First Savings Bank Mortgage Rates, Fees & Info
Beresford, SDLEI: 254900PHRI1MCM69UM20
Tax ID: 46-0403712
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First Savings Bank is a smaller bank specializing in Home Purchase and Refi loans. First Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: Las Vegas, Lake Havasu City, Omaha, El Paso, and Sioux Falls among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)First Savings Bank 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.
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Originations
158Origination Dollar Volume (All Markets)
$75,420,000Top 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 |
|---|---|---|---|---|---|
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 15 | $18,435,000 | $1,229,000 | $0 | 0.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $10,290,000 | $1,286,250 | $0 | 0.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 7 | $9,455,000 | $1,350,714 | $0 | 0.00% |
| EL PASO, TX (FHA|USDA|VA) | 25 | $7,225,000 | $289,000 | $0 | 0.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 17 | $5,585,000 | $328,529 | $0 | 0.00% |
| Outside of Metro Areas | 25 | $3,185,000 | $127,400 | $0 | 0.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $3,155,000 | $3,155,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 4 | $2,560,000 | $640,000 | $0 | 0.00% |
| Beatrice, NE (FHA|USDA|VA) | 2 | $1,950,000 | $975,000 | $0 | 0.00% |
| LAS CRUCES, NM (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $0 | 0.00% |
| Alamogordo, NM (FHA|USDA|VA) | 17 | $1,585,000 | $93,235 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $1,565,000 | $1,565,000 | $0 | 0.00% |
| Ruidoso, NM (FHA|USDA|VA) | 10 | $1,300,000 | $130,000 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $0 | 0.00% |
| Silver City, NM (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $0 | 0.00% |
| Huron, SD (FHA|USDA|VA) | 1 | $945,000 | $945,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Clovis, NM (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| Deming, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Vermillion, SD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 158 | $75,420,000 | $477,342 | $0 | 0.00% |
For 2022, First Savings Bank's most frequently originated type of loan was Conventional, with 158 originations.
Loan Reason
For 2022, First Savings Bank's most frequently cited loan purpose was Home Purchase, with 98 originations. The 2nd most popular reason was Refi, with 49 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 158 | $75,420,000 | $477,342 | $0 | 0.00% |
For 2022, First Savings Bank's most frequently cited loan duration was Other, with 158 originations.
Loan Sizing
2022 saw First Savings Bank place emphasis on $100,000 or less loans with 50 originations, totaling $3,010,000 in origination value.
Applicant Income
First Savings Bank lent most frequently to those with incomes in the $50k or less range, with 19 originations. The second most popular income band? $100k-150k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 158 | $75,420,000 | $477,342 | $0 | 0.00% |
First Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 158 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.48%
First Savings Bank has an average approval rate.
Pick Rate
Approvals leading to origination79.75%
First Savings Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 158 | $75,420,000 | $477,342 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |