is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.47% 12/17/24
30 Year Conventional Refi 6.41% 12/17/24
30 Year Cash-out Refi 6.68% 12/17/24
30 Year FHA Purchase 7.40% 12/17/24
30 Year FHA Refi 7.21% 12/17/24
30 Year VA Purchase 6.05% 12/17/24
30 Year VA Refi 5.80% 12/17/24
30 Year USDA Purchase 6.86% 12/17/24
30 Year USDA Refi 7.23% 12/17/24
15 Year Conventional Purchase 5.98% 12/17/24
15 Year Conventional Refi 5.96% 12/17/24
15 Year Cash-out Refi 5.96% 12/17/24
15 Year FHA Purchase 7.23% 12/17/24
15 Year FHA Refi 7.40% 12/17/24
15 Year VA Refi 5.81% 12/17/24
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

11,444

Origination Dollar Volume (All Markets)

$3,055,550,000
Show all (10) awards

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) 2,104 $781,530,000 $371,450 $6,332 4.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 809 $305,165,000 $377,213 $7,390 4.19%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 497 $173,385,000 $348,863 $6,255 4.29%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 499 $154,305,000 $309,228 $6,004 4.26%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 344 $94,810,000 $275,610 $5,970 4.32%
SALISBURY, MD-DE (FHA|USDA|VA) 413 $93,205,000 $225,678 $5,817 4.41%
Outside of Metro Areas 455 $85,285,000 $187,440 $5,256 4.49%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 265 $68,555,000 $258,698 $5,736 4.28%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 263 $62,515,000 $237,700 $5,568 4.51%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 273 $54,145,000 $198,333 $5,530 4.51%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 173 $44,195,000 $255,462 $4,579 4.38%
LYNCHBURG, VA (FHA|USDA|VA) 244 $42,570,000 $174,467 $4,801 4.22%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 216 $39,720,000 $183,889 $5,942 4.42%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 194 $35,850,000 $184,794 $5,805 4.09%
MOBILE, AL (FHA|USDA|VA) 233 $35,735,000 $153,369 $5,278 4.63%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 157 $32,245,000 $205,382 $5,543 4.29%
RICHMOND, VA (FHA|USDA|VA) 137 $32,115,000 $234,416 $6,539 4.24%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 160 $30,830,000 $192,688 $4,875 4.31%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 116 $30,740,000 $265,000 $6,205 4.57%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 145 $30,245,000 $208,586 $6,357 4.35%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 136 $30,200,000 $222,059 $6,578 4.60%
ROANOKE, VA (FHA|USDA|VA) 165 $29,645,000 $179,667 $4,853 4.25%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 103 $26,335,000 $255,680 $4,183 4.26%
DOVER, DE (FHA|USDA|VA) 109 $23,945,000 $219,679 $6,429 4.41%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 79 $23,685,000 $299,810 $7,165 4.62%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 83 $18,425,000 $221,988 $5,459 4.43%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 43 $17,275,000 $401,744 $9,579 4.42%
SPRINGFIELD, MA (FHA|USDA|VA) 69 $14,935,000 $216,449 $5,373 4.51%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 69 $14,775,000 $214,130 $5,525 4.24%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 67 $13,795,000 $205,896 $4,675 5.33%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 61 $12,915,000 $211,721 $5,000 5.54%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 53 $12,445,000 $234,811 $6,292 4.86%
BANGOR, ME (FHA|USDA|VA) 70 $12,190,000 $174,143 $4,543 4.40%
JACKSONVILLE, FL (FHA|USDA|VA) 56 $11,720,000 $209,286 $5,922 4.57%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 65 $11,615,000 $178,692 $5,268 4.56%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 43 $11,555,000 $268,721 $7,029 4.82%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 38 $11,520,000 $303,158 $6,217 4.35%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 52 $11,090,000 $213,269 $7,034 4.42%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 54 $10,580,000 $195,926 $5,471 4.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 29 $10,075,000 $347,414 $7,369 4.49%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 19 $9,745,000 $512,895 $7,216 4.56%
RALEIGH-CARY, NC (FHA|USDA|VA) 37 $9,465,000 $255,811 $6,243 4.43%
Augusta-Waterville, ME (FHA|USDA|VA) 56 $9,280,000 $165,714 $4,818 4.50%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 29 $8,805,000 $303,621 $6,322 4.54%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 29 $8,755,000 $301,897 $7,377 4.31%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 38 $8,740,000 $230,000 $7,208 4.47%
WORCESTER, MA-CT (FHA|USDA|VA) 33 $8,735,000 $264,697 $5,657 4.70%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 19 $7,895,000 $415,526 $7,686 4.70%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 26 $7,450,000 $286,538 $7,850 4.42%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 17 $7,335,000 $431,471 $9,131 4.46%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 31 $7,075,000 $228,226 $5,084 4.53%
COLUMBUS, OH (FHA|USDA|VA) 35 $6,975,000 $199,286 $5,389 4.51%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 36 $6,800,000 $188,889 $6,113 4.72%
KANSAS CITY, MO-KS (FHA|USDA|VA) 35 $6,125,000 $175,000 $5,921 4.37%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 18 $5,920,000 $328,889 $7,768 4.38%
WINCHESTER, VA-WV (FHA|USDA|VA) 23 $5,875,000 $255,435 $5,921 4.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 30 $5,750,000 $191,667 $6,295 4.55%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 27 $5,595,000 $207,222 $6,317 4.76%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 24 $5,490,000 $228,750 $6,811 4.28%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 18 $5,280,000 $293,333 $8,747 4.38%
SALT LAKE CITY, UT (FHA|USDA|VA) 22 $5,270,000 $239,545 $7,742 4.98%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 31 $5,185,000 $167,258 $5,008 4.63%
Concord, NH (FHA|USDA|VA) 20 $5,180,000 $259,000 $4,492 4.21%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 19 $5,135,000 $270,263 $8,184 4.43%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 21 $5,045,000 $240,238 $5,470 4.63%
Keene, NH (FHA|USDA|VA) 24 $4,980,000 $207,500 $4,702 4.58%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 24 $4,800,000 $200,000 $6,183 4.45%
COLORADO SPRINGS, CO (FHA|USDA|VA) 17 $4,445,000 $261,471 $5,526 4.35%
PORT ST. LUCIE, FL (FHA|USDA|VA) 18 $4,290,000 $238,333 $6,049 4.14%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 21 $4,285,000 $204,048 $6,066 4.53%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 13 $4,055,000 $311,923 $4,136 4.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 20 $3,940,000 $197,000 $6,960 4.37%
EAST STROUDSBURG, PA (FHA|USDA|VA) 23 $3,915,000 $170,217 $6,460 4.44%
ASHEVILLE, NC (FHA|USDA|VA) 14 $3,800,000 $271,429 $7,675 4.20%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 17 $3,665,000 $215,588 $5,384 5.08%
GETTYSBURG, PA (FHA|USDA|VA) 18 $3,660,000 $203,333 $5,985 4.11%
STOCKTON, CA (FHA|USDA|VA) 11 $3,555,000 $323,182 $6,480 4.47%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 19 $3,555,000 $187,105 $6,868 4.65%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 17 $3,545,000 $208,529 $6,817 4.34%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 15 $3,485,000 $232,333 $5,032 5.24%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 19 $3,415,000 $179,737 $6,357 4.59%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 14 $3,290,000 $235,000 $4,745 5.43%
BOISE CITY, ID (FHA|USDA|VA) 12 $3,180,000 $265,000 $6,895 4.15%
YORK-HANOVER, PA (FHA|USDA|VA) 16 $3,160,000 $197,500 $5,452 4.23%
OCALA, FL (FHA|USDA|VA) 16 $3,140,000 $196,250 $6,780 4.47%
Laconia, NH (FHA|USDA|VA) 13 $3,045,000 $234,231 $5,368 4.35%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 13 $2,935,000 $225,769 $6,234 4.39%
Torrington, CT (FHA|USDA|VA) 12 $2,870,000 $239,167 $5,419 4.19%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $2,835,000 $218,077 $4,121 5.11%
PITTSBURGH, PA (FHA|USDA|VA) 15 $2,805,000 $187,000 $5,957 4.66%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,760,000 $690,000 $4,918 5.02%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 13 $2,685,000 $206,538 $4,515 4.40%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 14 $2,680,000 $191,429 $5,605 4.25%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 7 $2,645,000 $377,857 $7,507 4.23%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 11 $2,615,000 $237,727 $8,380 4.93%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 15 $2,595,000 $173,000 $5,421 4.47%
STAUNTON, VA (FHA|USDA|VA) 10 $2,550,000 $255,000 $4,101 3.47%
ALBUQUERQUE, NM (FHA|USDA|VA) 14 $2,540,000 $181,429 $6,208 4.60%
Lebanon, NH-VT (FHA|USDA|VA) 11 $2,485,000 $225,909 $5,742 4.51%
MADISON, WI (FHA|USDA|VA) 9 $2,405,000 $267,222 $6,793 4.21%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 12 $2,400,000 $200,000 $5,813 4.55%
SAVANNAH, GA (FHA|USDA|VA) 10 $2,310,000 $231,000 $5,437 4.99%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 15 $2,285,000 $152,333 $5,540 5.05%
HUNTSVILLE, AL (FHA|USDA|VA) 12 $2,110,000 $175,833 $4,800 4.87%
COLUMBIA, SC (FHA|USDA|VA) 11 $2,065,000 $187,727 $5,389 4.70%
Easton, MD (FHA|USDA|VA) 7 $2,015,000 $287,857 $5,493 4.09%
BATON ROUGE, LA (FHA|USDA|VA) 9 $2,015,000 $223,889 $6,088 4.99%
VISALIA, CA (FHA|USDA|VA) 7 $2,005,000 $286,429 $6,249 4.70%
KNOXVILLE, TN (FHA|USDA|VA) 10 $1,990,000 $199,000 $6,034 4.56%
FAYETTEVILLE, NC (FHA|USDA|VA) 10 $1,990,000 $199,000 $4,994 3.94%
PROVO-OREM, UT (FHA|USDA|VA) 8 $1,980,000 $247,500 $7,956 4.28%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 9 $1,975,000 $219,444 $6,605 4.43%
MERCED, CA (FHA|USDA|VA) 7 $1,965,000 $280,714 $7,280 4.18%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $1,955,000 $279,286 $7,433 4.41%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 11 $1,885,000 $171,364 $6,351 4.51%
JACKSON, MS (FHA|USDA|VA) 11 $1,875,000 $170,455 $6,237 4.44%
OKLAHOMA CITY, OK (FHA|USDA|VA) 11 $1,875,000 $170,455 $6,231 4.59%
SPARTANBURG, SC (FHA|USDA|VA) 5 $1,845,000 $369,000 $5,103 4.64%
READING, PA (FHA|USDA|VA) 11 $1,835,000 $166,818 $5,871 4.62%
VALLEJO, CA (FHA|USDA|VA) 5 $1,815,000 $363,000 $9,077 3.92%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 11 $1,795,000 $163,182 $4,624 4.80%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 7 $1,745,000 $249,286 $4,835 4.48%
Key West, FL (FHA|USDA|VA) 5 $1,745,000 $349,000 $4,122 5.03%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $1,745,000 $249,286 $7,414 4.20%
CHICO, CA (FHA|USDA|VA) 7 $1,675,000 $239,286 $7,784 4.75%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 10 $1,640,000 $164,000 $3,827 4.60%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 11 $1,585,000 $144,091 $5,079 4.68%
FORT COLLINS, CO (FHA|USDA|VA) 5 $1,575,000 $315,000 $6,961 4.98%
Outside of Metro Areas 6 $1,530,000 $255,000 $7,987 4.41%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $1,505,000 $215,000 $6,731 3.96%
SALINAS, CA (FHA|USDA|VA) 4 $1,480,000 $370,000 $5,277 4.69%
WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,450,000 $181,250 $4,284 4.40%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 7 $1,415,000 $202,143 $7,104 4.51%
Okeechobee, FL (FHA|USDA|VA) 10 $1,400,000 $140,000 $4,790 4.84%
ST. GEORGE, UT (FHA|USDA|VA) 5 $1,375,000 $275,000 $5,551 4.63%
TUCSON, AZ (FHA|USDA|VA) 6 $1,340,000 $223,333 $5,842 4.75%
OCEAN CITY, NJ (FHA|USDA|VA) 5 $1,335,000 $267,000 $4,850 4.61%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 8 $1,330,000 $166,250 $3,310 4.14%
SALEM, OR (FHA|USDA|VA) 5 $1,305,000 $261,000 $7,853 4.02%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 8 $1,300,000 $162,500 $3,477 3.95%
EL PASO, TX (FHA|USDA|VA) 8 $1,300,000 $162,500 $3,820 5.62%
MODESTO, CA (FHA|USDA|VA) 5 $1,295,000 $259,000 $6,042 4.57%
MONTGOMERY, AL (FHA|USDA|VA) 6 $1,280,000 $213,333 $5,291 4.42%
WILMINGTON, NC (FHA|USDA|VA) 8 $1,280,000 $160,000 $5,028 4.86%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,275,000 $255,000 $7,454 4.20%
GRANTS PASS, OR (FHA|USDA|VA) 4 $1,270,000 $317,500 $13,733 4.50%
GAINESVILLE, GA (FHA|USDA|VA) 6 $1,270,000 $211,667 $7,246 4.33%
Danville, VA (FHA|USDA|VA) 12 $1,260,000 $105,000 $4,155 4.40%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $1,245,000 $415,000 $6,820 4.70%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,160,000 $290,000 $7,056 4.38%
LAKE CHARLES, LA (FHA|USDA|VA) 5 $1,155,000 $231,000 $7,543 4.40%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $1,110,000 $277,500 $6,334 4.37%
WACO, TX (FHA|USDA|VA) 3 $1,105,000 $368,333 $8,814 3.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $1,100,000 $183,333 $6,060 4.29%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $1,090,000 $272,500 $4,679 4.19%
Cambridge, MD (FHA|USDA|VA) 5 $1,085,000 $217,000 $5,857 4.07%
LOUISVILLE, KY (FHA|USDA|VA) 6 $1,070,000 $178,333 $8,034 4.67%
LAWTON, OK (FHA|USDA|VA) 4 $1,060,000 $265,000 $5,106 4.28%
HARRISONBURG, VA (FHA|USDA|VA) 3 $1,055,000 $351,667 $3,259 4.12%
FORT WAYNE, IN (FHA|USDA|VA) 5 $1,045,000 $209,000 $7,036 4.62%
SPRINGFIELD, MO (FHA|USDA|VA) 5 $1,045,000 $209,000 $5,031 4.47%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,110 4.05%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $1,020,000 $170,000 $6,579 4.87%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 6 $1,000,000 $166,667 $4,785 4.85%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $1,000,000 $250,000 $4,988 4.69%
BOULDER, CO (FHA|USDA|VA) 2 $940,000 $470,000 $11,431 4.25%
TULSA, OK (FHA|USDA|VA) 5 $935,000 $187,000 $5,091 4.48%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $935,000 $187,000 $6,546 4.45%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $930,000 $465,000 $3,473 4.93%
FRESNO, CA (FHA|USDA|VA) 3 $915,000 $305,000 $5,612 5.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 6 $900,000 $150,000 $5,389 4.92%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $895,000 $298,333 $7,419 3.50%
ROME, GA (FHA|USDA|VA) 3 $885,000 $295,000 $7,636 3.96%
FLINT, MI (FHA|USDA|VA) 6 $880,000 $146,667 $5,978 4.33%
SYRACUSE, NY (FHA|USDA|VA) 6 $860,000 $143,333 $3,058 4.29%
STATE COLLEGE, PA (FHA|USDA|VA) 3 $855,000 $285,000 $7,425 4.37%
Sevierville, TN (FHA|USDA|VA) 5 $855,000 $171,000 $7,889 4.49%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $845,000 $169,000 $5,559 5.03%
IDAHO FALLS, ID (FHA|USDA|VA) 4 $840,000 $210,000 $8,201 4.03%
FORT SMITH, AR-OK (FHA|USDA|VA) 5 $835,000 $167,000 $6,581 3.97%
KINGSTON, NY (FHA|USDA|VA) 3 $795,000 $265,000 $6,793 4.08%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $790,000 $395,000 $3,185 4.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $780,000 $195,000 $3,850 4.12%
WICHITA, KS (FHA|USDA|VA) 4 $770,000 $192,500 $5,907 4.25%
LANCASTER, PA (FHA|USDA|VA) 4 $760,000 $190,000 $4,960 3.97%
GLENS FALLS, NY (FHA|USDA|VA) 4 $760,000 $190,000 $5,499 4.09%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 5 $755,000 $151,000 $5,577 4.32%
JOHNSON CITY, TN (FHA|USDA|VA) 4 $750,000 $187,500 $6,664 4.38%
AKRON, OH (FHA|USDA|VA) 5 $745,000 $149,000 $4,748 4.60%
PITTSFIELD, MA (FHA|USDA|VA) 4 $740,000 $185,000 $4,577 4.59%
ALBANY, GA (FHA|USDA|VA) 4 $740,000 $185,000 $6,256 4.34%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 5 $735,000 $147,000 $3,905 5.45%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $730,000 $182,500 $4,258 4.84%
JACKSONVILLE, NC (FHA|USDA|VA) 4 $720,000 $180,000 $2,963 3.88%
Georgetown, SC (FHA|USDA|VA) 1 $715,000 $715,000 $8,121 3.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 5 $715,000 $143,000 $4,868 4.67%
ROCHESTER, NY (FHA|USDA|VA) 5 $715,000 $143,000 $5,860 4.25%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $710,000 $355,000 $3,121 4.06%
ROCKY MOUNT, NC (FHA|USDA|VA) 4 $700,000 $175,000 $4,987 4.19%
BELLINGHAM, WA (FHA|USDA|VA) 2 $700,000 $350,000 $8,743 4.37%
ELMIRA, NY (FHA|USDA|VA) 3 $695,000 $231,667 $2,708 3.71%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 4 $690,000 $172,500 $6,044 4.50%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $690,000 $172,500 $5,934 4.47%
Paducah, KY-IL (FHA|USDA|VA) 3 $685,000 $228,333 $3,415 4.62%
Bluefield, WV-VA (FHA|USDA|VA) 4 $670,000 $167,500 $4,033 4.44%
Statesboro, GA (FHA|USDA|VA) 3 $645,000 $215,000 $5,869 4.21%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $640,000 $320,000 $4,411 4.50%
AMES, IA (FHA|USDA|VA) 4 $630,000 $157,500 $3,000 4.87%
GAINESVILLE, FL (FHA|USDA|VA) 4 $630,000 $157,500 $4,688 5.16%
CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $625,000 $208,333 $3,314 4.75%
GRAND FORKS, ND-MN (FHA|USDA|VA) 3 $625,000 $208,333 $8,939 3.66%
MEDFORD, OR (FHA|USDA|VA) 3 $625,000 $208,333 $8,737 3.83%
BURLINGTON, NC (FHA|USDA|VA) 4 $620,000 $155,000 $5,235 4.03%
Cullowhee, NC (FHA|USDA|VA) 3 $615,000 $205,000 $6,585 4.42%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $615,000 $205,000 $5,795 4.13%
Enterprise, AL (FHA|USDA|VA) 4 $610,000 $152,500 $3,699 4.81%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $600,000 $150,000 $4,333 4.38%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $595,000 $198,333 $8,678 4.25%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $595,000 $198,333 $7,457 4.54%
Whitewater, WI (FHA|USDA|VA) 3 $585,000 $195,000 $5,897 4.21%
Fort Morgan, CO (FHA|USDA|VA) 3 $585,000 $195,000 $6,482 4.16%
Cullman, AL (FHA|USDA|VA) 4 $580,000 $145,000 $4,351 5.53%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $575,000 $115,000 $5,771 4.88%
TOPEKA, KS (FHA|USDA|VA) 2 $570,000 $285,000 $5,233 5.06%
CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $565,000 $188,333 $7,431 4.92%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 4 $560,000 $140,000 $5,002 4.44%
Heber, UT (FHA|USDA|VA) 2 $560,000 $280,000 $5,664 4.38%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $555,000 $185,000 $6,305 5.17%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $555,000 $185,000 $6,508 4.33%
MONROE, MI (FHA|USDA|VA) 3 $545,000 $181,667 $8,056 5.38%
JOPLIN, MO (FHA|USDA|VA) 3 $535,000 $178,333 $4,575 4.46%
GREENVILLE, NC (FHA|USDA|VA) 3 $535,000 $178,333 $7,038 3.92%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $535,000 $178,333 $5,275 4.50%
Wooster, OH (FHA|USDA|VA) 2 $530,000 $265,000 $7,780 4.38%
Frankfort, KY (FHA|USDA|VA) 2 $530,000 $265,000 $9,857 3.62%
SPRINGFIELD, IL (FHA|USDA|VA) 3 $525,000 $175,000 $5,456 4.46%
Jackson, WY-ID (FHA|USDA|VA) 2 $520,000 $260,000 $6,855 4.00%
Coos Bay, OR (FHA|USDA|VA) 2 $520,000 $260,000 $7,267 3.62%
Greenville, MS (FHA|USDA|VA) 2 $520,000 $260,000 $9,156 4.00%
NEW BERN, NC (FHA|USDA|VA) 2 $510,000 $255,000 $5,238 4.25%
ODESSA, TX (FHA|USDA|VA) 2 $510,000 $255,000 $4,303 5.31%
Carlsbad-Artesia, NM (FHA|USDA|VA) 3 $505,000 $168,333 $6,385 4.75%
REDDING, CA (FHA|USDA|VA) 3 $505,000 $168,333 $6,233 4.96%
DULUTH, MN-WI (FHA|USDA|VA) 4 $500,000 $125,000 $5,984 4.78%
LUBBOCK, TX (FHA|USDA|VA) 2 $500,000 $250,000 $4,671 4.69%
WHEELING, WV-OH (FHA|USDA|VA) 3 $485,000 $161,667 $5,052 3.83%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $480,000 $120,000 $4,707 5.06%
SUMTER, SC (FHA|USDA|VA) 3 $475,000 $158,333 $5,214 4.63%
ERIE, PA (FHA|USDA|VA) 3 $475,000 $158,333 $6,543 6.33%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 3 $475,000 $158,333 $6,474 3.83%
Faribault-Northfield, MN (FHA|USDA|VA) 2 $470,000 $235,000 $9,195 4.69%
New Castle, PA (FHA|USDA|VA) 1 $465,000 $465,000 $13,192 5.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $460,000 $230,000 $5,377 4.12%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $460,000 $230,000 $7,082 3.75%
New Philadelphia-Dover, OH (FHA|USDA|VA) 3 $455,000 $151,667 $3,845 4.58%
North Wilkesboro, NC (FHA|USDA|VA) 2 $440,000 $220,000 $2,544 6.10%
Elizabeth City, NC (FHA|USDA|VA) 2 $430,000 $215,000 $3,944 4.00%
MORGANTOWN, WV (FHA|USDA|VA) 3 $425,000 $141,667 $7,323 5.08%
RACINE, WI (FHA|USDA|VA) 2 $420,000 $210,000 $4,998 4.44%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $420,000 $105,000 $4,332 4.53%
LEBANON, PA (FHA|USDA|VA) 1 $415,000 $415,000 $6,797 3.75%
LAS CRUCES, NM (FHA|USDA|VA) 3 $415,000 $138,333 $5,349 4.91%
Mountain Home, AR (FHA|USDA|VA) 3 $415,000 $138,333 $3,723 4.08%
NAPA, CA (FHA|USDA|VA) 1 $415,000 $415,000 $8,242 5.49%
Morgan City, LA (FHA|USDA|VA) 2 $410,000 $205,000 $4,946 4.37%
Shelbyville, TN (FHA|USDA|VA) 2 $410,000 $205,000 $3,060 3.87%
Brookhaven, MS (FHA|USDA|VA) 2 $410,000 $205,000 $4,301 4.31%
Palatka, FL (FHA|USDA|VA) 2 $410,000 $205,000 $8,026 5.19%
TOLEDO, OH (FHA|USDA|VA) 3 $405,000 $135,000 $5,208 5.42%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $400,000 $200,000 $7,131 4.69%
GREEN BAY, WI (FHA|USDA|VA) 3 $395,000 $131,667 $5,001 5.51%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $390,000 $195,000 $5,753 4.93%
COLUMBIA, MO (FHA|USDA|VA) 2 $390,000 $195,000 $4,964 5.44%
ITHACA, NY (FHA|USDA|VA) 2 $390,000 $195,000 $7,067 3.69%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $385,000 $128,333 $5,636 4.41%
Atmore, AL (FHA|USDA|VA) 3 $385,000 $128,333 $6,330 4.75%
DeRidder, LA (FHA|USDA|VA) 2 $380,000 $190,000 $4,052 4.37%
Dayton, TN (FHA|USDA|VA) 3 $375,000 $125,000 $4,481 4.79%
THE VILLAGES, FL (FHA|USDA|VA) 2 $370,000 $185,000 $5,676 4.37%
GREELEY, CO (FHA|USDA|VA) 2 $370,000 $185,000 $3,756 4.25%
DECATUR, AL (FHA|USDA|VA) 2 $370,000 $185,000 $7,339 4.44%
PINE BLUFF, AR (FHA|USDA|VA) 2 $370,000 $185,000 $2,420 4.62%
Clarksburg, WV (FHA|USDA|VA) 1 $365,000 $365,000 $11,267 4.25%
Albemarle, NC (FHA|USDA|VA) 2 $360,000 $180,000 $5,315 4.69%
Cedartown, GA (FHA|USDA|VA) 2 $360,000 $180,000 $6,749 5.70%
Athens, TN (FHA|USDA|VA) 2 $360,000 $180,000 $6,746 4.81%
JOHNSTOWN, PA (FHA|USDA|VA) 3 $355,000 $118,333 $4,902 4.50%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $350,000 $175,000 $4,402 3.87%
Pottsville, PA (FHA|USDA|VA) 2 $350,000 $175,000 $7,289 6.49%
Maysville, KY (FHA|USDA|VA) 2 $350,000 $175,000 $7,388 4.12%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $345,000 $345,000 $10,864 6.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $345,000 $345,000 $7,531 6.25%
BECKLEY, WV (FHA|USDA|VA) 1 $345,000 $345,000 $3,456 4.88%
GADSDEN, AL (FHA|USDA|VA) 3 $345,000 $115,000 $3,457 4.63%
Shawano, WI (FHA|USDA|VA) 1 $345,000 $345,000 $7,575 7.08%
FARGO, ND-MN (FHA|USDA|VA) 1 $345,000 $345,000 $10,167 3.99%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $340,000 $170,000 $4,896 4.75%
TWIN FALLS, ID (FHA|USDA|VA) 2 $340,000 $170,000 $5,772 4.44%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $340,000 $170,000 $4,718 4.12%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $340,000 $170,000 $6,936 4.50%
Stevens Point, WI (FHA|USDA|VA) 2 $340,000 $170,000 $3,725 4.37%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $335,000 $111,667 $4,146 5.21%
FLORENCE, SC (FHA|USDA|VA) 2 $330,000 $165,000 $4,837 4.37%
HINESVILLE, GA (FHA|USDA|VA) 2 $330,000 $165,000 $4,429 4.62%
Sanford, NC (FHA|USDA|VA) 2 $330,000 $165,000 $5,513 4.87%
Grand Rapids, MN (FHA|USDA|VA) 2 $330,000 $165,000 $6,350 5.00%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $330,000 $165,000 $3,369 3.93%
Klamath Falls, OR (FHA|USDA|VA) 1 $325,000 $325,000 $10,003 3.75%
Ruidoso, NM (FHA|USDA|VA) 1 $325,000 $325,000 $9,347 4.63%
Martinsville, VA (FHA|USDA|VA) 3 $315,000 $105,000 $5,501 4.54%
LAWRENCE, KS (FHA|USDA|VA) 1 $315,000 $315,000 $8,614 3.99%
Mountain Home, ID (FHA|USDA|VA) 2 $310,000 $155,000 $2,792 3.74%
Cambridge, OH (FHA|USDA|VA) 2 $310,000 $155,000 $4,008 5.06%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $310,000 $155,000 $7,109 5.00%
ST. CLOUD, MN (FHA|USDA|VA) 2 $310,000 $155,000 $3,801 4.37%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $310,000 $155,000 $5,369 4.37%
Laurel, MS (FHA|USDA|VA) 2 $310,000 $155,000 $4,336 4.50%
Rockingham, NC (FHA|USDA|VA) 1 $305,000 $305,000 $10,757 3.49%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $305,000 $305,000 $9,981 3.49%
Durango, CO (FHA|USDA|VA) 1 $295,000 $295,000 $9,945 4.75%
Iron Mountain, MI-WI (FHA|USDA|VA) 2 $290,000 $145,000 $3,152 4.13%
Seymour, IN (FHA|USDA|VA) 2 $290,000 $145,000 $6,003 4.50%
Granbury, TX (FHA|USDA|VA) 2 $290,000 $145,000 $3,396 4.94%
FARMINGTON, NM (FHA|USDA|VA) 1 $285,000 $285,000 $13,624 5.75%
Cadillac, MI (FHA|USDA|VA) 2 $280,000 $140,000 $4,676 5.19%
Meridian, MS (FHA|USDA|VA) 1 $275,000 $275,000 $9,278 4.75%
Marshalltown, IA (FHA|USDA|VA) 1 $275,000 $275,000 $7,044 4.25%
Marietta, OH (FHA|USDA|VA) 2 $270,000 $135,000 $4,980 4.56%
Calhoun, GA (FHA|USDA|VA) 1 $265,000 $265,000 $8,201 4.25%
Payson, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $7,145 7.95%
JONESBORO, AR (FHA|USDA|VA) 1 $265,000 $265,000 $6,662 3.13%
Opelousas, LA (FHA|USDA|VA) 1 $265,000 $265,000 $5,003 4.75%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $265,000 $265,000 $4,666 5.38%
Hudson, NY (FHA|USDA|VA) 2 $260,000 $130,000 $5,709 4.69%
ALTOONA, PA (FHA|USDA|VA) 3 $255,000 $85,000 $5,968 5.08%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $255,000 $255,000 $9,519 4.25%
Clovis, NM (FHA|USDA|VA) 2 $250,000 $125,000 $5,971 5.37%
London, KY (FHA|USDA|VA) 2 $250,000 $125,000 $7,386 5.25%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,550 5.25%
Gaffney, SC (FHA|USDA|VA) 1 $245,000 $245,000 $10,020 4.25%
PUEBLO, CO (FHA|USDA|VA) 2 $240,000 $120,000 $6,118 4.50%
Alexandria, MN (FHA|USDA|VA) 2 $240,000 $120,000 $5,780 4.69%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $235,000 $235,000 $6,656 3.75%
PEORIA, IL (FHA|USDA|VA) 1 $235,000 $235,000 $6,649 5.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $230,000 $115,000 $5,469 5.00%
Mount Airy, NC (FHA|USDA|VA) 1 $225,000 $225,000 $11,363 3.38%
Ada, OK (FHA|USDA|VA) 1 $225,000 $225,000 $7,364 6.13%
Marshall, MN (FHA|USDA|VA) 1 $225,000 $225,000 $9,935 5.25%
Frankfort, IN (FHA|USDA|VA) 1 $225,000 $225,000 $9,597 4.75%
ABILENE, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,392 5.75%
Somerset, KY (FHA|USDA|VA) 1 $225,000 $225,000 $3,671 5.75%
Burley, ID (FHA|USDA|VA) 1 $225,000 $225,000 $12,438 4.75%
Vicksburg, MS (FHA|USDA|VA) 1 $225,000 $225,000 $1,901 3.63%
Seneca, SC (FHA|USDA|VA) 2 $220,000 $110,000 $2,501 4.06%
Farmington, MO (FHA|USDA|VA) 2 $220,000 $110,000 $2,095 4.69%
Prineville, OR (FHA|USDA|VA) 1 $215,000 $215,000 $3,065 4.49%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $215,000 $215,000 $13,019 4.25%
Cornelia, GA (FHA|USDA|VA) 1 $215,000 $215,000 $5,642 3.99%
Natchitoches, LA (FHA|USDA|VA) 1 $215,000 $215,000 $6,099 4.88%
DOTHAN, AL (FHA|USDA|VA) 2 $210,000 $105,000 $4,859 3.87%
CHARLESTON, WV (FHA|USDA|VA) 2 $210,000 $105,000 $5,576 4.50%
Bellefontaine, OH (FHA|USDA|VA) 2 $210,000 $105,000 $4,034 5.00%
Fort Polk South, LA (FHA|USDA|VA) 1 $205,000 $205,000 $7,548 4.49%
Sandpoint, ID (FHA|USDA|VA) 1 $205,000 $205,000 $7,752 3.75%
POCATELLO, ID (FHA|USDA|VA) 1 $205,000 $205,000 $9,103 3.75%
LIMA, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,943 3.99%
Wabash, IN (FHA|USDA|VA) 1 $205,000 $205,000 $4,209 4.99%
Gloversville, NY (FHA|USDA|VA) 1 $205,000 $205,000 $7,002 5.25%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $205,000 $205,000 $9,052 3.63%
McAlester, OK (FHA|USDA|VA) 1 $205,000 $205,000 $9,830 4.99%
FOND DU LAC, WI (FHA|USDA|VA) 1 $205,000 $205,000 $9,587 4.75%
Middlesborough, KY (FHA|USDA|VA) 2 $200,000 $100,000 $6,667 4.31%
VALDOSTA, GA (FHA|USDA|VA) 2 $200,000 $100,000 $5,297 4.87%
HATTIESBURG, MS (FHA|USDA|VA) 2 $200,000 $100,000 $5,255 5.00%
MANSFIELD, OH (FHA|USDA|VA) 2 $200,000 $100,000 $4,505 5.00%
Sikeston, MO (FHA|USDA|VA) 2 $200,000 $100,000 $4,280 5.19%
Plymouth, IN (FHA|USDA|VA) 2 $200,000 $100,000 $4,700 4.81%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,459 4.88%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $195,000 $195,000 $8,497 5.25%
Columbus, MS (FHA|USDA|VA) 1 $195,000 $195,000 $3,739 3.63%
LaGrange, GA-AL (FHA|USDA|VA) 1 $195,000 $195,000 $6,998 3.75%
Lake City, FL (FHA|USDA|VA) 1 $185,000 $185,000 $8,800 4.13%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $185,000 $185,000 $4,354 3.75%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $185,000 $185,000 $7,546 4.49%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $185,000 $185,000 $6,937 4.13%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $185,000 $185,000 $2,729 3.99%
LINCOLN, NE (FHA|USDA|VA) 1 $185,000 $185,000 $3,091 3.50%
YUBA CITY, CA (FHA|USDA|VA) 1 $185,000 $185,000 $2,784 4.38%
MIDLAND, MI (FHA|USDA|VA) 1 $185,000 $185,000 $9,920 4.63%
JACKSON, TN (FHA|USDA|VA) 1 $185,000 $185,000 $3,556 3.75%
MORRISTOWN, TN (FHA|USDA|VA) 1 $185,000 $185,000 $3,101 8.25%
Danville, KY (FHA|USDA|VA) 1 $185,000 $185,000 $8,219 3.75%
DALTON, GA (FHA|USDA|VA) 1 $185,000 $185,000 $6,255 5.13%
Indiana, PA (FHA|USDA|VA) 2 $180,000 $90,000 $6,489 4.94%
SAGINAW, MI (FHA|USDA|VA) 1 $175,000 $175,000 $9,352 4.50%
Pearsall, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,118 4.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $175,000 $175,000 $5,347 4.25%
Show Low, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $6,353 4.75%
Central City, KY (FHA|USDA|VA) 1 $175,000 $175,000 $8,483 3.25%
Zanesville, OH (FHA|USDA|VA) 1 $175,000 $175,000 $1,744 3.75%
St. Marys, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,069 4.99%
Boone, NC (FHA|USDA|VA) 1 $175,000 $175,000 $8,925 3.49%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,456 4.63%
Thomasville, GA (FHA|USDA|VA) 1 $175,000 $175,000 $4,662 4.88%
Lock Haven, PA (FHA|USDA|VA) 1 $175,000 $175,000 $7,715 3.63%
Lawrenceburg, TN (FHA|USDA|VA) 1 $175,000 $175,000 $8,660 4.49%
Camden, AR (FHA|USDA|VA) 1 $165,000 $165,000 $5,953 4.75%
Sturgis, MI (FHA|USDA|VA) 1 $165,000 $165,000 $6,794 5.49%
Maryville, MO (FHA|USDA|VA) 1 $165,000 $165,000 $4,514 5.75%
Clinton, IA (FHA|USDA|VA) 1 $165,000 $165,000 $5,614 4.63%
Lexington, NE (FHA|USDA|VA) 1 $165,000 $165,000 $8,083 4.38%
TYLER, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,500 5.38%
Kerrville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,389 5.49%
Fort Dodge, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,214 3.99%
Berlin, NH (FHA|USDA|VA) 1 $155,000 $155,000 $2,786 3.99%
Orangeburg, SC (FHA|USDA|VA) 1 $155,000 $155,000 $6,412 4.25%
Amsterdam, NY (FHA|USDA|VA) 1 $155,000 $155,000 $7,512 3.75%
ENID, OK (FHA|USDA|VA) 1 $155,000 $155,000 $5,496 4.00%
Brenham, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,680 5.25%
Bardstown, KY (FHA|USDA|VA) 1 $155,000 $155,000 $5,801 3.75%
Batesville, AR (FHA|USDA|VA) 1 $155,000 $155,000 $7,029 4.75%
Washington, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,049 3.99%
Plattsburgh, NY (FHA|USDA|VA) 1 $145,000 $145,000 $2,481 3.75%
Hutchinson, KS (FHA|USDA|VA) 1 $145,000 $145,000 $2,032 3.25%
Shelby, NC (FHA|USDA|VA) 1 $145,000 $145,000 $7,489 4.63%
Las Vegas, NM (FHA|USDA|VA) 1 $145,000 $145,000 $7,594 4.38%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,307 4.13%
Big Stone Gap, VA (FHA|USDA|VA) 1 $145,000 $145,000 $7,636 4.25%
Big Spring, TX (FHA|USDA|VA) 1 $145,000 $145,000 $7,485 4.99%
Tupelo, MS (FHA|USDA|VA) 1 $145,000 $145,000 $6,077 4.75%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $145,000 $145,000 $4,353 8.95%
Wilmington, OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,728 4.25%
Adrian, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,769 4.38%
Ottawa, IL (FHA|USDA|VA) 1 $135,000 $135,000 $3,075 3.49%
Traverse City, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,774 4.25%
IOWA CITY, IA (FHA|USDA|VA) 1 $135,000 $135,000 $2,938 3.63%
Dyersburg, TN (FHA|USDA|VA) 1 $135,000 $135,000 $6,040 4.75%
Wapakoneta, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,657 4.25%
Ashland, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,705 4.25%
Palestine, TX (FHA|USDA|VA) 1 $135,000 $135,000 $6,956 4.75%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,604 3.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $6,460 4.25%
West Plains, MO (FHA|USDA|VA) 1 $125,000 $125,000 $4,970 4.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $125,000 $125,000 $5,886 4.25%
NILES, MI (FHA|USDA|VA) 1 $125,000 $125,000 $6,400 3.99%
Olean, NY (FHA|USDA|VA) 1 $125,000 $125,000 $1,482 3.63%
Urbana, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,609 4.25%
Richmond-Berea, KY (FHA|USDA|VA) 1 $125,000 $125,000 $5,561 5.75%
Findlay, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,955 3.99%
ROCHESTER, MN (FHA|USDA|VA) 1 $125,000 $125,000 $6,837 5.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,401 4.13%
Morehead City, NC (FHA|USDA|VA) 1 $125,000 $125,000 $4,391 4.88%
Ottawa, KS (FHA|USDA|VA) 1 $125,000 $125,000 $3,407 4.13%
Stillwater, OK (FHA|USDA|VA) 1 $115,000 $115,000 $6,243 3.25%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $115,000 $115,000 $4,300 4.75%
Malvern, AR (FHA|USDA|VA) 1 $115,000 $115,000 $2,821 3.75%
Clearlake, CA (FHA|USDA|VA) 1 $115,000 $115,000 $5,309 4.63%
GOLDSBORO, NC (FHA|USDA|VA) 1 $115,000 $115,000 $5,666 5.49%
Holland, MI (FHA|USDA|VA) 1 $115,000 $115,000 $6,790 5.75%
VICTORIA, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,006 4.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,057 6.00%
Albertville, AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,491 4.75%
Baraboo, WI (FHA|USDA|VA) 1 $105,000 $105,000 $4,286 3.99%
Greeneville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,419 5.13%
ROCKFORD, IL (FHA|USDA|VA) 1 $105,000 $105,000 $5,480 5.25%
Elkins, WV (FHA|USDA|VA) 1 $105,000 $105,000 $3,225 4.50%
LAFAYETTE, LA (FHA|USDA|VA) 1 $105,000 $105,000 $5,231 3.75%
MADERA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $3,060 4.38%
Fort Payne, AL (FHA|USDA|VA) 1 $105,000 $105,000 $5,888 4.13%
LAREDO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $2,986 7.50%
Marion, NC (FHA|USDA|VA) 1 $95,000 $95,000 $5,834 4.88%
Murray, KY (FHA|USDA|VA) 1 $95,000 $95,000 $6,341 3.63%
Huntsville, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,125 5.88%
Moses Lake, WA (FHA|USDA|VA) 1 $95,000 $95,000 $1,976 5.63%
Quincy, IL-MO (FHA|USDA|VA) 1 $85,000 $85,000 $3,562 4.49%
McMinnville, TN (FHA|USDA|VA) 1 $85,000 $85,000 $3,355 5.25%
Jefferson, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,466 4.50%
Warsaw, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.25%
Tiffin, OH (FHA|USDA|VA) 1 $85,000 $85,000 $3,910 3.75%
MONROE, LA (FHA|USDA|VA) 1 $75,000 $75,000 $5,438 5.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $75,000 $75,000 $6,203 5.13%
Dumas, TX (FHA|USDA|VA) 1 $75,000 $75,000 $2,789 6.00%
Vidalia, GA (FHA|USDA|VA) 1 $75,000 $75,000 $2,372 4.13%
BINGHAMTON, NY (FHA|USDA|VA) 1 $75,000 $75,000 $4,393 4.13%
Roswell, NM (FHA|USDA|VA) 1 $75,000 $75,000 $3,460 5.75%
Bogalusa, LA (FHA|USDA|VA) 1 $75,000 $75,000 $6,139 5.75%
Somerset, PA (FHA|USDA|VA) 1 $65,000 $65,000 $5,771 5.75%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $65,000 $65,000 $4,859 5.75%
Hannibal, MO (FHA|USDA|VA) 1 $65,000 $65,000 $5,217 5.75%
Roseburg, OR (FHA|USDA|VA) 1 $55,000 $55,000 $3,674 5.38%
Embrace Home Loans's top markets include Washington, New York, Boston, Baltimore, and Providence among others.

Their top states include:
  • Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,879 $1,701,065,000 $289,346 $4,617 4.49%
    FHA 3,515 $801,035,000 $227,890 $8,085 4.36%
    VA 1,703 $489,845,000 $287,637 $6,324 4.02%
    USDA 347 $63,605,000 $183,300 $5,530 4.06%

    For 2019, Embrace Home Loans's most frequently originated type of loan was Conventional, with 5,879 originations. Their 2nd most popular type was FHA, with 3,515 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,993 $1,575,375,000 $262,869 $6,218 4.41%
    Cash Out Refi 2,723 $677,555,000 $248,827 $6,786 4.68%
    Refi 2,535 $777,005,000 $306,511 $4,735 3.86%
    Other 110 $15,440,000 $140,364 $4,640 5.12%
    Home Improvement 83 $10,175,000 $122,590 $4,524 5.39%

    For 2019, Embrace Home Loans's most frequently cited loan purpose was Home Purchase, with 5,993 originations. The 2nd most popular reason was Cash Out Refi, with 2,723 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10,447 $2,822,335,000 $270,157 $6,081 4.39%
    15 Year 489 $109,415,000 $223,753 $4,867 4.06%
    20 Year 243 $59,075,000 $243,107 $4,789 4.11%
    Other 212 $52,180,000 $246,132 $5,364 3.96%
    10 Year 36 $6,460,000 $179,444 $4,833 4.17%
    30+ year 17 $6,085,000 $357,941 $12,500 4.50%

    For 2019, Embrace Home Loans's most frequently cited loan duration was 30 Year, with 10,447 originations. The 2nd most popular length was 15 Year, with 489 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 6,832 $1,934,290,000 $283,122
    $2k-3k 1,761 $383,115,000 $217,555
    $3k-4k 925 $228,325,000 $246,838
    $5k+ 436 $171,880,000 $394,220
    $4k-5k 421 $125,495,000 $298,088
    $<1k 324 $59,130,000 $182,500

    Embrace Home Loans's average total fees were $6,081, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 6,832 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 4,943 $1,504,955,000 $304,462
    4-5% 4,580 $1,155,700,000 $252,336
    5-6% 1,557 $300,225,000 $192,823
    6-7% 157 $37,215,000 $237,038
    7-8% 80 $22,760,000 $284,500
    Over 8% 65 $13,015,000 $200,231
    2.5-3% 62 $21,680,000 $349,677

    During 2019, Embrace Home Loans's average interest rate for loans was 4.39%, while their most frequently originated rate bucket for loans was 3-4%, with 4,943 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,316 $1,498,200,000 $281,828 $6,399 4.24%
    $100k-200k 3,744 $576,140,000 $153,884 $5,117 4.55%
    $400k-600k 1,432 $675,540,000 $471,746 $7,192 4.09%
    $100,000 or less 605 $42,495,000 $70,240 $3,627 5.09%
    $600k-1MM 312 $219,460,000 $703,397 $7,808 4.09%
    $1MM+ 35 $43,715,000 $1,249,000 $8,215 4.64%

    2019 saw Embrace Home Loans place emphasis on $200k-400k loans with 5,316 originations, totaling $1,498,200,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,798 $574,660,000 $205,382 $6,166 4.50%
    $100k-150k 2,226 $698,200,000 $313,657 $6,580 4.36%
    $75k-100k 1,983 $512,795,000 $258,596 $6,330 4.41%
    $50k or less 1,794 $266,100,000 $148,328 $5,310 4.57%
    $150k-250k 1,244 $501,840,000 $403,408 $6,346 4.29%
    $250k+ 396 $219,820,000 $555,101 $5,785 4.28%

    Embrace Home Loans lent most frequently to those with incomes in the $50k-75k range, with 2,798 originations. The second most popular income band? $100k-150k, with 2,226 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,813 $475,145,000 $262,077 $5,718 4.40%
    20-30% 1,539 $427,555,000 $277,814 $5,243 4.32%
    50-60% 1,080 $278,940,000 $258,278 $8,681 4.37%
    44% 555 $145,405,000 $261,991 $6,003 4.48%
    43% 498 $122,180,000 $245,341 $5,873 4.52%
    42% 469 $130,795,000 $278,881 $5,942 4.56%
    <20% 449 $118,285,000 $263,441 $4,219 4.32%
    41% 423 $114,665,000 $271,076 $5,924 4.53%
    40% 419 $112,735,000 $269,057 $5,894 4.40%
    49% 407 $108,995,000 $267,801 $6,487 4.67%
    39% 397 $106,655,000 $268,652 $6,309 4.44%
    38% 369 $102,205,000 $276,978 $5,897 4.46%
    36% 358 $89,080,000 $248,827 $5,899 4.45%
    46% 355 $89,735,000 $252,775 $6,614 4.56%
    45% 349 $96,405,000 $276,232 $6,637 4.45%
    37% 325 $88,295,000 $271,677 $6,180 4.40%
    47% 319 $80,695,000 $252,962 $6,545 4.54%
    48% 295 $77,065,000 $261,237 $6,429 4.47%
    >60% 22 $8,580,000 $390,000 $11,521 4.60%

    Embrace Home Loans lent most frequently to those with DTI ratios of 30-36%, with 1,813 originations. The next most common DTI ratio? 20-30%, with 1,539 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,680 $2,025,120,000 $263,688 $5,805 4.36%
    Not provided 2,352 $648,390,000 $275,676 $6,323 4.39%
    Black 1,070 $272,130,000 $254,327 $6,632 4.41%
    Asian 277 $88,855,000 $320,776 $5,907 4.30%
    American Indian 25 $6,875,000 $275,000 $5,175 4.08%
    Asian Indian 16 $5,630,000 $351,875 $6,474 4.06%
    Filipino 8 $3,880,000 $485,000 $9,237 3.93%
    Native Hawaiian or Islander 12 $3,380,000 $281,667 $5,939 4.51%
    Other Asian 2 $840,000 $420,000 $6,753 3.69%
    Other Pacific Islander 2 $450,000 $225,000 $8,512 3.38%

    Approval Rates

    Total approvals of all applications
    69.45%

    Embrace Home Loans has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    51.84%

    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 11,444 $3,055,550,000 $267,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 191 $25,025,000 $131,021
    Single Family (1-4 Units):Site-Built 11,253 $3,030,525,000 $269,308

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 185 $31,535,000 $170,459 $4,192 4.64%
    40-60% 599 $143,505,000 $239,574 $4,419 4.38%
    60-80% 2,732 $785,590,000 $287,551 $5,142 4.53%
    80-100% 7,391 $1,962,355,000 $265,506 $6,446 4.32%
    Over 100% 444 $130,070,000 $292,950 $7,304 3.86%
    Under 20% 93 $2,495,000 $26,828 $543 5.32%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    EMBRACE HOME LOANS FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 50.0%
    EMBRACE HOME LOANS FHA mortgage Trouble during payment process 2 50.0%