Np Mortgage Rates, Fees & Info

Delray Beach, FL

LEI: 2549004Z576VEJBK3N72

Tax ID: 65-0709224

4.6 stars - out of 5 stars, based on 79 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • SimulatedRates™
  • Review & 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 by origination volume include: Miami, New York, Colorado Springs, Washington, and Tampa among others. We have data for 413 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Np has an above 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 an average fee lender. 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 in 2021-- chances are they are still one in 2022.

    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 5.86% 8/6/22
    30 Year Conventional Refi 5.65% 8/6/22
    30 Year Cash-out Refi 5.53% 8/6/22
    30 Year FHA Purchase 6.43% 8/6/22
    30 Year FHA Refi 6.13% 8/6/22
    30 Year VA Purchase 5.42% 8/6/22
    30 Year VA Refi 4.80% 8/6/22
    30 Year USDA Purchase 5.79% 8/6/22
    30 Year USDA Refi 5.30% 8/6/22
    15 Year Conventional Purchase 4.76% 8/6/22
    15 Year Conventional Refi 4.69% 8/6/22
    15 Year Cash-out Refi 4.69% 8/6/22
    15 Year FHA Purchase 4.26% 8/6/22
    15 Year FHA Refi 6.29% 8/6/22
    15 Year VA Purchase 5.16% 8/6/22
    15 Year VA Refi 4.52% 8/6/22
    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.


    Originations

    6,255

    Origination Dollar Volume (All Markets)

    $1,906,795,000
    Show all (93) awards

    Relative Rate

    Np 's average 30 year fixed rate mortgage of loans were 2.86%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of -0.29%.

    Relative Fees

    Np 's average total fees for a 30 year fixed rate mortgage are $6,032.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

    Top Markets

    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) » 1,374 $473,610,000 $344,694 $6,941 3.19%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » 303 $111,525,000 $368,069 $8,469 3.13%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 311 $109,395,000 $351,752 $6,011 2.98%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 188 $70,410,000 $374,521 $6,482 2.60%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 124 $40,590,000 $327,339 $6,926 3.06%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 98 $35,870,000 $366,020 $5,018 2.73%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 146 $35,700,000 $244,521 $7,197 3.01%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 123 $34,005,000 $276,463 $6,085 3.09%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 125 $33,575,000 $268,600 $5,582 2.76%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 109 $31,985,000 $293,440 $6,659 3.35%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 81 $29,415,000 $363,148 $5,204 2.44%
    Outside of Metro Areas 113 $28,455,000 $251,814 $4,727 2.72%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 53 $27,445,000 $517,830 $7,428 2.76%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 101 $26,495,000 $262,327 $4,568 2.41%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » 88 $23,950,000 $272,159 $5,382 2.59%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 85 $23,945,000 $281,706 $5,473 2.86%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 73 $19,525,000 $267,466 $4,785 2.42%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 71 $18,945,000 $266,831 $5,184 2.35%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 61 $18,645,000 $305,656 $5,590 2.40%
    JACKSONVILLE, FL (FHA|USDA|VA) » 65 $18,515,000 $284,846 $5,208 2.84%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 50 $17,520,000 $350,400 $6,645 3.29%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 65 $16,295,000 $250,692 $4,382 3.09%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 60 $15,510,000 $258,500 $5,523 2.44%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 55 $15,235,000 $277,000 $5,943 2.66%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » 49 $15,215,000 $310,510 $5,569 2.58%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 52 $14,920,000 $286,923 $5,261 2.53%
    BOISE CITY, ID (FHA|USDA|VA) » 41 $14,545,000 $354,756 $7,372 2.87%
    PUEBLO, CO (FHA|USDA|VA) » 51 $12,845,000 $251,863 $4,736 3.06%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 28 $12,300,000 $439,286 $5,544 2.45%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 41 $12,065,000 $294,268 $5,944 2.39%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 45 $11,735,000 $260,778 $4,567 2.44%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 27 $11,535,000 $427,222 $6,708 3.21%
    RICHMOND, VA (FHA|USDA|VA) » 44 $11,490,000 $261,136 $5,009 2.58%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 35 $9,415,000 $269,000 $3,807 2.41%
    ASHEVILLE, NC (FHA|USDA|VA) » 35 $8,955,000 $255,857 $4,346 2.92%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 32 $8,250,000 $257,813 $4,768 2.62%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 32 $8,070,000 $252,188 $4,938 2.42%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 18 $7,800,000 $433,333 $5,851 2.56%
    ALBUQUERQUE, NM (FHA|USDA|VA) » 31 $7,755,000 $250,161 $4,768 2.34%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 22 $7,660,000 $348,182 $6,759 2.51%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 29 $7,585,000 $261,552 $5,167 2.38%
    COLUMBIA, SC (FHA|USDA|VA) » 28 $7,460,000 $266,429 $5,059 2.42%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 31 $7,325,000 $236,290 $4,954 2.75%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 23 $7,215,000 $313,696 $4,590 2.36%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 21 $6,985,000 $332,619 $6,287 3.19%
    TUCSON, AZ (FHA|USDA|VA) » 25 $6,135,000 $245,400 $4,291 2.32%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 22 $6,070,000 $275,909 $4,355 2.39%
    GREELEY, CO (FHA|USDA|VA) » 19 $5,965,000 $313,947 $5,436 2.76%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 24 $5,860,000 $244,167 $6,934 3.09%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 25 $5,785,000 $231,400 $4,872 2.66%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 21 $5,715,000 $272,143 $5,215 2.71%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) » 25 $5,565,000 $222,600 $6,479 3.38%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) » 22 $5,360,000 $243,636 $5,343 2.41%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) » 19 $5,195,000 $273,421 $5,602 3.29%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 19 $4,885,000 $257,105 $6,123 2.78%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 21 $4,885,000 $232,619 $4,814 2.79%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 19 $4,875,000 $256,579 $4,702 2.82%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 18 $4,850,000 $269,444 $5,989 2.58%
    SPARTANBURG, SC (FHA|USDA|VA) » 24 $4,760,000 $198,333 $5,954 2.97%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 10 $4,510,000 $451,000 $8,396 2.64%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » 16 $4,430,000 $276,875 $4,920 2.88%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 18 $4,370,000 $242,778 $4,315 2.34%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) » 18 $4,280,000 $237,778 $5,566 2.66%
    HUNTSVILLE, AL (FHA|USDA|VA) » 16 $4,270,000 $266,875 $3,404 2.40%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) » 21 $4,265,000 $203,095 $3,896 2.57%
    SAVANNAH, GA (FHA|USDA|VA) » 16 $4,250,000 $265,625 $5,235 2.79%
    WILMINGTON, NC (FHA|USDA|VA) » 8 $4,240,000 $530,000 $8,835 2.80%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 17 $4,205,000 $247,353 $6,037 3.46%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) » 20 $4,190,000 $209,500 $3,991 2.34%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » 14 $4,160,000 $297,143 $4,326 2.39%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » 13 $4,035,000 $310,385 $5,114 2.33%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 13 $3,965,000 $305,000 $7,444 2.57%
    OCALA, FL (FHA|USDA|VA) » 20 $3,930,000 $196,500 $5,726 3.38%
    EL PASO, TX (FHA|USDA|VA) » 16 $3,820,000 $238,750 $5,117 2.39%
    VALLEJO, CA (FHA|USDA|VA) » 10 $3,810,000 $381,000 $6,179 2.37%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) » 10 $3,780,000 $378,000 $5,931 2.50%
    PITTSBURGH, PA (FHA|USDA|VA) » 15 $3,775,000 $251,667 $6,859 2.67%
    COLUMBUS, OH (FHA|USDA|VA) » 15 $3,775,000 $251,667 $6,393 2.56%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » 14 $3,690,000 $263,571 $5,810 2.62%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » 13 $3,505,000 $269,615 $5,313 2.45%
    BAKERSFIELD, CA (FHA|USDA|VA) » 14 $3,450,000 $246,429 $5,718 2.62%
    PUNTA GORDA, FL (FHA|USDA|VA) » 13 $3,405,000 $261,923 $7,020 3.02%
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 13 $3,385,000 $260,385 $3,984 2.83%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) » 12 $3,330,000 $277,500 $7,937 2.75%
    TULSA, OK (FHA|USDA|VA) » 10 $3,140,000 $314,000 $5,966 2.54%
    JACKSONVILLE, NC (FHA|USDA|VA) » 13 $3,125,000 $240,385 $4,401 2.44%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » 12 $3,090,000 $257,500 $7,314 3.20%
    RENO, NV (FHA|USDA|VA) » 10 $3,040,000 $304,000 $4,704 2.30%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 12 $3,000,000 $250,000 $5,926 3.09%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 13 $2,985,000 $229,615 $5,360 2.52%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » 12 $2,870,000 $239,167 $4,192 2.35%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) » 11 $2,855,000 $259,545 $4,051 2.36%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » 9 $2,785,000 $309,444 $4,793 2.43%
    Hailey, ID (FHA|USDA|VA) » 2 $2,640,000 $1,320,000 $29,316 4.13%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » 6 $2,640,000 $440,000 $8,717 3.12%
    FRESNO, CA (FHA|USDA|VA) » 10 $2,610,000 $261,000 $5,447 2.52%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 12 $2,570,000 $214,167 $4,740 2.68%
    KNOXVILLE, TN (FHA|USDA|VA) » 10 $2,530,000 $253,000 $3,214 2.35%
    Clewiston, FL (FHA|USDA|VA) » 10 $2,450,000 $245,000 $8,523 3.40%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 9 $2,445,000 $271,667 $4,018 2.83%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 7 $2,385,000 $340,714 $4,087 2.54%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » 9 $2,365,000 $262,778 $4,494 2.75%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » 6 $2,350,000 $391,667 $7,215 2.54%
    GAINESVILLE, GA (FHA|USDA|VA) » 7 $2,315,000 $330,714 $4,629 2.50%
    MONTGOMERY, AL (FHA|USDA|VA) » 9 $2,215,000 $246,111 $4,431 2.37%
    FORT COLLINS, CO (FHA|USDA|VA) » 6 $2,210,000 $368,333 $4,989 2.60%
    SALEM, OR (FHA|USDA|VA) » 7 $2,205,000 $315,000 $4,769 2.32%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) » 10 $2,180,000 $218,000 $6,297 2.55%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) » 7 $2,145,000 $306,429 $5,174 2.84%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 10 $2,140,000 $214,000 $4,020 2.37%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 9 $2,025,000 $225,000 $4,532 2.44%
    PANAMA CITY, FL (FHA|USDA|VA) » 7 $2,015,000 $287,857 $7,184 3.16%
    Danville, VA (FHA|USDA|VA) » 11 $1,985,000 $180,455 $4,394 2.92%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » 7 $1,985,000 $283,571 $6,208 2.80%
    DOVER, DE (FHA|USDA|VA) » 6 $1,950,000 $325,000 $8,154 2.52%
    MEDFORD, OR (FHA|USDA|VA) » 8 $1,930,000 $241,250 $5,073 2.28%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) » 6 $1,890,000 $315,000 $4,144 2.27%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 7 $1,825,000 $260,714 $5,026 2.52%
    REDDING, CA (FHA|USDA|VA) » 6 $1,790,000 $298,333 $4,250 2.37%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) » 5 $1,785,000 $357,000 $8,515 3.08%
    ANCHORAGE, AK (FHA|USDA|VA) » 7 $1,775,000 $253,571 $5,845 2.29%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 7 $1,725,000 $246,429 $4,716 2.34%
    BOULDER, CO (FHA|USDA|VA) » 4 $1,720,000 $430,000 $7,016 2.81%
    HINESVILLE, GA (FHA|USDA|VA) » 7 $1,715,000 $245,000 $5,262 2.52%
    LANCASTER, PA (FHA|USDA|VA) » 6 $1,710,000 $285,000 $7,576 2.69%
    SALISBURY, MD-DE (FHA|USDA|VA) » 6 $1,690,000 $281,667 $3,880 2.37%
    READING, PA (FHA|USDA|VA) » 7 $1,655,000 $236,429 $6,191 3.30%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) » 5 $1,635,000 $327,000 $4,530 2.70%
    LAWTON, OK (FHA|USDA|VA) » 7 $1,615,000 $230,714 $5,113 2.38%
    CaƱon City, CO (FHA|USDA|VA) » 6 $1,610,000 $268,333 $6,709 3.02%
    SALT LAKE CITY, UT (FHA|USDA|VA) » 2 $1,610,000 $805,000 $4,424 3.56%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) » 8 $1,600,000 $200,000 $3,332 2.25%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) » 4 $1,590,000 $397,500 $5,299 2.28%
    Oak Harbor, WA (FHA|USDA|VA) » 5 $1,585,000 $317,000 $5,132 2.33%
    LONGVIEW, WA (FHA|USDA|VA) » 6 $1,530,000 $255,000 $4,827 2.52%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) » 6 $1,480,000 $246,667 $3,475 2.77%
    YORK-HANOVER, PA (FHA|USDA|VA) » 7 $1,435,000 $205,000 $5,860 2.96%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) » 6 $1,420,000 $236,667 $5,073 2.29%
    GOLDSBORO, NC (FHA|USDA|VA) » 5 $1,415,000 $283,000 $6,758 2.38%
    Wilson, NC (FHA|USDA|VA) » 5 $1,415,000 $283,000 $5,549 2.42%
    ROANOKE, VA (FHA|USDA|VA) » 6 $1,400,000 $233,333 $6,670 2.88%
    Key West, FL (FHA|USDA|VA) » 5 $1,365,000 $273,000 $6,358 2.65%
    STOCKTON, CA (FHA|USDA|VA) » 4 $1,330,000 $332,500 $4,842 2.28%
    BATON ROUGE, LA (FHA|USDA|VA) » 6 $1,330,000 $221,667 $4,741 2.48%
    SALINAS, CA (FHA|USDA|VA) » 3 $1,315,000 $438,333 $4,902 2.46%
    MODESTO, CA (FHA|USDA|VA) » 5 $1,305,000 $261,000 $4,521 2.55%
    Edwards, CO (FHA|USDA|VA) » 2 $1,210,000 $605,000 $10,425 3.50%
    WARNER ROBINS, GA (FHA|USDA|VA) » 4 $1,170,000 $292,500 $4,752 2.28%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » 5 $1,165,000 $233,000 $4,299 3.17%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) » 4 $1,160,000 $290,000 $4,053 2.47%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) » 4 $1,160,000 $290,000 $4,862 2.25%
    MOBILE, AL (FHA|USDA|VA) » 5 $1,155,000 $231,000 $5,340 2.38%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) » 4 $1,120,000 $280,000 $6,165 2.31%
    YUMA, AZ (FHA|USDA|VA) » 5 $1,105,000 $221,000 $6,192 2.38%
    VISALIA, CA (FHA|USDA|VA) » 5 $1,095,000 $219,000 $5,791 2.38%
    Glenwood Springs, CO (FHA|USDA|VA) » 4 $1,080,000 $270,000 $3,467 2.25%
    MANHATTAN, KS (FHA|USDA|VA) » 5 $1,055,000 $211,000 $4,634 2.38%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) » 5 $1,055,000 $211,000 $4,326 2.55%
    PEORIA, IL (FHA|USDA|VA) » 4 $1,050,000 $262,500 $4,878 2.31%
    Pahrump, NV (FHA|USDA|VA) » 4 $1,020,000 $255,000 $4,704 2.38%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) » 4 $1,000,000 $250,000 $4,605 2.31%
    Sevierville, TN (FHA|USDA|VA) » 4 $990,000 $247,500 $3,784 3.56%
    GRAND JUNCTION, CO (FHA|USDA|VA) » 4 $960,000 $240,000 $5,652 2.59%
    Outside of Metro Areas 3 $945,000 $315,000 $3,255 2.67%
    Port Angeles, WA (FHA|USDA|VA) » 3 $945,000 $315,000 $6,637 2.79%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) » 4 $940,000 $235,000 $5,046 2.63%
    JOHNSON CITY, TN (FHA|USDA|VA) » 3 $935,000 $311,667 $4,371 2.29%
    Cullowhee, NC (FHA|USDA|VA) » 2 $930,000 $465,000 $5,320 3.25%
    EAST STROUDSBURG, PA (FHA|USDA|VA) » 3 $925,000 $308,333 $11,146 3.12%
    ALBANY-LEBANON, OR (FHA|USDA|VA) » 3 $915,000 $305,000 $6,268 2.46%
    COLUMBUS, GA-AL (FHA|USDA|VA) » 3 $895,000 $298,333 $5,782 2.25%
    LAKE CHARLES, LA (FHA|USDA|VA) » 4 $880,000 $220,000 $2,214 2.25%
    MIDLAND, TX (FHA|USDA|VA) » 3 $875,000 $291,667 $6,071 2.33%
    BELLINGHAM, WA (FHA|USDA|VA) » 3 $875,000 $291,667 $2,972 2.42%
    Breckenridge, CO (FHA|USDA|VA) » 2 $870,000 $435,000 $3,253 2.81%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) » 3 $835,000 $278,333 $3,489 2.50%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) » 3 $825,000 $275,000 $8,760 2.71%
    YAKIMA, WA (FHA|USDA|VA) » 4 $810,000 $202,500 $4,546 2.28%
    TUSCALOOSA, AL (FHA|USDA|VA) » 4 $800,000 $200,000 $3,921 2.62%
    WINCHESTER, VA-WV (FHA|USDA|VA) » 3 $795,000 $265,000 $5,568 2.29%
    CHICO, CA (FHA|USDA|VA) » 3 $785,000 $261,667 $5,119 2.79%
    Eureka-Arcata, CA (FHA|USDA|VA) » 3 $785,000 $261,667 $4,681 2.50%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) » 2 $770,000 $385,000 $3,005 2.25%
    LYNCHBURG, VA (FHA|USDA|VA) » 4 $760,000 $190,000 $4,038 2.56%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) » 3 $755,000 $251,667 $5,228 2.29%
    AMARILLO, TX (FHA|USDA|VA) » 3 $755,000 $251,667 $3,935 2.25%
    VALDOSTA, GA (FHA|USDA|VA) » 3 $745,000 $248,333 $5,141 2.75%
    ABILENE, TX (FHA|USDA|VA) » 3 $735,000 $245,000 $3,053 2.42%
    LEBANON, PA (FHA|USDA|VA) » 3 $735,000 $245,000 $6,530 2.58%
    JACKSON, MS (FHA|USDA|VA) » 4 $730,000 $182,500 $4,446 2.31%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) » 3 $725,000 $241,667 $6,361 2.33%
    MORRISTOWN, TN (FHA|USDA|VA) » 3 $725,000 $241,667 $4,828 2.29%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) » 3 $715,000 $238,333 $5,793 2.29%
    Steamboat Springs, CO (FHA|USDA|VA) » 2 $710,000 $355,000 $4,815 2.62%
    MUNCIE, IN (FHA|USDA|VA) » 2 $710,000 $355,000 $4,308 2.25%
    LAREDO, TX (FHA|USDA|VA) » 3 $695,000 $231,667 $4,646 2.42%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » 3 $695,000 $231,667 $4,022 2.79%
    LAFAYETTE, LA (FHA|USDA|VA) » 3 $675,000 $225,000 $7,450 2.54%
    GAINESVILLE, FL (FHA|USDA|VA) » 3 $675,000 $225,000 $4,996 2.50%
    CEDAR RAPIDS, IA (FHA|USDA|VA) » 3 $665,000 $221,667 $4,035 2.50%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) » 2 $660,000 $330,000 $5,999 2.25%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) » 3 $655,000 $218,333 $5,314 2.42%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » 3 $655,000 $218,333 $3,386 2.38%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » 3 $645,000 $215,000 $4,960 2.25%
    THE VILLAGES, FL (FHA|USDA|VA) » 3 $645,000 $215,000 $4,852 2.79%
    BRUNSWICK, GA (FHA|USDA|VA) » 3 $645,000 $215,000 $5,906 2.58%
    SHERMAN-DENISON, TX (FHA|USDA|VA) » 3 $645,000 $215,000 $4,272 2.46%
    FORT WAYNE, IN (FHA|USDA|VA) » 3 $625,000 $208,333 $3,919 2.25%
    WICHITA, KS (FHA|USDA|VA) » 3 $615,000 $205,000 $3,880 2.58%
    DUBUQUE, IA (FHA|USDA|VA) » 2 $610,000 $305,000 $4,243 2.31%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) » 2 $610,000 $305,000 $8,789 2.25%
    Truckee-Grass Valley, CA (FHA|USDA|VA) » 2 $580,000 $290,000 $9,398 2.56%
    LUBBOCK, TX (FHA|USDA|VA) » 2 $580,000 $290,000 $4,049 2.44%
    Aberdeen, WA (FHA|USDA|VA) » 3 $575,000 $191,667 $3,691 2.54%
    IDAHO FALLS, ID (FHA|USDA|VA) » 2 $570,000 $285,000 $3,496 2.75%
    LAS CRUCES, NM (FHA|USDA|VA) » 3 $565,000 $188,333 $4,789 2.46%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » 2 $560,000 $280,000 $4,555 2.31%
    Zanesville, OH (FHA|USDA|VA) » 2 $550,000 $275,000 $3,683 2.63%
    Fort Morgan, CO (FHA|USDA|VA) » 1 $545,000 $545,000 $5,185 3.38%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) » 2 $540,000 $270,000 $6,632 2.31%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) » 2 $540,000 $270,000 $5,516 2.25%
    WORCESTER, MA-CT (FHA|USDA|VA) » 2 $540,000 $270,000 $3,652 2.25%
    GREENVILLE, NC (FHA|USDA|VA) » 2 $540,000 $270,000 $6,812 2.56%
    Shelton, WA (FHA|USDA|VA) » 2 $530,000 $265,000 $5,191 2.75%
    FLINT, MI (FHA|USDA|VA) » 2 $520,000 $260,000 $2,364 2.69%
    DULUTH, MN-WI (FHA|USDA|VA) » 2 $520,000 $260,000 $3,802 2.62%
    OCEAN CITY, NJ (FHA|USDA|VA) » 2 $520,000 $260,000 $7,488 2.88%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) » 2 $520,000 $260,000 $4,522 2.25%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » 2 $510,000 $255,000 $7,994 3.06%
    WACO, TX (FHA|USDA|VA) » 2 $510,000 $255,000 $4,455 2.50%
    Forest City, NC (FHA|USDA|VA) » 3 $505,000 $168,333 $3,741 3.04%
    Bemidji, MN (FHA|USDA|VA) » 2 $500,000 $250,000 $5,192 2.31%
    Centralia, WA (FHA|USDA|VA) » 2 $500,000 $250,000 $7,077 2.31%
    ALBANY, GA (FHA|USDA|VA) » 2 $500,000 $250,000 $4,192 2.50%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) » 3 $495,000 $165,000 $3,281 2.71%
    Easton, MD (FHA|USDA|VA) » 2 $480,000 $240,000 $7,919 2.75%
    GRANTS PASS, OR (FHA|USDA|VA) » 2 $480,000 $240,000 $4,585 2.25%
    DECATUR, AL (FHA|USDA|VA) » 2 $470,000 $235,000 $3,962 2.25%
    CANTON-MASSILLON, OH (FHA|USDA|VA) » 2 $470,000 $235,000 $2,808 2.25%
    Georgetown, SC (FHA|USDA|VA) » 2 $470,000 $235,000 $2,860 3.62%
    SPRINGFIELD, MA (FHA|USDA|VA) » 2 $470,000 $235,000 $4,554 2.25%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) » 2 $460,000 $230,000 $2,617 2.25%
    Roseburg, OR (FHA|USDA|VA) » 2 $450,000 $225,000 $7,418 2.56%
    Roswell, NM (FHA|USDA|VA) » 2 $440,000 $220,000 $2,586 2.25%
    Albertville, AL (FHA|USDA|VA) » 2 $440,000 $220,000 $3,987 2.31%
    Laurinburg, NC (FHA|USDA|VA) » 2 $430,000 $215,000 $5,692 2.81%
    Frankfort, KY (FHA|USDA|VA) » 2 $430,000 $215,000 $6,060 2.25%
    IOWA CITY, IA (FHA|USDA|VA) » 2 $430,000 $215,000 $2,483 2.50%
    CARSON CITY, NV (FHA|USDA|VA) » 2 $430,000 $215,000 $7,409 2.69%
    GADSDEN, AL (FHA|USDA|VA) » 2 $430,000 $215,000 $4,869 3.06%
    Safford, AZ (FHA|USDA|VA) » 2 $430,000 $215,000 $5,129 2.88%
    LAWRENCE, KS (FHA|USDA|VA) » 1 $425,000 $425,000 $13,019 2.25%
    TOLEDO, OH (FHA|USDA|VA) » 2 $420,000 $210,000 $6,586 2.50%
    SUMTER, SC (FHA|USDA|VA) » 2 $420,000 $210,000 $4,231 2.31%
    NEW BERN, NC (FHA|USDA|VA) » 2 $420,000 $210,000 $4,766 2.38%
    WENATCHEE, WA (FHA|USDA|VA) » 2 $420,000 $210,000 $5,858 2.63%
    Gaffney, SC (FHA|USDA|VA) » 3 $415,000 $138,333 $5,241 2.54%
    Meridian, MS (FHA|USDA|VA) » 1 $415,000 $415,000 $14,738 2.75%
    Elizabeth City, NC (FHA|USDA|VA) » 2 $410,000 $205,000 $4,245 2.50%
    St. Marys, GA (FHA|USDA|VA) » 2 $410,000 $205,000 $5,485 2.31%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) » 2 $410,000 $205,000 $7,005 2.50%
    Clovis, NM (FHA|USDA|VA) » 2 $410,000 $205,000 $4,113 2.31%
    Seneca, SC (FHA|USDA|VA) » 2 $410,000 $205,000 $5,728 3.19%
    Selma, AL (FHA|USDA|VA) » 2 $410,000 $205,000 $2,574 2.38%
    Gloversville, NY (FHA|USDA|VA) » 2 $410,000 $205,000 $6,305 3.25%
    PROVO-OREM, UT (FHA|USDA|VA) » 1 $405,000 $405,000 $2,155 2.25%
    Newport, OR (FHA|USDA|VA) » 1 $405,000 $405,000 $7,616 2.25%
    Campbellsville, KY (FHA|USDA|VA) » 2 $400,000 $200,000 $2,689 2.25%
    DOTHAN, AL (FHA|USDA|VA) » 2 $400,000 $200,000 $4,273 2.25%
    MERCED, CA (FHA|USDA|VA) » 2 $400,000 $200,000 $6,461 2.69%
    MONROE, LA (FHA|USDA|VA) » 2 $390,000 $195,000 $5,500 2.31%
    Red Bluff, CA (FHA|USDA|VA) » 2 $390,000 $195,000 $3,647 2.38%
    CARBONDALE-MARION, IL (FHA|USDA|VA) » 2 $390,000 $195,000 $3,273 2.50%
    KANKAKEE, IL (FHA|USDA|VA) » 1 $385,000 $385,000 $3,478 2.25%
    Tahlequah, OK (FHA|USDA|VA) » 1 $385,000 $385,000 $5,486 2.75%
    Boone, NC (FHA|USDA|VA) » 1 $385,000 $385,000 $3,849 3.25%
    Cambridge, OH (FHA|USDA|VA) » 2 $380,000 $190,000 $5,368 2.50%
    Mountain Home, ID (FHA|USDA|VA) » 2 $380,000 $190,000 $3,864 2.81%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » 2 $380,000 $190,000 $3,166 2.50%
    FLORENCE, SC (FHA|USDA|VA) » 2 $380,000 $190,000 $4,468 2.38%
    Fallon, NV (FHA|USDA|VA) » 1 $375,000 $375,000 $4,244 2.25%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » 2 $370,000 $185,000 $1,681 2.38%
    GLENS FALLS, NY (FHA|USDA|VA) » 2 $370,000 $185,000 $7,474 3.44%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) » 2 $360,000 $180,000 $6,017 2.38%
    TYLER, TX (FHA|USDA|VA) » 2 $360,000 $180,000 $6,868 2.63%
    TEXARKANA, TX-AR (FHA|USDA|VA) » 1 $355,000 $355,000 $6,630 2.25%
    ROCKFORD, IL (FHA|USDA|VA) » 1 $355,000 $355,000 $4,277 2.25%
    Ozark, AL (FHA|USDA|VA) » 1 $355,000 $355,000 $2,465 2.25%
    Bardstown, KY (FHA|USDA|VA) » 2 $350,000 $175,000 $3,927 3.06%
    Enterprise, AL (FHA|USDA|VA) » 2 $350,000 $175,000 $3,670 2.25%
    AMES, IA (FHA|USDA|VA) » 2 $350,000 $175,000 $2,401 2.25%
    Prineville, OR (FHA|USDA|VA) » 1 $345,000 $345,000 $7,087 2.25%
    Shawnee, OK (FHA|USDA|VA) » 1 $345,000 $345,000 $5,753 2.25%
    Willmar, MN (FHA|USDA|VA) » 1 $335,000 $335,000 $4,092 2.75%
    BOWLING GREEN, KY (FHA|USDA|VA) » 1 $335,000 $335,000 $5,834 2.25%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) » 1 $325,000 $325,000 $16,251 2.88%
    Columbus, MS (FHA|USDA|VA) » 1 $325,000 $325,000 $9,039 2.38%
    Moberly, MO (FHA|USDA|VA) » 1 $325,000 $325,000 $7,950 4.99%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) » 2 $320,000 $160,000 $3,471 2.38%
    Ukiah, CA (FHA|USDA|VA) » 1 $315,000 $315,000 $5,746 2.25%
    Sonora, CA (FHA|USDA|VA) » 1 $305,000 $305,000 $8,845 2.38%
    Nacogdoches, TX (FHA|USDA|VA) » 1 $305,000 $305,000 $9,034 2.25%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) » 1 $305,000 $305,000 $3,349 3.25%
    Concord, NH (FHA|USDA|VA) » 1 $305,000 $305,000 $8,670 2.25%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) » 2 $300,000 $150,000 $6,502 2.31%
    GETTYSBURG, PA (FHA|USDA|VA) » 2 $300,000 $150,000 $5,647 3.00%
    Keene, NH (FHA|USDA|VA) » 1 $295,000 $295,000 $11,096 3.25%
    Fremont, OH (FHA|USDA|VA) » 1 $295,000 $295,000 $2,000 2.38%
    Jasper, AL (FHA|USDA|VA) » 1 $285,000 $285,000 $4,930 2.38%
    Los Alamos, NM (FHA|USDA|VA) » 1 $285,000 $285,000 $4,357 2.38%
    Sandpoint, ID (FHA|USDA|VA) » 1 $285,000 $285,000 $6,260 3.25%
    Brevard, NC (FHA|USDA|VA) » 1 $275,000 $275,000 $3,596 3.00%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) » 2 $270,000 $135,000 $4,836 3.31%
    Dyersburg, TN (FHA|USDA|VA) » 2 $270,000 $135,000 $5,225 2.75%
    London, KY (FHA|USDA|VA) » 1 $265,000 $265,000 $5,240 2.25%
    MIDLAND, MI (FHA|USDA|VA) » 1 $265,000 $265,000 $4,851 2.25%
    BEND, OR (FHA|USDA|VA) » 1 $265,000 $265,000 $6,402 2.25%
    Othello, WA (FHA|USDA|VA) » 1 $265,000 $265,000 $5,851 2.38%
    Greeneville, TN (FHA|USDA|VA) » 1 $265,000 $265,000 $5,834 2.25%
    Crescent City, CA (FHA|USDA|VA) » 1 $265,000 $265,000 $3,985 2.25%
    VICTORIA, TX (FHA|USDA|VA) » 1 $255,000 $255,000 $4,456 2.25%
    FARGO, ND-MN (FHA|USDA|VA) » 1 $255,000 $255,000 $6,193 2.25%
    Henderson, NC (FHA|USDA|VA) » 1 $255,000 $255,000 $11,106 2.63%
    Hobbs, NM (FHA|USDA|VA) » 1 $255,000 $255,000 $6,747 2.25%
    Ruidoso, NM (FHA|USDA|VA) » 1 $255,000 $255,000 $8,119 2.25%
    BANGOR, ME (FHA|USDA|VA) » 1 $255,000 $255,000 $5,003 2.25%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » 1 $255,000 $255,000 $4,865 2.25%
    Moses Lake, WA (FHA|USDA|VA) » 1 $255,000 $255,000 $4,995 2.25%
    Union City, TN (FHA|USDA|VA) » 1 $245,000 $245,000 $3,684 2.25%
    Minot, ND (FHA|USDA|VA) » 1 $245,000 $245,000 $6,625 2.25%
    BURLINGTON, NC (FHA|USDA|VA) » 1 $245,000 $245,000 $4,141 2.25%
    SAN ANGELO, TX (FHA|USDA|VA) » 1 $245,000 $245,000 $5,172 2.25%
    Bartlesville, OK (FHA|USDA|VA) » 1 $245,000 $245,000 $4,347 2.25%
    BAY CITY, MI (FHA|USDA|VA) » 1 $235,000 $235,000 $3,250 2.25%
    Morehead City, NC (FHA|USDA|VA) » 1 $235,000 $235,000 $11,602 3.00%
    Augusta-Waterville, ME (FHA|USDA|VA) » 1 $235,000 $235,000 $3,706 2.25%
    EVANSVILLE, IN-KY (FHA|USDA|VA) » 1 $235,000 $235,000 $7,582 3.00%
    Norwalk, OH (FHA|USDA|VA) » 1 $235,000 $235,000 $1,830 2.75%
    Pullman, WA (FHA|USDA|VA) » 1 $235,000 $235,000 $7,012 2.38%
    Meadville, PA (FHA|USDA|VA) » 1 $235,000 $235,000 $4,573 2.25%
    Blackfoot, ID (FHA|USDA|VA) » 1 $235,000 $235,000 $5,251 3.37%
    Galesburg, IL (FHA|USDA|VA) » 1 $235,000 $235,000 $5,851 2.25%
    Big Stone Gap, VA (FHA|USDA|VA) » 1 $225,000 $225,000 $1,642 2.25%
    LONGVIEW, TX (FHA|USDA|VA) » 1 $225,000 $225,000 $3,978 2.25%
    Athens, OH (FHA|USDA|VA) » 1 $225,000 $225,000 $3,969 3.50%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) » 1 $225,000 $225,000 $2,592 3.50%
    Eagle Pass, TX (FHA|USDA|VA) » 1 $225,000 $225,000 $4,906 2.38%
    CUMBERLAND, MD-WV (FHA|USDA|VA) » 1 $225,000 $225,000 $2,418 2.75%
    CLEVELAND, TN (FHA|USDA|VA) » 1 $225,000 $225,000 $1,485 3.13%
    HAMMOND, LA (FHA|USDA|VA) » 1 $225,000 $225,000 $5,907 2.25%
    Ontario, OR-ID (FHA|USDA|VA) » 1 $225,000 $225,000 $4,698 3.63%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) » 1 $225,000 $225,000 $3,037 3.00%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) » 1 $225,000 $225,000 $5,964 3.38%
    CHEYENNE, WY (FHA|USDA|VA) » 1 $215,000 $215,000 $2,515 2.25%
    Kill Devil Hills, NC (FHA|USDA|VA) » 1 $215,000 $215,000 $1,162 2.25%
    Pottsville, PA (FHA|USDA|VA) » 1 $215,000 $215,000 $6,826 3.50%
    DuBois, PA (FHA|USDA|VA) » 1 $215,000 $215,000 $5,918 2.38%
    TERRE HAUTE, IN (FHA|USDA|VA) » 1 $215,000 $215,000 $2,275 2.38%
    WALLA WALLA, WA (FHA|USDA|VA) » 1 $215,000 $215,000 $4,211 2.50%
    WAUSAU-WESTON, WI (FHA|USDA|VA) » 1 $215,000 $215,000 $8,461 4.38%
    Rochelle, IL (FHA|USDA|VA) » 1 $205,000 $205,000 $2,987 2.25%
    AKRON, OH (FHA|USDA|VA) » 1 $205,000 $205,000 $2,717 2.75%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) » 1 $205,000 $205,000 $4,397 3.00%
    Shelbyville, TN (FHA|USDA|VA) » 1 $205,000 $205,000 $2,067 2.25%
    ALEXANDRIA, LA (FHA|USDA|VA) » 1 $205,000 $205,000 $6,505 2.25%
    JACKSON, MI (FHA|USDA|VA) » 1 $205,000 $205,000 $4,146 2.25%
    Talladega-Sylacauga, AL (FHA|USDA|VA) » 1 $205,000 $205,000 $4,806 2.25%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) » 1 $205,000 $205,000 $4,615 2.25%
    Torrington, CT (FHA|USDA|VA) » 1 $195,000 $195,000 $7,663 2.88%
    DALTON, GA (FHA|USDA|VA) » 1 $195,000 $195,000 $5,736 2.50%
    Durant, OK (FHA|USDA|VA) » 1 $195,000 $195,000 $1,496 2.25%
    ROCKY MOUNT, NC (FHA|USDA|VA) » 1 $195,000 $195,000 $4,297 2.38%
    Quincy, IL-MO (FHA|USDA|VA) » 1 $195,000 $195,000 $2,435 2.25%
    HARRISONBURG, VA (FHA|USDA|VA) » 1 $195,000 $195,000 $3,335 3.25%
    Bellefontaine, OH (FHA|USDA|VA) » 1 $195,000 $195,000 $5,551 2.75%
    Alamogordo, NM (FHA|USDA|VA) » 1 $195,000 $195,000 $3,793 2.25%
    Ottawa, IL (FHA|USDA|VA) » 1 $195,000 $195,000 $2,048 2.25%
    Minden, LA (FHA|USDA|VA) » 1 $195,000 $195,000 $2,903 2.75%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) » 1 $195,000 $195,000 $5,273 2.38%
    Spencer, IA (FHA|USDA|VA) » 1 $195,000 $195,000 $3,319 2.75%
    Wapakoneta, OH (FHA|USDA|VA) » 1 $185,000 $185,000 $3,165 2.25%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) » 1 $185,000 $185,000 $4,240 2.25%
    Palatka, FL (FHA|USDA|VA) » 1 $185,000 $185,000 $2,513 2.25%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) » 1 $185,000 $185,000 $5,760 2.99%
    Brookings, OR (FHA|USDA|VA) » 1 $185,000 $185,000 $9,908 3.38%
    FLAGSTAFF, AZ (FHA|USDA|VA) » 1 $185,000 $185,000 $4,161 2.25%
    MADERA, CA (FHA|USDA|VA) » 1 $185,000 $185,000 $5,248 2.75%
    Carlsbad-Artesia, NM (FHA|USDA|VA) » 1 $185,000 $185,000 $6,328 2.25%
    Albemarle, NC (FHA|USDA|VA) » 1 $185,000 $185,000 $7,080 2.38%
    ROME, GA (FHA|USDA|VA) » 1 $185,000 $185,000 $3,441 2.50%
    MANSFIELD, OH (FHA|USDA|VA) » 1 $185,000 $185,000 $5,643 2.50%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) » 1 $175,000 $175,000 $4,518 3.75%
    Van Wert, OH (FHA|USDA|VA) » 1 $175,000 $175,000 $3,958 2.25%
    DeRidder, LA (FHA|USDA|VA) » 1 $175,000 $175,000 $1,445 2.75%
    Jefferson, GA (FHA|USDA|VA) » 1 $175,000 $175,000 $6,094 3.25%
    ODESSA, TX (FHA|USDA|VA) » 1 $175,000 $175,000 $4,411 2.25%
    Klamath Falls, OR (FHA|USDA|VA) » 1 $165,000 $165,000 $8,788 3.63%
    Danville, KY (FHA|USDA|VA) » 1 $165,000 $165,000 $2,011 2.38%
    COLUMBIA, MO (FHA|USDA|VA) » 1 $165,000 $165,000 $1,748 2.38%
    STAUNTON, VA (FHA|USDA|VA) » 1 $155,000 $155,000 $2,917 2.25%
    Pella, IA (FHA|USDA|VA) » 1 $155,000 $155,000 $3,996 2.25%
    Traverse City, MI (FHA|USDA|VA) » 1 $155,000 $155,000 $2,618 2.99%
    Winona, MN (FHA|USDA|VA) » 1 $155,000 $155,000 $2,101 2.38%
    Montrose, CO (FHA|USDA|VA) » 1 $145,000 $145,000 $2,089 2.75%
    Ashtabula, OH (FHA|USDA|VA) » 1 $145,000 $145,000 $7,486 3.13%
    Sikeston, MO (FHA|USDA|VA) » 1 $145,000 $145,000 $2,783 3.38%
    NILES, MI (FHA|USDA|VA) » 1 $145,000 $145,000 $4,212 2.25%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) » 1 $125,000 $125,000 $2,402 4.13%
    BINGHAMTON, NY (FHA|USDA|VA) » 1 $115,000 $115,000 $5,142 3.75%
    SYRACUSE, NY (FHA|USDA|VA) » 1 $105,000 $105,000 $5,134 2.88%
    Crossville, TN (FHA|USDA|VA) » 1 $105,000 $105,000 $2,717 2.88%
    UTICA-ROME, NY (FHA|USDA|VA) » 1 $85,000 $85,000 $3,994 4.13%
    New Castle, IN (FHA|USDA|VA) » 1 $85,000 $85,000 $2,384 3.12%

    Np 's top markets include Miami, New York, Colorado Springs, Washington, and Tampa among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 2,919 $940,945,000 $322,352 $5,809 3.24%
    VA » 2,706 $785,280,000 $290,200 $5,165 2.38%
    FHA » 616 $177,600,000 $288,312 $10,591 3.00%
    USDA » 14 $2,970,000 $212,143 $6,009 2.97%

    For the 2021 period, Np 's most frequently originated loan type of loans were Conventional, with 2,919 originations. Their 2nd most popular type is VA, with 2,706 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Refi » 4,039 $1,155,225,000 $286,018 $5,333 2.62%
    Home Purchase » 2,129 $723,375,000 $339,772 $7,267 3.26%
    Cash Out Refi » 69 $23,725,000 $343,841 $6,273 3.08%
    Home Improvement » 18 $4,470,000 $248,333 $5,326 3.24%

    For the 2021, Np 's most frequently cited loan purpose of loans were Refi, with 4,039 originations. The 2nd most popular reason of loans were Home Purchase, with 2,129 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 5,685 $1,746,945,000 $307,290 $6,032 2.86%
    15 Year » 248 $62,280,000 $251,129 $5,117 2.52%
    Other » 176 $47,150,000 $267,898 $5,327 2.51%
    20 Year » 111 $28,915,000 $260,495 $5,528 2.78%
    30+ year » 20 $18,180,000 $909,000 $18,742 5.01%
    10 Year » 15 $3,325,000 $221,667 $4,534 2.40%

    For the 2021, Np 's most frequently cited loan length of loans were 30 Year, with 5,685 originations. The 2nd most popular length of loans were 15 Year, with 248 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k » 2,858 $859,920,000 $300,882
    $2k-3k » 909 $259,125,000 $285,066
    $5k+ » 782 $314,520,000 $402,199
    $3k-4k » 721 $192,595,000 $267,122
    $<1k » 525 $147,195,000 $280,371
    $4k-5k » 460 $133,440,000 $290,087

    $6,032 of loans were Np 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,858 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% » 2,529 $716,555,000 $283,335
    2.5-3% » 1,813 $551,685,000 $304,294
    3-4% » 1,696 $527,270,000 $310,890
    4-5% » 131 $60,545,000 $462,176
    5-6% » 61 $37,645,000 $617,131
    6-7% » 22 $12,090,000 $549,545
    7-8% » 3 $1,005,000 $335,000

    During 2021, Np 's average interest rate of loans were 2.86%, while their most frequently originated rate bucket of loans were <2.5%, with 2,529 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 3,853 $1,087,395,000 $282,220 $5,758 2.75%
    $100k-200k » 1,218 $202,180,000 $165,993 $4,541 2.89%
    $400k-600k » 923 $440,325,000 $477,059 $7,307 2.98%
    $600k-1MM » 137 $100,335,000 $732,372 $12,778 3.43%
    $100,000 or less » 82 $6,750,000 $82,317 $3,444 3.28%
    $1MM+ » 42 $69,810,000 $1,662,143 $24,973 4.42%

    2021 saw Np place emphasis on $200k-400k loans with 3,853 originations, totaling $1,087,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less » 2,913 $775,525,000 $266,229 $4,847 2.45%
    $50k-75k » 901 $220,645,000 $244,889 $6,494 3.10%
    $100k-150k » 845 $284,685,000 $336,905 $6,654 3.17%
    $75k-100k » 764 $224,370,000 $293,678 $6,973 3.11%
    $150k-250k » 562 $231,420,000 $411,779 $6,990 3.24%
    $250k+ » 254 $165,710,000 $652,402 $10,282 3.62%

    Np lent most frequently to those with incomes in the $50k or less range, with 2,913 originations. The second most popular income band? $50k-75k, with 901 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% » 649 $211,025,000 $325,154 $6,105 3.17%
    20-30% » 598 $187,760,000 $313,980 $6,040 3.12%
    50-60% » 268 $85,810,000 $320,187 $10,749 2.98%
    44% » 214 $64,950,000 $303,505 $7,130 3.17%
    <20% » 185 $66,255,000 $358,135 $5,883 3.28%
    43% » 179 $55,995,000 $312,821 $6,705 3.19%
    49% » 159 $50,955,000 $320,472 $7,267 3.14%
    41% » 153 $46,665,000 $305,000 $6,305 3.24%
    45% » 148 $45,420,000 $306,892 $7,195 3.18%
    42% » 147 $49,225,000 $334,864 $6,546 3.24%
    48% » 138 $46,650,000 $338,043 $8,252 3.25%
    40% » 137 $44,915,000 $327,847 $6,515 3.22%
    39% » 132 $47,000,000 $356,061 $7,083 3.19%
    38% » 132 $41,450,000 $314,015 $5,980 3.21%
    46% » 125 $35,935,000 $287,480 $6,744 3.19%
    47% » 117 $37,725,000 $322,436 $7,616 3.33%
    36% » 116 $36,350,000 $313,362 $6,152 3.22%
    37% » 112 $38,750,000 $345,982 $6,826 3.19%
    >60% » 37 $12,775,000 $345,270 $5,738 2.51%

    Np lent most frequently to those with DTI ratios of 30-36%, with 649 originations. The next most common DTI ratio? 20-30%, with 598 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 4,565 $1,399,225,000 $306,512 $5,994 2.87%
    Black » 813 $235,215,000 $289,317 $6,366 2.81%
    Not provided » 698 $218,640,000 $313,238 $5,709 2.69%
    Asian » 149 $45,115,000 $302,785 $5,545 2.97%
    American Indian » 20 $5,480,000 $274,000 $7,386 2.71%
    Native Hawaiian or Islander » 10 $3,120,000 $312,000 $4,705 2.57%

    Approval Rates

    Total approvals of all applications
    92.76%

    Np has an average approval rate.

    Pick Rate

    Approvals leading to origination
    64.64%

    Np 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 6,255 $1,906,795,000 $304,843

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 6,255 $1,906,795,000 $304,843

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 177 $39,595,000 $223,701 $4,438 2.70%
    40-60% » 769 $211,555,000 $275,104 $5,030 2.69%
    60-80% » 2,395 $731,475,000 $305,418 $5,765 2.88%
    80-100% » 2,805 $882,985,000 $314,790 $6,320 2.85%
    Over 100% » 73 $31,765,000 $435,137 $16,092 2.85%
    Under 20% » 7 $1,195,000 $170,714 $2,818 2.73%