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 mid-sized mortgage company specializing in Refi and Cash Out Refi loans. Impac Mortgage Corp. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, San Diego, and Sacramento among others. We have data for 340 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 | 7.92% | 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
12,385Origination Dollar Volume (All Markets)
$4,473,245,000Awards
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IMPAC MORTGAGE CORP. - 2019
IMPAC MORTGAGE CORP. is a 2019 , due to their low .
For 2019, 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) | 3,665 | $1,569,275,000 | $428,179 | $3,321 | 4.14% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1,626 | $518,210,000 | $318,702 | $2,501 | 4.18% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 876 | $404,080,000 | $461,279 | $3,158 | 4.18% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 612 | $255,940,000 | $418,203 | $2,986 | 4.15% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 662 | $223,560,000 | $337,704 | $1,950 | 4.01% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 216 | $116,010,000 | $537,083 | $3,620 | 4.21% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 282 | $113,770,000 | $403,440 | $2,558 | 4.02% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 191 | $87,825,000 | $459,817 | $15,320 | 6.18% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 285 | $85,485,000 | $299,947 | $4,663 | 4.92% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 249 | $67,205,000 | $269,900 | $3,019 | 4.74% |
| STOCKTON, CA (FHA|USDA|VA) | 186 | $61,050,000 | $328,226 | $2,620 | 4.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 157 | $52,525,000 | $334,554 | $8,928 | 6.04% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 102 | $41,530,000 | $407,157 | $1,811 | 4.11% |
| FRESNO, CA (FHA|USDA|VA) | 174 | $39,800,000 | $228,736 | $2,612 | 4.96% |
| VALLEJO, CA (FHA|USDA|VA) | 112 | $37,740,000 | $336,964 | $2,485 | 4.11% |
| MODESTO, CA (FHA|USDA|VA) | 132 | $35,350,000 | $267,803 | $2,147 | 4.03% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 120 | $34,000,000 | $283,333 | $5,941 | 5.49% |
| SALINAS, CA (FHA|USDA|VA) | 90 | $31,930,000 | $354,778 | $1,641 | 4.28% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 110 | $25,130,000 | $228,455 | $6,347 | 5.85% |
| Outside of Metro Areas | 105 | $24,385,000 | $232,238 | $2,920 | 4.73% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 65 | $24,315,000 | $374,077 | $3,379 | 4.53% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 74 | $23,510,000 | $317,703 | $3,781 | 4.90% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 43 | $20,425,000 | $475,000 | $10,609 | 5.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 44 | $20,280,000 | $460,909 | $4,247 | 4.19% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 57 | $20,245,000 | $355,175 | $2,287 | 4.04% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 67 | $19,895,000 | $296,940 | $3,430 | 4.65% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 48 | $19,820,000 | $412,917 | $2,367 | 4.51% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 91 | $19,245,000 | $211,484 | $2,122 | 4.80% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 72 | $18,570,000 | $257,917 | $6,098 | 6.02% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 24 | $15,380,000 | $640,833 | $9,345 | 5.80% |
| VISALIA, CA (FHA|USDA|VA) | 80 | $15,250,000 | $190,625 | $2,484 | 5.37% |
| NAPA, CA (FHA|USDA|VA) | 29 | $14,005,000 | $482,931 | $4,116 | 3.96% |
| RENO, NV (FHA|USDA|VA) | 41 | $12,645,000 | $308,415 | $4,569 | 4.13% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 59 | $11,755,000 | $199,237 | $7,143 | 6.22% |
| CHICO, CA (FHA|USDA|VA) | 42 | $11,530,000 | $274,524 | $1,860 | 4.16% |
| BOISE CITY, ID (FHA|USDA|VA) | 46 | $11,200,000 | $243,478 | $4,265 | 4.90% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 37 | $10,535,000 | $284,730 | $3,513 | 4.84% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 29 | $10,205,000 | $351,897 | $2,866 | 4.27% |
| MERCED, CA (FHA|USDA|VA) | 40 | $9,620,000 | $240,500 | $2,506 | 4.32% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 38 | $9,610,000 | $252,895 | $4,986 | 6.01% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 36 | $8,840,000 | $245,556 | $3,143 | 4.36% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 38 | $8,500,000 | $223,684 | $4,622 | 6.03% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 49 | $8,195,000 | $167,245 | $3,692 | 6.14% |
| REDDING, CA (FHA|USDA|VA) | 29 | $7,625,000 | $262,931 | $1,985 | 4.72% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 37 | $7,235,000 | $195,541 | $2,950 | 5.71% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 28 | $7,200,000 | $257,143 | $3,921 | 5.66% |
| YUBA CITY, CA (FHA|USDA|VA) | 27 | $6,515,000 | $241,296 | $1,893 | 4.05% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 17 | $5,995,000 | $352,647 | $3,325 | 4.87% |
| TUCSON, AZ (FHA|USDA|VA) | 28 | $5,830,000 | $208,214 | $3,411 | 4.96% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 21 | $5,655,000 | $269,286 | $4,739 | 5.36% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 29 | $5,625,000 | $193,966 | $3,663 | 5.48% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 18 | $5,360,000 | $297,778 | $1,827 | 3.84% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 8 | $5,120,000 | $640,000 | $6,490 | 5.64% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 18 | $4,860,000 | $270,000 | $5,733 | 5.80% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 14 | $4,380,000 | $312,857 | $3,763 | 4.72% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 25 | $4,365,000 | $174,600 | $7,256 | 6.04% |
| FORT COLLINS, CO (FHA|USDA|VA) | 14 | $4,290,000 | $306,429 | $4,771 | 5.06% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 15 | $4,285,000 | $285,667 | $2,260 | 5.16% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $4,090,000 | $1,022,500 | $31,289 | 6.59% |
| PITTSBURGH, PA (FHA|USDA|VA) | 18 | $4,050,000 | $225,000 | $4,462 | 5.42% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 15 | $4,025,000 | $268,333 | $3,565 | 5.52% |
| Hilo, HI (FHA|USDA|VA) | 8 | $3,910,000 | $488,750 | $7,608 | 5.03% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 17 | $3,905,000 | $229,706 | $1,997 | 4.82% |
| MADERA, CA (FHA|USDA|VA) | 18 | $3,730,000 | $207,222 | $2,255 | 4.84% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 13 | $3,725,000 | $286,538 | $8,019 | 6.49% |
| PROVO-OREM, UT (FHA|USDA|VA) | 11 | $3,475,000 | $315,909 | $6,026 | 5.00% |
| BEND, OR (FHA|USDA|VA) | 9 | $3,355,000 | $372,778 | $1,402 | 4.01% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 20 | $3,280,000 | $164,000 | $4,740 | 6.43% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 11 | $3,275,000 | $297,727 | $7,143 | 6.97% |
| Outside of Metro Areas | 10 | $3,150,000 | $315,000 | $8,874 | 4.64% |
| Ukiah, CA (FHA|USDA|VA) | 10 | $3,140,000 | $314,000 | $1,350 | 4.59% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $2,710,000 | $451,667 | $4,714 | 5.46% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 18 | $2,670,000 | $148,333 | $3,787 | 5.54% |
| BOULDER, CO (FHA|USDA|VA) | 8 | $2,640,000 | $330,000 | $2,410 | 4.87% |
| COLUMBUS, OH (FHA|USDA|VA) | 19 | $2,635,000 | $138,684 | $2,955 | 6.02% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 8 | $2,600,000 | $325,000 | $2,784 | 4.34% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 12 | $2,550,000 | $212,500 | $3,463 | 5.71% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 11 | $2,505,000 | $227,727 | $8,217 | 6.93% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 7 | $2,485,000 | $355,000 | $9,693 | 6.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 9 | $2,485,000 | $276,111 | $1,254 | 3.92% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 10 | $2,380,000 | $238,000 | $5,870 | 5.44% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 12 | $2,330,000 | $194,167 | $5,153 | 6.24% |
| Sonora, CA (FHA|USDA|VA) | 8 | $2,260,000 | $282,500 | $2,052 | 4.43% |
| SALEM, OR (FHA|USDA|VA) | 9 | $2,245,000 | $249,444 | $1,471 | 4.90% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $2,230,000 | $371,667 | $4,958 | 5.14% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 5 | $2,145,000 | $429,000 | $10,928 | 6.67% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 13 | $2,025,000 | $155,769 | $2,099 | 4.47% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 10 | $1,980,000 | $198,000 | $6,765 | 6.75% |
| MEDFORD, OR (FHA|USDA|VA) | 7 | $1,925,000 | $275,000 | $3,080 | 4.86% |
| Sandpoint, ID (FHA|USDA|VA) | 5 | $1,915,000 | $383,000 | $8,107 | 4.28% |
| GREELEY, CO (FHA|USDA|VA) | 8 | $1,880,000 | $235,000 | $2,968 | 4.89% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 9 | $1,865,000 | $207,222 | $7,246 | 6.85% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 9 | $1,855,000 | $206,111 | $3,520 | 6.15% |
| Rexburg, ID (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $10,182 | 5.78% |
| ST. GEORGE, UT (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $1,369 | 4.10% |
| GAINESVILLE, GA (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $14,420 | 5.70% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $3,828 | 6.27% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $7,787 | 5.75% |
| Payson, AZ (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $11,076 | 5.78% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,700,000 | $283,333 | $3,251 | 5.96% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $2,367 | 5.35% |
| BATON ROUGE, LA (FHA|USDA|VA) | 13 | $1,655,000 | $127,308 | $2,737 | 5.29% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $3,020 | 5.31% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 10 | $1,640,000 | $164,000 | $2,557 | 5.64% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $3,480 | 6.50% |
| Clearlake, CA (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $7,489 | 5.12% |
| CARSON CITY, NV (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $2,789 | 4.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 12 | $1,550,000 | $129,167 | $2,398 | 5.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $4,793 | 4.94% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $2,069 | 5.69% |
| SAVANNAH, GA (FHA|USDA|VA) | 12 | $1,450,000 | $120,833 | $3,798 | 6.17% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 9 | $1,435,000 | $159,444 | $2,812 | 6.08% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 8 | $1,420,000 | $177,500 | $2,997 | 5.87% |
| Heber, UT (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $1,648 | 3.93% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $958 | 4.28% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $2,457 | 4.65% |
| EL CENTRO, CA (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $2,312 | 5.08% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 8 | $1,270,000 | $158,750 | $5,543 | 5.73% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 8 | $1,260,000 | $157,500 | $1,985 | 4.66% |
| Newport, OR (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $2,889 | 5.72% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $2,967 | 4.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $2,167 | 4.32% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $5,755 | 3.47% |
| Red Bluff, CA (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $2,523 | 4.53% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 7 | $1,105,000 | $157,857 | $2,452 | 5.82% |
| TWIN FALLS, ID (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $3,973 | 4.17% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $1,668 | 6.13% |
| TYLER, TX (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $10,579 | 5.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $7,014 | 6.25% |
| PUEBLO, CO (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $3,161 | 5.25% |
| SANTA FE, NM (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $6,183 | 6.87% |
| GRANTS PASS, OR (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $995 | 5.04% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $2,190 | 4.46% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $2,610 | 3.42% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $2,170 | 5.46% |
| Pahrump, NV (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $3,761 | 5.27% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $3,890 | 6.60% |
| OCALA, FL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $2,573 | 4.81% |
| Hailey, ID (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $15,642 | 4.75% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $1,421 | 3.96% |
| AKRON, OH (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $9,149 | 5.97% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $1,015 | 6.75% |
| Brookings, OR (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $3,352 | 4.42% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $1,321 | 3.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $2,893 | 6.97% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $6,113 | 6.96% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $720 | 3.75% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $3,103 | 6.48% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $1,309 | 5.75% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,765 | 5.00% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $755 | 4.31% |
| READING, PA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $11,948 | 7.33% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $14,359 | 6.88% |
| YUMA, AZ (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $4,824 | 5.34% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,412 | 4.58% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,288 | 7.00% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 5.31% |
| Taos, NM (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,329 | 6.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,836 | 5.58% |
| BISMARCK, ND (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $1,739 | 4.58% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $5,927 | 6.00% |
| Key West, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,069 | 4.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $7,995 | 6.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,319 | 6.71% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $20,230 | 5.38% |
| Show Low, AZ (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $2,353 | 6.22% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,744 | 6.12% |
| TULSA, OK (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $4,458 | 5.44% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $13,366 | 5.63% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $848 | 3.50% |
| Alamogordo, NM (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 4.81% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,697 | 4.24% |
| Fernley, NV (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $1,127 | 3.96% |
| HAMMOND, LA (FHA|USDA|VA) | 5 | $535,000 | $107,000 | $0 | 5.50% |
| Granbury, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,742 | 4.31% |
| Cañon City, CO (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $1,850 | 3.95% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,533 | 7.13% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,112 | 6.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $9,640 | 6.62% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,414 | 5.92% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $9,355 | 7.94% |
| Pierre, SD (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,415 | 2.99% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $995 | 2.99% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $1,925 | 4.13% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 7.25% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $709 | 4.13% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,662 | 3.69% |
| Durant, OK (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,465 | 7.75% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $10,342 | 6.88% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,639 | 5.50% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,030 | 6.88% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $1,744 | 4.81% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,192 | 4.56% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,865 | 4.17% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $0 | 6.29% |
| Easton, MD (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 6.25% |
| MUNCIE, IN (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $0 | 6.44% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,495 | 4.56% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,146 | 4.06% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $3,174 | 5.72% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $3,542 | 5.71% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $1,798 | 3.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $1,350 | 5.04% |
| FLINT, MI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,015 | 5.19% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,749 | 7.19% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,217 | 4.25% |
| Oxford, MS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $495 | 3.63% |
| Roseburg, OR (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,073 | 4.75% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 7.75% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,527 | 4.68% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,362 | 7.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,401 | 4.99% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 4.99% |
| MADISON, WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,537 | 3.69% |
| WACO, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,120 | 5.56% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,787 | 4.19% |
| Jesup, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,103 | 4.38% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 6.75% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,100 | 2.99% |
| Durango, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.99% |
| DALTON, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,617 | 7.13% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,391 | 6.38% |
| Moscow, ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $995 | 2.99% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 3.63% |
| Juneau, AK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,661 | 4.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $995 | 3.99% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,559 | 4.56% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,144 | 8.38% |
| Nogales, AZ (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,873 | 4.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 5.13% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,363 | 6.75% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,001 | 5.99% |
| Clinton, IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $995 | 3.75% |
| Lake City, FL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,505 | 4.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.75% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,516 | 5.50% |
| Williston, ND (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $995 | 3.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $995 | 4.13% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $995 | 4.50% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,677 | 3.88% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 6.69% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,123 | 6.56% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 7.44% |
| Rutland, VT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,075 | 6.88% |
| Miami, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $995 | 3.63% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $995 | 3.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 6.56% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,264 | 8.63% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,691 | 3.25% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $802 | 3.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $995 | 6.63% |
| Branson, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 7.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,677 | 3.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,431 | 7.25% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $995 | 3.99% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,039 | 6.63% |
| Holland, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 5.06% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,861 | 5.13% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,522 | 3.63% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,723 | 6.38% |
| Ashland, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,572 | 4.38% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,610 | 4.63% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,437 | 3.50% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,800 | 4.00% |
| Ludington, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,955 | 4.75% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,397 | 5.25% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,735 | 6.13% |
| Indiana, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.99% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,822 | 8.13% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,894 | 3.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.50% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,321 | 4.25% |
| Susanville, CA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,247 | 4.94% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,570 | 6.63% |
| Peru, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,168 | 3.88% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,984 | 4.38% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,513 | 6.19% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,558 | 5.63% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,803 | 3.88% |
| Edwards, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.99% |
| London, KY (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 6.56% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,947 | 3.38% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $777 | 3.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.25% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.50% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.88% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.13% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,590 | 6.99% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.50% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,524 | 4.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,887 | 3.38% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,934 | 4.99% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,840 | 3.38% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,377 | 3.75% |
| Española, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,459 | 6.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,428 | 5.88% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.25% |
| La Grande, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,924 | 7.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,507 | 5.38% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,355 | 3.75% |
| Laconia, NH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $995 | 3.75% |
| Andrews, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,456 | 3.99% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,552 | 3.38% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.50% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,357 | 4.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,241 | 5.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| Murray, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,321 | 5.88% |
| Boone, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,209 | 6.63% |
| Shelby, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,203 | 4.50% |
| Seneca, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,972 | 4.25% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.13% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,032 | 4.38% |
| Vernon, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,442 | 7.88% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.13% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.63% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.63% |
| Safford, AZ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,393 | 4.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,372 | 3.99% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,026 | 4.38% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,703 | 4.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,832 | 7.00% |
| Wilson, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.63% |
| Beeville, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,825 | 6.13% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,623 | 5.38% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.25% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,104 | 4.99% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.88% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.50% |
| Shelton, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.75% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,811 | 8.38% |
| Athens, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,000 | 5.99% |
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Product Mix
For 2019, Impac Mortgage Corp.'s most frequently originated type of loan was Conventional, with 11,851 originations. Their 2nd most popular type was FHA, with 381 originations.
Loan Reason
For 2019, Impac Mortgage Corp.'s most frequently cited loan purpose was Refi, with 5,702 originations. The 2nd most popular reason was Cash Out Refi, with 5,065 originations.
Loan Duration/Length
For 2019, Impac Mortgage Corp.'s most frequently cited loan duration was 30 Year, with 10,393 originations. The 2nd most popular length was 15 Year, with 1,493 originations.
Origination Fees/Closing Costs
Impac Mortgage Corp.'s average total fees were $3,844, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,843 originations.
Interest Rates
During 2019, Impac Mortgage Corp.'s average interest rate for loans was 4.67%, while their most frequently originated rate bucket for loans was 3-4%, with 6,314 originations.
Loan Sizing
2019 saw Impac Mortgage Corp. place emphasis on $200k-400k loans with 6,260 originations, totaling $1,892,540,000 in origination value.
Applicant Income
Impac Mortgage Corp. lent most frequently to those with incomes in the $100k-150k range, with 3,394 originations. The second most popular income band? $150k-250k, with 2,306 originations.
Applicant Debt to Income Ratio
Impac Mortgage Corp. lent most frequently to those with DTI ratios of 30-36%, with 1,998 originations. The next most common DTI ratio? 20-30%, with 1,951 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.14%
Impac Mortgage Corp. has a below average approval rate.
Pick Rate
Approvals leading to origination58.31%
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 | 12,385 | $4,473,245,000 | $361,182 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 40 | $7,390,000 | $184,750 |
| Single Family (1-4 Units):Site-Built | 12,345 | $4,465,855,000 | $361,754 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| IMPAC MORTGAGE HOLDINGS, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 14.3% |
| IMPAC MORTGAGE HOLDINGS, INC. | Conventional home mortgage | Closing on a mortgage | 3 | 14.3% |
| IMPAC MORTGAGE HOLDINGS, INC. | Conventional home mortgage | Struggling to pay mortgage | 2 | 9.5% |
| IMPAC MORTGAGE HOLDINGS, INC. | Conventional home mortgage | Trouble during payment process | 13 | 61.9% |