Np Mortgage Rates, Fees & Info
Delray Beach, FLLEI: 2549004Z576VEJBK3N72
Tax ID: 65-0709224
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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% | 4/22/24 |
| 30 Year Conventional Refi | 6.49% | 4/22/24 |
| 30 Year Cash-out Refi | 6.50% | 4/22/24 |
| 30 Year FHA Purchase | 7.53% | 4/22/24 |
| 30 Year FHA Refi | 6.99% | 4/22/24 |
| 30 Year VA Purchase | 6.25% | 4/22/24 |
| 30 Year VA Refi | 5.43% | 4/22/24 |
| 30 Year USDA Purchase | 6.81% | 4/22/24 |
| 15 Year Conventional Purchase | 6.15% | 4/22/24 |
| 15 Year Conventional Refi | 5.67% | 4/22/24 |
| 15 Year Cash-out Refi | 5.67% | 4/22/24 |
| 15 Year VA Refi | 5.78% | 4/22/24 |
| 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
1,808Origination Dollar Volume (All Markets)
$984,320,000Awards
NP - 2023
NP is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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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% |
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.
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Product Mix
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
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
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
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
2023 saw Np place emphasis on $200k-400k loans with 690 originations, totaling $206,410,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications84.76%
Np has a below average approval rate.
Pick Rate
Approvals leading to origination74.23%
Np has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,808 | $984,320,000 | $544,425 |