Np Mortgage Rates, Fees & Info
Delray Beach, FLLEI: 2549004Z576VEJBK3N72
Tax ID: 65-0709224
1 stars - Updated: 7/13/25
-
out of 5 stars, based on 48 reviews
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Np is a small mortgage company specializing in Home Purchase and Refi loans. Np has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Miami, Los Angeles, San Diego, and Atlanta among others. We have data for 215 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 | 8.25% | 7/13/25 |
| 30 Year Conventional Refi | 8.44% | 7/13/25 |
| 30 Year FHA Purchase | 7.54% | 7/13/25 |
| 30 Year FHA Refi | 7.24% | 7/13/25 |
| 30 Year VA Purchase | 6.72% | 7/13/25 |
| 30 Year VA Refi | 6.27% | 7/13/25 |
| 30 Year USDA Purchase | 6.54% | 7/13/25 |
| 15 Year Conventional Purchase | 7.06% | 7/13/25 |
| 15 Year Conventional Refi | 7.06% | 7/13/25 |
| 15 Year Cash-out Refi | 7.06% | 7/13/25 |
| 15 Year FHA Purchase | 6.00% | 7/13/25 |
| 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
2,276Origination Dollar Volume (All Markets)
$1,332,710,000Relative Rate
Np's average 30 year fixed mortgage rate was
7.88%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 1.33%.
Relative Fees (Closing Costs)
Np's average total fees/closing costs for a 30 year fixed rate
mortgage were $13,768.
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 $8,356.
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 |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 371 | $264,625,000 | $713,275 | $15,980 | 7.94% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 274 | $175,610,000 | $640,912 | $16,599 | 7.50% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 90 | $110,790,000 | $1,231,000 | $17,068 | 8.16% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 70 | $59,120,000 | $844,571 | $21,446 | 7.52% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 93 | $49,175,000 | $528,763 | $10,867 | 8.39% |
| Outside of Metro Areas | 99 | $41,805,000 | $422,273 | $8,527 | 8.31% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 75 | $33,465,000 | $446,200 | $12,958 | 7.29% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 48 | $31,740,000 | $661,250 | $15,865 | 8.12% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 51 | $30,795,000 | $603,824 | $16,402 | 7.82% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 78 | $29,410,000 | $377,051 | $11,799 | 6.98% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 36 | $23,300,000 | $647,222 | $15,192 | 8.31% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 45 | $23,235,000 | $516,333 | $7,702 | 7.98% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 22 | $22,570,000 | $1,025,909 | $20,048 | 7.79% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 29 | $20,985,000 | $723,621 | $22,216 | 8.18% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 44 | $19,460,000 | $442,273 | $10,794 | 8.48% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 35 | $19,375,000 | $553,571 | $11,622 | 7.80% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 40 | $18,960,000 | $474,000 | $15,005 | 8.10% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 63 | $17,145,000 | $272,143 | $8,162 | 6.91% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 22 | $14,680,000 | $667,273 | $16,088 | 7.79% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 10 | $10,270,000 | $1,027,000 | $23,936 | 7.59% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 18 | $10,160,000 | $564,444 | $15,446 | 7.78% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 25 | $9,735,000 | $389,400 | $11,999 | 7.90% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 21 | $9,045,000 | $430,714 | $11,109 | 8.23% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $8,910,000 | $742,500 | $11,148 | 7.40% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $8,830,000 | $630,714 | $12,027 | 8.11% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $8,670,000 | $2,167,500 | $29,791 | 8.19% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 13 | $8,635,000 | $664,231 | $14,265 | 7.86% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 10 | $8,350,000 | $835,000 | $18,886 | 7.19% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $8,205,000 | $911,667 | $22,739 | 8.14% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 12 | $6,290,000 | $524,167 | $12,061 | 7.80% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 15 | $5,855,000 | $390,333 | $11,966 | 8.55% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 13 | $5,085,000 | $391,154 | $12,478 | 6.91% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $5,075,000 | $1,691,667 | $21,630 | 7.46% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 14 | $4,780,000 | $341,429 | $10,790 | 8.09% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $4,730,000 | $591,250 | $13,887 | 7.73% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 14 | $4,390,000 | $313,571 | $10,471 | 8.43% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $4,375,000 | $875,000 | $13,472 | 8.17% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 11 | $4,215,000 | $383,182 | $11,924 | 8.40% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 8 | $4,100,000 | $512,500 | $18,034 | 8.28% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 7 | $3,915,000 | $559,286 | $1,949 | 8.73% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $3,900,000 | $650,000 | $9,680 | 7.92% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 8 | $3,790,000 | $473,750 | $16,509 | 5.89% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $3,635,000 | $1,211,667 | $22,662 | 7.58% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 5 | $3,595,000 | $719,000 | $15,207 | 8.57% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 14 | $3,570,000 | $255,000 | $9,007 | 7.59% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $3,560,000 | $593,333 | $15,836 | 7.79% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $3,515,000 | $502,143 | $14,822 | 8.14% |
| Key West, FL (FHA|USDA|VA) | 2 | $3,470,000 | $1,735,000 | $15,179 | 8.37% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $3,320,000 | $415,000 | $10,822 | 7.84% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 11 | $3,245,000 | $295,000 | $11,155 | 8.67% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $3,035,000 | $1,011,667 | $21,928 | 7.62% |
| NAPA, CA (FHA|USDA|VA) | 1 | $2,995,000 | $2,995,000 | $0 | 7.87% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $2,855,000 | $571,000 | $12,242 | 8.10% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $2,845,000 | $569,000 | $13,008 | 8.55% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 9 | $2,745,000 | $305,000 | $12,522 | 8.03% |
| ANCHORAGE, AK (FHA|USDA|VA) | 5 | $2,545,000 | $509,000 | $4,065 | 6.80% |
| OCALA, FL (FHA|USDA|VA) | 8 | $2,460,000 | $307,500 | $7,981 | 8.17% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 5 | $2,425,000 | $485,000 | $8,736 | 8.30% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 6 | $2,380,000 | $396,667 | $10,792 | 8.60% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $2,240,000 | $1,120,000 | $38,115 | 8.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 6 | $2,240,000 | $373,333 | $12,578 | 8.67% |
| KINGSTON, NY (FHA|USDA|VA) | 4 | $2,230,000 | $557,500 | $17,224 | 8.12% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $9,988 | 7.54% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $2,065,000 | $688,333 | $10,132 | 8.29% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $2,045,000 | $681,667 | $15,689 | 7.79% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $9,211 | 7.57% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $1,875,000 | $625,000 | $20,111 | 8.04% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $11,826 | 7.77% |
| Centralia, WA (FHA|USDA|VA) | 1 | $1,805,000 | $1,805,000 | $170 | 8.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $1,805,000 | $257,857 | $4,991 | 8.18% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $1,785,000 | $595,000 | $8,376 | 8.17% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $6,012 | 8.37% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $14,340 | 8.35% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $1,625,000 | $1,625,000 | $170 | 8.50% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $1,585,000 | $528,333 | $17,933 | 9.46% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $10,582 | 7.40% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $15,155 | 7.72% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $10,508 | 8.03% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,485,000 | $495,000 | $6,649 | 8.37% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $11,676 | 7.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $8,448 | 7.77% |
| PITTSBURGH, PA (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $6,339 | 7.26% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $1,445,000 | $481,667 | $17,371 | 7.87% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $6,706 | 7.10% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $13,698 | 7.67% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $1,404 | 8.97% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $11,830 | 8.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $13,598 | 7.53% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $7,725 | 7.37% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $1,275,000 | $1,275,000 | $51,051 | 7.12% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $2,405 | 8.67% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $17,154 | 7.19% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $1,235,000 | $1,235,000 | $25,061 | 8.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $13,829 | 7.41% |
| SALEM, OR (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $7,848 | 8.33% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $7,859 | 7.75% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $7,523 | 7.56% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $9,655 | 7.83% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $14,050 | 7.19% |
| DOVER, DE (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $9,965 | 10.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $7,618 | 8.92% |
| Easton, MD (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $170 | 7.12% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $8,437 | 8.94% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $7,521 | 7.42% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $11,108 | 7.71% |
| READING, PA (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $3,326 | 7.08% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $18,867 | 8.06% |
| MERCED, CA (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $8,872 | 8.91% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $3,572 | 8.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $25,181 | 7.50% |
| Montrose, CO (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $16,504 | 7.06% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $11,482 | 8.17% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $15,767 | 7.62% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $9,894 | 9.06% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $13,296 | 6.62% |
| ABILENE, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $11,647 | 7.83% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $170 | 9.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $5,500 | 8.19% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $9,898 | 8.62% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,906 | 6.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $9,663 | 7.33% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,982 | 8.62% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $13,561 | 8.12% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $11,611 | 7.33% |
| Athens, TX (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $21,199 | 9.25% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $12,585 | 8.46% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $10,863 | 9.06% |
| TULSA, OK (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $9,725 | 8.33% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $12,011 | 6.75% |
| MADERA, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $17,400 | 7.62% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $14,580 | 7.25% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $885 | 8.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 8.25% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $23,468 | 9.62% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $0 | 7.00% |
| CHICO, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $20,763 | 6.88% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,209 | 9.69% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $6,861 | 8.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $12,341 | 7.87% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $12,218 | 6.81% |
| ROME, GA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $170 | 8.87% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,502 | 7.37% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $15,664 | 7.50% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $13,708 | 10.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $12,990 | 8.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $12,151 | 8.87% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $10,602 | 9.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 7.99% |
| Hudson, NY (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $14,602 | 8.25% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $20,061 | 7.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $12,682 | 10.38% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $10,797 | 7.00% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $16,817 | 8.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $13,232 | 8.25% |
| Durango, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $14,405 | 7.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,056 | 7.49% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,355 | 6.63% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $16,633 | 7.38% |
| RENO, NV (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $13,566 | 7.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $15,520 | 9.12% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,539 | 7.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $9,484 | 7.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,529 | 9.81% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,064 | 7.50% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $170 | 7.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,214 | 6.99% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $9,118 | 8.69% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $16,335 | 7.62% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $15,169 | 7.75% |
| BEND, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $22,224 | 6.50% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $17,813 | 6.87% |
| Marion, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $170 | 8.25% |
| Sikeston, MO (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,214 | 6.94% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,194 | 7.75% |
| Sterling, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,303 | 7.00% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,208 | 8.12% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $322 | 8.87% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $16,511 | 7.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,630 | 8.25% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,687 | 7.62% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,762 | 8.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,076 | 7.90% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,913 | 8.00% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,582 | 8.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.75% |
| McAlester, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,148 | 7.87% |
| Salina, KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,520 | 7.63% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,062 | 8.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,962 | 8.25% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,273 | 5.25% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,390 | 8.25% |
| Newport, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,822 | 7.37% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,522 | 7.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $170 | 8.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,156 | 7.87% |
| RACINE, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $170 | 8.50% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,772 | 8.25% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $170 | 8.87% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $170 | 8.62% |
| REDDING, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,317 | 8.12% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $170 | 8.87% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,203 | 6.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,265 | 10.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $170 | 9.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,382 | 7.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,026 | 6.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $170 | 8.00% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,465 | 9.37% |
| Ashland, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,361 | 7.50% |
| Fremont, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,323 | 7.00% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $170 | 9.62% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,086 | 7.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,849 | 8.62% |
| ERIE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,645 | 10.00% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,480 | 8.62% |
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Product Mix
For 2024, Np's most frequently originated type of loan was Conventional, with 2,085 originations. Their 2nd most popular type was FHA, with 130 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 1,772 | $973,650,000 | $549,464 | $13,691 | 7.78% |
| Refi | 504 | $359,060,000 | $712,421 | $14,048 | 8.13% |
For 2024, Np's most frequently cited loan purpose was Home Purchase, with 1,772 originations. The 2nd most popular reason was Refi, with 504 originations.
Loan Duration/Length
For 2024, Np's most frequently cited loan duration was 30 Year, with 2,231 originations. The 2nd most popular length was 30+ year, with 14 originations.
Origination Fees/Closing Costs
Np's average total fees were $13,768, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,414 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 1,003 | $647,905,000 | $645,967 |
| Over 8% | 798 | $472,800,000 | $592,481 |
| 6-7% | 406 | $190,970,000 | $470,369 |
| 5-6% | 57 | $20,835,000 | $365,526 |
| <2.5% | 9 | $165,000 | $18,333 |
During 2024, Np's average interest rate for loans was 7.88%, while their most frequently originated rate bucket for loans was 7-8%, with 1,003 originations.
Loan Sizing
2024 saw Np place emphasis on $200k-400k loans with 820 originations, totaling $246,920,000 in origination value.
Applicant Income
Np lent most frequently to those with incomes in the $250k+ range, with 872 originations. The second most popular income band? $150k-250k, with 527 originations.
Applicant Debt to Income Ratio
Np lent most frequently to those with DTI ratios of 20-30%, with 327 originations. The next most common DTI ratio? 30-36%, with 325 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.03%
Np has an average approval rate.
Pick Rate
Approvals leading to origination82.34%
Np has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,276 | $1,332,710,000 | $585,549 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,276 | $1,332,710,000 | $585,549 |