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: 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 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% | 12/17/24 |
| 30 Year Conventional Refi | 6.74% | 12/17/24 |
| 30 Year FHA Purchase | 7.22% | 12/17/24 |
| 30 Year FHA Refi | 6.81% | 12/17/24 |
| 30 Year VA Purchase | 6.15% | 12/17/24 |
| 30 Year VA Refi | 6.28% | 12/17/24 |
| 30 Year USDA Purchase | 6.63% | 12/17/24 |
| 15 Year Conventional Purchase | 6.00% | 12/17/24 |
| 15 Year Conventional Refi | 6.20% | 12/17/24 |
| 15 Year Cash-out Refi | 6.20% | 12/17/24 |
| 15 Year FHA Refi | 7.04% | 12/17/24 |
| 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
8,967Origination Dollar Volume (All Markets)
$2,458,885,000Awards
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EMM LOANS - 2021
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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 |
|---|---|---|---|---|---|
| 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, KY (FHA|USDA|VA) | 75 | $15,405,000 | $205,400 | $4,250 | 3.17% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 57 | $14,585,000 | $255,877 | $8,022 | 3.10% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 39 | $14,005,000 | $359,103 | $7,061 | 2.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 60 | $13,990,000 | $233,167 | $7,268 | 3.18% |
| BATON ROUGE, LA (FHA|USDA|VA) | 54 | $13,710,000 | $253,889 | $6,870 | 3.21% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 63 | $13,425,000 | $213,095 | $6,446 | 2.98% |
| RICHMOND, VA (FHA|USDA|VA) | 40 | $12,830,000 | $320,750 | $6,427 | 3.01% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 42 | $12,160,000 | $289,524 | $6,596 | 3.02% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 31 | $11,605,000 | $374,355 | $11,100 | 3.14% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 55 | $11,605,000 | $211,000 | $7,991 | 3.12% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 57 | $11,515,000 | $202,018 | $8,488 | 3.16% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 43 | $11,035,000 | $256,628 | $6,942 | 3.00% |
| DOVER, DE (FHA|USDA|VA) | 42 | $10,960,000 | $260,952 | $7,734 | 3.23% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 33 | $10,055,000 | $304,697 | $9,315 | 3.23% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 37 | $8,205,000 | $221,757 | $6,399 | 3.11% |
| Mount Airy, NC (FHA|USDA|VA) | 32 | $8,180,000 | $255,625 | $5,583 | 2.95% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 34 | $7,930,000 | $233,235 | $7,035 | 3.36% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 30 | $7,450,000 | $248,333 | $9,430 | 3.14% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 38 | $7,400,000 | $194,737 | $7,324 | 3.04% |
| READING, PA (FHA|USDA|VA) | 29 | $7,155,000 | $246,724 | $7,549 | 2.93% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 28 | $7,100,000 | $253,571 | $6,677 | 3.20% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 28 | $7,060,000 | $252,143 | $9,121 | 3.14% |
| Laconia, NH (FHA|USDA|VA) | 27 | $7,005,000 | $259,444 | $4,452 | 2.92% |
| COLUMBUS, OH (FHA|USDA|VA) | 24 | $6,250,000 | $260,417 | $5,632 | 3.27% |
| SAVANNAH, GA (FHA|USDA|VA) | 27 | $6,245,000 | $231,296 | $5,046 | 2.91% |
| St. Marys, GA (FHA|USDA|VA) | 26 | $6,150,000 | $236,538 | $5,493 | 2.91% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 18 | $5,950,000 | $330,556 | $7,981 | 3.01% |
| Indiana, PA (FHA|USDA|VA) | 35 | $5,765,000 | $164,714 | $6,575 | 2.59% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 20 | $5,620,000 | $281,000 | $8,382 | 3.08% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 27 | $5,315,000 | $196,852 | $8,424 | 3.27% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 15 | $5,295,000 | $353,000 | $5,337 | 3.10% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 19 | $5,015,000 | $263,947 | $7,536 | 3.07% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 16 | $4,670,000 | $291,875 | $7,158 | 2.79% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 16 | $4,430,000 | $276,875 | $8,437 | 3.12% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 16 | $4,310,000 | $269,375 | $9,036 | 2.99% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 11 | $4,285,000 | $389,545 | $7,912 | 3.40% |
| GREENVILLE, NC (FHA|USDA|VA) | 16 | $4,230,000 | $264,375 | $4,279 | 2.82% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 15 | $4,115,000 | $274,333 | $6,419 | 3.22% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 17 | $4,005,000 | $235,588 | $7,255 | 3.40% |
| Easton, MD (FHA|USDA|VA) | 9 | $3,855,000 | $428,333 | $7,775 | 3.18% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 14 | $3,800,000 | $271,429 | $7,319 | 3.05% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 17 | $3,795,000 | $223,235 | $8,873 | 3.16% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 11 | $3,775,000 | $343,182 | $6,610 | 3.30% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 18 | $3,750,000 | $208,333 | $5,568 | 3.08% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 16 | $3,610,000 | $225,625 | $8,090 | 3.09% |
| Bennington, VT (FHA|USDA|VA) | 10 | $3,520,000 | $352,000 | $5,382 | 2.84% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 18 | $3,260,000 | $181,111 | $7,816 | 3.26% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 16 | $3,230,000 | $201,875 | $6,908 | 3.26% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 13 | $3,145,000 | $241,923 | $7,572 | 3.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 14 | $3,120,000 | $222,857 | $6,856 | 3.20% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 13 | $3,065,000 | $235,769 | $8,202 | 3.17% |
| Vineyard Haven, MA (FHA|USDA|VA) | 5 | $2,915,000 | $583,000 | $11,027 | 3.25% |
| OCALA, FL (FHA|USDA|VA) | 13 | $2,895,000 | $222,692 | $6,337 | 3.25% |
| Pottsville, PA (FHA|USDA|VA) | 15 | $2,835,000 | $189,000 | $5,195 | 2.81% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 15 | $2,755,000 | $183,667 | $6,817 | 3.11% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 12 | $2,610,000 | $217,500 | $7,811 | 3.15% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 10 | $2,480,000 | $248,000 | $7,624 | 2.74% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $2,390,000 | $239,000 | $6,038 | 2.93% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 10 | $2,380,000 | $238,000 | $7,701 | 3.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $2,355,000 | $336,429 | $12,720 | 3.14% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 10 | $2,340,000 | $234,000 | $6,122 | 3.11% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 9 | $2,285,000 | $253,889 | $8,908 | 3.22% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 10 | $2,260,000 | $226,000 | $8,492 | 3.30% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $6,261 | 2.77% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 12 | $2,090,000 | $174,167 | $7,446 | 2.92% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $2,090,000 | $174,167 | $6,876 | 3.43% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 10 | $2,070,000 | $207,000 | $6,994 | 2.96% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 5 | $1,995,000 | $399,000 | $2,613 | 3.08% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 9 | $1,985,000 | $220,556 | $6,343 | 2.83% |
| GETTYSBURG, PA (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $9,103 | 2.98% |
| Berlin, NH (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $6,315 | 3.12% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $8,340 | 3.38% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $1,870,000 | $311,667 | $11,080 | 3.02% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $10,006 | 2.99% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $10,413 | 3.20% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 8 | $1,720,000 | $215,000 | $6,015 | 3.04% |
| COLUMBIA, SC (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $6,572 | 3.17% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $9,316 | 2.84% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $7,035 | 3.03% |
| Keene, NH (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $4,022 | 2.82% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,595,000 | $227,857 | $11,046 | 3.20% |
| Morehead City, NC (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $2,871 | 2.83% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $1,555,000 | $172,778 | $4,353 | 3.28% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $6,188 | 3.12% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $1,510,000 | $151,000 | $7,090 | 3.23% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $8,378 | 3.00% |
| New Castle, PA (FHA|USDA|VA) | 11 | $1,445,000 | $131,364 | $4,159 | 3.47% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $6,980 | 2.97% |
| Kinston, NC (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $3,887 | 2.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $8,119 | 3.17% |
| ALTOONA, PA (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $7,224 | 2.71% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $10,765 | 2.66% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $5,368 | 2.85% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 7 | $1,245,000 | $177,857 | $7,385 | 2.89% |
| Cambridge, MD (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $3,742 | 3.12% |
| YAKIMA, WA (FHA|USDA|VA) | 6 | $1,210,000 | $201,667 | $6,417 | 3.04% |
| LYNCHBURG, VA (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $3,842 | 2.98% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $6,436 | 2.84% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $13,199 | 3.09% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $8,225 | 3.35% |
| PITTSFIELD, MA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $7,246 | 3.28% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $5,234 | 3.08% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $9,504 | 3.28% |
| CHICO, CA (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $9,922 | 3.03% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $9,439 | 3.53% |
| Barre, VT (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $4,079 | 3.13% |
| MADISON, WI (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $7,077 | 3.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $10,020 | 3.06% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $7,388 | 3.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $6,027 | 3.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $8,796 | 3.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $10,499 | 3.03% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $4,967 | 3.21% |
| Centralia, WA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $9,936 | 3.08% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $8,788 | 2.94% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $5,614 | 2.97% |
| AKRON, OH (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $4,327 | 3.65% |
| BEND, OR (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $7,063 | 3.44% |
| Washington, NC (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $4,303 | 2.87% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $9,008 | 3.56% |
| GRANTS PASS, OR (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $8,051 | 3.19% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $5,685 | 3.12% |
| Rutland, VT (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $4,245 | 2.90% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $6,962 | 3.06% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $6,843 | 2.91% |
| Newport, OR (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $16,114 | 3.43% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $9,517 | 3.12% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $9,011 | 3.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $13,892 | 3.34% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $5,964 | 3.38% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $8,476 | 3.19% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $7,520 | 3.21% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,861 | 3.00% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $11,306 | 2.96% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $8,883 | 3.06% |
| Wilson, NC (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,222 | 3.31% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $16,279 | 3.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $6,789 | 3.12% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $5,585 | 3.15% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,597 | 3.04% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $7,123 | 3.04% |
| Sunbury, PA (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $5,578 | 3.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $9,666 | 3.25% |
| FLINT, MI (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $6,235 | 3.31% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $6,964 | 2.94% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $8,176 | 2.92% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $7,454 | 3.19% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,054 | 3.00% |
| Okeechobee, FL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,743 | 3.54% |
| DULUTH, MN-WI (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $6,628 | 2.84% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,991 | 3.63% |
| Plymouth, IN (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $7,160 | 2.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $5,695 | 3.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $8,105 | 2.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $4,448 | 3.03% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $8,416 | 3.25% |
| Payson, AZ (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $5,149 | 3.53% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $12,215 | 3.25% |
| Richmond-Berea, KY (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $3,953 | 2.84% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $8,167 | 3.50% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $6,080 | 3.04% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,990 | 2.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,578 | 3.62% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,775 | 2.93% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,828 | 2.88% |
| Sevierville, TN (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $8,585 | 3.08% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,465 | 3.56% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $8,545 | 3.50% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,588 | 2.06% |
| NAPA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $22,085 | 2.88% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,237 | 2.93% |
| Henderson, NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,519 | 2.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,749 | 3.19% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $7,175 | 3.08% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,635 | 3.17% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,024 | 3.31% |
| REDDING, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,672 | 3.12% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,502 | 2.56% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,455 | 2.96% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,188 | 3.31% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,582 | 2.69% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,396 | 3.25% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $4,530 | 2.69% |
| MERCED, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,436 | 3.18% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $12,043 | 2.99% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,207 | 2.99% |
| Palestine, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $14,050 | 3.75% |
| Marion, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $16,787 | 3.25% |
| Torrington, CT (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,495 | 3.13% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,063 | 3.12% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,447 | 2.75% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,224 | 2.93% |
| La Grande, OR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,968 | 3.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $6,510 | 3.04% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,217 | 3.31% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,788 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,886 | 2.99% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,384 | 2.94% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,545 | 3.44% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,929 | 2.81% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,873 | 2.88% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $9,074 | 2.88% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,716 | 3.44% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,901 | 3.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,712 | 3.00% |
| Palatka, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,110 | 3.31% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,808 | 3.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,139 | 3.31% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $10,440 | 3.06% |
| Alexandria, MN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,173 | 3.18% |
| Somerset, KY (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,011 | 3.00% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,830 | 3.13% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,626 | 3.19% |
| Marion, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,355 | 3.25% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $7,450 | 3.13% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,773 | 2.75% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,999 | 3.56% |
| Somerset, PA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $5,026 | 3.04% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,683 | 3.38% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,811 | 2.50% |
| Brevard, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,892 | 3.00% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,030 | 2.87% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,400 | 3.63% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,396 | 2.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,917 | 3.25% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,388 | 2.88% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,977 | 2.75% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,050 | 3.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,363 | 3.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,551 | 3.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,449 | 3.25% |
| RACINE, WI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,460 | 3.56% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,211 | 2.99% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,195 | 3.18% |
| Houghton, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,489 | 3.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,006 | 2.99% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,414 | 2.99% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $13,428 | 2.99% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,280 | 2.88% |
| Newberry, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,096 | 3.25% |
| Astoria, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,054 | 2.88% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,394 | 2.50% |
| Durango, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,531 | 2.88% |
| Holland, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,981 | 2.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,384 | 3.38% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,251 | 3.25% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,799 | 3.25% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,240 | 2.88% |
| Forest City, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,156 | 3.38% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,849 | 2.99% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,447 | 2.50% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,904 | 2.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,727 | 3.63% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,011 | 3.25% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,613 | 2.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,821 | 3.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,357 | 3.00% |
| AMES, IA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,375 | 2.75% |
| Dublin, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,435 | 2.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,719 | 3.38% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,637 | 2.99% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,143 | 2.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,751 | 3.25% |
| Albertville, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,287 | 2.99% |
| DuBois, PA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,408 | 3.31% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,099 | 3.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,310 | 3.38% |
| MADERA, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,448 | 3.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,505 | 3.13% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,942 | 2.99% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,476 | 2.99% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,271 | 3.25% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,301 | 3.50% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,250 | 3.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,974 | 3.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.25% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,600 | 3.63% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,433 | 2.99% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,588 | 3.50% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,397 | 2.88% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,082 | 3.25% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,177 | 3.38% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,523 | 3.50% |
| Lake City, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,614 | 2.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,042 | 3.13% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,131 | 3.25% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,947 | 3.13% |
| Seneca, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,909 | 3.50% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,856 | 3.25% |
| Meridian, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,174 | 3.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,140 | 2.88% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,159 | 3.25% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,204 | 3.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,896 | 2.99% |
| ROME, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,669 | 3.13% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,743 | 3.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,050 | 3.25% |
| Winona, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,798 | 2.99% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,498 | 2.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,803 | 2.99% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,779 | 3.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,662 | 2.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,839 | 3.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,978 | 2.99% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,087 | 3.25% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,239 | 2.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,662 | 3.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,970 | 3.38% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,947 | 3.13% |
| Willmar, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,081 | 2.88% |
| The Dalles, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,622 | 3.38% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,835 | 3.38% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,093 | 2.88% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,612 | 3.25% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,729 | 2.50% |
| Wooster, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,587 | 3.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,000 | 3.63% |
Emm Loans's top markets include Philadelphia, Boston, New York, Lebanon, and Baltimore among others.
Their top states include:Pennsylvania
(FHA|USDA|VA)
Massachusetts
(FHA|USDA|VA)
Florida
(FHA|USDA|VA)
New Jersey
(FHA|USDA|VA)
New Hampshire
(FHA|USDA|VA)
Their top states include:
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Product Mix
For 2021, Emm Loans's most frequently originated type of loan was Conventional, with 7,480 originations. Their 2nd most popular type was FHA, with 1,002 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 4,721 | $1,268,075,000 | $268,603 | $6,530 | 3.02% |
| Home Purchase | 4,246 | $1,190,810,000 | $280,455 | $6,499 | 3.03% |
For 2021, Emm Loans's most frequently cited loan purpose was Refi, with 4,721 originations. The 2nd most popular reason was Home Purchase, with 4,246 originations.
Loan Duration/Length
For 2021, Emm Loans's most frequently cited loan duration was 30 Year, with 7,588 originations. The 2nd most popular length was 15 Year, with 720 originations.
Origination Fees/Closing Costs
Emm Loans's average total fees were $6,825, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,926 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 4,077 | $1,157,105,000 | $283,813 |
| 3-4% | 3,707 | $1,015,705,000 | $273,996 |
| <2.5% | 990 | $239,980,000 | $242,404 |
| 4-5% | 193 | $46,095,000 | $238,834 |
During 2021, Emm Loans's average interest rate for loans was 3.12%, while their most frequently originated rate bucket for loans was 2.5-3%, with 4,077 originations.
Loan Sizing
2021 saw Emm Loans place emphasis on $200k-400k loans with 4,477 originations, totaling $1,260,345,000 in origination value.
Applicant Income
Emm Loans lent most frequently to those with incomes in the $50k-75k range, with 2,304 originations. The second most popular income band? $100k-150k, with 1,867 originations.
Applicant Debt to Income Ratio
Emm Loans lent most frequently to those with DTI ratios of 20-30%, with 1,721 originations. The next most common DTI ratio? 30-36%, with 1,569 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.70%
Emm Loans has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination77.36%
Emm Loans has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 8,967 | $2,458,885,000 | $274,215 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 8,967 | $2,458,885,000 | $274,215 |