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NP, INC.
Independent Mortgage Company|Boca Raton, FL|National
Loans Originated
2,184
Applications
3,387
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+1.045%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,997
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 105 basis points above market average
Report Card
NP, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 48 metro areas · 42 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$554,464
Average Borrower Income
$400,497
Average Property Value
$770,311
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 1,722 | 78.8% | +1.089% | $3,180 |
FHA Loans | Sound | Strong | Acceptable | Strong | 120 | 5.5% | +0.840% | $3,806 |
VA Loans | Sound | Strong | Acceptable | Strong | 57 | 2.6% | -0.039% | $1,638 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 283 | 13.0% | +1.219% | $1,410 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 1,718 | 78.7% | +0.997% | $3,168 |
Refinance | Acceptable | Strong | Mediocre | Sound | 466 | 21.3% | +1.219% | $2,382 |
Geographic Coverage
Metro Areas
47
States Served
42
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDEFLGAILINKSKYLAMAMDMIMNMOMSMTNCNHNJNMNVNYOHOKORPARISCTNTXUTVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
West Palm Beach, FLMSA
Volume: 115Mix: 5.27%
Place Specialization
Strong
2
Port St. Lucie, FL, FLMSA
Volume: 76Mix: 3.48%
Place Specialization
Strong
3
New York, NY-NJMSA
Volume: 160Mix: 7.33%
Place Specialization
Strong
4
Nassau County, NYMSA
Volume: 97Mix: 4.44%
Place Specialization
Strong
5
Fort Lauderdale, FLMSA
Volume: 80Mix: 3.66%
Place Specialization
Strong
6
Lakewood, NJMSA
Volume: 68Mix: 3.11%
Place Specialization
Strong
7
Miami, FLMSA
Volume: 67Mix: 3.07%
Place Specialization
Strong
8
San Diego, CAMSA
Volume: 67Mix: 3.07%
Place Specialization
Strong
9
St. Louis, MO, MO-ILMSA
Volume: 53Mix: 2.43%
Place Specialization
Sound
10
Bridgeport, CTMSA
Volume: 32Mix: 1.47%
Place Specialization
Sound
Showing 10 of 47 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 563Mix: 25.78%
Place Specialization
Strong
2
NYState
Volume: 261Mix: 11.95%
Place Specialization
Strong
3
NJState
Volume: 182Mix: 8.33%
Place Specialization
Strong
4
CAState
Volume: 274Mix: 12.55%
Place Specialization
Strong
5
GAState
Volume: 106Mix: 4.85%
Place Specialization
Sound
6
CTState
Volume: 67Mix: 3.07%
Place Specialization
Sound
7
TXState
Volume: 135Mix: 6.18%
Place Specialization
Sound
8
AZState
Volume: 79Mix: 3.62%
Place Specialization
Sound
9
MAState
Volume: 52Mix: 2.38%
Place Specialization
Sound
10
MDState
Volume: 48Mix: 2.20%
Place Specialization
Sound
Showing 10 of 23 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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