Fbc Mortgage Rates, Fees & Info

NORTH PALM BEACH, FL

LEI: 5493005JPZ3LXXMB0S24

Tax ID: 20-3702275

2020 Data | 2019 Data | 2018 Data


Overview

Fbc Mortgage is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Fbc Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Orlando, Tampa, Atlanta, Deltona, and Lakeland among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Fbc Mortgage is typically a high fee lendor.


Originations

22,879

Origination Dollar Volume (All Markets)

$6,308,695,000

Relative Rate

Fbc Mortgage 's average 30 year fixed rate mortgage was 3.18%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.18%.

Relative Fees

Fbc Mortgage 's average total fees for a 30 year fixed rate mortgage are $6,061.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 12,915 $3,691,355,000 $285,819 $4,471 3.19%
FHA 6,682 $1,631,100,000 $244,104 $8,391 3.12%
VA 2,845 $894,845,000 $314,533 $5,771 2.92%
USDA 437 $91,395,000 $209,142 $6,254 3.01%

For the 2020 period, Fbc Mortgage 's most frequently originated loan type was Conventional, with 12,915 originations. Their 2nd most popular type is FHA, with 6,682 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 14,685 $3,931,615,000 $267,730 $6,682 3.15%
Refi 6,399 $1,868,935,000 $292,067 $4,144 3.04%
Cash Out Refi 1,795 $508,145,000 $283,089 $4,944 3.30%

For the 2020, Fbc Mortgage 's most frequently cited loan purpose was Home Purchase, with 14,685 originations. The 2nd most popular reason was Refi, with 6,399 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 20,569 $5,716,815,000 $277,934 $6,016 3.16%
15 Year 1,416 $354,930,000 $250,657 $3,925 2.78%
20 Year 428 $118,420,000 $276,682 $3,908 3.09%
Other 335 $92,485,000 $276,075 $4,892 3.08%
10 Year 58 $11,560,000 $199,310 $3,319 2.76%
30+ year 47 $14,235,000 $302,872 $8,135 3.06%
3 Year 15 $125,000 $8,333 $0 0.00%
5 Year 11 $125,000 $11,364 $0 0.50%

For the 2020, Fbc Mortgage 's most frequently cited loan length was 30 Year, with 20,569 originations. The 2nd most popular length was 15 Year, with 1,416 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 12,683 $3,519,875,000 $277,527
$2k-3k 3,369 $854,705,000 $253,697
$<1k 3,107 $923,575,000 $297,256
$3k-4k 2,530 $683,350,000 $270,099
$5k+ 927 $316,245,000 $341,149

$6,061 was Fbc Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 12,683 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
ORLANDO-KISSIMMEE-SANFORD, FL 3,757 $1,098,135,000 $292,290 $5,816 3.14%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 1,443 $407,455,000 $282,367 $5,788 3.13%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 1,170 $311,320,000 $266,085 $5,654 3.14%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 1,170 $290,330,000 $248,145 $5,878 3.13%
LAKELAND-WINTER HAVEN, FL 1,065 $244,745,000 $229,808 $7,046 3.10%
PHOENIX-MESA-CHANDLER, AZ 765 $220,905,000 $288,765 $4,880 3.22%
LAS VEGAS-HENDERSON-PARADISE, NV 730 $204,330,000 $279,904 $5,995 3.09%
PALM BAY-MELBOURNE-TITUSVILLE, FL 696 $188,840,000 $271,322 $5,738 3.14%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 492 $188,110,000 $382,337 $5,163 3.02%
Outside of Metro Areas 848 $186,630,000 $220,083 $5,496 3.20%
JACKSONVILLE, FL 692 $181,810,000 $262,731 $5,969 3.14%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 483 $168,555,000 $348,975 $6,310 3.14%
NORTH PORT-SARASOTA-BRADENTON, FL 430 $118,170,000 $274,814 $6,114 3.04%
PORT ST. LUCIE, FL 446 $113,250,000 $253,924 $6,269 3.17%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 449 $111,065,000 $247,361 $7,608 2.85%
BIRMINGHAM-HOOVER, AL 424 $104,760,000 $247,075 $4,222 3.15%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 202 $97,720,000 $483,762 $7,397 3.05%
PITTSBURGH, PA 273 $84,335,000 $308,919 $7,463 3.15%
SAN ANTONIO-NEW BRAUNFELS, TX 361 $76,365,000 $211,537 $6,858 3.13%
COLORADO SPRINGS, CO 211 $69,695,000 $330,308 $4,944 3.10%
GAINESVILLE, FL 284 $68,410,000 $240,880 $4,639 3.18%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 149 $65,625,000 $440,436 $3,317 3.06%
STOCKTON, CA 159 $64,525,000 $405,818 $5,575 3.19%
BAKERSFIELD, CA 327 $60,035,000 $183,593 $7,500 2.82%
HILTON HEAD ISLAND-BLUFFTON, SC 215 $56,285,000 $261,791 $4,629 3.15%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 195 $54,745,000 $280,744 $3,825 2.98%
SEBASTIAN-VERO BEACH, FL 219 $54,595,000 $249,292 $4,753 3.20%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 153 $52,615,000 $343,889 $7,504 3.22%
DENVER-AURORA-LAKEWOOD, CO 148 $52,390,000 $353,986 $4,031 3.12%
TULSA, OK 270 $51,210,000 $189,667 $5,789 3.21%
BOSTON, MA 121 $47,315,000 $391,033 $3,321 3.14%
CAPE CORAL-FORT MYERS, FL 206 $46,980,000 $228,058 $5,950 3.21%
MODESTO, CA 178 $46,890,000 $263,427 $6,195 3.14%
DALLAS-PLANO-IRVING, TX 156 $45,510,000 $291,731 $8,439 3.26%
OAKLAND-BERKELEY-LIVERMORE, CA 81 $41,825,000 $516,358 $4,525 3.02%
LOS ANGELES-LONG BEACH-GLENDALE, CA 93 $41,255,000 $443,602 $5,561 2.96%
COLUMBUS, OH 161 $39,265,000 $243,882 $6,880 3.23%
ODESSA, TX 170 $38,680,000 $227,529 $7,906 3.48%
NAPLES-MARCO ISLAND, FL 103 $38,025,000 $369,175 $5,622 3.11%
OKLAHOMA CITY, OK 186 $37,710,000 $202,742 $4,791 3.29%
PUNTA GORDA, FL 167 $37,475,000 $224,401 $6,333 3.25%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 162 $37,260,000 $230,000 $6,257 3.26%
EVANSVILLE, IN-KY 139 $32,675,000 $235,072 $4,839 3.12%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 108 $30,680,000 $284,074 $5,469 3.10%
BEAUMONT-PORT ARTHUR, TX 152 $28,120,000 $185,000 $7,121 3.31%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 56 $24,950,000 $445,536 $7,629 3.04%
OCALA, FL 131 $24,455,000 $186,679 $5,289 3.25%
MIDLAND, TX 98 $23,830,000 $243,163 $8,643 3.48%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 60 $22,710,000 $378,500 $6,904 3.17%
OWENSBORO, KY 104 $22,400,000 $215,385 $5,573 3.14%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 67 $21,685,000 $323,657 $5,784 3.11%
SHREVEPORT-BOSSIER CITY, LA 99 $19,965,000 $201,667 $5,830 3.23%
ANAHEIM-SANTA ANA-IRVINE, CA 43 $19,045,000 $442,907 $4,258 3.02%
PENSACOLA-FERRY PASS-BRENT, FL 74 $18,380,000 $248,378 $5,536 2.96%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 32 $17,410,000 $544,063 $3,492 2.97%
SEATTLE-BELLEVUE-KENT, WA 34 $14,410,000 $423,824 $2,465 3.03%
MIAMI-MIAMI BEACH-KENDALL, FL 43 $14,175,000 $329,651 $6,775 3.26%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 48 $14,030,000 $292,292 $6,389 3.11%
HOMOSASSA SPRINGS, FL 69 $12,845,000 $186,159 $4,759 3.38%
VALLEJO, CA 29 $12,725,000 $438,793 $6,597 2.99%
RALEIGH-CARY, NC 43 $11,745,000 $273,140 $5,385 3.09%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 31 $10,245,000 $330,484 $5,944 2.98%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 22 $10,070,000 $457,727 $7,935 2.91%
CHARLESTON-NORTH CHARLESTON, SC 32 $9,950,000 $310,938 $6,447 3.27%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 34 $8,780,000 $258,235 $5,174 3.49%
PANAMA CITY, FL 35 $8,745,000 $249,857 $7,023 3.18%
CHICAGO-NAPERVILLE-EVANSTON, IL 29 $8,155,000 $281,207 $5,057 3.17%
BOWLING GREEN, KY 34 $8,150,000 $239,706 $4,722 3.06%
MERCED, CA 29 $7,745,000 $267,069 $5,258 3.19%
BALTIMORE-COLUMBIA-TOWSON, MD 30 $7,450,000 $248,333 $5,091 3.07%
THE VILLAGES, FL 38 $7,380,000 $194,211 $5,502 3.09%
TALLAHASSEE, FL 35 $7,295,000 $208,429 $5,730 3.12%
GAINESVILLE, GA 26 $6,700,000 $257,692 $4,758 3.03%
SEBRING-AVON PARK, FL 36 $6,680,000 $185,556 $5,212 3.03%
BARNSTABLE TOWN, MA 23 $6,585,000 $286,304 $5,909 3.09%
RICHMOND, VA 21 $6,505,000 $309,762 $4,983 3.14%
GREENVILLE-ANDERSON, SC 22 $6,460,000 $293,636 $6,707 3.04%
GREELEY, CO 16 $6,090,000 $380,625 $3,491 3.14%
CINCINNATI, OH-KY-IN 24 $6,040,000 $251,667 $5,337 3.13%
SAVANNAH, GA 21 $5,975,000 $284,524 $6,626 2.99%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 11 $5,965,000 $542,273 $3,760 3.01%
OLYMPIA-LACEY-TUMWATER, WA 17 $5,775,000 $339,706 $4,913 3.03%
CORPUS CHRISTI, TX 21 $5,245,000 $249,762 $6,992 2.93%
OXNARD-THOUSAND OAKS-VENTURA, CA 9 $5,205,000 $578,333 $7,250 3.11%
CAMDEN, NJ 19 $4,875,000 $256,579 $5,999 3.16%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 20 $4,680,000 $234,000 $5,060 3.04%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 32 $4,630,000 $144,688 $4,871 2.95%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 13 $4,465,000 $343,462 $5,852 2.99%
FLAGSTAFF, AZ 13 $4,355,000 $335,000 $5,137 3.52%
YUBA CITY, CA 16 $4,340,000 $271,250 $6,505 2.90%
ST. LOUIS, MO-IL 17 $4,195,000 $246,765 $3,360 3.34%
HUNTSVILLE, AL 18 $4,060,000 $225,556 $4,372 2.95%
SANTA CRUZ-WATSONVILLE, CA 7 $4,035,000 $576,429 $5,753 3.25%
NEW BRUNSWICK-LAKEWOOD, NJ 12 $3,970,000 $330,833 $7,261 3.15%
BOULDER, CO 8 $3,930,000 $491,250 $4,942 3.11%
LYNCHBURG, VA 23 $3,515,000 $152,826 $3,935 3.43%
DURHAM-CHAPEL HILL, NC 11 $3,445,000 $313,182 $3,581 2.97%
SALINAS, CA 6 $3,380,000 $563,333 $4,932 2.87%
TACOMA-LAKEWOOD, WA 10 $3,340,000 $334,000 $4,003 3.35%
PUEBLO, CO 13 $3,235,000 $248,846 $3,538 3.08%
LAKE HAVASU CITY-KINGMAN, AZ 12 $3,230,000 $269,167 $6,609 3.02%
PROVIDENCE-WARWICK, RI-MA 9 $3,225,000 $358,333 $4,339 2.97%
ELGIN, IL 15 $3,195,000 $213,000 $4,193 3.11%
JONESBORO, AR 19 $3,095,000 $162,895 $6,675 3.05%
FRESNO, CA 12 $3,090,000 $257,500 $4,999 3.19%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 17 $3,085,000 $181,471 $6,756 2.85%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 10 $3,080,000 $308,000 $6,356 2.84%
SANTA ROSA-PETALUMA, CA 6 $3,000,000 $500,000 $8,915 2.98%
WARREN-TROY-FARMINGTON HILLS, MI 12 $2,930,000 $244,167 $3,791 2.93%
NEWARK, NJ-PA 9 $2,885,000 $320,556 $6,087 2.93%
INDIANAPOLIS-CARMEL-ANDERSON, IN 13 $2,775,000 $213,462 $4,591 3.10%
WINCHESTER, VA-WV 9 $2,425,000 $269,444 $5,922 3.43%
ATHENS-CLARKE COUNTY, GA 8 $2,420,000 $302,500 $3,867 3.19%
DAPHNE-FAIRHOPE-FOLEY, AL 11 $2,385,000 $216,818 $4,341 3.43%
TUCSON, AZ 9 $2,365,000 $262,778 $4,721 3.28%
KENNEWICK-RICHLAND, WA 8 $2,310,000 $288,750 $1,589 2.75%
PRESCOTT VALLEY-PRESCOTT, AZ 10 $2,290,000 $229,000 $3,002 3.21%
VISALIA, CA 10 $2,270,000 $227,000 $6,268 2.94%
SANTA MARIA-SANTA BARBARA, CA 4 $2,180,000 $545,000 $4,583 2.94%
FORT COLLINS, CO 7 $2,175,000 $310,714 $4,552 3.02%
WORCESTER, MA-CT 8 $2,100,000 $262,500 $5,915 3.08%
EL CENTRO, CA 8 $2,100,000 $262,500 $4,218 3.33%
SAN ANGELO, TX 11 $1,925,000 $175,000 $6,521 3.78%
DETROIT-DEARBORN-LIVONIA, MI 7 $1,695,000 $242,143 $3,472 2.77%
MADERA, CA 7 $1,675,000 $239,286 $5,794 3.14%
MANCHESTER-NASHUA, NH 6 $1,660,000 $276,667 $3,648 3.27%
LEXINGTON-FAYETTE, KY 7 $1,635,000 $233,571 $5,658 2.79%
FAYETTEVILLE, NC 7 $1,625,000 $232,143 $3,834 2.84%
RENO, NV 5 $1,625,000 $325,000 $6,032 2.67%
ALBUQUERQUE, NM 8 $1,510,000 $188,750 $4,901 3.37%
SALEM, OR 5 $1,455,000 $291,000 $3,733 3.42%
ASHEVILLE, NC 4 $1,420,000 $355,000 $4,582 2.94%
GADSDEN, AL 5 $1,415,000 $283,000 $3,426 2.90%
SPARTANBURG, SC 6 $1,410,000 $235,000 $6,886 3.29%
AMARILLO, TX 5 $1,365,000 $273,000 $7,158 3.60%
CHICO, CA 6 $1,360,000 $226,667 $5,149 3.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 6 $1,320,000 $220,000 $5,737 3.02%
AUGUSTA-RICHMOND COUNTY, GA-SC 5 $1,305,000 $261,000 $3,367 2.85%
SHERMAN-DENISON, TX 7 $1,285,000 $183,571 $5,173 3.16%
ABILENE, TX 7 $1,245,000 $177,857 $5,209 3.55%
BEND, OR 3 $1,235,000 $411,667 $5,764 3.08%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 4 $1,210,000 $302,500 $3,982 2.84%
NAPA, CA 3 $1,205,000 $401,667 $2,926 3.04%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 4 $1,140,000 $285,000 $3,551 2.97%
HAGERSTOWN-MARTINSBURG, MD-WV 5 $1,075,000 $215,000 $5,330 3.28%
DAYTON-KETTERING, OH 5 $1,055,000 $211,000 $3,860 2.93%
MOBILE, AL 5 $1,055,000 $211,000 $4,348 2.85%
KILLEEN-TEMPLE, TX 6 $1,040,000 $173,333 $6,258 2.83%
COLUMBIA, SC 5 $1,015,000 $203,000 $3,712 3.22%
CHATTANOOGA, TN-GA 4 $1,010,000 $252,500 $4,059 3.09%
TRENTON-PRINCETON, NJ 4 $1,010,000 $252,500 $6,645 3.15%
EL PASO, TX 6 $980,000 $163,333 $7,302 3.29%
SAN RAFAEL, CA 2 $980,000 $490,000 $9,313 3.06%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 3 $965,000 $321,667 $3,677 3.08%
TUSCALOOSA, AL 5 $965,000 $193,000 $4,040 3.25%
GARY, IN 4 $940,000 $235,000 $5,214 3.13%
TYLER, TX 5 $905,000 $181,000 $5,483 3.60%
ANNISTON-OXFORD, AL 5 $895,000 $179,000 $6,241 2.82%
CLEVELAND-ELYRIA, OH 4 $890,000 $222,500 $7,420 3.19%
DOTHAN, AL 3 $855,000 $285,000 $6,434 2.92%
LANSING-EAST LANSING, MI 3 $855,000 $285,000 $4,418 3.25%
KNOXVILLE, TN 4 $810,000 $202,500 $4,148 3.22%
WINSTON-SALEM, NC 4 $800,000 $200,000 $3,886 3.13%
MCALLEN-EDINBURG-MISSION, TX 3 $795,000 $265,000 $4,482 4.21%
Outside of Metro Areas 3 $785,000 $261,667 $6,082 3.16%
CLARKSVILLE, TN-KY 4 $780,000 $195,000 $5,156 3.00%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 3 $765,000 $255,000 $4,960 3.00%
LONGVIEW, TX 4 $750,000 $187,500 $5,835 3.22%
HOUMA-THIBODAUX, LA 3 $745,000 $248,333 $3,566 2.92%
BATON ROUGE, LA 4 $740,000 $185,000 $3,894 3.00%
DECATUR, AL 3 $735,000 $245,000 $6,480 3.17%
CORVALLIS, OR 2 $730,000 $365,000 $6,300 3.13%
NEW ORLEANS-METAIRIE, LA 3 $705,000 $235,000 $5,524 3.13%
WACO, TX 3 $705,000 $235,000 $3,779 3.20%
LUBBOCK, TX 4 $700,000 $175,000 $4,405 3.50%
MEMPHIS, TN-MS-AR 4 $700,000 $175,000 $5,166 3.37%
CAPE GIRARDEAU, MO-IL 4 $690,000 $172,500 $4,719 3.69%
WARNER ROBINS, GA 4 $670,000 $167,500 $4,520 2.81%
SAN LUIS OBISPO-PASO ROBLES, CA 2 $660,000 $330,000 $5,665 3.06%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 2 $650,000 $325,000 $10,071 3.50%
AUBURN-OPELIKA, AL 2 $650,000 $325,000 $3,647 2.94%
TOLEDO, OH 3 $625,000 $208,333 $4,828 2.92%
FORT SMITH, AR-OK 5 $615,000 $123,000 $5,809 2.90%
SPRINGFIELD, MA 2 $610,000 $305,000 $5,347 2.63%
KANSAS CITY, MO-KS 3 $585,000 $195,000 $4,534 3.00%
GRAND JUNCTION, CO 3 $575,000 $191,667 $3,065 3.21%
EUGENE-SPRINGFIELD, OR 3 $555,000 $185,000 $5,380 3.17%
MANSFIELD, OH 2 $550,000 $275,000 $6,125 2.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 2 $550,000 $275,000 $7,011 3.00%
ATLANTIC CITY-HAMMONTON, NJ 2 $540,000 $270,000 $3,823 3.00%
GRAND RAPIDS-KENTWOOD, MI 3 $535,000 $178,333 $4,279 3.08%
ANCHORAGE, AK 2 $520,000 $260,000 $4,814 3.31%
PHILADELPHIA, PA 1 $515,000 $515,000 $4,861 2.38%
MILWAUKEE-WAUKESHA, WI 3 $505,000 $168,333 $4,032 3.08%
CALIFORNIA-LEXINGTON PARK, MD 2 $500,000 $250,000 $5,591 2.81%
HAMMOND, LA 2 $500,000 $250,000 $5,506 3.00%
SALISBURY, MD-DE 2 $490,000 $245,000 $10,490 2.94%
REDDING, CA 2 $470,000 $235,000 $5,054 3.19%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 2 $440,000 $220,000 $5,173 3.19%
VALDOSTA, GA 2 $430,000 $215,000 $3,480 3.00%
ELIZABETHTOWN-FORT KNOX, KY 2 $430,000 $215,000 $5,814 3.00%
MACON-BIBB COUNTY, GA 3 $415,000 $138,333 $2,242 2.63%
AKRON, OH 2 $410,000 $205,000 $4,957 3.13%
ROANOKE, VA 2 $410,000 $205,000 $4,820 2.75%
GREENSBORO-HIGH POINT, NC 2 $390,000 $195,000 $4,670 3.44%
SANTA FE, NM 1 $375,000 $375,000 $8,263 3.25%
SIERRA VISTA-DOUGLAS, AZ 1 $375,000 $375,000 $1,055 2.75%
SPOKANE-SPOKANE VALLEY, WA 1 $365,000 $365,000 $1,444 2.99%
JOHNSTOWN, PA 1 $365,000 $365,000 $3,238 2.75%
NORWICH-NEW LONDON, CT 1 $365,000 $365,000 $3,792 2.88%
MONTGOMERY, AL 1 $365,000 $365,000 $3,686 2.99%
ANN ARBOR, MI 1 $335,000 $335,000 $3,269 2.99%
MORGANTOWN, WV 1 $315,000 $315,000 $3,561 3.38%
FORT WAYNE, IN 2 $310,000 $155,000 $3,199 2.75%
EAST STROUDSBURG, PA 1 $295,000 $295,000 $4,425 3.00%
TEXARKANA, TX-AR 1 $275,000 $275,000 $5,040 3.13%
ROCKY MOUNT, NC 1 $275,000 $275,000 $7,628 3.63%
WILMINGTON, DE-MD-NJ 1 $265,000 $265,000 $6,809 3.25%
NEW HAVEN-MILFORD, CT 1 $255,000 $255,000 $9,181 3.63%
GULFPORT-BILOXI, MS 2 $250,000 $125,000 $4,881 3.50%
WAUSAU-WESTON, WI 1 $245,000 $245,000 $5,611 3.38%
YORK-HANOVER, PA 1 $245,000 $245,000 $6,993 3.25%
MEDFORD, OR 1 $245,000 $245,000 $6,152 2.75%
LONGVIEW, WA 1 $245,000 $245,000 $9,254 3.50%
ALBANY-LEBANON, OR 1 $235,000 $235,000 $2,499 3.38%
LINCOLN, NE 1 $235,000 $235,000 $5,261 2.88%
BROWNSVILLE-HARLINGEN, TX 1 $235,000 $235,000 $3,993 2.25%
HANFORD-CORCORAN, CA 1 $225,000 $225,000 $4,916 2.75%
OMAHA-COUNCIL BLUFFS, NE-IA 1 $225,000 $225,000 $5,141 2.25%
GREEN BAY, WI 1 $225,000 $225,000 $4,944 3.00%
JACKSON, TN 1 $215,000 $215,000 $2,943 2.63%
BRIDGEPORT-STAMFORD-NORWALK, CT 1 $215,000 $215,000 $5,377 3.25%
HARRISONBURG, VA 1 $215,000 $215,000 $2,087 3.75%
BANGOR, ME 1 $205,000 $205,000 $3,061 3.25%
VICTORIA, TX 1 $205,000 $205,000 $9,334 3.38%
ROCKFORD, IL 1 $205,000 $205,000 $5,684 2.75%
CANTON-MASSILLON, OH 1 $205,000 $205,000 $3,729 3.38%
LANCASTER, PA 1 $205,000 $205,000 $5,975 2.75%
LAKE CHARLES, LA 1 $195,000 $195,000 $5,700 3.25%
LAS CRUCES, NM 1 $195,000 $195,000 $5,027 2.75%
ROCHESTER, MN 1 $195,000 $195,000 $4,498 3.25%
SAGINAW, MI 1 $195,000 $195,000 $4,428 3.25%
SPRINGFIELD, OH 1 $185,000 $185,000 $7,057 2.75%
BELLINGHAM, WA 1 $185,000 $185,000 $1,839 3.00%
ALEXANDRIA, LA 1 $185,000 $185,000 $4,208 3.75%
WILMINGTON, NC 1 $175,000 $175,000 $5,159 2.75%
COLUMBUS, GA-AL 1 $175,000 $175,000 $3,564 2.99%
COLLEGE STATION-BRYAN, TX 1 $175,000 $175,000 $3,984 3.99%
KOKOMO, IN 1 $165,000 $165,000 $4,009 3.25%
CHAMBERSBURG-WAYNESBORO, PA 1 $165,000 $165,000 $3,352 3.74%
JACKSONVILLE, NC 1 $155,000 $155,000 $3,981 2.75%
APPLETON, WI 1 $155,000 $155,000 $3,841 2.75%
JEFFERSON CITY, MO 1 $155,000 $155,000 $4,821 3.38%
JOPLIN, MO 1 $145,000 $145,000 $5,289 3.25%
HINESVILLE, GA 1 $145,000 $145,000 $5,031 3.13%
PORTLAND-SOUTH PORTLAND, ME 1 $145,000 $145,000 $4,447 2.75%
TOPEKA, KS 1 $105,000 $105,000 $1,468 3.13%
WICHITA, KS 1 $55,000 $55,000 $4,089 3.25%
GREENVILLE, NC 1 $55,000 $55,000 $2,334 3.13%

Fbc Mortgage 's top markets include Orlando, Tampa, Atlanta, Deltona, and Lakeland among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 11,184 $2,986,460,000 $267,030
2.5-3% 9,267 $2,703,175,000 $291,699
<2.5% 1,546 $426,080,000 $275,602
4-5% 736 $165,530,000 $224,905
5-6% 145 $27,275,000 $188,103
6-7% 1 $175,000 $175,000

During 2020, Fbc Mortgage 's average interest rate was 3.18%, while their most frequently originated rate bucket was 3-4%, with 11,184 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 14,116 $3,905,060,000 $276,641 $6,187 3.13%
$100k-200k 4,984 $809,150,000 $162,350 $4,779 3.27%
$400k-600k 2,807 $1,320,975,000 $470,600 $5,907 3.02%
$100,000 or less 654 $36,570,000 $55,917 $3,789 2.61%
$600k-1MM 292 $204,780,000 $701,301 $8,044 3.06%
$1MM+ 26 $32,160,000 $1,236,923 $11,034 3.05%

2020 saw Fbc Mortgage place emphasis on $200k-400k loans with 14,116 originations, totaling $3,905,060,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 5,608 $1,263,000,000 $225,214 $6,349 3.14%
$100k-150k 4,367 $1,355,485,000 $310,393 $5,816 3.17%
$75k-100k 4,050 $1,085,160,000 $267,941 $6,240 3.16%
$150k-250k 2,768 $1,029,510,000 $371,933 $5,309 3.14%
$50k or less 2,707 $479,455,000 $177,117 $5,736 3.15%
$250k+ 1,009 $428,975,000 $425,149 $5,293 3.13%

Fbc Mortgage lent most frequently to those with incomes in the $50k-75k range, with 5,608 originations. The second most popular income band? $100k-150k, with 4,367 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 3,734 $1,060,000,000 $283,878 $4,867 3.14%
30-36% 3,367 $955,615,000 $283,818 $5,432 3.17%
50-60% 2,024 $524,270,000 $259,027 $8,737 3.06%
<20% 1,272 $368,680,000 $289,843 $4,411 3.04%
44% 939 $253,775,000 $270,261 $5,925 3.24%
42% 825 $221,855,000 $268,915 $6,131 3.24%
43% 818 $219,960,000 $268,900 $5,961 3.18%
40% 790 $211,060,000 $267,165 $5,722 3.19%
39% 753 $201,905,000 $268,134 $5,770 3.20%
41% 748 $205,370,000 $274,559 $5,968 3.16%
45% 721 $191,525,000 $265,638 $6,468 3.17%
38% 705 $194,715,000 $276,191 $5,952 3.16%
36% 700 $198,290,000 $283,271 $5,854 3.20%
48% 696 $186,480,000 $267,931 $6,440 3.19%
46% 684 $180,600,000 $264,035 $6,492 3.13%
37% 673 $192,895,000 $286,620 $5,825 3.15%
47% 665 $180,095,000 $270,820 $6,278 3.15%
49% 537 $141,875,000 $264,199 $6,884 3.15%
>60% 40 $11,380,000 $284,500 $8,979 2.94%

Fbc Mortgage lent most frequently to those with DTI ratios of 20-30%, with 3,734 originations. The next most common DTI ratio? 30-36%, with 3,367 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 15,741 $4,350,605,000 $276,387 $5,668 3.14%
Not provided 3,996 $1,091,740,000 $273,208 $5,976 3.13%
Black 1,996 $522,380,000 $261,713 $6,866 3.14%
Asian 882 $279,310,000 $316,678 $5,392 3.11%
American Indian 178 $40,510,000 $227,584 $6,541 3.16%
Native Hawaiian 52 $13,740,000 $264,231 $6,947 3.17%
Asian Indian 14 $4,900,000 $350,000 $6,550 3.11%
Other Asian 7 $1,945,000 $277,857 $7,093 2.59%
Other Pacific Islander 5 $1,445,000 $289,000 $7,738 2.83%
Vietnamese 4 $1,080,000 $270,000 $2,974 2.87%
Filipino 2 $610,000 $305,000 $8,771 3.31%
Chinese 1 $305,000 $305,000 $2,009 2.25%
Native Hawiian 1 $125,000 $125,000 $5,681 2.88%

Approval Rates

Total approvals of all applications
95.31%

Fbc Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
72.32%

Fbc Mortgage has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 22,879 $6,308,695,000 $275,742

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 243 $42,355,000 $174,300
Single Family (1-4 Units):Site-Built 22,636 $6,266,340,000 $276,831

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 541 $106,675,000 $197,181 $3,580 3.04%
40-60% 1,880 $504,700,000 $268,457 $3,929 3.05%
60-80% 5,343 $1,594,595,000 $298,446 $4,533 3.22%
80-100% 12,784 $3,473,500,000 $271,707 $6,636 3.18%
Over 100% 605 $191,415,000 $316,388 $11,459 3.00%
Under 20% 248 $9,180,000 $37,016 $3,427 1.16%