Emm Loans Mortgage Rates, Fees & Info
Cherry Hill, NJLEI: 549300EMNDEK4BA8WB53
Tax ID: 54-2070914
3 stars
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Emm Loans is a small mortgage company specializing in Refi and Home Purchase loans. Emm Loans 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: Philadelphia, Boston, New York, Lebanon, and Baltimore among others. We have data for 344 markets. (Some data included below & more in-depth data is available with an active subscription.)Emm Loans 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. Emm Loans 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 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 | 6.64% | 1/29/23 |
| 30 Year Conventional Refi | 6.68% | 1/29/23 |
| 30 Year FHA Purchase | 7.45% | 1/29/23 |
| 30 Year FHA Refi | 7.19% | 1/29/23 |
| 30 Year VA Purchase | 6.36% | 1/29/23 |
| 30 Year VA Refi | 6.24% | 1/29/23 |
| 30 Year USDA Purchase | 6.78% | 1/29/23 |
| 30 Year USDA Refi | 6.56% | 1/29/23 |
| 15 Year Conventional Purchase | 5.96% | 1/29/23 |
| 15 Year Conventional Refi | 6.13% | 1/29/23 |
| 15 Year Cash-out Refi | 6.13% | 1/29/23 |
| 15 Year FHA Refi | 5.68% | 1/29/23 |
| 15 Year VA Purchase | 6.74% | 1/29/23 |
| 15 Year VA Refi | 5.85% | 1/29/23 |
| 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. | ||
Originations
8,967Origination Dollar Volume (All Markets)
$2,458,885,000Awards
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EMM LOANS - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Emm Loans's average 30 year fixed mortgage rate was
3.12%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.03%.
Relative Fees (Closing Costs)
Emm Loans's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,825.
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 $4,750.
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 |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1,195 | $345,585,000 | $289,192 | $7,481 | 3.04% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 762 | $297,470,000 | $390,381 | $5,992 | 3.05% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 432 | $157,490,000 | $364,560 | $8,709 | 3.10% |
| Lebanon, NH-VT (FHA|USDA|VA) | 429 | $117,965,000 | $274,977 | $3,784 | 2.95% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 320 | $97,180,000 | $303,688 | $6,319 | 3.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 552 | $94,830,000 | $171,793 | $4,531 | 2.64% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 323 | $83,765,000 | $259,334 | $3,761 | 3.15% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 248 | $70,470,000 | $284,153 | $5,440 | 3.07% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 164 | $65,520,000 | $399,512 | $9,428 | 3.03% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 224 | $62,530,000 | $279,152 | $7,554 | 3.09% |
| Outside of Metro Areas | 276 | $56,420,000 | $204,420 | $5,457 | 2.91% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 234 | $55,300,000 | $236,325 | $5,991 | 3.03% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 161 | $46,965,000 | $291,708 | $6,515 | 2.99% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 145 | $42,395,000 | $292,379 | $7,327 | 3.05% |
| LANCASTER, PA (FHA|USDA|VA) | 172 | $41,710,000 | $242,500 | $6,013 | 2.97% |
| LEBANON, PA (FHA|USDA|VA) | 209 | $37,385,000 | $178,876 | $5,861 | 2.97% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 125 | $34,395,000 | $275,160 | $6,875 | 2.99% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 94 | $26,340,000 | $280,213 | $6,365 | 3.02% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 119 | $23,685,000 | $199,034 | $5,566 | 2.91% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 57 | $23,485,000 | $412,018 | $6,216 | 3.10% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 87 | $21,455,000 | $246,609 | $7,760 | 3.10% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 79 | $21,405,000 | $270,949 | $7,304 | 3.08% |
| Concord, NH (FHA|USDA|VA) | 59 | $17,795,000 | $301,610 | $4,240 | 3.00% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 54 | $17,680,000 | $327,407 | $6,020 | 3.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 81 | $17,365,000 | $214,383 | $6,971 | 3.12% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 56 | $16,720,000 | $298,571 | $8,039 | 3.08% |
| Key West, FL (FHA|USDA|VA) | 35 | $16,675,000 | $476,429 | $10,029 | 3.24% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 75 | $15,405,000 | $205,400 | $4,250 | 3.17% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 57 | $14,585,000 | $255,877 | $8,022 | 3.10% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 39 | $14,005,000 | $359,103 | $7,061 | 2.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 60 | $13,990,000 | $233,167 | $7,268 | 3.18% |
| BATON ROUGE, LA (FHA|USDA|VA) | 54 | $13,710,000 | $253,889 | $6,870 | 3.21% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 63 | $13,425,000 | $213,095 | $6,446 | 2.98% |
| RICHMOND, VA (FHA|USDA|VA) | 40 | $12,830,000 | $320,750 | $6,427 | 3.01% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 42 | $12,160,000 | $289,524 | $6,596 | 3.02% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 31 | $11,605,000 | $374,355 | $11,100 | 3.14% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 55 | $11,605,000 | $211,000 | $7,991 | 3.12% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 57 | $11,515,000 | $202,018 | $8,488 | 3.16% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 43 | $11,035,000 | $256,628 | $6,942 | 3.00% |
| DOVER, DE (FHA|USDA|VA) | 42 | $10,960,000 | $260,952 | $7,734 | 3.23% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 33 | $10,055,000 | $304,697 | $9,315 | 3.23% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 37 | $8,205,000 | $221,757 | $6,399 | 3.11% |
| Mount Airy, NC (FHA|USDA|VA) | 32 | $8,180,000 | $255,625 | $5,583 | 2.95% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 34 | $7,930,000 | $233,235 | $7,035 | 3.36% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 30 | $7,450,000 | $248,333 | $9,430 | 3.14% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 38 | $7,400,000 | $194,737 | $7,324 | 3.04% |
| READING, PA (FHA|USDA|VA) | 29 | $7,155,000 | $246,724 | $7,549 | 2.93% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 28 | $7,100,000 | $253,571 | $6,677 | 3.20% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 28 | $7,060,000 | $252,143 | $9,121 | 3.14% |
| Laconia, NH (FHA|USDA|VA) | 27 | $7,005,000 | $259,444 | $4,452 | 2.92% |
| COLUMBUS, OH (FHA|USDA|VA) | 24 | $6,250,000 | $260,417 | $5,632 | 3.27% |
| SAVANNAH, GA (FHA|USDA|VA) | 27 | $6,245,000 | $231,296 | $5,046 | 2.91% |
| St. Marys, GA (FHA|USDA|VA) | 26 | $6,150,000 | $236,538 | $5,493 | 2.91% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 18 | $5,950,000 | $330,556 | $7,981 | 3.01% |
| Indiana, PA (FHA|USDA|VA) | 35 | $5,765,000 | $164,714 | $6,575 | 2.59% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 20 | $5,620,000 | $281,000 | $8,382 | 3.08% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 27 | $5,315,000 | $196,852 | $8,424 | 3.27% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 15 | $5,295,000 | $353,000 | $5,337 | 3.10% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 19 | $5,015,000 | $263,947 | $7,536 | 3.07% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 16 | $4,670,000 | $291,875 | $7,158 | 2.79% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 16 | $4,430,000 | $276,875 | $8,437 | 3.12% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 16 | $4,310,000 | $269,375 | $9,036 | 2.99% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 11 | $4,285,000 | $389,545 | $7,912 | 3.40% |
| GREENVILLE, NC (FHA|USDA|VA) | 16 | $4,230,000 | $264,375 | $4,279 | 2.82% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 15 | $4,115,000 | $274,333 | $6,419 | 3.22% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 17 | $4,005,000 | $235,588 | $7,255 | 3.40% |
| Easton, MD (FHA|USDA|VA) | 9 | $3,855,000 | $428,333 | $7,775 | 3.18% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 14 | $3,800,000 | $271,429 | $7,319 | 3.05% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 17 | $3,795,000 | $223,235 | $8,873 | 3.16% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 11 | $3,775,000 | $343,182 | $6,610 | 3.30% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 18 | $3,750,000 | $208,333 | $5,568 | 3.08% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 16 | $3,610,000 | $225,625 | $8,090 | 3.09% |
| Bennington, VT (FHA|USDA|VA) | 10 | $3,520,000 | $352,000 | $5,382 | 2.84% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 18 | $3,260,000 | $181,111 | $7,816 | 3.26% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 16 | $3,230,000 | $201,875 | $6,908 | 3.26% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 13 | $3,145,000 | $241,923 | $7,572 | 3.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 14 | $3,120,000 | $222,857 | $6,856 | 3.20% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 13 | $3,065,000 | $235,769 | $8,202 | 3.17% |
| Vineyard Haven, MA (FHA|USDA|VA) | 5 | $2,915,000 | $583,000 | $11,027 | 3.25% |
| OCALA, FL (FHA|USDA|VA) | 13 | $2,895,000 | $222,692 | $6,337 | 3.25% |
| Pottsville, PA (FHA|USDA|VA) | 15 | $2,835,000 | $189,000 | $5,195 | 2.81% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 15 | $2,755,000 | $183,667 | $6,817 | 3.11% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 12 | $2,610,000 | $217,500 | $7,811 | 3.15% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 10 | $2,480,000 | $248,000 | $7,624 | 2.74% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $2,390,000 | $239,000 | $6,038 | 2.93% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 10 | $2,380,000 | $238,000 | $7,701 | 3.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $2,355,000 | $336,429 | $12,720 | 3.14% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 10 | $2,340,000 | $234,000 | $6,122 | 3.11% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 9 | $2,285,000 | $253,889 | $8,908 | 3.22% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 10 | $2,260,000 | $226,000 | $8,492 | 3.30% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $6,261 | 2.77% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 12 | $2,090,000 | $174,167 | $7,446 | 2.92% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $2,090,000 | $174,167 | $6,876 | 3.43% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 10 | $2,070,000 | $207,000 | $6,994 | 2.96% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 5 | $1,995,000 | $399,000 | $2,613 | 3.08% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 9 | $1,985,000 | $220,556 | $6,343 | 2.83% |
| GETTYSBURG, PA (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $9,103 | 2.98% |
| Berlin, NH (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $6,315 | 3.12% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $8,340 | 3.38% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $1,870,000 | $311,667 | $11,080 | 3.02% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $10,006 | 2.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $10,413 | 3.20% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 8 | $1,720,000 | $215,000 | $6,015 | 3.04% |
| COLUMBIA, SC (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $6,572 | 3.17% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $9,316 | 2.84% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $7,035 | 3.03% |
| Keene, NH (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $4,022 | 2.82% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,595,000 | $227,857 | $11,046 | 3.20% |
| Morehead City, NC (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $2,871 | 2.83% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $1,555,000 | $172,778 | $4,353 | 3.28% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $6,188 | 3.12% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $1,510,000 | $151,000 | $7,090 | 3.23% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $8,378 | 3.00% |
| New Castle, PA (FHA|USDA|VA) | 11 | $1,445,000 | $131,364 | $4,159 | 3.47% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $6,980 | 2.97% |
| Kinston, NC (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $3,887 | 2.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $8,119 | 3.17% |
| ALTOONA, PA (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $7,224 | 2.71% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $10,765 | 2.66% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $5,368 | 2.85% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 7 | $1,245,000 | $177,857 | $7,385 | 2.89% |
| Cambridge, MD (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $3,742 | 3.12% |
| YAKIMA, WA (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $6,417 | 3.04% |
| LYNCHBURG, VA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $3,842 | 2.98% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $6,436 | 2.84% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $13,199 | 3.09% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $8,225 | 3.35% |
| PITTSFIELD, MA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $7,246 | 3.28% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $5,234 | 3.08% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $9,504 | 3.28% |
| CHICO, CA (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $9,922 | 3.03% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $9,439 | 3.53% |
| Barre, VT (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $4,079 | 3.13% |
| MADISON, WI (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $7,077 | 3.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $10,020 | 3.06% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $7,388 | 3.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $6,027 | 3.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $8,796 | 3.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $10,499 | 3.03% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $4,967 | 3.21% |
| Centralia, WA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $9,936 | 3.08% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $8,788 | 2.94% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $5,614 | 2.97% |
| AKRON, OH (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $4,327 | 3.65% |
| BEND, OR (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $7,063 | 3.44% |
| Washington, NC (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $4,303 | 2.87% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $9,008 | 3.56% |
| GRANTS PASS, OR (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $8,051 | 3.19% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $5,685 | 3.12% |
| Rutland, VT (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $4,245 | 2.90% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $6,962 | 3.06% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $6,843 | 2.91% |
| Newport, OR (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $16,114 | 3.43% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $9,517 | 3.12% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $9,011 | 3.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $13,892 | 3.34% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $5,964 | 3.38% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $8,476 | 3.19% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $7,520 | 3.21% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,861 | 3.00% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $11,306 | 2.96% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $8,883 | 3.06% |
| Wilson, NC (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,222 | 3.31% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $16,279 | 3.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $6,789 | 3.12% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $5,585 | 3.15% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,597 | 3.04% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $7,123 | 3.04% |
| Sunbury, PA (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $5,578 | 3.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $9,666 | 3.25% |
| FLINT, MI (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $6,235 | 3.31% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $6,964 | 2.94% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $8,176 | 2.92% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $7,454 | 3.19% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,054 | 3.00% |
| Okeechobee, FL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,743 | 3.54% |
| DULUTH, MN-WI (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $6,628 | 2.84% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,991 | 3.63% |
| Plymouth, IN (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $7,160 | 2.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $5,695 | 3.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $8,105 | 2.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $4,448 | 3.03% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $8,416 | 3.25% |
| Payson, AZ (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $5,149 | 3.53% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $12,215 | 3.25% |
| Richmond-Berea, KY (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $3,953 | 2.84% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $8,167 | 3.50% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $6,080 | 3.04% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,990 | 2.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,578 | 3.62% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,775 | 2.93% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,828 | 2.88% |
| Sevierville, TN (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $8,585 | 3.08% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,465 | 3.56% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $8,545 | 3.50% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,588 | 2.06% |
| NAPA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $22,085 | 2.88% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,237 | 2.93% |
| Henderson, NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,519 | 2.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,749 | 3.19% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $7,175 | 3.08% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,635 | 3.17% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,024 | 3.31% |
| REDDING, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,672 | 3.12% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,502 | 2.56% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,455 | 2.96% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,188 | 3.31% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,582 | 2.69% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,396 | 3.25% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $4,530 | 2.69% |
| MERCED, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,436 | 3.18% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $12,043 | 2.99% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,207 | 2.99% |
| Palestine, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $14,050 | 3.75% |
| Marion, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $16,787 | 3.25% |
| Torrington, CT (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,495 | 3.13% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,063 | 3.12% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,447 | 2.75% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,224 | 2.93% |
| La Grande, OR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,968 | 3.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $6,510 | 3.04% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,217 | 3.31% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,788 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,886 | 2.99% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,384 | 2.94% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,545 | 3.44% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,929 | 2.81% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,873 | 2.88% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $9,074 | 2.88% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,716 | 3.44% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,901 | 3.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,712 | 3.00% |
| Palatka, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,110 | 3.31% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,808 | 3.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,139 | 3.31% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $10,440 | 3.06% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,173 | 3.18% |
| Somerset, KY (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,011 | 3.00% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,830 | 3.13% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,626 | 3.19% |
| Marion, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,355 | 3.25% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $7,450 | 3.13% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,773 | 2.75% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,999 | 3.56% |
| Somerset, PA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $5,026 | 3.04% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,683 | 3.38% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,811 | 2.50% |
| Brevard, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,892 | 3.00% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,030 | 2.87% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,400 | 3.63% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,396 | 2.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,917 | 3.25% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,388 | 2.88% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,977 | 2.75% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,050 | 3.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,363 | 3.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,551 | 3.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,449 | 3.25% |
| RACINE, WI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,460 | 3.56% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,211 | 2.99% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,195 | 3.18% |
| Houghton, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,489 | 3.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,006 | 2.99% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,414 | 2.99% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $13,428 | 2.99% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,280 | 2.88% |
| Newberry, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,096 | 3.25% |
| Astoria, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,054 | 2.88% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,394 | 2.50% |
| Durango, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,531 | 2.88% |
| Holland, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,981 | 2.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,384 | 3.38% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,251 | 3.25% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,799 | 3.25% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,240 | 2.88% |
| Forest City, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,156 | 3.38% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,849 | 2.99% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,447 | 2.50% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,904 | 2.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,727 | 3.63% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,011 | 3.25% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,613 | 2.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,821 | 3.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,357 | 3.00% |
| AMES, IA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,375 | 2.75% |
| Dublin, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,435 | 2.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,719 | 3.38% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,637 | 2.99% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,143 | 2.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,751 | 3.25% |
| Albertville, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,287 | 2.99% |
| DuBois, PA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,408 | 3.31% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,099 | 3.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,310 | 3.38% |
| MADERA, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,448 | 3.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,505 | 3.13% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,942 | 2.99% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,476 | 2.99% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,271 | 3.25% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,301 | 3.50% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,250 | 3.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,974 | 3.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.25% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,600 | 3.63% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,433 | 2.99% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,588 | 3.50% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,397 | 2.88% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,082 | 3.25% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,177 | 3.38% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,523 | 3.50% |
| Lake City, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,614 | 2.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,042 | 3.13% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,131 | 3.25% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,947 | 3.13% |
| Seneca, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,909 | 3.50% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,856 | 3.25% |
| Meridian, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,174 | 3.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,140 | 2.88% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,159 | 3.25% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,204 | 3.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,896 | 2.99% |
| ROME, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,669 | 3.13% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,743 | 3.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,050 | 3.25% |
| Winona, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,798 | 2.99% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,498 | 2.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,803 | 2.99% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,779 | 3.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,662 | 2.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,839 | 3.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,978 | 2.99% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,087 | 3.25% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,239 | 2.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,662 | 3.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,970 | 3.38% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,947 | 3.13% |
| Willmar, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,081 | 2.88% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,622 | 3.38% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,835 | 3.38% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,093 | 2.88% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,612 | 3.25% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,729 | 2.50% |
| Wooster, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,587 | 3.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,000 | 3.63% |
Emm Loans's top markets include Philadelphia, Boston, New York, Lebanon, and Baltimore among others.
Their top states include:Pennsylvania
(FHA|USDA|VA)
Massachusetts
(FHA|USDA|VA)
Florida
(FHA|USDA|VA)
New Jersey
(FHA|USDA|VA)
New Hampshire
(FHA|USDA|VA)
Their top states include:
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Product Mix
For 2021, Emm Loans's most frequently originated type of loan was Conventional, with 7,480 originations. Their 2nd most popular type was FHA, with 1,002 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 4,721 | $1,268,075,000 | $268,603 | $6,530 | 3.02% |
| Home Purchase | 4,246 | $1,190,810,000 | $280,455 | $6,499 | 3.03% |
For 2021, Emm Loans's most frequently cited loan purpose was Refi, with 4,721 originations. The 2nd most popular reason was Home Purchase, with 4,246 originations.
Loan Duration/Length
For 2021, Emm Loans's most frequently cited loan duration was 30 Year, with 7,588 originations. The 2nd most popular length was 15 Year, with 720 originations.
Origination Fees/Closing Costs
Emm Loans's average total fees were $6,825, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,926 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 4,077 | $1,157,105,000 | $283,813 |
| 3-4% | 3,707 | $1,015,705,000 | $273,996 |
| <2.5% | 990 | $239,980,000 | $242,404 |
| 4-5% | 193 | $46,095,000 | $238,834 |
During 2021, Emm Loans's average interest rate for loans was 3.12%, while their most frequently originated rate bucket for loans was 2.5-3%, with 4,077 originations.
Loan Sizing
2021 saw Emm Loans place emphasis on $200k-400k loans with 4,477 originations, totaling $1,260,345,000 in origination value.
Applicant Income
Emm Loans lent most frequently to those with incomes in the $50k-75k range, with 2,304 originations. The second most popular income band? $100k-150k, with 1,867 originations.
Applicant Debt to Income Ratio
Emm Loans lent most frequently to those with DTI ratios of 20-30%, with 1,721 originations. The next most common DTI ratio? 30-36%, with 1,569 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.70%
Emm Loans has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination77.36%
Emm Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 8,967 | $2,458,885,000 | $274,215 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 8,967 | $2,458,885,000 | $274,215 |