Np Mortgage Rates, Fees & Info

Delray Beach, FL

LEI: 2549004Z576VEJBK3N72

Tax ID: 65-0709224

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Mortgage Data

Review & Overview

Np is a small mortgage company specializing in Refi and Home Purchase loans. Np has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Miami, New York, Washington, Orlando, and Philadelphia among others. We have data for 380 markets. (Some data included below & more in-depth data is available with an active subscription.)

Np has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Np is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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

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

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

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 7.16% 4/18/24
30 Year Conventional Refi 6.49% 4/18/24
30 Year Cash-out Refi 6.50% 4/18/24
30 Year FHA Purchase 7.53% 4/18/24
30 Year FHA Refi 6.99% 4/18/24
30 Year VA Purchase 6.25% 4/18/24
30 Year VA Refi 5.43% 4/18/24
30 Year USDA Purchase 6.81% 4/18/24
15 Year Conventional Purchase 6.15% 4/18/24
15 Year Conventional Refi 5.67% 4/18/24
15 Year Cash-out Refi 5.67% 4/18/24
15 Year VA Refi 5.78% 4/18/24
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.

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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

5,448

Origination Dollar Volume (All Markets)

$1,538,870,000
Show all (76) 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) 1,639 $513,655,000 $313,395 $6,258 3.20%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 342 $106,690,000 $311,959 $6,376 3.07%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 133 $55,275,000 $415,602 $7,634 2.78%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 165 $42,595,000 $258,152 $5,356 3.21%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 145 $34,535,000 $238,172 $6,213 2.97%
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%
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%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 66 $17,050,000 $258,333 $5,056 2.64%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 54 $16,950,000 $313,889 $5,588 2.57%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 50 $16,780,000 $335,600 $5,348 2.70%
Outside of Metro Areas 71 $16,175,000 $227,817 $4,560 2.76%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 59 $15,835,000 $268,390 $5,006 2.72%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 58 $15,650,000 $269,828 $6,483 3.09%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 53 $15,325,000 $289,151 $5,927 2.58%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 35 $14,475,000 $413,571 $6,814 2.76%
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%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 48 $11,780,000 $245,417 $5,604 2.67%
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%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 18 $9,150,000 $508,333 $6,820 2.79%
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%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 27 $8,065,000 $298,704 $5,541 2.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 35 $7,965,000 $227,571 $5,050 2.77%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 20 $7,900,000 $395,000 $7,140 2.45%
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%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 17 $5,195,000 $305,588 $5,125 2.68%
COLUMBIA, SC (FHA|USDA|VA) 20 $5,000,000 $250,000 $4,455 2.66%
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%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 18 $4,380,000 $243,333 $4,364 2.75%
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, KY (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%
SALISBURY, MD-DE (FHA|USDA|VA) 10 $3,150,000 $315,000 $5,651 2.50%
PUEBLO, CO (FHA|USDA|VA) 12 $3,150,000 $262,500 $4,163 2.99%
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%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 14 $2,940,000 $210,000 $5,511 3.29%
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%
Key West, FL (FHA|USDA|VA) 6 $2,680,000 $446,667 $7,313 3.08%
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%
Fernley, NV (FHA|USDA|VA) 7 $1,905,000 $272,143 $4,206 2.70%
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%
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%
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%
Pahrump, NV (FHA|USDA|VA) 5 $1,475,000 $295,000 $4,672 2.48%
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%
ROANOKE, VA (FHA|USDA|VA) 4 $1,320,000 $330,000 $8,067 2.91%
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%
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%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $1,300,000 $325,000 $5,296 2.38%
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%
DAYTON-KETTERING, OH (FHA|USDA|VA) 7 $1,185,000 $169,286 $4,104 3.23%
SANTA FE, NM (FHA|USDA|VA) 5 $1,185,000 $237,000 $3,128 2.88%
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%
Boston-Cambridge-Newton, MA-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%
Sevierville, TN (FHA|USDA|VA) 3 $945,000 $315,000 $3,961 3.00%
Oak Harbor, WA (FHA|USDA|VA) 2 $930,000 $465,000 $4,096 2.50%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $925,000 $308,333 $4,092 2.71%
Port Angeles, WA (FHA|USDA|VA) 4 $900,000 $225,000 $6,491 3.15%
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%
Coos Bay, OR (FHA|USDA|VA) 3 $835,000 $278,333 $5,150 2.88%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $830,000 $207,500 $5,977 2.91%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $830,000 $207,500 $4,448 2.63%
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%
Enterprise, AL (FHA|USDA|VA) 4 $810,000 $202,500 $3,577 2.63%
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%
Wilmington, OH (FHA|USDA|VA) 4 $770,000 $192,500 $5,325 2.63%
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%
Concord, NH (FHA|USDA|VA) 3 $715,000 $238,333 $5,078 2.42%
JACKSON, TN (FHA|USDA|VA) 4 $710,000 $177,500 $4,054 2.75%
Fergus Falls, MN (FHA|USDA|VA) 2 $710,000 $355,000 $5,439 2.25%
BELLINGHAM, WA (FHA|USDA|VA) 3 $695,000 $231,667 $4,473 2.63%
Shelton, WA (FHA|USDA|VA) 3 $685,000 $228,333 $4,517 2.71%
LONGVIEW, WA (FHA|USDA|VA) 3 $675,000 $225,000 $8,509 2.58%
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%
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%
Wilson, NC (FHA|USDA|VA) 4 $650,000 $162,500 $4,728 2.91%
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%
Roseburg, OR (FHA|USDA|VA) 3 $615,000 $205,000 $5,119 2.50%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 3 $605,000 $201,667 $4,015 2.88%
Seneca, SC (FHA|USDA|VA) 2 $600,000 $300,000 $8,070 2.50%
Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $595,000 $198,333 $3,121 2.58%
LANCASTER, PA (FHA|USDA|VA) 2 $570,000 $285,000 $5,718 2.75%
St. Marys, GA (FHA|USDA|VA) 3 $565,000 $188,333 $4,761 2.92%
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%
Aberdeen, WA (FHA|USDA|VA) 3 $515,000 $171,667 $6,096 3.50%
PEORIA, IL (FHA|USDA|VA) 2 $510,000 $255,000 $5,111 2.75%
Lebanon, NH-VT (FHA|USDA|VA) 2 $500,000 $250,000 $6,620 3.00%
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%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $500,000 $250,000 $5,284 2.50%
Red Bluff, CA (FHA|USDA|VA) 2 $500,000 $250,000 $6,380 2.25%
CaƱon City, CO (FHA|USDA|VA) 3 $495,000 $165,000 $3,664 2.54%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $485,000 $161,667 $6,462 3.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $480,000 $240,000 $4,911 2.56%
MEDFORD, OR (FHA|USDA|VA) 2 $480,000 $240,000 $3,418 2.75%
VALDOSTA, GA (FHA|USDA|VA) 2 $470,000 $235,000 $7,401 2.88%
ANN ARBOR, MI (FHA|USDA|VA) 2 $470,000 $235,000 $3,747 2.81%
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%
Fallon, NV (FHA|USDA|VA) 2 $440,000 $220,000 $5,575 2.50%
MORRISTOWN, TN (FHA|USDA|VA) 2 $440,000 $220,000 $4,568 2.56%
Somerset, KY (FHA|USDA|VA) 2 $430,000 $215,000 $8,121 3.31%
Sanford, NC (FHA|USDA|VA) 2 $430,000 $215,000 $7,858 3.81%
DECATUR, AL (FHA|USDA|VA) 2 $430,000 $215,000 $5,454 2.50%
GAINESVILLE, FL (FHA|USDA|VA) 2 $420,000 $210,000 $5,017 2.50%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $420,000 $210,000 $4,102 2.50%
Cullman, AL (FHA|USDA|VA) 2 $420,000 $210,000 $4,497 2.50%
Astoria, OR (FHA|USDA|VA) 1 $415,000 $415,000 $4,987 2.75%
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%
THE VILLAGES, FL (FHA|USDA|VA) 2 $410,000 $205,000 $2,930 3.06%
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%
Summerville, GA (FHA|USDA|VA) 1 $395,000 $395,000 $5,819 3.25%
Columbus, MS (FHA|USDA|VA) 2 $390,000 $195,000 $3,200 2.69%
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%
Willmar, MN (FHA|USDA|VA) 1 $375,000 $375,000 $6,884 2.25%
ODESSA, TX (FHA|USDA|VA) 2 $370,000 $185,000 $5,052 3.19%
GOLDSBORO, NC (FHA|USDA|VA) 2 $370,000 $185,000 $3,367 2.88%
TYLER, TX (FHA|USDA|VA) 2 $370,000 $185,000 $6,356 3.38%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $370,000 $185,000 $3,061 2.94%
Alamogordo, NM (FHA|USDA|VA) 2 $360,000 $180,000 $5,577 2.50%
Zanesville, OH (FHA|USDA|VA) 2 $360,000 $180,000 $3,074 2.75%
Muskogee, OK (FHA|USDA|VA) 2 $360,000 $180,000 $3,621 3.06%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $355,000 $118,333 $4,460 3.46%
Chillicothe, OH (FHA|USDA|VA) 2 $350,000 $175,000 $2,956 2.50%
Lumberton, NC (FHA|USDA|VA) 1 $345,000 $345,000 $2,760 2.75%
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%
Eagle Pass, TX (FHA|USDA|VA) 2 $340,000 $170,000 $7,296 2.81%
FARMINGTON, NM (FHA|USDA|VA) 2 $340,000 $170,000 $4,908 2.81%
READING, PA (FHA|USDA|VA) 1 $335,000 $335,000 $5,497 3.00%
Lock Haven, PA (FHA|USDA|VA) 1 $335,000 $335,000 $12,577 2.50%
Gaffney, SC (FHA|USDA|VA) 2 $330,000 $165,000 $3,782 2.81%
SUMTER, SC (FHA|USDA|VA) 2 $330,000 $165,000 $2,845 2.75%
DULUTH, MN-WI (FHA|USDA|VA) 2 $330,000 $165,000 $3,824 3.06%
DALTON, GA (FHA|USDA|VA) 1 $325,000 $325,000 $6,737 2.50%
Garden City, KS (FHA|USDA|VA) 2 $320,000 $160,000 $4,524 2.75%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $320,000 $160,000 $7,919 4.25%
LYNCHBURG, VA (FHA|USDA|VA) 2 $320,000 $160,000 $5,313 3.31%
AMES, IA (FHA|USDA|VA) 2 $320,000 $160,000 $4,095 2.50%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $320,000 $160,000 $3,459 3.00%
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%
Greenwood, SC (FHA|USDA|VA) 1 $305,000 $305,000 $4,653 2.75%
Forest City, NC (FHA|USDA|VA) 2 $300,000 $150,000 $3,960 3.25%
Lake City, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,633 3.13%
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%
Mason City, IA (FHA|USDA|VA) 1 $285,000 $285,000 $2,754 2.75%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $275,000 $275,000 $7,775 2.75%
Cookeville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $6,248 2.25%
La Grande, OR (FHA|USDA|VA) 1 $275,000 $275,000 $3,127 2.25%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $275,000 $275,000 $6,656 2.25%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $275,000 $275,000 $6,568 2.25%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $275,000 $275,000 $4,737 2.75%
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%
SAN ANGELO, TX (FHA|USDA|VA) 1 $265,000 $265,000 $4,371 2.25%
LAREDO, TX (FHA|USDA|VA) 1 $265,000 $265,000 $1,536 2.75%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $260,000 $130,000 $3,187 3.81%
Roanoke Rapids, NC (FHA|USDA|VA) 2 $260,000 $130,000 $2,965 2.75%
Durango, CO (FHA|USDA|VA) 1 $255,000 $255,000 $2,226 2.75%
GREENVILLE, NC (FHA|USDA|VA) 1 $255,000 $255,000 $5,227 2.25%
Clewiston, FL (FHA|USDA|VA) 1 $255,000 $255,000 $9,111 3.13%
Shelby, NC (FHA|USDA|VA) 1 $245,000 $245,000 $4,787 2.88%
Alice, TX (FHA|USDA|VA) 1 $245,000 $245,000 $6,542 2.25%
Show Low, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $3,642 2.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $245,000 $245,000 $2,385 2.25%
Wooster, OH (FHA|USDA|VA) 1 $235,000 $235,000 $4,770 3.00%
Hays, KS (FHA|USDA|VA) 1 $235,000 $235,000 $7,117 2.25%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $235,000 $235,000 $8,805 3.63%
Big Stone Gap, VA (FHA|USDA|VA) 1 $235,000 $235,000 $4,616 2.25%
Sturgis, MI (FHA|USDA|VA) 1 $235,000 $235,000 $3,864 2.25%
Georgetown, SC (FHA|USDA|VA) 1 $235,000 $235,000 $2,559 2.88%
Ruston, LA (FHA|USDA|VA) 1 $235,000 $235,000 $5,006 2.75%
MADISON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.13%
Somerset, PA (FHA|USDA|VA) 1 $235,000 $235,000 $4,682 2.63%
Moses Lake, WA (FHA|USDA|VA) 1 $225,000 $225,000 $5,870 2.25%
CORVALLIS, OR (FHA|USDA|VA) 1 $225,000 $225,000 $4,916 2.25%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $225,000 $225,000 $3,527 2.75%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $4,274 2.63%
Cambridge, MD (FHA|USDA|VA) 1 $225,000 $225,000 $2,350 2.75%
STAUNTON, VA (FHA|USDA|VA) 1 $215,000 $215,000 $2,896 2.75%
Big Rapids, MI (FHA|USDA|VA) 1 $215,000 $215,000 $6,434 2.25%
Susanville, CA (FHA|USDA|VA) 1 $215,000 $215,000 $3,693 2.75%
GREEN BAY, WI (FHA|USDA|VA) 1 $215,000 $215,000 $3,757 2.25%
Brownsville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $5,110 2.75%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $215,000 $215,000 $2,447 3.25%
Elizabeth City, NC (FHA|USDA|VA) 1 $205,000 $205,000 $6,253 2.25%
Oxford, MS (FHA|USDA|VA) 1 $205,000 $205,000 $6,290 2.25%
Hobbs, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,735 2.25%
Fort Polk South, LA (FHA|USDA|VA) 1 $205,000 $205,000 $2,553 2.75%
FOND DU LAC, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,505 3.13%
Easton, MD (FHA|USDA|VA) 1 $205,000 $205,000 $3,440 3.13%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $6,104 2.75%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $7,135 2.25%
Berlin, NH (FHA|USDA|VA) 1 $205,000 $205,000 $5,491 2.25%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $205,000 $205,000 $2,345 2.75%
Auburn, IN (FHA|USDA|VA) 1 $205,000 $205,000 $1,675 2.75%
Brevard, NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,654 3.38%
Glenwood Springs, CO (FHA|USDA|VA) 1 $195,000 $195,000 $4,919 2.25%
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%
Prineville, OR (FHA|USDA|VA) 1 $195,000 $195,000 $3,467 2.75%
YUMA, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $4,160 2.50%
Salem, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,712 2.75%
MANSFIELD, OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,081 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%
Klamath Falls, OR (FHA|USDA|VA) 1 $185,000 $185,000 $3,060 3.13%
Quincy, IL-MO (FHA|USDA|VA) 1 $185,000 $185,000 $3,294 3.25%
Durant, OK (FHA|USDA|VA) 1 $185,000 $185,000 $2,773 2.75%
Morehead City, NC (FHA|USDA|VA) 1 $185,000 $185,000 $4,500 2.75%
Pullman, WA (FHA|USDA|VA) 1 $185,000 $185,000 $2,519 3.13%
Beeville, TX (FHA|USDA|VA) 1 $185,000 $185,000 $7,072 3.50%
MONROE, MI (FHA|USDA|VA) 1 $185,000 $185,000 $4,389 2.75%
Tifton, GA (FHA|USDA|VA) 1 $175,000 $175,000 $6,501 2.75%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $175,000 $175,000 $6,059 3.88%
Urbana, OH (FHA|USDA|VA) 1 $175,000 $175,000 $4,465 2.75%
LAFAYETTE, LA (FHA|USDA|VA) 1 $175,000 $175,000 $9,197 2.63%
Stillwater, OK (FHA|USDA|VA) 1 $175,000 $175,000 $6,948 2.25%
GADSDEN, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,342 2.75%
APPLETON, WI (FHA|USDA|VA) 1 $175,000 $175,000 $3,854 3.50%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $5,722 2.25%
Elko, NV (FHA|USDA|VA) 1 $175,000 $175,000 $6,828 2.75%
Portales, NM (FHA|USDA|VA) 1 $175,000 $175,000 $4,684 2.25%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $175,000 $175,000 $6,510 3.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $175,000 $175,000 $1,694 2.75%
Miami, OK (FHA|USDA|VA) 1 $165,000 $165,000 $4,276 2.75%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $165,000 $165,000 $6,873 2.63%
FLORENCE, SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,350 2.75%
Rochelle, IL (FHA|USDA|VA) 1 $165,000 $165,000 $4,898 2.75%
RACINE, WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,741 2.25%
Glasgow, KY (FHA|USDA|VA) 1 $165,000 $165,000 $4,126 3.13%
HATTIESBURG, MS (FHA|USDA|VA) 1 $165,000 $165,000 $5,320 2.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $165,000 $165,000 $4,431 2.25%
AKRON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $4,578 3.50%
TOPEKA, KS (FHA|USDA|VA) 1 $165,000 $165,000 $4,453 3.00%
Peru, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,749 2.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,478 2.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $165,000 $165,000 $5,045 2.75%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,906 2.75%
Kendallville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $4,699 3.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,748 3.13%
Wapakoneta, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,865 2.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,722 2.75%
LAWRENCE, KS (FHA|USDA|VA) 1 $165,000 $165,000 $3,201 3.25%
New Castle, IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,220 2.75%
Alexander City, AL (FHA|USDA|VA) 1 $165,000 $165,000 $1,861 2.75%
Ozark, AL (FHA|USDA|VA) 1 $155,000 $155,000 $3,939 2.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,776 2.75%
Sidney, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,171 2.75%
FARGO, ND-MN (FHA|USDA|VA) 1 $155,000 $155,000 $3,831 2.88%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $155,000 $155,000 $4,073 2.75%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $3,480 2.75%
Effingham, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,655 3.25%
Fairfield, IA (FHA|USDA|VA) 1 $155,000 $155,000 $3,883 2.25%
IOWA CITY, IA (FHA|USDA|VA) 1 $155,000 $155,000 $2,305 2.75%
Huntingdon, PA (FHA|USDA|VA) 1 $155,000 $155,000 $6,013 3.13%
Tahlequah, OK (FHA|USDA|VA) 1 $155,000 $155,000 $4,914 3.25%
FLINT, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,728 2.75%
Scottsboro, AL (FHA|USDA|VA) 1 $145,000 $145,000 $1,479 2.75%
DANVILLE, IL (FHA|USDA|VA) 1 $145,000 $145,000 $5,654 4.50%
Cambridge, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,038 3.00%
WACO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,839 2.88%
Okeechobee, FL (FHA|USDA|VA) 1 $125,000 $125,000 $5,027 3.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,516 4.13%
Union, SC (FHA|USDA|VA) 1 $75,000 $75,000 $1,904 3.25%
Np's top markets include Miami, New York, Washington, Orlando, and Philadelphia among others.

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

    Great Basin Federal Credit Union
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    HERITAGE COMMUNITY CREDIT UNION
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    METROPLEX MORTGAGE SERVICES, INC.
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2020, Np's most frequently originated type of loan was Conventional, with 2,675 originations. Their 2nd most popular type was VA, with 2,064 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2020, Np's most frequently cited loan purpose was Refi, with 3,763 originations. The 2nd most popular reason was 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 2020, Np's most frequently cited loan duration was 30 Year, with 4,945 originations. The 2nd most popular length was 15 Year, with 244 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,893 $816,735,000 $282,314
    $2k-3k 706 $171,660,000 $243,144
    $3k-4k 584 $150,750,000 $258,134
    $5k+ 507 $193,365,000 $381,391
    $4k-5k 452 $125,670,000 $278,031
    $<1k 281 $73,695,000 $262,260

    Np's average total fees were $5,777, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.98%, while their most frequently originated rate bucket for loans was 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 or Islander 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 applications
    92.52%

    Np has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.26%

    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%