Impac Mortgage Corp. Rates, Fees & Info
IRVINE, CALEI: 549300U2WRK55BY8UC05
Tax ID: 80-0233937
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Mortgage Data
Review & Overview
Impac Mortgage Corp. is a small mortgage company specializing in Cash Out Refi, Refi, and Home Purchase loans. Impac Mortgage Corp. has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, San Diego, and New York among others. We have data for 377 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.92% | 4/18/24 |
| 30 Year Conventional Refi | 7.23% | 4/18/24 |
| 30 Year Cash-out Refi | 6.90% | 4/18/24 |
| 30 Year FHA Purchase | 6.51% | 4/18/24 |
| 30 Year FHA Refi | 6.65% | 4/18/24 |
| 30 Year VA Purchase | 6.53% | 4/18/24 |
| 30 Year VA Refi | 6.01% | 4/18/24 |
| 15 Year Conventional Purchase | 6.43% | 4/18/24 |
| 15 Year Conventional Refi | 5.79% | 4/18/24 |
| 15 Year Cash-out Refi | 5.79% | 4/18/24 |
| 15 Year VA Refi | 5.68% | 4/18/24 |
| 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. | ||
Impac Mortgage Corp. Mortgage Calculator
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This is not an official calculator from Impac Mortgage Corp.. 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
8,818Origination Dollar Volume (All Markets)
$2,915,820,000Awards
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IMPAC MORTGAGE CORP. - 2018
IMPAC MORTGAGE CORP. is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2,021 | $880,235,000 | $435,544 | $7,059 | 5.16% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1,068 | $318,910,000 | $298,605 | $4,903 | 5.18% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 516 | $239,740,000 | $464,612 | $6,306 | 5.23% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 362 | $151,260,000 | $417,845 | $6,063 | 5.18% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 236 | $101,230,000 | $428,941 | $13,081 | 6.46% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 347 | $100,295,000 | $289,035 | $4,019 | 5.09% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 144 | $79,320,000 | $550,833 | $5,160 | 5.29% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 232 | $73,330,000 | $316,078 | $8,998 | 6.21% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 256 | $64,820,000 | $253,203 | $5,816 | 5.61% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 129 | $53,255,000 | $412,829 | $7,600 | 5.09% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 192 | $48,950,000 | $254,948 | $5,336 | 5.62% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 147 | $32,975,000 | $224,320 | $5,566 | 5.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 86 | $30,990,000 | $360,349 | $5,531 | 5.32% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 93 | $30,145,000 | $324,140 | $6,551 | 5.83% |
| Outside of Metro Areas | 134 | $29,180,000 | $217,761 | $4,629 | 5.50% |
| STOCKTON, CA (FHA|USDA|VA) | 100 | $29,110,000 | $291,100 | $3,978 | 5.26% |
| VALLEJO, CA (FHA|USDA|VA) | 71 | $22,585,000 | $318,099 | $3,292 | 4.95% |
| FRESNO, CA (FHA|USDA|VA) | 94 | $21,060,000 | $224,043 | $4,044 | 5.57% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 102 | $21,050,000 | $206,373 | $5,544 | 6.18% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 107 | $19,885,000 | $185,841 | $4,395 | 6.18% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 47 | $18,355,000 | $390,532 | $4,927 | 5.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 51 | $18,275,000 | $358,333 | $10,541 | 5.85% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 57 | $17,925,000 | $314,474 | $6,109 | 5.51% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 82 | $17,880,000 | $218,049 | $7,602 | 6.37% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 73 | $15,335,000 | $210,068 | $4,316 | 5.26% |
| MODESTO, CA (FHA|USDA|VA) | 62 | $15,180,000 | $244,839 | $3,504 | 4.99% |
| SALINAS, CA (FHA|USDA|VA) | 32 | $14,540,000 | $454,375 | $5,765 | 5.35% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 69 | $13,735,000 | $199,058 | $5,117 | 6.23% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 29 | $13,295,000 | $458,448 | $6,464 | 5.27% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 44 | $12,870,000 | $292,500 | $7,520 | 6.10% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 51 | $11,875,000 | $232,843 | $5,835 | 6.02% |
| NAPA, CA (FHA|USDA|VA) | 26 | $10,840,000 | $416,923 | $3,475 | 5.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 49 | $9,175,000 | $187,245 | $3,947 | 5.91% |
| VISALIA, CA (FHA|USDA|VA) | 48 | $8,580,000 | $178,750 | $3,575 | 5.69% |
| BOISE CITY, ID (FHA|USDA|VA) | 29 | $7,925,000 | $273,276 | $4,506 | 5.43% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 29 | $7,545,000 | $260,172 | $7,339 | 6.10% |
| RENO, NV (FHA|USDA|VA) | 27 | $7,325,000 | $271,296 | $2,836 | 5.10% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 14 | $7,210,000 | $515,000 | $13,798 | 6.26% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 37 | $7,195,000 | $194,459 | $6,770 | 6.38% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 20 | $6,960,000 | $348,000 | $5,272 | 5.56% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 39 | $6,855,000 | $175,769 | $5,445 | 5.99% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 21 | $6,645,000 | $316,429 | $9,290 | 6.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 21 | $6,095,000 | $290,238 | $6,645 | 6.20% |
| MERCED, CA (FHA|USDA|VA) | 27 | $6,075,000 | $225,000 | $3,488 | 5.06% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 29 | $6,035,000 | $208,103 | $4,220 | 5.59% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 25 | $5,755,000 | $230,200 | $5,580 | 5.09% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 36 | $5,560,000 | $154,444 | $4,711 | 5.62% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 15 | $5,555,000 | $370,333 | $3,372 | 5.14% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 15 | $5,395,000 | $359,667 | $6,796 | 6.24% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 8 | $5,310,000 | $663,750 | $16,648 | 5.64% |
| TUCSON, AZ (FHA|USDA|VA) | 25 | $4,845,000 | $193,800 | $4,675 | 5.40% |
| CHICO, CA (FHA|USDA|VA) | 19 | $4,495,000 | $236,579 | $3,924 | 5.04% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 9 | $4,465,000 | $496,111 | $10,234 | 5.18% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 21 | $4,425,000 | $210,714 | $3,742 | 5.45% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 24 | $4,420,000 | $184,167 | $5,295 | 5.78% |
| YUBA CITY, CA (FHA|USDA|VA) | 19 | $4,245,000 | $223,421 | $2,131 | 5.19% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 18 | $4,210,000 | $233,889 | $5,122 | 4.74% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 18 | $4,160,000 | $231,111 | $6,504 | 4.65% |
| RICHMOND, VA (FHA|USDA|VA) | 18 | $4,090,000 | $227,222 | $5,104 | 5.51% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 10 | $4,030,000 | $403,000 | $16,865 | 6.98% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 15 | $3,985,000 | $265,667 | $5,774 | 5.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 10 | $3,580,000 | $358,000 | $8,703 | 5.90% |
| SALEM, OR (FHA|USDA|VA) | 14 | $3,500,000 | $250,000 | $9,074 | 5.79% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 20 | $3,480,000 | $174,000 | $5,426 | 6.29% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 13 | $3,415,000 | $262,692 | $6,518 | 7.49% |
| MADERA, CA (FHA|USDA|VA) | 16 | $3,390,000 | $211,875 | $2,368 | 5.34% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 16 | $3,390,000 | $211,875 | $4,927 | 6.77% |
| PITTSBURGH, PA (FHA|USDA|VA) | 21 | $3,325,000 | $158,333 | $4,406 | 5.66% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 20 | $3,300,000 | $165,000 | $5,548 | 6.60% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 16 | $3,170,000 | $198,125 | $5,219 | 6.07% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 7 | $2,755,000 | $393,571 | $5,601 | 5.61% |
| MEDFORD, OR (FHA|USDA|VA) | 10 | $2,750,000 | $275,000 | $4,129 | 5.72% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 14 | $2,730,000 | $195,000 | $5,306 | 6.19% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 8 | $2,690,000 | $336,250 | $7,733 | 6.54% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 16 | $2,530,000 | $158,125 | $6,972 | 6.51% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 10 | $2,400,000 | $240,000 | $6,886 | 6.30% |
| Kapaa, HI (FHA|USDA|VA) | 6 | $2,370,000 | $395,000 | $7,357 | 5.42% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 12 | $2,270,000 | $189,167 | $4,430 | 6.28% |
| PROVO-OREM, UT (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $5,995 | 5.30% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 9 | $2,205,000 | $245,000 | $13,919 | 7.13% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 8 | $2,200,000 | $275,000 | $4,761 | 4.82% |
| REDDING, CA (FHA|USDA|VA) | 12 | $2,170,000 | $180,833 | $2,452 | 4.95% |
| Port Angeles, WA (FHA|USDA|VA) | 8 | $2,150,000 | $268,750 | $6,977 | 4.97% |
| BEND, OR (FHA|USDA|VA) | 7 | $2,145,000 | $306,429 | $8,725 | 5.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 13 | $2,095,000 | $161,154 | $4,118 | 6.08% |
| BOULDER, CO (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $5,233 | 5.48% |
| BELLINGHAM, WA (FHA|USDA|VA) | 6 | $2,060,000 | $343,333 | $5,674 | 5.54% |
| TWIN FALLS, ID (FHA|USDA|VA) | 9 | $2,035,000 | $226,111 | $4,190 | 4.69% |
| GRANTS PASS, OR (FHA|USDA|VA) | 7 | $2,025,000 | $289,286 | $9,591 | 5.88% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 8 | $2,010,000 | $251,250 | $6,124 | 4.83% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 9 | $1,975,000 | $219,444 | $7,579 | 5.21% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $1,955,000 | $217,222 | $2,935 | 5.96% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 12 | $1,850,000 | $154,167 | $4,682 | 5.31% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $1,840,000 | $920,000 | $12,760 | 6.44% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $5,578 | 6.19% |
| KNOXVILLE, TN (FHA|USDA|VA) | 8 | $1,790,000 | $223,750 | $2,687 | 6.31% |
| Outside of Metro Areas | 8 | $1,760,000 | $220,000 | $6,948 | 5.72% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $6,314 | 5.48% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $4,257 | 6.19% |
| Clearlake, CA (FHA|USDA|VA) | 9 | $1,715,000 | $190,556 | $2,226 | 5.35% |
| Heber, UT (FHA|USDA|VA) | 3 | $1,645,000 | $548,333 | $19,713 | 5.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $5,747 | 5.85% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $1,600,000 | $266,667 | $4,951 | 5.18% |
| Hilo, HI (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $13,099 | 5.34% |
| Kalispell, MT (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $2,353 | 5.60% |
| ST. GEORGE, UT (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $7,633 | 5.40% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $3,743 | 6.37% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $4,200 | 6.19% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $2,859 | 6.15% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $6,897 | 4.08% |
| Oak Harbor, WA (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $5,942 | 5.08% |
| SAVANNAH, GA (FHA|USDA|VA) | 10 | $1,370,000 | $137,000 | $4,654 | 6.35% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,330,000 | $166,250 | $3,289 | 6.17% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 9 | $1,325,000 | $147,222 | $3,604 | 5.69% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 8 | $1,310,000 | $163,750 | $4,744 | 5.16% |
| EL PASO, TX (FHA|USDA|VA) | 10 | $1,300,000 | $130,000 | $4,632 | 6.97% |
| YAKIMA, WA (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $4,762 | 4.43% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 8 | $1,270,000 | $158,750 | $1,559 | 5.80% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 7 | $1,245,000 | $177,857 | $2,738 | 4.95% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 8 | $1,210,000 | $151,250 | $5,312 | 5.84% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $4,563 | 6.79% |
| MIDLAND, TX (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $3,314 | 6.00% |
| Coos Bay, OR (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $3,282 | 4.62% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $5,293 | 6.83% |
| Ukiah, CA (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $1,015 | 5.06% |
| TYLER, TX (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $5,108 | 6.20% |
| Breckenridge, CO (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $3,881 | 4.84% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $4,996 | 5.78% |
| WALLA WALLA, WA (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $6,190 | 4.68% |
| Granbury, TX (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $3,712 | 5.71% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $2,561 | 5.75% |
| LONGVIEW, WA (FHA|USDA|VA) | 6 | $1,020,000 | $170,000 | $5,050 | 5.23% |
| Fernley, NV (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $2,030 | 5.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $5,757 | 7.06% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 7 | $985,000 | $140,714 | $3,811 | 5.45% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $5,977 | 5.94% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $4,113 | 5.23% |
| Key West, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $11,039 | 6.42% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $10,635 | 6.58% |
| Sonora, CA (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $8,663 | 5.47% |
| Red Bluff, CA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $2,120 | 5.00% |
| MORGANTOWN, WV (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $5,036 | 6.04% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $6,985 | 6.83% |
| YUMA, AZ (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $3,187 | 4.83% |
| Klamath Falls, OR (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $4,851 | 5.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $2,719 | 6.50% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $2,877 | 5.47% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $8,207 | 6.53% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $3,726 | 5.22% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $6,712 | 6.00% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $7,358 | 7.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 7 | $795,000 | $113,571 | $2,301 | 6.32% |
| Roseburg, OR (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,448 | 4.71% |
| Shelton, WA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,201 | 4.75% |
| OCALA, FL (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $3,944 | 5.37% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $710,000 | $118,333 | $3,837 | 5.54% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $4,984 | 6.33% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,266 | 5.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $1,822 | 5.67% |
| Newport, OR (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $8,557 | 6.13% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $5,468 | 7.87% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $1,219 | 5.62% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $5,815 | 6.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $6,062 | 5.97% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,486 | 5.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $3,521 | 5.97% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,207 | 5.83% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,558 | 7.04% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $4,658 | 4.56% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $4,014 | 6.00% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 5.69% |
| READING, PA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $6,302 | 6.13% |
| LANCASTER, PA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $3,306 | 5.59% |
| Torrington, CT (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $24,744 | 6.50% |
| Edwards, CO (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,119 | 7.08% |
| EL CENTRO, CA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,204 | 4.54% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,901 | 7.19% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $1,220 | 6.13% |
| AMARILLO, TX (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $3,496 | 6.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,575 | 6.33% |
| LUBBOCK, TX (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $3,583 | 5.44% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $5,897 | 6.04% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $11,210 | 4.31% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $3,268 | 5.81% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $3,200 | 5.90% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $2,722 | 6.94% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,052 | 6.31% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $9,818 | 7.06% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $2,971 | 6.44% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $3,692 | 5.58% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 6.13% |
| Boone, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,407 | 6.38% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $2,971 | 6.66% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,158 | 5.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,763 | 8.06% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $17,830 | 6.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $6,876 | 6.08% |
| Pullman, WA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,566 | 6.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,810 | 6.20% |
| SAN ANGELO, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,742 | 5.50% |
| Payson, AZ (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $4,384 | 5.17% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,577 | 7.50% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,993 | 6.19% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,087 | 7.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $7,413 | 5.83% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,300 | 7.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $10,709 | 6.44% |
| MUSKEGON, MI (FHA|USDA|VA) | 5 | $425,000 | $85,000 | $0 | 6.40% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,023 | 4.58% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,716 | 6.63% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,292 | 6.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,036 | 4.94% |
| Brookings, OR (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,938 | 5.06% |
| Susanville, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,718 | 6.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,306 | 6.12% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,543 | 4.50% |
| TULSA, OK (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,506 | 7.25% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,653 | 4.75% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,446 | 5.88% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 5.88% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,045 | 6.25% |
| Jamestown, ND (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $4,347 | 4.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $3,808 | 6.21% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,419 | 5.69% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $18,491 | 6.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,380 | 6.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $4,103 | 6.04% |
| Astoria, OR (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,611 | 5.69% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,716 | 6.44% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,502 | 4.88% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,864 | 6.68% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 4.99% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $3,886 | 6.92% |
| MONROE, LA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,015 | 4.75% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,031 | 5.44% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,347 | 6.19% |
| Hailey, ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 4.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $3,899 | 5.04% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,794 | 6.99% |
| AKRON, OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,768 | 5.88% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,889 | 4.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,776 | 6.25% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,561 | 7.88% |
| FLINT, MI (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $7,936 | 6.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,330 | 5.50% |
| JACKSON, TN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,432 | 6.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $2,944 | 6.88% |
| Durango, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,015 | 4.88% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,929 | 4.13% |
| Las Vegas, NM (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 6.63% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.50% |
| Sanford, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,581 | 3.99% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,942 | 3.75% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,483 | 6.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.99% |
| Pottsville, PA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,885 | 5.31% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,132 | 6.13% |
| Roswell, NM (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,897 | 5.81% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,003 | 3.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,051 | 5.81% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,372 | 4.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,181 | 7.13% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,404 | 5.38% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,675 | 7.50% |
| Miami, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,302 | 4.88% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,529 | 5.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,783 | 6.75% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.75% |
| Hudson, NY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,676 | 4.87% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,030 | 6.06% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,528 | 7.13% |
| Othello, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,844 | 4.88% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,297 | 4.38% |
| Safford, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,015 | 7.25% |
| Jacksonville, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,922 | 4.69% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,256 | 5.88% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,585 | 4.88% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,824 | 4.88% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 6.63% |
| Taos, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,449 | 5.88% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.75% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,133 | 4.25% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,864 | 5.88% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,787 | 6.00% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,812 | 5.38% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,842 | 7.99% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,065 | 8.37% |
| Craig, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,664 | 4.99% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,535 | 5.13% |
| Palatka, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,095 | 6.88% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,970 | 5.63% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,837 | 4.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,349 | 5.00% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,981 | 6.88% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,170 | 4.50% |
| Marion, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,676 | 5.38% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,064 | 5.63% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 6.50% |
| WACO, TX (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,428 | 7.06% |
| ROME, GA (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,768 | 7.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,452 | 4.99% |
| Montrose, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,777 | 8.00% |
| Mitchell, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,355 | 4.88% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,187 | 8.13% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,433 | 4.99% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,362 | 7.06% |
| Shelby, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,988 | 8.13% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,365 | 7.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,612 | 5.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,580 | 5.38% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,110 | 8.88% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,264 | 5.75% |
| Murray, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,139 | 5.88% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.88% |
| NILES, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.63% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,961 | 4.99% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,213 | 4.75% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,945 | 5.13% |
| Centralia, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,574 | 4.75% |
| Keene, NH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.99% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,509 | 3.75% |
| Burley, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,144 | 4.99% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,868 | 7.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.13% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,890 | 3.99% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,390 | 4.99% |
| Rockport, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,492 | 7.99% |
| ERIE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,350 | 4.13% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.99% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,195 | 5.88% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,992 | 7.38% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,852 | 4.63% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,587 | 4.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.25% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,772 | 5.25% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,503 | 5.25% |
| Lake City, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,074 | 4.38% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,138 | 4.75% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,877 | 5.13% |
| Zapata, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,914 | 8.99% |
| Andrews, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,473 | 4.75% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,824 | 5.50% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,276 | 5.25% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,161 | 5.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,034 | 7.13% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,697 | 8.38% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,702 | 7.99% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,976 | 4.75% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,285 | 5.63% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.50% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,737 | 4.88% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,712 | 5.50% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.63% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,522 | 7.75% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.88% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,213 | 5.63% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,726 | 4.88% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,122 | 4.50% |
| Danville, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,434 | 4.88% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,020 | 5.63% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.50% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.38% |
| Meridian, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,400 | 6.25% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,271 | 4.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.38% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,762 | 8.37% |
| Albertville, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,020 | 5.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,535 | 5.63% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,828 | 5.25% |
| Kinston, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.75% |
| Snyder, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,796 | 8.38% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,237 | 5.25% |
| Connersville, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.38% |
| Paris, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,502 | 5.88% |
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Product Mix
For 2018, Impac Mortgage Corp.'s most frequently originated type of loan was Conventional, with 7,372 originations. Their 2nd most popular type was FHA, with 976 originations.
Loan Reason
For 2018, Impac Mortgage Corp.'s most frequently cited loan purpose was Cash Out Refi, with 3,419 originations. The 2nd most popular reason was Refi, with 2,363 originations.
Loan Duration/Length
For 2018, Impac Mortgage Corp.'s most frequently cited loan duration was 30 Year, with 8,056 originations. The 2nd most popular length was 15 Year, with 531 originations.
Origination Fees/Closing Costs
Impac Mortgage Corp.'s average total fees were $6,200, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,204 originations.
Interest Rates
During 2018, Impac Mortgage Corp.'s average interest rate for loans was 5.57%, while their most frequently originated rate bucket for loans was 4-5%, with 3,479 originations.
Loan Sizing
2018 saw Impac Mortgage Corp. place emphasis on $200k-400k loans with 4,076 originations, totaling $1,182,030,000 in origination value.
Applicant Income
Impac Mortgage Corp. lent most frequently to those with incomes in the $100k-150k range, with 1,781 originations. The second most popular income band? $50k or less, with 1,588 originations.
Applicant Debt to Income Ratio
Impac Mortgage Corp. lent most frequently to those with DTI ratios of 30-36%, with 979 originations. The next most common DTI ratio? 20-30%, with 871 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications70.95%
Impac Mortgage Corp. has a below average approval rate.
Pick Rate
Approvals leading to origination43.52%
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 | 8,818 | $2,915,820,000 | $330,667 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 72 | $13,440,000 | $186,667 |
| Single Family (1-4 Units):Site-Built | 8,746 | $2,902,380,000 | $331,852 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| IMPAC MORTGAGE HOLDINGS, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 6.7% |
| IMPAC MORTGAGE HOLDINGS, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 6.7% |
| IMPAC MORTGAGE HOLDINGS, INC. | Conventional home mortgage | Struggling to pay mortgage | 1 | 6.7% |
| IMPAC MORTGAGE HOLDINGS, INC. | Conventional home mortgage | Trouble during payment process | 6 | 40.0% |
| IMPAC MORTGAGE HOLDINGS, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 13.3% |
| IMPAC MORTGAGE HOLDINGS, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 6.7% |
| IMPAC MORTGAGE HOLDINGS, INC. | Other type of mortgage | Trouble during payment process | 1 | 6.7% |
| IMPAC MORTGAGE HOLDINGS, INC. | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 6.7% |
| IMPAC MORTGAGE HOLDINGS, INC. | VA mortgage | Trouble during payment process | 1 | 6.7% |