Emm Loans Mortgage Rates, Fees & Info
Cherry Hill, NJLEI: 549300EMNDEK4BA8WB53
Tax ID: 54-2070914
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Mortgage Data
Review & Overview
Emm Loans is a small mortgage company specializing in Home Purchase and Refi 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: Boston, Philadelphia, New York, Baltimore, and Pittsburgh among others. We have data for 339 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 an average 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 | 6.72% | 4/22/24 |
| 30 Year Conventional Refi | 6.74% | 4/22/24 |
| 30 Year FHA Purchase | 7.22% | 4/22/24 |
| 30 Year FHA Refi | 6.81% | 4/22/24 |
| 30 Year VA Purchase | 6.15% | 4/22/24 |
| 30 Year VA Refi | 6.28% | 4/22/24 |
| 30 Year USDA Purchase | 6.63% | 4/22/24 |
| 15 Year Conventional Purchase | 6.00% | 4/22/24 |
| 15 Year Conventional Refi | 6.20% | 4/22/24 |
| 15 Year Cash-out Refi | 6.20% | 4/22/24 |
| 15 Year FHA Refi | 7.04% | 4/22/24 |
| 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. | ||
Emm Loans Mortgage Calculator
Your Estimates
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This is not an official calculator from Emm Loans. 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
6,308Origination Dollar Volume (All Markets)
$1,512,800,000Awards
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EMM LOANS - 2019
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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 |
|---|---|---|---|---|---|
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 496 | $174,640,000 | $352,097 | $5,947 | 4.05% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 538 | $139,150,000 | $258,643 | $7,783 | 3.91% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 252 | $79,370,000 | $314,960 | $8,981 | 4.18% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 234 | $64,310,000 | $274,829 | $6,568 | 4.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 293 | $51,245,000 | $174,898 | $5,868 | 4.05% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 177 | $41,595,000 | $235,000 | $7,560 | 4.21% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 128 | $39,870,000 | $311,484 | $8,135 | 4.07% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 163 | $37,695,000 | $231,258 | $7,520 | 4.55% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 155 | $37,195,000 | $239,968 | $5,540 | 4.08% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 154 | $35,880,000 | $232,987 | $4,774 | 4.08% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 131 | $34,205,000 | $261,107 | $7,149 | 3.92% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 172 | $33,540,000 | $195,000 | $6,306 | 4.37% |
| Outside of Metro Areas | 189 | $32,855,000 | $173,836 | $5,331 | 4.04% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 116 | $31,840,000 | $274,483 | $7,167 | 4.00% |
| LANCASTER, PA (FHA|USDA|VA) | 144 | $30,840,000 | $214,167 | $6,601 | 4.01% |
| Lebanon, NH-VT (FHA|USDA|VA) | 128 | $30,740,000 | $240,156 | $4,029 | 3.91% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 102 | $30,130,000 | $295,392 | $4,914 | 4.04% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 105 | $26,775,000 | $255,000 | $5,510 | 3.90% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 68 | $19,830,000 | $291,618 | $5,202 | 3.94% |
| LEBANON, PA (FHA|USDA|VA) | 112 | $18,370,000 | $164,018 | $6,047 | 4.14% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 63 | $17,485,000 | $277,540 | $6,997 | 3.72% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 86 | $17,290,000 | $201,047 | $7,123 | 4.16% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 44 | $17,170,000 | $390,227 | $10,057 | 4.12% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 74 | $16,890,000 | $228,243 | $9,512 | 4.24% |
| LOUISVILLE, KY (FHA|USDA|VA) | 86 | $16,700,000 | $194,186 | $5,954 | 4.29% |
| BATON ROUGE, LA (FHA|USDA|VA) | 63 | $15,215,000 | $241,508 | $7,100 | 4.35% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 87 | $15,035,000 | $172,816 | $5,736 | 4.03% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 68 | $14,600,000 | $214,706 | $7,972 | 4.18% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 100 | $14,460,000 | $144,600 | $5,098 | 4.32% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 62 | $13,820,000 | $222,903 | $7,673 | 4.41% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 65 | $13,035,000 | $200,538 | $7,209 | 4.36% |
| Concord, NH (FHA|USDA|VA) | 47 | $11,625,000 | $247,340 | $5,133 | 3.85% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 36 | $10,860,000 | $301,667 | $11,161 | 4.14% |
| Mount Airy, NC (FHA|USDA|VA) | 61 | $10,455,000 | $171,393 | $4,060 | 4.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 49 | $9,555,000 | $195,000 | $8,420 | 4.37% |
| Key West, FL (FHA|USDA|VA) | 23 | $9,445,000 | $410,652 | $8,773 | 4.36% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 38 | $8,880,000 | $233,684 | $9,714 | 4.22% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 49 | $8,545,000 | $174,388 | $5,942 | 4.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 27 | $7,535,000 | $279,074 | $5,723 | 4.12% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 31 | $7,505,000 | $242,097 | $4,488 | 4.39% |
| COLUMBUS, OH (FHA|USDA|VA) | 33 | $7,325,000 | $221,970 | $5,008 | 4.12% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 31 | $7,155,000 | $230,806 | $6,971 | 4.44% |
| Enterprise, AL (FHA|USDA|VA) | 33 | $6,685,000 | $202,576 | $5,372 | 4.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 31 | $6,525,000 | $210,484 | $8,260 | 4.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 24 | $6,230,000 | $259,583 | $10,522 | 4.10% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 31 | $5,925,000 | $191,129 | $5,939 | 4.21% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 19 | $5,365,000 | $282,368 | $11,820 | 4.20% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 22 | $5,270,000 | $239,545 | $7,440 | 4.10% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 24 | $5,160,000 | $215,000 | $7,454 | 4.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 24 | $5,070,000 | $211,250 | $6,905 | 4.03% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 20 | $5,010,000 | $250,500 | $8,925 | 4.19% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 20 | $4,700,000 | $235,000 | $9,452 | 4.34% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 12 | $4,660,000 | $388,333 | $11,386 | 4.20% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $4,610,000 | $461,000 | $11,182 | 4.36% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 20 | $4,450,000 | $222,500 | $6,071 | 4.49% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 19 | $4,225,000 | $222,368 | $6,815 | 4.59% |
| Laconia, NH (FHA|USDA|VA) | 19 | $4,165,000 | $219,211 | $4,161 | 3.94% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 19 | $4,165,000 | $219,211 | $5,839 | 4.10% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 17 | $3,405,000 | $200,294 | $5,332 | 4.14% |
| RICHMOND, VA (FHA|USDA|VA) | 14 | $3,230,000 | $230,714 | $7,687 | 4.03% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $3,205,000 | $291,364 | $7,663 | 4.35% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 12 | $3,030,000 | $252,500 | $8,856 | 4.42% |
| ANN ARBOR, MI (FHA|USDA|VA) | 11 | $2,695,000 | $245,000 | $5,532 | 4.09% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $2,620,000 | $436,667 | $10,794 | 4.43% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 13 | $2,595,000 | $199,615 | $6,338 | 4.19% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 13 | $2,425,000 | $186,538 | $6,139 | 4.46% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 11 | $2,375,000 | $215,909 | $8,512 | 4.16% |
| DOVER, DE (FHA|USDA|VA) | 10 | $2,290,000 | $229,000 | $7,119 | 4.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $2,275,000 | $175,000 | $7,788 | 4.99% |
| READING, PA (FHA|USDA|VA) | 12 | $2,270,000 | $189,167 | $6,436 | 4.05% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $2,265,000 | $453,000 | $7,969 | 4.25% |
| Indiana, PA (FHA|USDA|VA) | 19 | $2,095,000 | $110,263 | $6,267 | 3.97% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 13 | $2,065,000 | $158,846 | $5,775 | 3.95% |
| TUCSON, AZ (FHA|USDA|VA) | 10 | $2,020,000 | $202,000 | $11,103 | 4.39% |
| FRESNO, CA (FHA|USDA|VA) | 9 | $1,885,000 | $209,444 | $8,257 | 4.37% |
| Richmond-Berea, KY (FHA|USDA|VA) | 14 | $1,840,000 | $131,429 | $5,206 | 4.67% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 8 | $1,810,000 | $226,250 | $8,732 | 4.30% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 10 | $1,770,000 | $177,000 | $8,638 | 4.39% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $1,660,000 | $166,000 | $5,944 | 4.44% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 8 | $1,600,000 | $200,000 | $9,370 | 4.13% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $1,595,000 | $227,857 | $8,785 | 4.11% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $7,629 | 4.48% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $9,427 | 4.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $1,530,000 | $191,250 | $5,104 | 4.30% |
| GREELEY, CO (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $10,825 | 4.05% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $8,400 | 4.64% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $1,435,000 | $205,000 | $7,595 | 4.05% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 10 | $1,390,000 | $139,000 | $5,597 | 4.21% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 8 | $1,340,000 | $167,500 | $8,579 | 3.48% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $14,592 | 4.15% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 6 | $1,240,000 | $206,667 | $7,478 | 4.40% |
| Ozark, AL (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $4,191 | 4.21% |
| JACKSON, MI (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $6,070 | 4.44% |
| ASHEVILLE, NC (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $8,768 | 4.20% |
| Torrington, CT (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $7,258 | 4.43% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $8,885 | 4.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $8,163 | 4.31% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $10,610 | 4.32% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $10,260 | 4.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $9,665 | 5.03% |
| Okeechobee, FL (FHA|USDA|VA) | 7 | $1,085,000 | $155,000 | $5,647 | 4.61% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $7,719 | 3.58% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $7,244 | 4.19% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $6,087 | 4.08% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $7,950 | 4.23% |
| New Castle, PA (FHA|USDA|VA) | 10 | $1,060,000 | $106,000 | $5,652 | 4.88% |
| Pottsville, PA (FHA|USDA|VA) | 9 | $1,035,000 | $115,000 | $4,538 | 3.83% |
| GREEN BAY, WI (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $8,975 | 4.45% |
| FLINT, MI (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $5,902 | 4.43% |
| REDDING, CA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $9,103 | 3.84% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $8,770 | 3.69% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $8,241 | 4.62% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 7 | $945,000 | $135,000 | $6,564 | 4.25% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $7,649 | 3.75% |
| SALEM, OR (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $8,891 | 4.40% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $900,000 | $150,000 | $7,787 | 4.08% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 7 | $885,000 | $126,429 | $6,821 | 4.29% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $6,363 | 3.65% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $9,252 | 4.53% |
| HAMMOND, LA (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $7,395 | 4.40% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $12,476 | 5.13% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,988 | 3.92% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $7,759 | 4.40% |
| Huntingdon, PA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,738 | 4.06% |
| HARRISONBURG, VA (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $4,457 | 4.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $10,308 | 4.46% |
| Keene, NH (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $4,358 | 3.90% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $10,942 | 4.03% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $10,152 | 4.22% |
| OCALA, FL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,657 | 4.94% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,003 | 4.50% |
| BEND, OR (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $10,731 | 4.04% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $9,521 | 4.21% |
| LONGVIEW, WA (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $9,151 | 4.09% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $8,566 | 3.93% |
| ROCKFORD, IL (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $6,287 | 4.19% |
| GETTYSBURG, PA (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $7,043 | 4.05% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $5,841 | 4.22% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $6,560 | 3.84% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $8,315 | 4.09% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $17,193 | 3.88% |
| Red Bluff, CA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $10,696 | 3.71% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $5,588 | 4.30% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,328 | 4.41% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $4,297 | 4.22% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,666 | 4.54% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $3,529 | 4.41% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $8,511 | 4.29% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $7,421 | 4.75% |
| DOTHAN, AL (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $6,042 | 4.43% |
| NAPA, CA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $14,026 | 3.93% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,166 | 4.13% |
| ALTOONA, PA (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $4,668 | 4.18% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $8,921 | 4.25% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $10,356 | 4.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $3,951 | 5.25% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $25,324 | 3.63% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $7,089 | 3.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $8,385 | 4.46% |
| BANGOR, ME (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $2,982 | 4.34% |
| AKRON, OH (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $8,384 | 4.71% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,823 | 4.13% |
| Sonora, CA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $7,594 | 4.42% |
| Somerset, PA (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $3,613 | 3.97% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $8,084 | 4.29% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $8,420 | 4.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $9,586 | 3.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $10,913 | 3.88% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $7,371 | 3.71% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $12,724 | 4.99% |
| Marion, OH (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $4,305 | 3.88% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $30,402 | 4.13% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,832 | 3.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,083 | 4.25% |
| Hutchinson, MN (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $6,953 | 4.54% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $8,255 | 4.46% |
| MONROE, MI (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,022 | 4.04% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,680 | 4.38% |
| Berlin, NH (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,551 | 3.91% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,549 | 4.31% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $10,746 | 4.38% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $7,129 | 4.21% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,723 | 3.81% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $10,486 | 3.81% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,428 | 4.31% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $5,708 | 4.21% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,678 | 6.00% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $10,907 | 4.13% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,060 | 3.81% |
| Palatka, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,743 | 4.13% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,069 | 4.44% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,788 | 4.69% |
| Boone, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,016 | 3.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,195 | 4.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $6,364 | 4.29% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $6,234 | 3.92% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,150 | 3.56% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,340 | 4.13% |
| MERCED, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,473 | 4.00% |
| Holland, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,905 | 3.94% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $6,286 | 3.33% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,862 | 4.00% |
| Hillsdale, MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $7,917 | 4.12% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,927 | 4.00% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,621 | 4.94% |
| Bardstown, KY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,249 | 4.25% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,843 | 3.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,595 | 3.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,060 | 4.94% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,406 | 4.50% |
| Adrian, MI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,238 | 4.31% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,728 | 4.38% |
| Starkville, MS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $15,911 | 4.38% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $8,391 | 4.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,647 | 3.81% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,911 | 4.00% |
| Amsterdam, NY (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,342 | 4.43% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,437 | 3.50% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,825 | 4.50% |
| MONROE, LA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,449 | 4.31% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,691 | 4.81% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,110 | 4.25% |
| Seneca, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,407 | 4.63% |
| Findlay, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,566 | 4.38% |
| Troy, AL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,731 | 4.13% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,314 | 4.44% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,510 | 3.88% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,612 | 4.75% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,660 | 3.63% |
| DuBois, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,621 | 3.88% |
| Shelton, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,661 | 3.63% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,988 | 4.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,730 | 4.25% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,066 | 4.13% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,713 | 3.75% |
| Barre, VT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,344 | 3.99% |
| Madison, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,083 | 5.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,842 | 4.56% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,418 | 4.50% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,734 | 4.88% |
| Winona, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,259 | 5.63% |
| Bennington, VT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,799 | 3.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,731 | 4.00% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,503 | 3.63% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,187 | 3.99% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,732 | 4.63% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,271 | 3.88% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,917 | 4.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,159 | 4.75% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,926 | 5.75% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,390 | 4.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,232 | 4.38% |
| Picayune, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,049 | 5.63% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,101 | 3.99% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,217 | 3.38% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,475 | 4.13% |
| Washington, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,134 | 4.00% |
| Wooster, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,098 | 3.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,302 | 3.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,832 | 5.75% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,017 | 4.75% |
| Rutland, VT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,878 | 4.50% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,186 | 4.13% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,404 | 5.63% |
| MADISON, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,653 | 4.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,753 | 4.63% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $14,623 | 3.88% |
| MADERA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,292 | 3.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,760 | 4.75% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $14,499 | 3.50% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,019 | 4.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,261 | 4.63% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,173 | 4.50% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,130 | 4.13% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,925 | 4.00% |
| CHICO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,934 | 4.75% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,135 | 4.50% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,637 | 5.38% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,303 | 3.63% |
| ERIE, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,067 | 3.63% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,864 | 4.13% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,484 | 3.88% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,779 | 3.63% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,246 | 4.13% |
| Othello, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,395 | 4.63% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,848 | 4.00% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,774 | 4.50% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,416 | 4.25% |
| Peru, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,983 | 3.63% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,155 | 4.25% |
| AMES, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,794 | 3.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,209 | 3.63% |
| Jacksonville, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,493 | 4.50% |
| RACINE, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,063 | 3.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,037 | 5.13% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,408 | 4.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,209 | 3.88% |
| Sayre, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,405 | 4.13% |
| Danville, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,355 | 4.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,909 | 4.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,152 | 4.13% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,835 | 3.75% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,809 | 3.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,924 | 3.63% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,105 | 5.13% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,987 | 5.13% |
| Shelby, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,318 | 4.13% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,042 | 5.25% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,488 | 4.63% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,818 | 4.13% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,372 | 3.50% |
| Hood River, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,443 | 4.75% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,747 | 4.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,021 | 4.13% |
| Cordele, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,595 | 3.63% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,680 | 4.13% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,492 | 3.63% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.75% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,187 | 4.13% |
| London, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,237 | 3.50% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,674 | 3.88% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,666 | 3.88% |
| New Castle, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,085 | 5.50% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,543 | 4.88% |
| Oil City, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,647 | 4.63% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,323 | 5.13% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $3,534 | 4.50% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,141 | 4.88% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,099 | 4.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,049 | 4.25% |
| Selinsgrove, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,829 | 3.75% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,639 | 4.50% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,948 | 3.75% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,610 | 4.50% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,934 | 4.63% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,051 | 4.13% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,899 | 4.88% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $5,180 | 4.13% |
| Warren, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,819 | 4.63% |
Emm Loans's top markets include Boston, Philadelphia, New York, Baltimore, and Pittsburgh among others.
Their top states include:Pennsylvania
(FHA|USDA|VA)
Massachusetts
(FHA|USDA|VA)
Florida
(FHA|USDA|VA)
New Hampshire
(FHA|USDA|VA)
New Jersey
(FHA|USDA|VA)
Their top states include:
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HOLYOKE
Similarity Rank: 132
Similarity Rank: 132
Product Mix
For 2019, Emm Loans's most frequently originated type of loan was Conventional, with 3,845 originations. Their 2nd most popular type was FHA, with 1,836 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 3,532 | $826,940,000 | $234,128 | $6,357 | 4.14% |
| Refi | 2,776 | $685,860,000 | $247,068 | $7,360 | 4.11% |
For 2019, Emm Loans's most frequently cited loan purpose was Home Purchase, with 3,532 originations. The 2nd most popular reason was Refi, with 2,776 originations.
Loan Duration/Length
For 2019, Emm Loans's most frequently cited loan duration was 30 Year, with 5,605 originations. The 2nd most popular length was 15 Year, with 383 originations.
Origination Fees/Closing Costs
Emm Loans's average total fees were $6,974, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,964 originations.
Interest Rates
During 2019, Emm Loans's average interest rate for loans was 4.19%, while their most frequently originated rate bucket for loans was 3-4%, with 3,277 originations.
Loan Sizing
2019 saw Emm Loans place emphasis on $200k-400k loans with 3,021 originations, totaling $834,125,000 in origination value.
Applicant Income
Emm Loans lent most frequently to those with incomes in the $50k-75k range, with 1,756 originations. The second most popular income band? $50k or less, with 1,344 originations.
Applicant Debt to Income Ratio
Emm Loans lent most frequently to those with DTI ratios of 20-30%, with 2,204 originations. The next most common DTI ratio? <20%, with 1,786 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.82%
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 origination83.05%
Emm Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,308 | $1,512,800,000 | $239,822 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 1 | $285,000 | $285,000 |
| Single Family (1-4 Units):Site-Built | 6,307 | $1,512,515,000 | $239,815 |