Np Mortgage Rates, Fees & Info

Delray Beach, FL

LEI: 2549004Z576VEJBK3N72

Tax ID: 65-0709224

Latest/2023 | 2022 Data | 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, Orlando, Port St. Lucie, and Tampa among others. We have data for 138 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 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 7.16% 12/16/24
30 Year Conventional Refi 6.49% 12/16/24
30 Year Cash-out Refi 6.50% 12/16/24
30 Year FHA Purchase 7.53% 12/16/24
30 Year FHA Refi 6.99% 12/16/24
30 Year VA Purchase 6.25% 12/16/24
30 Year VA Refi 5.43% 12/16/24
30 Year USDA Purchase 6.81% 12/16/24
15 Year Conventional Purchase 6.15% 12/16/24
15 Year Conventional Refi 5.67% 12/16/24
15 Year Cash-out Refi 5.67% 12/16/24
15 Year VA Refi 5.78% 12/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Np Mortgage Calculator






Your Estimates

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

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

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


Originations

2,324

Origination Dollar Volume (All Markets)

$629,710,000

Awards

NP 30 Year Conventional Loans gold NP FHA Loans silver
Show all (2) awards

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) 1,132 $332,450,000 $293,684 $6,451 4.37%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 136 $37,680,000 $277,059 $8,454 4.53%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 135 $35,695,000 $264,407 $6,959 4.66%
PORT ST. LUCIE, FL (FHA|USDA|VA) 62 $17,270,000 $278,548 $6,282 4.33%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 49 $15,675,000 $319,898 $7,443 4.31%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 65 $14,735,000 $226,692 $7,587 4.55%
LUBBOCK, TX (FHA|USDA|VA) 56 $10,140,000 $181,071 $5,859 4.59%
JACKSONVILLE, FL (FHA|USDA|VA) 27 $8,775,000 $325,000 $5,876 3.78%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 33 $7,905,000 $239,545 $7,990 4.67%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 30 $7,420,000 $247,333 $4,906 4.63%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 26 $6,330,000 $243,462 $7,617 4.34%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 30 $6,300,000 $210,000 $4,917 4.35%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 21 $6,295,000 $299,762 $9,735 4.13%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 12 $6,120,000 $510,000 $14,442 4.46%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 24 $5,620,000 $234,167 $5,677 4.27%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 27 $5,545,000 $205,370 $4,374 4.14%
Outside of Metro Areas 23 $4,715,000 $205,000 $5,928 4.41%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 20 $4,590,000 $229,500 $4,935 4.28%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 18 $4,470,000 $248,333 $6,131 4.89%
RICHMOND, VA (FHA|USDA|VA) 20 $4,010,000 $200,500 $4,926 4.11%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 20 $3,970,000 $198,500 $5,955 4.54%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 12 $3,840,000 $320,000 $5,600 4.48%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 12 $3,760,000 $313,333 $4,628 4.41%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 16 $3,460,000 $216,250 $6,003 4.45%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 8 $3,160,000 $395,000 $7,714 4.67%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 12 $3,140,000 $261,667 $7,994 4.99%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 12 $2,990,000 $249,167 $5,448 4.65%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 11 $2,945,000 $267,727 $6,261 4.81%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 12 $2,700,000 $225,000 $8,205 4.40%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 16 $2,360,000 $147,500 $4,903 4.46%
MIDLAND, TX (FHA|USDA|VA) 8 $2,100,000 $262,500 $7,567 4.36%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 9 $2,015,000 $223,889 $5,651 3.94%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 12 $1,830,000 $152,500 $4,420 4.81%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $1,790,000 $447,500 $10,949 4.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,730,000 $865,000 $9,161 5.65%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 11 $1,635,000 $148,636 $7,254 4.67%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 6 $1,530,000 $255,000 $6,596 4.13%
ODESSA, TX (FHA|USDA|VA) 7 $1,445,000 $206,429 $6,056 4.77%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,445,000 $206,429 $7,084 4.46%
GREELEY, CO (FHA|USDA|VA) 5 $1,285,000 $257,000 $5,265 4.65%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,250,000 $625,000 $18,257 3.63%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $1,135,000 $378,333 $7,713 4.79%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,055,000 $211,000 $4,533 4.30%
OCALA, FL (FHA|USDA|VA) 4 $1,020,000 $255,000 $6,871 3.81%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $965,000 $321,667 $13,366 3.83%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $900,000 $450,000 $3,981 3.69%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $875,000 $291,667 $7,459 3.79%
ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $860,000 $143,333 $4,925 4.50%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $765,000 $255,000 $6,588 4.04%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $755,000 $251,667 $7,095 4.38%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $750,000 $375,000 $6,552 4.00%
FRESNO, CA (FHA|USDA|VA) 2 $730,000 $365,000 $9,824 3.87%
AKRON, OH (FHA|USDA|VA) 6 $720,000 $120,000 $4,436 5.46%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $710,000 $355,000 $2,966 4.06%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $705,000 $705,000 $15,868 4.13%
COLUMBUS, OH (FHA|USDA|VA) 4 $670,000 $167,500 $6,578 4.16%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 5 $665,000 $133,000 $3,892 4.28%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $625,000 $208,333 $6,723 4.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $615,000 $123,000 $9,608 7.03%
Sevierville, TN (FHA|USDA|VA) 3 $605,000 $201,667 $5,249 4.79%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $600,000 $300,000 $3,708 3.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $575,000 $191,667 $3,113 5.17%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $560,000 $280,000 $5,321 6.00%
SALINAS, CA (FHA|USDA|VA) 1 $555,000 $555,000 $17,410 4.38%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $550,000 $275,000 $4,437 3.38%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $550,000 $275,000 $5,038 3.56%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $545,000 $545,000 $16,708 4.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $540,000 $270,000 $11,741 4.19%
Concord, NH (FHA|USDA|VA) 2 $510,000 $255,000 $5,841 4.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $505,000 $168,333 $5,566 4.54%
PITTSBURGH, PA (FHA|USDA|VA) 3 $495,000 $165,000 $6,755 4.67%
VALLEJO, CA (FHA|USDA|VA) 2 $490,000 $245,000 $7,928 3.88%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $485,000 $485,000 $6,152 4.50%
COLUMBIA, SC (FHA|USDA|VA) 2 $470,000 $235,000 $8,523 5.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $460,000 $230,000 $8,516 4.63%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $455,000 $455,000 $4,606 4.88%
Lamesa, TX (FHA|USDA|VA) 2 $440,000 $220,000 $8,611 4.63%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $435,000 $145,000 $5,314 6.31%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $430,000 $215,000 $4,613 4.44%
VISALIA, CA (FHA|USDA|VA) 1 $425,000 $425,000 $3,843 4.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $420,000 $210,000 $9,286 5.55%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $420,000 $210,000 $11,524 3.63%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $405,000 $405,000 $3,787 5.00%
Sikeston, MO (FHA|USDA|VA) 3 $395,000 $131,667 $3,945 6.09%
STOCKTON, CA (FHA|USDA|VA) 1 $395,000 $395,000 $13,088 5.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $380,000 $190,000 $4,867 4.50%
Minden, LA (FHA|USDA|VA) 1 $375,000 $375,000 $14,716 4.13%
READING, PA (FHA|USDA|VA) 2 $370,000 $185,000 $7,078 4.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $370,000 $185,000 $7,161 4.81%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $360,000 $180,000 $3,948 4.63%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $340,000 $170,000 $7,425 4.81%
Ashtabula, OH (FHA|USDA|VA) 2 $320,000 $160,000 $4,589 5.38%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $320,000 $160,000 $6,532 3.75%
NEW BERN, NC (FHA|USDA|VA) 2 $310,000 $155,000 $5,813 4.44%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $305,000 $305,000 $10,291 4.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $305,000 $305,000 $17,187 4.50%
Bonham, TX (FHA|USDA|VA) 1 $245,000 $245,000 $11,977 3.00%
PUEBLO, CO (FHA|USDA|VA) 1 $245,000 $245,000 $7,885 4.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $245,000 $245,000 $9,260 4.88%
LAREDO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,972 4.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $225,000 $225,000 $3,626 3.38%
FORT COLLINS, CO (FHA|USDA|VA) 1 $215,000 $215,000 $6,154 4.88%
WILMINGTON, NC (FHA|USDA|VA) 1 $215,000 $215,000 $5,321 4.13%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $205,000 $205,000 $4,128 5.63%
Frankfort, KY (FHA|USDA|VA) 1 $205,000 $205,000 $8,839 4.50%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $195,000 $195,000 $2,834 3.50%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $185,000 $185,000 $9,198 4.50%
Whitewater, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,779 4.75%
Sunbury, PA (FHA|USDA|VA) 1 $185,000 $185,000 $6,863 3.99%
Chillicothe, OH (FHA|USDA|VA) 1 $175,000 $175,000 $6,487 4.25%
GAINESVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $6,778 4.00%
SUMTER, SC (FHA|USDA|VA) 1 $175,000 $175,000 $2,893 3.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $175,000 $175,000 $3,036 4.13%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $165,000 $165,000 $5,560 4.63%
LEBANON, PA (FHA|USDA|VA) 1 $165,000 $165,000 $5,443 3.50%
ANN ARBOR, MI (FHA|USDA|VA) 1 $155,000 $155,000 $8,520 4.63%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $155,000 $155,000 $9,730 4.63%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,449 4.38%
Stephenville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,937 3.88%
FLORENCE, SC (FHA|USDA|VA) 1 $145,000 $145,000 $6,000 4.13%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $145,000 $145,000 $6,274 4.63%
GOLDSBORO, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,158 3.63%
Rockport, TX (FHA|USDA|VA) 1 $145,000 $145,000 $7,251 3.25%
Huntingdon, PA (FHA|USDA|VA) 1 $145,000 $145,000 $5,785 3.38%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $145,000 $145,000 $3,515 4.63%
Woodward, OK (FHA|USDA|VA) 1 $135,000 $135,000 $6,569 4.00%
LAFAYETTE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $5,056 5.50%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $115,000 $115,000 $3,616 4.13%
Athens, TN (FHA|USDA|VA) 1 $115,000 $115,000 $5,146 4.25%
EL PASO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,734 5.13%
Brownwood, TX (FHA|USDA|VA) 1 $105,000 $105,000 $5,483 4.75%
Martin, TN (FHA|USDA|VA) 1 $105,000 $105,000 $5,722 5.13%
ABILENE, TX (FHA|USDA|VA) 1 $105,000 $105,000 $4,515 9.35%
Tupelo, MS (FHA|USDA|VA) 1 $85,000 $85,000 $6,750 5.13%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,433 3.99%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $85,000 $85,000 $2,924 5.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $75,000 $75,000 $4,647 4.63%
Sandusky, OH (FHA|USDA|VA) 1 $65,000 $65,000 $5,406 5.13%
Np's top markets include Miami, New York, Orlando, Port St. Lucie, and Tampa among others.

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

    RED CROWN
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,577 $441,245,000 $279,800 $5,567 4.57%
    FHA 564 $137,610,000 $243,989 $9,338 4.18%
    VA 174 $49,350,000 $283,621 $6,953 3.95%
    USDA 9 $1,505,000 $167,222 $5,713 4.38%

    For 2019, Np's most frequently originated type of loan was Conventional, with 1,577 originations. Their 2nd most popular type was FHA, with 564 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,669 $451,515,000 $270,530 $6,567 4.47%
    Refi 612 $165,350,000 $270,180 $6,773 4.31%
    Cash Out Refi 42 $12,590,000 $299,762 $6,271 4.59%
    Home Improvement 1 $255,000 $255,000 $3,639 4.50%

    For 2019, Np's most frequently cited loan purpose was Home Purchase, with 1,669 originations. The 2nd most popular reason was Refi, with 612 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,198 $599,390,000 $272,698 $6,655 4.45%
    15 Year 81 $19,185,000 $236,852 $5,615 3.87%
    20 Year 23 $5,815,000 $252,826 $5,832 4.15%
    Other 15 $3,935,000 $262,333 $6,759 4.31%
    10 Year 4 $570,000 $142,500 $6,072 4.22%
    30+ year 3 $815,000 $271,667 $10,413 6.19%

    For 2019, Np's most frequently cited loan duration was 30 Year, with 2,198 originations. The 2nd most popular length was 15 Year, with 81 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,414 $374,790,000 $265,057
    $2k-3k 254 $60,240,000 $237,165
    $5k+ 232 $85,620,000 $369,052
    $3k-4k 191 $48,325,000 $253,010
    $4k-5k 103 $27,885,000 $270,728
    $<1k 71 $17,235,000 $242,746

    Np's average total fees were $6,655, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,414 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,127 $290,765,000 $257,999
    3-4% 839 $238,095,000 $283,784
    5-6% 248 $64,370,000 $259,556
    6-7% 62 $23,280,000 $375,484
    7-8% 29 $7,705,000 $265,690
    Over 8% 10 $3,390,000 $339,000
    2.5-3% 9 $2,105,000 $233,889

    During 2019, Np's average interest rate for loans was 4.45%, while their most frequently originated rate bucket for loans was 4-5%, with 1,127 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,211 $345,375,000 $285,198 $7,188 4.32%
    $100k-200k 659 $100,385,000 $152,329 $5,080 4.50%
    $400k-600k 299 $138,095,000 $461,856 $7,677 4.42%
    $100,000 or less 113 $9,295,000 $82,257 $3,848 4.98%
    $600k-1MM 32 $23,100,000 $721,875 $13,304 4.97%
    $1MM+ 10 $13,460,000 $1,346,000 $13,888 5.62%

    2019 saw Np place emphasis on $200k-400k loans with 1,211 originations, totaling $345,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 635 $134,075,000 $211,142 $6,500 4.32%
    $100k-150k 508 $156,630,000 $308,327 $6,821 4.48%
    $75k-100k 398 $103,770,000 $260,729 $7,044 4.37%
    $50k or less 369 $65,195,000 $176,680 $5,380 4.46%
    $150k-250k 276 $102,670,000 $371,993 $6,940 4.43%
    $250k+ 137 $67,185,000 $490,401 $7,678 4.87%

    Np lent most frequently to those with incomes in the $50k-75k range, with 635 originations. The second most popular income band? $100k-150k, with 508 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 363 $101,335,000 $279,160 $6,094 4.38%
    20-30% 276 $69,100,000 $250,362 $5,564 4.43%
    50-60% 238 $64,270,000 $270,042 $9,583 4.15%
    49% 122 $33,430,000 $274,016 $7,095 4.49%
    42% 117 $34,005,000 $290,641 $6,734 4.39%
    44% 113 $30,165,000 $266,947 $6,148 4.47%
    43% 112 $30,960,000 $276,429 $6,456 4.50%
    45% 103 $27,385,000 $265,874 $6,616 4.49%
    41% 103 $25,665,000 $249,175 $5,641 4.49%
    38% 98 $27,140,000 $276,939 $6,305 4.42%
    46% 83 $21,755,000 $262,108 $7,105 4.41%
    48% 80 $21,890,000 $273,625 $7,049 4.51%
    39% 78 $20,650,000 $264,744 $6,432 4.47%
    47% 77 $21,605,000 $280,584 $7,388 4.38%
    40% 73 $20,295,000 $278,014 $6,132 4.60%
    <20% 63 $21,665,000 $343,889 $6,302 4.54%
    37% 61 $15,655,000 $256,639 $6,151 4.57%
    36% 60 $15,970,000 $266,167 $5,724 4.39%
    >60% 52 $12,700,000 $244,231 $5,559 5.20%

    Np lent most frequently to those with DTI ratios of 30-36%, with 363 originations. The next most common DTI ratio? 20-30%, with 276 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,814 $494,690,000 $272,707 $6,402 4.41%
    Black 340 $90,110,000 $265,029 $7,862 4.46%
    Asian 88 $24,690,000 $280,568 $5,992 4.58%
    Not provided 75 $18,105,000 $241,400 $6,837 4.49%
    American Indian 4 $1,350,000 $337,500 $6,213 4.50%
    Native Hawaiian or Islander 3 $765,000 $255,000 $5,812 4.21%

    Approval Rates

    Total approvals of all applications
    88.19%

    Np has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.23%

    Np has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,324 $629,710,000 $270,960

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 11 $1,445,000 $131,364
    Single Family (1-4 Units):Site-Built 2,313 $628,265,000 $271,623

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 33 $6,315,000 $191,364 $4,144 4.20%
    40-60% 164 $42,620,000 $259,878 $5,536 4.32%
    60-80% 761 $203,945,000 $267,996 $5,790 4.60%
    80-100% 1,336 $369,130,000 $276,295 $7,175 4.36%
    Over 100% 26 $6,880,000 $264,615 $10,695 4.02%
    Under 20% 2 $440,000 $220,000 $5,408 3.69%