No need for array entering

Dim A1 As String
Dim D2 As String
Dim E2 As String
D2 = "=IF(SUMPRODUCT(IF(LoanNo=$J2,1,0),IF(NewPropAddress=$R2,1,0))<10," & _
         "TEXT(SUMPRODUCT(IF(LoanNo=$J2,1,0),IF(NewPropAddress=$R2,1,0)),""  0"")," & _
         "SUMPRODUCT(IF(LoanNo=$J2,1,0),IF(NewPropAddress=$R2,1,0)))& "" | ""&J2"
    E2 = "=SUMPRODUCT(IF(LoanNo=$J2,1,0),IF(NewPropAddress=$R2,1,0),IF(TradeRisk=""Lower"",1,0))" & _
         "+SUMPRODUCT(IF(LoanNo=$J2,1,0),IF(NewPropAddress=$R2,1,0),IF(TradeRisk=""Moderate"",1,0))" & _
         "+SUMPRODUCT(IF(LoanNo=$J2,1,0),IF(NewPropAddress=$R2,1,0),IF(TradeRisk=""Higher"",1,0))"
n = 4
    If ActiveCell.Offset(0, n).Formula <> D2 Then ActiveCell.Offset(0, n).Formula = D2
    n = n + 1