Np Mortgage Rates, Fees & Info

Delray Beach, FL

LEI: 2549004Z576VEJBK3N72

Tax ID: 65-0709224

5 stars - out of 5 stars, based on 74 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Np is a small mortgage company specializing in Refi and Home Purchase loans. Np 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 West Palm Beach, Fort Lauderdale, Miami, New Brunswick, and Washington among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Np is typically an average fee lendor.


Originations

5,448

Origination Dollar Volume (All Markets)

$1,538,870,000
Show all (77) awards

Relative Rate

Np 's average 30 year fixed rate mortgage of loans were 2.98%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.38%.

Relative Fees

Np 's average total fees for a 30 year fixed rate mortgage are $5,777.

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 $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 711 $214,975,000 $302,356 $5,685 3.25%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 630 $197,690,000 $313,794 $6,263 3.22%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 298 $100,990,000 $338,893 $7,604 3.03%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 202 $59,720,000 $295,644 $6,389 3.08%
Outside of Metro Areas 245 $55,935,000 $228,306 $4,750 2.76%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 117 $50,075,000 $427,991 $7,671 2.78%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 165 $42,595,000 $258,152 $5,356 3.21%
COLORADO SPRINGS, CO (FHA|USDA|VA) 87 $27,775,000 $319,253 $5,355 2.71%
PORT ST. LUCIE, FL (FHA|USDA|VA) 109 $27,615,000 $253,349 $5,847 3.16%
JACKSONVILLE, FL (FHA|USDA|VA) 91 $27,195,000 $298,846 $5,051 2.96%
NEWARK, NJ-PA (FHA|USDA|VA) 81 $26,165,000 $323,025 $6,129 3.03%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 100 $24,840,000 $248,400 $5,515 2.94%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 74 $24,410,000 $329,865 $6,048 3.09%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 94 $23,580,000 $250,851 $5,378 2.71%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 70 $21,640,000 $309,143 $6,125 2.82%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 59 $20,805,000 $352,627 $6,671 3.14%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 66 $17,050,000 $258,333 $5,056 2.64%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 50 $16,780,000 $335,600 $5,348 2.70%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 59 $15,835,000 $268,390 $5,006 2.72%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 53 $15,325,000 $289,151 $5,927 2.58%
RICHMOND, VA (FHA|USDA|VA) 48 $13,320,000 $277,500 $5,260 3.01%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 39 $12,985,000 $332,949 $4,518 3.20%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 43 $12,195,000 $283,605 $6,682 2.94%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 48 $11,780,000 $245,417 $5,604 2.67%
PHILADELPHIA, PA (FHA|USDA|VA) 57 $11,485,000 $201,491 $6,084 3.05%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 29 $11,455,000 $395,000 $6,065 2.72%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 38 $10,910,000 $287,105 $6,238 2.94%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 46 $10,810,000 $235,000 $4,728 2.76%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 42 $9,760,000 $232,381 $5,249 2.95%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 40 $9,320,000 $233,000 $5,695 2.92%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 26 $9,320,000 $358,462 $6,358 2.50%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 39 $8,595,000 $220,385 $4,369 3.15%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 29 $8,485,000 $292,586 $4,748 2.67%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 17 $8,475,000 $498,529 $6,637 2.79%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 27 $8,065,000 $298,704 $5,541 2.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 20 $7,900,000 $395,000 $7,140 2.45%
CAMDEN, NJ (FHA|USDA|VA) 33 $7,805,000 $236,515 $5,861 2.98%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 28 $7,630,000 $272,500 $4,872 2.65%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 23 $7,475,000 $325,000 $5,590 3.29%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 31 $6,485,000 $209,194 $4,402 3.06%
TUCSON, AZ (FHA|USDA|VA) 24 $5,930,000 $247,083 $4,576 2.70%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 26 $5,860,000 $225,385 $6,157 3.11%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 24 $5,690,000 $237,083 $3,882 2.81%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 23 $5,685,000 $247,174 $5,518 3.28%
RALEIGH-CARY, NC (FHA|USDA|VA) 22 $5,280,000 $240,000 $4,805 2.65%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 16 $5,200,000 $325,000 $7,364 2.78%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 17 $5,195,000 $305,588 $5,125 2.68%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 21 $5,055,000 $240,714 $4,894 2.65%
COLUMBIA, SC (FHA|USDA|VA) 20 $5,000,000 $250,000 $4,455 2.66%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 20 $4,740,000 $237,000 $6,988 3.39%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 16 $4,700,000 $293,750 $4,757 2.59%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 25 $4,475,000 $179,000 $3,982 2.85%
PITTSBURGH, PA (FHA|USDA|VA) 19 $4,345,000 $228,684 $6,180 3.13%
RENO, NV (FHA|USDA|VA) 14 $4,230,000 $302,143 $5,041 2.57%
FAYETTEVILLE, NC (FHA|USDA|VA) 19 $4,055,000 $213,421 $4,351 2.62%
HUNTSVILLE, AL (FHA|USDA|VA) 15 $3,805,000 $253,667 $4,346 2.71%
ALBUQUERQUE, NM (FHA|USDA|VA) 19 $3,795,000 $199,737 $4,640 2.82%
SAVANNAH, GA (FHA|USDA|VA) 15 $3,745,000 $249,667 $5,499 2.50%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 15 $3,665,000 $244,333 $4,671 2.70%
ASHEVILLE, NC (FHA|USDA|VA) 12 $3,640,000 $303,333 $4,194 2.98%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 17 $3,605,000 $212,059 $5,397 3.23%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 17 $3,565,000 $209,706 $4,965 2.78%
OKLAHOMA CITY, OK (FHA|USDA|VA) 15 $3,565,000 $237,667 $4,311 2.75%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 12 $3,540,000 $295,000 $6,889 2.50%
GREELEY, CO (FHA|USDA|VA) 11 $3,405,000 $309,545 $6,994 2.82%
COLUMBUS, OH (FHA|USDA|VA) 14 $3,370,000 $240,714 $4,310 2.67%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 12 $3,340,000 $278,333 $5,095 2.56%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 15 $3,255,000 $217,000 $4,398 2.67%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 15 $3,245,000 $216,333 $5,624 3.18%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 14 $3,220,000 $230,000 $5,795 2.97%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 13 $3,195,000 $245,769 $5,484 2.80%
PUEBLO, CO (FHA|USDA|VA) 12 $3,150,000 $262,500 $4,163 2.99%
SALISBURY, MD-DE (FHA|USDA|VA) 10 $3,150,000 $315,000 $5,651 2.50%
VALLEJO, CA (FHA|USDA|VA) 8 $3,110,000 $388,750 $6,201 2.59%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $3,105,000 $238,846 $6,543 2.54%
WINSTON-SALEM, NC (FHA|USDA|VA) 15 $3,075,000 $205,000 $4,956 2.57%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 9 $3,075,000 $341,667 $7,016 2.36%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 12 $3,050,000 $254,167 $6,125 2.75%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 6 $3,020,000 $503,333 $10,434 2.98%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 14 $2,940,000 $210,000 $5,511 3.29%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 13 $2,855,000 $219,615 $4,522 2.69%
KANSAS CITY, MO-KS (FHA|USDA|VA) 12 $2,800,000 $233,333 $5,255 2.53%
STOCKTON, CA (FHA|USDA|VA) 7 $2,765,000 $395,000 $5,507 2.48%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 7 $2,625,000 $375,000 $5,065 2.68%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 11 $2,605,000 $236,818 $4,494 2.66%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $2,605,000 $289,444 $4,919 2.74%
TULSA, OK (FHA|USDA|VA) 11 $2,555,000 $232,273 $4,511 2.72%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 7 $2,515,000 $359,286 $6,454 2.77%
WILMINGTON, NC (FHA|USDA|VA) 9 $2,505,000 $278,333 $5,462 2.89%
MONTGOMERY, AL (FHA|USDA|VA) 11 $2,465,000 $224,091 $4,994 2.51%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $2,410,000 $241,000 $3,997 2.70%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 11 $2,385,000 $216,818 $4,748 2.82%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 11 $2,255,000 $205,000 $3,566 2.59%
OCEAN CITY, NJ (FHA|USDA|VA) 9 $2,245,000 $249,444 $4,871 2.81%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 10 $2,200,000 $220,000 $4,545 2.54%
KNOXVILLE, TN (FHA|USDA|VA) 10 $2,190,000 $219,000 $5,951 2.87%
SALEM, OR (FHA|USDA|VA) 8 $2,130,000 $266,250 $7,503 2.55%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $2,095,000 $299,286 $7,050 2.95%
JACKSONVILLE, NC (FHA|USDA|VA) 11 $2,045,000 $185,909 $5,107 2.83%
FRESNO, CA (FHA|USDA|VA) 8 $1,980,000 $247,500 $7,996 2.58%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 10 $1,950,000 $195,000 $4,510 2.92%
WARNER ROBINS, GA (FHA|USDA|VA) 9 $1,935,000 $215,000 $4,383 2.79%
OCALA, FL (FHA|USDA|VA) 8 $1,930,000 $241,250 $5,096 2.97%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 9 $1,905,000 $211,667 $4,615 2.65%
ST. LOUIS, MO-IL (FHA|USDA|VA) 10 $1,900,000 $190,000 $3,699 2.98%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 8 $1,890,000 $236,250 $4,602 2.61%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $1,870,000 $233,750 $5,029 3.03%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 9 $1,855,000 $206,111 $4,923 3.00%
MOBILE, AL (FHA|USDA|VA) 9 $1,825,000 $202,778 $4,904 2.61%
YUBA CITY, CA (FHA|USDA|VA) 6 $1,820,000 $303,333 $4,791 2.42%
YORK-HANOVER, PA (FHA|USDA|VA) 10 $1,820,000 $182,000 $4,810 3.03%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 7 $1,785,000 $255,000 $6,731 2.82%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,755,000 $585,000 $7,874 2.63%
GARY, IN (FHA|USDA|VA) 9 $1,725,000 $191,667 $6,056 3.10%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,670,000 $278,333 $6,106 2.71%
PANAMA CITY, FL (FHA|USDA|VA) 7 $1,645,000 $235,000 $4,924 2.91%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 5 $1,525,000 $305,000 $3,954 2.90%
WINCHESTER, VA-WV (FHA|USDA|VA) 6 $1,500,000 $250,000 $6,548 2.67%
WICHITA, KS (FHA|USDA|VA) 8 $1,500,000 $187,500 $5,333 2.69%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 5 $1,485,000 $297,000 $3,780 2.77%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 6 $1,450,000 $241,667 $4,250 2.73%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 5 $1,425,000 $285,000 $6,080 2.85%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $1,320,000 $220,000 $5,667 2.65%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $1,320,000 $220,000 $4,361 2.67%
ROANOKE, VA (FHA|USDA|VA) 4 $1,320,000 $330,000 $8,067 2.91%
EL PASO, TX (FHA|USDA|VA) 5 $1,315,000 $263,000 $5,221 2.55%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,315,000 $263,000 $4,839 2.45%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $1,265,000 $180,714 $3,048 2.91%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 5 $1,235,000 $247,000 $5,797 2.45%
FORT COLLINS, CO (FHA|USDA|VA) 4 $1,230,000 $307,500 $6,416 3.03%
AMARILLO, TX (FHA|USDA|VA) 6 $1,210,000 $201,667 $5,920 3.27%
SPARTANBURG, SC (FHA|USDA|VA) 5 $1,205,000 $241,000 $3,276 2.58%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $1,205,000 $241,000 $6,159 2.35%
TUSCALOOSA, AL (FHA|USDA|VA) 6 $1,200,000 $200,000 $4,650 2.69%
SANTA FE, NM (FHA|USDA|VA) 5 $1,185,000 $237,000 $3,128 2.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 7 $1,185,000 $169,286 $4,104 3.23%
SALINAS, CA (FHA|USDA|VA) 2 $1,180,000 $590,000 $9,088 2.81%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $1,175,000 $235,000 $5,146 2.53%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,175,000 $235,000 $4,907 2.65%
BOULDER, CO (FHA|USDA|VA) 4 $1,160,000 $290,000 $5,205 2.78%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,145,000 $381,667 $6,180 2.46%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 5 $1,115,000 $223,000 $3,821 2.73%
MODESTO, CA (FHA|USDA|VA) 4 $1,090,000 $272,500 $5,961 2.63%
YAKIMA, WA (FHA|USDA|VA) 5 $1,045,000 $209,000 $4,188 3.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $1,035,000 $345,000 $5,151 2.87%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 5 $955,000 $191,000 $3,866 2.58%
WALLA WALLA, WA (FHA|USDA|VA) 4 $950,000 $237,500 $5,614 2.72%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 6 $950,000 $158,333 $5,104 3.23%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $925,000 $308,333 $4,092 2.71%
BATON ROUGE, LA (FHA|USDA|VA) 4 $900,000 $225,000 $4,807 2.81%
GRANTS PASS, OR (FHA|USDA|VA) 3 $885,000 $295,000 $5,605 2.42%
VISALIA, CA (FHA|USDA|VA) 4 $880,000 $220,000 $4,444 2.88%
ELGIN, IL (FHA|USDA|VA) 3 $845,000 $281,667 $3,781 2.79%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $830,000 $207,500 $4,448 2.63%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $830,000 $207,500 $5,977 2.91%
DOVER, DE (FHA|USDA|VA) 4 $820,000 $205,000 $4,966 2.53%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $810,000 $202,500 $3,462 2.75%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $800,000 $200,000 $4,256 2.63%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $795,000 $265,000 $5,856 2.42%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $785,000 $261,667 $4,621 3.13%
DOTHAN, AL (FHA|USDA|VA) 2 $780,000 $390,000 $9,433 3.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $770,000 $192,500 $4,670 2.56%
LAS CRUCES, NM (FHA|USDA|VA) 4 $750,000 $187,500 $5,626 2.63%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $745,000 $248,333 $4,251 2.92%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $730,000 $365,000 $4,478 2.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 3 $725,000 $241,667 $3,974 2.58%
BURLINGTON, NC (FHA|USDA|VA) 4 $720,000 $180,000 $3,939 3.16%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $715,000 $238,333 $5,854 2.58%
JACKSON, TN (FHA|USDA|VA) 4 $710,000 $177,500 $4,054 2.75%
BELLINGHAM, WA (FHA|USDA|VA) 3 $695,000 $231,667 $4,473 2.63%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 1 $675,000 $675,000 $9,739 2.75%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $675,000 $225,000 $5,073 2.25%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $675,000 $225,000 $3,343 2.58%
LONGVIEW, WA (FHA|USDA|VA) 3 $675,000 $225,000 $8,509 2.58%
VICTORIA, TX (FHA|USDA|VA) 2 $670,000 $335,000 $6,020 2.69%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $665,000 $221,667 $3,878 2.58%
LUBBOCK, TX (FHA|USDA|VA) 3 $665,000 $221,667 $3,749 3.46%
MIDLAND, TX (FHA|USDA|VA) 2 $660,000 $330,000 $7,128 3.87%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $655,000 $218,333 $6,404 2.42%
CHICO, CA (FHA|USDA|VA) 2 $630,000 $315,000 $5,126 2.75%
REDDING, CA (FHA|USDA|VA) 2 $620,000 $310,000 $5,843 2.50%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 3 $615,000 $205,000 $5,565 2.58%
HINESVILLE, GA (FHA|USDA|VA) 3 $615,000 $205,000 $3,952 2.92%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 3 $605,000 $201,667 $4,015 2.88%
LANCASTER, PA (FHA|USDA|VA) 2 $570,000 $285,000 $5,718 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $565,000 $188,333 $5,174 2.58%
ALEXANDRIA, LA (FHA|USDA|VA) 2 $550,000 $275,000 $7,221 2.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $535,000 $178,333 $5,213 2.83%
LEBANON, PA (FHA|USDA|VA) 3 $535,000 $178,333 $5,780 2.46%
PEORIA, IL (FHA|USDA|VA) 2 $510,000 $255,000 $5,111 2.75%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $500,000 $250,000 $5,284 2.50%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $500,000 $250,000 $3,826 3.00%
NEW BERN, NC (FHA|USDA|VA) 2 $500,000 $250,000 $3,966 2.75%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $485,000 $161,667 $6,462 3.25%
MEDFORD, OR (FHA|USDA|VA) 2 $480,000 $240,000 $3,418 2.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $480,000 $240,000 $4,911 2.56%
ANN ARBOR, MI (FHA|USDA|VA) 2 $470,000 $235,000 $3,747 2.81%
VALDOSTA, GA (FHA|USDA|VA) 2 $470,000 $235,000 $7,401 2.88%
BRUNSWICK, GA (FHA|USDA|VA) 2 $460,000 $230,000 $3,237 3.06%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $450,000 $225,000 $3,688 2.75%
MORRISTOWN, TN (FHA|USDA|VA) 2 $440,000 $220,000 $4,568 2.56%
DECATUR, AL (FHA|USDA|VA) 2 $430,000 $215,000 $5,454 2.50%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $420,000 $210,000 $4,102 2.50%
GAINESVILLE, FL (FHA|USDA|VA) 2 $420,000 $210,000 $5,017 2.50%
THE VILLAGES, FL (FHA|USDA|VA) 2 $410,000 $205,000 $2,930 3.06%
HAMMOND, LA (FHA|USDA|VA) 2 $410,000 $205,000 $4,546 2.94%
MERCED, CA (FHA|USDA|VA) 2 $410,000 $205,000 $5,051 3.13%
WENATCHEE, WA (FHA|USDA|VA) 1 $405,000 $405,000 $2,751 2.25%
MADERA, CA (FHA|USDA|VA) 2 $400,000 $200,000 $3,864 3.00%
LAWTON, OK (FHA|USDA|VA) 2 $390,000 $195,000 $4,348 3.00%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $385,000 $385,000 $4,885 3.00%
GETTYSBURG, PA (FHA|USDA|VA) 2 $380,000 $190,000 $5,667 3.75%
MANHATTAN, KS (FHA|USDA|VA) 2 $380,000 $190,000 $5,386 2.50%
TYLER, TX (FHA|USDA|VA) 2 $370,000 $185,000 $6,356 3.38%
GOLDSBORO, NC (FHA|USDA|VA) 2 $370,000 $185,000 $3,367 2.88%
ODESSA, TX (FHA|USDA|VA) 2 $370,000 $185,000 $5,052 3.19%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $370,000 $185,000 $3,061 2.94%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $355,000 $118,333 $4,460 3.46%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $340,000 $170,000 $3,306 2.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $340,000 $170,000 $4,233 2.88%
FARMINGTON, NM (FHA|USDA|VA) 2 $340,000 $170,000 $4,908 2.81%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 2 $340,000 $170,000 $4,559 2.50%
READING, PA (FHA|USDA|VA) 1 $335,000 $335,000 $5,497 3.00%
DULUTH, MN-WI (FHA|USDA|VA) 2 $330,000 $165,000 $3,824 3.06%
SUMTER, SC (FHA|USDA|VA) 2 $330,000 $165,000 $2,845 2.75%
DALTON, GA (FHA|USDA|VA) 1 $325,000 $325,000 $6,737 2.50%
AMES, IA (FHA|USDA|VA) 2 $320,000 $160,000 $4,095 2.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $320,000 $160,000 $7,919 4.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $320,000 $160,000 $3,459 3.00%
LYNCHBURG, VA (FHA|USDA|VA) 2 $320,000 $160,000 $5,313 3.31%
JACKSON, MS (FHA|USDA|VA) 1 $315,000 $315,000 $2,940 3.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $310,000 $155,000 $3,005 3.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $295,000 $295,000 $1,737 2.75%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $295,000 $295,000 $6,252 2.25%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $275,000 $275,000 $6,656 2.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $275,000 $275,000 $7,775 2.75%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $275,000 $275,000 $4,737 2.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $275,000 $275,000 $6,568 2.25%
MUSKEGON, MI (FHA|USDA|VA) 2 $270,000 $135,000 $4,176 2.87%
GAINESVILLE, GA (FHA|USDA|VA) 1 $265,000 $265,000 $3,521 3.12%
LAREDO, TX (FHA|USDA|VA) 1 $265,000 $265,000 $1,536 2.75%
SAN ANGELO, TX (FHA|USDA|VA) 1 $265,000 $265,000 $4,371 2.25%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $260,000 $130,000 $3,187 3.81%
GREENVILLE, NC (FHA|USDA|VA) 1 $255,000 $255,000 $5,227 2.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $245,000 $245,000 $2,385 2.25%
MADISON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.13%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $225,000 $225,000 $3,527 2.75%
CORVALLIS, OR (FHA|USDA|VA) 1 $225,000 $225,000 $4,916 2.25%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $4,274 2.63%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $215,000 $215,000 $2,447 3.25%
GREEN BAY, WI (FHA|USDA|VA) 1 $215,000 $215,000 $3,757 2.25%
STAUNTON, VA (FHA|USDA|VA) 1 $215,000 $215,000 $2,896 2.75%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $7,135 2.25%
FOND DU LAC, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,505 3.13%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $6,104 2.75%
ROCKFORD, IL (FHA|USDA|VA) 1 $195,000 $195,000 $3,648 2.88%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $195,000 $195,000 $2,937 2.75%
TOLEDO, OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,566 2.75%
BAY CITY, MI (FHA|USDA|VA) 1 $185,000 $185,000 $3,281 2.75%
MONROE, MI (FHA|USDA|VA) 1 $185,000 $185,000 $4,389 2.75%
MANSFIELD, OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,081 2.75%
YUMA, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $4,160 2.50%
APPLETON, WI (FHA|USDA|VA) 1 $175,000 $175,000 $3,854 3.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $175,000 $175,000 $1,694 2.75%
GADSDEN, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,342 2.75%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $5,722 2.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $175,000 $175,000 $6,059 3.88%
LAFAYETTE, LA (FHA|USDA|VA) 1 $175,000 $175,000 $9,197 2.63%
RACINE, WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,741 2.25%
HATTIESBURG, MS (FHA|USDA|VA) 1 $165,000 $165,000 $5,320 2.25%
TOPEKA, KS (FHA|USDA|VA) 1 $165,000 $165,000 $4,453 3.00%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,748 3.13%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,906 2.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,478 2.75%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $165,000 $165,000 $4,431 2.25%
FLORENCE, SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,350 2.75%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $165,000 $165,000 $6,873 2.63%
LAWRENCE, KS (FHA|USDA|VA) 1 $165,000 $165,000 $3,201 3.25%
AKRON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $4,578 3.50%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,722 2.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $165,000 $165,000 $5,045 2.75%
FLINT, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,728 2.75%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $3,480 2.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,776 2.75%
FARGO, ND-MN (FHA|USDA|VA) 1 $155,000 $155,000 $3,831 2.88%
IOWA CITY, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,305 2.75%
DANVILLE, IL (FHA|USDA|VA) 1 $145,000 $145,000 $5,654 4.50%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,516 4.13%
WACO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,839 2.88%

Np 's top markets include West Palm Beach, Fort Lauderdale, Miami, New Brunswick, and Washington among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,675 $787,775,000 $294,495 $5,094 3.22%
VA 2,064 $562,170,000 $272,369 $5,147 2.60%
FHA 705 $188,245,000 $267,014 $9,523 3.05%
USDA 4 $680,000 $170,000 $5,719 3.53%

For the 2020 period, Np 's most frequently originated loan type of loans were Conventional, with 2,675 originations. Their 2nd most popular type is VA, with 2,064 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 3,763 $1,029,705,000 $273,639 $5,182 2.85%
Home Purchase 1,685 $509,165,000 $302,175 $6,838 3.23%

For the 2020, Np 's most frequently cited loan purpose of loans were Refi, with 3,763 originations. The 2nd most popular reason of loans were Home Purchase, with 1,685 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 4,945 $1,408,725,000 $284,879 $5,777 2.98%
15 Year 244 $65,130,000 $266,926 $4,797 2.73%
20 Year 121 $28,435,000 $235,000 $4,871 2.79%
Other 117 $31,555,000 $269,701 $4,957 2.75%
30+ year 11 $3,155,000 $286,818 $13,916 6.08%
10 Year 10 $1,870,000 $187,000 $3,464 2.76%

For the 2020, Np 's most frequently cited loan length of loans were 30 Year, with 4,945 originations. The 2nd most popular length of loans were 15 Year, with 244 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 2,893 $816,735,000 $282,314
$3k-4k 1,036 $276,420,000 $266,815
$2k-3k 706 $171,660,000 $243,144
$5k+ 507 $193,365,000 $381,391
$<1k 281 $73,695,000 $262,260

$5,777 of loans were Np 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,893 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 2,469 $693,035,000 $280,695
3-4% 1,553 $426,125,000 $274,388
<2.5% 1,204 $353,240,000 $293,389
4-5% 150 $37,700,000 $251,333
5-6% 34 $15,310,000 $450,294
6-7% 29 $11,255,000 $388,103
7-8% 7 $1,735,000 $247,857
Over 8% 2 $470,000 $235,000

During 2020, Np 's average interest rate of loans were 2.98%, while their most frequently originated rate bucket of loans were 2.5-3%, with 2,469 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,073 $872,285,000 $283,855 $5,958 2.90%
$100k-200k 1,482 $244,430,000 $164,933 $4,358 3.05%
$400k-600k 719 $336,135,000 $467,503 $6,699 2.98%
$100,000 or less 83 $6,845,000 $82,470 $3,559 3.54%
$600k-1MM 73 $50,905,000 $697,329 $10,146 2.98%
$1MM+ 18 $28,270,000 $1,570,556 $23,853 3.95%

2020 saw Np place emphasis on $200k-400k loans with 3,073 originations, totaling $872,285,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 2,421 $608,295,000 $251,258 $5,070 2.72%
$100k-150k 841 $268,535,000 $319,304 $5,896 3.14%
$50k-75k 802 $186,640,000 $232,718 $6,315 3.13%
$75k-100k 679 $187,975,000 $276,841 $6,424 3.19%
$150k-250k 486 $177,950,000 $366,152 $5,742 3.15%
$250k+ 216 $108,690,000 $503,194 $7,207 3.26%

Np lent most frequently to those with incomes in the $50k or less range, with 2,421 originations. The second most popular income band? $100k-150k, with 841 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 576 $167,210,000 $290,295 $5,501 3.13%
20-30% 564 $159,990,000 $283,670 $4,968 3.11%
50-60% 237 $68,685,000 $289,810 $10,141 2.98%
44% 191 $57,145,000 $299,188 $6,478 3.19%
<20% 161 $51,045,000 $317,050 $5,052 3.10%
43% 159 $45,295,000 $284,874 $5,871 3.17%
49% 151 $46,895,000 $310,563 $6,744 3.21%
41% 143 $46,415,000 $324,580 $6,192 3.28%
39% 140 $43,380,000 $309,857 $6,149 3.21%
42% 132 $37,670,000 $285,379 $5,953 3.26%
40% 128 $36,160,000 $282,500 $5,890 3.23%
37% 126 $39,100,000 $310,317 $5,710 3.13%
48% 122 $34,740,000 $284,754 $6,442 3.21%
38% 118 $33,020,000 $279,831 $5,398 3.15%
46% 117 $32,185,000 $275,085 $6,935 3.29%
47% 109 $29,605,000 $271,606 $6,644 3.19%
45% 109 $31,755,000 $291,330 $6,352 3.15%
36% 96 $28,670,000 $298,646 $5,415 3.16%
>60% 25 $7,645,000 $305,800 $9,433 4.63%

Np lent most frequently to those with DTI ratios of 30-36%, with 576 originations. The next most common DTI ratio? 20-30%, with 564 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 4,340 $1,227,120,000 $282,747 $5,597 2.97%
Black 750 $204,260,000 $272,347 $6,201 2.95%
Not provided 215 $63,125,000 $293,605 $5,872 2.87%
Asian 115 $37,395,000 $325,174 $5,688 3.24%
American Indian 20 $5,010,000 $250,500 $5,539 2.89%
Native Hawaiian 7 $1,585,000 $226,429 $5,829 2.95%
1 $375,000 $375,000 $7,649 2.75%

Approval Rates

Total approvals of all applications
91.04%

Np has an average approval rate.

Pick Rate

Approvals leading to origination
74.34%

Np has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 5,448 $1,538,870,000 $282,465

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 5 $1,225,000 $245,000
Single Family (1-4 Units):Site-Built 5,443 $1,537,645,000 $282,500

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 108 $26,360,000 $244,074 $4,794 2.91%
40-60% 486 $131,890,000 $271,379 $4,818 2.87%
60-80% 1,871 $524,275,000 $280,211 $5,100 3.07%
80-100% 2,925 $835,535,000 $285,653 $6,108 2.92%
Over 100% 50 $18,790,000 $375,800 $13,821 2.95%
Under 20% 8 $2,020,000 $252,500 $4,736 2.61%