American Portfolio Mortgage Corporation Rates, Fees & Info

CARSON CITY, NV

LEI: 549300BBKMRS6J0CB539

Tax ID: 36-4078960

4.6 stars - Updated: 4/14/24 - out of 5 stars, based on 37 reviews

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

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Mortgage Data

Review & Overview

American Portfolio Mortgage Corporation is a smaller mortgage company specializing in Home Purchase loans. American Portfolio Mortgage Corporation 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: Chicago, Miami, Huntsville, Dallas, and Lansing among others. We have data for 106 markets. (Some data included below & more in-depth data is available with an active subscription.)

American Portfolio Mortgage Corporation 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. American Portfolio Mortgage Corporation is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have 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% 4/14/24
30 Year Conventional Purchase 7.01% 4/14/24
30 Year Conventional Refi 6.98% 4/14/24
30 Year Cash-out Refi 6.27% 4/14/24
30 Year FHA Purchase 7.46% 4/14/24
30 Year FHA Refi 7.20% 4/14/24
30 Year VA Purchase 6.40% 4/14/24
30 Year VA Refi 6.34% 4/14/24
30 Year USDA Purchase 6.67% 4/14/24
15 Year Conventional Purchase 6.56% 4/14/24
15 Year Conventional Refi 6.47% 4/14/24
15 Year Cash-out Refi 6.47% 4/14/24
15 Year FHA Refi 6.82% 4/14/24
15 Year VA Purchase 6.49% 4/14/24
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.

American Portfolio Mortgage Corporation Mortgage Calculator






Your Estimates

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

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

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


Originations

1,350

Origination Dollar Volume (All Markets)

$386,030,000
Show all (6) awards

Relative Rate

American Portfolio Mortgage Corporation's average 30 year fixed mortgage rate was 6.84%.

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

This yields a difference of 0.36%.

Relative Fees (Closing Costs)

American Portfolio Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $8,350.

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
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 512 $120,620,000 $235,586 $7,561 6.80%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 172 $73,720,000 $428,605 $12,640 6.89%
HUNTSVILLE, AL (FHA|USDA|VA) 133 $40,795,000 $306,729 $9,457 6.54%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 91 $37,725,000 $414,560 $9,218 7.38%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 58 $9,660,000 $166,552 $4,177 6.61%
ST. LOUIS, MO-IL (FHA|USDA|VA) 39 $8,145,000 $208,846 $4,635 6.62%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 19 $7,615,000 $400,789 $11,537 6.83%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 21 $5,815,000 $276,905 $8,969 6.67%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 15 $5,685,000 $379,000 $8,500 6.97%
Outside of Metro Areas 22 $4,490,000 $204,091 $7,936 6.93%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $4,055,000 $368,636 $7,138 7.10%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 25 $4,035,000 $161,400 $5,144 6.94%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 13 $3,695,000 $284,231 $8,429 6.94%
Key West, FL (FHA|USDA|VA) 5 $3,665,000 $733,000 $16,455 6.78%
DECATUR, AL (FHA|USDA|VA) 12 $2,740,000 $228,333 $8,400 6.72%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 8 $2,440,000 $305,000 $9,395 7.19%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 14 $2,350,000 $167,857 $6,971 6.35%
ROCKFORD, IL (FHA|USDA|VA) 7 $1,635,000 $233,571 $7,477 6.98%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $1,415,000 $471,667 $15,314 8.49%
Mount Vernon, IL (FHA|USDA|VA) 11 $1,405,000 $127,727 $5,268 6.95%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,400,000 $350,000 $9,945 7.22%
Bonham, TX (FHA|USDA|VA) 3 $1,355,000 $451,667 $7,660 7.29%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,355,000 $451,667 $6,726 7.25%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,340,000 $335,000 $7,383 6.91%
Owatonna, MN (FHA|USDA|VA) 5 $1,295,000 $259,000 $9,462 6.73%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,290,000 $322,500 $11,679 6.34%
PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $1,275,000 $255,000 $9,481 7.88%
Albertville, AL (FHA|USDA|VA) 5 $1,265,000 $253,000 $6,247 6.65%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,255,000 $418,333 $14,436 6.42%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,120,000 $280,000 $4,151 6.66%
RACINE, WI (FHA|USDA|VA) 4 $1,120,000 $280,000 $3,933 7.56%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,115,000 $371,667 $9,148 6.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $1,100,000 $275,000 $9,809 6.88%
Cullman, AL (FHA|USDA|VA) 5 $1,075,000 $215,000 $7,503 6.58%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $1,005,000 $335,000 $5,345 7.25%
Faribault-Northfield, MN (FHA|USDA|VA) 2 $980,000 $490,000 $7,880 6.94%
EL PASO, TX (FHA|USDA|VA) 3 $955,000 $318,333 $5,698 6.83%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $935,000 $935,000 $27,090 6.63%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $935,000 $311,667 $6,492 6.46%
TUCSON, AZ (FHA|USDA|VA) 3 $915,000 $305,000 $7,284 6.46%
CLEVELAND, TN (FHA|USDA|VA) 2 $910,000 $455,000 $15,577 6.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $905,000 $301,667 $9,103 6.79%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $875,000 $291,667 $6,099 6.88%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $735,000 $245,000 $8,434 7.08%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $725,000 $241,667 $7,285 6.58%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $580,000 $290,000 $7,048 7.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $570,000 $285,000 $8,149 7.44%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $550,000 $275,000 $4,538 6.19%
Whitewater, WI (FHA|USDA|VA) 2 $510,000 $255,000 $4,287 6.88%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $495,000 $495,000 $3,439 7.88%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $465,000 $465,000 $21,548 6.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $460,000 $230,000 $3,620 6.88%
OCALA, FL (FHA|USDA|VA) 2 $450,000 $225,000 $8,215 7.19%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $440,000 $220,000 $8,317 8.63%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $430,000 $215,000 $7,329 5.81%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $430,000 $215,000 $7,024 7.25%
ASHEVILLE, NC (FHA|USDA|VA) 1 $425,000 $425,000 $4,630 7.38%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $415,000 $415,000 $3,114 6.63%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $415,000 $415,000 $8,136 6.00%
Scottsboro, AL (FHA|USDA|VA) 2 $410,000 $205,000 $7,747 6.94%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $405,000 $405,000 $3,961 7.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $365,000 $365,000 $12,864 6.75%
GADSDEN, AL (FHA|USDA|VA) 2 $360,000 $180,000 $8,703 6.69%
Brainerd, MN (FHA|USDA|VA) 1 $345,000 $345,000 $3,808 6.13%
Fort Payne, AL (FHA|USDA|VA) 1 $345,000 $345,000 $9,652 5.99%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $325,000 $325,000 $2,426 7.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $295,000 $295,000 $12,017 6.63%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $295,000 $295,000 $5,293 6.50%
Beaver Dam, WI (FHA|USDA|VA) 1 $275,000 $275,000 $8,443 8.13%
GOLDSBORO, NC (FHA|USDA|VA) 1 $275,000 $275,000 $7,772 7.38%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $275,000 $275,000 $8,289 6.63%
Gainesville, TX (FHA|USDA|VA) 1 $265,000 $265,000 $7,220 8.50%
JACKSON, MI (FHA|USDA|VA) 2 $260,000 $130,000 $3,724 6.31%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $255,000 $255,000 $9,662 6.75%
Sanford, NC (FHA|USDA|VA) 1 $255,000 $255,000 $3,927 7.50%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $255,000 $255,000 $8,392 6.00%
WACO, TX (FHA|USDA|VA) 1 $255,000 $255,000 $9,146 7.88%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,694 7.13%
Crossville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $11,366 6.75%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $225,000 $225,000 $3,661 6.75%
GAINESVILLE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $10,059 6.00%
Atmore, AL (FHA|USDA|VA) 2 $220,000 $110,000 $5,807 7.31%
FLINT, MI (FHA|USDA|VA) 1 $215,000 $215,000 $3,254 6.63%
Paris, TX (FHA|USDA|VA) 1 $205,000 $205,000 $14,067 7.50%
Madisonville, KY (FHA|USDA|VA) 1 $205,000 $205,000 $7,477 5.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $195,000 $195,000 $5,367 7.50%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,899 7.63%
Lawrenceburg, TN (FHA|USDA|VA) 1 $185,000 $185,000 $12,929 6.00%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $185,000 $185,000 $7,522 6.88%
Andrews, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,821 6.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $8,614 6.00%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $175,000 $175,000 $3,408 7.38%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $175,000 $175,000 $7,119 6.38%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,310 7.25%
Pontiac, IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,252 6.38%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $165,000 $165,000 $3,662 7.00%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,538 7.49%
Red Wing, MN (FHA|USDA|VA) 1 $145,000 $145,000 $2,278 5.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $145,000 $145,000 $3,804 6.38%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $145,000 $145,000 $3,693 7.50%
Plymouth, IN (FHA|USDA|VA) 1 $125,000 $125,000 $3,874 8.13%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $125,000 $125,000 $12,693 8.25%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,569 5.75%
Bemidji, MN (FHA|USDA|VA) 1 $95,000 $95,000 $4,502 6.25%
BATON ROUGE, LA (FHA|USDA|VA) 1 $95,000 $95,000 $6,320 8.00%
Atchison, KS (FHA|USDA|VA) 1 $65,000 $65,000 $2,340 6.50%
American Portfolio Mortgage Corporation's top markets include Chicago, Miami, Huntsville, Dallas, and Lansing among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 895 $257,955,000 $288,218 $7,455 6.95%
    FHA 354 $91,730,000 $259,124 $10,612 6.66%
    VA 93 $34,435,000 $370,269 $8,160 6.47%
    USDA 8 $1,910,000 $238,750 $7,162 6.27%

    For 2023, American Portfolio Mortgage Corporation's most frequently originated type of loan was Conventional, with 895 originations. Their 2nd most popular type was FHA, with 354 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,250 $360,120,000 $288,096 $8,367 6.81%
    Refi 91 $22,635,000 $248,736 $8,027 7.07%
    Cash Out Refi 9 $3,275,000 $363,889 $7,997 7.58%

    For 2023, American Portfolio Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 1,250 originations. The 2nd most popular reason was Refi, with 91 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,331 $380,755,000 $286,067 $8,350 6.84%
    15 Year 11 $2,705,000 $245,909 $6,448 6.49%
    20 Year 6 $2,120,000 $353,333 $8,601 6.23%
    Other 2 $450,000 $225,000 $11,921 6.63%

    For 2023, American Portfolio Mortgage Corporation's most frequently cited loan duration was 30 Year, with 1,331 originations. The 2nd most popular length was 15 Year, with 11 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 418 $99,310,000 $237,584
    $5k+ 324 $129,820,000 $400,679
    $2k-3k 238 $54,060,000 $227,143
    $3k-4k 147 $37,765,000 $256,905
    $<1k 122 $35,700,000 $292,623
    $4k-5k 94 $26,220,000 $278,936

    American Portfolio Mortgage Corporation's average total fees were $8,350, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 418 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 697 $189,155,000 $271,385
    7-8% 418 $124,170,000 $297,057
    5-6% 174 $46,530,000 $267,414
    Over 8% 59 $25,625,000 $434,322
    4-5% 2 $550,000 $275,000

    During 2023, American Portfolio Mortgage Corporation's average interest rate for loans was 6.84%, while their most frequently originated rate bucket for loans was 6-7%, with 697 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 639 $181,045,000 $283,326 $8,562 6.91%
    $100k-200k 402 $62,240,000 $154,826 $5,969 6.68%
    $400k-600k 186 $88,010,000 $473,172 $11,773 6.87%
    $100,000 or less 60 $4,900,000 $81,667 $4,218 6.65%
    $600k-1MM 57 $40,205,000 $705,351 $14,499 7.12%
    $1MM+ 6 $9,630,000 $1,605,000 $23,844 7.98%

    2023 saw American Portfolio Mortgage Corporation place emphasis on $200k-400k loans with 639 originations, totaling $181,045,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 333 $106,425,000 $319,595 $9,241 6.85%
    $50k-75k 301 $58,445,000 $194,169 $7,203 6.65%
    $75k-100k 273 $67,855,000 $248,553 $7,727 6.76%
    $150k-250k 214 $87,290,000 $407,897 $9,743 7.07%
    $50k or less 146 $20,910,000 $143,219 $6,172 6.70%
    $250k+ 83 $45,105,000 $543,434 $11,217 7.39%

    American Portfolio Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 333 originations. The second most popular income band? $50k-75k, with 301 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 210 $56,280,000 $268,000 $7,122 6.83%
    20-30% 133 $34,085,000 $256,278 $6,701 6.77%
    50-60% 96 $28,350,000 $295,313 $11,283 6.60%
    44% 85 $22,515,000 $264,882 $8,346 6.80%
    49% 77 $24,435,000 $317,338 $9,000 6.95%
    42% 74 $20,060,000 $271,081 $8,067 6.84%
    41% 66 $19,250,000 $291,667 $8,044 6.71%
    47% 62 $19,760,000 $318,710 $10,188 6.83%
    43% 61 $17,085,000 $280,082 $8,836 6.71%
    40% 60 $18,370,000 $306,167 $8,777 6.88%
    45% 59 $18,755,000 $317,881 $9,925 6.88%
    46% 58 $15,370,000 $265,000 $8,603 6.66%
    38% 55 $17,695,000 $321,727 $7,994 6.86%
    48% 51 $14,805,000 $290,294 $9,947 6.70%
    36% 48 $12,360,000 $257,500 $7,436 6.88%
    39% 46 $12,180,000 $264,783 $7,681 6.84%
    37% 44 $11,820,000 $268,636 $7,289 6.95%
    <20% 42 $10,830,000 $257,857 $6,691 7.15%
    >60% 12 $6,450,000 $537,500 $8,787 7.56%

    American Portfolio Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 210 originations. The next most common DTI ratio? 20-30%, with 133 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,042 $303,890,000 $291,641 $8,159 6.83%
    Black 167 $41,105,000 $246,138 $9,209 6.82%
    Not provided 101 $30,725,000 $304,208 $8,706 6.83%
    Asian 26 $7,230,000 $278,077 $8,109 7.22%
    American Indian 7 $2,035,000 $290,714 $11,924 6.98%
    Other Asian 3 $505,000 $168,333 $8,286 7.41%
    Asian Indian 2 $360,000 $180,000 $6,767 6.94%
    Native Hawaiian or Islander 1 $125,000 $125,000 $5,663 7.63%
    Not applicable 1 $55,000 $55,000 $3,374 7.75%

    Approval Rates

    Total approvals of all applications
    94.36%

    American Portfolio Mortgage Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    60.15%

    American Portfolio Mortgage Corporation has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,350 $386,030,000 $285,948

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,350 $386,030,000 $285,948

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 35 $4,885,000 $139,571 $4,774 6.72%
    40-60% 89 $20,775,000 $233,427 $6,733 6.79%
    60-80% 309 $92,255,000 $298,560 $8,257 7.01%
    80-100% 897 $260,795,000 $290,741 $8,576 6.79%
    Over 100% 18 $7,000,000 $388,889 $13,349 6.55%
    Under 20% 2 $320,000 $160,000 $6,240 7.25%