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

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

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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. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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

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

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


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.17% 11/27/22
    30 Year Conventional Refi 6.96% 11/27/22
    30 Year Cash-out Refi 6.84% 11/27/22
    30 Year FHA Purchase 7.74% 11/27/22
    30 Year FHA Refi 7.44% 11/27/22
    30 Year VA Purchase 6.73% 11/27/22
    30 Year VA Refi 6.11% 11/27/22
    30 Year USDA Purchase 7.10% 11/27/22
    30 Year USDA Refi 6.61% 11/27/22
    15 Year Conventional Purchase 6.40% 11/27/22
    15 Year Conventional Refi 6.33% 11/27/22
    15 Year Cash-out Refi 6.33% 11/27/22
    15 Year FHA Purchase 5.90% 11/27/22
    15 Year FHA Refi 7.93% 11/27/22
    15 Year VA Purchase 6.80% 11/27/22
    15 Year VA Refi 6.16% 11/27/22
    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 mortgage rate was 2.86%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.29%.

    Relative Fees (Closing Costs)

    Np's average total fees/closing costs for a 30 year fixed rate mortgage were $6,032.

    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 $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.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Texas (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.

    Los Angeles Federal Credit Union
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    Great Basin Federal Credit Union
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    RED CROWN
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    HENRICO Federal Credit Union
    Similarity Rank: 420
    OKLAHOMA CENTRAL Credit Union
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    AAXY L.L.C.
    Similarity Rank: 486
    Piedmont Federal Savings Bank
    Similarity Rank: 533

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Np's most frequently originated type of loan was Conventional, with 2,919 originations. Their 2nd most popular type was VA, with 2,706 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Np's most frequently cited loan purpose was Refi, with 4,039 originations. The 2nd most popular reason was 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 2021, Np's most frequently cited loan duration was 30 Year, with 5,685 originations. The 2nd most popular length was 15 Year, with 248 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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

    Np's average total fees were $6,032, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.86%, while their most frequently originated rate bucket for loans was <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%