Numark Credit Union Mortgage Rates, Fees & Info

Joliet, IL

LEI: 549300E3X7YDJIUENL65

Tax ID: 36-6006909

5 stars - out of 5 stars, based on 32 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Numark Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Numark Credit Union has a high proportion of conventional loans. Their top markets include Chicago, Kankakee, Philadelphia, Atlanta, and Ottawa among others. Numark Credit Union has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Numark Credit Union is typically a low fee lendor.


Originations

1,004

Origination Dollar Volume (All Markets)

$168,300,000

Awards

NUMARK CREDIT UNION 30 Year Conventional Loans bronze
Show all (1) awards

Relative Rate

Numark Credit Union's average 30 year fixed rate mortgage of loans were 3.15%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0%.

Relative Fees

Numark Credit Union's average total fees for a 30 year fixed rate mortgage are $3,024.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 742 $143,580,000 $193,504 $2,629 2.98%
Outside of Metro Areas 22 $3,070,000 $139,545 $2,219 4.43%
KANKAKEE, IL (FHA|USDA|VA) 12 $1,680,000 $140,000 $2,127 3.33%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 18 $1,190,000 $66,111 $0 6.48%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $1,140,000 $285,000 $3,440 3.69%
Ottawa, IL (FHA|USDA|VA) 7 $1,065,000 $152,143 $2,658 2.70%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $970,000 $242,500 $3,618 3.16%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 14 $790,000 $56,429 $1,275 6.02%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $615,000 $205,000 $2,784 4.13%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $550,000 $137,500 $2,585 4.75%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $465,000 $93,000 $2,513 5.35%
Traverse City, MI (FHA|USDA|VA) 2 $450,000 $225,000 $2,097 2.31%
PITTSBURGH, PA (FHA|USDA|VA) 6 $440,000 $73,333 $0 6.75%
LANCASTER, PA (FHA|USDA|VA) 7 $435,000 $62,143 $0 6.14%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $405,000 $57,857 $0 6.36%
ROCKFORD, IL (FHA|USDA|VA) 3 $385,000 $128,333 $2,188 2.83%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 8 $380,000 $47,500 $0 6.29%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $325,000 $108,333 $0 5.83%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $310,000 $77,500 $2,666 5.50%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $285,000 $285,000 $3,325 3.38%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $285,000 $285,000 $3,100 2.75%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $285,000 $285,000 $2,709 2.88%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $285,000 $285,000 $2,440 3.00%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $265,000 $265,000 $890 2.13%
Hillsdale, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,510 2.63%
BLOOMINGTON, IL (FHA|USDA|VA) 3 $255,000 $85,000 $2,260 4.08%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $225,000 $75,000 $0 6.70%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $215,000 $215,000 $1,996 2.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $210,000 $105,000 $2,724 4.50%
READING, PA (FHA|USDA|VA) 3 $205,000 $68,333 $0 6.42%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $200,000 $100,000 $0 6.13%
LYNCHBURG, VA (FHA|USDA|VA) 2 $200,000 $100,000 $1,213 4.99%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $195,000 $39,000 $0 6.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $175,000 $58,333 $0 6.08%
Warrensburg, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,922 5.50%
ROCHESTER, NY (FHA|USDA|VA) 2 $160,000 $80,000 $0 6.25%
ANN ARBOR, MI (FHA|USDA|VA) 3 $155,000 $51,667 $0 6.33%
Scottsbluff, NE (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.00%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.00%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $135,000 $135,000 $1,673 4.99%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $135,000 $135,000 $1,298 5.99%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.63%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $130,000 $65,000 $2,473 4.19%
Cullman, AL (FHA|USDA|VA) 1 $125,000 $125,000 $812 7.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.25%
LEBANON, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.25%
Outside of Metro Areas 2 $120,000 $60,000 $0 6.13%
Holland, MI (FHA|USDA|VA) 2 $120,000 $60,000 $0 6.63%
Tupelo, MS (FHA|USDA|VA) 1 $115,000 $115,000 $5,498 6.25%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $115,000 $115,000 $1,352 4.50%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $115,000 $115,000 $1,289 4.99%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $110,000 $55,000 $0 6.75%
Searcy, AR (FHA|USDA|VA) 1 $105,000 $105,000 $842 6.25%
Murray, KY (FHA|USDA|VA) 1 $105,000 $105,000 $2,396 2.50%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $105,000 $105,000 $812 6.25%
STAUNTON, VA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.50%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $105,000 $105,000 $812 5.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,566 2.38%
Corinth, MS (FHA|USDA|VA) 1 $105,000 $105,000 $2,319 2.25%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $100,000 $50,000 $1,925 5.62%
COLUMBUS, OH (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.50%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.25%
PUEBLO, CO (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.00%
Warsaw, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,108 2.38%
BOULDER, CO (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.25%
Adrian, MI (FHA|USDA|VA) 1 $75,000 $75,000 $1,717 4.99%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.25%
FORT COLLINS, CO (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.25%
Mason City, IA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.25%
Mountain Home, AR (FHA|USDA|VA) 1 $75,000 $75,000 $818 5.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $70,000 $35,000 $0 6.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $70,000 $35,000 $0 6.13%
Pottsville, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.25%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.75%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.50%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.75%
BOISE CITY, ID (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.50%
CHEYENNE, WY (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
ST. CLOUD, MN (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $60,000 $30,000 $0 5.80%
MONROE, MI (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.25%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.50%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.50%
Ponca City, OK (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.75%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $55,000 $55,000 $812 5.75%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.00%
Somerset, KY (FHA|USDA|VA) 1 $55,000 $55,000 $1,093 4.99%
FLINT, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.00%
Findlay, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.00%
Dixon, IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,934 2.88%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.25%
Branson, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.50%
MORGANTOWN, WV (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.25%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.75%
UTICA-ROME, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.25%
JACKSON, MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.25%
OCALA, FL (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.75%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.25%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.25%
Glenwood Springs, CO (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.75%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $45,000 $45,000 $2,441 3.38%
FORT WAYNE, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.25%
WICHITA, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.75%
TOLEDO, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.25%
JACKSON, MS (FHA|USDA|VA) 1 $35,000 $35,000 $720 5.75%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.00%
Peru, IN (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.25%
DUBUQUE, IA (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.25%
Waycross, GA (FHA|USDA|VA) 1 $25,000 $25,000 $842 5.75%
Salem, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.75%
MANHATTAN, KS (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.75%

Numark Credit Union's top markets include Chicago, Kankakee, Philadelphia, Atlanta, and Ottawa among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,004 $168,300,000 $167,629 $2,585 3.61%

For the 2021 period, Numark Credit Union's most frequently originated loan type of loans were Conventional, with 1,004 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 578 $105,400,000 $182,353 $1,975 2.92%
Home Purchase 425 $62,865,000 $147,918 $3,967 4.55%
Home Improvement 1 $35,000 $35,000 $720 5.75%

For the 2021, Numark Credit Union's most frequently cited loan purpose of loans were Refi, with 578 originations. The 2nd most popular reason of loans were Home Purchase, with 425 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 462 $97,190,000 $210,368 $3,024 3.15%
15 Year 230 $37,380,000 $162,522 $2,093 2.92%
20 Year 207 $21,675,000 $104,710 $1,971 5.00%
Other 69 $7,585,000 $109,928 $1,774 5.30%
10 Year 36 $4,470,000 $124,167 $2,027 2.59%

For the 2021, Numark Credit Union's most frequently cited loan length of loans were 30 Year, with 462 originations. The 2nd most popular length of loans were 15 Year, with 230 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 768 $148,140,000 $192,891
$<1k 59 $9,125,000 $154,661
$5k+ 2 $380,000 $190,000
$3k-4k 1 $195,000 $195,000

$3,024 of loans were Numark Credit Union's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 768 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 328 $59,960,000 $182,805
3-4% 293 $62,715,000 $214,044
<2.5% 163 $29,115,000 $178,620
6-7% 85 $5,135,000 $60,412
5-6% 75 $4,955,000 $66,067
4-5% 32 $4,740,000 $148,125
7-8% 27 $1,565,000 $57,963
Over 8% 1 $115,000 $115,000

During 2021, Numark Credit Union's average interest rate of loans were 3.15%, while their most frequently originated rate bucket of loans were 2.5-3%, with 328 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 430 $62,740,000 $145,907 $2,406 3.13%
$100,000 or less 271 $17,065,000 $62,970 $2,266 5.04%
$200k-400k 271 $73,485,000 $271,162 $2,944 3.01%
$400k-600k 31 $14,125,000 $455,645 $2,903 3.06%
$600k-1MM 1 $885,000 $885,000 $5,212 3.63%

2021 saw Numark Credit Union place emphasis on $100k-200k loans with 430 originations, totaling $62,740,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 261 $36,415,000 $139,521 $2,700 3.78%
$75k-100k 209 $36,145,000 $172,943 $2,565 3.35%
$100k-150k 208 $42,810,000 $205,817 $2,502 3.17%
$50k or less 205 $19,365,000 $94,463 $2,569 4.38%
$150k-250k 101 $26,805,000 $265,396 $2,584 3.13%
$250k+ 20 $6,760,000 $338,000 $2,519 3.19%

Numark Credit Union lent most frequently to those with incomes in the $50k-75k range, with 261 originations. The second most popular income band? $75k-100k, with 209 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 223 $36,655,000 $164,372 $2,484 3.54%
30-36% 188 $30,730,000 $163,457 $2,618 3.63%
<20% 79 $11,385,000 $144,114 $2,305 3.38%
43% 62 $11,500,000 $185,484 $2,827 3.53%
44% 55 $8,755,000 $159,182 $2,614 3.95%
40% 51 $7,265,000 $142,451 $2,505 3.64%
41% 43 $6,975,000 $162,209 $2,567 3.94%
42% 40 $7,900,000 $197,500 $2,753 3.72%
37% 40 $6,790,000 $169,750 $2,886 4.11%
39% 38 $5,340,000 $140,526 $2,378 4.00%
38% 35 $5,965,000 $170,429 $2,700 3.54%
45% 28 $5,340,000 $190,714 $3,150 3.34%
49% 22 $4,640,000 $210,909 $2,953 3.02%
36% 21 $2,775,000 $132,143 $2,488 4.27%
46% 20 $4,010,000 $200,500 $2,788 3.12%
48% 18 $3,430,000 $190,556 $2,586 2.88%
50-60% 16 $4,090,000 $255,625 $2,427 3.09%
47% 15 $3,275,000 $218,333 $2,638 2.95%
>60% 5 $1,075,000 $215,000 $2,047 3.28%

Numark Credit Union lent most frequently to those with DTI ratios of 20-30%, with 223 originations. The next most common DTI ratio? 30-36%, with 188 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 870 $144,710,000 $166,333 $2,563 3.60%
Black 75 $13,495,000 $179,933 $2,861 3.43%
Asian 26 $5,290,000 $203,462 $2,681 3.04%
Not provided 26 $3,670,000 $141,154 $2,108 5.04%
American Indian 4 $370,000 $92,500 $3,937 4.66%
Asian Indian 1 $315,000 $315,000 $1,797 2.25%
Native Hawaiian 1 $295,000 $295,000 $1,862 2.38%
Other Asian 1 $155,000 $155,000 $1,989 3.25%

Approval Rates

Total approvals of all applications
85.01%

Numark Credit Union has an average approval rate.

Pick Rate

Approvals leading to origination
44.87%

Numark Credit Union 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
1024.01 1 $25,000 $25,000
1100.1 1 $25,000 $25,000
1110.74 1 $95,000 $95,000
1134.31 1 $25,000 $25,000
1141.47 1 $115,000 $115,000
1194.62 1 $95,000 $95,000
1225.0 1 $35,000 $35,000
1333.49 1 $115,000 $115,000
1365.93 1 $115,000 $115,000
1413.91 1 $65,000 $65,000
1430.83 1 $45,000 $45,000
1441.52 1 $45,000 $45,000
1475.0 1 $35,000 $35,000
1575.0 1 $35,000 $35,000
1619.21 1 $85,000 $85,000
1625.5 1 $35,000 $35,000
1803.52 1 $85,000 $85,000
1970.53 1 $85,000 $85,000
2104.0 1 $45,000 $45,000
2108.96 1 $65,000 $65,000
2199.0 1 $55,000 $55,000
2208.77 1 $65,000 $65,000
2250.0 2 $100,000 $50,000
236.46 1 $25,000 $25,000
2440.0 1 $65,000 $65,000
2615.0 1 $55,000 $55,000
2699.0 1 $55,000 $55,000
2773.0 1 $55,000 $55,000
2950.0 1 $65,000 $65,000
3000.0 1 $125,000 $125,000
3055.28 1 $65,000 $65,000
3102.0 1 $75,000 $75,000
3185.0 1 $85,000 $85,000
3244.96 1 $85,000 $85,000
3300.0 1 $85,000 $85,000
3425.0 1 $75,000 $75,000
3457.59 1 $135,000 $135,000
3500.0 3 $265,000 $88,333
3511.0 1 $75,000 $75,000
351.41 1 $35,000 $35,000
3699.0 1 $95,000 $95,000
3861.0 1 $85,000 $85,000
3900.0 1 $105,000 $105,000
395.95 1 $15,000 $15,000
4168.0 1 $95,000 $95,000
470.0 1 $15,000 $15,000
474.0 1 $25,000 $25,000
479.23 1 $25,000 $25,000
5085.0 1 $105,000 $105,000
529.0 1 $35,000 $35,000
554.0 1 $35,000 $35,000
556.62 1 $35,000 $35,000
5618.0 1 $145,000 $145,000
574.76 1 $35,000 $35,000
575.05 1 $35,000 $35,000
586.39 1 $35,000 $35,000
600.41 1 $65,000 $65,000
652.05 1 $45,000 $45,000
674.56 1 $45,000 $45,000
699.0 1 $45,000 $45,000
700.88 1 $55,000 $55,000
703.05 1 $55,000 $55,000
706.02 1 $55,000 $55,000
733.95 1 $55,000 $55,000
749.0 13 $785,000 $60,385
799.0 26 $1,290,000 $49,615
809.47 1 $65,000 $65,000
819.0 1 $65,000 $65,000
819.51 1 $65,000 $65,000
829.05 1 $65,000 $65,000
832.5 1 $65,000 $65,000
859.8 1 $65,000 $65,000
899.0 1 $65,000 $65,000
900.46 1 $75,000 $75,000
937.48 1 $75,000 $75,000
971.0 1 $25,000 $25,000
971.05 1 $25,000 $25,000
999.0 56 $3,420,000 $61,071
999.99 1 $55,000 $55,000
NA 830 $157,840,000 $190,169

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,004 $168,300,000 $167,629

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 63 $6,725,000 $106,746 $2,047 2.92%
40-60% 152 $22,290,000 $146,645 $2,042 2.95%
60-80% 428 $81,520,000 $190,467 $2,377 3.34%
80-100% 358 $57,480,000 $160,559 $3,381 4.33%
Over 100% 1 $115,000 $115,000 $1,289 4.99%
Under 20% 2 $170,000 $85,000 $2,008 2.88%