Np Mortgage Rates, Fees & Info

Delray Beach, FL

LEI: 2549004Z576VEJBK3N72

Tax ID: 65-0709224

2.6 stars - out of 5 stars, based on 43 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Np is a smaller mortgage company specializing in Home Purchase and Refi loans. Np has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Miami, New York, Washington, Tampa, and Port St. Lucie among others. We have data for 230 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 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 7.16% 5/28/23
30 Year Conventional Refi 6.49% 5/28/23
30 Year Cash-out Refi 6.50% 5/28/23
30 Year FHA Purchase 7.53% 5/28/23
30 Year FHA Refi 6.99% 5/28/23
30 Year VA Purchase 6.25% 5/28/23
30 Year VA Refi 5.43% 5/28/23
30 Year USDA Purchase 6.81% 5/28/23
15 Year Conventional Purchase 6.15% 5/28/23
15 Year Conventional Refi 5.67% 5/28/23
15 Year Cash-out Refi 5.67% 5/28/23
15 Year VA Refi 5.78% 5/28/23
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Np Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Np. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,834

Origination Dollar Volume (All Markets)

$644,750,000
Show all (93) awards

Relative Rate

Np's average 30 year fixed mortgage rate was 4.68%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.08%.

Relative Fees (Closing Costs)

Np's average total fees/closing costs for a 30 year fixed rate mortgage were $9,133.

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) 451 $191,845,000 $425,377 $11,286 5.10%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 86 $37,620,000 $437,442 $12,928 5.04%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 71 $29,635,000 $417,394 $7,677 4.47%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 47 $19,145,000 $407,340 $11,125 4.68%
PORT ST. LUCIE, FL (FHA|USDA|VA) 45 $15,825,000 $351,667 $10,341 5.41%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 39 $14,895,000 $381,923 $4,086 3.57%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 23 $13,565,000 $589,783 $20,827 6.20%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 34 $10,190,000 $299,706 $8,738 5.23%
ST. LOUIS, MO-IL (FHA|USDA|VA) 42 $9,830,000 $234,048 $5,717 4.87%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 25 $9,595,000 $383,800 $10,550 4.92%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 30 $9,490,000 $316,333 $5,484 3.28%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 41 $9,345,000 $227,927 $9,419 5.31%
COLUMBUS, OH (FHA|USDA|VA) 29 $9,045,000 $311,897 $7,830 5.84%
Outside of Metro Areas 28 $8,890,000 $317,500 $8,643 4.16%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 25 $8,885,000 $355,400 $6,040 3.36%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 30 $8,870,000 $295,667 $6,322 3.92%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 22 $8,710,000 $395,909 $6,759 3.48%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 34 $8,460,000 $248,824 $9,285 4.23%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 23 $8,325,000 $361,957 $9,353 5.36%
RALEIGH-CARY, NC (FHA|USDA|VA) 24 $8,040,000 $335,000 $3,646 3.29%
Clewiston, FL (FHA|USDA|VA) 29 $7,985,000 $275,345 $12,071 4.81%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 20 $7,520,000 $376,000 $5,885 3.62%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 15 $7,515,000 $501,000 $10,234 4.08%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 16 $6,260,000 $391,250 $7,707 4.27%
JACKSONVILLE, FL (FHA|USDA|VA) 17 $5,935,000 $349,118 $7,054 4.29%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 17 $5,145,000 $302,647 $5,093 2.90%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 17 $5,075,000 $298,529 $6,004 3.38%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 16 $4,740,000 $296,250 $8,721 3.51%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 12 $4,590,000 $382,500 $4,832 2.59%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $4,540,000 $1,135,000 $20,161 4.47%
LAKE CHARLES, LA (FHA|USDA|VA) 20 $4,120,000 $206,000 $6,222 5.79%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $3,815,000 $346,818 $8,301 5.24%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $3,585,000 $398,333 $3,698 3.37%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 13 $3,505,000 $269,615 $6,780 4.02%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 12 $3,500,000 $291,667 $7,043 3.56%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 8 $3,050,000 $381,250 $5,156 3.72%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 9 $2,985,000 $331,667 $6,091 3.89%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $2,970,000 $371,250 $12,906 5.16%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 10 $2,400,000 $240,000 $5,899 3.62%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $2,380,000 $595,000 $11,337 4.62%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $2,370,000 $395,000 $14,261 4.50%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $2,285,000 $326,429 $6,611 3.80%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 8 $2,070,000 $258,750 $6,785 4.33%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $2,025,000 $225,000 $5,450 3.79%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $1,965,000 $280,714 $5,549 3.52%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $1,960,000 $245,000 $4,221 3.15%
RICHMOND, VA (FHA|USDA|VA) 6 $1,830,000 $305,000 $4,434 3.86%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,750,000 $437,500 $5,528 3.58%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $1,715,000 $343,000 $6,696 4.05%
FRESNO, CA (FHA|USDA|VA) 5 $1,635,000 $327,000 $14,779 6.62%
VALLEJO, CA (FHA|USDA|VA) 3 $1,605,000 $535,000 $10,156 3.71%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $1,565,000 $313,000 $6,850 3.17%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $1,565,000 $313,000 $7,040 3.82%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $1,560,000 $390,000 $7,722 5.44%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 7 $1,465,000 $209,286 $6,940 4.73%
COLUMBIA, SC (FHA|USDA|VA) 8 $1,420,000 $177,500 $10,364 4.11%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 5 $1,405,000 $281,000 $7,569 5.12%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,390,000 $231,667 $6,273 4.90%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 7 $1,385,000 $197,857 $9,279 3.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $1,380,000 $345,000 $4,925 4.04%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,345,000 $269,000 $8,796 5.23%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,300,000 $325,000 $9,819 3.66%
OCALA, FL (FHA|USDA|VA) 9 $1,255,000 $139,444 $5,061 5.78%
SPRINGFIELD, MO (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,546 6.21%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $1,205,000 $401,667 $22,082 4.63%
SAVANNAH, GA (FHA|USDA|VA) 4 $1,190,000 $297,500 $9,756 5.06%
PITTSBURGH, PA (FHA|USDA|VA) 5 $1,175,000 $235,000 $6,241 4.35%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 5 $1,175,000 $235,000 $4,890 2.92%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $1,170,000 $292,500 $5,575 3.44%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $1,135,000 $378,333 $5,126 3.83%
ASHEVILLE, NC (FHA|USDA|VA) 4 $1,120,000 $280,000 $8,389 6.47%
ANCHORAGE, AK (FHA|USDA|VA) 4 $1,100,000 $275,000 $6,525 2.53%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $1,075,000 $215,000 $8,871 4.69%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $1,045,000 $348,333 $13,169 4.04%
SALINAS, CA (FHA|USDA|VA) 2 $1,010,000 $505,000 $16,133 3.69%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,010,000 $505,000 $3,504 2.99%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 4 $1,000,000 $250,000 $4,659 3.09%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $945,000 $189,000 $5,198 4.35%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $930,000 $232,500 $7,066 4.66%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $925,000 $308,333 $4,268 2.68%
TULSA, OK (FHA|USDA|VA) 3 $915,000 $305,000 $3,938 2.54%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $880,000 $220,000 $5,200 2.88%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $875,000 $291,667 $3,083 2.97%
BELLINGHAM, WA (FHA|USDA|VA) 2 $850,000 $425,000 $3,674 3.51%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $840,000 $210,000 $5,726 2.56%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $830,000 $415,000 $12,142 3.31%
Edwards, CO (FHA|USDA|VA) 1 $825,000 $825,000 $9,386 2.87%
TUCSON, AZ (FHA|USDA|VA) 4 $810,000 $202,500 $3,319 3.06%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $810,000 $405,000 $14,571 5.44%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $775,000 $258,333 $9,429 4.42%
CHICO, CA (FHA|USDA|VA) 2 $770,000 $385,000 $12,081 4.56%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $760,000 $380,000 $17,341 3.75%
LAREDO, TX (FHA|USDA|VA) 2 $750,000 $375,000 $3,765 3.71%
EL PASO, TX (FHA|USDA|VA) 4 $720,000 $180,000 $5,115 3.28%
Oak Harbor, WA (FHA|USDA|VA) 2 $720,000 $360,000 $6,727 2.25%
MODESTO, CA (FHA|USDA|VA) 2 $690,000 $345,000 $8,074 3.50%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $660,000 $330,000 $14,544 5.06%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $645,000 $645,000 $13,571 3.37%
CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $640,000 $320,000 $11,300 2.75%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $635,000 $211,667 $6,282 4.33%
ANN ARBOR, MI (FHA|USDA|VA) 1 $635,000 $635,000 $1,402 3.12%
Lake City, FL (FHA|USDA|VA) 2 $620,000 $310,000 $5,869 3.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $615,000 $205,000 $7,253 4.54%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $610,000 $305,000 $3,903 3.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $610,000 $305,000 $3,841 3.53%
VALDOSTA, GA (FHA|USDA|VA) 2 $580,000 $290,000 $10,690 4.38%
READING, PA (FHA|USDA|VA) 4 $580,000 $145,000 $6,265 4.78%
PANAMA CITY, FL (FHA|USDA|VA) 2 $580,000 $290,000 $11,052 5.00%
GLENS FALLS, NY (FHA|USDA|VA) 3 $575,000 $191,667 $8,700 5.50%
Traverse City, MI (FHA|USDA|VA) 1 $575,000 $575,000 $1,977 2.10%
Cookeville, TN (FHA|USDA|VA) 1 $565,000 $565,000 $2,571 4.13%
BISMARCK, ND (FHA|USDA|VA) 1 $565,000 $565,000 $6,194 2.63%
Findlay, OH (FHA|USDA|VA) 2 $540,000 $270,000 $8,817 4.19%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $535,000 $178,333 $3,714 3.71%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $525,000 $525,000 $9,653 4.38%
AMARILLO, TX (FHA|USDA|VA) 2 $520,000 $260,000 $6,034 3.75%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $505,000 $505,000 $10,445 2.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $490,000 $245,000 $6,541 4.81%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $490,000 $245,000 $4,643 2.25%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $480,000 $240,000 $2,213 3.39%
HARRISONBURG, VA (FHA|USDA|VA) 2 $480,000 $240,000 $4,558 2.69%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $460,000 $230,000 $6,170 4.94%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $450,000 $225,000 $10,341 6.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $450,000 $225,000 $6,271 2.75%
FORT WAYNE, IN (FHA|USDA|VA) 2 $440,000 $220,000 $4,843 2.31%
TYLER, TX (FHA|USDA|VA) 2 $440,000 $220,000 $8,683 6.87%
FLINT, MI (FHA|USDA|VA) 1 $435,000 $435,000 $13,094 9.37%
MIDLAND, TX (FHA|USDA|VA) 1 $435,000 $435,000 $4,488 2.75%
Cadillac, MI (FHA|USDA|VA) 1 $435,000 $435,000 $7,619 9.50%
Poplar Bluff, MO (FHA|USDA|VA) 2 $430,000 $215,000 $4,062 4.44%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $420,000 $210,000 $7,565 5.19%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $415,000 $415,000 $2,335 7.38%
Cullowhee, NC (FHA|USDA|VA) 1 $415,000 $415,000 $0 4.13%
MADISON, WI (FHA|USDA|VA) 1 $415,000 $415,000 $7,502 7.50%
MORRISTOWN, TN (FHA|USDA|VA) 1 $415,000 $415,000 $3,196 2.63%
Sikeston, MO (FHA|USDA|VA) 4 $410,000 $102,500 $3,907 5.12%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $405,000 $405,000 $16,440 5.63%
Lumberton, NC (FHA|USDA|VA) 1 $385,000 $385,000 $2,230 2.78%
GAINESVILLE, GA (FHA|USDA|VA) 1 $385,000 $385,000 $7,715 4.25%
CARSON CITY, NV (FHA|USDA|VA) 1 $375,000 $375,000 $2,359 2.75%
PUEBLO, CO (FHA|USDA|VA) 1 $365,000 $365,000 $17,110 6.63%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $365,000 $365,000 $1,630 2.50%
RENO, NV (FHA|USDA|VA) 1 $365,000 $365,000 $7,051 2.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $355,000 $355,000 $0 3.75%
STOCKTON, CA (FHA|USDA|VA) 1 $355,000 $355,000 $3,872 2.05%
COLUMBIA, MO (FHA|USDA|VA) 2 $350,000 $175,000 $3,759 2.75%
Mount Vernon, OH (FHA|USDA|VA) 2 $350,000 $175,000 $7,408 3.25%
BURLINGTON, NC (FHA|USDA|VA) 2 $350,000 $175,000 $8,533 4.19%
Elko, NV (FHA|USDA|VA) 1 $345,000 $345,000 $7,483 2.25%
BOISE CITY, ID (FHA|USDA|VA) 1 $345,000 $345,000 $0 4.38%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $345,000 $345,000 $1,573 2.75%
COLUMBUS, IN (FHA|USDA|VA) 1 $345,000 $345,000 $9,000 2.38%
Okeechobee, FL (FHA|USDA|VA) 1 $335,000 $335,000 $16,793 5.62%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $330,000 $165,000 $4,485 5.25%
MEDFORD, OR (FHA|USDA|VA) 1 $325,000 $325,000 $5,308 2.75%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.63%
LOUISVILLE, KY (FHA|USDA|VA) 2 $310,000 $155,000 $8,198 5.44%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $7,003 3.99%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $305,000 $305,000 $2,210 5.50%
Georgetown, SC (FHA|USDA|VA) 1 $305,000 $305,000 $2,356 3.75%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $295,000 $295,000 $3,976 2.93%
WILMINGTON, NC (FHA|USDA|VA) 1 $295,000 $295,000 $1,942 3.00%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $295,000 $295,000 $4,664 2.75%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $295,000 $295,000 $1,424 3.20%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,269 2.75%
Oneonta, NY (FHA|USDA|VA) 1 $285,000 $285,000 $12,108 6.63%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $1,453 2.08%
KNOXVILLE, TN (FHA|USDA|VA) 2 $280,000 $140,000 $6,827 6.50%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $275,000 $275,000 $8,869 3.13%
Del Rio, TX (FHA|USDA|VA) 1 $275,000 $275,000 $3,865 2.75%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.38%
Moses Lake, WA (FHA|USDA|VA) 1 $275,000 $275,000 $1,816 3.63%
Elizabeth City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,354 2.25%
Urbana, OH (FHA|USDA|VA) 1 $265,000 $265,000 $4,532 5.63%
LYNCHBURG, VA (FHA|USDA|VA) 1 $265,000 $265,000 $1,600 4.87%
JACKSON, MS (FHA|USDA|VA) 1 $255,000 $255,000 $8,823 2.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $255,000 $255,000 $6,439 2.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $255,000 $255,000 $2,511 2.25%
Orangeburg, SC (FHA|USDA|VA) 1 $255,000 $255,000 $1,538 3.38%
BATON ROUGE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $8,645 2.25%
YUMA, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $7,416 2.75%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $4,846 4.25%
FAIRBANKS, AK (FHA|USDA|VA) 1 $235,000 $235,000 $4,424 2.75%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $235,000 $235,000 $8,422 5.63%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $235,000 $235,000 $7,837 4.75%
Montrose, CO (FHA|USDA|VA) 1 $225,000 $225,000 $5,719 4.99%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $225,000 $225,000 $1,857 3.38%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $225,000 $225,000 $4,338 4.25%
LONGVIEW, WA (FHA|USDA|VA) 1 $215,000 $215,000 $4,482 2.25%
ROCHESTER, MN (FHA|USDA|VA) 1 $215,000 $215,000 $915 3.37%
Boone, NC (FHA|USDA|VA) 1 $215,000 $215,000 $5,056 3.50%
LAFAYETTE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $6,649 2.25%
Warrensburg, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,680 2.75%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $205,000 $205,000 $3,710 2.75%
LAS CRUCES, NM (FHA|USDA|VA) 1 $205,000 $205,000 $7,087 2.25%
Chillicothe, OH (FHA|USDA|VA) 1 $195,000 $195,000 $5,438 2.75%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $195,000 $195,000 $2,541 2.75%
GAINESVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,464 6.99%
MANHATTAN, KS (FHA|USDA|VA) 1 $195,000 $195,000 $5,274 2.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $195,000 $195,000 $7,975 3.25%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $195,000 $195,000 $10,877 5.25%
DOVER, DE (FHA|USDA|VA) 1 $185,000 $185,000 $5,287 2.25%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $185,000 $185,000 $6,092 2.25%
Fergus Falls, MN (FHA|USDA|VA) 1 $185,000 $185,000 $8,638 2.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $185,000 $185,000 $5,785 3.25%
Hutchinson, MN (FHA|USDA|VA) 1 $185,000 $185,000 $1,690 2.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.25%
MONROE, MI (FHA|USDA|VA) 1 $175,000 $175,000 $5,446 3.00%
Ottumwa, IA (FHA|USDA|VA) 1 $175,000 $175,000 $6,342 2.25%
Glasgow, KY (FHA|USDA|VA) 1 $175,000 $175,000 $10,878 3.75%
DULUTH, MN-WI (FHA|USDA|VA) 1 $175,000 $175,000 $1,415 3.38%
AKRON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $7,478 4.75%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $165,000 $165,000 $1,150 2.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $165,000 $165,000 $5,732 5.75%
Clovis, NM (FHA|USDA|VA) 1 $165,000 $165,000 $4,407 3.25%
SPARTANBURG, SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.50%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $155,000 $155,000 $5,656 9.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,128 3.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $155,000 $155,000 $5,004 2.75%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,745 2.75%
Jennings, LA (FHA|USDA|VA) 1 $145,000 $145,000 $3,384 5.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,316 2.25%
MOBILE, AL (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.00%
SYRACUSE, NY (FHA|USDA|VA) 1 $125,000 $125,000 $4,736 7.49%
Washington, NC (FHA|USDA|VA) 1 $125,000 $125,000 $1,510 3.87%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
Oil City, PA (FHA|USDA|VA) 1 $115,000 $115,000 $6,817 6.99%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $105,000 $105,000 $4,955 4.75%
JACKSON, TN (FHA|USDA|VA) 1 $85,000 $85,000 $4,998 5.88%
Gloversville, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.99%
Np's top markets include Miami, New York, Washington, Tampa, and Port St. Lucie among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,282 $479,610,000 $374,111 $7,888 4.72%
    FHA 290 $88,120,000 $303,862 $13,792 4.97%
    VA 252 $74,600,000 $296,032 $7,606 3.08%
    USDA 9 $1,925,000 $213,889 $7,271 4.64%
    HELOC 1 $495,000 $495,000 n/a 3.75%

    For 2022, Np's most frequently originated type of loan was Conventional, with 1,282 originations. Their 2nd most popular type was FHA, with 290 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,024 $376,740,000 $367,910 $10,916 5.36%
    Refi 749 $243,615,000 $325,254 $6,185 3.51%
    Cash Out Refi 50 $20,030,000 $400,600 $6,046 3.21%
    Home Improvement 11 $4,365,000 $396,818 $6,797 3.45%

    For 2022, Np's most frequently cited loan purpose was Home Purchase, with 1,024 originations. The 2nd most popular reason was Refi, with 749 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,634 $573,060,000 $350,710 $9,133 4.68%
    15 Year 105 $34,065,000 $324,429 $4,621 2.82%
    20 Year 34 $12,000,000 $352,941 $4,361 3.85%
    Other 27 $7,555,000 $279,815 $7,679 3.19%
    30+ year 21 $14,305,000 $681,190 $19,706 5.93%
    10 Year 13 $3,765,000 $289,615 $3,033 2.45%

    For 2022, Np's most frequently cited loan duration was 30 Year, with 1,634 originations. The 2nd most popular length was 15 Year, with 105 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 614 $264,200,000 $430,293
    $1k-2k 373 $113,085,000 $303,177
    $<1k 259 $96,275,000 $371,718
    $2k-3k 162 $57,860,000 $357,160
    $3k-4k 160 $43,760,000 $273,500
    $4k-5k 139 $37,915,000 $272,770

    Np's average total fees were $9,133, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 614 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 412 $144,390,000 $350,461
    5-6% 394 $135,630,000 $344,239
    4-5% 355 $120,605,000 $339,732
    6-7% 204 $78,010,000 $382,402
    2.5-3% 203 $67,895,000 $334,458
    <2.5% 172 $51,550,000 $299,709
    7-8% 66 $29,010,000 $439,545
    Over 8% 28 $17,660,000 $630,714

    During 2022, Np's average interest rate for loans was 4.68%, while their most frequently originated rate bucket for loans was 3-4%, with 412 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 907 $264,865,000 $292,023 $7,963 4.36%
    $400k-600k 397 $191,175,000 $481,549 $10,004 4.65%
    $100k-200k 327 $52,255,000 $159,801 $5,629 4.53%
    $600k-1MM 138 $95,140,000 $689,420 $14,836 4.87%
    $100,000 or less 42 $3,410,000 $81,190 $4,038 5.20%
    $1MM+ 23 $37,905,000 $1,648,043 $32,404 6.25%

    2022 saw Np place emphasis on $200k-400k loans with 907 originations, totaling $264,865,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 416 $155,870,000 $374,688 $9,409 4.73%
    $150k-250k 340 $148,530,000 $436,853 $9,230 4.67%
    $50k-75k 329 $76,575,000 $232,751 $8,150 4.74%
    $75k-100k 289 $86,905,000 $300,709 $8,641 4.64%
    $50k or less 287 $64,335,000 $224,164 $6,037 3.30%
    $250k+ 172 $112,200,000 $652,326 $13,736 5.32%

    Np lent most frequently to those with incomes in the $100k-150k range, with 416 originations. The second most popular income band? $150k-250k, with 340 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 234 $81,940,000 $350,171 $7,824 4.65%
    20-30% 210 $79,640,000 $379,238 $6,950 4.29%
    50-60% 139 $47,305,000 $340,324 $14,813 4.90%
    44% 102 $36,850,000 $361,275 $9,277 4.88%
    49% 94 $31,850,000 $338,830 $9,633 5.03%
    43% 84 $26,790,000 $318,929 $8,591 4.88%
    <20% 82 $35,200,000 $429,268 $8,411 4.66%
    48% 79 $32,385,000 $409,937 $9,803 5.01%
    40% 72 $27,310,000 $379,306 $8,544 4.84%
    42% 71 $25,905,000 $364,859 $9,569 5.02%
    46% 69 $27,205,000 $394,275 $10,870 5.09%
    45% 68 $21,260,000 $312,647 $9,559 4.83%
    38% 67 $22,845,000 $340,970 $7,866 4.68%
    41% 63 $22,415,000 $355,794 $8,207 4.76%
    47% 55 $20,585,000 $374,273 $11,780 5.04%
    39% 54 $18,740,000 $347,037 $8,417 4.70%
    36% 53 $18,775,000 $354,245 $8,427 4.84%
    37% 50 $18,050,000 $361,000 $7,351 4.52%
    >60% 5 $1,825,000 $365,000 $9,728 4.18%

    Np lent most frequently to those with DTI ratios of 30-36%, with 234 originations. The next most common DTI ratio? 20-30%, with 210 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,354 $479,110,000 $353,848 $8,942 4.63%
    Not provided 240 $88,670,000 $369,458 $7,793 4.04%
    Black 184 $56,410,000 $306,576 $9,532 4.47%
    Asian 47 $17,985,000 $382,660 $8,898 4.78%
    American Indian 5 $1,495,000 $299,000 $8,172 4.28%
    Native Hawaiian or Islander 4 $1,080,000 $270,000 $4,786 3.61%

    Approval Rates

    Total approvals of all applications
    88.31%

    Np has an average approval rate.

    Pick Rate

    Approvals leading to origination
    57.42%

    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 1,834 $644,750,000 $351,554

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,834 $644,750,000 $351,554

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 70 $24,150,000 $345,000 $6,838 3.82%
    40-60% 247 $80,185,000 $324,636 $6,275 3.82%
    60-80% 734 $250,530,000 $341,322 $7,486 4.29%
    80-100% 767 $283,245,000 $369,289 $10,783 5.06%
    Over 100% 11 $5,485,000 $498,636 $21,523 5.16%
    Under 20% 5 $1,155,000 $231,000 $3,678 4.15%