Np Mortgage Rates, Fees & Info
Delray Beach, FLLEI: 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, Colorado Springs, Washington, and Tampa among others. We have data for 413 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% | 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. | ||
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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
6,255Origination Dollar Volume (All Markets)
$1,906,795,000Awards
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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) | 1,374 | $473,610,000 | $344,694 | $6,941 | 3.19% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 303 | $111,525,000 | $368,069 | $8,469 | 3.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 311 | $109,395,000 | $351,752 | $6,011 | 2.98% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 188 | $70,410,000 | $374,521 | $6,482 | 2.60% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 124 | $40,590,000 | $327,339 | $6,926 | 3.06% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 98 | $35,870,000 | $366,020 | $5,018 | 2.73% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 146 | $35,700,000 | $244,521 | $7,197 | 3.01% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 123 | $34,005,000 | $276,463 | $6,085 | 3.09% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 125 | $33,575,000 | $268,600 | $5,582 | 2.76% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 109 | $31,985,000 | $293,440 | $6,659 | 3.35% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 81 | $29,415,000 | $363,148 | $5,204 | 2.44% |
| Outside of Metro Areas | 113 | $28,455,000 | $251,814 | $4,727 | 2.72% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 53 | $27,445,000 | $517,830 | $7,428 | 2.76% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 101 | $26,495,000 | $262,327 | $4,568 | 2.41% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 88 | $23,950,000 | $272,159 | $5,382 | 2.59% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 85 | $23,945,000 | $281,706 | $5,473 | 2.86% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 73 | $19,525,000 | $267,466 | $4,785 | 2.42% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 71 | $18,945,000 | $266,831 | $5,184 | 2.35% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 61 | $18,645,000 | $305,656 | $5,590 | 2.40% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 65 | $18,515,000 | $284,846 | $5,208 | 2.84% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 50 | $17,520,000 | $350,400 | $6,645 | 3.29% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 65 | $16,295,000 | $250,692 | $4,382 | 3.09% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 60 | $15,510,000 | $258,500 | $5,523 | 2.44% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 55 | $15,235,000 | $277,000 | $5,943 | 2.66% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 49 | $15,215,000 | $310,510 | $5,569 | 2.58% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 52 | $14,920,000 | $286,923 | $5,261 | 2.53% |
| BOISE CITY, ID (FHA|USDA|VA) | 41 | $14,545,000 | $354,756 | $7,372 | 2.87% |
| PUEBLO, CO (FHA|USDA|VA) | 51 | $12,845,000 | $251,863 | $4,736 | 3.06% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 28 | $12,300,000 | $439,286 | $5,544 | 2.45% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 41 | $12,065,000 | $294,268 | $5,944 | 2.39% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 45 | $11,735,000 | $260,778 | $4,567 | 2.44% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 27 | $11,535,000 | $427,222 | $6,708 | 3.21% |
| RICHMOND, VA (FHA|USDA|VA) | 44 | $11,490,000 | $261,136 | $5,009 | 2.58% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 35 | $9,415,000 | $269,000 | $3,807 | 2.41% |
| ASHEVILLE, NC (FHA|USDA|VA) | 35 | $8,955,000 | $255,857 | $4,346 | 2.92% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 32 | $8,250,000 | $257,813 | $4,768 | 2.62% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 32 | $8,070,000 | $252,188 | $4,938 | 2.42% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 18 | $7,800,000 | $433,333 | $5,851 | 2.56% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 31 | $7,755,000 | $250,161 | $4,768 | 2.34% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 22 | $7,660,000 | $348,182 | $6,759 | 2.51% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 29 | $7,585,000 | $261,552 | $5,167 | 2.38% |
| COLUMBIA, SC (FHA|USDA|VA) | 28 | $7,460,000 | $266,429 | $5,059 | 2.42% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 31 | $7,325,000 | $236,290 | $4,954 | 2.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 23 | $7,215,000 | $313,696 | $4,590 | 2.36% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 21 | $6,985,000 | $332,619 | $6,287 | 3.19% |
| TUCSON, AZ (FHA|USDA|VA) | 25 | $6,135,000 | $245,400 | $4,291 | 2.32% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 22 | $6,070,000 | $275,909 | $4,355 | 2.39% |
| GREELEY, CO (FHA|USDA|VA) | 19 | $5,965,000 | $313,947 | $5,436 | 2.76% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 24 | $5,860,000 | $244,167 | $6,934 | 3.09% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 25 | $5,785,000 | $231,400 | $4,872 | 2.66% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 21 | $5,715,000 | $272,143 | $5,215 | 2.71% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 25 | $5,565,000 | $222,600 | $6,479 | 3.38% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 22 | $5,360,000 | $243,636 | $5,343 | 2.41% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 19 | $5,195,000 | $273,421 | $5,602 | 3.29% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 19 | $4,885,000 | $257,105 | $6,123 | 2.78% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 21 | $4,885,000 | $232,619 | $4,814 | 2.79% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 19 | $4,875,000 | $256,579 | $4,702 | 2.82% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 18 | $4,850,000 | $269,444 | $5,989 | 2.58% |
| SPARTANBURG, SC (FHA|USDA|VA) | 24 | $4,760,000 | $198,333 | $5,954 | 2.97% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 10 | $4,510,000 | $451,000 | $8,396 | 2.64% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 16 | $4,430,000 | $276,875 | $4,920 | 2.88% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 18 | $4,370,000 | $242,778 | $4,315 | 2.34% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 18 | $4,280,000 | $237,778 | $5,566 | 2.66% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 16 | $4,270,000 | $266,875 | $3,404 | 2.40% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 21 | $4,265,000 | $203,095 | $3,896 | 2.57% |
| SAVANNAH, GA (FHA|USDA|VA) | 16 | $4,250,000 | $265,625 | $5,235 | 2.79% |
| WILMINGTON, NC (FHA|USDA|VA) | 8 | $4,240,000 | $530,000 | $8,835 | 2.80% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 17 | $4,205,000 | $247,353 | $6,037 | 3.46% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 20 | $4,190,000 | $209,500 | $3,991 | 2.34% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 14 | $4,160,000 | $297,143 | $4,326 | 2.39% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 13 | $4,035,000 | $310,385 | $5,114 | 2.33% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 13 | $3,965,000 | $305,000 | $7,444 | 2.57% |
| OCALA, FL (FHA|USDA|VA) | 20 | $3,930,000 | $196,500 | $5,726 | 3.38% |
| EL PASO, TX (FHA|USDA|VA) | 16 | $3,820,000 | $238,750 | $5,117 | 2.39% |
| VALLEJO, CA (FHA|USDA|VA) | 10 | $3,810,000 | $381,000 | $6,179 | 2.37% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 10 | $3,780,000 | $378,000 | $5,931 | 2.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 15 | $3,775,000 | $251,667 | $6,859 | 2.67% |
| COLUMBUS, OH (FHA|USDA|VA) | 15 | $3,775,000 | $251,667 | $6,393 | 2.56% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 14 | $3,690,000 | $263,571 | $5,810 | 2.62% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 13 | $3,505,000 | $269,615 | $5,313 | 2.45% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $3,450,000 | $246,429 | $5,718 | 2.62% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 13 | $3,405,000 | $261,923 | $7,020 | 3.02% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 13 | $3,385,000 | $260,385 | $3,984 | 2.83% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 12 | $3,330,000 | $277,500 | $7,937 | 2.75% |
| TULSA, OK (FHA|USDA|VA) | 10 | $3,140,000 | $314,000 | $5,966 | 2.54% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 13 | $3,125,000 | $240,385 | $4,401 | 2.44% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 12 | $3,090,000 | $257,500 | $7,314 | 3.20% |
| RENO, NV (FHA|USDA|VA) | 10 | $3,040,000 | $304,000 | $4,704 | 2.30% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 12 | $3,000,000 | $250,000 | $5,926 | 3.09% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 13 | $2,985,000 | $229,615 | $5,360 | 2.52% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $2,870,000 | $239,167 | $4,192 | 2.35% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 11 | $2,855,000 | $259,545 | $4,051 | 2.36% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 9 | $2,785,000 | $309,444 | $4,793 | 2.43% |
| Hailey, ID (FHA|USDA|VA) | 2 | $2,640,000 | $1,320,000 | $29,316 | 4.13% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $2,640,000 | $440,000 | $8,717 | 3.12% |
| FRESNO, CA (FHA|USDA|VA) | 10 | $2,610,000 | $261,000 | $5,447 | 2.52% |
| LOUISVILLE, KY (FHA|USDA|VA) | 12 | $2,570,000 | $214,167 | $4,740 | 2.68% |
| KNOXVILLE, TN (FHA|USDA|VA) | 10 | $2,530,000 | $253,000 | $3,214 | 2.35% |
| Clewiston, FL (FHA|USDA|VA) | 10 | $2,450,000 | $245,000 | $8,523 | 3.40% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 9 | $2,445,000 | $271,667 | $4,018 | 2.83% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 7 | $2,385,000 | $340,714 | $4,087 | 2.54% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 9 | $2,365,000 | $262,778 | $4,494 | 2.75% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $2,350,000 | $391,667 | $7,215 | 2.54% |
| GAINESVILLE, GA (FHA|USDA|VA) | 7 | $2,315,000 | $330,714 | $4,629 | 2.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 9 | $2,215,000 | $246,111 | $4,431 | 2.37% |
| FORT COLLINS, CO (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $4,989 | 2.60% |
| SALEM, OR (FHA|USDA|VA) | 7 | $2,205,000 | $315,000 | $4,769 | 2.32% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 10 | $2,180,000 | $218,000 | $6,297 | 2.55% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 7 | $2,145,000 | $306,429 | $5,174 | 2.84% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 10 | $2,140,000 | $214,000 | $4,020 | 2.37% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 9 | $2,025,000 | $225,000 | $4,532 | 2.44% |
| PANAMA CITY, FL (FHA|USDA|VA) | 7 | $2,015,000 | $287,857 | $7,184 | 3.16% |
| Danville, VA (FHA|USDA|VA) | 11 | $1,985,000 | $180,455 | $4,394 | 2.92% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $6,208 | 2.80% |
| DOVER, DE (FHA|USDA|VA) | 6 | $1,950,000 | $325,000 | $8,154 | 2.52% |
| MEDFORD, OR (FHA|USDA|VA) | 8 | $1,930,000 | $241,250 | $5,073 | 2.28% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 6 | $1,890,000 | $315,000 | $4,144 | 2.27% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $5,026 | 2.52% |
| REDDING, CA (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $4,250 | 2.37% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $8,515 | 3.08% |
| ANCHORAGE, AK (FHA|USDA|VA) | 7 | $1,775,000 | $253,571 | $5,845 | 2.29% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 7 | $1,725,000 | $246,429 | $4,716 | 2.34% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,720,000 | $430,000 | $7,016 | 2.81% |
| HINESVILLE, GA (FHA|USDA|VA) | 7 | $1,715,000 | $245,000 | $5,262 | 2.52% |
| LANCASTER, PA (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $7,576 | 2.69% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $1,690,000 | $281,667 | $3,880 | 2.37% |
| READING, PA (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $6,191 | 3.30% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $4,530 | 2.70% |
| LAWTON, OK (FHA|USDA|VA) | 7 | $1,615,000 | $230,714 | $5,113 | 2.38% |
| Cañon City, CO (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $6,709 | 3.02% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,610,000 | $805,000 | $4,424 | 3.56% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 8 | $1,600,000 | $200,000 | $3,332 | 2.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $5,299 | 2.28% |
| Oak Harbor, WA (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $5,132 | 2.33% |
| LONGVIEW, WA (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $4,827 | 2.52% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $3,475 | 2.77% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 7 | $1,435,000 | $205,000 | $5,860 | 2.96% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $5,073 | 2.29% |
| GOLDSBORO, NC (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $6,758 | 2.38% |
| Wilson, NC (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $5,549 | 2.42% |
| ROANOKE, VA (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $6,670 | 2.88% |
| Key West, FL (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $6,358 | 2.65% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $4,842 | 2.28% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $4,741 | 2.48% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $4,902 | 2.46% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $4,521 | 2.55% |
| Edwards, CO (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $10,425 | 3.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $4,752 | 2.28% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $4,299 | 3.17% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $4,053 | 2.47% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $4,862 | 2.25% |
| MOBILE, AL (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $5,340 | 2.38% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $6,165 | 2.31% |
| YUMA, AZ (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $6,192 | 2.38% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $5,791 | 2.38% |
| Glenwood Springs, CO (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $3,467 | 2.25% |
| MANHATTAN, KS (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $4,634 | 2.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $4,326 | 2.55% |
| PEORIA, IL (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $4,878 | 2.31% |
| Pahrump, NV (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $4,704 | 2.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $4,605 | 2.31% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $3,784 | 3.56% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $5,652 | 2.59% |
| Outside of Metro Areas | 3 | $945,000 | $315,000 | $3,255 | 2.67% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $6,637 | 2.79% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $5,046 | 2.63% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,371 | 2.29% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $5,320 | 3.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $11,146 | 3.12% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $6,268 | 2.46% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $5,782 | 2.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $2,214 | 2.25% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,071 | 2.33% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $2,972 | 2.42% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $3,253 | 2.81% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $3,489 | 2.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $8,760 | 2.71% |
| YAKIMA, WA (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $4,546 | 2.28% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $3,921 | 2.62% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,568 | 2.29% |
| CHICO, CA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,119 | 2.79% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,681 | 2.50% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,005 | 2.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $4,038 | 2.56% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,228 | 2.29% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $3,935 | 2.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,141 | 2.75% |
| ABILENE, TX (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,053 | 2.42% |
| LEBANON, PA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $6,530 | 2.58% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $4,446 | 2.31% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $6,361 | 2.33% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,828 | 2.29% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,793 | 2.29% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,815 | 2.62% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,308 | 2.25% |
| LAREDO, TX (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,646 | 2.42% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,022 | 2.79% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $7,450 | 2.54% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,996 | 2.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,035 | 2.50% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,999 | 2.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,314 | 2.42% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,386 | 2.38% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,960 | 2.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,852 | 2.79% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $5,906 | 2.58% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,272 | 2.46% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,919 | 2.25% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,880 | 2.58% |
| DUBUQUE, IA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $4,243 | 2.31% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $8,789 | 2.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $9,398 | 2.56% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,049 | 2.44% |
| Aberdeen, WA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,691 | 2.54% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,496 | 2.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,789 | 2.46% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,555 | 2.31% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,683 | 2.63% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,185 | 3.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,632 | 2.31% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,516 | 2.25% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,652 | 2.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,812 | 2.56% |
| Shelton, WA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,191 | 2.75% |
| FLINT, MI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,364 | 2.69% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,802 | 2.62% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,488 | 2.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,522 | 2.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,994 | 3.06% |
| WACO, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,455 | 2.50% |
| Forest City, NC (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $3,741 | 3.04% |
| Bemidji, MN (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,192 | 2.31% |
| Centralia, WA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $7,077 | 2.31% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,192 | 2.50% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $3,281 | 2.71% |
| Easton, MD (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,919 | 2.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,585 | 2.25% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,962 | 2.25% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,808 | 2.25% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,860 | 3.62% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,554 | 2.25% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,617 | 2.25% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,418 | 2.56% |
| Roswell, NM (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,586 | 2.25% |
| Albertville, AL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,987 | 2.31% |
| Laurinburg, NC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,692 | 2.81% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,060 | 2.25% |
| IOWA CITY, IA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,483 | 2.50% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,409 | 2.69% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,869 | 3.06% |
| Safford, AZ (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,129 | 2.88% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,019 | 2.25% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,586 | 2.50% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,231 | 2.31% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,766 | 2.38% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,858 | 2.63% |
| Gaffney, SC (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $5,241 | 2.54% |
| Meridian, MS (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $14,738 | 2.75% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,245 | 2.50% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,485 | 2.31% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,005 | 2.50% |
| Clovis, NM (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,113 | 2.31% |
| Seneca, SC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,728 | 3.19% |
| Selma, AL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,574 | 2.38% |
| Gloversville, NY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,305 | 3.25% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,155 | 2.25% |
| Newport, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,616 | 2.25% |
| Campbellsville, KY (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,689 | 2.25% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,273 | 2.25% |
| MERCED, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,461 | 2.69% |
| MONROE, LA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,500 | 2.31% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,647 | 2.38% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,273 | 2.50% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,478 | 2.25% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,486 | 2.75% |
| Boone, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,849 | 3.25% |
| Cambridge, OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,368 | 2.50% |
| Mountain Home, ID (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,864 | 2.81% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,166 | 2.50% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,468 | 2.38% |
| Fallon, NV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,244 | 2.25% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,681 | 2.38% |
| GLENS FALLS, NY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,474 | 3.44% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,017 | 2.38% |
| TYLER, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,868 | 2.63% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,630 | 2.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,277 | 2.25% |
| Ozark, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,465 | 2.25% |
| Bardstown, KY (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,927 | 3.06% |
| Enterprise, AL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,670 | 2.25% |
| AMES, IA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,401 | 2.25% |
| Prineville, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,087 | 2.25% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,753 | 2.25% |
| Willmar, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,092 | 2.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,834 | 2.25% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $16,251 | 2.88% |
| Columbus, MS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,039 | 2.38% |
| Moberly, MO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,950 | 4.99% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,471 | 2.38% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,746 | 2.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,845 | 2.38% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,034 | 2.25% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,349 | 3.25% |
| Concord, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,670 | 2.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,502 | 2.31% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,647 | 3.00% |
| Keene, NH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,096 | 3.25% |
| Fremont, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,000 | 2.38% |
| Jasper, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,930 | 2.38% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,357 | 2.38% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,260 | 3.25% |
| Brevard, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,596 | 3.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,836 | 3.31% |
| Dyersburg, TN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,225 | 2.75% |
| London, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,240 | 2.25% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,851 | 2.25% |
| BEND, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,402 | 2.25% |
| Othello, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,851 | 2.38% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,834 | 2.25% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,985 | 2.25% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,456 | 2.25% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,193 | 2.25% |
| Henderson, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,106 | 2.63% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,747 | 2.25% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,119 | 2.25% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,003 | 2.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,865 | 2.25% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,995 | 2.25% |
| Union City, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,684 | 2.25% |
| Minot, ND (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,625 | 2.25% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,141 | 2.25% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,172 | 2.25% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,347 | 2.25% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,250 | 2.25% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,602 | 3.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,706 | 2.25% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,582 | 3.00% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,830 | 2.75% |
| Pullman, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,012 | 2.38% |
| Meadville, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,573 | 2.25% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,251 | 3.37% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,851 | 2.25% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,642 | 2.25% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,978 | 2.25% |
| Athens, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,969 | 3.50% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,592 | 3.50% |
| Eagle Pass, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,906 | 2.38% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,418 | 2.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,485 | 3.13% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,907 | 2.25% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,698 | 3.63% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,037 | 3.00% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,964 | 3.38% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,515 | 2.25% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,162 | 2.25% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,826 | 3.50% |
| DuBois, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,918 | 2.38% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,275 | 2.38% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,211 | 2.50% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,461 | 4.38% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,987 | 2.25% |
| AKRON, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,717 | 2.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,397 | 3.00% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,067 | 2.25% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,505 | 2.25% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,146 | 2.25% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,806 | 2.25% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,615 | 2.25% |
| Torrington, CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,663 | 2.88% |
| DALTON, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,736 | 2.50% |
| Durant, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,496 | 2.25% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,297 | 2.38% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,435 | 2.25% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,335 | 3.25% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,551 | 2.75% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,793 | 2.25% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,048 | 2.25% |
| Minden, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,903 | 2.75% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,273 | 2.38% |
| Spencer, IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,319 | 2.75% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,165 | 2.25% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,240 | 2.25% |
| Palatka, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,513 | 2.25% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,760 | 2.99% |
| Brookings, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,908 | 3.38% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,161 | 2.25% |
| MADERA, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,248 | 2.75% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,328 | 2.25% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,080 | 2.38% |
| ROME, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,441 | 2.50% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,643 | 2.50% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,518 | 3.75% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,958 | 2.25% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,445 | 2.75% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,094 | 3.25% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,411 | 2.25% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,788 | 3.63% |
| Danville, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,011 | 2.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,748 | 2.38% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,917 | 2.25% |
| Pella, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,996 | 2.25% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,618 | 2.99% |
| Winona, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,101 | 2.38% |
| Montrose, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,089 | 2.75% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,486 | 3.13% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,783 | 3.38% |
| NILES, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,212 | 2.25% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,402 | 4.13% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,142 | 3.75% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,134 | 2.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,717 | 2.88% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,994 | 4.13% |
| New Castle, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,384 | 3.12% |
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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.
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Product Mix
For 2021, Np's most frequently originated type of loan was Conventional, with 2,919 originations. Their 2nd most popular type was VA, with 2,706 originations.
Loan Reason
For 2021, Np's most frequently cited loan purpose was Refi, with 4,039 originations. The 2nd most popular reason was Home Purchase, with 2,129 originations.
Loan Duration/Length
For 2021, Np's most frequently cited loan duration was 30 Year, with 5,685 originations. The 2nd most popular length was 15 Year, with 248 originations.
Origination Fees/Closing Costs
Np's average total fees were $6,032, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,858 originations.
Interest Rates
During 2021, Np's average interest rate for loans was 2.86%, while their most frequently originated rate bucket for loans was <2.5%, with 2,529 originations.
Loan Sizing
2021 saw Np place emphasis on $200k-400k loans with 3,853 originations, totaling $1,087,395,000 in origination value.
Applicant Income
Np lent most frequently to those with incomes in the $50k or less range, with 2,913 originations. The second most popular income band? $50k-75k, with 901 originations.
Applicant Debt to Income Ratio
Np lent most frequently to those with DTI ratios of 30-36%, with 649 originations. The next most common DTI ratio? 20-30%, with 598 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.76%
Np has an average approval rate.
Pick Rate
Approvals leading to origination64.64%
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 | 6,255 | $1,906,795,000 | $304,843 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,255 | $1,906,795,000 | $304,843 |