Ntfn Mortgage Rates, Fees & Info
LEWISVILLE, TXLEI: 549300ZMO1A0DHCESP30
Tax ID: 75-2725402
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Mortgage Data
Review & Overview
Ntfn is a smaller mortgage company specializing in Home Purchase loans. Ntfn has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Houston, Austin, Charleston, and Little Rock among others. We have data for 84 markets. (Some data included below & more in-depth data is available with an active subscription.)Ntfn has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ntfn is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.92% | 12/16/24 |
| 30 Year Conventional Refi | 6.65% | 12/16/24 |
| 30 Year Cash-out Refi | 6.93% | 12/16/24 |
| 30 Year FHA Purchase | 7.67% | 12/16/24 |
| 30 Year FHA Refi | 6.27% | 12/16/24 |
| 30 Year VA Purchase | 6.51% | 12/16/24 |
| 30 Year VA Refi | 6.27% | 12/16/24 |
| 30 Year USDA Purchase | 7.01% | 12/16/24 |
| 15 Year Conventional Purchase | 6.50% | 12/16/24 |
| 15 Year Conventional Refi | 6.40% | 12/16/24 |
| 15 Year Cash-out Refi | 6.40% | 12/16/24 |
| 15 Year FHA Purchase | 5.68% | 12/16/24 |
| 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. | ||
Ntfn Mortgage Calculator
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This is not an official calculator from Ntfn. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,908Origination Dollar Volume (All Markets)
$598,620,000Awards
NTFN - 2018
NTFN 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 994 | $245,390,000 | $246,871 | $5,645 | 4.99% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 270 | $54,810,000 | $203,000 | $5,573 | 5.07% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 168 | $47,790,000 | $284,464 | $5,463 | 4.85% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 178 | $30,710,000 | $172,528 | $4,811 | 4.45% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 174 | $25,980,000 | $149,310 | $4,232 | 4.93% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 107 | $21,165,000 | $197,804 | $5,276 | 4.96% |
| Cookeville, TN (FHA|USDA|VA) | 119 | $19,195,000 | $161,303 | $4,062 | 4.87% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 128 | $18,490,000 | $144,453 | $5,025 | 4.92% |
| Outside of Metro Areas | 117 | $18,335,000 | $156,709 | $4,802 | 4.89% |
| Athens, TX (FHA|USDA|VA) | 54 | $13,010,000 | $240,926 | $5,400 | 4.77% |
| TYLER, TX (FHA|USDA|VA) | 66 | $12,870,000 | $195,000 | $5,430 | 4.95% |
| PINE BLUFF, AR (FHA|USDA|VA) | 86 | $10,040,000 | $116,744 | $4,208 | 5.07% |
| COLUMBUS, OH (FHA|USDA|VA) | 62 | $9,040,000 | $145,806 | $3,874 | 5.58% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 34 | $7,740,000 | $227,647 | $5,232 | 5.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 38 | $7,580,000 | $199,474 | $5,910 | 4.87% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 28 | $6,730,000 | $240,357 | $3,290 | 4.54% |
| Arcadia, FL (FHA|USDA|VA) | 43 | $5,295,000 | $123,140 | $5,502 | 4.96% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 16 | $3,570,000 | $223,125 | $4,330 | 4.70% |
| DeRidder, LA (FHA|USDA|VA) | 14 | $2,930,000 | $209,286 | $6,130 | 5.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 15 | $2,615,000 | $174,333 | $4,977 | 4.94% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 15 | $2,345,000 | $156,333 | $4,300 | 5.18% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 10 | $2,130,000 | $213,000 | $3,571 | 4.75% |
| Jacksonville, TX (FHA|USDA|VA) | 13 | $2,115,000 | $162,692 | $6,111 | 4.93% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 8 | $1,850,000 | $231,250 | $4,382 | 4.98% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $5,991 | 4.55% |
| LONGVIEW, TX (FHA|USDA|VA) | 9 | $1,385,000 | $153,889 | $3,796 | 4.82% |
| LUBBOCK, TX (FHA|USDA|VA) | 8 | $1,310,000 | $163,750 | $4,263 | 4.84% |
| Granbury, TX (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $5,613 | 4.75% |
| Jennings, LA (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $4,790 | 5.04% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $1,010,000 | $168,333 | $5,132 | 4.88% |
| HAMMOND, LA (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $4,434 | 5.10% |
| Wauchula, FL (FHA|USDA|VA) | 7 | $955,000 | $136,429 | $5,674 | 4.95% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,543 | 4.83% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,929 | 4.81% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $6,928 | 5.03% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 6 | $700,000 | $116,667 | $5,629 | 5.60% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $8,083 | 6.44% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $4,413 | 4.31% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $5,791 | 5.16% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $3,659 | 5.19% |
| Crossville, TN (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $3,875 | 4.97% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $11,838 | 4.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,744 | 5.21% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $13,772 | 4.69% |
| Bay City, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,473 | 5.00% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,926 | 4.63% |
| Palestine, TX (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,213 | 4.46% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,192 | 4.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $435,000 | $87,000 | $3,931 | 5.05% |
| Arkadelphia, AR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,646 | 4.50% |
| Mineral Wells, TX (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $5,280 | 5.08% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,084 | 4.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,158 | 4.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,808 | 5.06% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,397 | 5.13% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,450 | 5.06% |
| El Campo, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,324 | 5.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,927 | 4.63% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $1,724 | 5.19% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,759 | 4.69% |
| Sanford, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,404 | 4.75% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,567 | 4.88% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,942 | 4.69% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,929 | 4.63% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $521 | 4.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,285 | 5.13% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,007 | 4.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,599 | 4.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,118 | 5.00% |
| Silver City, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,456 | 4.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,456 | 4.88% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,135 | 4.75% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,580 | 5.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,948 | 6.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,497 | 4.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,532 | 4.13% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $323 | 4.88% |
| Bonham, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,752 | 4.75% |
| Forrest City, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,871 | 5.50% |
| Searcy, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,071 | 5.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,640 | 5.13% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,692 | 5.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.75% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against NTFN based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, Ntfn's most frequently originated type of loan was Conventional, with 1,805 originations. Their 2nd most popular type was FHA, with 708 originations.
Loan Reason
For 2018, Ntfn's most frequently cited loan purpose was Home Purchase, with 2,638 originations. The 2nd most popular reason was Cash Out Refi, with 160 originations.
Loan Duration/Length
For 2018, Ntfn's most frequently cited loan duration was 30 Year, with 2,749 originations. The 2nd most popular length was 15 Year, with 89 originations.
Origination Fees/Closing Costs
Ntfn's average total fees were $5,223, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,485 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 1,784 | $392,960,000 | $220,269 |
| 5-6% | 939 | $172,795,000 | $184,020 |
| 6-7% | 89 | $17,055,000 | $191,629 |
| 3-4% | 63 | $15,645,000 | $248,333 |
| <2.5% | 26 | $130,000 | $5,000 |
During 2018, Ntfn's average interest rate for loans was 4.99%, while their most frequently originated rate bucket for loans was 4-5%, with 1,784 originations.
Loan Sizing
2018 saw Ntfn place emphasis on $100k-200k loans with 1,284 originations, totaling $198,540,000 in origination value.
Applicant Income
Ntfn lent most frequently to those with incomes in the $50k-75k range, with 814 originations. The second most popular income band? $100k-150k, with 575 originations.
Applicant Debt to Income Ratio
Ntfn lent most frequently to those with DTI ratios of 30-36%, with 561 originations. The next most common DTI ratio? 20-30%, with 454 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.67%
Ntfn has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination73.31%
Ntfn has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,908 | $598,620,000 | $205,853 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 2,908 | $598,620,000 | $205,853 |