Np Mortgage Rates, Fees & Info

Delray Beach, FL

LEI: 2549004Z576VEJBK3N72

Tax ID: 65-0709224

1 stars - Updated: 5/20/24 - out of 5 stars, based on 43 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Np is a smaller mortgage company specializing in Home Purchase and Refi 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 by origination volume include: Miami, Los Angeles, New York, San Diego, and Dallas among others. We have data for 208 markets. (Some data included below & more in-depth data is available with an active subscription.)

Np 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. Np is typically a high 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 relatively high 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 7.16% 5/20/24
30 Year Conventional Refi 6.49% 5/20/24
30 Year Cash-out Refi 6.50% 5/20/24
30 Year FHA Purchase 7.53% 5/20/24
30 Year FHA Refi 6.99% 5/20/24
30 Year VA Purchase 6.25% 5/20/24
30 Year VA Refi 5.43% 5/20/24
30 Year USDA Purchase 6.81% 5/20/24
15 Year Conventional Purchase 6.15% 5/20/24
15 Year Conventional Refi 5.67% 5/20/24
15 Year Cash-out Refi 5.67% 5/20/24
15 Year VA Refi 5.78% 5/20/24
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.

Np Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Np. 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

1,808

Origination Dollar Volume (All Markets)

$984,320,000

Awards

NP FHA Loans bronze
Show all (1) awards

Relative Rate

Np's average 30 year fixed mortgage rate was 8.18%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 1.7%.

Relative Fees (Closing Costs)

Np's average total fees/closing costs for a 30 year fixed rate mortgage were $14,137.

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 $9,089.

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
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 318 $164,400,000 $516,981 $15,180 7.72%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 100 $116,600,000 $1,166,000 $20,393 8.61%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 157 $115,375,000 $734,873 $16,126 8.46%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 57 $45,565,000 $799,386 $25,123 7.92%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 40 $28,000,000 $700,000 $17,515 8.30%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 56 $25,430,000 $454,107 $9,729 8.31%
PORT ST. LUCIE, FL (FHA|USDA|VA) 60 $25,020,000 $417,000 $14,042 7.01%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 20 $22,430,000 $1,121,500 $28,094 8.41%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 37 $21,345,000 $576,892 $13,307 8.62%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 44 $20,510,000 $466,136 $9,709 9.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 33 $18,785,000 $569,242 $14,900 8.69%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 41 $18,445,000 $449,878 $12,447 8.55%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 44 $15,990,000 $363,409 $11,219 8.91%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 23 $13,895,000 $604,130 $19,955 7.81%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 28 $13,620,000 $486,429 $11,256 7.74%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 34 $13,110,000 $385,588 $13,010 8.76%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 22 $12,660,000 $575,455 $16,115 8.68%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 32 $11,990,000 $374,688 $12,723 8.49%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 22 $11,680,000 $530,909 $9,430 8.67%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 11 $10,485,000 $953,182 $26,435 8.92%
ST. LOUIS, MO-IL (FHA|USDA|VA) 41 $10,205,000 $248,902 $6,520 6.90%
Outside of Metro Areas 28 $10,180,000 $363,571 $12,575 7.98%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 22 $8,690,000 $395,000 $11,899 7.84%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 18 $8,650,000 $480,556 $15,627 8.26%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 12 $8,620,000 $718,333 $19,385 7.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 7 $7,535,000 $1,076,429 $18,574 8.48%
Heber, UT (FHA|USDA|VA) 5 $6,795,000 $1,359,000 $24,630 8.32%
Clewiston, FL (FHA|USDA|VA) 29 $6,725,000 $231,897 $13,742 6.27%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $6,680,000 $556,667 $10,668 7.73%
WORCESTER, MA-CT (FHA|USDA|VA) 11 $6,305,000 $573,182 $15,363 8.67%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 5 $6,295,000 $1,259,000 $27,936 8.97%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 11 $5,125,000 $465,909 $13,986 8.57%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $5,060,000 $1,265,000 $22,233 7.87%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 10 $4,760,000 $476,000 $12,837 8.44%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 9 $4,495,000 $499,444 $9,588 8.54%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 15 $4,415,000 $294,333 $10,459 8.47%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 7 $4,225,000 $603,571 $12,882 8.36%
FRESNO, CA (FHA|USDA|VA) 8 $3,510,000 $438,750 $14,386 8.36%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 6 $3,350,000 $558,333 $12,859 9.31%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 7 $3,245,000 $463,571 $11,390 7.84%
STOCKTON, CA (FHA|USDA|VA) 8 $3,110,000 $388,750 $12,348 9.03%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 8 $3,030,000 $378,750 $15,016 9.31%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $2,680,000 $670,000 $7,914 9.19%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 6 $2,680,000 $446,667 $7,860 9.73%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $2,660,000 $665,000 $23,501 8.34%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $2,660,000 $443,333 $12,156 8.77%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $2,600,000 $650,000 $21,058 7.86%
ASHEVILLE, NC (FHA|USDA|VA) 7 $2,585,000 $369,286 $14,382 7.59%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 10 $2,570,000 $257,000 $12,088 6.77%
JACKSONVILLE, FL (FHA|USDA|VA) 10 $2,550,000 $255,000 $11,519 8.01%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $2,290,000 $381,667 $10,268 8.27%
PUNTA GORDA, FL (FHA|USDA|VA) 8 $2,260,000 $282,500 $10,768 7.73%
Edwards, CO (FHA|USDA|VA) 1 $2,205,000 $2,205,000 $73,265 8.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $2,060,000 $257,500 $9,177 8.30%
Kill Devil Hills, NC (FHA|USDA|VA) 4 $2,060,000 $515,000 $15,894 8.47%
Kalispell, MT (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $170 8.75%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $1,915,000 $638,333 $14,087 8.83%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $1,755,000 $585,000 $21,461 7.00%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 8 $1,680,000 $210,000 $6,431 9.66%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 9 $1,625,000 $180,556 $5,242 6.85%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $1,610,000 $268,333 $9,740 8.25%
VALLEJO, CA (FHA|USDA|VA) 4 $1,600,000 $400,000 $13,190 9.53%
MODESTO, CA (FHA|USDA|VA) 4 $1,600,000 $400,000 $16,680 9.03%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $1,495,000 $498,333 $11,640 8.54%
VISALIA, CA (FHA|USDA|VA) 3 $1,455,000 $485,000 $18,221 8.21%
SALEM, OR (FHA|USDA|VA) 4 $1,450,000 $362,500 $14,926 8.31%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $1,445,000 $1,445,000 $55,004 7.87%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $1,435,000 $1,435,000 $29,920 7.62%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $1,435,000 $478,333 $8,851 7.67%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $1,385,000 $461,667 $16,480 8.58%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,375,000 $458,333 $8,358 7.54%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $1,360,000 $340,000 $3,075 8.78%
Breckenridge, CO (FHA|USDA|VA) 1 $1,305,000 $1,305,000 $4,133 8.75%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $1,305,000 $1,305,000 $30,775 7.63%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $1,255,000 $251,000 $9,446 8.42%
DALTON, GA (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $40,819 9.25%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $1,195,000 $239,000 $10,568 8.45%
MADERA, CA (FHA|USDA|VA) 3 $1,135,000 $378,333 $11,555 8.87%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $1,135,000 $378,333 $8,356 7.96%
MEDFORD, OR (FHA|USDA|VA) 1 $1,075,000 $1,075,000 $36,491 9.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $1,060,000 $530,000 $3,972 6.81%
MORRISTOWN, TN (FHA|USDA|VA) 2 $1,060,000 $530,000 $17,409 8.50%
PITTSBURGH, PA (FHA|USDA|VA) 2 $1,040,000 $520,000 $19,215 8.12%
PANAMA CITY, FL (FHA|USDA|VA) 2 $1,020,000 $510,000 $21,406 9.50%
Torrington, CT (FHA|USDA|VA) 3 $965,000 $321,667 $4,473 8.83%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $960,000 $480,000 $4,653 11.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $950,000 $475,000 $12,386 9.12%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $945,000 $315,000 $9,736 7.04%
YUMA, AZ (FHA|USDA|VA) 1 $945,000 $945,000 $7,287 9.50%
BOISE CITY, ID (FHA|USDA|VA) 2 $930,000 $465,000 $15,592 7.94%
EL PASO, TX (FHA|USDA|VA) 2 $920,000 $460,000 $16,887 9.06%
OCALA, FL (FHA|USDA|VA) 4 $910,000 $227,500 $13,207 7.87%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $905,000 $905,000 $12,047 10.37%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $885,000 $295,000 $10,774 9.17%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $870,000 $435,000 $14,843 8.94%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $855,000 $855,000 $31,093 8.75%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $835,000 $835,000 $17,406 8.75%
LAKE CHARLES, LA (FHA|USDA|VA) 7 $835,000 $119,286 $5,667 6.48%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $825,000 $275,000 $13,432 7.87%
Vineyard Haven, MA (FHA|USDA|VA) 1 $825,000 $825,000 $26,755 9.00%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $815,000 $815,000 $18,142 7.12%
Boone, NC (FHA|USDA|VA) 2 $800,000 $400,000 $16,351 7.62%
Amsterdam, NY (FHA|USDA|VA) 4 $770,000 $192,500 $10,845 6.59%
MERCED, CA (FHA|USDA|VA) 2 $760,000 $380,000 $6,273 8.25%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $745,000 $745,000 $15,031 8.37%
ANCHORAGE, AK (FHA|USDA|VA) 1 $735,000 $735,000 $23,352 8.00%
KNOXVILLE, TN (FHA|USDA|VA) 2 $720,000 $360,000 $1,965 7.87%
GREELEY, CO (FHA|USDA|VA) 2 $710,000 $355,000 $11,742 8.87%
Seneca, SC (FHA|USDA|VA) 1 $705,000 $705,000 $23,887 9.75%
Cullowhee, NC (FHA|USDA|VA) 1 $705,000 $705,000 $17,583 9.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $675,000 $225,000 $10,232 10.00%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $670,000 $335,000 $8,614 8.37%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $670,000 $335,000 $15,254 7.94%
Cookeville, TN (FHA|USDA|VA) 2 $660,000 $330,000 $18,501 6.88%
WILMINGTON, NC (FHA|USDA|VA) 2 $660,000 $330,000 $14,447 9.81%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $625,000 $625,000 $24,130 8.37%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $620,000 $310,000 $12,746 7.49%
AKRON, OH (FHA|USDA|VA) 1 $605,000 $605,000 $21,389 8.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $605,000 $605,000 $23,296 8.75%
COLUMBIA, SC (FHA|USDA|VA) 2 $600,000 $300,000 $170 9.00%
READING, PA (FHA|USDA|VA) 2 $590,000 $295,000 $13,804 6.75%
SAVANNAH, GA (FHA|USDA|VA) 1 $585,000 $585,000 $16,458 8.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $580,000 $290,000 $11,109 6.31%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $555,000 $185,000 $4,826 8.33%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $550,000 $275,000 $9,511 10.12%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $525,000 $525,000 $19,134 8.25%
JACKSON, TN (FHA|USDA|VA) 3 $495,000 $165,000 $7,766 7.29%
TYLER, TX (FHA|USDA|VA) 1 $485,000 $485,000 $12,232 8.50%
Oneonta, NY (FHA|USDA|VA) 2 $460,000 $230,000 $13,227 6.94%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $460,000 $230,000 $6,280 9.00%
LANCASTER, PA (FHA|USDA|VA) 1 $445,000 $445,000 $16,164 8.87%
RICHMOND, VA (FHA|USDA|VA) 1 $445,000 $445,000 $12,008 7.37%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $435,000 $435,000 $14,663 9.37%
FORT COLLINS, CO (FHA|USDA|VA) 1 $415,000 $415,000 $13,000 8.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $415,000 $415,000 $15,299 8.00%
BEND, OR (FHA|USDA|VA) 1 $405,000 $405,000 $16,702 8.00%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $405,000 $405,000 $14,049 10.75%
Newport, OR (FHA|USDA|VA) 1 $405,000 $405,000 $12,976 8.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $405,000 $405,000 $17,129 8.25%
GAINESVILLE, FL (FHA|USDA|VA) 2 $400,000 $200,000 $8,467 8.31%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $390,000 $195,000 $10,058 8.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $390,000 $195,000 $1,942 8.69%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $390,000 $195,000 $4,567 9.25%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $385,000 $385,000 $14,977 8.37%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $385,000 $385,000 $170 11.37%
Ukiah, CA (FHA|USDA|VA) 1 $385,000 $385,000 $18,786 7.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $375,000 $375,000 $14,759 6.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $370,000 $185,000 $8,672 8.94%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $370,000 $185,000 $7,282 7.25%
Plainview, TX (FHA|USDA|VA) 1 $365,000 $365,000 $13,663 8.88%
YUBA CITY, CA (FHA|USDA|VA) 1 $365,000 $365,000 $12,371 8.87%
TWIN FALLS, ID (FHA|USDA|VA) 1 $365,000 $365,000 $14,113 6.50%
GOLDSBORO, NC (FHA|USDA|VA) 1 $355,000 $355,000 $11,841 9.75%
BOULDER, CO (FHA|USDA|VA) 1 $345,000 $345,000 $170 11.13%
SYRACUSE, NY (FHA|USDA|VA) 1 $345,000 $345,000 $1,465 10.50%
LONGVIEW, TX (FHA|USDA|VA) 1 $335,000 $335,000 $11,042 8.87%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $335,000 $335,000 $3,561 11.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $335,000 $335,000 $170 10.75%
TUCSON, AZ (FHA|USDA|VA) 1 $335,000 $335,000 $12,103 7.25%
HATTIESBURG, MS (FHA|USDA|VA) 1 $315,000 $315,000 $11,853 8.62%
BATON ROUGE, LA (FHA|USDA|VA) 1 $315,000 $315,000 $12,067 8.87%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $315,000 $315,000 $170 8.00%
FARGO, ND-MN (FHA|USDA|VA) 1 $315,000 $315,000 $11,574 8.62%
HARRISONBURG, VA (FHA|USDA|VA) 1 $315,000 $315,000 $4,279 11.25%
PUEBLO, CO (FHA|USDA|VA) 1 $305,000 $305,000 $2,709 7.63%
PITTSFIELD, MA (FHA|USDA|VA) 1 $305,000 $305,000 $9,957 8.62%
MOBILE, AL (FHA|USDA|VA) 1 $305,000 $305,000 $15,133 11.87%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $305,000 $305,000 $3,867 9.75%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $305,000 $305,000 $12,601 7.00%
Zanesville, OH (FHA|USDA|VA) 1 $295,000 $295,000 $7,162 7.50%
Toccoa, GA (FHA|USDA|VA) 1 $295,000 $295,000 $15,235 8.13%
ROCHESTER, NY (FHA|USDA|VA) 2 $290,000 $145,000 $5,286 7.00%
GAINESVILLE, GA (FHA|USDA|VA) 1 $285,000 $285,000 $10,377 8.00%
Othello, WA (FHA|USDA|VA) 1 $285,000 $285,000 $12,297 9.62%
FLINT, MI (FHA|USDA|VA) 1 $285,000 $285,000 $12,542 8.25%
BRUNSWICK, GA (FHA|USDA|VA) 1 $285,000 $285,000 $12,089 7.50%
Gaffney, SC (FHA|USDA|VA) 1 $265,000 $265,000 $7,845 10.25%
Stephenville, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,239 7.75%
Brownwood, TX (FHA|USDA|VA) 1 $255,000 $255,000 $6,462 8.37%
ROME, GA (FHA|USDA|VA) 1 $245,000 $245,000 $170 10.50%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $245,000 $245,000 $170 7.75%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $245,000 $245,000 $13,998 8.75%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $235,000 $235,000 $170 8.75%
Moberly, MO (FHA|USDA|VA) 1 $225,000 $225,000 $8,497 6.25%
Athens, TX (FHA|USDA|VA) 1 $225,000 $225,000 $8,277 7.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $225,000 $225,000 $10,111 7.87%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $225,000 $225,000 $273 9.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $215,000 $215,000 $11,795 8.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $195,000 $195,000 $9,763 9.12%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $195,000 $195,000 $9,381 6.88%
Farmington, MO (FHA|USDA|VA) 1 $195,000 $195,000 $170 9.62%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $9,868 9.12%
Coshocton, OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,971 8.62%
Bennettsville, SC (FHA|USDA|VA) 1 $185,000 $185,000 $170 9.50%
Brookings, OR (FHA|USDA|VA) 1 $175,000 $175,000 $8,903 7.25%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $170 10.25%
DeRidder, LA (FHA|USDA|VA) 1 $165,000 $165,000 $5,647 5.88%
LAFAYETTE, LA (FHA|USDA|VA) 1 $165,000 $165,000 $170 9.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $165,000 $165,000 $4,061 11.38%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $155,000 $155,000 $7,492 10.62%
Galesburg, IL (FHA|USDA|VA) 1 $145,000 $145,000 $3,249 6.25%
Brookhaven, MS (FHA|USDA|VA) 1 $145,000 $145,000 $7,747 7.87%
THE VILLAGES, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,787 5.99%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $125,000 $125,000 $6,241 6.62%
UTICA-ROME, NY (FHA|USDA|VA) 1 $125,000 $125,000 $6,856 9.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,475 10.13%
Opelousas, LA (FHA|USDA|VA) 1 $105,000 $105,000 $2,807 6.60%
Sikeston, MO (FHA|USDA|VA) 1 $95,000 $95,000 $3,662 7.13%
Np's top markets include Miami, Los Angeles, New York, San Diego, and Dallas among others.

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

    We use machine learning to identify the top lenders compared against NP based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    ABNB Federal Credit Union
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    OKLAHOMA CENTRAL Credit Union
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,600 $910,160,000 $568,850 $14,314 8.37%
    FHA 156 $50,790,000 $325,577 $15,011 6.68%
    VA 46 $22,270,000 $484,130 $15,034 6.69%
    USDA 6 $1,100,000 $183,333 $7,566 7.25%

    For 2023, Np's most frequently originated type of loan was Conventional, with 1,600 originations. Their 2nd most popular type was FHA, with 156 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,467 $738,305,000 $503,275 $14,060 8.03%
    Refi 341 $246,015,000 $721,452 $15,686 8.82%

    For 2023, Np's most frequently cited loan purpose was Home Purchase, with 1,467 originations. The 2nd most popular reason was Refi, with 341 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,735 $917,675,000 $528,919 $14,137 8.18%
    30+ year 56 $62,590,000 $1,117,679 $22,137 8.30%
    15 Year 9 $3,615,000 $401,667 $12,071 6.72%
    10 Year 6 $90,000 $15,000 $0 9.29%
    20 Year 2 $350,000 $175,000 $7,808 8.75%

    For 2023, Np's most frequently cited loan duration was 30 Year, with 1,735 originations. The 2nd most popular length was 30+ year, with 56 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,192 $723,800,000 $607,215
    $<1k 307 $166,135,000 $541,156
    $1k-2k 119 $40,205,000 $337,857
    $4k-5k 66 $19,540,000 $296,061
    $2k-3k 65 $20,175,000 $310,385
    $3k-4k 58 $14,460,000 $249,310

    Np's average total fees were $14,137, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,192 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 957 $573,085,000 $598,835
    7-8% 484 $277,630,000 $573,616
    6-7% 291 $111,065,000 $381,667
    5-6% 60 $22,080,000 $368,000
    <2.5% 13 $235,000 $18,077
    4-5% 1 $185,000 $185,000

    During 2023, Np's average interest rate for loans was 8.18%, while their most frequently originated rate bucket for loans was Over 8%, with 957 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 690 $206,410,000 $299,145 $10,053 8.22%
    $400k-600k 422 $203,620,000 $482,512 $14,230 8.17%
    $600k-1MM 252 $187,710,000 $744,881 $18,842 8.31%
    $100k-200k 207 $32,465,000 $156,836 $6,325 8.12%
    $1MM+ 202 $352,590,000 $1,745,495 $32,764 8.52%
    $100,000 or less 35 $1,525,000 $43,571 $4,449 4.59%

    2023 saw Np place emphasis on $200k-400k loans with 690 originations, totaling $206,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 612 $573,220,000 $936,634 $20,117 8.68%
    $100k-150k 408 $139,120,000 $340,980 $11,317 7.94%
    $150k-250k 382 $177,920,000 $465,759 $14,187 8.26%
    $75k-100k 217 $58,145,000 $267,949 $10,168 7.64%
    $50k-75k 152 $30,800,000 $202,632 $7,518 7.58%
    $50k or less 37 $5,115,000 $138,243 $5,519 7.21%

    Np lent most frequently to those with incomes in the $250k+ range, with 612 originations. The second most popular income band? $100k-150k, with 408 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 260 $151,410,000 $582,346 $13,759 8.48%
    30-36% 260 $123,720,000 $475,846 $13,205 8.37%
    <20% 205 $139,815,000 $682,024 $15,814 8.51%
    49% 140 $76,730,000 $548,071 $15,153 8.00%
    48% 101 $55,515,000 $549,653 $13,920 8.16%
    50-60% 91 $38,285,000 $420,714 $16,265 6.91%
    42% 87 $45,975,000 $528,448 $14,028 8.24%
    46% 75 $34,775,000 $463,667 $13,087 8.12%
    45% 72 $40,580,000 $563,611 $14,865 7.98%
    43% 68 $36,180,000 $532,059 $14,050 7.65%
    47% 66 $39,460,000 $597,879 $14,448 8.04%
    38% 59 $29,805,000 $505,169 $13,615 8.16%
    44% 56 $24,710,000 $441,250 $12,456 7.98%
    37% 55 $27,135,000 $493,364 $13,486 8.35%
    41% 55 $31,135,000 $566,091 $14,064 8.18%
    40% 54 $27,540,000 $510,000 $14,324 8.32%
    36% 53 $32,925,000 $621,226 $17,429 8.28%
    39% 46 $26,040,000 $566,087 $15,572 8.07%
    >60% 5 $2,585,000 $517,000 $25,410 6.56%

    Np lent most frequently to those with DTI ratios of 20-30%, with 260 originations. The next most common DTI ratio? 30-36%, with 260 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,242 $638,810,000 $514,340 $13,468 8.11%
    Not provided 308 $201,750,000 $655,032 $16,579 8.55%
    Asian 112 $73,850,000 $659,375 $17,880 8.17%
    Black 131 $59,815,000 $456,603 $14,122 7.94%
    American Indian 8 $6,370,000 $796,250 $23,657 8.66%
    Asian Indian 2 $1,570,000 $785,000 $8,192 8.06%
    Native Hawaiian or Islander 3 $1,095,000 $365,000 $13,281 8.54%
    1 $575,000 $575,000 $16,634 8.50%
    Filipino 1 $485,000 $485,000 $20,099 6.99%

    Approval Rates

    Total approvals of all applications
    84.76%

    Np has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    74.23%

    Np has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,808 $984,320,000 $544,425

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,808 $984,320,000 $544,425

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $21,900,000 $353,226 $9,272 8.52%
    40-60% 171 $88,135,000 $515,409 $12,698 7.83%
    60-80% 765 $464,285,000 $606,908 $14,986 8.36%
    80-100% 742 $391,730,000 $527,938 $14,488 8.09%
    Over 100% 13 $6,935,000 $533,462 $24,429 6.68%
    Under 20% 55 $11,335,000 $206,091 $11,791 7.89%