First Home Bank Mortgage Rates, Fees & Info

Saint Petersburg, FL

LEI: 549300DMI3W6YLDVSK93

Tax ID: 59-3526917

2.1 stars - Updated: 3/17/24 - out of 5 stars, based on 52 reviews

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

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Mortgage Data

Review & Overview

First Home Bank is a smaller bank specializing in Home Purchase loans. First Home Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Seattle, Tampa, Dover, and Baltimore among others. We have data for 267 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Home 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. First Home 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 6.44% 3/17/24
30 Year Conventional Refi 6.36% 3/17/24
30 Year Cash-out Refi 6.56% 3/17/24
30 Year FHA Purchase 7.14% 3/17/24
30 Year FHA Refi 6.32% 3/17/24
30 Year VA Purchase 6.15% 3/17/24
30 Year VA Refi 3.11% 3/17/24
30 Year USDA Purchase 6.25% 3/17/24
15 Year Conventional Purchase 6.05% 3/17/24
15 Year Conventional Refi 6.22% 3/17/24
15 Year Cash-out Refi 6.22% 3/17/24
15 Year FHA Purchase 4.48% 3/17/24
15 Year FHA Refi 5.68% 3/17/24
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.

First Home Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from First Home 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

2,680

Origination Dollar Volume (All Markets)

$895,470,000
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Relative Rate

First Home Bank's average 30 year fixed mortgage rate was 4.78%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.02%.

Relative Fees (Closing Costs)

First Home Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $9,331.

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) 239 $95,155,000 $398,138 $10,023 4.51%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 174 $78,260,000 $449,770 $11,134 4.44%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 225 $64,525,000 $286,778 $5,875 4.76%
DOVER, DE (FHA|USDA|VA) 178 $55,480,000 $311,685 $10,234 4.50%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 159 $53,325,000 $335,377 $10,749 4.98%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 113 $52,665,000 $466,062 $5,488 4.54%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 142 $45,660,000 $321,549 $8,333 5.00%
SALISBURY, MD-DE (FHA|USDA|VA) 143 $42,135,000 $294,650 $8,292 4.73%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 72 $27,540,000 $382,500 $10,315 5.80%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 60 $25,980,000 $433,000 $12,349 4.65%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 85 $25,245,000 $297,000 $10,020 4.73%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 80 $22,760,000 $284,500 $9,394 4.74%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 39 $19,825,000 $508,333 $11,945 4.82%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 28 $12,350,000 $441,071 $8,512 4.43%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 38 $11,160,000 $293,684 $8,666 4.86%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 41 $10,885,000 $265,488 $9,346 5.16%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 30 $10,520,000 $350,667 $10,538 4.64%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 25 $9,775,000 $391,000 $12,107 4.43%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 20 $8,610,000 $430,500 $10,914 4.74%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 19 $7,885,000 $415,000 $9,092 4.69%
Outside of Metro Areas 33 $7,835,000 $237,424 $8,210 4.57%
BOISE CITY, ID (FHA|USDA|VA) 23 $7,495,000 $325,870 $9,348 4.03%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 29 $7,045,000 $242,931 $8,451 5.21%
JACKSONVILLE, FL (FHA|USDA|VA) 19 $6,875,000 $361,842 $6,639 5.02%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 14 $6,060,000 $432,857 $12,493 5.12%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $5,185,000 $471,364 $7,949 5.45%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 19 $5,025,000 $264,474 $9,973 4.78%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $4,545,000 $413,182 $9,375 5.29%
KANSAS CITY, MO-KS (FHA|USDA|VA) 17 $4,275,000 $251,471 $6,386 4.48%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 9 $4,185,000 $465,000 $17,485 4.60%
Coos Bay, OR (FHA|USDA|VA) 11 $4,075,000 $370,455 $11,041 5.22%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $3,420,000 $570,000 $11,655 4.27%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 12 $3,130,000 $260,833 $10,274 4.39%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $2,935,000 $419,286 $10,357 4.23%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 12 $2,650,000 $220,833 $7,038 5.20%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 9 $2,545,000 $282,778 $7,350 5.04%
YORK-HANOVER, PA (FHA|USDA|VA) 11 $2,405,000 $218,636 $6,766 5.18%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 8 $2,380,000 $297,500 $12,690 4.16%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $2,215,000 $738,333 $24,978 5.58%
PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $2,210,000 $276,250 $7,590 5.02%
Aberdeen, WA (FHA|USDA|VA) 9 $2,145,000 $238,333 $9,123 4.03%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 11 $2,045,000 $185,909 $8,741 4.56%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $2,020,000 $252,500 $7,612 4.14%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $2,005,000 $286,429 $7,969 3.98%
Centralia, WA (FHA|USDA|VA) 5 $1,895,000 $379,000 $15,192 4.70%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $1,880,000 $313,333 $7,968 4.54%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $1,845,000 $369,000 $6,545 4.45%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 8 $1,680,000 $210,000 $8,688 4.77%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,635,000 $327,000 $10,971 5.43%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $1,630,000 $815,000 $17,901 6.81%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,620,000 $270,000 $9,204 4.96%
Moscow, ID (FHA|USDA|VA) 6 $1,610,000 $268,333 $6,582 3.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 7 $1,595,000 $227,857 $7,324 5.02%
ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,525,000 $217,857 $5,803 4.43%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,525,000 $305,000 $7,191 4.90%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 8 $1,500,000 $187,500 $8,673 4.87%
Outside of Metro Areas 6 $1,490,000 $248,333 $7,462 4.35%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,465,000 $488,333 $13,827 4.13%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $1,425,000 $475,000 $11,903 4.71%
ANCHORAGE, AK (FHA|USDA|VA) 2 $1,390,000 $695,000 $31,949 4.31%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $1,385,000 $461,667 $8,746 4.58%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $1,385,000 $1,385,000 $6,123 3.13%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $1,370,000 $342,500 $12,515 5.31%
COLUMBUS, OH (FHA|USDA|VA) 7 $1,355,000 $193,571 $7,246 4.84%
GAINESVILLE, GA (FHA|USDA|VA) 4 $1,320,000 $330,000 $6,657 4.34%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,290,000 $322,500 $5,418 4.47%
Torrington, CT (FHA|USDA|VA) 6 $1,260,000 $210,000 $7,761 5.19%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 6 $1,230,000 $205,000 $6,165 4.60%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,190,000 $297,500 $4,545 4.59%
LANCASTER, PA (FHA|USDA|VA) 5 $1,165,000 $233,000 $8,101 4.32%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 4 $1,160,000 $290,000 $5,741 4.28%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $9,142 5.50%
WORCESTER, MA-CT (FHA|USDA|VA) 4 $1,140,000 $285,000 $11,499 4.72%
OCALA, FL (FHA|USDA|VA) 5 $1,105,000 $221,000 $8,509 4.73%
GREELEY, CO (FHA|USDA|VA) 3 $1,055,000 $351,667 $13,305 4.67%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,055,000 $351,667 $9,203 5.04%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 5 $1,045,000 $209,000 $5,245 4.28%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,030,000 $257,500 $5,049 5.63%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $1,020,000 $510,000 $16,586 3.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $1,010,000 $252,500 $8,980 4.66%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $985,000 $197,000 $4,679 4.50%
VALLEJO, CA (FHA|USDA|VA) 2 $980,000 $490,000 $9,243 3.62%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $965,000 $321,667 $9,795 4.42%
YAKIMA, WA (FHA|USDA|VA) 4 $960,000 $240,000 $5,744 4.97%
TUCSON, AZ (FHA|USDA|VA) 5 $945,000 $189,000 $6,022 4.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $945,000 $189,000 $5,607 3.92%
PITTSBURGH, PA (FHA|USDA|VA) 4 $940,000 $235,000 $10,921 3.84%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $935,000 $311,667 $13,280 4.00%
LEBANON, PA (FHA|USDA|VA) 7 $925,000 $132,143 $5,282 5.20%
GAINESVILLE, FL (FHA|USDA|VA) 3 $905,000 $301,667 $10,605 3.58%
WICHITA, KS (FHA|USDA|VA) 4 $900,000 $225,000 $6,228 5.38%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $890,000 $222,500 $8,678 4.84%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $885,000 $295,000 $8,590 4.29%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $870,000 $217,500 $11,217 4.56%
DOTHAN, AL (FHA|USDA|VA) 3 $865,000 $288,333 $5,393 4.12%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $860,000 $215,000 $5,598 3.88%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $855,000 $285,000 $8,286 4.42%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $855,000 $285,000 $10,874 4.79%
TULSA, OK (FHA|USDA|VA) 3 $845,000 $281,667 $11,158 4.83%
RICHMOND, VA (FHA|USDA|VA) 3 $825,000 $275,000 $4,946 4.50%
WILMINGTON, NC (FHA|USDA|VA) 3 $805,000 $268,333 $7,245 4.21%
Forest City, NC (FHA|USDA|VA) 1 $805,000 $805,000 $10,942 5.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $805,000 $268,333 $5,905 4.54%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $775,000 $775,000 $32,616 5.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $735,000 $245,000 $8,932 3.33%
Concord, NH (FHA|USDA|VA) 2 $710,000 $355,000 $8,167 5.18%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $700,000 $350,000 $6,332 3.69%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $690,000 $345,000 $12,517 3.19%
Hilo, HI (FHA|USDA|VA) 1 $675,000 $675,000 $21,608 5.25%
Boone, NC (FHA|USDA|VA) 2 $650,000 $325,000 $4,218 5.75%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $650,000 $325,000 $12,716 4.63%
GETTYSBURG, PA (FHA|USDA|VA) 3 $635,000 $211,667 $6,724 5.17%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $615,000 $205,000 $7,883 4.71%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $605,000 $201,667 $3,753 4.96%
MODESTO, CA (FHA|USDA|VA) 2 $590,000 $295,000 $8,194 3.94%
BELLINGHAM, WA (FHA|USDA|VA) 1 $555,000 $555,000 $3,918 2.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $535,000 $535,000 $11,958 6.75%
Pahrump, NV (FHA|USDA|VA) 2 $530,000 $265,000 $6,773 5.25%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $525,000 $175,000 $3,703 5.25%
Morehead City, NC (FHA|USDA|VA) 2 $520,000 $260,000 $9,217 6.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $515,000 $171,667 $9,183 4.75%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $515,000 $515,000 $11,998 5.50%
Crossville, TN (FHA|USDA|VA) 1 $515,000 $515,000 $5,465 3.75%
FLINT, MI (FHA|USDA|VA) 2 $510,000 $255,000 $9,273 5.19%
FARMINGTON, NM (FHA|USDA|VA) 2 $510,000 $255,000 $6,296 4.56%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $505,000 $505,000 $3,605 3.62%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $490,000 $245,000 $6,079 4.63%
LYNCHBURG, VA (FHA|USDA|VA) 2 $490,000 $245,000 $4,752 5.31%
Bozeman, MT (FHA|USDA|VA) 1 $485,000 $485,000 $0 6.13%
BILLINGS, MT (FHA|USDA|VA) 2 $480,000 $240,000 $6,909 4.00%
VICTORIA, TX (FHA|USDA|VA) 1 $475,000 $475,000 $9,156 6.13%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $470,000 $235,000 $7,386 4.44%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $470,000 $235,000 $3,839 4.19%
Ellensburg, WA (FHA|USDA|VA) 1 $465,000 $465,000 $9,744 3.50%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $465,000 $155,000 $4,563 4.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $465,000 $465,000 $2,800 4.38%
Moses Lake, WA (FHA|USDA|VA) 2 $460,000 $230,000 $9,518 4.25%
Roseburg, OR (FHA|USDA|VA) 2 $460,000 $230,000 $11,007 4.50%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $455,000 $455,000 $16,495 3.50%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $450,000 $225,000 $14,293 3.56%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $445,000 $445,000 $20,319 5.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $445,000 $445,000 $4,634 3.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $430,000 $215,000 $7,644 5.94%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $430,000 $215,000 $5,106 4.38%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $425,000 $425,000 $18,139 4.63%
Seneca, SC (FHA|USDA|VA) 3 $425,000 $141,667 $4,367 4.75%
Glenwood Springs, CO (FHA|USDA|VA) 1 $425,000 $425,000 $10,553 5.63%
PANAMA CITY, FL (FHA|USDA|VA) 1 $425,000 $425,000 $18,722 3.50%
MIDLAND, TX (FHA|USDA|VA) 1 $425,000 $425,000 $23,437 4.75%
BOULDER, CO (FHA|USDA|VA) 1 $405,000 $405,000 $6,432 4.88%
CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $400,000 $200,000 $8,068 3.69%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $390,000 $195,000 $11,211 4.50%
LONGVIEW, WA (FHA|USDA|VA) 1 $385,000 $385,000 $5,289 2.75%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $370,000 $185,000 $11,641 5.44%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $370,000 $185,000 $5,906 4.94%
Thomasville, GA (FHA|USDA|VA) 1 $365,000 $365,000 $12,089 4.50%
Susanville, CA (FHA|USDA|VA) 1 $365,000 $365,000 $14,849 4.12%
DECATUR, AL (FHA|USDA|VA) 1 $355,000 $355,000 $3,296 5.63%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $355,000 $355,000 $19,784 5.25%
Cambridge, MD (FHA|USDA|VA) 2 $350,000 $175,000 $4,801 5.56%
JOPLIN, MO (FHA|USDA|VA) 2 $350,000 $175,000 $8,191 3.75%
MONTGOMERY, AL (FHA|USDA|VA) 2 $340,000 $170,000 $4,377 5.81%
Clarksburg, WV (FHA|USDA|VA) 2 $340,000 $170,000 $7,648 4.19%
SPARTANBURG, SC (FHA|USDA|VA) 2 $340,000 $170,000 $4,925 5.13%
Blackfoot, ID (FHA|USDA|VA) 2 $340,000 $170,000 $7,182 4.31%
Easton, MD (FHA|USDA|VA) 1 $335,000 $335,000 $4,786 4.75%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $335,000 $335,000 $8,441 4.13%
Brevard, NC (FHA|USDA|VA) 1 $335,000 $335,000 $3,828 6.00%
ELMIRA, NY (FHA|USDA|VA) 1 $335,000 $335,000 $11,475 4.88%
BANGOR, ME (FHA|USDA|VA) 2 $330,000 $165,000 $4,216 6.06%
MISSOULA, MT (FHA|USDA|VA) 1 $325,000 $325,000 $13,878 5.13%
Fredericksburg, TX (FHA|USDA|VA) 1 $325,000 $325,000 $6,677 3.63%
Meadville, PA (FHA|USDA|VA) 1 $325,000 $325,000 $8,419 3.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $315,000 $315,000 $10,286 3.13%
Cedartown, GA (FHA|USDA|VA) 1 $315,000 $315,000 $16,343 5.63%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $315,000 $315,000 $0 8.99%
MADISON, WI (FHA|USDA|VA) 1 $315,000 $315,000 $9,712 4.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $315,000 $315,000 $3,769 3.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $295,000 $295,000 $7,005 4.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $295,000 $295,000 $9,409 3.38%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $295,000 $295,000 $16,695 4.25%
VALDOSTA, GA (FHA|USDA|VA) 1 $295,000 $295,000 $17,599 3.75%
BECKLEY, WV (FHA|USDA|VA) 1 $295,000 $295,000 $10,718 3.75%
KINGSTON, NY (FHA|USDA|VA) 1 $295,000 $295,000 $16,918 4.75%
LAWRENCE, KS (FHA|USDA|VA) 1 $285,000 $285,000 $5,490 4.37%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $280,000 $140,000 $2,987 3.38%
Shelton, WA (FHA|USDA|VA) 1 $275,000 $275,000 $10,328 3.13%
Jefferson, GA (FHA|USDA|VA) 1 $275,000 $275,000 $4,413 5.75%
Corsicana, TX (FHA|USDA|VA) 1 $275,000 $275,000 $6,897 3.75%
Garden City, KS (FHA|USDA|VA) 1 $265,000 $265,000 $11,503 6.13%
Georgetown, SC (FHA|USDA|VA) 1 $265,000 $265,000 $2,760 5.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $260,000 $130,000 $6,085 5.94%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $250,000 $125,000 $6,399 6.13%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $245,000 $245,000 $4,328 6.25%
Mountain Home, ID (FHA|USDA|VA) 1 $245,000 $245,000 $4,868 3.50%
LINCOLN, NE (FHA|USDA|VA) 2 $240,000 $120,000 $6,204 7.00%
ALBANY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $13,113 5.63%
Opelousas, LA (FHA|USDA|VA) 1 $235,000 $235,000 $3,858 5.63%
Payson, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $8,747 3.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $235,000 $235,000 $9,595 5.13%
UTICA-ROME, NY (FHA|USDA|VA) 1 $235,000 $235,000 $8,514 3.75%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $235,000 $235,000 $7,079 4.00%
LOUISVILLE, KY (FHA|USDA|VA) 2 $230,000 $115,000 $6,242 4.56%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $225,000 $225,000 $10,513 6.13%
ROCHESTER, MN (FHA|USDA|VA) 1 $225,000 $225,000 $5,771 4.38%
Kalispell, MT (FHA|USDA|VA) 1 $225,000 $225,000 $7,747 3.63%
TOPEKA, KS (FHA|USDA|VA) 1 $225,000 $225,000 $10,679 2.75%
DALTON, GA (FHA|USDA|VA) 1 $225,000 $225,000 $3,821 6.13%
Lebanon, NH-VT (FHA|USDA|VA) 1 $225,000 $225,000 $7,693 4.50%
ODESSA, TX (FHA|USDA|VA) 1 $215,000 $215,000 $9,799 3.25%
MOBILE, AL (FHA|USDA|VA) 1 $215,000 $215,000 $16,053 5.88%
BURLINGTON, NC (FHA|USDA|VA) 1 $215,000 $215,000 $4,614 3.88%
Fremont, NE (FHA|USDA|VA) 1 $215,000 $215,000 $12,302 4.25%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $215,000 $215,000 $9,264 4.13%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $215,000 $215,000 $8,540 4.62%
Cullowhee, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,835 4.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $200,000 $100,000 $4,934 4.63%
Albemarle, NC (FHA|USDA|VA) 1 $195,000 $195,000 $11,692 3.88%
DULUTH, MN-WI (FHA|USDA|VA) 1 $195,000 $195,000 $6,535 3.25%
TYLER, TX (FHA|USDA|VA) 1 $195,000 $195,000 $9,145 5.00%
Washington, IN (FHA|USDA|VA) 1 $185,000 $185,000 $8,667 5.63%
Huntsville, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,652 5.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $185,000 $185,000 $8,958 5.62%
Brenham, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,985 4.88%
Sheridan, WY (FHA|USDA|VA) 1 $175,000 $175,000 $6,951 3.50%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $175,000 $175,000 $8,071 3.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $175,000 $175,000 $2,759 3.75%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $175,000 $175,000 $10,558 9.25%
Batavia, NY (FHA|USDA|VA) 1 $175,000 $175,000 $3,859 5.00%
FRESNO, CA (FHA|USDA|VA) 1 $175,000 $175,000 $6,745 3.63%
TOLEDO, OH (FHA|USDA|VA) 1 $175,000 $175,000 $4,243 3.75%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $175,000 $175,000 $9,553 4.75%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $175,000 $175,000 $8,225 4.00%
Gillette, WY (FHA|USDA|VA) 1 $175,000 $175,000 $5,554 6.13%
FORT WAYNE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $5,689 3.50%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $165,000 $165,000 $6,368 3.75%
ANN ARBOR, MI (FHA|USDA|VA) 1 $165,000 $165,000 $6,249 3.75%
Plattsburgh, NY (FHA|USDA|VA) 1 $165,000 $165,000 $8,521 6.88%
PUEBLO, CO (FHA|USDA|VA) 1 $165,000 $165,000 $6,141 5.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $155,000 $155,000 $7,008 3.00%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $155,000 $155,000 $5,435 3.38%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $155,000 $155,000 $6,449 3.13%
Scottsboro, AL (FHA|USDA|VA) 1 $155,000 $155,000 $6,116 3.75%
COLUMBIA, SC (FHA|USDA|VA) 2 $150,000 $75,000 $3,678 5.88%
Amsterdam, NY (FHA|USDA|VA) 1 $145,000 $145,000 $5,122 5.13%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $145,000 $145,000 $6,035 3.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $6,004 5.25%
Keene, NH (FHA|USDA|VA) 1 $145,000 $145,000 $6,455 2.88%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,258 4.38%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $135,000 $135,000 $9,579 3.75%
MANSFIELD, OH (FHA|USDA|VA) 1 $135,000 $135,000 $7,543 3.63%
Henderson, NC (FHA|USDA|VA) 1 $125,000 $125,000 $6,070 5.63%
RACINE, WI (FHA|USDA|VA) 1 $125,000 $125,000 $5,228 6.12%
SYRACUSE, NY (FHA|USDA|VA) 1 $115,000 $115,000 $6,095 4.63%
Danville, VA (FHA|USDA|VA) 1 $115,000 $115,000 $3,919 4.38%
Seymour, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,977 4.38%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $105,000 $105,000 $6,632 5.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $95,000 $95,000 $3,798 4.13%
Enterprise, AL (FHA|USDA|VA) 1 $95,000 $95,000 $3,380 6.00%
MONROE, LA (FHA|USDA|VA) 1 $95,000 $95,000 $4,760 4.75%
LAWTON, OK (FHA|USDA|VA) 1 $85,000 $85,000 $4,048 3.75%
Wooster, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,935 4.12%
Orangeburg, SC (FHA|USDA|VA) 1 $85,000 $85,000 $4,128 5.88%
Marion, OH (FHA|USDA|VA) 1 $75,000 $75,000 $5,566 4.62%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $75,000 $75,000 $5,690 5.99%
Tupelo, MS (FHA|USDA|VA) 1 $75,000 $75,000 $4,596 2.88%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,734 3.50%
First Home Bank's top markets include New York, Seattle, Tampa, Dover, and Baltimore among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,973 $658,495,000 $333,753 $7,449 4.74%
    FHA 452 $139,510,000 $308,650 $13,436 4.82%
    VA 240 $94,040,000 $391,833 $13,812 4.36%
    USDA 15 $3,425,000 $228,333 $8,644 4.13%

    For 2022, First Home Bank's most frequently originated type of loan was Conventional, with 1,973 originations. Their 2nd most popular type was FHA, with 452 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,898 $678,000,000 $357,218 $9,537 4.87%
    Cash Out Refi 551 $159,865,000 $290,136 $8,762 4.41%
    Refi 178 $50,710,000 $284,888 $7,193 3.92%
    Home Improvement 30 $5,220,000 $174,000 $1,289 5.35%
    Other 23 $1,675,000 $72,826 $303 4.85%

    For 2022, First Home Bank's most frequently cited loan purpose was Home Purchase, with 1,898 originations. The 2nd most popular reason was Cash Out Refi, with 551 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,466 $840,600,000 $340,876 $9,331 4.78%
    15 Year 107 $25,805,000 $241,168 $5,630 3.64%
    20 Year 61 $11,415,000 $187,131 $4,641 4.64%
    10 Year 20 $2,080,000 $104,000 $2,659 4.23%
    Other 15 $3,195,000 $213,000 $7,456 3.77%
    30+ year 6 $11,780,000 $1,963,333 $30,981 5.73%
    5 Year 4 $240,000 $60,000 $261 3.12%
    1 Year 1 $355,000 $355,000 $4,601 5.75%

    For 2022, First Home Bank's most frequently cited loan duration was 30 Year, with 2,466 originations. The 2nd most popular length was 15 Year, with 107 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 864 $360,120,000 $416,806
    $1k-2k 652 $202,540,000 $310,644
    $2k-3k 335 $93,465,000 $279,000
    $3k-4k 297 $84,345,000 $283,990
    $4k-5k 259 $78,775,000 $304,151
    $<1k 239 $66,555,000 $278,473

    First Home Bank's average total fees were $9,331, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 864 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 863 $292,785,000 $339,264
    3-4% 737 $246,405,000 $334,335
    4-5% 730 $248,220,000 $340,027
    6-7% 199 $59,395,000 $298,467
    2.5-3% 81 $23,065,000 $284,753
    <2.5% 27 $4,215,000 $156,111
    7-8% 24 $12,130,000 $505,417
    Over 8% 19 $9,255,000 $487,105

    During 2022, First Home Bank's average interest rate for loans was 4.78%, while their most frequently originated rate bucket for loans was 5-6%, with 863 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,320 $386,340,000 $292,682 $8,750 4.74%
    $400k-600k 548 $262,690,000 $479,361 $11,624 4.73%
    $100k-200k 508 $80,250,000 $157,972 $5,905 4.69%
    $600k-1MM 155 $108,425,000 $699,516 $14,518 4.70%
    $100,000 or less 120 $7,480,000 $62,333 $2,418 4.33%
    $1MM+ 29 $50,285,000 $1,733,966 $26,610 5.37%

    2022 saw First Home Bank place emphasis on $200k-400k loans with 1,320 originations, totaling $386,340,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 640 $229,460,000 $358,531 $9,524 4.70%
    $50k-75k 576 $139,490,000 $242,170 $8,392 4.60%
    $75k-100k 557 $164,345,000 $295,054 $8,938 4.78%
    $150k-250k 416 $175,420,000 $421,683 $9,725 4.86%
    $50k or less 254 $44,760,000 $176,220 $6,849 4.44%
    $250k+ 200 $131,630,000 $658,150 $12,104 5.10%

    First Home Bank lent most frequently to those with incomes in the $100k-150k range, with 640 originations. The second most popular income band? $50k-75k, with 576 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 390 $124,000,000 $317,949 $8,042 4.63%
    20-30% 381 $123,395,000 $323,871 $7,476 4.57%
    50-60% 214 $78,050,000 $364,720 $14,458 4.78%
    49% 170 $60,720,000 $357,176 $10,100 4.71%
    44% 146 $45,300,000 $310,274 $8,238 4.69%
    45% 119 $38,395,000 $322,647 $9,279 4.88%
    43% 118 $38,480,000 $326,102 $9,014 4.70%
    48% 113 $38,785,000 $343,230 $10,071 4.84%
    41% 113 $40,005,000 $354,027 $8,582 4.82%
    <20% 112 $38,370,000 $342,589 $7,109 4.61%
    42% 110 $37,000,000 $336,364 $9,155 4.60%
    40% 108 $37,690,000 $348,981 $8,358 4.93%
    38% 105 $34,535,000 $328,905 $8,346 4.78%
    46% 104 $34,600,000 $332,692 $9,703 4.93%
    47% 104 $33,540,000 $322,500 $11,064 4.89%
    39% 90 $32,940,000 $366,000 $7,984 4.66%
    37% 86 $27,280,000 $317,209 $8,370 4.68%
    36% 86 $29,300,000 $340,698 $8,356 4.72%
    >60% 6 $1,570,000 $261,667 $5,050 5.29%

    First Home Bank lent most frequently to those with DTI ratios of 30-36%, with 390 originations. The next most common DTI ratio? 20-30%, with 381 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,850 $614,340,000 $332,076 $8,464 4.69%
    Not provided 378 $127,220,000 $336,561 $10,319 4.82%
    Black 316 $100,960,000 $319,494 $10,611 4.80%
    Asian 103 $42,045,000 $408,204 $9,916 4.80%
    American Indian 23 $7,665,000 $333,261 $9,999 3.99%
    Native Hawaiian or Islander 9 $2,785,000 $309,444 $9,307 4.98%
    Asian Indian 1 $455,000 $455,000 $10,102 5.12%

    Approval Rates

    Total approvals of all applications
    88.38%

    First Home Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    60.04%

    First Home 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 2,680 $895,470,000 $334,131

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,680 $895,470,000 $334,131

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 107 $22,405,000 $209,393 $5,277 4.51%
    40-60% 289 $81,945,000 $283,547 $6,667 4.30%
    60-80% 818 $283,300,000 $346,333 $8,231 4.70%
    80-100% 1,343 $479,345,000 $356,921 $10,293 4.88%
    Over 100% 55 $23,715,000 $431,182 $20,412 4.54%
    Under 20% 66 $4,300,000 $65,152 $809 3.98%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    FIRST CITIZENS BANCSHARES, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 100.0%