Np Mortgage Rates, Fees & Info
Delray Beach, FLLEI: 2549004Z576VEJBK3N72
Tax ID: 65-0709224
5 stars
2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Np is a small mortgage company specializing in Refi and Home Purchase loans. Np has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include West Palm Beach, Fort Lauderdale, Miami, New Brunswick, and Washington among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Np is typically an average fee lendor.Originations
5,448Origination Dollar Volume (All Markets)
$1,538,870,000Awards
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NP - 2020
NP is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Relative Rate
Np 's average 30 year fixed rate mortgage of loans were
2.98%.
The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.
This yields a difference of -0.38%.
Relative Fees
Np 's average total fees for a 30 year fixed rate
mortgage are $5,777.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $5,021.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) | 711 | $214,975,000 | $302,356 | $5,685 | 3.25% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) | 630 | $197,690,000 | $313,794 | $6,263 | 3.22% |
| MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) | 298 | $100,990,000 | $338,893 | $7,604 | 3.03% |
| NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) | 202 | $59,720,000 | $295,644 | $6,389 | 3.08% |
| Outside of Metro Areas | 245 | $55,935,000 | $228,306 | $4,750 | 2.76% |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) | 117 | $50,075,000 | $427,991 | $7,671 | 2.78% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 165 | $42,595,000 | $258,152 | $5,356 | 3.21% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 87 | $27,775,000 | $319,253 | $5,355 | 2.71% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 109 | $27,615,000 | $253,349 | $5,847 | 3.16% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 91 | $27,195,000 | $298,846 | $5,051 | 2.96% |
| NEWARK, NJ-PA (FHA|USDA|VA) | 81 | $26,165,000 | $323,025 | $6,129 | 3.03% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 100 | $24,840,000 | $248,400 | $5,515 | 2.94% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 74 | $24,410,000 | $329,865 | $6,048 | 3.09% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 94 | $23,580,000 | $250,851 | $5,378 | 2.71% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 70 | $21,640,000 | $309,143 | $6,125 | 2.82% |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) | 59 | $20,805,000 | $352,627 | $6,671 | 3.14% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 66 | $17,050,000 | $258,333 | $5,056 | 2.64% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 50 | $16,780,000 | $335,600 | $5,348 | 2.70% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 59 | $15,835,000 | $268,390 | $5,006 | 2.72% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 53 | $15,325,000 | $289,151 | $5,927 | 2.58% |
| RICHMOND, VA (FHA|USDA|VA) | 48 | $13,320,000 | $277,500 | $5,260 | 3.01% |
| NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) | 39 | $12,985,000 | $332,949 | $4,518 | 3.20% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) | 43 | $12,195,000 | $283,605 | $6,682 | 2.94% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 48 | $11,780,000 | $245,417 | $5,604 | 2.67% |
| PHILADELPHIA, PA (FHA|USDA|VA) | 57 | $11,485,000 | $201,491 | $6,084 | 3.05% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) | 29 | $11,455,000 | $395,000 | $6,065 | 2.72% |
| DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) | 38 | $10,910,000 | $287,105 | $6,238 | 2.94% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 46 | $10,810,000 | $235,000 | $4,728 | 2.76% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 42 | $9,760,000 | $232,381 | $5,249 | 2.95% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 40 | $9,320,000 | $233,000 | $5,695 | 2.92% |
| SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) | 26 | $9,320,000 | $358,462 | $6,358 | 2.50% |
| SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) | 39 | $8,595,000 | $220,385 | $4,369 | 3.15% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 29 | $8,485,000 | $292,586 | $4,748 | 2.67% |
| OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) | 17 | $8,475,000 | $498,529 | $6,637 | 2.79% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 27 | $8,065,000 | $298,704 | $5,541 | 2.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 20 | $7,900,000 | $395,000 | $7,140 | 2.45% |
| CAMDEN, NJ (FHA|USDA|VA) | 33 | $7,805,000 | $236,515 | $5,861 | 2.98% |
| TACOMA-LAKEWOOD, WA (FHA|USDA|VA) | 28 | $7,630,000 | $272,500 | $4,872 | 2.65% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 23 | $7,475,000 | $325,000 | $5,590 | 3.29% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 31 | $6,485,000 | $209,194 | $4,402 | 3.06% |
| TUCSON, AZ (FHA|USDA|VA) | 24 | $5,930,000 | $247,083 | $4,576 | 2.70% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 26 | $5,860,000 | $225,385 | $6,157 | 3.11% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 24 | $5,690,000 | $237,083 | $3,882 | 2.81% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 23 | $5,685,000 | $247,174 | $5,518 | 3.28% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 22 | $5,280,000 | $240,000 | $4,805 | 2.65% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) | 16 | $5,200,000 | $325,000 | $7,364 | 2.78% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 17 | $5,195,000 | $305,588 | $5,125 | 2.68% |
| CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) | 21 | $5,055,000 | $240,714 | $4,894 | 2.65% |
| COLUMBIA, SC (FHA|USDA|VA) | 20 | $5,000,000 | $250,000 | $4,455 | 2.66% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) | 20 | $4,740,000 | $237,000 | $6,988 | 3.39% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 16 | $4,700,000 | $293,750 | $4,757 | 2.59% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 25 | $4,475,000 | $179,000 | $3,982 | 2.85% |
| PITTSBURGH, PA (FHA|USDA|VA) | 19 | $4,345,000 | $228,684 | $6,180 | 3.13% |
| RENO, NV (FHA|USDA|VA) | 14 | $4,230,000 | $302,143 | $5,041 | 2.57% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 19 | $4,055,000 | $213,421 | $4,351 | 2.62% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 15 | $3,805,000 | $253,667 | $4,346 | 2.71% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 19 | $3,795,000 | $199,737 | $4,640 | 2.82% |
| SAVANNAH, GA (FHA|USDA|VA) | 15 | $3,745,000 | $249,667 | $5,499 | 2.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 15 | $3,665,000 | $244,333 | $4,671 | 2.70% |
| ASHEVILLE, NC (FHA|USDA|VA) | 12 | $3,640,000 | $303,333 | $4,194 | 2.98% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 17 | $3,605,000 | $212,059 | $5,397 | 3.23% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 17 | $3,565,000 | $209,706 | $4,965 | 2.78% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 15 | $3,565,000 | $237,667 | $4,311 | 2.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 12 | $3,540,000 | $295,000 | $6,889 | 2.50% |
| GREELEY, CO (FHA|USDA|VA) | 11 | $3,405,000 | $309,545 | $6,994 | 2.82% |
| COLUMBUS, OH (FHA|USDA|VA) | 14 | $3,370,000 | $240,714 | $4,310 | 2.67% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 12 | $3,340,000 | $278,333 | $5,095 | 2.56% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 15 | $3,255,000 | $217,000 | $4,398 | 2.67% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 15 | $3,245,000 | $216,333 | $5,624 | 3.18% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 14 | $3,220,000 | $230,000 | $5,795 | 2.97% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 13 | $3,195,000 | $245,769 | $5,484 | 2.80% |
| PUEBLO, CO (FHA|USDA|VA) | 12 | $3,150,000 | $262,500 | $4,163 | 2.99% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 10 | $3,150,000 | $315,000 | $5,651 | 2.50% |
| VALLEJO, CA (FHA|USDA|VA) | 8 | $3,110,000 | $388,750 | $6,201 | 2.59% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 13 | $3,105,000 | $238,846 | $6,543 | 2.54% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 15 | $3,075,000 | $205,000 | $4,956 | 2.57% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 9 | $3,075,000 | $341,667 | $7,016 | 2.36% |
| WILMINGTON, DE-MD-NJ (FHA|USDA|VA) | 12 | $3,050,000 | $254,167 | $6,125 | 2.75% |
| ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) | 6 | $3,020,000 | $503,333 | $10,434 | 2.98% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 14 | $2,940,000 | $210,000 | $5,511 | 3.29% |
| WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) | 13 | $2,855,000 | $219,615 | $4,522 | 2.69% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 12 | $2,800,000 | $233,333 | $5,255 | 2.53% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $2,765,000 | $395,000 | $5,507 | 2.48% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $2,625,000 | $375,000 | $5,065 | 2.68% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 11 | $2,605,000 | $236,818 | $4,494 | 2.66% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 9 | $2,605,000 | $289,444 | $4,919 | 2.74% |
| TULSA, OK (FHA|USDA|VA) | 11 | $2,555,000 | $232,273 | $4,511 | 2.72% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 7 | $2,515,000 | $359,286 | $6,454 | 2.77% |
| WILMINGTON, NC (FHA|USDA|VA) | 9 | $2,505,000 | $278,333 | $5,462 | 2.89% |
| MONTGOMERY, AL (FHA|USDA|VA) | 11 | $2,465,000 | $224,091 | $4,994 | 2.51% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 10 | $2,410,000 | $241,000 | $3,997 | 2.70% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 11 | $2,385,000 | $216,818 | $4,748 | 2.82% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 11 | $2,255,000 | $205,000 | $3,566 | 2.59% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 9 | $2,245,000 | $249,444 | $4,871 | 2.81% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 10 | $2,200,000 | $220,000 | $4,545 | 2.54% |
| KNOXVILLE, TN (FHA|USDA|VA) | 10 | $2,190,000 | $219,000 | $5,951 | 2.87% |
| SALEM, OR (FHA|USDA|VA) | 8 | $2,130,000 | $266,250 | $7,503 | 2.55% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $7,050 | 2.95% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 11 | $2,045,000 | $185,909 | $5,107 | 2.83% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $1,980,000 | $247,500 | $7,996 | 2.58% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 10 | $1,950,000 | $195,000 | $4,510 | 2.92% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 9 | $1,935,000 | $215,000 | $4,383 | 2.79% |
| OCALA, FL (FHA|USDA|VA) | 8 | $1,930,000 | $241,250 | $5,096 | 2.97% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 9 | $1,905,000 | $211,667 | $4,615 | 2.65% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 10 | $1,900,000 | $190,000 | $3,699 | 2.98% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $4,602 | 2.61% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $1,870,000 | $233,750 | $5,029 | 3.03% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 9 | $1,855,000 | $206,111 | $4,923 | 3.00% |
| MOBILE, AL (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $4,904 | 2.61% |
| YUBA CITY, CA (FHA|USDA|VA) | 6 | $1,820,000 | $303,333 | $4,791 | 2.42% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 10 | $1,820,000 | $182,000 | $4,810 | 3.03% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $6,731 | 2.82% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $1,755,000 | $585,000 | $7,874 | 2.63% |
| GARY, IN (FHA|USDA|VA) | 9 | $1,725,000 | $191,667 | $6,056 | 3.10% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $6,106 | 2.71% |
| PANAMA CITY, FL (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $4,924 | 2.91% |
| DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $3,954 | 2.90% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $6,548 | 2.67% |
| WICHITA, KS (FHA|USDA|VA) | 8 | $1,500,000 | $187,500 | $5,333 | 2.69% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $3,780 | 2.77% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $4,250 | 2.73% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $6,080 | 2.85% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $5,667 | 2.65% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $4,361 | 2.67% |
| ROANOKE, VA (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $8,067 | 2.91% |
| EL PASO, TX (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $5,221 | 2.55% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $4,839 | 2.45% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 7 | $1,265,000 | $180,714 | $3,048 | 2.91% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $5,797 | 2.45% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $6,416 | 3.03% |
| AMARILLO, TX (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $5,920 | 3.27% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $3,276 | 2.58% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $6,159 | 2.35% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $4,650 | 2.69% |
| SANTA FE, NM (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $3,128 | 2.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $4,104 | 3.23% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,180,000 | $590,000 | $9,088 | 2.81% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $5,146 | 2.53% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $4,907 | 2.65% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $5,205 | 2.78% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $6,180 | 2.46% |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $3,821 | 2.73% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $5,961 | 2.63% |
| YAKIMA, WA (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $4,188 | 3.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $5,151 | 2.87% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $3,866 | 2.58% |
| WALLA WALLA, WA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,614 | 2.72% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $5,104 | 3.23% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $4,092 | 2.71% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $4,807 | 2.81% |
| GRANTS PASS, OR (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $5,605 | 2.42% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $4,444 | 2.88% |
| ELGIN, IL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $3,781 | 2.79% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $4,448 | 2.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $5,977 | 2.91% |
| DOVER, DE (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $4,966 | 2.53% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $3,462 | 2.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $4,256 | 2.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,856 | 2.42% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,621 | 3.13% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $9,433 | 3.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $4,670 | 2.56% |
| LAS CRUCES, NM (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $5,626 | 2.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,251 | 2.92% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $4,478 | 2.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,974 | 2.58% |
| BURLINGTON, NC (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,939 | 3.16% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,854 | 2.58% |
| JACKSON, TN (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $4,054 | 2.75% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,473 | 2.63% |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $9,739 | 2.75% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,073 | 2.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,343 | 2.58% |
| LONGVIEW, WA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $8,509 | 2.58% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,020 | 2.69% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,878 | 2.58% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,749 | 3.46% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $7,128 | 3.87% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,404 | 2.42% |
| CHICO, CA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $5,126 | 2.75% |
| REDDING, CA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,843 | 2.50% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,565 | 2.58% |
| HINESVILLE, GA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,952 | 2.92% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,015 | 2.88% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,718 | 2.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,174 | 2.58% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $7,221 | 2.50% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $5,213 | 2.83% |
| LEBANON, PA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $5,780 | 2.46% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,111 | 2.75% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,284 | 2.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,826 | 3.00% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,966 | 2.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $6,462 | 3.25% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,418 | 2.75% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,911 | 2.56% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,747 | 2.81% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,401 | 2.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,237 | 3.06% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,688 | 2.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,568 | 2.56% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,454 | 2.50% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,102 | 2.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,017 | 2.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,930 | 3.06% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,546 | 2.94% |
| MERCED, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,051 | 3.13% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,751 | 2.25% |
| MADERA, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,864 | 3.00% |
| LAWTON, OK (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,348 | 3.00% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,885 | 3.00% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,667 | 3.75% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,386 | 2.50% |
| TYLER, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,356 | 3.38% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,367 | 2.88% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,052 | 3.19% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,061 | 2.94% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $4,460 | 3.46% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,306 | 2.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,233 | 2.88% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,908 | 2.81% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,559 | 2.50% |
| READING, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,497 | 3.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,824 | 3.06% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,845 | 2.75% |
| DALTON, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,737 | 2.50% |
| AMES, IA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,095 | 2.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,919 | 4.25% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,459 | 3.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,313 | 3.31% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,940 | 3.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,005 | 3.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,737 | 2.75% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,252 | 2.25% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,656 | 2.25% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,775 | 2.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,737 | 2.75% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,568 | 2.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,176 | 2.87% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,521 | 3.12% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,536 | 2.75% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,371 | 2.25% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,187 | 3.81% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,227 | 2.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,385 | 2.25% |
| MADISON, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 3.13% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,527 | 2.75% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,916 | 2.25% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,274 | 2.63% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,447 | 3.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,757 | 2.25% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,896 | 2.75% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,135 | 2.25% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,505 | 3.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,104 | 2.75% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,648 | 2.88% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,937 | 2.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,566 | 2.75% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,281 | 2.75% |
| MONROE, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,389 | 2.75% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,081 | 2.75% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,160 | 2.50% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,854 | 3.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,694 | 2.75% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,342 | 2.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,722 | 2.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,059 | 3.88% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,197 | 2.63% |
| RACINE, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,741 | 2.25% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,320 | 2.25% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,453 | 3.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,748 | 3.13% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,906 | 2.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,478 | 2.75% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,431 | 2.25% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,350 | 2.75% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,873 | 2.63% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,201 | 3.25% |
| AKRON, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,578 | 3.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,722 | 2.75% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,045 | 2.75% |
| FLINT, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,728 | 2.75% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,480 | 2.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,776 | 2.75% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,831 | 2.88% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,305 | 2.75% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,654 | 4.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,516 | 4.13% |
| WACO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,839 | 2.88% |
Np 's top markets include West Palm Beach, Fort Lauderdale, Miami, New Brunswick, and Washington among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 2,675 | $787,775,000 | $294,495 | $5,094 | 3.22% |
| VA | 2,064 | $562,170,000 | $272,369 | $5,147 | 2.60% |
| FHA | 705 | $188,245,000 | $267,014 | $9,523 | 3.05% |
| USDA | 4 | $680,000 | $170,000 | $5,719 | 3.53% |
For the 2020 period, Np 's most frequently originated loan type of loans were Conventional, with 2,675 originations. Their 2nd most popular type is VA, with 2,064 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 3,763 | $1,029,705,000 | $273,639 | $5,182 | 2.85% |
| Home Purchase | 1,685 | $509,165,000 | $302,175 | $6,838 | 3.23% |
For the 2020, Np 's most frequently cited loan purpose of loans were Refi, with 3,763 originations. The 2nd most popular reason of loans were Home Purchase, with 1,685 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 4,945 | $1,408,725,000 | $284,879 | $5,777 | 2.98% |
| 15 Year | 244 | $65,130,000 | $266,926 | $4,797 | 2.73% |
| 20 Year | 121 | $28,435,000 | $235,000 | $4,871 | 2.79% |
| Other | 117 | $31,555,000 | $269,701 | $4,957 | 2.75% |
| 30+ year | 11 | $3,155,000 | $286,818 | $13,916 | 6.08% |
| 10 Year | 10 | $1,870,000 | $187,000 | $3,464 | 2.76% |
For the 2020, Np 's most frequently cited loan length of loans were 30 Year, with 4,945 originations. The 2nd most popular length of loans were 15 Year, with 244 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 2,893 | $816,735,000 | $282,314 |
| $3k-4k | 1,036 | $276,420,000 | $266,815 |
| $2k-3k | 706 | $171,660,000 | $243,144 |
| $5k+ | 507 | $193,365,000 | $381,391 |
| $<1k | 281 | $73,695,000 | $262,260 |
$5,777 of loans were Np 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,893 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 2,469 | $693,035,000 | $280,695 |
| 3-4% | 1,553 | $426,125,000 | $274,388 |
| <2.5% | 1,204 | $353,240,000 | $293,389 |
| 4-5% | 150 | $37,700,000 | $251,333 |
| 5-6% | 34 | $15,310,000 | $450,294 |
| 6-7% | 29 | $11,255,000 | $388,103 |
| 7-8% | 7 | $1,735,000 | $247,857 |
| Over 8% | 2 | $470,000 | $235,000 |
During 2020, Np 's average interest rate of loans were 2.98%, while their most frequently originated rate bucket of loans were 2.5-3%, with 2,469 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 3,073 | $872,285,000 | $283,855 | $5,958 | 2.90% |
| $100k-200k | 1,482 | $244,430,000 | $164,933 | $4,358 | 3.05% |
| $400k-600k | 719 | $336,135,000 | $467,503 | $6,699 | 2.98% |
| $100,000 or less | 83 | $6,845,000 | $82,470 | $3,559 | 3.54% |
| $600k-1MM | 73 | $50,905,000 | $697,329 | $10,146 | 2.98% |
| $1MM+ | 18 | $28,270,000 | $1,570,556 | $23,853 | 3.95% |
2020 saw Np place emphasis on $200k-400k loans with 3,073 originations, totaling $872,285,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k or less | 2,421 | $608,295,000 | $251,258 | $5,070 | 2.72% |
| $100k-150k | 841 | $268,535,000 | $319,304 | $5,896 | 3.14% |
| $50k-75k | 802 | $186,640,000 | $232,718 | $6,315 | 3.13% |
| $75k-100k | 679 | $187,975,000 | $276,841 | $6,424 | 3.19% |
| $150k-250k | 486 | $177,950,000 | $366,152 | $5,742 | 3.15% |
| $250k+ | 216 | $108,690,000 | $503,194 | $7,207 | 3.26% |
Np lent most frequently to those with incomes in the $50k or less range, with 2,421 originations. The second most popular income band? $100k-150k, with 841 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30-36% | 576 | $167,210,000 | $290,295 | $5,501 | 3.13% |
| 20-30% | 564 | $159,990,000 | $283,670 | $4,968 | 3.11% |
| 50-60% | 237 | $68,685,000 | $289,810 | $10,141 | 2.98% |
| 44% | 191 | $57,145,000 | $299,188 | $6,478 | 3.19% |
| <20% | 161 | $51,045,000 | $317,050 | $5,052 | 3.10% |
| 43% | 159 | $45,295,000 | $284,874 | $5,871 | 3.17% |
| 49% | 151 | $46,895,000 | $310,563 | $6,744 | 3.21% |
| 41% | 143 | $46,415,000 | $324,580 | $6,192 | 3.28% |
| 39% | 140 | $43,380,000 | $309,857 | $6,149 | 3.21% |
| 42% | 132 | $37,670,000 | $285,379 | $5,953 | 3.26% |
| 40% | 128 | $36,160,000 | $282,500 | $5,890 | 3.23% |
| 37% | 126 | $39,100,000 | $310,317 | $5,710 | 3.13% |
| 48% | 122 | $34,740,000 | $284,754 | $6,442 | 3.21% |
| 38% | 118 | $33,020,000 | $279,831 | $5,398 | 3.15% |
| 46% | 117 | $32,185,000 | $275,085 | $6,935 | 3.29% |
| 47% | 109 | $29,605,000 | $271,606 | $6,644 | 3.19% |
| 45% | 109 | $31,755,000 | $291,330 | $6,352 | 3.15% |
| 36% | 96 | $28,670,000 | $298,646 | $5,415 | 3.16% |
| >60% | 25 | $7,645,000 | $305,800 | $9,433 | 4.63% |
Np lent most frequently to those with DTI ratios of 30-36%, with 576 originations. The next most common DTI ratio? 20-30%, with 564 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 4,340 | $1,227,120,000 | $282,747 | $5,597 | 2.97% |
| Black | 750 | $204,260,000 | $272,347 | $6,201 | 2.95% |
| Not provided | 215 | $63,125,000 | $293,605 | $5,872 | 2.87% |
| Asian | 115 | $37,395,000 | $325,174 | $5,688 | 3.24% |
| American Indian | 20 | $5,010,000 | $250,500 | $5,539 | 2.89% |
| Native Hawaiian | 7 | $1,585,000 | $226,429 | $5,829 | 2.95% |
| 1 | $375,000 | $375,000 | $7,649 | 2.75% |
Approval Rates
Total approvals of all applications91.04%
Np has an average approval rate.
Pick Rate
Approvals leading to origination74.34%
Np has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,448 | $1,538,870,000 | $282,465 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 5 | $1,225,000 | $245,000 |
| Single Family (1-4 Units):Site-Built | 5,443 | $1,537,645,000 | $282,500 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 108 | $26,360,000 | $244,074 | $4,794 | 2.91% |
| 40-60% | 486 | $131,890,000 | $271,379 | $4,818 | 2.87% |
| 60-80% | 1,871 | $524,275,000 | $280,211 | $5,100 | 3.07% |
| 80-100% | 2,925 | $835,535,000 | $285,653 | $6,108 | 2.92% |
| Over 100% | 50 | $18,790,000 | $375,800 | $13,821 | 2.95% |
| Under 20% | 8 | $2,020,000 | $252,500 | $4,736 | 2.61% |