The Federal Savings Bank Mortgage Rates, Fees & Info

Chicago, IL

LEI: 549300BX448ALT10FI43

Tax ID: 43-1883419

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Bank Data

Review & Overview

The Federal Savings Bank is a mid-sized bank specializing in Home Purchase and Cash Out Refi 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, Phoenix, and Las Vegas among others. We have data for 567 markets. (Some data included below & more in-depth data is available with an active subscription.)

The Federal 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. 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 6.88% 3/28/24
30 Year Conventional Refi 6.58% 3/28/24
30 Year Cash-out Refi 6.81% 3/28/24
30 Year FHA Purchase 7.31% 3/28/24
30 Year FHA Refi 6.96% 3/28/24
30 Year VA Purchase 6.28% 3/28/24
30 Year VA Refi 6.07% 3/28/24
30 Year USDA Purchase 6.51% 3/28/24
30 Year USDA Refi 6.27% 3/28/24
15 Year Conventional Purchase 6.39% 3/28/24
15 Year Conventional Refi 6.13% 3/28/24
15 Year Cash-out Refi 6.13% 3/28/24
15 Year FHA Purchase 1.37% 3/28/24
15 Year FHA Refi 5.68% 3/28/24
15 Year VA Refi 5.68% 3/28/24
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.

The Federal Savings Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from The Federal Savings Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

11,140

Origination Dollar Volume (All Markets)

$3,232,190,000

Employee count

1,040 Show all (6) awards

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) 1,545 $682,105,000 $441,492 $11,580 4.87%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1,679 $400,165,000 $238,335 $6,490 4.92%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 512 $170,980,000 $333,945 $8,911 4.74%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 284 $76,240,000 $268,451 $8,457 4.68%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 272 $75,650,000 $278,125 $7,748 4.78%
Outside of Metro Areas 261 $59,765,000 $228,985 $7,199 4.72%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 170 $55,300,000 $325,294 $8,641 4.80%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 165 $54,905,000 $332,758 $10,791 4.53%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 157 $54,635,000 $347,994 $10,139 4.57%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 204 $53,070,000 $260,147 $6,251 4.77%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 163 $52,445,000 $321,748 $8,213 4.85%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 205 $42,525,000 $207,439 $6,788 4.96%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 151 $42,265,000 $279,901 $7,283 4.85%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 89 $40,925,000 $459,831 $12,591 4.65%
RICHMOND, VA (FHA|USDA|VA) 120 $36,260,000 $302,167 $5,438 4.82%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 132 $35,690,000 $270,379 $7,085 4.71%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 108 $31,330,000 $290,093 $7,476 5.06%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 102 $30,900,000 $302,941 $8,771 4.67%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 89 $29,665,000 $333,315 $12,116 4.59%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 98 $26,140,000 $266,735 $6,933 4.85%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 54 $25,070,000 $464,259 $12,124 4.62%
COLORADO SPRINGS, CO (FHA|USDA|VA) 84 $24,440,000 $290,952 $6,986 4.56%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 43 $23,955,000 $557,093 $14,952 4.57%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 100 $23,140,000 $231,400 $7,963 4.73%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 85 $22,895,000 $269,353 $8,762 4.60%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 70 $22,850,000 $326,429 $12,531 4.58%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 89 $22,485,000 $252,640 $7,898 4.66%
RALEIGH-CARY, NC (FHA|USDA|VA) 97 $22,175,000 $228,608 $6,335 4.84%
GREELEY, CO (FHA|USDA|VA) 63 $20,835,000 $330,714 $6,741 4.89%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 72 $18,750,000 $260,417 $9,015 4.65%
COLUMBUS, OH (FHA|USDA|VA) 80 $18,120,000 $226,500 $6,919 4.80%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 64 $17,830,000 $278,594 $9,018 4.62%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 71 $16,625,000 $234,155 $7,542 4.81%
SALT LAKE CITY, UT (FHA|USDA|VA) 55 $16,575,000 $301,364 $13,004 4.56%
RENO, NV (FHA|USDA|VA) 57 $16,145,000 $283,246 $9,498 4.74%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 83 $15,985,000 $192,590 $5,979 4.80%
FORT COLLINS, CO (FHA|USDA|VA) 53 $15,865,000 $299,340 $6,600 4.70%
URBAN HONOLULU, HI (FHA|USDA|VA) 27 $15,315,000 $567,222 $14,170 4.55%
ST. LOUIS, MO-IL (FHA|USDA|VA) 60 $14,390,000 $239,833 $7,957 4.72%
KANSAS CITY, MO-KS (FHA|USDA|VA) 55 $14,215,000 $258,455 $7,265 4.53%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 56 $14,120,000 $252,143 $7,606 4.66%
WORCESTER, MA-CT (FHA|USDA|VA) 48 $12,700,000 $264,583 $8,662 4.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 70 $12,540,000 $179,143 $6,179 4.94%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 47 $12,015,000 $255,638 $7,118 4.70%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 51 $11,705,000 $229,510 $8,493 4.76%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 45 $11,575,000 $257,222 $6,398 4.74%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 43 $11,565,000 $268,953 $7,584 4.55%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 40 $10,710,000 $267,750 $9,531 4.40%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 43 $9,915,000 $230,581 $7,051 4.88%
JACKSONVILLE, FL (FHA|USDA|VA) 42 $9,890,000 $235,476 $7,452 4.84%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 38 $9,850,000 $259,211 $7,768 4.71%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 28 $9,670,000 $345,357 $8,507 4.97%
FAYETTEVILLE, NC (FHA|USDA|VA) 42 $9,190,000 $218,810 $6,772 4.80%
VALLEJO, CA (FHA|USDA|VA) 24 $9,190,000 $382,917 $11,085 4.53%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 41 $9,115,000 $222,317 $8,038 5.13%
COLUMBIA, SC (FHA|USDA|VA) 46 $8,960,000 $194,783 $5,660 4.73%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 38 $8,630,000 $227,105 $6,426 4.65%
BOISE CITY, ID (FHA|USDA|VA) 32 $7,950,000 $248,438 $9,795 4.60%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 30 $7,760,000 $258,667 $8,559 4.57%
OKLAHOMA CITY, OK (FHA|USDA|VA) 34 $7,320,000 $215,294 $8,126 4.52%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 22 $7,210,000 $327,727 $9,977 4.49%
ANCHORAGE, AK (FHA|USDA|VA) 24 $7,070,000 $294,583 $10,544 4.67%
TUCSON, AZ (FHA|USDA|VA) 28 $7,050,000 $251,786 $8,588 4.32%
SALISBURY, MD-DE (FHA|USDA|VA) 25 $6,965,000 $278,600 $6,717 4.58%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 23 $6,855,000 $298,043 $7,770 4.49%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 28 $6,700,000 $239,286 $8,429 4.81%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 24 $6,630,000 $276,250 $10,304 4.68%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 31 $6,425,000 $207,258 $7,223 4.54%
ALBUQUERQUE, NM (FHA|USDA|VA) 26 $6,400,000 $246,154 $8,756 4.56%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 24 $6,380,000 $265,833 $7,281 4.60%
PROVO-OREM, UT (FHA|USDA|VA) 22 $6,350,000 $288,636 $9,627 4.61%
LOUISVILLE, KY (FHA|USDA|VA) 27 $6,335,000 $234,630 $8,336 4.52%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 24 $6,170,000 $257,083 $6,356 4.53%
STOCKTON, CA (FHA|USDA|VA) 19 $6,005,000 $316,053 $9,860 4.35%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 27 $5,965,000 $220,926 $6,837 4.81%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 25 $5,965,000 $238,600 $6,785 4.71%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 25 $5,525,000 $221,000 $7,467 4.94%
MODESTO, CA (FHA|USDA|VA) 19 $5,335,000 $280,789 $8,848 4.65%
ASHEVILLE, NC (FHA|USDA|VA) 18 $5,240,000 $291,111 $9,360 4.53%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 26 $5,150,000 $198,077 $7,748 4.87%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 19 $5,045,000 $265,526 $9,231 4.41%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 19 $4,885,000 $257,105 $9,045 4.70%
HUNTSVILLE, AL (FHA|USDA|VA) 19 $4,735,000 $249,211 $6,676 4.46%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 16 $4,710,000 $294,375 $10,788 4.61%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 18 $4,540,000 $252,222 $8,661 4.40%
CHEYENNE, WY (FHA|USDA|VA) 18 $4,510,000 $250,556 $7,010 4.62%
FRESNO, CA (FHA|USDA|VA) 15 $4,385,000 $292,333 $8,820 4.53%
PITTSBURGH, PA (FHA|USDA|VA) 18 $4,370,000 $242,778 $7,612 4.60%
TULSA, OK (FHA|USDA|VA) 16 $4,210,000 $263,125 $8,911 4.65%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 8 $4,190,000 $523,750 $16,287 5.02%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 11 $4,095,000 $372,273 $11,462 4.54%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 20 $4,010,000 $200,500 $6,934 5.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 15 $3,955,000 $263,667 $9,608 4.38%
EL PASO, TX (FHA|USDA|VA) 22 $3,880,000 $176,364 $5,799 4.67%
KNOXVILLE, TN (FHA|USDA|VA) 14 $3,800,000 $271,429 $9,095 4.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 17 $3,725,000 $219,118 $8,123 4.78%
DOVER, DE (FHA|USDA|VA) 13 $3,625,000 $278,846 $9,757 4.54%
MEDFORD, OR (FHA|USDA|VA) 13 $3,605,000 $277,308 $9,113 4.42%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 15 $3,555,000 $237,000 $9,278 4.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 14 $3,550,000 $253,571 $7,259 4.46%
AKRON, OH (FHA|USDA|VA) 12 $3,540,000 $295,000 $10,218 4.88%
LONGVIEW, WA (FHA|USDA|VA) 13 $3,515,000 $270,385 $10,210 4.50%
YUBA CITY, CA (FHA|USDA|VA) 13 $3,395,000 $261,154 $7,124 5.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 13 $3,295,000 $253,462 $6,837 4.62%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 11 $3,265,000 $296,818 $11,579 4.52%
Fernley, NV (FHA|USDA|VA) 14 $3,260,000 $232,857 $10,016 4.60%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 15 $3,205,000 $213,667 $7,544 4.49%
Heber, UT (FHA|USDA|VA) 3 $3,205,000 $1,068,333 $17,836 4.63%
SAVANNAH, GA (FHA|USDA|VA) 13 $3,185,000 $245,000 $9,014 4.76%
PORT ST. LUCIE, FL (FHA|USDA|VA) 15 $3,145,000 $209,667 $6,536 4.98%
EVANSVILLE, IN-KY (FHA|USDA|VA) 18 $3,120,000 $173,333 $5,401 4.86%
BATON ROUGE, LA (FHA|USDA|VA) 13 $3,045,000 $234,231 $7,965 4.67%
SPRINGFIELD, MA (FHA|USDA|VA) 13 $3,035,000 $233,462 $7,608 4.79%
BAKERSFIELD, CA (FHA|USDA|VA) 12 $3,010,000 $250,833 $7,353 4.54%
Oak Harbor, WA (FHA|USDA|VA) 10 $3,010,000 $301,000 $10,716 4.41%
BEND, OR (FHA|USDA|VA) 8 $2,890,000 $361,250 $8,275 4.55%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 12 $2,860,000 $238,333 $6,600 4.59%
Outside of Metro Areas 10 $2,720,000 $272,000 $11,286 4.65%
Hilo, HI (FHA|USDA|VA) 9 $2,685,000 $298,333 $14,903 4.58%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 13 $2,615,000 $201,154 $6,220 4.67%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $2,600,000 $260,000 $8,156 4.54%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 13 $2,595,000 $199,615 $5,633 4.51%
SALINAS, CA (FHA|USDA|VA) 6 $2,590,000 $431,667 $12,326 4.78%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 10 $2,560,000 $256,000 $6,448 4.61%
Breckenridge, CO (FHA|USDA|VA) 4 $2,520,000 $630,000 $11,858 4.28%
WINCHESTER, VA-WV (FHA|USDA|VA) 11 $2,505,000 $227,727 $9,350 4.90%
WICHITA, KS (FHA|USDA|VA) 12 $2,480,000 $206,667 $7,528 4.59%
SALEM, OR (FHA|USDA|VA) 9 $2,455,000 $272,778 $11,052 4.53%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 11 $2,445,000 $222,273 $8,482 4.64%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 10 $2,440,000 $244,000 $4,383 4.66%
DAYTON-KETTERING, OH (FHA|USDA|VA) 11 $2,435,000 $221,364 $6,881 4.64%
JACKSONVILLE, NC (FHA|USDA|VA) 10 $2,420,000 $242,000 $6,811 4.83%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $2,400,000 $240,000 $6,943 4.48%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,370,000 $237,000 $6,896 4.64%
MERCED, CA (FHA|USDA|VA) 9 $2,365,000 $262,778 $8,311 4.81%
ST. GEORGE, UT (FHA|USDA|VA) 8 $2,360,000 $295,000 $15,646 4.50%
PUNTA GORDA, FL (FHA|USDA|VA) 12 $2,310,000 $192,500 $7,181 4.92%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 9 $2,305,000 $256,111 $10,149 4.76%
LAWTON, OK (FHA|USDA|VA) 9 $2,295,000 $255,000 $9,157 4.39%
COLUMBUS, GA-AL (FHA|USDA|VA) 10 $2,270,000 $227,000 $6,098 4.58%
ALBANY-LEBANON, OR (FHA|USDA|VA) 9 $2,225,000 $247,222 $11,453 4.29%
KANKAKEE, IL (FHA|USDA|VA) 12 $2,180,000 $181,667 $4,967 4.85%
GRANTS PASS, OR (FHA|USDA|VA) 7 $2,125,000 $303,571 $10,488 4.39%
SUMTER, SC (FHA|USDA|VA) 9 $2,115,000 $235,000 $6,817 4.63%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $2,115,000 $423,000 $19,043 4.48%
CARSON CITY, NV (FHA|USDA|VA) 9 $2,045,000 $227,222 $9,086 4.64%
WARNER ROBINS, GA (FHA|USDA|VA) 7 $2,045,000 $292,143 $8,327 4.02%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 15 $2,035,000 $135,667 $4,950 4.97%
Truckee-Grass Valley, CA (FHA|USDA|VA) 8 $1,980,000 $247,500 $6,528 4.84%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 6 $1,950,000 $325,000 $12,753 4.38%
REDDING, CA (FHA|USDA|VA) 6 $1,950,000 $325,000 $11,774 4.29%
HAMMOND, LA (FHA|USDA|VA) 8 $1,930,000 $241,250 $7,694 4.69%
PUEBLO, CO (FHA|USDA|VA) 8 $1,890,000 $236,250 $6,937 4.50%
MADERA, CA (FHA|USDA|VA) 6 $1,870,000 $311,667 $12,287 4.77%
GAINESVILLE, GA (FHA|USDA|VA) 7 $1,835,000 $262,143 $8,514 4.63%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $1,755,000 $250,714 $9,448 4.54%
Madisonville, KY (FHA|USDA|VA) 13 $1,745,000 $134,231 $4,840 5.11%
Key West, FL (FHA|USDA|VA) 4 $1,730,000 $432,500 $5,601 5.66%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 8 $1,720,000 $215,000 $8,979 4.64%
WILMINGTON, NC (FHA|USDA|VA) 7 $1,715,000 $245,000 $7,531 4.48%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 9 $1,705,000 $189,444 $7,927 4.69%
LYNCHBURG, VA (FHA|USDA|VA) 8 $1,700,000 $212,500 $7,330 4.77%
DULUTH, MN-WI (FHA|USDA|VA) 7 $1,685,000 $240,714 $9,050 4.43%
BURLINGTON, NC (FHA|USDA|VA) 12 $1,680,000 $140,000 $5,775 5.11%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 8 $1,670,000 $208,750 $7,573 4.67%
ROANOKE, VA (FHA|USDA|VA) 10 $1,670,000 $167,000 $6,460 4.88%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 5 $1,645,000 $329,000 $7,599 4.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 6 $1,630,000 $271,667 $3,229 4.85%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 5 $1,625,000 $325,000 $12,323 4.33%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 5 $1,625,000 $325,000 $14,469 4.40%
Roseburg, OR (FHA|USDA|VA) 8 $1,620,000 $202,500 $8,048 4.67%
Concord, NH (FHA|USDA|VA) 5 $1,605,000 $321,000 $5,113 4.70%
Sevierville, TN (FHA|USDA|VA) 5 $1,595,000 $319,000 $10,423 4.83%
EAST STROUDSBURG, PA (FHA|USDA|VA) 8 $1,550,000 $193,750 $6,765 4.92%
GREEN BAY, WI (FHA|USDA|VA) 7 $1,545,000 $220,714 $8,325 4.45%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $1,530,000 $382,500 $10,453 4.88%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,520,000 $380,000 $15,050 4.59%
MISSOULA, MT (FHA|USDA|VA) 4 $1,520,000 $380,000 $8,198 4.38%
Coos Bay, OR (FHA|USDA|VA) 6 $1,490,000 $248,333 $8,826 4.44%
CEDAR RAPIDS, IA (FHA|USDA|VA) 7 $1,485,000 $212,143 $8,933 4.38%
Centralia, WA (FHA|USDA|VA) 6 $1,480,000 $246,667 $10,072 4.54%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,475,000 $295,000 $8,773 4.70%
FAIRBANKS, AK (FHA|USDA|VA) 4 $1,450,000 $362,500 $10,544 4.09%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 6 $1,420,000 $236,667 $12,356 4.58%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $1,420,000 $355,000 $14,586 4.69%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 7 $1,415,000 $202,143 $5,281 5.00%
LAKE CHARLES, LA (FHA|USDA|VA) 6 $1,410,000 $235,000 $5,643 4.19%
BLOOMINGTON, IN (FHA|USDA|VA) 9 $1,405,000 $156,111 $5,057 5.06%
VISALIA, CA (FHA|USDA|VA) 7 $1,405,000 $200,714 $6,156 4.57%
Crossville, TN (FHA|USDA|VA) 6 $1,400,000 $233,333 $8,448 4.58%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,390,000 $231,667 $5,999 4.81%
SPARTANBURG, SC (FHA|USDA|VA) 6 $1,380,000 $230,000 $7,836 4.52%
FARGO, ND-MN (FHA|USDA|VA) 5 $1,365,000 $273,000 $9,372 4.15%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $1,360,000 $226,667 $8,893 4.56%
Clearlake, CA (FHA|USDA|VA) 8 $1,340,000 $167,500 $4,627 5.13%
SANTA FE, NM (FHA|USDA|VA) 6 $1,330,000 $221,667 $7,002 4.79%
JACKSON, MS (FHA|USDA|VA) 6 $1,330,000 $221,667 $6,516 4.52%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $1,320,000 $220,000 $6,803 4.81%
NEW BERN, NC (FHA|USDA|VA) 6 $1,310,000 $218,333 $5,943 4.44%
BOWLING GREEN, KY (FHA|USDA|VA) 5 $1,285,000 $257,000 $9,569 4.48%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 6 $1,280,000 $213,333 $4,914 4.69%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 8 $1,280,000 $160,000 $7,016 5.01%
READING, PA (FHA|USDA|VA) 5 $1,275,000 $255,000 $9,648 4.65%
CORPUS CHRISTI, TX (FHA|USDA|VA) 6 $1,270,000 $211,667 $9,397 4.71%
CORVALLIS, OR (FHA|USDA|VA) 4 $1,260,000 $315,000 $9,221 4.41%
ROCKFORD, IL (FHA|USDA|VA) 8 $1,230,000 $153,750 $5,400 4.80%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $1,215,000 $243,000 $10,238 4.85%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $1,215,000 $243,000 $8,234 4.55%
RACINE, WI (FHA|USDA|VA) 4 $1,190,000 $297,500 $6,473 4.72%
OCALA, FL (FHA|USDA|VA) 6 $1,190,000 $198,333 $8,988 4.71%
BILLINGS, MT (FHA|USDA|VA) 5 $1,185,000 $237,000 $9,873 4.78%
Cambridge, OH (FHA|USDA|VA) 5 $1,165,000 $233,000 $6,709 5.00%
Traverse City, MI (FHA|USDA|VA) 4 $1,150,000 $287,500 $7,686 4.59%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 5 $1,145,000 $229,000 $5,062 4.88%
LAS CRUCES, NM (FHA|USDA|VA) 6 $1,140,000 $190,000 $5,431 4.35%
Ottawa, IL (FHA|USDA|VA) 5 $1,135,000 $227,000 $4,939 4.83%
Laconia, NH (FHA|USDA|VA) 6 $1,120,000 $186,667 $3,832 4.90%
Astoria, OR (FHA|USDA|VA) 4 $1,110,000 $277,500 $9,832 4.38%
BOULDER, CO (FHA|USDA|VA) 3 $1,105,000 $368,333 $11,831 4.46%
KINGSTON, NY (FHA|USDA|VA) 5 $1,105,000 $221,000 $9,727 4.90%
Shelton, WA (FHA|USDA|VA) 5 $1,095,000 $219,000 $8,109 4.55%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $1,070,000 $178,333 $7,137 4.92%
MONTGOMERY, AL (FHA|USDA|VA) 5 $1,055,000 $211,000 $5,687 4.20%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $1,045,000 $348,333 $12,099 4.38%
Elko, NV (FHA|USDA|VA) 4 $1,040,000 $260,000 $9,512 4.50%
Edwards, CO (FHA|USDA|VA) 2 $1,030,000 $515,000 $9,533 4.63%
MADISON, WI (FHA|USDA|VA) 4 $1,020,000 $255,000 $9,685 4.47%
FORT SMITH, AR-OK (FHA|USDA|VA) 4 $1,010,000 $252,500 $9,942 4.63%
Jefferson, GA (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,676 5.13%
IDAHO FALLS, ID (FHA|USDA|VA) 4 $990,000 $247,500 $10,740 4.69%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $980,000 $245,000 $6,479 5.00%
POCATELLO, ID (FHA|USDA|VA) 3 $975,000 $325,000 $14,328 5.04%
SPRINGFIELD, MO (FHA|USDA|VA) 5 $975,000 $195,000 $8,238 4.33%
MONROE, LA (FHA|USDA|VA) 4 $970,000 $242,500 $10,048 4.38%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $960,000 $240,000 $7,614 4.47%
RAPID CITY, SD (FHA|USDA|VA) 4 $950,000 $237,500 $9,655 4.75%
Huntington, IN (FHA|USDA|VA) 3 $945,000 $315,000 $9,517 4.25%
MOBILE, AL (FHA|USDA|VA) 5 $945,000 $189,000 $6,017 4.73%
LOGAN, UT-ID (FHA|USDA|VA) 4 $930,000 $232,500 $9,854 4.38%
BELLINGHAM, WA (FHA|USDA|VA) 4 $910,000 $227,500 $8,799 4.13%
Pahrump, NV (FHA|USDA|VA) 4 $900,000 $225,000 $7,988 4.38%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 5 $895,000 $179,000 $7,786 4.85%
Newport, OR (FHA|USDA|VA) 4 $890,000 $222,500 $8,934 4.09%
MANHATTAN, KS (FHA|USDA|VA) 4 $880,000 $220,000 $5,486 4.56%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $880,000 $220,000 $7,130 4.19%
NAPA, CA (FHA|USDA|VA) 2 $880,000 $440,000 $23,161 4.19%
St. Marys, GA (FHA|USDA|VA) 4 $880,000 $220,000 $7,379 4.81%
ALBANY, GA (FHA|USDA|VA) 5 $855,000 $171,000 $6,422 4.73%
TOPEKA, KS (FHA|USDA|VA) 5 $845,000 $169,000 $7,489 4.88%
SPRINGFIELD, IL (FHA|USDA|VA) 4 $840,000 $210,000 $5,774 4.47%
LINCOLN, NE (FHA|USDA|VA) 4 $840,000 $210,000 $10,828 4.38%
Bozeman, MT (FHA|USDA|VA) 3 $835,000 $278,333 $14,173 4.58%
TOLEDO, OH (FHA|USDA|VA) 4 $830,000 $207,500 $9,320 4.59%
Aberdeen, WA (FHA|USDA|VA) 3 $825,000 $275,000 $7,804 4.75%
HOT SPRINGS, AR (FHA|USDA|VA) 3 $825,000 $275,000 $11,459 4.17%
FLORENCE, SC (FHA|USDA|VA) 4 $820,000 $205,000 $6,821 4.81%
Whitewater, WI (FHA|USDA|VA) 4 $810,000 $202,500 $2,392 4.91%
OCEAN CITY, NJ (FHA|USDA|VA) 4 $810,000 $202,500 $8,658 4.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $795,000 $265,000 $10,444 4.75%
LEWISTON, ID-WA (FHA|USDA|VA) 4 $790,000 $197,500 $9,994 4.41%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 4 $790,000 $197,500 $5,261 5.09%
Sandusky, OH (FHA|USDA|VA) 3 $785,000 $261,667 $7,625 5.46%
Alamogordo, NM (FHA|USDA|VA) 3 $775,000 $258,333 $7,499 4.33%
Steamboat Springs, CO (FHA|USDA|VA) 2 $770,000 $385,000 $12,306 4.81%
PANAMA CITY, FL (FHA|USDA|VA) 4 $770,000 $192,500 $5,046 4.81%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $760,000 $190,000 $4,192 4.38%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $760,000 $380,000 $7,256 4.38%
EL CENTRO, CA (FHA|USDA|VA) 3 $755,000 $251,667 $5,088 4.29%
Los Alamos, NM (FHA|USDA|VA) 4 $750,000 $187,500 $6,535 4.81%
Moses Lake, WA (FHA|USDA|VA) 3 $725,000 $241,667 $8,598 4.50%
Helena, MT (FHA|USDA|VA) 3 $725,000 $241,667 $8,274 4.13%
TEXARKANA, TX-AR (FHA|USDA|VA) 3 $725,000 $241,667 $6,789 4.25%
BANGOR, ME (FHA|USDA|VA) 3 $725,000 $241,667 $8,817 4.42%
ROCHESTER, NY (FHA|USDA|VA) 5 $715,000 $143,000 $4,299 4.70%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $715,000 $238,333 $4,942 4.71%
Fort Leonard Wood, MO (FHA|USDA|VA) 4 $710,000 $177,500 $3,594 4.94%
MANSFIELD, OH (FHA|USDA|VA) 3 $705,000 $235,000 $8,328 4.88%
Oxford, MS (FHA|USDA|VA) 3 $705,000 $235,000 $10,613 4.63%
STAUNTON, VA (FHA|USDA|VA) 3 $695,000 $231,667 $7,562 4.58%
Tupelo, MS (FHA|USDA|VA) 3 $695,000 $231,667 $6,868 4.88%
Clarksburg, WV (FHA|USDA|VA) 2 $690,000 $345,000 $12,695 4.56%
Ruidoso, NM (FHA|USDA|VA) 2 $690,000 $345,000 $19,529 4.81%
Ashland, OH (FHA|USDA|VA) 3 $685,000 $228,333 $7,152 5.50%
Lebanon, NH-VT (FHA|USDA|VA) 4 $680,000 $170,000 $3,619 5.16%
Orangeburg, SC (FHA|USDA|VA) 2 $670,000 $335,000 $14,704 4.38%
Fergus Falls, MN (FHA|USDA|VA) 2 $670,000 $335,000 $9,731 4.88%
BRUNSWICK, GA (FHA|USDA|VA) 3 $665,000 $221,667 $6,254 4.38%
Klamath Falls, OR (FHA|USDA|VA) 3 $665,000 $221,667 $7,966 4.54%
Georgetown, SC (FHA|USDA|VA) 2 $660,000 $330,000 $7,788 5.19%
Hermiston-Pendleton, OR (FHA|USDA|VA) 3 $655,000 $218,333 $4,952 4.79%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $655,000 $218,333 $7,518 4.92%
GOLDSBORO, NC (FHA|USDA|VA) 3 $655,000 $218,333 $5,533 4.79%
Ellensburg, WA (FHA|USDA|VA) 2 $650,000 $325,000 $9,496 4.38%
OWENSBORO, KY (FHA|USDA|VA) 5 $645,000 $129,000 $4,681 5.03%
Kalispell, MT (FHA|USDA|VA) 3 $645,000 $215,000 $11,808 4.58%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 4 $640,000 $160,000 $5,373 4.81%
Sanford, NC (FHA|USDA|VA) 4 $640,000 $160,000 $6,184 4.97%
AMARILLO, TX (FHA|USDA|VA) 3 $635,000 $211,667 $4,827 4.51%
ROCHESTER, MN (FHA|USDA|VA) 3 $635,000 $211,667 $7,602 4.38%
CASPER, WY (FHA|USDA|VA) 3 $635,000 $211,667 $9,879 4.33%
LAFAYETTE, LA (FHA|USDA|VA) 2 $630,000 $315,000 $5,348 5.00%
Torrington, CT (FHA|USDA|VA) 2 $620,000 $310,000 $2,801 4.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $615,000 $205,000 $5,790 4.58%
GREAT FALLS, MT (FHA|USDA|VA) 3 $605,000 $201,667 $7,175 4.67%
LANCASTER, PA (FHA|USDA|VA) 3 $605,000 $201,667 $8,871 3.75%
Muskogee, OK (FHA|USDA|VA) 2 $600,000 $300,000 $14,413 3.81%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $600,000 $300,000 $8,600 4.13%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 3 $595,000 $198,333 $5,186 4.58%
Findlay, OH (FHA|USDA|VA) 3 $595,000 $198,333 $6,506 5.13%
Beaver Dam, WI (FHA|USDA|VA) 3 $585,000 $195,000 $6,950 4.79%
Warrensburg, MO (FHA|USDA|VA) 3 $585,000 $195,000 $10,325 4.38%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $580,000 $290,000 $7,790 4.06%
CHICO, CA (FHA|USDA|VA) 3 $575,000 $191,667 $5,364 4.67%
New Castle, PA (FHA|USDA|VA) 2 $570,000 $285,000 $5,817 5.13%
Vineyard Haven, MA (FHA|USDA|VA) 1 $565,000 $565,000 $26,469 4.75%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $565,000 $188,333 $4,895 4.83%
CaƱon City, CO (FHA|USDA|VA) 2 $560,000 $280,000 $7,093 4.50%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $555,000 $185,000 $4,839 4.54%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $550,000 $275,000 $17,516 4.56%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $545,000 $181,667 $8,452 4.46%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $540,000 $270,000 $4,793 4.56%
Sidney, OH (FHA|USDA|VA) 2 $540,000 $270,000 $6,886 3.94%
Columbus, MS (FHA|USDA|VA) 2 $540,000 $270,000 $6,409 4.44%
Ardmore, OK (FHA|USDA|VA) 2 $540,000 $270,000 $8,996 4.75%
HINESVILLE, GA (FHA|USDA|VA) 3 $535,000 $178,333 $3,630 5.13%
Greeneville, TN (FHA|USDA|VA) 1 $535,000 $535,000 $28,220 4.25%
Newberry, SC (FHA|USDA|VA) 2 $530,000 $265,000 $9,447 4.88%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $530,000 $132,500 $6,812 4.89%
Easton, MD (FHA|USDA|VA) 1 $525,000 $525,000 $22,266 4.88%
CHARLESTON, WV (FHA|USDA|VA) 3 $525,000 $175,000 $5,925 4.75%
CLEVELAND, TN (FHA|USDA|VA) 2 $520,000 $260,000 $4,334 4.56%
Baraboo, WI (FHA|USDA|VA) 2 $520,000 $260,000 $11,169 4.69%
Prineville, OR (FHA|USDA|VA) 2 $520,000 $260,000 $9,601 4.31%
Cullman, AL (FHA|USDA|VA) 1 $515,000 $515,000 $27,129 5.13%
Huron, SD (FHA|USDA|VA) 1 $515,000 $515,000 $11,698 4.25%
Vidalia, GA (FHA|USDA|VA) 2 $510,000 $255,000 $4,370 4.50%
Port Angeles, WA (FHA|USDA|VA) 2 $510,000 $255,000 $7,006 4.19%
Ozark, AL (FHA|USDA|VA) 2 $500,000 $250,000 $10,398 4.13%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 2 $500,000 $250,000 $12,159 4.19%
FARMINGTON, NM (FHA|USDA|VA) 2 $500,000 $250,000 $5,685 4.63%
Show Low, AZ (FHA|USDA|VA) 2 $500,000 $250,000 $5,553 4.38%
PEORIA, IL (FHA|USDA|VA) 3 $495,000 $165,000 $2,765 4.79%
GRAND FORKS, ND-MN (FHA|USDA|VA) 2 $490,000 $245,000 $10,443 4.31%
The Dalles, OR (FHA|USDA|VA) 2 $490,000 $245,000 $4,880 4.75%
Williston, ND (FHA|USDA|VA) 2 $490,000 $245,000 $9,178 3.56%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $490,000 $245,000 $8,231 5.00%
Ontario, OR-ID (FHA|USDA|VA) 2 $480,000 $240,000 $6,171 4.44%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $480,000 $240,000 $8,410 4.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $480,000 $240,000 $8,958 4.50%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $470,000 $235,000 $11,969 4.44%
Mountain Home, ID (FHA|USDA|VA) 2 $470,000 $235,000 $4,268 4.81%
Picayune, MS (FHA|USDA|VA) 3 $465,000 $155,000 $3,189 5.13%
GETTYSBURG, PA (FHA|USDA|VA) 1 $455,000 $455,000 $8,223 4.63%
JONESBORO, AR (FHA|USDA|VA) 2 $450,000 $225,000 $9,546 4.44%
DUBUQUE, IA (FHA|USDA|VA) 2 $450,000 $225,000 $5,986 4.50%
Mount Vernon, OH (FHA|USDA|VA) 2 $450,000 $225,000 $5,143 5.31%
LUBBOCK, TX (FHA|USDA|VA) 2 $450,000 $225,000 $7,748 4.06%
MUSKEGON, MI (FHA|USDA|VA) 1 $445,000 $445,000 $13,446 4.50%
Sandpoint, ID (FHA|USDA|VA) 2 $440,000 $220,000 $6,165 4.81%
Marion, OH (FHA|USDA|VA) 3 $435,000 $145,000 $3,678 5.21%
DeRidder, LA (FHA|USDA|VA) 2 $430,000 $215,000 $13,272 4.44%
TWIN FALLS, ID (FHA|USDA|VA) 2 $430,000 $215,000 $11,084 4.94%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $430,000 $215,000 $2,475 5.13%
Riverton, WY (FHA|USDA|VA) 2 $430,000 $215,000 $3,543 5.25%
Dixon, IL (FHA|USDA|VA) 2 $430,000 $215,000 $5,047 5.00%
Athens, TN (FHA|USDA|VA) 2 $430,000 $215,000 $4,572 5.00%
APPLETON, WI (FHA|USDA|VA) 2 $430,000 $215,000 $8,132 4.56%
Cornelia, GA (FHA|USDA|VA) 1 $425,000 $425,000 $25,225 3.38%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $420,000 $210,000 $11,923 4.19%
Brainerd, MN (FHA|USDA|VA) 2 $420,000 $210,000 $7,341 3.94%
NILES, MI (FHA|USDA|VA) 2 $410,000 $205,000 $4,178 4.88%
Enterprise, AL (FHA|USDA|VA) 1 $405,000 $405,000 $12,328 4.25%
Meadville, PA (FHA|USDA|VA) 1 $405,000 $405,000 $6,803 5.38%
BISMARCK, ND (FHA|USDA|VA) 2 $400,000 $200,000 $10,952 4.50%
Paducah, KY-IL (FHA|USDA|VA) 2 $400,000 $200,000 $10,172 4.63%
EspaƱola, NM (FHA|USDA|VA) 2 $400,000 $200,000 $10,742 4.56%
Clovis, NM (FHA|USDA|VA) 2 $390,000 $195,000 $7,917 4.69%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $390,000 $195,000 $5,243 4.31%
ALEXANDRIA, LA (FHA|USDA|VA) 2 $390,000 $195,000 $8,090 4.56%
Dickinson, ND (FHA|USDA|VA) 1 $385,000 $385,000 $11,199 3.88%
HATTIESBURG, MS (FHA|USDA|VA) 2 $380,000 $190,000 $8,708 4.81%
LaGrange, GA-AL (FHA|USDA|VA) 1 $375,000 $375,000 $17,145 4.38%
Russellville, AR (FHA|USDA|VA) 2 $370,000 $185,000 $5,309 4.56%
GLENS FALLS, NY (FHA|USDA|VA) 2 $370,000 $185,000 $5,107 5.06%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $370,000 $185,000 $8,146 5.06%
Laramie, WY (FHA|USDA|VA) 2 $370,000 $185,000 $3,851 4.50%
SHEBOYGAN, WI (FHA|USDA|VA) 3 $365,000 $121,667 $7,552 4.98%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $360,000 $180,000 $5,265 4.44%
Warsaw, IN (FHA|USDA|VA) 2 $360,000 $180,000 $4,686 4.50%
Van Wert, OH (FHA|USDA|VA) 2 $360,000 $180,000 $4,170 4.75%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $355,000 $355,000 $21,277 4.25%
Sonora, CA (FHA|USDA|VA) 2 $350,000 $175,000 $6,866 4.91%
Minot, ND (FHA|USDA|VA) 1 $345,000 $345,000 $9,095 3.38%
COLUMBIA, MO (FHA|USDA|VA) 2 $340,000 $170,000 $2,057 4.38%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $340,000 $170,000 $3,087 4.06%
Clinton, IA (FHA|USDA|VA) 3 $335,000 $111,667 $3,441 5.25%
Bedford, IN (FHA|USDA|VA) 2 $330,000 $165,000 $5,515 5.06%
McAlester, OK (FHA|USDA|VA) 2 $330,000 $165,000 $7,467 4.13%
Wilmington, OH (FHA|USDA|VA) 1 $325,000 $325,000 $13,853 5.13%
MORGANTOWN, WV (FHA|USDA|VA) 1 $325,000 $325,000 $7,944 5.88%
Ukiah, CA (FHA|USDA|VA) 1 $325,000 $325,000 $8,773 4.25%
Bellefontaine, OH (FHA|USDA|VA) 1 $325,000 $325,000 $8,765 4.13%
Safford, AZ (FHA|USDA|VA) 2 $320,000 $160,000 $4,861 5.25%
ERIE, PA (FHA|USDA|VA) 1 $315,000 $315,000 $729 5.13%
YAKIMA, WA (FHA|USDA|VA) 1 $315,000 $315,000 $4,784 4.25%
Peru, IN (FHA|USDA|VA) 2 $310,000 $155,000 $5,178 4.31%
COLUMBUS, IN (FHA|USDA|VA) 2 $310,000 $155,000 $3,092 4.94%
Marietta, OH (FHA|USDA|VA) 2 $310,000 $155,000 $6,620 5.94%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $305,000 $305,000 $13,711 5.75%
Malone, NY (FHA|USDA|VA) 1 $305,000 $305,000 $5,720 4.13%
Vicksburg, MS (FHA|USDA|VA) 1 $305,000 $305,000 $10,709 4.25%
JACKSON, TN (FHA|USDA|VA) 7 $305,000 $43,571 $0 5.68%
Jackson, WY-ID (FHA|USDA|VA) 1 $295,000 $295,000 $9,769 4.25%
Craig, CO (FHA|USDA|VA) 1 $295,000 $295,000 $7,867 4.50%
WHEELING, WV-OH (FHA|USDA|VA) 1 $295,000 $295,000 $9,538 4.88%
Alexander City, AL (FHA|USDA|VA) 1 $295,000 $295,000 $7,079 4.50%
Danville, VA (FHA|USDA|VA) 1 $295,000 $295,000 $4,205 4.63%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $290,000 $145,000 $5,586 4.19%
GREENVILLE, NC (FHA|USDA|VA) 2 $290,000 $145,000 $3,989 4.94%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $285,000 $285,000 $6,600 4.63%
ODESSA, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,698 5.25%
Red Bluff, CA (FHA|USDA|VA) 1 $285,000 $285,000 $13,228 4.75%
Bartlesville, OK (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.63%
Gainesville, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,515 5.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $280,000 $140,000 $4,168 5.13%
JACKSON, MI (FHA|USDA|VA) 2 $280,000 $140,000 $9,155 4.56%
DECATUR, IL (FHA|USDA|VA) 1 $275,000 $275,000 $2,480 4.38%
Jasper, AL (FHA|USDA|VA) 1 $275,000 $275,000 $9,610 4.50%
ENID, OK (FHA|USDA|VA) 1 $275,000 $275,000 $10,614 4.25%
Winnemucca, NV (FHA|USDA|VA) 1 $275,000 $275,000 $13,772 4.88%
Fort Morgan, CO (FHA|USDA|VA) 1 $275,000 $275,000 $8,409 4.75%
Kerrville, TX (FHA|USDA|VA) 1 $275,000 $275,000 $5,027 4.88%
Pella, IA (FHA|USDA|VA) 1 $275,000 $275,000 $5,315 4.75%
Silver City, NM (FHA|USDA|VA) 1 $275,000 $275,000 $7,564 4.38%
Selinsgrove, PA (FHA|USDA|VA) 1 $275,000 $275,000 $6,570 5.38%
Rochelle, IL (FHA|USDA|VA) 1 $275,000 $275,000 $11,608 4.50%
THE VILLAGES, FL (FHA|USDA|VA) 2 $270,000 $135,000 $9,008 4.63%
North Wilkesboro, NC (FHA|USDA|VA) 2 $270,000 $135,000 $3,978 4.69%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $270,000 $135,000 $2,875 5.50%
FORT WAYNE, IN (FHA|USDA|VA) 1 $265,000 $265,000 $8,182 4.25%
Grand Rapids, MN (FHA|USDA|VA) 1 $265,000 $265,000 $2,844 4.75%
Ludington, MI (FHA|USDA|VA) 1 $265,000 $265,000 $13,017 5.25%
Decatur, IN (FHA|USDA|VA) 1 $265,000 $265,000 $8,567 5.25%
Ada, OK (FHA|USDA|VA) 1 $265,000 $265,000 $7,707 3.38%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $260,000 $130,000 $4,904 5.50%
WALLA WALLA, WA (FHA|USDA|VA) 1 $255,000 $255,000 $7,810 4.50%
Chillicothe, OH (FHA|USDA|VA) 1 $255,000 $255,000 $6,088 4.50%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $255,000 $255,000 $12,239 5.00%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $255,000 $255,000 $13,548 4.75%
Auburn, IN (FHA|USDA|VA) 1 $245,000 $245,000 $8,511 3.38%
DALTON, GA (FHA|USDA|VA) 1 $245,000 $245,000 $5,632 5.75%
Zanesville, OH (FHA|USDA|VA) 1 $245,000 $245,000 $8,154 5.13%
Big Spring, TX (FHA|USDA|VA) 1 $245,000 $245,000 $6,063 5.38%
Durant, OK (FHA|USDA|VA) 1 $245,000 $245,000 $10,107 3.50%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $245,000 $245,000 $7,491 3.75%
ANN ARBOR, MI (FHA|USDA|VA) 1 $245,000 $245,000 $11,874 4.25%
Houghton, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,696 4.75%
MORRISTOWN, TN (FHA|USDA|VA) 1 $245,000 $245,000 $12,112 5.00%
Spearfish, SD (FHA|USDA|VA) 1 $245,000 $245,000 $13,188 4.50%
Richmond-Berea, KY (FHA|USDA|VA) 1 $245,000 $245,000 $7,177 3.63%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $235,000 $235,000 $5,991 5.00%
Blackfoot, ID (FHA|USDA|VA) 1 $235,000 $235,000 $5,830 4.75%
Lewisburg, TN (FHA|USDA|VA) 1 $235,000 $235,000 $5,542 4.50%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $235,000 $235,000 $6,984 4.38%
Ruston, LA (FHA|USDA|VA) 1 $235,000 $235,000 $3,058 4.38%
Seymour, IN (FHA|USDA|VA) 1 $235,000 $235,000 $14,331 4.75%
MONROE, MI (FHA|USDA|VA) 1 $235,000 $235,000 $7,280 3.25%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $235,000 $235,000 $7,231 3.88%
Forest City, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,550 4.38%
Dublin, GA (FHA|USDA|VA) 1 $235,000 $235,000 $7,288 4.75%
SYRACUSE, NY (FHA|USDA|VA) 2 $230,000 $115,000 $4,514 5.25%
Alexandria, MN (FHA|USDA|VA) 1 $225,000 $225,000 $14,510 4.50%
Tahlequah, OK (FHA|USDA|VA) 1 $225,000 $225,000 $11,604 4.88%
Shawnee, OK (FHA|USDA|VA) 1 $225,000 $225,000 $7,835 4.00%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $225,000 $225,000 $7,558 4.88%
Willmar, MN (FHA|USDA|VA) 1 $225,000 $225,000 $5,503 4.25%
Shelby, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,233 4.25%
Calhoun, GA (FHA|USDA|VA) 1 $215,000 $215,000 $6,014 4.88%
MIDLAND, MI (FHA|USDA|VA) 1 $215,000 $215,000 $6,125 4.50%
Fallon, NV (FHA|USDA|VA) 1 $215,000 $215,000 $10,959 4.25%
LAWRENCE, KS (FHA|USDA|VA) 1 $215,000 $215,000 $9,901 5.13%
Celina, OH (FHA|USDA|VA) 1 $215,000 $215,000 $669 5.63%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $215,000 $215,000 $11,822 4.00%
Gaffney, SC (FHA|USDA|VA) 1 $215,000 $215,000 $12,949 4.50%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $9,346 3.88%
Albemarle, NC (FHA|USDA|VA) 1 $205,000 $205,000 $1,520 5.63%
Lufkin, TX (FHA|USDA|VA) 1 $205,000 $205,000 $8,027 3.88%
Nogales, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.63%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,798 5.25%
WACO, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,739 4.75%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $205,000 $205,000 $1,600 3.88%
DECATUR, AL (FHA|USDA|VA) 1 $195,000 $195,000 $13,138 3.75%
Frankfort, KY (FHA|USDA|VA) 1 $195,000 $195,000 $13,308 4.38%
Brevard, NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,622 4.50%
Palatka, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,304 4.38%
KOKOMO, IN (FHA|USDA|VA) 1 $195,000 $195,000 $9,217 5.25%
Yankton, SD (FHA|USDA|VA) 1 $195,000 $195,000 $2,577 5.25%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $195,000 $195,000 $6,720 4.88%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $195,000 $195,000 $5,937 4.38%
Bemidji, MN (FHA|USDA|VA) 1 $195,000 $195,000 $5,909 4.63%
Searcy, AR (FHA|USDA|VA) 1 $195,000 $195,000 $3,477 5.50%
LEBANON, PA (FHA|USDA|VA) 1 $195,000 $195,000 $6,906 3.88%
Sunbury, PA (FHA|USDA|VA) 1 $185,000 $185,000 $5,983 4.75%
MANKATO, MN (FHA|USDA|VA) 1 $185,000 $185,000 $2,983 4.88%
Seneca, SC (FHA|USDA|VA) 1 $185,000 $185,000 $5,897 4.38%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $185,000 $185,000 $6,833 4.50%
Somerset, KY (FHA|USDA|VA) 1 $185,000 $185,000 $8,112 4.25%
Natchitoches, LA (FHA|USDA|VA) 1 $185,000 $185,000 $6,789 4.88%
Holland, MI (FHA|USDA|VA) 1 $185,000 $185,000 $9,173 4.75%
Waycross, GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,086 5.50%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,298 4.88%
Sterling, IL (FHA|USDA|VA) 2 $180,000 $90,000 $4,207 5.38%
Frankfort, IN (FHA|USDA|VA) 1 $175,000 $175,000 $6,361 4.00%
Keene, NH (FHA|USDA|VA) 1 $175,000 $175,000 $5,958 4.50%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $175,000 $175,000 $2,724 4.75%
Rolla, MO (FHA|USDA|VA) 1 $175,000 $175,000 $2,877 4.75%
Gillette, WY (FHA|USDA|VA) 1 $175,000 $175,000 $6,508 4.25%
Salem, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,362 4.50%
Minden, LA (FHA|USDA|VA) 1 $175,000 $175,000 $6,332 4.50%
Toccoa, GA (FHA|USDA|VA) 1 $175,000 $175,000 $4,971 5.38%
Fort Payne, AL (FHA|USDA|VA) 1 $175,000 $175,000 $4,355 4.88%
Vincennes, IN (FHA|USDA|VA) 2 $170,000 $85,000 $3,269 5.13%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $165,000 $165,000 $11,043 4.75%
Elk City, OK (FHA|USDA|VA) 1 $165,000 $165,000 $4,730 3.88%
Bardstown, KY (FHA|USDA|VA) 1 $165,000 $165,000 $5,274 4.00%
VALDOSTA, GA (FHA|USDA|VA) 1 $165,000 $165,000 $423 6.25%
Atchison, KS (FHA|USDA|VA) 1 $165,000 $165,000 $5,819 4.00%
Sterling, CO (FHA|USDA|VA) 1 $165,000 $165,000 $2,778 5.13%
Fremont, OH (FHA|USDA|VA) 1 $165,000 $165,000 $4,675 4.25%
Paris, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.38%
Brookings, OR (FHA|USDA|VA) 1 $165,000 $165,000 $4,036 4.88%
Laurinburg, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,086 4.25%
Elizabeth City, NC (FHA|USDA|VA) 1 $155,000 $155,000 $7,329 4.75%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,643 4.88%
Tiffin, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,326 4.88%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $155,000 $155,000 $5,012 4.50%
Rexburg, ID (FHA|USDA|VA) 1 $155,000 $155,000 $4,117 4.88%
Hutchinson, MN (FHA|USDA|VA) 1 $155,000 $155,000 $5,625 5.00%
BINGHAMTON, NY (FHA|USDA|VA) 1 $155,000 $155,000 $5,712 5.13%
VICTORIA, TX (FHA|USDA|VA) 1 $145,000 $145,000 $5,415 3.88%
Vernal, UT (FHA|USDA|VA) 1 $145,000 $145,000 $4,855 4.50%
PITTSFIELD, MA (FHA|USDA|VA) 1 $145,000 $145,000 $7,424 5.50%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $145,000 $145,000 $5,347 4.75%
Greenville, MS (FHA|USDA|VA) 1 $145,000 $145,000 $8,260 3.38%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $145,000 $145,000 $3,588 4.88%
London, KY (FHA|USDA|VA) 1 $145,000 $145,000 $9,789 4.75%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $145,000 $145,000 $7,695 4.75%
ABILENE, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,058 3.63%
Effingham, IL (FHA|USDA|VA) 1 $135,000 $135,000 $2,980 4.75%
Lawrenceburg, TN (FHA|USDA|VA) 1 $135,000 $135,000 $4,139 4.25%
Pontiac, IL (FHA|USDA|VA) 1 $135,000 $135,000 $7,109 4.50%
Spirit Lake, IA (FHA|USDA|VA) 1 $135,000 $135,000 $2,903 4.88%
GAINESVILLE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $4,058 5.38%
Madison, IN (FHA|USDA|VA) 1 $125,000 $125,000 $8,222 5.38%
Winona, MN (FHA|USDA|VA) 1 $125,000 $125,000 $5,202 4.63%
Morehead City, NC (FHA|USDA|VA) 1 $125,000 $125,000 $622 5.25%
Cedar City, UT (FHA|USDA|VA) 1 $115,000 $115,000 $3,910 4.38%
Sikeston, MO (FHA|USDA|VA) 1 $105,000 $105,000 $4,997 4.38%
LAREDO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $4,414 5.75%
IOWA CITY, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,897 4.50%
Milledgeville, GA (FHA|USDA|VA) 1 $95,000 $95,000 $4,030 5.63%
Central City, KY (FHA|USDA|VA) 1 $95,000 $95,000 $3,752 5.38%
YUMA, AZ (FHA|USDA|VA) 1 $75,000 $75,000 $3,371 5.38%
Jasper, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,390 5.38%
Pittsburg, KS (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.75%
UTICA-ROME, NY (FHA|USDA|VA) 1 $65,000 $65,000 $6,570 5.88%
West Plains, MO (FHA|USDA|VA) 1 $55,000 $55,000 $5,282 5.13%
The Federal Savings Bank's top markets include New York, Chicago, Washington, Phoenix, and Las Vegas among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • 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.

    SANDIA LABORATORY
    Similarity Rank: 28
    The Neffs National Bank
    Similarity Rank: 30
    FIRESTONE
    Similarity Rank: 32
    APL
    Similarity Rank: 32
    Penn Community Bank
    Similarity Rank: 36
    Middlesex Savings Bank
    Similarity Rank: 45
    OREGON COMMUNITY
    Similarity Rank: 76

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    VA 4,411 $1,293,605,000 $293,268 $9,678 4.49%
    Conventional 4,189 $1,260,595,000 $300,930 $5,597 5.03%
    FHA 2,301 $637,035,000 $276,851 $9,990 4.79%
    FHA 145 $25,325,000 $174,655 $0 5.09%
    USDA 67 $10,895,000 $162,612 $5,225 4.80%
    FHA 27 $4,735,000 $175,370 $0 4.88%

    For 2018, The Federal Savings Bank's most frequently originated type of loan was VA, with 4,411 originations. Their 2nd most popular type was Conventional, with 4,189 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,406 $1,562,160,000 $288,968 $7,543 4.91%
    Cash Out Refi 4,238 $1,242,500,000 $293,181 $9,789 4.71%
    Refi 1,449 $417,735,000 $288,292 $6,905 4.36%
    Other 45 $6,965,000 $154,778 $0 5.19%
    Home Improvement 2 $2,830,000 $1,415,000 $45,367 5.76%

    For 2018, The Federal Savings Bank's most frequently cited loan purpose was Home Purchase, with 5,406 originations. The 2nd most popular reason was Cash Out Refi, with 4,238 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 9,915 $2,928,225,000 $295,333 $8,443 4.83%
    Other 780 $206,190,000 $264,346 $8,047 4.22%
    15 Year 289 $64,135,000 $221,920 $6,610 4.20%
    20 Year 131 $29,025,000 $221,565 $5,899 4.57%
    10 Year 22 $3,870,000 $175,909 $4,657 4.33%
    30+ year 3 $745,000 $248,333 $7,120 5.38%

    For 2018, The Federal Savings Bank's most frequently cited loan duration was 30 Year, with 9,915 originations. The 2nd most popular length was Other, with 780 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,871 $1,018,935,000 $263,223
    $5k+ 2,681 $974,045,000 $363,314
    $2k-3k 1,012 $262,770,000 $259,654
    $4k-5k 925 $251,415,000 $271,800
    $<1k 916 $259,930,000 $283,766
    $3k-4k 843 $219,615,000 $260,516

    The Federal Savings Bank's average total fees were $8,443, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,871 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 7,021 $2,113,525,000 $301,029
    5-6% 2,965 $785,415,000 $264,895
    3-4% 1,065 $305,825,000 $287,160
    6-7% 66 $18,430,000 $279,242
    7-8% 19 $7,835,000 $412,368
    Over 8% 3 $735,000 $245,000
    2.5-3% 1 $425,000 $425,000

    During 2018, The Federal Savings Bank's average interest rate for loans was 4.83%, while their most frequently originated rate bucket for loans was 4-5%, with 7,021 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 6,110 $1,712,600,000 $280,295 $8,264 4.69%
    $100k-200k 2,799 $448,055,000 $160,077 $5,737 4.85%
    $400k-600k 1,417 $664,255,000 $468,776 $11,483 4.74%
    $600k-1MM 435 $308,315,000 $708,770 $16,631 4.81%
    $100,000 or less 320 $24,650,000 $77,031 $4,162 5.33%
    $1MM+ 59 $74,315,000 $1,259,576 $18,563 4.86%

    2018 saw The Federal Savings Bank place emphasis on $200k-400k loans with 6,110 originations, totaling $1,712,600,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 3,049 $728,735,000 $239,008 $7,860 4.77%
    $75k-100k 2,150 $621,600,000 $289,116 $8,697 4.78%
    $100k-150k 2,116 $754,590,000 $356,612 $9,583 4.82%
    $50k or less 1,732 $309,730,000 $178,828 $6,815 4.87%
    $150k-250k 971 $410,405,000 $422,662 $9,426 4.86%
    $250k+ 380 $201,430,000 $530,079 $9,066 5.09%

    The Federal Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 3,049 originations. The second most popular income band? $75k-100k, with 2,150 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 2,134 $654,220,000 $306,570 $10,604 4.69%
    30-36% 1,152 $325,500,000 $282,552 $7,498 4.84%
    <20% 986 $279,850,000 $283,824 $7,090 4.21%
    20-30% 878 $237,030,000 $269,966 $6,396 4.86%
    49% 689 $213,555,000 $309,949 $8,498 4.84%
    48% 519 $154,695,000 $298,064 $8,515 4.78%
    47% 511 $153,945,000 $301,262 $8,515 4.80%
    45% 494 $146,060,000 $295,668 $8,404 4.84%
    44% 484 $140,040,000 $289,339 $8,090 4.90%
    43% 451 $123,655,000 $274,180 $7,519 4.87%
    46% 447 $124,625,000 $278,803 $8,248 4.82%
    42% 372 $114,460,000 $307,688 $7,841 4.90%
    41% 357 $103,565,000 $290,098 $8,042 4.89%
    40% 345 $101,845,000 $295,203 $7,843 4.88%
    39% 324 $89,030,000 $274,784 $7,434 4.83%
    38% 270 $76,310,000 $282,630 $7,400 4.89%
    36% 263 $75,845,000 $288,384 $7,373 4.79%
    37% 262 $75,410,000 $287,824 $7,694 4.86%
    >60% 30 $12,490,000 $416,333 $12,005 4.83%

    The Federal Savings Bank lent most frequently to those with DTI ratios of 50-60%, with 2,134 originations. The next most common DTI ratio? 30-36%, with 1,152 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,418 $2,147,170,000 $289,454 $7,898 4.78%
    Not provided 1,850 $521,640,000 $281,968 $9,104 4.68%
    Black 1,380 $398,370,000 $288,674 $9,188 4.76%
    Asian 380 $128,130,000 $337,184 $9,097 4.87%
    Native Hawaiian or Islander 49 $20,115,000 $410,510 $12,326 4.46%
    American Indian 61 $16,215,000 $265,820 $7,287 4.75%
    Japanese 1 $415,000 $415,000 $16,729 5.25%
    Native Hawaiian 1 $135,000 $135,000 $0 4.69%

    Approval Rates

    Total approvals of all applications
    94.24%

    The Federal Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    64.89%

    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 11,140 $3,232,190,000 $290,143

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 86 $18,260,000 $212,326
    Single Family (1-4 Units):Site-Built 11,054 $3,213,930,000 $290,748

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 148 $34,960,000 $236,216 $5,854 4.80%
    40-60% 649 $167,955,000 $258,790 $6,023 4.83%
    60-80% 2,591 $797,115,000 $307,648 $6,873 4.93%
    80-100% 7,131 $2,041,335,000 $286,262 $8,379 4.70%
    Over 100% 599 $186,585,000 $311,494 $14,914 4.63%
    Under 20% 22 $4,240,000 $192,727 $5,178 4.98%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Federal Savings Bank 300 North Elizabeth Street, Floor 3e Chicago, IL 60607 Full Service B&M $105,062
    The Federal Savings Bank 664 N Western Ave Lake Forest, IL 60045 Full Service B&M $108,542

    For 2018, The Federal Savings Bank had 2 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $13,901
    Net interest income $10,573
    Total noninterest income $161,429
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $95
    Trading account gains and fees $0
    Additional Noninterest Income $161,334
    Pre-tax net operating income $16,114
    Securities gains (or losses, -) $0
    Income before extraordinary items $12,085
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,085
    Minority interest net income $0
    Net income $12,085
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,085

    The Federal Savings Bank's gross interest income from loans was $13,901,000.
    The Federal Savings Bank's net interest income from loans was $10,573,000.
    The Federal Savings Bank's fee based income from loans was $95,000.
    The Federal Savings Bank's net income from loans was $12,085,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,328
    Provision for credit losses $60
    Total noninterest expense $155,828
    Salaries and employee benefits $105,022
    Premises and equipment expense $4,863
    Additional noninterest expense $45,943
    Applicable income taxes $4,029
    Net charge-offs $265
    Cash dividends $6,000

    The Federal Savings Bank's interest expense for loans was $3,328,000.
    The Federal Savings Bank's payroll and benefits expense were $105,022,000.
    The Federal Savings Bank's property, plant and equipment expenses $4,863,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 5.0%
    1-4 family residential loans 1.0%
    HELOC loans 2.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 2.0%
    Credit card loans 0.0%
    Other individual loans 2.0%
    Auto loans 0.0%
    Other consumer loans 2.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $216,139
    Deposits held in domestic offices $216,139
    Deposits by Individuals, partnerships, and corporations $178,675
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $201
    Deposits by Commercial banks and other depository institutions in U.S. $37,262
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $31,121
    Demand deposits $20,197
    Nontransaction accounts $185,017
    Money market deposit accounts (MMDAs) $53,041
    Other savings deposits (excluding MMDAs) $1,183
    Total time deposits $130,794
    Total time and savings deposits $195,941
    Noninterest-bearing deposits $25,616
    Interest-bearing deposits $190,523
    Retail deposits $154,329
    IRAs and Keogh plan accounts $7,569
    Brokered deposits $36,270
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $395,677
    Cash & Balances due from depository institutions $15,884
    Interest-bearing balances $12,712
    Total securities $849
    Federal funds sold & reverse repurchase $0
    Net loans and leases $353,486
    Loan and leases loss allowance $895
    Trading account assets $0
    Bank premises and fixed assets $7,316
    Other real estate owned $473
    Goodwill and other intangibles $8,401
    All other assets $9,268

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $395,677
    Total Liabilities $316,222
    Total deposits $216,139
    Interest-bearing deposits $190,523
    Deposits held in domestic offices $216,139
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $61,918
    Trading liabilities $0
    Other borrowed funds $22,500
    Subordinated debt $0
    All other liabilities $15,665

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $353,486
    Loan and leases loss allowance $895
    Total loans and leases (domestic) $354,381
    All real estate loans $348,776
    Real estate loans in domestic offices $348,776
    Construction and development loans $21,143
    Residential 1-4 family construction $18,965
    Other construction, all land development and other land $2,178
    Loans secured by nonfarm nonresidential properties $839
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $839
    Multifamily residential real estate $4,546
    1-4 family residential loans $322,248
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $174
    To non-U.S. addressees $0
    Loans to individuals $5,432
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $5,432
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    The Federal Savings Bank had $353,486,000 of loans outstanding in 2018. $348,776,000 of loans were in real estate loans. $21,143,000 of loans were in development loans. $4,546,000 of loans were in multifamily mortgage loans. $322,248,000 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 4 $839 $209,750
    Nonfarm, nonresidential loans - $100-250k 2 $261 $130,500
    Nonfarm, nonresidential loans - $250k-1MM 2 $578 $289,000
    Commercial & Industrial, US addressed loans - <$1MM 1 $174 $174,000
    Commercial & Industrial, US addressed loans - $250k-1MM 1 $174 $174,000