# NP, INC.

> **Canonical URL:** https://saferate.com/lenders/np


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NP, INC. is a independent mortgage company, headquartered in Boca Raton, FL, serving borrowers nationwide, with 2,184 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549004Z576VEJBK3N72
- **Headquarters:** Boca Raton, FL
- **Geographic Reach:** National
- **States Served:** 42
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV
- **Markets (MSAs):** 48
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +1.045%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,997
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,184
- **Dollar Volume:** $1.2 billion
- **Applications Received:** 3,387
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $554,464
- **Average Borrower Income:** $400,497
- **Average Property Value:** $770,311

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 1,722 | +1.089% | $3,180 | Strong 😀 |
| FHA | 66/100 | 120 | +0.840% | $3,806 | Strong 😀 |
| VA | 66/100 | 57 | -0.039% | $1,638 | Strong 😀 |
| Jumbo | 84/100 | 283 | +1.219% | $1,410 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,354 loans, Score: 66/100 (Strong)
- Refinance: 368 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 114 loans, Score: 65/100 (Strong)

**VA:**
- Purchase: 57 loans, Score: 67/100 (Strong)

**Jumbo:**
- Purchase: 191 loans, Score: 83/100 (Exceptional)
- Refinance: 92 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 1,718 | $915M | +0.997% | Strong 😀 |
| Refinance | 66/100 | 466 | $296M | +1.219% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 563 | 0.19% | 74/100 |
| CA | 274 | 0.10% | 65/100 |
| NY | 261 | 0.23% | 71/100 |
| NJ | 182 | 0.21% | 70/100 |
| TX | 135 | 0.04% | 58/100 |
| GA | 106 | 0.08% | 60/100 |
| AZ | 79 | 0.08% | 58/100 |
| CT | 67 | 0.19% | 59/100 |
| NC | 55 | 0.04% | 51/100 |
| MA | 52 | 0.09% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 160 | 69/100 |
| West Palm Beach | FL | 115 | 72/100 |
| Nassau County | NY | 97 | 66/100 |
| Non |  | 91 | 46/100 |
| Fort Lauderdale | FL | 80 | 64/100 |
| Port St. Lucie, FL | FL | 76 | 71/100 |
| Lakewood | NJ | 68 | 63/100 |
| Miami | FL | 67 | 61/100 |
| Phoenix | AZ | 67 | 57/100 |
| San Diego | CA | 67 | 60/100 |
| Atlanta | GA | 59 | 57/100 |
| Los Angeles | CA | 56 | 56/100 |
| St. Louis, MO | MO-IL | 53 | 58/100 |
| Orlando | FL | 49 | 56/100 |
| Riverside | CA | 42 | 53/100 |

## Where This Lender Ranks

NP, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Nassau County for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in New York for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in West Palm Beach for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Miami for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Naples for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#12** in Bridgeport for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#13** in Fort Lauderdale for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#16** in San Diego for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-diego/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#17** in New York for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#17** in New Jersey for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/mortgage-companies/jumbo-loans)

## Frequently Asked Questions

### What loan types does NP, INC. offer?

NP, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NP, INC. offer mortgages?

NP, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are NP, INC.'s mortgage rates?

NP, INC. has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.045% above market average.

### What type of lender is NP, INC.?

NP, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Boca Raton, FL.

### What is NP, INC.'s loan approval success rate?

NP, INC. has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/np

### How to Cite

> "NP, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/np

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