Emm Loans Mortgage Rates, Fees & Info
Cherry Hill, NJLEI: 549300EMNDEK4BA8WB53
Tax ID: 54-2070914
3 stars
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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. 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 in 2021-- chances are they are still one in 2022.
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 | 5.67% | 8/6/22 |
| 30 Year Conventional Refi | 5.71% | 8/6/22 |
| 30 Year FHA Purchase | 6.48% | 8/6/22 |
| 30 Year FHA Refi | 6.22% | 8/6/22 |
| 30 Year VA Purchase | 5.39% | 8/6/22 |
| 30 Year VA Refi | 5.27% | 8/6/22 |
| 30 Year USDA Purchase | 5.81% | 8/6/22 |
| 30 Year USDA Refi | 5.59% | 8/6/22 |
| 15 Year Conventional Purchase | 4.54% | 8/6/22 |
| 15 Year Conventional Refi | 4.71% | 8/6/22 |
| 15 Year Cash-out Refi | 4.71% | 8/6/22 |
| 15 Year FHA Refi | 4.26% | 8/6/22 |
| 15 Year VA Purchase | 5.32% | 8/6/22 |
| 15 Year VA Refi | 4.43% | 8/6/22 |
| 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
EMM LOANS is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Emm Loans 's average 30 year fixed rate mortgage of loans were
3.12%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.03%.
Relative Fees
Emm Loans 's average total fees for a 30 year fixed rate
mortgage are $6,825.
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
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.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional » | 7,480 | $2,060,500,000 | $275,468 | $5,916 | 3.03% |
| FHA » | 1,002 | $255,540,000 | $255,030 | $9,937 | 3.05% |
| VA » | 351 | $117,305,000 | $334,202 | $8,998 | 2.79% |
| USDA » | 134 | $25,540,000 | $190,597 | $6,233 | 2.87% |
For the 2021 period, Emm Loans 's most frequently originated loan type of loans were Conventional, with 7,480 originations. Their 2nd most popular type is FHA, with 1,002 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average 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 the 2021, Emm Loans 's most frequently cited loan purpose of loans were Refi, with 4,721 originations. The 2nd most popular reason of loans were Home Purchase, with 4,246 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year » | 7,588 | $2,139,690,000 | $281,983 | $6,825 | 3.12% |
| 15 Year » | 720 | $172,070,000 | $238,986 | $5,156 | 2.50% |
| 20 Year » | 383 | $97,475,000 | $254,504 | $5,344 | 2.86% |
| Other » | 148 | $38,050,000 | $257,095 | $4,775 | 2.74% |
| 10 Year » | 111 | $11,415,000 | $102,838 | $2,071 | 1.17% |
| 5 Year » | 17 | $185,000 | $10,882 | $1 | 0.00% |
For the 2021, Emm Loans 's most frequently cited loan length of loans were 30 Year, with 7,588 originations. The 2nd most popular length of loans were 15 Year, with 720 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k » | 2,926 | $753,080,000 | $257,375 |
| $5k+ » | 2,140 | $682,000,000 | $318,692 |
| $<1k » | 1,564 | $440,040,000 | $281,355 |
| $2k-3k » | 703 | $181,175,000 | $257,717 |
| $4k-5k » | 681 | $167,585,000 | $246,087 |
| $3k-4k » | 581 | $143,305,000 | $246,652 |
$6,825 of loans were Emm Loans 's average total fees, while their most frequently occuring range of origination fees 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 of loans were 3.12%, while their most frequently originated rate bucket of loans were 2.5-3%, with 4,077 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k » | 4,477 | $1,260,345,000 | $281,516 | $6,739 | 3.04% |
| $100k-200k » | 2,750 | $430,930,000 | $156,702 | $5,388 | 3.08% |
| $400k-600k » | 1,168 | $560,010,000 | $479,461 | $7,991 | 3.02% |
| $100,000 or less » | 316 | $17,900,000 | $56,646 | $2,598 | 2.24% |
| $600k-1MM » | 241 | $171,185,000 | $710,311 | $11,971 | 3.13% |
| $1MM+ » | 15 | $18,515,000 | $1,234,333 | $19,451 | 3.02% |
2021 saw Emm Loans place emphasis on $200k-400k loans with 4,477 originations, totaling $1,260,345,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k » | 2,304 | $498,840,000 | $216,510 | $6,330 | 3.01% |
| $100k-150k » | 1,867 | $590,935,000 | $316,516 | $6,724 | 3.05% |
| $75k-100k » | 1,544 | $413,000,000 | $267,487 | $6,687 | 3.04% |
| $50k or less » | 1,505 | $251,455,000 | $167,080 | $5,791 | 2.98% |
| $150k-250k » | 1,249 | $476,065,000 | $381,157 | $6,993 | 3.05% |
| $250k+ » | 498 | $228,590,000 | $459,016 | $7,278 | 3.03% |
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
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% » | 1,721 | $470,285,000 | $273,263 | $5,966 | 2.95% |
| 30-36% » | 1,569 | $431,825,000 | $275,223 | $6,094 | 3.04% |
| <20% » | 552 | $151,850,000 | $275,091 | $5,367 | 2.88% |
| 44% » | 456 | $121,500,000 | $266,447 | $6,980 | 3.11% |
| 43% » | 408 | $108,130,000 | $265,025 | $6,589 | 3.08% |
| 50-60% » | 387 | $109,715,000 | $283,501 | $10,382 | 3.00% |
| 42% » | 368 | $100,120,000 | $272,065 | $6,751 | 3.07% |
| 39% » | 366 | $98,600,000 | $269,399 | $6,575 | 3.09% |
| 41% » | 364 | $96,860,000 | $266,099 | $6,413 | 3.12% |
| 40% » | 340 | $89,990,000 | $264,676 | $6,496 | 3.04% |
| 37% » | 326 | $85,510,000 | $262,301 | $6,414 | 3.04% |
| 38% » | 322 | $90,740,000 | $281,801 | $6,746 | 3.03% |
| 36% » | 321 | $87,095,000 | $271,324 | $6,317 | 3.04% |
| 45% » | 306 | $84,910,000 | $277,484 | $6,634 | 3.06% |
| 49% » | 300 | $84,180,000 | $280,600 | $6,751 | 3.09% |
| 47% » | 278 | $80,870,000 | $290,899 | $7,014 | 3.05% |
| 48% » | 265 | $74,735,000 | $282,019 | $6,662 | 3.05% |
| 46% » | 245 | $69,785,000 | $284,837 | $7,041 | 3.09% |
| >60% » | 16 | $6,090,000 | $380,625 | $11,110 | 3.10% |
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
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White » | 7,235 | $1,960,745,000 | $271,008 | $6,407 | 3.01% |
| Not provided » | 808 | $244,150,000 | $302,166 | $6,450 | 3.04% |
| Black » | 610 | $158,460,000 | $259,770 | $7,732 | 3.13% |
| Asian » | 274 | $85,250,000 | $311,131 | $6,697 | 3.05% |
| American Indian » | 31 | $7,705,000 | $248,548 | $7,192 | 2.93% |
| Native Hawaiian or Islander » | 8 | $2,220,000 | $277,500 | $8,117 | 3.23% |
| Other Asian » | 1 | $355,000 | $355,000 | $17,889 | 3.13% |
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 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% » | 318 | $71,100,000 | $223,585 | $5,117 | 2.88% |
| 40-60% » | 1,465 | $370,015,000 | $252,570 | $5,906 | 2.92% |
| 60-80% » | 3,461 | $994,915,000 | $287,465 | $6,486 | 3.11% |
| 80-100% » | 3,532 | $983,270,000 | $278,389 | $6,868 | 3.06% |
| Over 100% » | 89 | $34,715,000 | $390,056 | $14,134 | 2.85% |
| Under 20% » | 102 | $4,870,000 | $47,745 | $970 | 0.79% |
