The Federal Savings Bank Mortgage Rates, Fees & Info

Chicago, IL

LEI: 549300BX448ALT10FI43

Tax ID: 43-1883419

2.8 stars - out of 5 stars, based on 171 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    The Federal Savings Bank is a large bank specializing in Refi, Cash Out Refi, and Home Purchase loans. The Federal Savings Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, Chicago, Washington, Seattle, and Phoenix among others. We have data for 727 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Federal Savings Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Federal Savings Bank is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.73% 10/3/22
    30 Year Conventional Refi 6.50% 10/3/22
    30 Year Cash-out Refi 6.73% 10/3/22
    30 Year FHA Purchase 7.39% 10/3/22
    30 Year FHA Refi 6.95% 10/3/22
    30 Year VA Purchase 6.25% 10/3/22
    30 Year VA Refi 5.99% 10/3/22
    30 Year USDA Purchase 6.47% 10/3/22
    30 Year USDA Refi 6.33% 10/3/22
    15 Year Conventional Purchase 6.51% 10/3/22
    15 Year Conventional Refi 6.34% 10/3/22
    15 Year Cash-out Refi 6.34% 10/3/22
    15 Year FHA Purchase 7.31% 10/3/22
    15 Year FHA Refi 7.28% 10/3/22
    15 Year VA Purchase 6.44% 10/3/22
    15 Year VA Refi 6.47% 10/3/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    29,182

    Origination Dollar Volume (All Markets)

    $9,867,380,000

    Employee count

    1,651 Show all (63) awards

    Relative Rate

    The Federal Savings Bank's average 30 year fixed mortgage rate was 2.84%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.31%.

    Relative Fees (Closing Costs)

    The Federal Savings Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,902.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top 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
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2,787 $1,354,295,000 $485,933 $10,993 2.96%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3,927 $1,073,235,000 $273,296 $5,880 3.05%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1,560 $685,300,000 $439,295 $7,245 2.81%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 617 $262,855,000 $426,021 $9,173 2.71%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 772 $256,040,000 $331,658 $8,320 2.84%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 471 $251,635,000 $534,257 $9,467 2.76%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 511 $219,515,000 $429,579 $9,171 2.81%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 519 $172,775,000 $332,900 $7,897 2.75%
    Outside of Metro Areas 609 $166,175,000 $272,865 $6,545 2.83%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 560 $154,330,000 $275,589 $6,102 2.78%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 507 $154,165,000 $304,073 $7,483 2.77%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 413 $153,595,000 $371,901 $9,023 2.76%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 425 $150,665,000 $354,506 $6,288 2.80%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 210 $139,210,000 $662,905 $10,275 2.76%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 254 $132,980,000 $523,543 $8,832 2.60%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 427 $121,835,000 $285,328 $7,966 2.87%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 295 $121,205,000 $410,864 $8,457 2.80%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 308 $117,210,000 $380,552 $7,928 2.97%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 279 $100,275,000 $359,409 $9,054 2.70%
    URBAN HONOLULU, HI (FHA|USDA|VA) 175 $98,975,000 $565,571 $9,485 2.53%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 429 $92,295,000 $215,140 $5,248 3.12%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 295 $91,885,000 $311,475 $7,266 2.83%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 252 $78,190,000 $310,278 $8,443 2.76%
    SALT LAKE CITY, UT (FHA|USDA|VA) 236 $76,110,000 $322,500 $9,607 2.72%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 182 $74,850,000 $411,264 $9,639 2.74%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 215 $73,115,000 $340,070 $8,841 2.84%
    RALEIGH-CARY, NC (FHA|USDA|VA) 240 $71,220,000 $296,750 $7,267 2.87%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 205 $69,445,000 $338,756 $7,504 2.75%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 236 $66,890,000 $283,432 $6,835 2.73%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 173 $59,175,000 $342,052 $9,571 2.69%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 115 $58,655,000 $510,043 $8,488 2.88%
    COLUMBUS, OH (FHA|USDA|VA) 218 $55,030,000 $252,431 $6,428 2.99%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 173 $52,665,000 $304,422 $7,880 2.83%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 159 $52,535,000 $330,409 $8,673 2.59%
    ANCHORAGE, AK (FHA|USDA|VA) 145 $47,755,000 $329,345 $7,741 2.59%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 179 $47,215,000 $263,771 $6,218 2.67%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 137 $45,305,000 $330,693 $6,900 2.89%
    RICHMOND, VA (FHA|USDA|VA) 138 $44,970,000 $325,870 $7,058 2.72%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 161 $43,445,000 $269,845 $6,453 2.79%
    JACKSONVILLE, FL (FHA|USDA|VA) 148 $42,340,000 $286,081 $8,960 2.72%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 55 $40,535,000 $737,000 $11,751 2.66%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 102 $37,020,000 $362,941 $8,652 2.73%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 121 $36,275,000 $299,793 $7,009 2.98%
    SALISBURY, MD-DE (FHA|USDA|VA) 104 $36,100,000 $347,115 $6,136 2.81%
    RENO, NV (FHA|USDA|VA) 92 $35,210,000 $382,717 $8,758 2.71%
    BOISE CITY, ID (FHA|USDA|VA) 100 $33,770,000 $337,700 $9,444 2.67%
    ALBUQUERQUE, NM (FHA|USDA|VA) 124 $33,500,000 $270,161 $8,638 2.65%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 127 $32,875,000 $258,858 $6,715 2.80%
    WORCESTER, MA-CT (FHA|USDA|VA) 113 $32,655,000 $288,982 $7,432 2.81%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 92 $32,380,000 $351,957 $8,552 2.69%
    FORT COLLINS, CO (FHA|USDA|VA) 83 $30,805,000 $371,145 $5,547 2.94%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 129 $29,175,000 $226,163 $5,326 2.96%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 84 $28,970,000 $344,881 $9,654 2.55%
    GREELEY, CO (FHA|USDA|VA) 81 $28,905,000 $356,852 $6,102 3.01%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 102 $27,780,000 $272,353 $7,929 2.78%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 99 $27,395,000 $276,717 $8,007 2.76%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 89 $27,255,000 $306,236 $8,311 2.93%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 80 $26,930,000 $336,625 $6,477 2.64%
    PROVO-OREM, UT (FHA|USDA|VA) 81 $26,775,000 $330,556 $10,904 2.75%
    TUCSON, AZ (FHA|USDA|VA) 93 $26,345,000 $283,280 $8,796 2.66%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 55 $26,075,000 $474,091 $9,973 2.56%
    FAYETTEVILLE, NC (FHA|USDA|VA) 110 $25,960,000 $236,000 $6,303 2.79%
    VALLEJO, CA (FHA|USDA|VA) 61 $24,685,000 $404,672 $7,865 2.64%
    HUNTSVILLE, AL (FHA|USDA|VA) 82 $24,520,000 $299,024 $7,256 2.69%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 64 $23,810,000 $372,031 $6,740 2.93%
    SAVANNAH, GA (FHA|USDA|VA) 88 $22,230,000 $252,614 $5,914 2.78%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 57 $22,225,000 $389,912 $9,542 2.76%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 79 $21,845,000 $276,519 $6,942 2.60%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 99 $20,975,000 $211,869 $5,365 3.10%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 74 $20,740,000 $280,270 $7,852 2.67%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 69 $20,635,000 $299,058 $7,675 2.72%
    STOCKTON, CA (FHA|USDA|VA) 55 $20,135,000 $366,091 $9,597 2.69%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 67 $19,825,000 $295,896 $7,989 2.93%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 71 $19,705,000 $277,535 $7,411 3.04%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 72 $19,390,000 $269,306 $5,873 2.64%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 64 $18,710,000 $292,344 $6,443 2.76%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 60 $17,730,000 $295,500 $7,942 2.71%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 58 $17,630,000 $303,966 $8,530 2.66%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 68 $17,130,000 $251,912 $6,466 2.79%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 68 $16,620,000 $244,412 $6,682 2.68%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 55 $15,985,000 $290,636 $7,215 2.68%
    SALINAS, CA (FHA|USDA|VA) 33 $15,855,000 $480,455 $7,948 2.64%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 58 $15,530,000 $267,759 $7,731 2.67%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 64 $15,340,000 $239,688 $7,851 2.83%
    DOVER, DE (FHA|USDA|VA) 56 $15,060,000 $268,929 $6,761 2.80%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 53 $14,915,000 $281,415 $6,934 2.73%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 48 $14,820,000 $308,750 $9,175 2.66%
    MODESTO, CA (FHA|USDA|VA) 47 $14,405,000 $306,489 $7,822 2.91%
    PITTSBURGH, PA (FHA|USDA|VA) 55 $14,305,000 $260,091 $8,160 2.85%
    COLUMBIA, SC (FHA|USDA|VA) 58 $14,140,000 $243,793 $6,522 2.82%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 36 $14,010,000 $389,167 $8,385 3.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 54 $13,990,000 $259,074 $6,633 2.82%
    SALEM, OR (FHA|USDA|VA) 44 $13,700,000 $311,364 $9,884 2.68%
    ST. GEORGE, UT (FHA|USDA|VA) 44 $13,620,000 $309,545 $8,588 2.62%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 53 $13,545,000 $255,566 $6,793 2.75%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 46 $13,200,000 $286,957 $9,485 2.66%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 46 $13,030,000 $283,261 $6,636 2.84%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 48 $12,960,000 $270,000 $7,888 2.78%
    Outside of Metro Areas 29 $12,855,000 $443,276 $11,668 2.77%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 50 $12,700,000 $254,000 $5,420 2.71%
    FRESNO, CA (FHA|USDA|VA) 42 $12,530,000 $298,333 $7,835 2.72%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 47 $12,105,000 $257,553 $8,140 2.81%
    BAKERSFIELD, CA (FHA|USDA|VA) 43 $12,095,000 $281,279 $7,693 2.63%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 44 $11,850,000 $269,318 $6,758 2.81%
    SPRINGFIELD, MA (FHA|USDA|VA) 48 $11,720,000 $244,167 $6,695 2.79%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 36 $11,650,000 $323,611 $8,925 2.77%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 26 $11,650,000 $448,077 $10,862 2.83%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 32 $11,510,000 $359,688 $7,780 2.75%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 22 $11,430,000 $519,545 $9,590 2.64%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 40 $11,170,000 $279,250 $6,236 2.79%
    BATON ROUGE, LA (FHA|USDA|VA) 40 $11,130,000 $278,250 $7,588 2.79%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 45 $11,115,000 $247,000 $7,174 2.68%
    Hilo, HI (FHA|USDA|VA) 32 $10,890,000 $340,313 $8,757 2.81%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 54 $10,860,000 $201,111 $4,655 2.72%
    JACKSONVILLE, NC (FHA|USDA|VA) 50 $10,750,000 $215,000 $5,933 2.64%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 41 $10,715,000 $261,341 $8,429 2.80%
    BELLINGHAM, WA (FHA|USDA|VA) 28 $10,650,000 $380,357 $9,496 2.88%
    WILMINGTON, NC (FHA|USDA|VA) 34 $10,640,000 $312,941 $8,944 2.61%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 43 $10,485,000 $243,837 $7,044 2.99%
    CHEYENNE, WY (FHA|USDA|VA) 38 $10,470,000 $275,526 $8,182 2.78%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 39 $10,205,000 $261,667 $6,031 2.92%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 36 $10,150,000 $281,944 $7,839 2.75%
    Kapaa, HI (FHA|USDA|VA) 19 $10,145,000 $533,947 $14,932 2.65%
    BOULDER, CO (FHA|USDA|VA) 20 $10,090,000 $504,500 $6,395 2.87%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 37 $9,985,000 $269,865 $5,853 2.63%
    MEDFORD, OR (FHA|USDA|VA) 30 $9,730,000 $324,333 $9,232 2.55%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 39 $9,665,000 $247,821 $6,375 2.84%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 35 $9,605,000 $274,429 $6,695 2.66%
    WINSTON-SALEM, NC (FHA|USDA|VA) 39 $9,585,000 $245,769 $8,654 2.84%
    TULSA, OK (FHA|USDA|VA) 36 $9,490,000 $263,611 $7,694 2.63%
    ASHEVILLE, NC (FHA|USDA|VA) 30 $9,290,000 $309,667 $8,496 2.82%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 36 $9,210,000 $255,833 $5,153 2.53%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 20 $9,130,000 $456,500 $8,267 2.61%
    KNOXVILLE, TN (FHA|USDA|VA) 34 $9,120,000 $268,235 $6,680 2.76%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 37 $8,975,000 $242,568 $7,335 2.74%
    BLOOMINGTON, IN (FHA|USDA|VA) 36 $8,920,000 $247,778 $4,039 2.84%
    AKRON, OH (FHA|USDA|VA) 35 $8,865,000 $253,286 $8,580 2.97%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 26 $8,590,000 $330,385 $6,550 2.55%
    BEND, OR (FHA|USDA|VA) 23 $8,415,000 $365,870 $10,677 2.71%
    SANTA FE, NM (FHA|USDA|VA) 26 $8,410,000 $323,462 $7,903 2.87%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 16 $8,350,000 $521,875 $5,408 2.52%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 26 $8,190,000 $315,000 $11,870 2.70%
    WICHITA, KS (FHA|USDA|VA) 35 $8,165,000 $233,286 $6,086 2.71%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 24 $8,160,000 $340,000 $10,995 2.77%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 29 $8,115,000 $279,828 $9,143 2.82%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 25 $8,065,000 $322,600 $6,324 2.81%
    LONGVIEW, WA (FHA|USDA|VA) 32 $7,970,000 $249,063 $9,217 2.70%
    YAKIMA, WA (FHA|USDA|VA) 32 $7,950,000 $248,438 $6,939 2.81%
    Concord, NH (FHA|USDA|VA) 27 $7,935,000 $293,889 $7,996 2.86%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 32 $7,860,000 $245,625 $6,941 2.59%
    YUBA CITY, CA (FHA|USDA|VA) 24 $7,560,000 $315,000 $6,206 2.62%
    VISALIA, CA (FHA|USDA|VA) 29 $7,505,000 $258,793 $7,476 2.75%
    GRAND JUNCTION, CO (FHA|USDA|VA) 23 $6,935,000 $301,522 $5,531 2.87%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 27 $6,845,000 $253,519 $7,040 2.81%
    MADISON, WI (FHA|USDA|VA) 21 $6,555,000 $312,143 $7,261 2.86%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 10 $6,340,000 $634,000 $6,761 2.85%
    FAIRBANKS, AK (FHA|USDA|VA) 23 $6,335,000 $275,435 $9,033 2.62%
    Fernley, NV (FHA|USDA|VA) 21 $6,325,000 $301,190 $8,252 2.60%
    WARNER ROBINS, GA (FHA|USDA|VA) 27 $6,265,000 $232,037 $5,486 2.68%
    PUNTA GORDA, FL (FHA|USDA|VA) 25 $6,245,000 $249,800 $6,579 2.76%
    COLUMBUS, GA-AL (FHA|USDA|VA) 24 $6,100,000 $254,167 $5,747 2.64%
    GRANTS PASS, OR (FHA|USDA|VA) 21 $6,095,000 $290,238 $8,872 2.58%
    Oak Harbor, WA (FHA|USDA|VA) 18 $6,020,000 $334,444 $9,098 2.53%
    JACKSON, MS (FHA|USDA|VA) 24 $5,970,000 $248,750 $7,336 2.76%
    WINCHESTER, VA-WV (FHA|USDA|VA) 20 $5,920,000 $296,000 $6,774 2.88%
    LAWTON, OK (FHA|USDA|VA) 22 $5,870,000 $266,818 $6,800 2.50%
    RACINE, WI (FHA|USDA|VA) 33 $5,815,000 $176,212 $5,360 3.27%
    ROANOKE, VA (FHA|USDA|VA) 23 $5,725,000 $248,913 $7,079 2.81%
    BILLINGS, MT (FHA|USDA|VA) 22 $5,650,000 $256,818 $7,718 2.86%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 24 $5,640,000 $235,000 $8,671 2.82%
    SPRINGFIELD, MO (FHA|USDA|VA) 23 $5,625,000 $244,565 $6,859 2.62%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 21 $5,535,000 $263,571 $5,818 2.61%
    MADERA, CA (FHA|USDA|VA) 16 $5,510,000 $344,375 $8,583 2.72%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 19 $5,505,000 $289,737 $7,171 2.68%
    PUEBLO, CO (FHA|USDA|VA) 18 $5,490,000 $305,000 $7,755 2.71%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 17 $5,455,000 $320,882 $8,669 2.74%
    LAS CRUCES, NM (FHA|USDA|VA) 22 $5,440,000 $247,273 $6,972 2.64%
    WENATCHEE, WA (FHA|USDA|VA) 18 $5,420,000 $301,111 $8,634 2.83%
    TOLEDO, OH (FHA|USDA|VA) 19 $5,375,000 $282,895 $8,861 2.91%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 16 $5,360,000 $335,000 $9,984 3.01%
    YORK-HANOVER, PA (FHA|USDA|VA) 20 $5,120,000 $256,000 $7,559 2.83%
    GAINESVILLE, GA (FHA|USDA|VA) 16 $5,100,000 $318,750 $8,987 2.66%
    Centralia, WA (FHA|USDA|VA) 18 $5,050,000 $280,556 $8,188 3.14%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 16 $5,050,000 $315,625 $6,430 2.66%
    LOGAN, UT-ID (FHA|USDA|VA) 18 $4,880,000 $271,111 $6,989 2.72%
    Seneca, SC (FHA|USDA|VA) 14 $4,840,000 $345,714 $8,160 3.04%
    PANAMA CITY, FL (FHA|USDA|VA) 19 $4,825,000 $253,947 $8,070 2.99%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 19 $4,805,000 $252,895 $8,302 2.57%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 18 $4,800,000 $266,667 $8,579 2.60%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 23 $4,785,000 $208,043 $6,839 2.67%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 19 $4,745,000 $249,737 $6,552 2.89%
    OCALA, FL (FHA|USDA|VA) 19 $4,595,000 $241,842 $6,077 2.78%
    EL PASO, TX (FHA|USDA|VA) 21 $4,585,000 $218,333 $5,838 2.99%
    ROCHESTER, MN (FHA|USDA|VA) 18 $4,560,000 $253,333 $6,985 2.92%
    LANCASTER, PA (FHA|USDA|VA) 15 $4,535,000 $302,333 $11,529 2.66%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 19 $4,375,000 $230,263 $7,227 2.51%
    YUMA, AZ (FHA|USDA|VA) 18 $4,360,000 $242,222 $5,541 2.85%
    Pahrump, NV (FHA|USDA|VA) 17 $4,345,000 $255,588 $8,359 2.64%
    Torrington, CT (FHA|USDA|VA) 14 $4,320,000 $308,571 $7,883 2.75%
    READING, PA (FHA|USDA|VA) 17 $4,295,000 $252,647 $8,431 2.67%
    ROCKFORD, IL (FHA|USDA|VA) 23 $4,235,000 $184,130 $5,174 3.03%
    Breckenridge, CO (FHA|USDA|VA) 6 $4,170,000 $695,000 $13,755 2.69%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 15 $4,165,000 $277,667 $7,619 2.84%
    Helena, MT (FHA|USDA|VA) 16 $4,140,000 $258,750 $8,292 2.78%
    FLAGSTAFF, AZ (FHA|USDA|VA) 14 $4,120,000 $294,286 $7,975 2.85%
    Aberdeen, WA (FHA|USDA|VA) 14 $4,100,000 $292,857 $10,926 2.79%
    Heber, UT (FHA|USDA|VA) 6 $4,090,000 $681,667 $7,391 2.79%
    DULUTH, MN-WI (FHA|USDA|VA) 17 $4,085,000 $240,294 $5,048 2.76%
    Sevierville, TN (FHA|USDA|VA) 11 $4,075,000 $370,455 $7,900 3.23%
    MERCED, CA (FHA|USDA|VA) 15 $4,065,000 $271,000 $7,837 2.89%
    Cedar City, UT (FHA|USDA|VA) 14 $4,030,000 $287,857 $7,359 2.54%
    NEW BERN, NC (FHA|USDA|VA) 19 $4,015,000 $211,316 $5,531 2.80%
    RAPID CITY, SD (FHA|USDA|VA) 15 $3,995,000 $266,333 $5,842 2.70%
    OCEAN CITY, NJ (FHA|USDA|VA) 12 $3,900,000 $325,000 $6,638 3.02%
    NAPA, CA (FHA|USDA|VA) 8 $3,800,000 $475,000 $9,394 2.64%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 13 $3,785,000 $291,154 $7,164 2.75%
    Warrensburg, MO (FHA|USDA|VA) 15 $3,675,000 $245,000 $5,663 2.68%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 13 $3,665,000 $281,923 $5,837 2.64%
    KANKAKEE, IL (FHA|USDA|VA) 19 $3,655,000 $192,368 $5,635 2.88%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 16 $3,630,000 $226,875 $7,419 2.80%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 18 $3,620,000 $201,111 $4,577 2.84%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 18 $3,620,000 $201,111 $5,687 2.85%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 14 $3,610,000 $257,857 $6,397 2.69%
    HINESVILLE, GA (FHA|USDA|VA) 18 $3,580,000 $198,889 $6,159 2.58%
    MANHATTAN, KS (FHA|USDA|VA) 15 $3,555,000 $237,000 $6,691 2.72%
    ROCHESTER, NY (FHA|USDA|VA) 17 $3,525,000 $207,353 $5,118 2.70%
    Kalispell, MT (FHA|USDA|VA) 10 $3,480,000 $348,000 $14,685 2.84%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 14 $3,470,000 $247,857 $8,439 3.04%
    Bedford, IN (FHA|USDA|VA) 15 $3,465,000 $231,000 $4,626 2.96%
    TOPEKA, KS (FHA|USDA|VA) 14 $3,460,000 $247,143 $7,051 2.71%
    Whitewater, WI (FHA|USDA|VA) 14 $3,450,000 $246,429 $5,412 3.12%
    Moses Lake, WA (FHA|USDA|VA) 10 $3,420,000 $342,000 $8,173 2.55%
    TALLAHASSEE, FL (FHA|USDA|VA) 12 $3,420,000 $285,000 $8,306 2.67%
    CHICO, CA (FHA|USDA|VA) 12 $3,370,000 $280,833 $8,361 2.99%
    Durango, CO (FHA|USDA|VA) 7 $3,365,000 $480,714 $15,935 2.70%
    Laconia, NH (FHA|USDA|VA) 13 $3,365,000 $258,846 $7,805 2.69%
    FORT WAYNE, IN (FHA|USDA|VA) 15 $3,365,000 $224,333 $5,610 2.76%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 10 $3,360,000 $336,000 $4,550 3.01%
    Sanford, NC (FHA|USDA|VA) 16 $3,330,000 $208,125 $7,617 2.91%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 9 $3,305,000 $367,222 $4,511 2.57%
    CASPER, WY (FHA|USDA|VA) 12 $3,300,000 $275,000 $5,319 2.67%
    LEBANON, PA (FHA|USDA|VA) 10 $3,300,000 $330,000 $6,455 2.65%
    Shelton, WA (FHA|USDA|VA) 10 $3,300,000 $330,000 $7,544 2.71%
    LYNCHBURG, VA (FHA|USDA|VA) 14 $3,280,000 $234,286 $7,330 2.83%
    SUMTER, SC (FHA|USDA|VA) 15 $3,265,000 $217,667 $4,945 2.78%
    Astoria, OR (FHA|USDA|VA) 9 $3,235,000 $359,444 $9,764 2.39%
    SYRACUSE, NY (FHA|USDA|VA) 15 $3,235,000 $215,667 $7,197 2.83%
    SPARTANBURG, SC (FHA|USDA|VA) 13 $3,205,000 $246,538 $7,406 2.86%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 13 $3,195,000 $245,769 $5,513 2.73%
    KINGSTON, NY (FHA|USDA|VA) 11 $3,185,000 $289,545 $6,034 2.65%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 11 $3,155,000 $286,818 $6,943 3.01%
    MONTGOMERY, AL (FHA|USDA|VA) 14 $3,110,000 $222,143 $4,799 2.86%
    Lebanon, NH-VT (FHA|USDA|VA) 12 $3,100,000 $258,333 $7,324 2.68%
    FARGO, ND-MN (FHA|USDA|VA) 15 $3,085,000 $205,667 $5,463 2.65%
    MISSOULA, MT (FHA|USDA|VA) 9 $3,055,000 $339,444 $6,862 2.97%
    THE VILLAGES, FL (FHA|USDA|VA) 10 $3,030,000 $303,000 $6,537 2.81%
    Ottawa, IL (FHA|USDA|VA) 14 $2,980,000 $212,857 $4,651 2.96%
    LINCOLN, NE (FHA|USDA|VA) 12 $2,970,000 $247,500 $4,361 2.68%
    SPRINGFIELD, OH (FHA|USDA|VA) 11 $2,905,000 $264,091 $8,279 2.94%
    IDAHO FALLS, ID (FHA|USDA|VA) 11 $2,905,000 $264,091 $10,812 2.62%
    Easton, MD (FHA|USDA|VA) 4 $2,850,000 $712,500 $5,747 2.75%
    Minot, ND (FHA|USDA|VA) 11 $2,815,000 $255,909 $4,186 2.49%
    BISMARCK, ND (FHA|USDA|VA) 9 $2,745,000 $305,000 $5,711 2.57%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 9 $2,665,000 $296,111 $9,064 2.72%
    MOBILE, AL (FHA|USDA|VA) 13 $2,665,000 $205,000 $6,662 2.81%
    ANN ARBOR, MI (FHA|USDA|VA) 10 $2,660,000 $266,000 $7,076 2.59%
    GREEN BAY, WI (FHA|USDA|VA) 11 $2,615,000 $237,727 $6,806 2.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 11 $2,615,000 $237,727 $7,409 2.89%
    GREENVILLE, NC (FHA|USDA|VA) 11 $2,615,000 $237,727 $6,155 2.64%
    GOLDSBORO, NC (FHA|USDA|VA) 13 $2,565,000 $197,308 $6,006 2.85%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 11 $2,565,000 $233,182 $5,696 2.73%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $2,560,000 $1,280,000 $6,468 3.75%
    GAINESVILLE, FL (FHA|USDA|VA) 12 $2,530,000 $210,833 $7,465 2.97%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 10 $2,500,000 $250,000 $9,181 2.63%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 12 $2,500,000 $208,333 $7,055 2.81%
    Kill Devil Hills, NC (FHA|USDA|VA) 9 $2,495,000 $277,222 $7,062 2.79%
    Roseburg, OR (FHA|USDA|VA) 12 $2,490,000 $207,500 $7,056 2.72%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 11 $2,465,000 $224,091 $5,669 2.70%
    TWIN FALLS, ID (FHA|USDA|VA) 9 $2,345,000 $260,556 $9,211 2.79%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 10 $2,340,000 $234,000 $8,840 2.83%
    COLUMBUS, IN (FHA|USDA|VA) 7 $2,315,000 $330,714 $7,183 3.04%
    PITTSFIELD, MA (FHA|USDA|VA) 8 $2,310,000 $288,750 $5,958 2.61%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 8 $2,300,000 $287,500 $5,380 2.69%
    Fort Leonard Wood, MO (FHA|USDA|VA) 11 $2,295,000 $208,636 $5,179 2.45%
    PEORIA, IL (FHA|USDA|VA) 9 $2,285,000 $253,889 $4,179 2.88%
    BURLINGTON, NC (FHA|USDA|VA) 10 $2,280,000 $228,000 $7,545 2.70%
    FORT SMITH, AR-OK (FHA|USDA|VA) 11 $2,215,000 $201,364 $5,739 2.64%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 10 $2,200,000 $220,000 $6,271 2.53%
    Augusta-Waterville, ME (FHA|USDA|VA) 9 $2,185,000 $242,778 $6,765 2.89%
    Prineville, OR (FHA|USDA|VA) 6 $2,170,000 $361,667 $10,870 3.29%
    REDDING, CA (FHA|USDA|VA) 7 $2,145,000 $306,429 $12,412 2.80%
    AMES, IA (FHA|USDA|VA) 7 $2,135,000 $305,000 $4,963 2.64%
    Crawfordsville, IN (FHA|USDA|VA) 12 $2,110,000 $175,833 $4,362 3.16%
    BANGOR, ME (FHA|USDA|VA) 8 $2,110,000 $263,750 $8,164 3.17%
    Port Angeles, WA (FHA|USDA|VA) 6 $2,100,000 $350,000 $8,063 2.60%
    Glenwood Springs, CO (FHA|USDA|VA) 6 $2,090,000 $348,333 $6,988 2.85%
    Laramie, WY (FHA|USDA|VA) 5 $2,085,000 $417,000 $7,106 2.95%
    LAFAYETTE, LA (FHA|USDA|VA) 10 $2,080,000 $208,000 $5,738 2.83%
    VALDOSTA, GA (FHA|USDA|VA) 10 $2,050,000 $205,000 $5,792 2.64%
    GETTYSBURG, PA (FHA|USDA|VA) 10 $2,040,000 $204,000 $7,736 2.96%
    Mountain Home, ID (FHA|USDA|VA) 6 $2,020,000 $336,667 $12,156 2.65%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 8 $2,010,000 $251,250 $9,808 2.97%
    LAWRENCE, KS (FHA|USDA|VA) 7 $1,995,000 $285,000 $5,333 2.96%
    Juneau, AK (FHA|USDA|VA) 6 $1,990,000 $331,667 $8,809 2.65%
    WHEELING, WV-OH (FHA|USDA|VA) 7 $1,965,000 $280,714 $6,373 2.98%
    TUSCALOOSA, AL (FHA|USDA|VA) 10 $1,950,000 $195,000 $6,798 2.70%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 8 $1,940,000 $242,500 $4,986 2.66%
    SIOUX FALLS, SD (FHA|USDA|VA) 7 $1,935,000 $276,429 $8,993 2.72%
    Cañon City, CO (FHA|USDA|VA) 8 $1,930,000 $241,250 $6,876 2.67%
    ST. CLOUD, MN (FHA|USDA|VA) 8 $1,920,000 $240,000 $7,824 2.83%
    Newport, OR (FHA|USDA|VA) 7 $1,915,000 $273,571 $6,526 2.41%
    Morehead City, NC (FHA|USDA|VA) 5 $1,915,000 $383,000 $5,808 2.88%
    HOT SPRINGS, AR (FHA|USDA|VA) 9 $1,915,000 $212,778 $5,959 2.66%
    Payson, AZ (FHA|USDA|VA) 7 $1,905,000 $272,143 $8,308 3.11%
    CORVALLIS, OR (FHA|USDA|VA) 5 $1,895,000 $379,000 $7,987 2.95%
    Clearlake, CA (FHA|USDA|VA) 7 $1,885,000 $269,286 $7,442 2.57%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 8 $1,850,000 $231,250 $5,654 2.69%
    FLORENCE, SC (FHA|USDA|VA) 7 $1,845,000 $263,571 $8,758 2.50%
    NILES, MI (FHA|USDA|VA) 9 $1,845,000 $205,000 $3,991 2.99%
    St. Marys, GA (FHA|USDA|VA) 9 $1,845,000 $205,000 $5,088 2.81%
    Clarksburg, WV (FHA|USDA|VA) 6 $1,840,000 $306,667 $4,783 2.69%
    Traverse City, MI (FHA|USDA|VA) 4 $1,820,000 $455,000 $8,517 2.53%
    Jefferson, GA (FHA|USDA|VA) 7 $1,815,000 $259,286 $7,430 2.80%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 7 $1,815,000 $259,286 $7,321 2.70%
    BRUNSWICK, GA (FHA|USDA|VA) 5 $1,815,000 $363,000 $9,080 2.65%
    Wilson, NC (FHA|USDA|VA) 9 $1,815,000 $201,667 $6,533 2.83%
    SHEBOYGAN, WI (FHA|USDA|VA) 10 $1,810,000 $181,000 $5,058 3.38%
    COLUMBIA, MO (FHA|USDA|VA) 8 $1,810,000 $226,250 $5,624 2.66%
    DOTHAN, AL (FHA|USDA|VA) 6 $1,780,000 $296,667 $4,252 2.67%
    LAKE CHARLES, LA (FHA|USDA|VA) 8 $1,760,000 $220,000 $4,879 2.78%
    Lake City, FL (FHA|USDA|VA) 3 $1,715,000 $571,667 $8,088 2.71%
    Gillette, WY (FHA|USDA|VA) 6 $1,710,000 $285,000 $13,104 2.77%
    Fort Polk South, LA (FHA|USDA|VA) 8 $1,710,000 $213,750 $5,410 2.73%
    Holland, MI (FHA|USDA|VA) 5 $1,695,000 $339,000 $5,054 2.98%
    UTICA-ROME, NY (FHA|USDA|VA) 7 $1,695,000 $242,143 $6,405 2.89%
    MUSKEGON, MI (FHA|USDA|VA) 7 $1,685,000 $240,714 $5,275 2.88%
    Edwards, CO (FHA|USDA|VA) 3 $1,685,000 $561,667 $7,591 2.92%
    Coos Bay, OR (FHA|USDA|VA) 7 $1,675,000 $239,286 $7,484 2.52%
    HATTIESBURG, MS (FHA|USDA|VA) 6 $1,640,000 $273,333 $9,116 2.98%
    Sandpoint, ID (FHA|USDA|VA) 4 $1,630,000 $407,500 $9,404 2.91%
    GREAT FALLS, MT (FHA|USDA|VA) 8 $1,630,000 $203,750 $5,522 2.66%
    POCATELLO, ID (FHA|USDA|VA) 5 $1,625,000 $325,000 $10,408 2.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $1,625,000 $232,143 $4,236 3.04%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 6 $1,610,000 $268,333 $5,687 2.63%
    Fairmont, WV (FHA|USDA|VA) 5 $1,605,000 $321,000 $8,337 2.73%
    LEWISTON, ID-WA (FHA|USDA|VA) 6 $1,600,000 $266,667 $10,851 2.85%
    WALLA WALLA, WA (FHA|USDA|VA) 7 $1,595,000 $227,857 $8,240 2.91%
    GLENS FALLS, NY (FHA|USDA|VA) 6 $1,580,000 $263,333 $5,728 2.48%
    JOHNSON CITY, TN (FHA|USDA|VA) 6 $1,570,000 $261,667 $8,926 2.71%
    STAUNTON, VA (FHA|USDA|VA) 6 $1,570,000 $261,667 $5,389 2.83%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 7 $1,545,000 $220,714 $7,101 2.96%
    Evanston, WY (FHA|USDA|VA) 5 $1,525,000 $305,000 $7,257 2.50%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 7 $1,515,000 $216,429 $5,647 2.61%
    CLEVELAND, TN (FHA|USDA|VA) 7 $1,515,000 $216,429 $5,934 2.79%
    Pierre, SD (FHA|USDA|VA) 5 $1,505,000 $301,000 $3,425 3.18%
    TYLER, TX (FHA|USDA|VA) 5 $1,495,000 $299,000 $3,516 3.15%
    Safford, AZ (FHA|USDA|VA) 6 $1,490,000 $248,333 $5,716 2.92%
    TERRE HAUTE, IN (FHA|USDA|VA) 7 $1,485,000 $212,143 $5,163 2.86%
    Clovis, NM (FHA|USDA|VA) 7 $1,485,000 $212,143 $9,831 2.55%
    Key West, FL (FHA|USDA|VA) 4 $1,480,000 $370,000 $7,820 3.81%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 6 $1,480,000 $246,667 $7,801 2.54%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 6 $1,440,000 $240,000 $2,765 2.90%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 7 $1,415,000 $202,143 $4,981 2.84%
    ALEXANDRIA, LA (FHA|USDA|VA) 7 $1,415,000 $202,143 $4,514 2.77%
    Montrose, CO (FHA|USDA|VA) 4 $1,410,000 $352,500 $7,390 3.44%
    ALBANY, GA (FHA|USDA|VA) 5 $1,405,000 $281,000 $7,189 2.55%
    La Grande, OR (FHA|USDA|VA) 5 $1,395,000 $279,000 $7,196 2.85%
    Española, NM (FHA|USDA|VA) 4 $1,390,000 $347,500 $7,144 2.84%
    Elko, NV (FHA|USDA|VA) 6 $1,380,000 $230,000 $8,436 2.92%
    Alexandria, MN (FHA|USDA|VA) 3 $1,375,000 $458,333 $9,543 2.63%
    Vineyard Haven, MA (FHA|USDA|VA) 3 $1,375,000 $458,333 $6,793 2.83%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 7 $1,375,000 $196,429 $4,127 2.86%
    Shelbyville, TN (FHA|USDA|VA) 6 $1,360,000 $226,667 $4,557 2.85%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 6 $1,350,000 $225,000 $6,552 2.73%
    Show Low, AZ (FHA|USDA|VA) 4 $1,330,000 $332,500 $5,960 3.03%
    DECATUR, AL (FHA|USDA|VA) 7 $1,325,000 $189,286 $3,802 2.91%
    ODESSA, TX (FHA|USDA|VA) 5 $1,315,000 $263,000 $5,005 2.70%
    Sonora, CA (FHA|USDA|VA) 5 $1,315,000 $263,000 $5,675 2.95%
    Ellensburg, WA (FHA|USDA|VA) 3 $1,315,000 $438,333 $3,487 2.42%
    FARMINGTON, NM (FHA|USDA|VA) 6 $1,310,000 $218,333 $6,968 2.79%
    Dickinson, ND (FHA|USDA|VA) 4 $1,310,000 $327,500 $9,513 2.44%
    Georgetown, SC (FHA|USDA|VA) 2 $1,310,000 $655,000 $7,629 2.56%
    Fremont, OH (FHA|USDA|VA) 6 $1,310,000 $218,333 $5,715 3.44%
    SPRINGFIELD, IL (FHA|USDA|VA) 5 $1,295,000 $259,000 $7,280 2.40%
    Fergus Falls, MN (FHA|USDA|VA) 5 $1,275,000 $255,000 $4,130 2.33%
    Cookeville, TN (FHA|USDA|VA) 5 $1,275,000 $255,000 $9,733 3.15%
    MIDLAND, TX (FHA|USDA|VA) 4 $1,270,000 $317,500 $7,449 2.91%
    Bartlesville, OK (FHA|USDA|VA) 4 $1,260,000 $315,000 $11,470 2.72%
    Susanville, CA (FHA|USDA|VA) 5 $1,255,000 $251,000 $5,758 2.78%
    Blackfoot, ID (FHA|USDA|VA) 5 $1,245,000 $249,000 $8,564 2.88%
    Richmond-Berea, KY (FHA|USDA|VA) 5 $1,245,000 $249,000 $5,628 2.68%
    Wooster, OH (FHA|USDA|VA) 5 $1,245,000 $249,000 $3,828 3.05%
    GRAND ISLAND, NE (FHA|USDA|VA) 5 $1,235,000 $247,000 $8,068 2.85%
    Ruidoso, NM (FHA|USDA|VA) 5 $1,235,000 $247,000 $6,186 2.85%
    Mountain Home, AR (FHA|USDA|VA) 3 $1,235,000 $411,667 $4,831 2.58%
    Columbus, MS (FHA|USDA|VA) 5 $1,225,000 $245,000 $4,875 2.73%
    Riverton, WY (FHA|USDA|VA) 6 $1,210,000 $201,667 $5,893 3.10%
    Albertville, AL (FHA|USDA|VA) 5 $1,195,000 $239,000 $11,592 2.55%
    ABILENE, TX (FHA|USDA|VA) 4 $1,180,000 $295,000 $6,140 2.56%
    Bozeman, MT (FHA|USDA|VA) 4 $1,170,000 $292,500 $14,055 2.56%
    MORRISTOWN, TN (FHA|USDA|VA) 5 $1,165,000 $233,000 $5,899 2.85%
    Elizabeth City, NC (FHA|USDA|VA) 6 $1,160,000 $193,333 $5,846 2.92%
    Rochelle, IL (FHA|USDA|VA) 4 $1,150,000 $287,500 $6,141 2.94%
    Greeneville, TN (FHA|USDA|VA) 4 $1,150,000 $287,500 $9,104 2.78%
    MONROE, LA (FHA|USDA|VA) 4 $1,150,000 $287,500 $5,545 2.69%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 5 $1,145,000 $229,000 $6,404 2.73%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 5 $1,145,000 $229,000 $7,239 2.63%
    Bardstown, KY (FHA|USDA|VA) 5 $1,145,000 $229,000 $7,291 3.03%
    Brainerd, MN (FHA|USDA|VA) 5 $1,135,000 $227,000 $7,390 2.50%
    EAU CLAIRE, WI (FHA|USDA|VA) 4 $1,130,000 $282,500 $6,085 2.59%
    Craig, CO (FHA|USDA|VA) 4 $1,120,000 $280,000 $7,355 3.50%
    HARRISONBURG, VA (FHA|USDA|VA) 4 $1,120,000 $280,000 $6,971 2.53%
    JEFFERSON CITY, MO (FHA|USDA|VA) 5 $1,115,000 $223,000 $9,072 2.43%
    MIDLAND, MI (FHA|USDA|VA) 5 $1,115,000 $223,000 $6,275 2.78%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $1,100,000 $550,000 $17,053 2.88%
    MONROE, MI (FHA|USDA|VA) 4 $1,100,000 $275,000 $11,466 2.51%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 5 $1,085,000 $217,000 $7,718 2.45%
    APPLETON, WI (FHA|USDA|VA) 4 $1,070,000 $267,500 $7,066 2.97%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 5 $1,065,000 $213,000 $6,281 2.85%
    Albemarle, NC (FHA|USDA|VA) 4 $1,060,000 $265,000 $8,016 2.78%
    Kearney, NE (FHA|USDA|VA) 4 $1,060,000 $265,000 $4,358 2.75%
    Fallon, NV (FHA|USDA|VA) 4 $1,040,000 $260,000 $5,487 2.66%
    Searcy, AR (FHA|USDA|VA) 3 $1,035,000 $345,000 $7,070 2.46%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 5 $1,035,000 $207,000 $5,635 3.05%
    JONESBORO, AR (FHA|USDA|VA) 4 $1,030,000 $257,500 $4,506 3.41%
    Palatka, FL (FHA|USDA|VA) 4 $1,030,000 $257,500 $9,085 2.53%
    ENID, OK (FHA|USDA|VA) 5 $1,025,000 $205,000 $7,949 2.33%
    Norwalk, OH (FHA|USDA|VA) 5 $1,015,000 $203,000 $4,393 2.95%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 4 $1,010,000 $252,500 $9,325 2.84%
    Brevard, NC (FHA|USDA|VA) 3 $1,005,000 $335,000 $10,224 2.25%
    Mount Vernon, OH (FHA|USDA|VA) 3 $995,000 $331,667 $3,151 2.50%
    Spirit Lake, IA (FHA|USDA|VA) 2 $990,000 $495,000 $8,348 2.31%
    Vernal, UT (FHA|USDA|VA) 5 $985,000 $197,000 $6,825 2.88%
    Danville, VA (FHA|USDA|VA) 3 $975,000 $325,000 $6,351 2.50%
    ROCKY MOUNT, NC (FHA|USDA|VA) 4 $970,000 $242,500 $5,373 2.75%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 5 $955,000 $191,000 $4,910 2.58%
    AMARILLO, TX (FHA|USDA|VA) 3 $955,000 $318,333 $9,243 2.54%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 5 $945,000 $189,000 $5,333 2.95%
    Keene, NH (FHA|USDA|VA) 4 $940,000 $235,000 $6,818 2.41%
    JACKSON, TN (FHA|USDA|VA) 5 $935,000 $187,000 $8,648 2.85%
    HAMMOND, LA (FHA|USDA|VA) 3 $935,000 $311,667 $4,556 2.58%
    STATE COLLEGE, PA (FHA|USDA|VA) 4 $920,000 $230,000 $9,143 2.38%
    Cullman, AL (FHA|USDA|VA) 4 $920,000 $230,000 $7,312 2.56%
    Red Bluff, CA (FHA|USDA|VA) 5 $915,000 $183,000 $4,563 3.22%
    Crescent City, CA (FHA|USDA|VA) 3 $915,000 $305,000 $3,588 2.42%
    Warsaw, IN (FHA|USDA|VA) 4 $910,000 $227,500 $6,963 2.50%
    Russellville, AR (FHA|USDA|VA) 4 $910,000 $227,500 $5,302 2.78%
    Malone, NY (FHA|USDA|VA) 3 $905,000 $301,667 $5,739 2.58%
    ERIE, PA (FHA|USDA|VA) 5 $905,000 $181,000 $6,432 3.35%
    North Wilkesboro, NC (FHA|USDA|VA) 3 $905,000 $301,667 $9,097 2.63%
    Farmington, MO (FHA|USDA|VA) 3 $885,000 $295,000 $5,378 2.25%
    Ontario, OR-ID (FHA|USDA|VA) 3 $875,000 $291,667 $13,891 2.54%
    Statesboro, GA (FHA|USDA|VA) 4 $870,000 $217,500 $3,537 2.81%
    Sidney, OH (FHA|USDA|VA) 3 $865,000 $288,333 $5,902 2.92%
    Huntingdon, PA (FHA|USDA|VA) 2 $860,000 $430,000 $6,121 2.38%
    Ashtabula, OH (FHA|USDA|VA) 3 $855,000 $285,000 $3,359 1.92%
    IOWA CITY, IA (FHA|USDA|VA) 3 $855,000 $285,000 $4,916 3.04%
    DeRidder, LA (FHA|USDA|VA) 3 $835,000 $278,333 $7,457 2.50%
    Rock Springs, WY (FHA|USDA|VA) 4 $830,000 $207,500 $4,980 3.06%
    Natchitoches, LA (FHA|USDA|VA) 3 $825,000 $275,000 $4,183 2.83%
    Shawnee, OK (FHA|USDA|VA) 3 $825,000 $275,000 $9,539 2.79%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $825,000 $275,000 $5,207 3.00%
    Hailey, ID (FHA|USDA|VA) 2 $820,000 $410,000 $4,234 4.06%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 3 $805,000 $268,333 $7,857 2.79%
    Jesup, GA (FHA|USDA|VA) 3 $805,000 $268,333 $6,079 2.75%
    Chillicothe, OH (FHA|USDA|VA) 3 $795,000 $265,000 $6,506 3.17%
    Newport, TN (FHA|USDA|VA) 2 $790,000 $395,000 $4,628 2.31%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $790,000 $395,000 $6,385 2.50%
    Findlay, OH (FHA|USDA|VA) 3 $785,000 $261,667 $11,896 2.63%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 4 $780,000 $195,000 $4,542 2.53%
    LaGrange, GA-AL (FHA|USDA|VA) 3 $775,000 $258,333 $5,543 2.46%
    Beaver Dam, WI (FHA|USDA|VA) 4 $770,000 $192,500 $4,858 2.81%
    Eureka-Arcata, CA (FHA|USDA|VA) 3 $765,000 $255,000 $7,805 2.58%
    Hobbs, NM (FHA|USDA|VA) 2 $760,000 $380,000 $9,740 2.50%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $755,000 $251,667 $5,697 2.79%
    DUBUQUE, IA (FHA|USDA|VA) 4 $750,000 $187,500 $6,235 2.50%
    North Platte, NE (FHA|USDA|VA) 3 $745,000 $248,333 $7,004 2.75%
    Faribault-Northfield, MN (FHA|USDA|VA) 3 $745,000 $248,333 $8,493 2.50%
    Salem, OH (FHA|USDA|VA) 3 $745,000 $248,333 $6,961 2.54%
    Enterprise, AL (FHA|USDA|VA) 4 $740,000 $185,000 $5,191 2.50%
    Marquette, MI (FHA|USDA|VA) 4 $740,000 $185,000 $6,715 2.53%
    WILLIAMSPORT, PA (FHA|USDA|VA) 3 $735,000 $245,000 $10,688 2.71%
    Marion, OH (FHA|USDA|VA) 3 $735,000 $245,000 $4,694 2.79%
    Alexander City, AL (FHA|USDA|VA) 2 $730,000 $365,000 $6,101 2.94%
    Portsmouth, OH (FHA|USDA|VA) 3 $725,000 $241,667 $4,435 3.50%
    Cambridge, MD (FHA|USDA|VA) 3 $725,000 $241,667 $4,805 2.71%
    Butte-Silver Bow, MT (FHA|USDA|VA) 3 $725,000 $241,667 $5,713 2.75%
    CHARLESTON, WV (FHA|USDA|VA) 3 $725,000 $241,667 $5,745 2.63%
    Celina, OH (FHA|USDA|VA) 3 $725,000 $241,667 $6,811 3.29%
    Klamath Falls, OR (FHA|USDA|VA) 3 $715,000 $238,333 $7,159 2.46%
    Williston, ND (FHA|USDA|VA) 2 $710,000 $355,000 $11,492 2.38%
    Owatonna, MN (FHA|USDA|VA) 2 $710,000 $355,000 $4,523 2.25%
    Dublin, GA (FHA|USDA|VA) 3 $705,000 $235,000 $7,179 2.92%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 4 $700,000 $175,000 $5,850 2.84%
    Steamboat Springs, CO (FHA|USDA|VA) 2 $700,000 $350,000 $3,410 2.88%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 4 $700,000 $175,000 $5,889 3.03%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 3 $695,000 $231,667 $3,726 3.08%
    Berlin, NH (FHA|USDA|VA) 3 $685,000 $228,333 $5,092 3.46%
    Effingham, IL (FHA|USDA|VA) 2 $680,000 $340,000 $3,133 2.50%
    Boone, NC (FHA|USDA|VA) 2 $680,000 $340,000 $8,331 2.81%
    Stillwater, OK (FHA|USDA|VA) 2 $680,000 $340,000 $16,994 2.44%
    Ketchikan, AK (FHA|USDA|VA) 2 $680,000 $340,000 $7,151 2.63%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $675,000 $225,000 $3,082 2.75%
    Winnemucca, NV (FHA|USDA|VA) 3 $675,000 $225,000 $7,309 3.08%
    Los Alamos, NM (FHA|USDA|VA) 3 $665,000 $221,667 $5,759 2.71%
    New Castle, IN (FHA|USDA|VA) 3 $665,000 $221,667 $6,581 2.88%
    Seymour, IN (FHA|USDA|VA) 3 $665,000 $221,667 $4,270 3.25%
    Tupelo, MS (FHA|USDA|VA) 3 $655,000 $218,333 $5,347 2.29%
    Crossville, TN (FHA|USDA|VA) 3 $655,000 $218,333 $8,277 2.71%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $650,000 $162,500 $4,582 3.03%
    ALTOONA, PA (FHA|USDA|VA) 3 $645,000 $215,000 $4,713 2.54%
    Branson, MO (FHA|USDA|VA) 3 $645,000 $215,000 $5,928 2.54%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 3 $635,000 $211,667 $8,989 2.83%
    MORGANTOWN, WV (FHA|USDA|VA) 3 $635,000 $211,667 $4,114 2.63%
    Athens, OH (FHA|USDA|VA) 2 $630,000 $315,000 $4,961 4.00%
    JOPLIN, MO (FHA|USDA|VA) 2 $630,000 $315,000 $5,000 2.50%
    Ukiah, CA (FHA|USDA|VA) 3 $625,000 $208,333 $8,940 2.75%
    FLINT, MI (FHA|USDA|VA) 3 $625,000 $208,333 $8,507 2.25%
    Fremont, NE (FHA|USDA|VA) 2 $620,000 $310,000 $5,017 2.31%
    Lewisburg, TN (FHA|USDA|VA) 3 $615,000 $205,000 $8,114 2.67%
    Paragould, AR (FHA|USDA|VA) 3 $615,000 $205,000 $6,300 2.75%
    Lebanon, MO (FHA|USDA|VA) 2 $610,000 $305,000 $2,275 2.50%
    Warren, PA (FHA|USDA|VA) 1 $605,000 $605,000 $6,925 2.88%
    ELMIRA, NY (FHA|USDA|VA) 1 $605,000 $605,000 $8,085 2.75%
    Ozark, AL (FHA|USDA|VA) 2 $600,000 $300,000 $2,688 2.31%
    McComb, MS (FHA|USDA|VA) 2 $600,000 $300,000 $8,643 2.81%
    Clinton, IA (FHA|USDA|VA) 2 $600,000 $300,000 $10,161 2.50%
    JACKSON, MI (FHA|USDA|VA) 3 $595,000 $198,333 $6,594 2.88%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $590,000 $295,000 $5,526 2.25%
    ROME, GA (FHA|USDA|VA) 2 $590,000 $295,000 $9,569 2.63%
    Thomasville, GA (FHA|USDA|VA) 2 $590,000 $295,000 $10,581 2.56%
    Ruston, LA (FHA|USDA|VA) 2 $580,000 $290,000 $3,782 2.50%
    Harrison, AR (FHA|USDA|VA) 2 $580,000 $290,000 $5,597 3.38%
    Scottsboro, AL (FHA|USDA|VA) 1 $575,000 $575,000 $7,866 2.25%
    Huntington, IN (FHA|USDA|VA) 3 $575,000 $191,667 $4,925 2.86%
    Paris, TX (FHA|USDA|VA) 1 $565,000 $565,000 $5,083 2.25%
    OWENSBORO, KY (FHA|USDA|VA) 3 $565,000 $188,333 $4,653 2.63%
    Alamogordo, NM (FHA|USDA|VA) 4 $560,000 $140,000 $5,684 2.75%
    MANKATO, MN (FHA|USDA|VA) 2 $550,000 $275,000 $9,303 2.31%
    Ottawa, KS (FHA|USDA|VA) 2 $550,000 $275,000 $10,251 2.50%
    Frankfort, KY (FHA|USDA|VA) 2 $550,000 $275,000 $9,586 2.69%
    TEXARKANA, TX-AR (FHA|USDA|VA) 2 $540,000 $270,000 $6,344 2.50%
    Ludington, MI (FHA|USDA|VA) 2 $530,000 $265,000 $5,825 2.88%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $530,000 $265,000 $3,910 2.50%
    Nogales, AZ (FHA|USDA|VA) 2 $530,000 $265,000 $11,277 2.56%
    Salina, KS (FHA|USDA|VA) 2 $520,000 $260,000 $11,296 2.81%
    Marion, IN (FHA|USDA|VA) 2 $520,000 $260,000 $4,911 2.31%
    The Dalles, OR (FHA|USDA|VA) 2 $520,000 $260,000 $8,878 2.69%
    Cornelia, GA (FHA|USDA|VA) 2 $520,000 $260,000 $6,576 2.50%
    Mitchell, SD (FHA|USDA|VA) 1 $505,000 $505,000 $2,690 2.50%
    Lumberton, NC (FHA|USDA|VA) 3 $505,000 $168,333 $5,841 2.63%
    West Plains, MO (FHA|USDA|VA) 2 $500,000 $250,000 $6,229 2.38%
    Othello, WA (FHA|USDA|VA) 2 $500,000 $250,000 $2,890 3.50%
    Corsicana, TX (FHA|USDA|VA) 2 $500,000 $250,000 $5,354 3.19%
    Adrian, MI (FHA|USDA|VA) 2 $500,000 $250,000 $3,435 3.31%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $500,000 $250,000 $5,070 3.00%
    Forest City, NC (FHA|USDA|VA) 3 $495,000 $165,000 $2,852 2.67%
    Hudson, NY (FHA|USDA|VA) 2 $490,000 $245,000 $9,763 2.25%
    Ogdensburg-Massena, NY (FHA|USDA|VA) 2 $490,000 $245,000 $4,927 2.81%
    Starkville, MS (FHA|USDA|VA) 2 $480,000 $240,000 $6,090 2.63%
    Brookhaven, MS (FHA|USDA|VA) 2 $480,000 $240,000 $10,407 3.06%
    London, KY (FHA|USDA|VA) 2 $480,000 $240,000 $5,330 2.81%
    Orangeburg, SC (FHA|USDA|VA) 2 $470,000 $235,000 $7,540 2.69%
    LONGVIEW, TX (FHA|USDA|VA) 2 $470,000 $235,000 $3,496 2.75%
    Frankfort, IN (FHA|USDA|VA) 2 $470,000 $235,000 $5,379 3.13%
    BATTLE CREEK, MI (FHA|USDA|VA) 3 $465,000 $155,000 $3,501 3.00%
    Urbana, OH (FHA|USDA|VA) 2 $460,000 $230,000 $3,756 3.31%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $460,000 $230,000 $3,151 2.56%
    Pullman, WA (FHA|USDA|VA) 1 $455,000 $455,000 $24,180 2.75%
    Zanesville, OH (FHA|USDA|VA) 2 $450,000 $225,000 $2,678 3.00%
    Hillsdale, MI (FHA|USDA|VA) 3 $445,000 $148,333 $3,225 2.88%
    EL CENTRO, CA (FHA|USDA|VA) 2 $440,000 $220,000 $9,488 3.13%
    Lawrenceburg, TN (FHA|USDA|VA) 2 $440,000 $220,000 $5,126 2.63%
    Nacogdoches, TX (FHA|USDA|VA) 2 $440,000 $220,000 $5,758 3.44%
    CARSON CITY, NV (FHA|USDA|VA) 2 $440,000 $220,000 $3,423 2.42%
    New Castle, PA (FHA|USDA|VA) 1 $435,000 $435,000 $7,095 2.25%
    Granbury, TX (FHA|USDA|VA) 1 $435,000 $435,000 $3,843 3.00%
    Meadville, PA (FHA|USDA|VA) 2 $430,000 $215,000 $5,246 3.00%
    Stevens Point, WI (FHA|USDA|VA) 2 $430,000 $215,000 $8,403 2.81%
    Americus, GA (FHA|USDA|VA) 2 $420,000 $210,000 $4,883 3.00%
    Malvern, AR (FHA|USDA|VA) 2 $410,000 $205,000 $6,627 2.56%
    Mount Airy, NC (FHA|USDA|VA) 2 $410,000 $205,000 $6,829 2.44%
    Burley, ID (FHA|USDA|VA) 2 $410,000 $205,000 $9,302 2.94%
    Mineral Wells, TX (FHA|USDA|VA) 1 $405,000 $405,000 $4,264 2.75%
    FOND DU LAC, WI (FHA|USDA|VA) 2 $400,000 $200,000 $7,907 2.88%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $395,000 $395,000 $5,610 2.75%
    Duncan, OK (FHA|USDA|VA) 1 $395,000 $395,000 $11,614 2.88%
    Rolla, MO (FHA|USDA|VA) 2 $390,000 $195,000 $3,684 2.50%
    Washington, NC (FHA|USDA|VA) 2 $390,000 $195,000 $7,641 2.63%
    Indiana, PA (FHA|USDA|VA) 2 $390,000 $195,000 $6,297 2.81%
    Brookings, SD (FHA|USDA|VA) 1 $385,000 $385,000 $3,716 3.63%
    Sikeston, MO (FHA|USDA|VA) 1 $385,000 $385,000 $9,557 2.25%
    MANSFIELD, OH (FHA|USDA|VA) 2 $380,000 $190,000 $7,014 2.50%
    Marshall, MN (FHA|USDA|VA) 2 $380,000 $190,000 $2,084 2.50%
    Lincoln, IL (FHA|USDA|VA) 2 $380,000 $190,000 $4,024 2.38%
    Bemidji, MN (FHA|USDA|VA) 2 $380,000 $190,000 $12,412 2.38%
    Austin, MN (FHA|USDA|VA) 2 $380,000 $190,000 $5,852 2.94%
    Paducah, KY-IL (FHA|USDA|VA) 3 $375,000 $125,000 $4,452 3.00%
    Altus, OK (FHA|USDA|VA) 2 $370,000 $185,000 $5,907 2.75%
    Vicksburg, MS (FHA|USDA|VA) 2 $370,000 $185,000 $5,383 2.50%
    Rutland, VT (FHA|USDA|VA) 2 $370,000 $185,000 $12,545 2.75%
    Aberdeen, SD (FHA|USDA|VA) 2 $370,000 $185,000 $5,497 2.75%
    Sturgis, MI (FHA|USDA|VA) 2 $360,000 $180,000 $5,371 3.19%
    Calhoun, GA (FHA|USDA|VA) 2 $360,000 $180,000 $6,311 2.81%
    Decatur, IN (FHA|USDA|VA) 2 $360,000 $180,000 $7,077 3.38%
    Cedartown, GA (FHA|USDA|VA) 1 $355,000 $355,000 $6,881 2.75%
    Willmar, MN (FHA|USDA|VA) 1 $355,000 $355,000 $7,872 2.25%
    Athens, TX (FHA|USDA|VA) 1 $355,000 $355,000 $11,138 2.88%
    Plymouth, IN (FHA|USDA|VA) 2 $350,000 $175,000 $2,174 3.69%
    Moultrie, GA (FHA|USDA|VA) 2 $350,000 $175,000 $3,874 3.06%
    Henderson, NC (FHA|USDA|VA) 1 $345,000 $345,000 $14,526 2.88%
    Waycross, GA (FHA|USDA|VA) 1 $335,000 $335,000 $14,181 4.00%
    Elk City, OK (FHA|USDA|VA) 1 $335,000 $335,000 $8,276 2.25%
    WACO, TX (FHA|USDA|VA) 1 $335,000 $335,000 $8,370 2.75%
    Baraboo, WI (FHA|USDA|VA) 1 $335,000 $335,000 $659 2.25%
    Olean, NY (FHA|USDA|VA) 1 $335,000 $335,000 $4,334 3.13%
    LAREDO, TX (FHA|USDA|VA) 2 $330,000 $165,000 $6,138 2.63%
    Dixon, IL (FHA|USDA|VA) 1 $325,000 $325,000 $5,745 2.38%
    Taylorville, IL (FHA|USDA|VA) 2 $320,000 $160,000 $4,748 3.00%
    Peru, IN (FHA|USDA|VA) 2 $320,000 $160,000 $6,567 2.81%
    Athens, TN (FHA|USDA|VA) 2 $320,000 $160,000 $5,934 2.88%
    Rexburg, ID (FHA|USDA|VA) 1 $315,000 $315,000 $8,951 2.75%
    Hastings, NE (FHA|USDA|VA) 1 $315,000 $315,000 $12,943 3.25%
    Cortland, NY (FHA|USDA|VA) 1 $305,000 $305,000 $4,196 3.00%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $305,000 $305,000 $5,915 2.75%
    DECATUR, IL (FHA|USDA|VA) 2 $300,000 $150,000 $4,708 3.19%
    Somerset, KY (FHA|USDA|VA) 2 $300,000 $150,000 $3,400 2.88%
    Washington Court House, OH (FHA|USDA|VA) 1 $295,000 $295,000 $1,763 2.38%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $295,000 $295,000 $10,531 2.25%
    DALTON, GA (FHA|USDA|VA) 1 $295,000 $295,000 $10,633 3.00%
    Manitowoc, WI (FHA|USDA|VA) 1 $295,000 $295,000 $18,272 2.63%
    Kendallville, IN (FHA|USDA|VA) 2 $290,000 $145,000 $5,736 3.19%
    Corning, NY (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.75%
    Norfolk, NE (FHA|USDA|VA) 1 $285,000 $285,000 $8,894 3.63%
    Bucyrus-Galion, OH (FHA|USDA|VA) 2 $280,000 $140,000 $5,168 3.00%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $275,000 $275,000 $8,067 2.50%
    Paris, TN (FHA|USDA|VA) 1 $275,000 $275,000 $10,278 2.50%
    Jamestown, ND (FHA|USDA|VA) 1 $275,000 $275,000 $2,965 2.25%
    SAGINAW, MI (FHA|USDA|VA) 1 $275,000 $275,000 $8,331 2.25%
    Fredericksburg, TX (FHA|USDA|VA) 1 $275,000 $275,000 $12,953 2.75%
    Huntsville, TX (FHA|USDA|VA) 1 $265,000 $265,000 $10,010 3.50%
    Greenwood, SC (FHA|USDA|VA) 1 $265,000 $265,000 $3,376 2.25%
    Ardmore, OK (FHA|USDA|VA) 1 $265,000 $265,000 $11,107 2.75%
    El Dorado, AR (FHA|USDA|VA) 1 $255,000 $255,000 $8,101 2.88%
    Moscow, ID (FHA|USDA|VA) 1 $255,000 $255,000 $7,258 2.88%
    Marion, NC (FHA|USDA|VA) 1 $255,000 $255,000 $3,713 2.88%
    Martin, TN (FHA|USDA|VA) 1 $255,000 $255,000 $13,343 2.88%
    Scottsbluff, NE (FHA|USDA|VA) 1 $255,000 $255,000 $1,387 4.25%
    Huron, SD (FHA|USDA|VA) 1 $245,000 $245,000 $14,576 2.63%
    Sedalia, MO (FHA|USDA|VA) 1 $245,000 $245,000 $6,565 2.25%
    Las Vegas, NM (FHA|USDA|VA) 1 $245,000 $245,000 $6,726 2.63%
    Barre, VT (FHA|USDA|VA) 1 $245,000 $245,000 $6,501 2.25%
    Douglas, GA (FHA|USDA|VA) 1 $235,000 $235,000 $4,388 2.25%
    McMinnville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $17,783 2.75%
    Pottsville, PA (FHA|USDA|VA) 1 $235,000 $235,000 $6,881 2.25%
    Durant, OK (FHA|USDA|VA) 1 $235,000 $235,000 $19,509 3.00%
    Alice, TX (FHA|USDA|VA) 1 $235,000 $235,000 $7,718 3.63%
    Hannibal, MO (FHA|USDA|VA) 1 $235,000 $235,000 $6,040 2.25%
    Forrest City, AR (FHA|USDA|VA) 1 $225,000 $225,000 $7,554 2.25%
    DuBois, PA (FHA|USDA|VA) 1 $225,000 $225,000 $7,308 3.38%
    Marietta, OH (FHA|USDA|VA) 1 $225,000 $225,000 $9,184 2.75%
    Murray, KY (FHA|USDA|VA) 1 $225,000 $225,000 $5,508 2.25%
    Sheridan, WY (FHA|USDA|VA) 1 $225,000 $225,000 $14,691 2.25%
    VICTORIA, TX (FHA|USDA|VA) 1 $225,000 $225,000 $2,852 2.88%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $225,000 $225,000 $16,821 2.38%
    Escanaba, MI (FHA|USDA|VA) 1 $225,000 $225,000 $4,105 2.50%
    Clewiston, FL (FHA|USDA|VA) 1 $225,000 $225,000 $16,024 2.50%
    Cambridge, OH (FHA|USDA|VA) 1 $225,000 $225,000 $5,898 3.25%
    Auburn, IN (FHA|USDA|VA) 1 $225,000 $225,000 $8,795 2.50%
    Blytheville, AR (FHA|USDA|VA) 1 $215,000 $215,000 $12,920 2.75%
    Red Wing, MN (FHA|USDA|VA) 1 $215,000 $215,000 $3,227 3.25%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $215,000 $215,000 $12,666 2.25%
    Price, UT (FHA|USDA|VA) 1 $215,000 $215,000 $7,392 3.25%
    Oskaloosa, IA (FHA|USDA|VA) 1 $215,000 $215,000 $2,044 2.75%
    Oneonta, NY (FHA|USDA|VA) 1 $215,000 $215,000 $5,258 3.38%
    Mount Vernon, IL (FHA|USDA|VA) 1 $215,000 $215,000 $8,168 2.63%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $215,000 $215,000 $16,913 2.63%
    Tifton, GA (FHA|USDA|VA) 1 $205,000 $205,000 $10,237 2.25%
    Bluffton, IN (FHA|USDA|VA) 1 $205,000 $205,000 $4,449 2.63%
    Ada, OK (FHA|USDA|VA) 1 $205,000 $205,000 $8,860 3.13%
    Beatrice, NE (FHA|USDA|VA) 1 $205,000 $205,000 $4,781 3.25%
    Muskogee, OK (FHA|USDA|VA) 1 $205,000 $205,000 $5,598 2.25%
    Hutchinson, KS (FHA|USDA|VA) 1 $205,000 $205,000 $6,840 2.75%
    Picayune, MS (FHA|USDA|VA) 1 $205,000 $205,000 $4,614 3.13%
    Summerville, GA (FHA|USDA|VA) 1 $205,000 $205,000 $6,927 2.38%
    Angola, IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,841 2.25%
    Hutchinson, MN (FHA|USDA|VA) 1 $195,000 $195,000 $2,753 3.38%
    Fort Payne, AL (FHA|USDA|VA) 1 $195,000 $195,000 $7,709 2.25%
    Sandusky, OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,592 3.38%
    Gloversville, NY (FHA|USDA|VA) 1 $195,000 $195,000 $3,347 2.25%
    Rockingham, NC (FHA|USDA|VA) 1 $195,000 $195,000 $7,055 2.25%
    Tiffin, OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,392 2.88%
    Vincennes, IN (FHA|USDA|VA) 1 $185,000 $185,000 $5,442 2.75%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,341 2.38%
    Brookings, OR (FHA|USDA|VA) 1 $185,000 $185,000 $5,895 2.25%
    Thomaston, GA (FHA|USDA|VA) 1 $185,000 $185,000 $5,000 2.25%
    Jasper, AL (FHA|USDA|VA) 1 $185,000 $185,000 $3,558 3.38%
    Quincy, IL-MO (FHA|USDA|VA) 1 $185,000 $185,000 $5,404 2.38%
    Somerset, PA (FHA|USDA|VA) 1 $185,000 $185,000 $7,280 2.75%
    DANVILLE, IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,952 2.25%
    Bellefontaine, OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,552 2.75%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $175,000 $175,000 $4,084 3.63%
    BAY CITY, MI (FHA|USDA|VA) 1 $175,000 $175,000 $9,960 2.38%
    Jennings, LA (FHA|USDA|VA) 1 $175,000 $175,000 $5,610 2.75%
    BECKLEY, WV (FHA|USDA|VA) 1 $175,000 $175,000 $13,630 2.50%
    Opelousas, LA (FHA|USDA|VA) 1 $175,000 $175,000 $5,015 2.25%
    Washington, IN (FHA|USDA|VA) 1 $165,000 $165,000 $4,219 2.75%
    Coldwater, MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,225 3.00%
    LIMA, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,202 2.75%
    Tahlequah, OK (FHA|USDA|VA) 1 $165,000 $165,000 $5,859 3.75%
    Campbellsville, KY (FHA|USDA|VA) 1 $155,000 $155,000 $4,244 2.25%
    Danville, KY (FHA|USDA|VA) 1 $155,000 $155,000 $2,999 2.88%
    Atchison, KS (FHA|USDA|VA) 1 $155,000 $155,000 $6,944 2.25%
    Roswell, NM (FHA|USDA|VA) 1 $155,000 $155,000 $3,423 2.88%
    Bonham, TX (FHA|USDA|VA) 1 $145,000 $145,000 $7,763 2.75%
    PINE BLUFF, AR (FHA|USDA|VA) 1 $145,000 $145,000 $3,198 2.50%
    Garden City, KS (FHA|USDA|VA) 1 $145,000 $145,000 $8,684 2.75%
    Big Rapids, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,808 3.25%
    Silver City, NM (FHA|USDA|VA) 1 $145,000 $145,000 $5,210 2.75%
    Defiance, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,653 2.75%
    Centralia, IL (FHA|USDA|VA) 1 $135,000 $135,000 $3,529 2.75%
    Dayton, TN (FHA|USDA|VA) 1 $125,000 $125,000 $4,172 5.00%
    Bradford, PA (FHA|USDA|VA) 1 $125,000 $125,000 $6,853 2.75%
    Sayre, PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.58%
    Laurel, MS (FHA|USDA|VA) 1 $85,000 $85,000 $2,740 2.75%
    Winfield, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,363 2.88%
    Newberry, SC (FHA|USDA|VA) 1 $65,000 $65,000 $644 4.99%

    The Federal Savings Bank's top markets include New York, Chicago, Washington, Seattle, and Phoenix among others.

    Similar Lenders

    We use machine learning to identify the top lenders compared against The Federal Savings Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Titan Mortgage Capital, Inc.
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 12,942 $4,491,560,000 $347,053 $6,294 3.11%
    VA 12,792 $4,290,660,000 $335,417 $8,098 2.55%
    FHA 3,198 $1,025,060,000 $320,532 $11,663 2.88%
    FHA 155 $38,515,000 $248,484 $0 2.50%
    USDA 77 $15,915,000 $206,688 $4,984 2.58%
    FHA 17 $4,435,000 $260,882 $0 3.48%
    Reverse Mortgage 1 $1,235,000 $1,235,000 $0 6.75%

    For 2021, The Federal Savings Bank's most frequently originated type of loan was Conventional, with 12,942 originations. Their 2nd most popular type was VA, with 12,792 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 12,273 $4,053,725,000 $330,296 $5,558 2.67%
    Cash Out Refi 9,679 $3,254,545,000 $336,248 $10,278 2.84%
    Home Purchase 6,997 $2,502,025,000 $357,585 $7,942 3.09%
    Other 203 $54,865,000 $270,271 $5,457 3.49%
    Home Improvement 30 $2,220,000 $74,000 $1,058 5.29%

    For 2021, The Federal Savings Bank's most frequently cited loan purpose was Refi, with 12,273 originations. The 2nd most popular reason was Cash Out Refi, with 9,679 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 26,719 $9,211,265,000 $344,746 $7,902 2.84%
    15 Year 1,255 $319,235,000 $254,371 $4,927 2.69%
    20 Year 546 $147,520,000 $270,183 $6,047 2.83%
    Other 528 $143,420,000 $271,629 $6,597 2.75%
    30+ year 71 $32,905,000 $463,451 $9,298 4.10%
    10 Year 62 $12,980,000 $209,355 $4,202 2.57%
    1 Year 1 $55,000 $55,000 $545 4.90%

    For 2021, The Federal Savings Bank's most frequently cited loan duration was 30 Year, with 26,719 originations. The 2nd most popular length was 15 Year, with 1,255 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 8,443 $3,249,005,000 $384,816
    $1k-2k 7,485 $2,415,495,000 $322,711
    $<1k 3,558 $1,339,500,000 $376,476
    $3k-4k 2,900 $841,460,000 $290,159
    $2k-3k 2,866 $861,300,000 $300,523
    $4k-5k 2,513 $763,055,000 $303,643

    The Federal Savings Bank's average total fees were $7,902, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 8,443 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 12,220 $4,112,570,000 $336,544
    <2.5% 8,748 $3,202,580,000 $366,093
    3-4% 7,781 $2,446,905,000 $314,472
    4-5% 403 $97,275,000 $241,377
    5-6% 23 $6,195,000 $269,348
    6-7% 7 $1,855,000 $265,000

    During 2021, The Federal Savings Bank's average interest rate for loans was 2.84%, while their most frequently originated rate bucket for loans was 2.5-3%, with 12,220 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 16,075 $4,544,435,000 $282,702 $7,432 2.82%
    $100k-200k 5,305 $879,095,000 $165,711 $5,183 2.94%
    $400k-600k 5,124 $2,465,960,000 $481,257 $8,791 2.77%
    $600k-1MM 2,017 $1,496,495,000 $741,941 $12,325 2.75%
    $1MM+ 364 $458,060,000 $1,258,407 $17,287 2.73%
    $100,000 or less 297 $23,335,000 $78,569 $3,276 3.60%

    2021 saw The Federal Savings Bank place emphasis on $200k-400k loans with 16,075 originations, totaling $4,544,435,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 5,781 $1,518,695,000 $262,705 $8,251 2.93%
    $100k-150k 5,018 $1,929,040,000 $384,424 $9,141 2.95%
    $75k-100k 4,563 $1,438,345,000 $315,219 $8,714 2.95%
    $50k or less 3,061 $622,555,000 $203,383 $7,320 2.92%
    $150k-250k 2,832 $1,366,250,000 $482,433 $9,036 2.96%
    $250k+ 1,229 $824,305,000 $670,712 $9,600 2.97%

    The Federal Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 5,781 originations. The second most popular income band? $100k-150k, with 5,018 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 3,641 $1,208,115,000 $331,809 $7,735 2.97%
    20-30% 3,318 $1,136,280,000 $342,459 $7,265 2.93%
    50-60% 2,098 $772,330,000 $368,127 $12,334 2.77%
    44% 1,172 $390,080,000 $332,833 $8,195 3.06%
    49% 1,114 $392,690,000 $352,504 $9,272 2.95%
    42% 1,030 $367,240,000 $356,544 $8,620 3.01%
    43% 992 $332,380,000 $335,060 $8,085 3.03%
    41% 928 $318,150,000 $342,834 $8,348 3.00%
    <20% 900 $313,710,000 $348,567 $6,279 2.88%
    45% 892 $301,770,000 $338,307 $8,949 2.96%
    40% 891 $292,795,000 $328,614 $8,162 3.00%
    39% 808 $266,380,000 $329,678 $8,088 3.02%
    38% 778 $260,990,000 $335,463 $8,008 3.00%
    48% 776 $266,230,000 $343,080 $9,283 2.89%
    37% 752 $255,970,000 $340,386 $8,235 2.98%
    47% 750 $267,320,000 $356,427 $10,142 2.90%
    46% 743 $249,555,000 $335,875 $9,252 2.92%
    36% 681 $230,255,000 $338,113 $7,970 3.00%
    >60% 128 $59,890,000 $467,891 $13,445 2.62%

    The Federal Savings Bank lent most frequently to those with DTI ratios of 30-36%, with 3,641 originations. The next most common DTI ratio? 20-30%, with 3,318 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 16,029 $5,348,175,000 $333,656 $7,353 2.88%
    Not provided 8,788 $2,949,560,000 $335,635 $7,848 2.73%
    Black 3,113 $1,045,115,000 $335,726 $9,020 2.89%
    Asian 960 $424,140,000 $441,813 $8,227 2.90%
    American Indian 190 $56,700,000 $298,421 $7,595 2.90%
    Native Hawaiian or Islander 100 $41,200,000 $412,000 $9,301 2.70%
    Not applicable 1 $2,165,000 $2,165,000 $0 5.25%
    Other Pacific Islander 1 $325,000 $325,000 $2,116 2.50%

    Approval Rates

    Total approvals of all applications
    79.29%

    The Federal Savings Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    58.95%

    The Federal Savings Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 29,182 $9,867,380,000 $338,132

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    29,182 $9,867,380,000 $338,132

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 730 $220,990,000 $302,726 $6,486 2.81%
    40-60% 3,971 $1,277,355,000 $321,671 $6,335 2.78%
    60-80% 11,258 $3,823,120,000 $339,591 $7,074 2.86%
    80-100% 12,860 $4,404,170,000 $342,470 $8,545 2.83%
    Over 100% 286 $128,170,000 $448,147 $15,718 2.71%
    Under 20% 77 $13,575,000 $176,299 $3,931 4.08%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Tiptree Financial Inc. Other type of mortgage Closing on a mortgage 2 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Federal Savings Bank 4000 W Diversey Ave, Ste 5 Chicago, IL 60639 Full Service B&M $267,917
    The Federal Savings Bank 664 N Western Ave Lake Forest, IL 60045 Full Service B&M $340,738

    For 2021, The Federal Savings Bank had 2 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,075
    Net interest income $15,440
    Total noninterest income $447,675
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $59
    Trading account gains and fees $0
    Additional Noninterest Income $447,616
    Pre-tax net operating income $76,229
    Securities gains (or losses, -) $0
    Income before extraordinary items $56,879
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $56,879
    Minority interest net income $0
    Net income $56,879
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $56,879

    The Federal Savings Bank's gross interest income from loans was $25,075,000.
    The Federal Savings Bank's net interest income from loans was $15,440,000.
    The Federal Savings Bank's fee based income from loans was $59,000.
    The Federal Savings Bank's net income from loans was $56,879,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,635
    Provision for credit losses $-9,850
    Total noninterest expense $396,736
    Salaries and employee benefits $268,227
    Premises and equipment expense $7,520
    Additional noninterest expense $120,989
    Applicable income taxes $19,350
    Net charge-offs $-9,736
    Cash dividends $51,673

    The Federal Savings Bank's interest expense for loans was $9,635,000.
    The Federal Savings Bank's payroll and benefits expense were $268,227,000.
    The Federal Savings Bank's property, plant and equipment expenses $7,520,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 8.0%
    1-4 family residential loans 0.0%
    HELOC loans 9.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $584,719
    Deposits held in domestic offices $584,719
    Deposits by Individuals, partnerships, and corporations $571,511
    Deposits by U.S. Government $59
    Deposits by States and political subdivisions in the U.S. $412
    Deposits by Commercial banks and other depository institutions in U.S. $12,737
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $91,148
    Demand deposits $82,242
    Nontransaction accounts $493,571
    Money market deposit accounts (MMDAs) $128,192
    Other savings deposits (excluding MMDAs) $2,941
    Total time deposits $362,438
    Total time and savings deposits $502,477
    Noninterest-bearing deposits $82,273
    Interest-bearing deposits $502,446
    Retail deposits $466,822
    IRAs and Keogh plan accounts $30,839
    Brokered deposits $3,579
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $796,563
    Cash & Balances due from depository institutions $111,449
    Interest-bearing balances $108,606
    Total securities $5,359
    Federal funds sold & reverse repurchase $0
    Net loans and leases $614,667
    Loan and leases loss allowance $2,323
    Trading account assets $0
    Bank premises and fixed assets $9,642
    Other real estate owned $0
    Goodwill and other intangibles $39,869
    All other assets $15,577

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $796,563
    Total Liabilities $630,881
    Total deposits $584,719
    Interest-bearing deposits $502,446
    Deposits held in domestic offices $584,719
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,000
    Subordinated debt $0
    All other liabilities $41,162

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $614,667
    Loan and leases loss allowance $2,323
    Total loans and leases (domestic) $616,990
    All real estate loans $597,856
    Real estate loans in domestic offices $597,856
    Construction and development loans $44,876
    Residential 1-4 family construction $44,876
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $507
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $507
    Multifamily residential real estate $2,860
    1-4 family residential loans $549,613
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $2,001
    To non-U.S. addressees $0
    Loans to individuals $17,008
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $17,008
    All other loans & leases $125
    Loans to foreign governments and official institutions $0
    Other loans $125
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $54
    Non 1-4 family restructured loans & leases $54
    Total loans and leases (foreign) $0

    The Federal Savings Bank had $614,667,000 of loans outstanding in 2021. $597,856,000 of loans were in real estate loans. $44,876,000 of loans were in development loans. $2,860,000 of loans were in multifamily mortgage loans. $549,613,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2 $507 $253,500
    Nonfarm, nonresidential loans - <$100k 1 $257 $257,000
    Nonfarm, nonresidential loans - $250k-1MM 1 $250 $250,000
    Commercial & Industrial, US addressed loans - <$1MM 8 $2,001 $250,125
    Commercial & Industrial, US addressed loans - <$100k 8 $2,001 $250,125