Teachers Mortgage Rates, Fees & Info

Hauppauge, NY

LEI: 549300R8VPSFM828B312

Tax ID: 11-1751016

5 stars - Updated: 12/9/24 - out of 5 stars, based on 50 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Teachers is a smaller mortgage company specializing in Cash Out Refi, Other, and Home Purchase loans. Teachers has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Tampa, Miami, and Orlando among others. We have data for 104 markets. (Some data included below & more in-depth data is available with an active subscription.)

Teachers 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. Teachers 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 relatively high 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 6.28% 12/9/24
30 Year Conventional Refi 6.42% 12/9/24
30 Year Cash-out Refi 6.48% 12/9/24
15 Year Conventional Purchase 5.88% 12/9/24
15 Year Conventional Refi 6.18% 12/9/24
15 Year Cash-out Refi 6.18% 12/9/24
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.

Teachers Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Teachers. 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

2,528

Origination Dollar Volume (All Markets)

$492,730,000
Show all (5) awards

Relative Rate

Teachers's average 30 year fixed mortgage rate was 6.97%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.49%.

Relative Fees (Closing Costs)

Teachers's average total fees/closing costs for a 30 year fixed rate mortgage were $5,779.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2,162 $383,100,000 $177,197 $1,460 7.44%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 30 $19,480,000 $649,333 $7,883 6.29%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 30 $6,960,000 $232,000 $3,886 6.48%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 19 $6,485,000 $341,316 $5,703 7.08%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 15 $6,135,000 $409,000 $4,688 7.16%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $5,940,000 $594,000 $7,337 6.48%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 7 $3,655,000 $522,143 $6,040 6.05%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 11 $3,535,000 $321,364 $3,908 6.41%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 8 $3,260,000 $407,500 $4,284 6.78%
Outside of Metro Areas 12 $2,760,000 $230,000 $4,075 6.80%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 9 $2,685,000 $298,333 $6,999 6.69%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 7 $2,255,000 $322,143 $4,156 6.82%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 8 $1,980,000 $247,500 $3,688 7.09%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,825,000 $608,333 $8,820 6.54%
PROVO-OREM, UT (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $5,911 5.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,745,000 $349,000 $5,334 6.48%
Sevierville, TN (FHA|USDA|VA) 2 $1,730,000 $865,000 $23,159 6.81%
EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $1,455,000 $207,857 $6,046 7.34%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 12 $1,420,000 $118,333 $1,770 7.60%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $1,410,000 $705,000 $7,361 6.50%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $1,305,000 $1,305,000 $33,286 6.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $1,200,000 $600,000 $4,109 6.19%
ST. LOUIS, MO-IL (FHA|USDA|VA) 8 $1,150,000 $143,750 $2,811 6.51%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $1,045,000 $149,286 $1,799 6.87%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,041 6.67%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $985,000 $328,333 $7,394 5.96%
CHICO, CA (FHA|USDA|VA) 2 $910,000 $455,000 $6,155 6.62%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $890,000 $148,333 $2,727 7.00%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $890,000 $222,500 $2,958 7.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $880,000 $220,000 $7,772 7.06%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $870,000 $217,500 $7,679 5.94%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $865,000 $123,571 $1,607 7.55%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $770,000 $192,500 $4,861 6.16%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $710,000 $355,000 $3,967 6.44%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $705,000 $235,000 $2,479 7.46%
BURLINGTON, NC (FHA|USDA|VA) 2 $700,000 $350,000 $9,361 6.63%
ROCHESTER, NY (FHA|USDA|VA) 4 $660,000 $165,000 $2,711 6.19%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $635,000 $211,667 $5,174 6.58%
Fallon, NV (FHA|USDA|VA) 1 $615,000 $615,000 $6,481 6.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $590,000 $295,000 $6,723 5.88%
BATON ROUGE, LA (FHA|USDA|VA) 1 $575,000 $575,000 $11,451 6.38%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $570,000 $142,500 $1,117 7.84%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $565,000 $188,333 $2,726 7.21%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $560,000 $280,000 $6,189 5.87%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $555,000 $185,000 $5,606 6.67%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $525,000 $175,000 $4,838 6.79%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $510,000 $127,500 $1,981 7.56%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $510,000 $127,500 $350 7.21%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $505,000 $505,000 $600 9.25%
Keene, NH (FHA|USDA|VA) 1 $505,000 $505,000 $4,747 6.25%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $465,000 $465,000 $3,270 6.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $455,000 $151,667 $2,667 7.79%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $425,000 $425,000 $3,366 5.63%
KNOXVILLE, TN (FHA|USDA|VA) 2 $420,000 $210,000 $6,012 7.81%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $410,000 $205,000 $4,512 6.63%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $390,000 $195,000 $2,223 5.56%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $370,000 $185,000 $3,648 6.31%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $355,000 $118,333 $3,909 6.29%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $355,000 $355,000 $5,818 6.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $325,000 $325,000 $5,305 5.50%
STAUNTON, VA (FHA|USDA|VA) 1 $305,000 $305,000 $4,569 6.75%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.74%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $290,000 $145,000 $1,788 5.75%
Bennington, VT (FHA|USDA|VA) 1 $275,000 $275,000 $850 6.13%
TOLEDO, OH (FHA|USDA|VA) 1 $275,000 $275,000 $4,919 6.50%
Georgetown, SC (FHA|USDA|VA) 1 $275,000 $275,000 $4,615 6.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $255,000 $255,000 $9,976 6.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $245,000 $245,000 $6,629 7.38%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $245,000 $245,000 $5,077 6.13%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $235,000 $78,333 $475 7.87%
LANCASTER, PA (FHA|USDA|VA) 1 $235,000 $235,000 $5,107 6.25%
Natchez, MS-LA (FHA|USDA|VA) 1 $225,000 $225,000 $8,960 6.75%
ELMIRA, NY (FHA|USDA|VA) 1 $215,000 $215,000 $4,005 5.88%
HINESVILLE, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,409 5.50%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $180,000 $90,000 $588 7.31%
THE VILLAGES, FL (FHA|USDA|VA) 1 $165,000 $165,000 $585 7.75%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $155,000 $155,000 $7,548 6.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.49%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $130,000 $65,000 $5,710 7.62%
Lebanon, NH-VT (FHA|USDA|VA) 1 $125,000 $125,000 $4,740 7.25%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $125,000 $125,000 $3,172 8.25%
BINGHAMTON, NY (FHA|USDA|VA) 1 $125,000 $125,000 $3,342 5.63%
MONTGOMERY, AL (FHA|USDA|VA) 1 $115,000 $115,000 $4,058 6.63%
Torrington, CT (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.49%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $105,000 $105,000 $2,944 5.63%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $100,000 $50,000 $595 8.00%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $95,000 $95,000 $4,374 7.13%
KINGSTON, NY (FHA|USDA|VA) 1 $85,000 $85,000 $585 9.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $85,000 $85,000 $765 7.50%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $85,000 $85,000 $590 7.88%
Bonham, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,299 6.38%
STOCKTON, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.74%
Jefferson, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.74%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $75,000 $75,000 $600 6.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $75,000 $75,000 $585 10.50%
GLENS FALLS, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.74%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.38%
WILMINGTON, NC (FHA|USDA|VA) 1 $65,000 $65,000 $675 5.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.74%
READING, PA (FHA|USDA|VA) 1 $55,000 $55,000 $615 9.50%
Mount Airy, NC (FHA|USDA|VA) 1 $45,000 $45,000 $675 9.00%
MADISON, WI (FHA|USDA|VA) 1 $35,000 $35,000 $575 6.00%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.49%
COLUMBUS, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 10.38%
Teachers's top markets include New York, Los Angeles, Tampa, Miami, and Orlando among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against TEACHERS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Los Angeles Federal Credit Union
    Similarity Rank: 72
    N C P D Federal Credit Union
    Similarity Rank: 126
    Columbia Bank
    Similarity Rank: 156
    GREATER ALLIANCE
    Similarity Rank: 168
    Blue Foundry Bank
    Similarity Rank: 188
    PCSB Bank
    Similarity Rank: 207
    LBS FINANCIAL
    Similarity Rank: 258

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,802 $380,110,000 $210,938 $2,021 7.34%
    HELOC 726 $112,620,000 $155,124 n/a 7.36%

    For 2023, Teachers's most frequently originated type of loan was Conventional, with 1,802 originations. Their 2nd most popular type was HELOC, with 726 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 1,145 $153,955,000 $134,459 $687 7.74%
    Other 789 $115,695,000 $146,635 $406 7.44%
    Home Purchase 463 $202,665,000 $437,721 $5,927 6.35%
    Refi 114 $17,830,000 $156,404 $851 6.67%
    Home Improvement 17 $2,585,000 $152,059 $346 8.10%

    For 2023, Teachers's most frequently cited loan purpose was Cash Out Refi, with 1,145 originations. The 2nd most popular reason was Other, with 789 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,211 $335,055,000 $276,676 $5,779 6.97%
    20 Year 809 $109,975,000 $135,939 $459 7.80%
    10 Year 244 $18,750,000 $76,844 $299 7.52%
    15 Year 236 $27,080,000 $114,746 $1,092 7.55%
    5 Year 27 $1,645,000 $60,926 $304 7.68%
    Other 1 $225,000 $225,000 $0 2.99%

    For 2023, Teachers's most frequently cited loan duration was 30 Year, with 1,211 originations. The 2nd most popular length was 20 Year, with 809 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,246 $141,520,000 $113,579
    $1k-2k 479 $206,285,000 $430,658
    $5k+ 45 $22,465,000 $499,222
    $2k-3k 13 $3,315,000 $255,000
    $4k-5k 12 $4,250,000 $354,167
    $3k-4k 7 $2,275,000 $325,000

    Teachers's average total fees were $5,779, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,246 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 864 $136,400,000 $157,870
    6-7% 743 $187,575,000 $252,456
    Over 8% 510 $47,520,000 $93,176
    5-6% 392 $118,130,000 $301,352
    4-5% 18 $2,880,000 $160,000
    2.5-3% 1 $225,000 $225,000

    During 2023, Teachers's average interest rate for loans was 6.97%, while their most frequently originated rate bucket for loans was 7-8%, with 864 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 983 $58,525,000 $59,537 $399 7.82%
    $100k-200k 701 $92,655,000 $132,175 $1,148 7.45%
    $200k-400k 513 $139,965,000 $272,836 $3,171 6.82%
    $400k-600k 228 $108,360,000 $475,263 $4,735 6.67%
    $600k-1MM 75 $53,915,000 $718,867 $7,071 6.34%
    $1MM+ 28 $39,310,000 $1,403,929 $12,168 6.11%

    2023 saw Teachers place emphasis on $100,000 or less loans with 983 originations, totaling $58,525,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 740 $157,090,000 $212,284 $1,986 7.34%
    $100k-150k 739 $126,375,000 $171,008 $1,821 7.47%
    $75k-100k 318 $47,170,000 $148,333 $1,663 7.33%
    $250k+ 300 $108,290,000 $360,967 $4,232 7.27%
    $50k-75k 256 $33,640,000 $131,406 $1,479 7.30%
    $50k or less 168 $19,530,000 $116,250 $1,264 7.06%

    Teachers lent most frequently to those with incomes in the $150k-250k range, with 740 originations. The second most popular income band? $100k-150k, with 739 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    >60% 662 $109,710,000 $165,725 $1,110 7.70%
    50-60% 408 $63,360,000 $155,294 $1,088 7.72%
    20-30% 255 $52,635,000 $206,412 $2,630 6.88%
    30-36% 244 $52,190,000 $213,893 $2,975 7.19%
    46% 79 $19,685,000 $249,177 $3,446 7.05%
    48% 75 $18,025,000 $240,333 $2,880 7.00%
    45% 73 $17,295,000 $236,918 $2,814 7.19%
    44% 72 $17,100,000 $237,500 $2,269 7.21%
    41% 71 $18,235,000 $256,831 $3,024 7.17%
    38% 68 $15,920,000 $234,118 $3,673 7.04%
    40% 67 $15,385,000 $229,627 $2,925 7.06%
    42% 66 $15,540,000 $235,455 $2,606 7.10%
    47% 64 $11,900,000 $185,938 $1,699 7.63%
    <20% 60 $12,380,000 $206,333 $2,089 6.64%
    49% 59 $11,345,000 $192,288 $2,671 7.46%
    43% 56 $10,880,000 $194,286 $1,884 7.16%
    39% 53 $10,445,000 $197,075 $2,466 7.11%
    36% 48 $11,670,000 $243,125 $2,633 6.83%
    37% 44 $8,160,000 $185,455 $1,634 6.80%

    Teachers lent most frequently to those with DTI ratios of >60%, with 662 originations. The next most common DTI ratio? 50-60%, with 408 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,066 $387,140,000 $187,386 $1,893 7.32%
    Asian 118 $40,750,000 $345,339 $4,413 6.81%
    Black 161 $27,435,000 $170,404 $2,039 7.47%
    Not provided 121 $18,905,000 $156,240 $1,187 8.08%
    Asian Indian 30 $11,990,000 $399,667 $3,813 7.24%
    Other Asian 14 $3,610,000 $257,857 $2,286 7.09%
    American Indian 10 $1,210,000 $121,000 $1,476 7.62%
    Filipino 3 $615,000 $205,000 $538 8.29%
    Other Pacific Islander 4 $570,000 $142,500 $358 8.22%
    Korean 1 $505,000 $505,000 $0 6.74%

    Approval Rates

    Total approvals of all applications
    97.40%

    Teachers has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    70.21%

    Teachers has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,528 $492,730,000 $194,909

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,528 $492,730,000 $194,909

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 564 $109,000,000 $193,262 $972 7.34%
    40-60% 198 $64,860,000 $327,576 $3,271 6.65%
    60-80% 269 $123,175,000 $457,900 $5,622 6.47%
    80-100% 182 $87,150,000 $478,846 $5,695 6.30%
    Under 20% 1,315 $108,545,000 $82,544 $387 7.77%