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 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: Boston, Philadelphia, New York, Baltimore, and Pittsburgh among others. We have data for 369 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% | 5/5/24 |
| 30 Year Conventional Refi | 6.74% | 5/5/24 |
| 30 Year FHA Purchase | 7.22% | 5/5/24 |
| 30 Year FHA Refi | 6.81% | 5/5/24 |
| 30 Year VA Purchase | 6.15% | 5/5/24 |
| 30 Year VA Refi | 6.28% | 5/5/24 |
| 30 Year USDA Purchase | 6.63% | 5/5/24 |
| 15 Year Conventional Purchase | 6.00% | 5/5/24 |
| 15 Year Conventional Refi | 6.20% | 5/5/24 |
| 15 Year Cash-out Refi | 6.20% | 5/5/24 |
| 15 Year FHA Refi | 7.04% | 5/5/24 |
| 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
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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
11,142Origination Dollar Volume (All Markets)
$2,973,500,000Awards
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EMM LOANS - 2020
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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) | 1,195 | $439,915,000 | $368,130 | $5,991 | 3.30% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1,226 | $346,870,000 | $282,928 | $7,753 | 3.20% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 583 | $199,715,000 | $342,564 | $8,198 | 3.29% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 495 | $145,745,000 | $294,434 | $6,675 | 3.31% |
| PITTSBURGH, PA (FHA|USDA|VA) | 487 | $94,735,000 | $194,528 | $5,472 | 3.05% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 321 | $82,855,000 | $258,115 | $4,925 | 3.22% |
| Lebanon, NH-VT (FHA|USDA|VA) | 286 | $75,550,000 | $264,161 | $4,233 | 3.21% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 222 | $75,520,000 | $340,180 | $8,709 | 3.28% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 253 | $66,885,000 | $264,368 | $7,301 | 3.17% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 256 | $65,870,000 | $257,305 | $6,749 | 3.19% |
| Outside of Metro Areas | 292 | $61,070,000 | $209,144 | $5,265 | 3.24% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 230 | $61,000,000 | $265,217 | $6,811 | 3.09% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 194 | $54,960,000 | $283,299 | $6,394 | 3.23% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 209 | $54,385,000 | $260,215 | $4,109 | 3.47% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 251 | $53,545,000 | $213,327 | $5,451 | 3.20% |
| LANCASTER, PA (FHA|USDA|VA) | 235 | $53,415,000 | $227,298 | $5,881 | 3.11% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 195 | $53,395,000 | $273,821 | $6,004 | 3.34% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 129 | $39,035,000 | $302,597 | $4,827 | 3.41% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 137 | $36,845,000 | $268,942 | $7,200 | 3.30% |
| LOUISVILLE, KY (FHA|USDA|VA) | 176 | $35,760,000 | $203,182 | $4,760 | 3.32% |
| LEBANON, PA (FHA|USDA|VA) | 186 | $32,510,000 | $174,785 | $6,021 | 3.14% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 121 | $30,275,000 | $250,207 | $5,245 | 3.30% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 134 | $29,600,000 | $220,896 | $6,052 | 3.10% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 119 | $26,375,000 | $221,639 | $7,793 | 3.52% |
| BATON ROUGE, LA (FHA|USDA|VA) | 107 | $25,095,000 | $234,533 | $6,654 | 3.34% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 105 | $25,015,000 | $238,238 | $7,233 | 3.33% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 78 | $24,680,000 | $316,410 | $5,572 | 3.31% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 104 | $23,430,000 | $225,288 | $7,186 | 3.40% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 84 | $21,050,000 | $250,595 | $7,808 | 3.64% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 66 | $20,980,000 | $317,879 | $8,648 | 3.30% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 67 | $20,275,000 | $302,612 | $6,052 | 3.06% |
| Concord, NH (FHA|USDA|VA) | 79 | $19,695,000 | $249,304 | $4,986 | 3.37% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 58 | $18,350,000 | $316,379 | $6,003 | 3.21% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 89 | $17,315,000 | $194,551 | $6,396 | 3.29% |
| COLUMBUS, OH (FHA|USDA|VA) | 68 | $16,720,000 | $245,882 | $5,442 | 3.47% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 69 | $15,545,000 | $225,290 | $6,121 | 3.22% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 59 | $15,045,000 | $255,000 | $8,998 | 3.26% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 67 | $14,915,000 | $222,612 | $7,193 | 3.29% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 50 | $13,270,000 | $265,400 | $9,324 | 3.32% |
| Key West, FL (FHA|USDA|VA) | 31 | $12,655,000 | $408,226 | $9,491 | 3.57% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 53 | $12,255,000 | $231,226 | $5,564 | 3.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 45 | $11,625,000 | $258,333 | $7,530 | 3.28% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 52 | $11,590,000 | $222,885 | $7,002 | 3.22% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 54 | $10,710,000 | $198,333 | $8,236 | 3.34% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 40 | $9,940,000 | $248,500 | $6,271 | 3.28% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 42 | $9,930,000 | $236,429 | $6,492 | 3.47% |
| Mount Airy, NC (FHA|USDA|VA) | 46 | $9,830,000 | $213,696 | $4,982 | 3.35% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 38 | $9,460,000 | $248,947 | $8,016 | 3.62% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 56 | $9,140,000 | $163,214 | $5,366 | 3.81% |
| DOVER, DE (FHA|USDA|VA) | 34 | $8,470,000 | $249,118 | $7,423 | 3.24% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 35 | $8,405,000 | $240,143 | $8,322 | 3.42% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 21 | $8,265,000 | $393,571 | $8,500 | 3.36% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 30 | $8,200,000 | $273,333 | $6,837 | 3.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 29 | $7,585,000 | $261,552 | $9,035 | 3.38% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 30 | $7,410,000 | $247,000 | $7,720 | 3.29% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 37 | $7,395,000 | $199,865 | $8,100 | 3.49% |
| Laconia, NH (FHA|USDA|VA) | 32 | $7,280,000 | $227,500 | $5,932 | 3.34% |
| READING, PA (FHA|USDA|VA) | 32 | $7,130,000 | $222,813 | $7,213 | 3.29% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 22 | $5,250,000 | $238,636 | $10,059 | 3.30% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 21 | $5,105,000 | $243,095 | $7,382 | 3.24% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 19 | $4,995,000 | $262,895 | $7,645 | 3.44% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 24 | $4,980,000 | $207,500 | $6,026 | 3.30% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 13 | $4,575,000 | $351,923 | $12,293 | 3.11% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 16 | $4,380,000 | $273,750 | $4,509 | 3.16% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 22 | $4,300,000 | $195,455 | $7,382 | 3.49% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 17 | $4,225,000 | $248,529 | $7,439 | 3.25% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 21 | $4,165,000 | $198,333 | $5,942 | 3.28% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 18 | $3,680,000 | $204,444 | $6,767 | 3.47% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 20 | $3,640,000 | $182,000 | $6,567 | 3.71% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 21 | $3,505,000 | $166,905 | $5,845 | 3.27% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 14 | $3,340,000 | $238,571 | $6,929 | 3.38% |
| Indiana, PA (FHA|USDA|VA) | 25 | $3,245,000 | $129,800 | $6,208 | 3.22% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 10 | $3,210,000 | $321,000 | $9,360 | 3.27% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 19 | $3,185,000 | $167,632 | $6,498 | 3.48% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 15 | $3,165,000 | $211,000 | $7,302 | 3.38% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 15 | $3,145,000 | $209,667 | $9,435 | 3.53% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 13 | $3,095,000 | $238,077 | $9,376 | 3.65% |
| STOCKTON, CA (FHA|USDA|VA) | 14 | $3,030,000 | $216,429 | $7,185 | 3.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 13 | $3,015,000 | $231,923 | $6,461 | 3.51% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 14 | $2,910,000 | $207,857 | $6,629 | 3.39% |
| Cambridge, MD (FHA|USDA|VA) | 11 | $2,775,000 | $252,273 | $6,298 | 3.26% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 14 | $2,770,000 | $197,857 | $8,244 | 3.21% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 9 | $2,755,000 | $306,111 | $9,258 | 3.47% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $2,510,000 | $313,750 | $6,389 | 3.14% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 11 | $2,495,000 | $226,818 | $5,967 | 3.15% |
| Keene, NH (FHA|USDA|VA) | 11 | $2,455,000 | $223,182 | $4,782 | 3.32% |
| MODESTO, CA (FHA|USDA|VA) | 10 | $2,430,000 | $243,000 | $10,104 | 3.30% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 13 | $2,415,000 | $185,769 | $6,466 | 3.58% |
| TUCSON, AZ (FHA|USDA|VA) | 12 | $2,350,000 | $195,833 | $7,439 | 3.30% |
| SAVANNAH, GA (FHA|USDA|VA) | 8 | $2,350,000 | $293,750 | $6,631 | 3.20% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 9 | $2,325,000 | $258,333 | $9,788 | 3.38% |
| GREENVILLE, NC (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $3,238 | 2.91% |
| Pottsville, PA (FHA|USDA|VA) | 12 | $2,260,000 | $188,333 | $5,361 | 3.23% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $8,263 | 3.20% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $2,235,000 | $319,286 | $9,479 | 3.13% |
| RICHMOND, VA (FHA|USDA|VA) | 10 | $2,180,000 | $218,000 | $5,776 | 3.74% |
| BEND, OR (FHA|USDA|VA) | 8 | $1,990,000 | $248,750 | $9,323 | 3.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 8 | $1,970,000 | $246,250 | $8,837 | 3.59% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $1,935,000 | $215,000 | $6,299 | 3.26% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $1,910,000 | $191,000 | $7,334 | 3.31% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 9 | $1,905,000 | $211,667 | $9,526 | 3.15% |
| SALEM, OR (FHA|USDA|VA) | 8 | $1,840,000 | $230,000 | $8,793 | 3.26% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $8,298 | 3.53% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $11,720 | 3.21% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $8,368 | 3.02% |
| ANN ARBOR, MI (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $6,159 | 3.31% |
| ASHEVILLE, NC (FHA|USDA|VA) | 9 | $1,725,000 | $191,667 | $7,453 | 3.57% |
| ROCHESTER, NY (FHA|USDA|VA) | 9 | $1,705,000 | $189,444 | $8,788 | 3.24% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $6,151 | 3.21% |
| FORT COLLINS, CO (FHA|USDA|VA) | 7 | $1,635,000 | $233,571 | $9,799 | 3.23% |
| MONTGOMERY, AL (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $8,906 | 2.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 8 | $1,600,000 | $200,000 | $6,002 | 3.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $7,286 | 3.69% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 11 | $1,585,000 | $144,091 | $4,413 | 3.63% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $1,580,000 | $197,500 | $8,463 | 3.50% |
| Bennington, VT (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $4,835 | 3.31% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,565,000 | $223,571 | $6,291 | 3.27% |
| Georgetown, SC (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $7,092 | 3.02% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $7,874 | 3.25% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $8,208 | 3.10% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $7,347 | 3.14% |
| Kinston, NC (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $3,812 | 3.10% |
| Whitewater, WI (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $9,659 | 3.52% |
| Alexander City, AL (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $6,812 | 3.13% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $8,138 | 3.33% |
| St. Marys, GA (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $6,939 | 3.10% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $8,347 | 3.00% |
| GRANTS PASS, OR (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $9,410 | 3.19% |
| New Castle, PA (FHA|USDA|VA) | 10 | $1,340,000 | $134,000 | $6,227 | 3.54% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $6,083 | 3.35% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $8,059 | 3.25% |
| AKRON, OH (FHA|USDA|VA) | 7 | $1,315,000 | $187,857 | $8,060 | 3.36% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $7,314 | 3.53% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $1,310,000 | $655,000 | $8,726 | 4.69% |
| BELLINGHAM, WA (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $7,857 | 3.10% |
| Enterprise, AL (FHA|USDA|VA) | 8 | $1,270,000 | $158,750 | $3,681 | 3.98% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $1,255,000 | $179,286 | $7,564 | 3.20% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 8 | $1,240,000 | $155,000 | $5,338 | 3.58% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $6,200 | 2.94% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $8,622 | 3.38% |
| GETTYSBURG, PA (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $6,475 | 3.17% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $8,110 | 3.18% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $6,442 | 3.10% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $11,378 | 3.19% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 8 | $1,120,000 | $140,000 | $5,660 | 3.23% |
| Morehead City, NC (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $6,941 | 3.16% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $8,674 | 3.64% |
| REDDING, CA (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $6,531 | 3.50% |
| Astoria, OR (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $9,665 | 3.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $6,366 | 3.25% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $10,665 | 3.59% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $14,527 | 3.58% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $6,667 | 3.67% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $5,636 | 3.13% |
| Berlin, NH (FHA|USDA|VA) | 6 | $1,000,000 | $166,667 | $4,724 | 3.54% |
| ALTOONA, PA (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $7,624 | 3.23% |
| OCALA, FL (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $5,120 | 3.16% |
| ROCHESTER, MN (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $8,006 | 3.95% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $8,187 | 3.62% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $5,792 | 3.35% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $6,298 | 3.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $7,947 | 3.10% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $10,438 | 3.83% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $10,241 | 3.50% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $8,615 | 3.70% |
| Payson, AZ (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $9,915 | 4.21% |
| MADISON, WI (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $7,826 | 3.15% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $7,273 | 3.53% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $9,832 | 3.43% |
| ST. CLOUD, MN (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $8,786 | 3.13% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $10,637 | 4.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $7,220 | 3.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $9,312 | 3.08% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $4,795 | 3.28% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $8,450 | 3.88% |
| Easton, MD (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $8,625 | 3.96% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $16,789 | 3.50% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $9,087 | 3.33% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $8,723 | 3.83% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,045 | 3.21% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $7,533 | 3.13% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $5,127 | 3.31% |
| Rutland, VT (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $3,946 | 3.43% |
| FLINT, MI (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $8,181 | 3.09% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $7,457 | 3.63% |
| Barre, VT (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,026 | 2.96% |
| Newport, OR (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $11,343 | 3.25% |
| PITTSFIELD, MA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,267 | 3.04% |
| Washington, NC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,610 | 2.94% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $4,888 | 2.84% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $6,810 | 3.33% |
| Shelton, WA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $9,652 | 3.16% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $9,282 | 3.19% |
| Holland, MI (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $8,154 | 2.87% |
| Torrington, CT (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $10,118 | 3.94% |
| IOWA CITY, IA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,543 | 3.58% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $5,837 | 3.81% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $6,701 | 3.50% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $12,193 | 3.06% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,175 | 3.54% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $7,984 | 2.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $9,770 | 3.33% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,707 | 3.06% |
| Centralia, WA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $12,599 | 3.81% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $7,748 | 3.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,762 | 3.19% |
| Sterling, CO (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,691 | 2.87% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,069 | 3.06% |
| Hood River, OR (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $9,016 | 3.75% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,156 | 2.94% |
| NILES, MI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,376 | 3.44% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,731 | 3.00% |
| Seneca, SC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,512 | 3.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $10,518 | 3.19% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,500 | 3.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,728 | 3.25% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,374 | 2.81% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $16,911 | 3.63% |
| Huntingdon, PA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,203 | 3.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,576 | 2.63% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,171 | 4.04% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,243 | 2.94% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $9,690 | 3.63% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,236 | 3.19% |
| TYLER, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,885 | 3.56% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,988 | 3.50% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,948 | 2.81% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $14,374 | 2.50% |
| Wilson, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,982 | 2.99% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,222 | 3.75% |
| Crossville, TN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $9,706 | 3.88% |
| CHICO, CA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $5,248 | 3.71% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $6,882 | 3.46% |
| Somerset, PA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,348 | 2.81% |
| Forest City, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,778 | 3.31% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,822 | 4.54% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,592 | 3.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,458 | 3.81% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $9,469 | 4.25% |
| AMES, IA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,076 | 3.31% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,745 | 3.18% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,464 | 3.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,145 | 2.87% |
| RACINE, WI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $10,418 | 3.38% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,342 | 3.44% |
| Ruston, LA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,836 | 3.25% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,230 | 3.19% |
| Palestine, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,863 | 4.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,082 | 3.56% |
| Scottsburg, IN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,335 | 2.94% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,158 | 3.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $9,791 | 3.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,311 | 3.56% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,498 | 4.00% |
| Brevard, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,548 | 3.13% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,271 | 3.63% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,752 | 2.56% |
| Beaver Dam, WI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $9,310 | 3.63% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,830 | 3.00% |
| Muscatine, IA (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $5,346 | 3.92% |
| Frankfort, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,537 | 3.75% |
| MERCED, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,272 | 3.50% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,015 | 3.56% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,273 | 2.88% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,454 | 3.25% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,584 | 2.81% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,516 | 3.19% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,326 | 3.63% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,036 | 3.38% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,864 | 3.25% |
| Ozark, AL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,419 | 3.19% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $4,191 | 2.54% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,051 | 3.63% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,790 | 3.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 5.50% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $7,045 | 3.75% |
| Troy, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,939 | 3.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,358 | 2.99% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,533 | 2.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,386 | 3.38% |
| Fairmont, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,783 | 2.25% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,522 | 4.13% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,938 | 3.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,526 | 3.13% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,385 | 3.00% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,431 | 3.13% |
| Shelby, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,534 | 3.50% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,710 | 3.38% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,069 | 2.88% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,944 | 3.63% |
| Warren, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,832 | 4.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $13,190 | 2.88% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,051 | 2.99% |
| Athens, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,304 | 2.38% |
| Sayre, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,627 | 2.88% |
| Picayune, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,542 | 3.63% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,964 | 3.63% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,255 | 2.88% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,889 | 2.50% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,989 | 3.63% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,532 | 2.99% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,784 | 3.63% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,976 | 3.50% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,777 | 2.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,620 | 3.38% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,172 | 2.99% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,166 | 3.75% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,678 | 3.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,488 | 2.88% |
| ERIE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,948 | 2.63% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,715 | 2.99% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,984 | 3.63% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,408 | 2.88% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,524 | 2.99% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,403 | 3.63% |
| Salem, OH (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,347 | 4.25% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,110 | 4.13% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,382 | 3.63% |
| Bardstown, KY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,262 | 4.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,508 | 3.13% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,555 | 3.88% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,593 | 3.13% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,580 | 3.75% |
| DuBois, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,949 | 3.00% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,365 | 3.99% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,831 | 3.63% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,367 | 3.50% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,830 | 3.25% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,622 | 2.99% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,539 | 3.00% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,390 | 3.99% |
| Marion, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,309 | 3.38% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,242 | 3.13% |
| Wabash, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,144 | 3.50% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,481 | 3.13% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,707 | 3.50% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,179 | 3.63% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,429 | 4.13% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,260 | 3.25% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,122 | 2.25% |
| Waycross, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,762 | 3.00% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,591 | 3.63% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $4,555 | 3.81% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,956 | 3.63% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,267 | 3.50% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,584 | 3.63% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,516 | 3.50% |
| Craig, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,304 | 4.00% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,030 | 3.13% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,077 | 3.38% |
| Sonora, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,570 | 2.99% |
| Alpena, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,739 | 3.38% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,882 | 3.63% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,358 | 4.75% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,554 | 3.88% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,051 | 2.88% |
| MONROE, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,893 | 3.50% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,856 | 3.13% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,066 | 3.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,408 | 3.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,813 | 3.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,363 | 3.25% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,681 | 3.13% |
| Shawano, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,965 | 3.99% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,451 | 2.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,597 | 2.88% |
| Alma, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,767 | 4.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,990 | 3.63% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,411 | 3.63% |
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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Product Mix
For 2020, Emm Loans's most frequently originated type of loan was Conventional, with 8,865 originations. Their 2nd most popular type was FHA, with 1,514 originations.
Loan Reason
For 2020, Emm Loans's most frequently cited loan purpose was Refi, with 6,548 originations. The 2nd most popular reason was Home Purchase, with 4,591 originations.
Loan Duration/Length
For 2020, Emm Loans's most frequently cited loan duration was 30 Year, with 9,268 originations. The 2nd most popular length was 15 Year, with 994 originations.
Origination Fees/Closing Costs
Emm Loans's average total fees were $6,886, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,148 originations.
Interest Rates
During 2020, Emm Loans's average interest rate for loans was 3.34%, while their most frequently originated rate bucket for loans was 3-4%, with 6,401 originations.
Loan Sizing
2020 saw Emm Loans place emphasis on $200k-400k loans with 6,012 originations, totaling $1,684,850,000 in origination value.
Applicant Income
Emm Loans lent most frequently to those with incomes in the $50k-75k range, with 2,755 originations. The second most popular income band? $100k-150k, with 2,302 originations.
Applicant Debt to Income Ratio
Emm Loans lent most frequently to those with DTI ratios of 20-30%, with 4,000 originations. The next most common DTI ratio? <20%, with 3,870 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.83%
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 origination80.54%
Emm Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 11,142 | $2,973,500,000 | $266,873 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 17 | $2,215,000 | $130,294 |
| Single Family (1-4 Units):Site-Built | 11,125 | $2,971,285,000 | $267,082 |