Utilities Employees Credit Union Mortgage Rates, Fees & Info

Wyomissing, PA

LEI: 549300AX5UMUZ61L1X54

Tax ID: 23-1278971

5 stars - Updated: 6/16/24 - out of 5 stars, based on 26 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Utilities Employees Credit Union is a smaller credit union specializing in Home Improvement, Other, and Home Purchase loans. Utilities Employees Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Reading, New York, Philadelphia, Allentown, and Pittsburgh among others. We have data for 114 markets. (Some data included below & more in-depth data is available with an active subscription.)

Utilities Employees Credit Union 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. Utilities Employees Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

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

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

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

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 6/16/24
30 Year Conventional Purchase 6.37% 6/16/24
30 Year Conventional Refi 6.41% 6/16/24
30 Year Cash-out Refi 6.87% 6/16/24
15 Year Conventional Purchase 5.33% 6/16/24
15 Year Conventional Refi 5.44% 6/16/24
15 Year Cash-out Refi 5.44% 6/16/24
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.

Utilities Employees Credit Union Mortgage Calculator






Your Estimates

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

This is not an official calculator from Utilities Employees Credit Union. 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

675

Origination Dollar Volume (All Markets)

$74,625,000

Relative Rate

Utilities Employees Credit Union's average 30 year fixed mortgage rate was 6.39%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.09%.

Relative Fees (Closing Costs)

Utilities Employees Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $4,357.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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
READING, PA (FHA|USDA|VA) 130 $11,860,000 $91,231 $599 6.92%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 75 $9,835,000 $131,133 $863 6.94%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 38 $4,830,000 $127,105 $1,279 6.77%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 31 $3,735,000 $120,484 $1,226 6.81%
Outside of Metro Areas 41 $3,455,000 $84,268 $760 6.83%
PITTSBURGH, PA (FHA|USDA|VA) 21 $3,055,000 $145,476 $1,246 6.89%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 18 $2,280,000 $126,667 $562 7.02%
COLUMBIA, SC (FHA|USDA|VA) 28 $2,220,000 $79,286 $808 6.95%
LANCASTER, PA (FHA|USDA|VA) 22 $1,830,000 $83,182 $209 7.29%
LEBANON, PA (FHA|USDA|VA) 9 $1,425,000 $158,333 $941 6.93%
BINGHAMTON, NY (FHA|USDA|VA) 13 $1,335,000 $102,692 $1,323 6.76%
RALEIGH-CARY, NC (FHA|USDA|VA) 7 $1,165,000 $166,429 $1,177 7.10%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 7 $1,105,000 $157,857 $1,061 7.00%
ERIE, PA (FHA|USDA|VA) 11 $1,085,000 $98,636 $1,547 6.78%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,070,000 $267,500 $275 7.25%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,045,000 $209,000 $2,793 6.87%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 7 $875,000 $125,000 $850 6.30%
Indiana, PA (FHA|USDA|VA) 7 $775,000 $110,714 $1,072 6.98%
RICHMOND, VA (FHA|USDA|VA) 3 $725,000 $241,667 $2,615 6.71%
Somerset, PA (FHA|USDA|VA) 4 $720,000 $180,000 $3,199 7.44%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $675,000 $225,000 $925 7.24%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $670,000 $167,500 $173 6.87%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $660,000 $330,000 $0 7.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $615,000 $123,000 $1,047 5.87%
GETTYSBURG, PA (FHA|USDA|VA) 2 $610,000 $305,000 $4,736 6.13%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $590,000 $295,000 $4,733 7.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $555,000 $185,000 $2,483 7.41%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $545,000 $109,000 $170 7.30%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $540,000 $90,000 $1,323 6.33%
Pottsville, PA (FHA|USDA|VA) 6 $540,000 $90,000 $824 6.49%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $510,000 $255,000 $0 8.25%
Plattsburgh, NY (FHA|USDA|VA) 6 $500,000 $83,333 $1,318 6.66%
ALTOONA, PA (FHA|USDA|VA) 5 $485,000 $97,000 $163 6.99%
Sayre, PA (FHA|USDA|VA) 4 $470,000 $117,500 $2,782 6.87%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $465,000 $465,000 $0 6.50%
JOHNSTOWN, PA (FHA|USDA|VA) 8 $460,000 $57,500 $124 6.84%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $450,000 $225,000 $1,616 6.31%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 9 $445,000 $49,444 $355 7.10%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 7 $415,000 $59,286 $1,431 6.80%
GREENVILLE, NC (FHA|USDA|VA) 1 $405,000 $405,000 $3,501 7.38%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $380,000 $95,000 $700 7.18%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $370,000 $92,500 $1,487 7.40%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $355,000 $355,000 $3,379 6.00%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $340,000 $170,000 $2,375 5.68%
LYNCHBURG, VA (FHA|USDA|VA) 2 $340,000 $170,000 $105 7.62%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 5 $335,000 $67,000 $651 6.74%
Rock Springs, WY (FHA|USDA|VA) 1 $335,000 $335,000 $3,510 5.75%
Sonora, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,654 6.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $275,000 $275,000 $0 7.75%
SUMTER, SC (FHA|USDA|VA) 1 $275,000 $275,000 $3,711 6.63%
DuBois, PA (FHA|USDA|VA) 6 $270,000 $45,000 $0 6.66%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $255,000 $85,000 $619 7.33%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $255,000 $85,000 $858 6.16%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $230,000 $115,000 $0 7.37%
Hudson, NY (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.00%
BEND, OR (FHA|USDA|VA) 1 $195,000 $195,000 $4,639 5.50%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $190,000 $95,000 $32 7.37%
Auburn, NY (FHA|USDA|VA) 1 $185,000 $185,000 $1,775 6.74%
ROCHESTER, NY (FHA|USDA|VA) 3 $175,000 $58,333 $400 6.50%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $175,000 $175,000 $3,430 7.25%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.13%
GLENS FALLS, NY (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.25%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,169 5.88%
SPARTANBURG, SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.75%
Crossville, TN (FHA|USDA|VA) 1 $145,000 $145,000 $154 6.74%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $130,000 $65,000 $1,976 6.12%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,027 5.25%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.74%
Meadville, PA (FHA|USDA|VA) 2 $120,000 $60,000 $0 6.62%
SYRACUSE, NY (FHA|USDA|VA) 1 $115,000 $115,000 $825 5.49%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.75%
Lock Haven, PA (FHA|USDA|VA) 2 $110,000 $55,000 $0 6.74%
Oneonta, NY (FHA|USDA|VA) 2 $110,000 $55,000 $488 6.37%
Olean, NY (FHA|USDA|VA) 1 $105,000 $105,000 $1,264 6.24%
Newberry, SC (FHA|USDA|VA) 3 $95,000 $31,667 $650 7.83%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.24%
DOVER, DE (FHA|USDA|VA) 2 $90,000 $45,000 $0 7.38%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $90,000 $45,000 $0 7.12%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.25%
Warren, PA (FHA|USDA|VA) 2 $80,000 $40,000 $0 6.49%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $80,000 $40,000 $439 6.75%
ELMIRA, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.25%
Sanford, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $75,000 $75,000 $863 5.99%
Jasper, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.24%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $65,000 $65,000 $515 6.99%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $65,000 $65,000 $308 6.24%
Morehead City, NC (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.24%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $55,000 $55,000 $699 6.49%
Eufaula, AL-GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.50%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.00%
Cortland, NY (FHA|USDA|VA) 1 $55,000 $55,000 $450 6.49%
FLORENCE, SC (FHA|USDA|VA) 1 $55,000 $55,000 $700 6.24%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.50%
UTICA-ROME, NY (FHA|USDA|VA) 1 $55,000 $55,000 $776 7.24%
ITHACA, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.75%
MANSFIELD, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.25%
MANHATTAN, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.99%
BURLINGTON, NC (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.49%
PITTSFIELD, MA (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.49%
New Castle, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.99%
GAINESVILLE, GA (FHA|USDA|VA) 1 $35,000 $35,000 $130 6.49%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.25%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.24%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.49%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.49%
Henderson, NC (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.99%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $25,000 $25,000 $111 5.74%
Rutland, VT (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.74%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $15,000 $15,000 $495 6.74%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.24%
Utilities Employees Credit Union's top markets include Reading, New York, Philadelphia, Allentown, and Pittsburgh among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against UTILITIES EMPLOYEES CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    LEBANON
    Similarity Rank: 117
    N C P D Federal Credit Union
    Similarity Rank: 126
    Columbia Bank
    Similarity Rank: 156
    GREATER ALLIANCE
    Similarity Rank: 168
    Blue Foundry Bank
    Similarity Rank: 188
    PCSB Bank
    Similarity Rank: 207

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 417 $46,785,000 $112,194 $949 6.52%
    HELOC 258 $27,840,000 $107,907 n/a 7.50%

    For 2023, Utilities Employees Credit Union's most frequently originated type of loan was Conventional, with 417 originations. Their 2nd most popular type was HELOC, with 258 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 259 $20,625,000 $79,633 $200 6.96%
    Other 234 $19,070,000 $81,496 $291 6.95%
    Home Purchase 99 $24,195,000 $244,394 $3,541 6.54%
    Cash Out Refi 43 $5,645,000 $131,279 $414 6.89%
    Refi 40 $5,090,000 $127,250 $473 6.99%

    For 2023, Utilities Employees Credit Union's most frequently cited loan purpose was Home Improvement, with 259 originations. The 2nd most popular reason was Other, with 234 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 269 $27,085,000 $100,688 $66 7.38%
    10 Year 124 $7,070,000 $57,016 $228 6.49%
    15 Year 90 $8,840,000 $98,222 $633 6.63%
    20 Year 76 $9,650,000 $126,974 $323 7.01%
    30 Year 65 $19,855,000 $305,462 $4,357 6.39%
    5 Year 49 $2,015,000 $41,122 $140 6.21%
    1 Year 1 $105,000 $105,000 $0 8.00%
    3 Year 1 $5,000 $5,000 $0 5.99%

    For 2023, Utilities Employees Credit Union's most frequently cited loan duration was Other, with 269 originations. The 2nd most popular length was 10 Year, with 124 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 336 $24,800,000 $73,810
    $1k-2k 72 $20,950,000 $290,972

    Utilities Employees Credit Union's average total fees were $4,357, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 336 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 284 $29,030,000 $102,218
    7-8% 241 $27,695,000 $114,917
    5-6% 114 $13,340,000 $117,018
    Over 8% 31 $3,765,000 $121,452
    4-5% 5 $795,000 $159,000

    During 2023, Utilities Employees Credit Union's average interest rate for loans was 6.39%, while their most frequently originated rate bucket for loans was 6-7%, with 284 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 421 $21,135,000 $50,202 $201 6.89%
    $100k-200k 144 $19,440,000 $135,000 $1,013 6.92%
    $200k-400k 85 $22,575,000 $265,588 $3,281 6.87%
    $400k-600k 23 $10,115,000 $439,783 $4,951 6.93%
    $600k-1MM 2 $1,360,000 $680,000 $5,050 6.69%

    2023 saw Utilities Employees Credit Union place emphasis on $100,000 or less loans with 421 originations, totaling $21,135,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 215 $22,825,000 $106,163 $859 6.90%
    $150k-250k 175 $24,355,000 $139,171 $1,342 6.94%
    $75k-100k 110 $10,570,000 $96,091 $810 6.89%
    $50k-75k 88 $6,400,000 $72,727 $610 6.72%
    $250k+ 40 $7,440,000 $186,000 $1,971 7.07%
    $50k or less 40 $2,180,000 $54,500 $502 6.87%

    Utilities Employees Credit Union lent most frequently to those with incomes in the $100k-150k range, with 215 originations. The second most popular income band? $150k-250k, with 175 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 162 $17,490,000 $107,963 $1,314 6.78%
    30-36% 129 $16,025,000 $124,225 $1,025 6.90%
    <20% 73 $7,365,000 $100,890 $1,334 6.83%
    50-60% 66 $7,750,000 $117,424 $581 7.02%
    42% 26 $2,370,000 $91,154 $882 6.99%
    37% 25 $2,015,000 $80,600 $334 6.77%
    45% 20 $2,230,000 $111,500 $833 7.08%
    38% 19 $2,165,000 $113,947 $956 6.87%
    44% 17 $2,265,000 $133,235 $919 6.99%
    41% 17 $1,415,000 $83,235 $346 6.85%
    36% 17 $2,125,000 $125,000 $1,311 7.00%
    >60% 16 $2,250,000 $140,625 $448 6.99%
    40% 15 $1,925,000 $128,333 $677 7.00%
    49% 14 $1,730,000 $123,571 $635 6.98%
    43% 12 $1,050,000 $87,500 $814 7.08%
    46% 12 $1,160,000 $96,667 $693 6.71%
    39% 12 $930,000 $77,500 $244 6.95%
    48% 9 $985,000 $109,444 $258 6.94%
    47% 7 $525,000 $75,000 $253 6.89%

    Utilities Employees Credit Union lent most frequently to those with DTI ratios of 20-30%, with 162 originations. The next most common DTI ratio? 30-36%, with 129 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 602 $66,300,000 $110,133 $977 6.88%
    Not provided 38 $4,180,000 $110,000 $917 6.91%
    Black 26 $2,500,000 $96,154 $266 7.04%
    Not applicable 7 $855,000 $122,143 $0 7.10%
    Chinese 1 $715,000 $715,000 $5,038 6.50%
    Filipino 1 $75,000 $75,000 $0 7.25%

    Approval Rates

    Total approvals of all applications
    90.46%

    Utilities Employees Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.07%

    Utilities Employees Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 675 $74,625,000 $110,556

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    675 $74,625,000 $110,556

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 194 $19,340,000 $99,691 $388 6.97%
    40-60% 63 $11,435,000 $181,508 $1,047 6.93%
    60-80% 49 $11,245,000 $229,490 $2,962 6.46%
    80-100% 55 $16,145,000 $293,545 $3,863 6.83%
    Under 20% 314 $16,460,000 $52,420 $210 6.91%