Conventional < $100,000 Any Lesser of: MINN. STAT. ANN. § Loan with 15.75%; or (West 2012) Maturity < 10 3% points + Fannie Mae posted yields on years 30-year mortgage commitments for delivery within 60 days on standard conventional fixed-rate mortgages published in The Wall Street Journal for the last business day of the preceding month Loan by a lender Any Any The greater of: (finance charge limitations) MINN. STAT. ANN. § licensed under APR ≤ 21.75%; or (West 2012) the Minnesota The total of: Regulated Loan 33% per year on part of unpaid Act (MRLA) balance ≤ $1,125; and 19% per year on part of unpaid balance > $1,125 Reverse Any Any ≤ 4% points + Fannie Mae posted yields on 30-year MINN. STAT. ANN. § Mortgage Loan mortgage commitments for delivery within 60 days (West 2012) on standard conventional fixed-rate mortgages published in The Wall Street Journal for the last business day of the second preceding month Mississippi Federally Related Any First Exempt from state law limitations 12 USCA §§ & Mortgage Loans 12 CFR §§ Loan > $2,000 Any As contracted for MISS. CODE ANN. § (West 2012) Loan Any Any The greater of: MISS. CODE ANN. § 10% per year; or (West 2012) 5% per year above the index of market yields of the Monthly 20-year Constant Maturity Index of Long Term United States Government Bond Yields Missouri Federally Related Any First Exempt from state law limitations 12 USCA §§ & Mortgage Loans 12 CFR §§
Conventional Loan with Maturity < 10 years < $100,000 Any Lesser of: 15.75%; or 3% points + Fannie Mae posted yields on 30-year mortgage commitments for delivery within 60 days on standard conventional fixed-rate mortgages published in The Wall Street Journal for the last business day of the preceding month MINN. STAT. ANN. § (West 2012) Loan by a lender licensed under the Minnesota Regulated Loan Act (MRLA) Any Any The greater of: (finance charge limitations) APR ≤ 21.75%; or The total of: 33% per year on part of unpaid balance ≤ $1,125; and 19% per year on part of unpaid balance > $1,125 MINN. STAT. ANN. § (West 2012) Reverse Mortgage Loan Any Any ≤ 4% points + Fannie Mae posted yields on 30-year mortgage commitments for delivery within 60 days on standard conventional fixed-rate mortgages published in The Wall Street Journal for the last business day of the second preceding month MINN. STAT. ANN. § (West 2012) Mississippi Federally Related Mortgage Loans Any First Exempt from state law limitations 12 USCA §§ & 12 CFR §§ Loan > $2,000 Any As contracted for MISS. CODE ANN. § (West 2012) Loan Any Any The greater of: 10% per year; or 5% per year above the index of market yields of the Monthly 20-year Constant Maturity Index of Long Term United States Government Bond Yields MISS. CODE ANN. § (West 2012) Missouri Federally Related Mortgage Loans Any First Exempt from state law limitations 12 USCA §§ & 12 CFR §§