Impac Mortgage Corp. Rates, Fees & Info

IRVINE, CA

LEI: 549300U2WRK55BY8UC05

Tax ID: 80-0233937

5 stars - out of 5 stars, based on 89 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Impac Mortgage Corp. is a small mortgage company specializing in Refi and Cash Out Refi loans. Impac Mortgage Corp. has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, San Diego, and Sacramento among others. We have data for 321 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Impac Mortgage Corp. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Impac Mortgage Corp. is typically a low 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 7.49% 10/3/22
    30 Year Conventional Refi 6.35% 10/3/22
    30 Year Cash-out Refi 6.43% 10/3/22
    30 Year VA Purchase 6.38% 10/3/22
    30 Year VA Refi 5.91% 10/3/22
    15 Year Conventional Purchase 5.91% 10/3/22
    15 Year Conventional Refi 5.95% 10/3/22
    15 Year Cash-out Refi 5.95% 10/3/22
    15 Year VA Refi 5.81% 10/3/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    7,926

    Origination Dollar Volume (All Markets)

    $2,891,500,000
    Show all (15) awards

    Relative Rate

    Impac Mortgage Corp.'s average 30 year fixed mortgage rate was 3.21%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.06%.

    Relative Fees (Closing Costs)

    Impac Mortgage Corp.'s average total fees/closing costs for a 30 year fixed rate mortgage were $2,593.

    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 $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2,191 $943,735,000 $430,733 $2,746 2.97%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 896 $293,170,000 $327,199 $1,835 3.03%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 581 $246,985,000 $425,103 $1,878 2.83%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 471 $203,135,000 $431,285 $3,140 2.99%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 464 $142,290,000 $306,659 $856 2.85%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 241 $79,785,000 $331,058 $3,973 3.53%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 169 $77,985,000 $461,450 $2,096 2.88%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 184 $54,560,000 $296,522 $1,874 3.11%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 136 $52,900,000 $388,971 $1,929 2.96%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 78 $41,310,000 $529,615 $14,092 3.71%
    STOCKTON, CA (FHA|USDA|VA) 112 $34,930,000 $311,875 $909 2.92%
    VALLEJO, CA (FHA|USDA|VA) 100 $33,120,000 $331,200 $988 2.84%
    FRESNO, CA (FHA|USDA|VA) 116 $32,640,000 $281,379 $2,374 3.21%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 78 $29,370,000 $376,538 $1,206 2.77%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 65 $22,425,000 $345,000 $3,318 3.48%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 77 $21,595,000 $280,455 $2,386 2.98%
    URBAN HONOLULU, HI (FHA|USDA|VA) 30 $21,030,000 $701,000 $7,351 3.17%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 58 $20,740,000 $357,586 $2,793 2.92%
    Outside of Metro Areas 81 $20,485,000 $252,901 $1,345 3.09%
    SALINAS, CA (FHA|USDA|VA) 48 $17,400,000 $362,500 $343 2.82%
    RENO, NV (FHA|USDA|VA) 54 $16,120,000 $298,519 $477 3.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 56 $15,700,000 $280,357 $2,510 3.07%
    MODESTO, CA (FHA|USDA|VA) 58 $15,690,000 $270,517 $614 3.06%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 51 $14,145,000 $277,353 $3,853 3.52%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 46 $14,140,000 $307,391 $1,649 3.11%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 60 $13,990,000 $233,167 $2,350 2.96%
    BAKERSFIELD, CA (FHA|USDA|VA) 56 $13,170,000 $235,179 $1,309 3.08%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 34 $12,710,000 $373,824 $2,083 2.99%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 18 $11,310,000 $628,333 $6,414 3.35%
    BOISE CITY, ID (FHA|USDA|VA) 28 $10,540,000 $376,429 $4,511 3.23%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 22 $9,700,000 $440,909 $2,283 2.88%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 30 $9,590,000 $319,667 $2,343 3.04%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 33 $9,305,000 $281,970 $1,194 3.27%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 24 $8,900,000 $370,833 $1,213 2.96%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 30 $8,430,000 $281,000 $766 2.78%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 17 $8,355,000 $491,471 $6,590 3.40%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 34 $7,610,000 $223,824 $1,289 3.10%
    SALT LAKE CITY, UT (FHA|USDA|VA) 16 $7,600,000 $475,000 $3,420 3.13%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 24 $7,570,000 $315,417 $2,580 3.20%
    YUBA CITY, CA (FHA|USDA|VA) 28 $7,100,000 $253,571 $864 3.06%
    NAPA, CA (FHA|USDA|VA) 20 $6,860,000 $343,000 $761 2.67%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 20 $6,030,000 $301,500 $1,192 2.92%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 20 $5,770,000 $288,500 $1,087 3.00%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 28 $5,740,000 $205,000 $3,947 3.58%
    CHICO, CA (FHA|USDA|VA) 21 $5,655,000 $269,286 $870 3.05%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 17 $5,645,000 $332,059 $2,037 2.86%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 16 $5,560,000 $347,500 $3,594 3.16%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 15 $5,355,000 $357,000 $1,976 3.16%
    Sonora, CA (FHA|USDA|VA) 13 $5,265,000 $405,000 $2,267 3.15%
    RALEIGH-CARY, NC (FHA|USDA|VA) 16 $4,580,000 $286,250 $1,218 3.18%
    TUCSON, AZ (FHA|USDA|VA) 16 $4,490,000 $280,625 $2,410 3.12%
    MERCED, CA (FHA|USDA|VA) 17 $4,455,000 $262,059 $583 2.99%
    COLUMBUS, OH (FHA|USDA|VA) 18 $4,280,000 $237,778 $234 3.25%
    VISALIA, CA (FHA|USDA|VA) 20 $4,130,000 $206,500 $1,122 3.05%
    Outside of Metro Areas 13 $4,065,000 $312,692 $302 3.02%
    MADERA, CA (FHA|USDA|VA) 14 $3,740,000 $267,143 $3,600 3.23%
    REDDING, CA (FHA|USDA|VA) 17 $3,715,000 $218,529 $1,916 3.00%
    BEND, OR (FHA|USDA|VA) 11 $3,705,000 $336,818 $857 3.26%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 11 $3,415,000 $310,455 $617 3.03%
    JACKSONVILLE, FL (FHA|USDA|VA) 16 $3,320,000 $207,500 $2,226 3.41%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 14 $3,290,000 $235,000 $1,910 3.29%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $3,225,000 $645,000 $12,342 3.52%
    CORVALLIS, OR (FHA|USDA|VA) 9 $3,215,000 $357,222 $4,087 3.40%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 11 $3,145,000 $285,909 $2,016 3.29%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 11 $3,055,000 $277,727 $2,565 3.15%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $2,985,000 $331,667 $4,326 3.47%
    PROVO-OREM, UT (FHA|USDA|VA) 10 $2,770,000 $277,000 $1,438 3.02%
    CARSON CITY, NV (FHA|USDA|VA) 7 $2,715,000 $387,857 $700 2.77%
    FLAGSTAFF, AZ (FHA|USDA|VA) 8 $2,620,000 $327,500 $3,490 3.72%
    Breckenridge, CO (FHA|USDA|VA) 4 $2,490,000 $622,500 $928 3.13%
    Show Low, AZ (FHA|USDA|VA) 8 $2,410,000 $301,250 $6,830 3.86%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $2,385,000 $477,000 $12,997 3.83%
    Ukiah, CA (FHA|USDA|VA) 8 $2,360,000 $295,000 $203 2.69%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $2,255,000 $322,143 $3,932 3.25%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 10 $2,240,000 $224,000 $808 2.86%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $2,200,000 $275,000 $1,505 3.11%
    SALEM, OR (FHA|USDA|VA) 7 $2,185,000 $312,143 $1,516 2.80%
    MORRISTOWN, TN (FHA|USDA|VA) 6 $2,160,000 $360,000 $17,245 4.63%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $2,155,000 $239,444 $1,529 3.26%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $2,130,000 $266,250 $1,344 3.92%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $2,090,000 $348,333 $2,721 3.14%
    PITTSBURGH, PA (FHA|USDA|VA) 10 $2,010,000 $201,000 $1,320 2.95%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 6 $1,980,000 $330,000 $0 2.94%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 8 $1,870,000 $233,750 $1,045 2.67%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 7 $1,855,000 $265,000 $510 2.71%
    ALBUQUERQUE, NM (FHA|USDA|VA) 7 $1,835,000 $262,143 $320 3.41%
    GREELEY, CO (FHA|USDA|VA) 6 $1,830,000 $305,000 $1,478 2.70%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,820,000 $455,000 $5,671 3.78%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,780,000 $296,667 $1,861 3.50%
    Red Bluff, CA (FHA|USDA|VA) 5 $1,775,000 $355,000 $2,461 2.87%
    MEDFORD, OR (FHA|USDA|VA) 7 $1,775,000 $253,571 $1,024 2.62%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $1,725,000 $345,000 $1,659 2.95%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 4 $1,720,000 $430,000 $6,434 3.44%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,710,000 $285,000 $5,196 3.88%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 7 $1,625,000 $232,143 $1,402 3.68%
    RICHMOND, VA (FHA|USDA|VA) 7 $1,585,000 $226,429 $1,069 2.79%
    HUNTSVILLE, AL (FHA|USDA|VA) 8 $1,580,000 $197,500 $825 3.81%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $1,555,000 $311,000 $668 2.95%
    ASHEVILLE, NC (FHA|USDA|VA) 5 $1,485,000 $297,000 $296 3.82%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $1,480,000 $246,667 $1,510 3.04%
    Hilo, HI (FHA|USDA|VA) 5 $1,475,000 $295,000 $1,330 3.17%
    WACO, TX (FHA|USDA|VA) 6 $1,460,000 $243,333 $794 3.85%
    Durango, CO (FHA|USDA|VA) 3 $1,365,000 $455,000 $1,460 2.83%
    SAVANNAH, GA (FHA|USDA|VA) 4 $1,360,000 $340,000 $1,337 3.50%
    Key West, FL (FHA|USDA|VA) 1 $1,315,000 $1,315,000 $24,309 3.25%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 7 $1,295,000 $185,000 $1,194 2.56%
    BOULDER, CO (FHA|USDA|VA) 4 $1,270,000 $317,500 $1,463 3.44%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $1,270,000 $211,667 $276 3.02%
    HOT SPRINGS, AR (FHA|USDA|VA) 5 $1,235,000 $247,000 $0 3.55%
    Brookings, OR (FHA|USDA|VA) 4 $1,220,000 $305,000 $104 2.96%
    SANTA FE, NM (FHA|USDA|VA) 3 $1,205,000 $401,667 $0 3.17%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,205,000 $241,000 $305 2.90%
    ST. GEORGE, UT (FHA|USDA|VA) 4 $1,190,000 $297,500 $4,058 3.37%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $1,180,000 $196,667 $1,348 2.96%
    Sandpoint, ID (FHA|USDA|VA) 3 $1,155,000 $385,000 $1,331 3.04%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,130,000 $282,500 $7,380 2.65%
    Clearlake, CA (FHA|USDA|VA) 5 $1,105,000 $221,000 $1,922 2.87%
    Eureka-Arcata, CA (FHA|USDA|VA) 2 $1,090,000 $545,000 $0 2.81%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $1,090,000 $181,667 $1,037 3.31%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $1,080,000 $270,000 $1,394 2.78%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,075,000 $358,333 $640 2.83%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $1,015,000 $338,333 $1,355 3.75%
    KNOXVILLE, TN (FHA|USDA|VA) 4 $1,000,000 $250,000 $1,184 2.75%
    Kapaa, HI (FHA|USDA|VA) 4 $990,000 $247,500 $547 2.81%
    EL PASO, TX (FHA|USDA|VA) 6 $980,000 $163,333 $1,486 3.14%
    WILMINGTON, NC (FHA|USDA|VA) 4 $960,000 $240,000 $563 3.22%
    WINSTON-SALEM, NC (FHA|USDA|VA) 4 $960,000 $240,000 $791 3.19%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $930,000 $465,000 $0 2.69%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $930,000 $232,500 $2,368 3.43%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $880,000 $220,000 $1,293 2.93%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $865,000 $288,333 $1,828 2.58%
    JACKSON, MS (FHA|USDA|VA) 3 $825,000 $275,000 $530 3.91%
    MISSOULA, MT (FHA|USDA|VA) 3 $815,000 $271,667 $0 2.66%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $815,000 $271,667 $348 2.83%
    STAUNTON, VA (FHA|USDA|VA) 1 $805,000 $805,000 $25,720 4.38%
    YUMA, AZ (FHA|USDA|VA) 3 $805,000 $268,333 $1,126 2.37%
    OCEAN CITY, NJ (FHA|USDA|VA) 2 $800,000 $400,000 $600 3.75%
    Traverse City, MI (FHA|USDA|VA) 2 $790,000 $395,000 $0 3.13%
    LAS CRUCES, NM (FHA|USDA|VA) 3 $785,000 $261,667 $2,453 2.46%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $780,000 $195,000 $1,499 2.47%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $765,000 $255,000 $1,155 2.63%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $750,000 $375,000 $2,732 3.56%
    BELLINGHAM, WA (FHA|USDA|VA) 3 $745,000 $248,333 $733 2.63%
    AKRON, OH (FHA|USDA|VA) 2 $710,000 $355,000 $0 2.56%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $705,000 $235,000 $4,102 3.12%
    NEW BERN, NC (FHA|USDA|VA) 3 $705,000 $235,000 $1,053 3.46%
    LYNCHBURG, VA (FHA|USDA|VA) 3 $695,000 $231,667 $880 2.63%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $690,000 $345,000 $1,674 2.56%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $690,000 $345,000 $0 2.49%
    OCALA, FL (FHA|USDA|VA) 4 $680,000 $170,000 $3,406 4.28%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $680,000 $340,000 $5,311 3.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 3 $665,000 $221,667 $3,038 3.63%
    EL CENTRO, CA (FHA|USDA|VA) 4 $660,000 $165,000 $2,093 2.69%
    FAYETTEVILLE, NC (FHA|USDA|VA) 6 $660,000 $110,000 $0 4.91%
    Seneca, SC (FHA|USDA|VA) 2 $640,000 $320,000 $647 3.00%
    Pahrump, NV (FHA|USDA|VA) 3 $625,000 $208,333 $2,176 2.71%
    Sevierville, TN (FHA|USDA|VA) 1 $595,000 $595,000 $0 4.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $595,000 $198,333 $728 3.21%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $560,000 $280,000 $499 2.81%
    Bozeman, MT (FHA|USDA|VA) 2 $560,000 $280,000 $1,404 3.50%
    LANCASTER, PA (FHA|USDA|VA) 3 $555,000 $185,000 $982 2.75%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $550,000 $275,000 $14,350 3.81%
    Winnemucca, NV (FHA|USDA|VA) 2 $550,000 $275,000 $1,090 2.63%
    Fernley, NV (FHA|USDA|VA) 2 $540,000 $270,000 $600 3.13%
    GAINESVILLE, FL (FHA|USDA|VA) 3 $535,000 $178,333 $1,165 2.71%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 2 $530,000 $265,000 $4,875 1.93%
    Ruidoso, NM (FHA|USDA|VA) 1 $525,000 $525,000 $1,370 2.25%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $525,000 $175,000 $0 3.96%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $520,000 $260,000 $3,069 2.37%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $515,000 $515,000 $1,600 2.13%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $515,000 $515,000 $0 2.75%
    Granbury, TX (FHA|USDA|VA) 2 $510,000 $255,000 $5,929 2.93%
    MANKATO, MN (FHA|USDA|VA) 1 $505,000 $505,000 $9,544 2.63%
    KINGSTON, NY (FHA|USDA|VA) 1 $505,000 $505,000 $19,207 5.00%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $495,000 $165,000 $2,804 3.50%
    Jackson, WY-ID (FHA|USDA|VA) 1 $485,000 $485,000 $0 2.25%
    ROME, GA (FHA|USDA|VA) 1 $475,000 $475,000 $0 2.25%
    Heber, UT (FHA|USDA|VA) 2 $450,000 $225,000 $0 2.63%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $430,000 $215,000 $1,268 2.87%
    FORT WAYNE, IN (FHA|USDA|VA) 3 $425,000 $141,667 $1,147 3.04%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $420,000 $210,000 $2,274 2.44%
    DUBUQUE, IA (FHA|USDA|VA) 1 $415,000 $415,000 $0 2.13%
    Morgan City, LA (FHA|USDA|VA) 2 $410,000 $205,000 $3,276 2.75%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $410,000 $205,000 $375 2.75%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $400,000 $200,000 $2,933 2.25%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $400,000 $200,000 $0 4.00%
    TWIN FALLS, ID (FHA|USDA|VA) 2 $400,000 $200,000 $1,374 2.94%
    YAKIMA, WA (FHA|USDA|VA) 2 $390,000 $195,000 $2,104 2.06%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $385,000 $385,000 $0 2.99%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $385,000 $385,000 $0 2.99%
    JACKSON, MI (FHA|USDA|VA) 2 $380,000 $190,000 $3,370 2.99%
    WENATCHEE, WA (FHA|USDA|VA) 1 $375,000 $375,000 $10,939 4.00%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $370,000 $185,000 $2,259 2.25%
    Beeville, TX (FHA|USDA|VA) 1 $365,000 $365,000 $6,729 3.99%
    SIOUX FALLS, SD (FHA|USDA|VA) 2 $350,000 $175,000 $1,095 3.31%
    Whitewater, WI (FHA|USDA|VA) 1 $345,000 $345,000 $2,963 2.75%
    Hailey, ID (FHA|USDA|VA) 1 $335,000 $335,000 $0 4.63%
    Stillwater, OK (FHA|USDA|VA) 1 $335,000 $335,000 $995 2.38%
    Silver City, NM (FHA|USDA|VA) 1 $335,000 $335,000 $995 2.50%
    LAWRENCE, KS (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.99%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.88%
    Jefferson, GA (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.63%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.99%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $325,000 $325,000 $0 2.88%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $320,000 $160,000 $498 2.62%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.13%
    MIDLAND, TX (FHA|USDA|VA) 1 $315,000 $315,000 $0 2.50%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $315,000 $315,000 $0 2.99%
    Kendallville, IN (FHA|USDA|VA) 2 $310,000 $155,000 $899 2.50%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $310,000 $155,000 $1,132 2.75%
    Los Alamos, NM (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.75%
    Edwards, CO (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.13%
    Kalispell, MT (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.75%
    MANSFIELD, OH (FHA|USDA|VA) 1 $295,000 $295,000 $364 2.25%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $295,000 $295,000 $370 3.38%
    Moses Lake, WA (FHA|USDA|VA) 1 $295,000 $295,000 $3,880 5.25%
    NILES, MI (FHA|USDA|VA) 1 $295,000 $295,000 $0 5.50%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 2.75%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $290,000 $145,000 $2,148 2.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $290,000 $145,000 $2,186 3.56%
    Fredericksburg, TX (FHA|USDA|VA) 1 $285,000 $285,000 $8,352 3.88%
    Shelton, WA (FHA|USDA|VA) 1 $285,000 $285,000 $995 2.99%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.13%
    ROCKFORD, IL (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.25%
    Holland, MI (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.25%
    Moscow, ID (FHA|USDA|VA) 1 $275,000 $275,000 $995 2.25%
    BILLINGS, MT (FHA|USDA|VA) 1 $275,000 $275,000 $0 2.88%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.75%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $265,000 $265,000 $2,865 2.75%
    Shelby, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.13%
    Gallup, NM (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.88%
    Prineville, OR (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.88%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $265,000 $265,000 $1,980 3.38%
    Durant, OK (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.99%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $255,000 $255,000 $2,660 3.25%
    Newport, OR (FHA|USDA|VA) 1 $255,000 $255,000 $2,576 4.38%
    COLUMBIA, SC (FHA|USDA|VA) 2 $250,000 $125,000 $1,684 3.37%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $245,000 $245,000 $8,726 4.50%
    Starkville, MS (FHA|USDA|VA) 1 $245,000 $245,000 $0 2.25%
    POCATELLO, ID (FHA|USDA|VA) 1 $235,000 $235,000 $1,351 3.13%
    Oak Harbor, WA (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.25%
    Hillsdale, MI (FHA|USDA|VA) 2 $220,000 $110,000 $1,057 2.75%
    ROANOKE, VA (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.50%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $215,000 $215,000 $12,257 3.88%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $215,000 $215,000 $495 2.38%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $205,000 $205,000 $1,245 2.50%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.63%
    Astoria, OR (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.99%
    ALTOONA, PA (FHA|USDA|VA) 1 $205,000 $205,000 $2,708 3.13%
    Laconia, NH (FHA|USDA|VA) 1 $205,000 $205,000 $3,748 2.50%
    JACKSON, TN (FHA|USDA|VA) 1 $205,000 $205,000 $1,603 2.99%
    MADISON, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,419 2.88%
    Brevard, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.75%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.13%
    Nogales, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.13%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $205,000 $205,000 $995 2.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.99%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $195,000 $195,000 $5,368 3.50%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $195,000 $195,000 $1,817 1.99%
    Klamath Falls, OR (FHA|USDA|VA) 1 $195,000 $195,000 $2,553 2.63%
    Georgetown, SC (FHA|USDA|VA) 1 $185,000 $185,000 $1,733 2.75%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $185,000 $185,000 $1,958 2.63%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.50%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $175,000 $175,000 $1,269 2.50%
    Hobbs, NM (FHA|USDA|VA) 1 $175,000 $175,000 $1,834 2.50%
    MUNCIE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $1,809 3.25%
    RAPID CITY, SD (FHA|USDA|VA) 1 $175,000 $175,000 $1,198 3.25%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $1,418 2.88%
    RACINE, WI (FHA|USDA|VA) 1 $165,000 $165,000 $1,224 3.25%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $1,506 2.99%
    Lewisburg, TN (FHA|USDA|VA) 1 $165,000 $165,000 $1,319 2.75%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $165,000 $165,000 $2,798 4.63%
    Mountain Home, AR (FHA|USDA|VA) 1 $155,000 $155,000 $1,437 3.13%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.50%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.13%
    DALTON, GA (FHA|USDA|VA) 1 $145,000 $145,000 $1,393 2.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.38%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $1,034 2.99%
    OWENSBORO, KY (FHA|USDA|VA) 1 $145,000 $145,000 $1,114 2.50%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.88%
    Tahlequah, OK (FHA|USDA|VA) 1 $145,000 $145,000 $2,409 3.13%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.25%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $135,000 $135,000 $1,009 2.88%
    Bellefontaine, OH (FHA|USDA|VA) 1 $135,000 $135,000 $1,059 3.13%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $135,000 $135,000 $1,559 3.13%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.50%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $135,000 $135,000 $0 2.38%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $135,000 $135,000 $1,300 3.25%
    Roseburg, OR (FHA|USDA|VA) 1 $135,000 $135,000 $2,288 3.13%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.13%
    Stevens Point, WI (FHA|USDA|VA) 1 $125,000 $125,000 $1,459 3.38%
    Calhoun, GA (FHA|USDA|VA) 1 $125,000 $125,000 $1,334 2.13%
    CaƱon City, CO (FHA|USDA|VA) 1 $125,000 $125,000 $1,646 2.88%
    St. Marys, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,070 3.63%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $1,784 2.63%
    SUMTER, SC (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.63%
    Tiffin, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,927 1.88%
    GREENVILLE, NC (FHA|USDA|VA) 1 $125,000 $125,000 $1,019 2.99%
    Mount Airy, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,313 4.13%
    PUEBLO, CO (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.63%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $125,000 $125,000 $1,969 2.25%
    SAN ANGELO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $1,943 2.99%
    Corsicana, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,706 2.13%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $115,000 $115,000 $2,266 2.88%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $115,000 $115,000 $1,463 2.88%
    Scottsboro, AL (FHA|USDA|VA) 1 $115,000 $115,000 $980 2.63%
    Albertville, AL (FHA|USDA|VA) 1 $105,000 $105,000 $994 2.38%
    Oil City, PA (FHA|USDA|VA) 1 $105,000 $105,000 $2,074 2.63%
    WICHITA, KS (FHA|USDA|VA) 1 $105,000 $105,000 $1,694 2.38%
    Crawfordsville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $949 2.63%
    Forest City, NC (FHA|USDA|VA) 1 $105,000 $105,000 $1,034 2.50%
    Chillicothe, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,059 2.50%
    Athens, TX (FHA|USDA|VA) 1 $105,000 $105,000 $2,977 2.75%
    Forrest City, AR (FHA|USDA|VA) 1 $105,000 $105,000 $3,252 2.75%
    MANHATTAN, KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.38%
    Ashland, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,559 2.13%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
    Rockingham, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,903 1.88%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.38%
    ODESSA, TX (FHA|USDA|VA) 1 $85,000 $85,000 $2,553 2.88%

    Impac Mortgage Corp.'s top markets include Los Angeles, Riverside, San Francisco, San Diego, and Sacramento among others.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,834 $2,842,820,000 $362,882 $2,272 3.03%
    VA 92 $48,680,000 $529,130 $7,407 2.51%

    For 2021, Impac Mortgage Corp.'s most frequently originated type of loan was Conventional, with 7,834 originations. Their 2nd most popular type was VA, with 92 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 4,317 $1,561,955,000 $361,815 $2,219 2.89%
    Cash Out Refi 2,963 $999,185,000 $337,221 $1,150 3.03%
    Home Purchase 515 $292,655,000 $568,262 $12,494 4.12%
    Other 131 $37,705,000 $287,824 $796 3.07%

    For 2021, Impac Mortgage Corp.'s most frequently cited loan purpose was Refi, with 4,317 originations. The 2nd most popular reason was Cash Out Refi, with 2,963 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,837 $2,233,775,000 $382,692 $2,593 3.21%
    15 Year 1,505 $422,455,000 $280,701 $886 2.36%
    20 Year 247 $75,895,000 $307,267 $839 2.74%
    10 Year 210 $48,910,000 $232,905 $856 2.28%
    30+ year 107 $103,655,000 $968,738 $17,531 4.17%
    Other 20 $6,810,000 $340,500 $610 2.87%

    For 2021, Impac Mortgage Corp.'s most frequently cited loan duration was 30 Year, with 5,837 originations. The 2nd most popular length was 15 Year, with 1,505 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 5,048 $1,657,130,000 $328,275
    $5k+ 702 $516,500,000 $735,755
    $1k-2k 392 $141,740,000 $361,582
    $2k-3k 259 $88,015,000 $339,826
    $3k-4k 150 $53,540,000 $356,933
    $4k-5k 126 $46,870,000 $371,984

    Impac Mortgage Corp.'s average total fees were $2,593, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,048 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 3,387 $1,156,415,000 $341,428
    3-4% 2,130 $860,170,000 $403,836
    <2.5% 1,751 $530,565,000 $303,007
    4-5% 539 $287,265,000 $532,959
    5-6% 111 $52,865,000 $476,261
    6-7% 8 $4,220,000 $527,500

    During 2021, Impac Mortgage Corp.'s average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,387 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,518 $1,310,300,000 $290,018 $996 2.91%
    $400k-600k 1,691 $807,495,000 $477,525 $1,957 3.03%
    $100k-200k 1,091 $163,345,000 $149,720 $1,694 3.08%
    $600k-1MM 417 $310,785,000 $745,288 $9,102 3.61%
    $1MM+ 203 $299,045,000 $1,473,128 $22,662 3.95%
    $100,000 or less 6 $530,000 $88,333 $2,362 3.96%

    2021 saw Impac Mortgage Corp. place emphasis on $200k-400k loans with 4,518 originations, totaling $1,310,300,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,166 $743,300,000 $343,167 $1,308 2.86%
    $150k-250k 1,574 $633,600,000 $402,541 $2,359 2.92%
    $75k-100k 1,291 $401,365,000 $310,895 $1,020 2.85%
    $50k-75k 1,153 $298,275,000 $258,695 $1,032 2.89%
    $250k+ 784 $519,150,000 $662,181 $9,597 3.45%
    $50k or less 691 $212,005,000 $306,809 $3,179 3.43%

    Impac Mortgage Corp. lent most frequently to those with incomes in the $100k-150k range, with 2,166 originations. The second most popular income band? $150k-250k, with 1,574 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,595 $552,045,000 $346,110 $2,093 2.87%
    30-36% 1,399 $503,585,000 $359,961 $1,908 2.89%
    <20% 708 $259,410,000 $366,398 $3,319 3.08%
    41% 300 $118,690,000 $395,633 $2,723 3.00%
    44% 287 $100,845,000 $351,376 $1,827 2.99%
    42% 282 $106,920,000 $379,149 $2,315 2.96%
    43% 277 $95,725,000 $345,578 $1,364 2.96%
    49% 271 $109,885,000 $405,480 $3,982 2.97%
    40% 267 $99,645,000 $373,202 $1,897 2.94%
    36% 258 $92,370,000 $358,023 $2,133 2.94%
    39% 257 $91,075,000 $354,377 $1,814 2.96%
    47% 245 $85,485,000 $348,918 $1,913 3.01%
    38% 244 $84,310,000 $345,533 $1,712 2.97%
    37% 236 $90,510,000 $383,517 $2,247 2.97%
    48% 236 $86,950,000 $368,432 $2,366 2.96%
    46% 234 $86,580,000 $370,000 $1,854 2.96%
    45% 224 $83,410,000 $372,366 $2,056 2.96%
    50-60% 70 $27,900,000 $398,571 $2,659 2.94%
    >60% 5 $2,265,000 $453,000 $2,718 3.45%

    Impac Mortgage Corp. lent most frequently to those with DTI ratios of 20-30%, with 1,595 originations. The next most common DTI ratio? 30-36%, with 1,399 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,232 $1,562,570,000 $369,227 $2,670 3.04%
    Not provided 2,561 $923,135,000 $360,459 $1,922 3.01%
    Asian 844 $307,100,000 $363,863 $1,782 2.91%
    Black 190 $64,140,000 $337,579 $2,951 3.32%
    American Indian 45 $15,235,000 $338,556 $2,927 3.04%
    Native Hawaiian or Islander 38 $11,390,000 $299,737 $782 2.86%
    Vietnamese 3 $2,835,000 $945,000 $4,266 3.25%
    Asian Indian 3 $1,505,000 $501,667 $5,879 2.50%
    Other Pacific Islander 4 $1,450,000 $362,500 $1,166 3.75%
    Filipino 2 $920,000 $460,000 $498 2.75%
    Chinese 2 $560,000 $280,000 $995 2.81%
    Native Hawaiian 1 $395,000 $395,000 $0 4.63%
    Other Asian 1 $265,000 $265,000 $0 3.50%

    Approval Rates

    Total approvals of all applications
    79.61%

    Impac Mortgage Corp. has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    62.71%

    Impac Mortgage Corp. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,926 $2,891,500,000 $364,812

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,926 $2,891,500,000 $364,812

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,233 $345,105,000 $279,891 $1,408 2.83%
    40-60% 2,672 $949,530,000 $355,363 $1,647 2.92%
    60-80% 2,460 $1,047,330,000 $425,744 $3,634 3.35%
    80-100% 352 $177,920,000 $505,455 $7,138 3.65%
    Over 100% 3 $3,405,000 $1,135,000 $38,398 2.75%
    Under 20% 124 $26,350,000 $212,500 $1,054 2.79%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    IMPAC MORTGAGE HOLDINGS, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 12.5%
    IMPAC MORTGAGE HOLDINGS, INC. Conventional home mortgage Closing on a mortgage 3 37.5%
    IMPAC MORTGAGE HOLDINGS, INC. Conventional home mortgage Trouble during payment process 2 25.0%
    IMPAC MORTGAGE HOLDINGS, INC. FHA mortgage Closing on a mortgage 1 12.5%
    IMPAC MORTGAGE HOLDINGS, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 12.5%