First Home Bank Mortgage Rates, Fees & Info

Saint Petersburg, FL

LEI: 549300DMI3W6YLDVSK93

Tax ID: 59-3526917

3.41 stars - out of 5 stars, based on 82 reviews

2020 Data | 2019 Data | 2018 Data


Overview

First Home Bank is a small bank specializing in Refi and 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 include Tampa, Tacoma, New York, New Brunswick, and North Port among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. First Home Bank is typically a high fee lendor.


Originations

6,646

Origination Dollar Volume (All Markets)

$2,263,850,000

Employee count

596 Show all (34) awards

Relative Rate

First Home Bank's average 30 year fixed rate mortgage of loans were 3.12%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.24%.

Relative Fees

First Home Bank's average total fees for a 30 year fixed rate mortgage are $6,186.

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

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 208 $417,250,000 $2,006,010 $4,952 3.13%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 475 $152,825,000 $321,737 $5,471 2.96%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 371 $148,005,000 $398,935 $8,348 3.29%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 295 $99,255,000 $336,458 $6,642 3.15%
Outside of Metro Areas 399 $95,545,000 $239,461 $5,497 2.98%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 257 $90,875,000 $353,599 $4,113 3.12%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 302 $82,560,000 $273,377 $6,256 3.07%
BOISE CITY, ID (FHA|USDA|VA) 271 $71,695,000 $264,557 $5,383 3.09%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 217 $63,975,000 $294,816 $6,256 3.22%
SALT LAKE CITY, UT (FHA|USDA|VA) 249 $62,885,000 $252,550 $6,646 3.44%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 169 $53,265,000 $315,178 $7,417 3.09%
NEWARK, NJ-PA (FHA|USDA|VA) 128 $39,500,000 $308,594 $7,453 3.15%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 153 $37,375,000 $244,281 $5,708 3.23%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 90 $32,850,000 $365,000 $6,662 2.92%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 74 $30,310,000 $409,595 $3,346 2.68%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 97 $23,935,000 $246,753 $5,958 3.02%
RALEIGH-CARY, NC (FHA|USDA|VA) 78 $22,030,000 $282,436 $5,252 3.03%
BOSTON, MA (FHA|USDA|VA) 56 $21,900,000 $391,071 $4,622 2.95%
KANSAS CITY, MO-KS (FHA|USDA|VA) 94 $21,630,000 $230,106 $3,603 3.14%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 61 $20,685,000 $339,098 $5,809 2.98%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 69 $18,965,000 $274,855 $5,390 3.03%
PROVO-OREM, UT (FHA|USDA|VA) 72 $18,330,000 $254,583 $5,697 3.23%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 65 $17,605,000 $270,846 $7,176 3.22%
SALISBURY, MD-DE (FHA|USDA|VA) 62 $16,790,000 $270,806 $4,993 2.84%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 59 $16,025,000 $271,610 $5,784 3.10%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 43 $15,985,000 $371,744 $8,623 3.07%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 86 $14,860,000 $172,791 $5,245 3.13%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 40 $14,840,000 $371,000 $8,959 3.07%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 44 $12,400,000 $281,818 $4,647 2.95%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 54 $11,860,000 $219,630 $5,124 3.02%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 43 $10,545,000 $245,233 $7,247 3.19%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 43 $9,955,000 $231,512 $4,965 3.19%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 26 $9,720,000 $373,846 $11,038 3.16%
JACKSONVILLE, FL (FHA|USDA|VA) 32 $9,400,000 $293,750 $4,962 2.99%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 40 $8,920,000 $223,000 $6,932 3.27%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 29 $8,735,000 $301,207 $5,316 2.81%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 21 $8,705,000 $414,524 $7,616 2.95%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 26 $8,680,000 $333,846 $8,344 3.07%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 25 $8,565,000 $342,600 $6,967 2.87%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 29 $7,945,000 $273,966 $5,781 2.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 25 $7,815,000 $312,600 $7,706 2.96%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 21 $7,595,000 $361,667 $9,100 2.92%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 28 $7,570,000 $270,357 $8,007 3.07%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 24 $7,140,000 $297,500 $5,202 3.17%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 29 $7,135,000 $246,034 $7,079 3.40%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 18 $7,010,000 $389,444 $10,236 3.06%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 22 $6,990,000 $317,727 $6,052 2.78%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 23 $6,945,000 $301,957 $8,047 3.13%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 27 $6,635,000 $245,741 $5,596 2.96%
WORCESTER, MA-CT (FHA|USDA|VA) 24 $6,610,000 $275,417 $2,499 2.72%
COLUMBUS, OH (FHA|USDA|VA) 30 $6,390,000 $213,000 $7,240 3.02%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 18 $5,970,000 $331,667 $5,455 3.02%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 30 $5,930,000 $197,667 $4,361 3.18%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 24 $5,880,000 $245,000 $6,255 2.96%
PHILADELPHIA, PA (FHA|USDA|VA) 23 $5,705,000 $248,043 $4,879 2.95%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 21 $5,595,000 $266,429 $6,224 3.12%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 23 $5,525,000 $240,217 $5,323 2.98%
DOVER, DE (FHA|USDA|VA) 21 $5,305,000 $252,619 $5,461 2.85%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 20 $5,240,000 $262,000 $5,736 3.19%
COEUR D'ALENE, ID (FHA|USDA|VA) 14 $5,190,000 $370,714 $10,910 2.64%
URBAN HONOLULU, HI (FHA|USDA|VA) 11 $5,155,000 $468,636 $10,788 2.94%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 21 $5,005,000 $238,333 $7,122 3.09%
ST. LOUIS, MO-IL (FHA|USDA|VA) 24 $4,940,000 $205,833 $5,007 2.93%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 17 $4,765,000 $280,294 $5,925 2.88%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 17 $4,655,000 $273,824 $5,344 2.85%
CAMDEN, NJ (FHA|USDA|VA) 21 $4,545,000 $216,429 $6,326 3.18%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 16 $4,450,000 $278,125 $3,747 2.90%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 21 $4,315,000 $205,476 $5,589 3.13%
ALBUQUERQUE, NM (FHA|USDA|VA) 18 $4,260,000 $236,667 $3,851 2.74%
PITTSBURGH, PA (FHA|USDA|VA) 15 $4,235,000 $282,333 $9,136 2.88%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 15 $4,125,000 $275,000 $8,334 3.23%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 15 $3,925,000 $261,667 $5,786 3.01%
RENO, NV (FHA|USDA|VA) 14 $3,910,000 $279,286 $4,500 3.10%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 18 $3,780,000 $210,000 $5,468 3.25%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 12 $3,770,000 $314,167 $5,576 2.80%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 12 $3,760,000 $313,333 $7,731 2.92%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 17 $3,655,000 $215,000 $5,530 3.49%
ROCHESTER, NY (FHA|USDA|VA) 20 $3,420,000 $171,000 $5,374 2.91%
RICHMOND, VA (FHA|USDA|VA) 11 $3,125,000 $284,091 $3,740 2.81%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 12 $3,110,000 $259,167 $10,196 3.22%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 11 $3,095,000 $281,364 $5,760 3.22%
COLORADO SPRINGS, CO (FHA|USDA|VA) 11 $3,065,000 $278,636 $6,732 3.11%
TWIN FALLS, ID (FHA|USDA|VA) 11 $3,035,000 $275,909 $5,906 3.27%
ELGIN, IL (FHA|USDA|VA) 15 $3,035,000 $202,333 $3,976 3.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 11 $3,025,000 $275,000 $5,188 2.92%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 15 $3,005,000 $200,333 $6,232 3.06%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 11 $3,005,000 $273,182 $7,101 3.02%
PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $2,970,000 $297,000 $7,880 3.21%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 12 $2,920,000 $243,333 $4,017 2.96%
WILMINGTON, NC (FHA|USDA|VA) 11 $2,855,000 $259,545 $6,421 3.09%
ANCHORAGE, AK (FHA|USDA|VA) 8 $2,750,000 $343,750 $5,917 2.72%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 11 $2,685,000 $244,091 $5,009 2.93%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 8 $2,670,000 $333,750 $4,976 2.78%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 8 $2,650,000 $331,250 $4,833 2.92%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $2,635,000 $292,778 $4,304 3.18%
PUNTA GORDA, FL (FHA|USDA|VA) 12 $2,620,000 $218,333 $4,223 3.14%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 9 $2,595,000 $288,333 $3,182 2.79%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 11 $2,375,000 $215,909 $5,438 2.81%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 12 $2,370,000 $197,500 $6,300 2.76%
OCALA, FL (FHA|USDA|VA) 12 $2,320,000 $193,333 $5,626 3.16%
IDAHO FALLS, ID (FHA|USDA|VA) 12 $2,310,000 $192,500 $5,168 2.82%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $2,300,000 $287,500 $5,559 2.78%
HUNTSVILLE, AL (FHA|USDA|VA) 8 $2,280,000 $285,000 $3,201 2.95%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 10 $2,200,000 $220,000 $3,198 2.99%
MODESTO, CA (FHA|USDA|VA) 8 $2,180,000 $272,500 $5,050 3.09%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 7 $2,165,000 $309,286 $6,580 3.04%
BEND, OR (FHA|USDA|VA) 5 $2,045,000 $409,000 $7,762 2.75%
COLUMBIA, SC (FHA|USDA|VA) 8 $2,030,000 $253,750 $4,072 3.14%
SAVANNAH, GA (FHA|USDA|VA) 10 $1,980,000 $198,000 $4,431 2.78%
VALLEJO, CA (FHA|USDA|VA) 6 $1,950,000 $325,000 $5,914 2.81%
STOCKTON, CA (FHA|USDA|VA) 7 $1,945,000 $277,857 $6,343 2.86%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 9 $1,875,000 $208,333 $4,135 2.74%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 5 $1,835,000 $367,000 $10,348 2.88%
SPRINGFIELD, MA (FHA|USDA|VA) 5 $1,805,000 $361,000 $2,824 2.88%
TUCSON, AZ (FHA|USDA|VA) 8 $1,770,000 $221,250 $4,124 2.83%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $1,765,000 $196,111 $3,294 3.19%
COLUMBUS, GA-AL (FHA|USDA|VA) 10 $1,750,000 $175,000 $2,538 2.86%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $1,705,000 $341,000 $6,611 2.90%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 4 $1,700,000 $425,000 $12,305 2.66%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $1,685,000 $337,000 $11,930 2.80%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $1,675,000 $186,111 $3,345 2.94%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 5 $1,655,000 $331,000 $3,614 2.73%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $1,655,000 $236,429 $5,896 3.21%
KNOXVILLE, TN (FHA|USDA|VA) 6 $1,630,000 $271,667 $2,396 3.00%
BRUNSWICK, GA (FHA|USDA|VA) 6 $1,600,000 $266,667 $6,526 3.23%
FORT COLLINS, CO (FHA|USDA|VA) 5 $1,535,000 $307,000 $9,183 2.93%
CHEYENNE, WY (FHA|USDA|VA) 5 $1,525,000 $305,000 $3,416 2.93%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,485,000 $212,143 $3,359 2.77%
YORK-HANOVER, PA (FHA|USDA|VA) 8 $1,460,000 $182,500 $6,120 3.59%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 7 $1,455,000 $207,857 $6,379 3.36%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $1,440,000 $240,000 $4,561 2.92%
GARY, IN (FHA|USDA|VA) 5 $1,415,000 $283,000 $7,702 3.23%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,405,000 $468,333 $18,383 3.17%
GREELEY, CO (FHA|USDA|VA) 5 $1,405,000 $281,000 $11,199 3.15%
LOGAN, UT-ID (FHA|USDA|VA) 6 $1,390,000 $231,667 $7,598 3.73%
FRESNO, CA (FHA|USDA|VA) 8 $1,380,000 $172,500 $8,863 3.11%
BILLINGS, MT (FHA|USDA|VA) 6 $1,380,000 $230,000 $5,100 2.79%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,370,000 $228,333 $4,858 2.98%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 7 $1,365,000 $195,000 $4,489 3.29%
EAST STROUDSBURG, PA (FHA|USDA|VA) 6 $1,350,000 $225,000 $6,185 2.90%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $1,300,000 $216,667 $5,576 3.58%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,285,000 $428,333 $9,269 2.58%
SAN RAFAEL, CA (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $8,879 3.38%
DAYTON-KETTERING, OH (FHA|USDA|VA) 6 $1,280,000 $213,333 $5,144 2.71%
LUBBOCK, TX (FHA|USDA|VA) 7 $1,275,000 $182,143 $4,599 3.07%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,265,000 $253,000 $4,359 3.18%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,731 3.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 6 $1,240,000 $206,667 $6,190 3.15%
SYRACUSE, NY (FHA|USDA|VA) 10 $1,170,000 $117,000 $4,566 3.63%
TULSA, OK (FHA|USDA|VA) 5 $1,165,000 $233,000 $5,765 3.15%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,150,000 $287,500 $4,418 2.59%
LEBANON, PA (FHA|USDA|VA) 6 $1,150,000 $191,667 $5,773 3.06%
BOULDER, CO (FHA|USDA|VA) 4 $1,130,000 $282,500 $6,727 2.94%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $1,105,000 $368,333 $5,001 2.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,100,000 $275,000 $5,745 2.91%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $1,060,000 $265,000 $7,427 2.97%
PEORIA, IL (FHA|USDA|VA) 5 $1,045,000 $209,000 $4,607 2.83%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 4 $1,020,000 $255,000 $5,122 2.88%
BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,010,000 $252,500 $3,430 2.88%
MIDLAND, TX (FHA|USDA|VA) 3 $975,000 $325,000 $5,142 3.25%
BLOOMINGTON, IN (FHA|USDA|VA) 4 $940,000 $235,000 $4,999 2.84%
ASHEVILLE, NC (FHA|USDA|VA) 4 $930,000 $232,500 $11,419 3.31%
WICHITA, KS (FHA|USDA|VA) 5 $925,000 $185,000 $3,398 2.83%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $895,000 $179,000 $4,940 3.03%
EL PASO, TX (FHA|USDA|VA) 6 $870,000 $145,000 $5,692 3.56%
PUEBLO, CO (FHA|USDA|VA) 3 $865,000 $288,333 $5,180 2.58%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $855,000 $285,000 $8,255 3.46%
BANGOR, ME (FHA|USDA|VA) 4 $830,000 $207,500 $7,525 2.69%
WENATCHEE, WA (FHA|USDA|VA) 2 $830,000 $415,000 $6,128 2.88%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $830,000 $207,500 $5,735 2.97%
BATON ROUGE, LA (FHA|USDA|VA) 3 $825,000 $275,000 $8,081 2.83%
NAPA, CA (FHA|USDA|VA) 2 $820,000 $410,000 $15,824 2.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $815,000 $271,667 $8,017 3.25%
SPRINGFIELD, IL (FHA|USDA|VA) 4 $810,000 $202,500 $5,432 3.00%
ST. GEORGE, UT (FHA|USDA|VA) 3 $795,000 $265,000 $7,881 3.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $790,000 $197,500 $5,129 3.16%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $790,000 $197,500 $3,368 3.00%
THE VILLAGES, FL (FHA|USDA|VA) 4 $790,000 $197,500 $6,105 3.06%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $780,000 $195,000 $5,586 3.06%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $775,000 $258,333 $3,365 2.75%
MERCED, CA (FHA|USDA|VA) 3 $775,000 $258,333 $9,306 3.25%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $775,000 $258,333 $8,957 3.46%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $770,000 $192,500 $4,499 3.25%
LONGVIEW, WA (FHA|USDA|VA) 3 $755,000 $251,667 $3,523 2.96%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $745,000 $248,333 $7,280 2.58%
JACKSONVILLE, NC (FHA|USDA|VA) 4 $730,000 $182,500 $6,361 3.13%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $730,000 $365,000 $10,044 3.06%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $725,000 $241,667 $11,895 3.33%
JOPLIN, MO (FHA|USDA|VA) 3 $715,000 $238,333 $2,904 2.63%
LANCASTER, PA (FHA|USDA|VA) 3 $715,000 $238,333 $5,490 2.63%
MONTGOMERY, AL (FHA|USDA|VA) 2 $700,000 $350,000 $7,451 2.94%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $695,000 $231,667 $4,324 3.33%
ROANOKE, VA (FHA|USDA|VA) 3 $695,000 $231,667 $2,854 2.88%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $685,000 $228,333 $5,479 3.13%
GLENS FALLS, NY (FHA|USDA|VA) 3 $685,000 $228,333 $3,556 3.08%
MORGANTOWN, WV (FHA|USDA|VA) 2 $680,000 $340,000 $8,608 3.19%
COLUMBUS, IN (FHA|USDA|VA) 3 $675,000 $225,000 $3,340 3.17%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $665,000 $221,667 $8,764 2.79%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $665,000 $221,667 $1,383 2.67%
GREAT FALLS, MT (FHA|USDA|VA) 3 $655,000 $218,333 $5,854 3.21%
SANTA FE, NM (FHA|USDA|VA) 3 $645,000 $215,000 $6,040 3.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $640,000 $320,000 $3,980 2.75%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $615,000 $205,000 $7,488 3.04%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $605,000 $201,667 $3,936 3.00%
AKRON, OH (FHA|USDA|VA) 3 $595,000 $198,333 $4,916 3.00%
DULUTH, MN-WI (FHA|USDA|VA) 3 $595,000 $198,333 $2,170 3.25%
GETTYSBURG, PA (FHA|USDA|VA) 3 $585,000 $195,000 $6,878 2.83%
ROCKFORD, IL (FHA|USDA|VA) 3 $585,000 $195,000 $3,364 3.21%
ROCHESTER, MN (FHA|USDA|VA) 3 $575,000 $191,667 $10,712 3.17%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $570,000 $285,000 $7,100 2.75%
LAREDO, TX (FHA|USDA|VA) 2 $550,000 $275,000 $11,689 2.69%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $540,000 $135,000 $3,126 3.13%
BELLINGHAM, WA (FHA|USDA|VA) 2 $540,000 $270,000 $5,300 2.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $530,000 $265,000 $6,606 3.00%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $520,000 $260,000 $2,815 2.75%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $515,000 $515,000 $7,035 3.38%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $515,000 $171,667 $5,507 2.88%
READING, PA (FHA|USDA|VA) 2 $510,000 $255,000 $5,020 2.50%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $510,000 $255,000 $9,778 2.94%
CARSON CITY, NV (FHA|USDA|VA) 2 $500,000 $250,000 $5,001 3.13%
TOPEKA, KS (FHA|USDA|VA) 2 $500,000 $250,000 $2,967 2.88%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $495,000 $165,000 $5,199 3.25%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $495,000 $165,000 $7,845 4.00%
FLINT, MI (FHA|USDA|VA) 3 $495,000 $165,000 $4,709 2.92%
LAWRENCE, KS (FHA|USDA|VA) 2 $490,000 $245,000 $2,023 2.94%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $485,000 $161,667 $3,349 2.88%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $480,000 $240,000 $3,973 2.75%
FORT WAYNE, IN (FHA|USDA|VA) 3 $475,000 $158,333 $2,774 3.17%
PANAMA CITY, FL (FHA|USDA|VA) 2 $470,000 $235,000 $9,385 2.69%
STAUNTON, VA (FHA|USDA|VA) 2 $470,000 $235,000 $4,235 2.81%
SALEM, OR (FHA|USDA|VA) 2 $460,000 $230,000 $8,869 2.69%
MEDFORD, OR (FHA|USDA|VA) 2 $460,000 $230,000 $3,943 2.81%
KINGSTON, NY (FHA|USDA|VA) 2 $460,000 $230,000 $8,281 2.50%
MORRISTOWN, TN (FHA|USDA|VA) 1 $435,000 $435,000 $3,266 2.63%
MADISON, WI (FHA|USDA|VA) 1 $435,000 $435,000 $4,608 2.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $430,000 $215,000 $6,602 2.75%
GRANTS PASS, OR (FHA|USDA|VA) 2 $430,000 $215,000 $4,317 3.00%
REDDING, CA (FHA|USDA|VA) 2 $430,000 $215,000 $6,767 2.69%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $425,000 $141,667 $3,212 3.25%
YAKIMA, WA (FHA|USDA|VA) 1 $415,000 $415,000 $6,503 2.88%
APPLETON, WI (FHA|USDA|VA) 2 $410,000 $205,000 $8,567 3.06%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $400,000 $200,000 $9,061 3.56%
MANHATTAN, KS (FHA|USDA|VA) 2 $400,000 $200,000 $6,077 2.50%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $395,000 $395,000 $1,512 2.88%
GAINESVILLE, GA (FHA|USDA|VA) 1 $395,000 $395,000 $17,260 2.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $390,000 $195,000 $3,336 3.00%
CLEVELAND, TN (FHA|USDA|VA) 2 $390,000 $195,000 $4,323 3.00%
VISALIA, CA (FHA|USDA|VA) 2 $390,000 $195,000 $9,429 3.00%
TOLEDO, OH (FHA|USDA|VA) 2 $380,000 $190,000 $7,144 3.13%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $375,000 $125,000 $10,598 3.13%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $365,000 $365,000 $14,385 2.63%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $360,000 $180,000 $5,550 2.63%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $360,000 $180,000 $3,859 3.19%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $360,000 $180,000 $4,566 3.25%
GAINESVILLE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $3,197 3.00%
YUMA, AZ (FHA|USDA|VA) 2 $350,000 $175,000 $5,296 2.88%
BURLINGTON, NC (FHA|USDA|VA) 2 $330,000 $165,000 $5,751 3.19%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $325,000 $108,333 $3,633 3.75%
PITTSFIELD, MA (FHA|USDA|VA) 1 $325,000 $325,000 $5,096 3.00%
JACKSON, MS (FHA|USDA|VA) 2 $320,000 $160,000 $6,111 2.75%
GOLDSBORO, NC (FHA|USDA|VA) 2 $320,000 $160,000 $0 3.06%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $315,000 $315,000 $2,615 2.88%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $300,000 $150,000 $2,216 2.75%
LAWTON, OK (FHA|USDA|VA) 1 $295,000 $295,000 $11,298 3.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $290,000 $145,000 $4,910 2.81%
UTICA-ROME, NY (FHA|USDA|VA) 2 $280,000 $140,000 $6,347 3.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $265,000 $265,000 $4,926 2.63%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $265,000 $265,000 $4,018 2.25%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,364 2.63%
ITHACA, NY (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.38%
FLORENCE, SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,297 3.00%
CASPER, WY (FHA|USDA|VA) 1 $255,000 $255,000 $3,789 2.25%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,915 3.75%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $245,000 $245,000 $2,170 3.00%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $245,000 $245,000 $10,571 3.63%
MONROE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $5,452 2.50%
YUBA CITY, CA (FHA|USDA|VA) 1 $235,000 $235,000 $4,456 2.75%
HARRISONBURG, VA (FHA|USDA|VA) 1 $235,000 $235,000 $4,104 2.75%
BECKLEY, WV (FHA|USDA|VA) 1 $235,000 $235,000 $5,721 2.75%
MOBILE, AL (FHA|USDA|VA) 1 $235,000 $235,000 $3,542 2.38%
LAS CRUCES, NM (FHA|USDA|VA) 1 $225,000 $225,000 $3,483 2.50%
DECATUR, AL (FHA|USDA|VA) 1 $225,000 $225,000 $4,678 3.13%
FOND DU LAC, WI (FHA|USDA|VA) 1 $215,000 $215,000 $9,529 2.50%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $215,000 $215,000 $6,147 3.25%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $215,000 $215,000 $2,381 2.75%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $215,000 $215,000 $5,722 3.38%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $215,000 $215,000 $1,802 2.25%
JACKSON, TN (FHA|USDA|VA) 1 $205,000 $205,000 $1,962 2.75%
LAFAYETTE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $8,997 2.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $205,000 $205,000 $3,402 3.25%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $205,000 $205,000 $4,540 2.50%
MONROE, MI (FHA|USDA|VA) 1 $195,000 $195,000 $4,601 2.88%
HAMMOND, LA (FHA|USDA|VA) 1 $195,000 $195,000 $5,736 2.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $185,000 $185,000 $3,003 2.63%
TYLER, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,272 4.25%
MANKATO, MN (FHA|USDA|VA) 1 $185,000 $185,000 $6,670 3.88%
MUSKEGON, MI (FHA|USDA|VA) 1 $185,000 $185,000 $6,838 2.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $175,000 $175,000 $4,904 3.13%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $175,000 $175,000 $8,220 4.00%
CORVALLIS, OR (FHA|USDA|VA) 1 $175,000 $175,000 $11,564 3.13%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $165,000 $165,000 $4,760 2.38%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $165,000 $165,000 $8,788 3.25%
ROME, GA (FHA|USDA|VA) 1 $155,000 $155,000 $8,037 2.88%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,095 2.75%
CHICO, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.00%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $145,000 $145,000 $7,099 2.38%
BINGHAMTON, NY (FHA|USDA|VA) 1 $145,000 $145,000 $4,262 2.88%
FARMINGTON, NM (FHA|USDA|VA) 1 $145,000 $145,000 $2,187 3.13%
DECATUR, IL (FHA|USDA|VA) 1 $145,000 $145,000 $3,290 3.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $135,000 $135,000 $3,928 2.63%
ERIE, PA (FHA|USDA|VA) 1 $135,000 $135,000 $5,092 3.25%
ANN ARBOR, MI (FHA|USDA|VA) 1 $125,000 $125,000 $6,231 3.25%
MANSFIELD, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,630 2.88%
BISMARCK, ND (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.75%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $95,000 $95,000 $4,616 3.75%
LONGVIEW, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,534 2.50%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $4,363 5.13%

First Home Bank's top markets include Tampa, Tacoma, New York, New Brunswick, and North Port among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 4,835 $1,743,065,000 $360,510 $5,517 3.12%
VA 1,143 $339,955,000 $297,423 $5,134 2.82%
FHA 642 $174,730,000 $272,165 $10,701 3.22%
USDA 26 $6,100,000 $234,615 $6,091 2.99%

For the 2020 period, First Home Bank's most frequently originated loan type of loans were Conventional, with 4,835 originations. Their 2nd most popular type is VA, with 1,143 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 3,219 $1,284,945,000 $399,175 $5,017 2.96%
Home Purchase 2,004 $582,680,000 $290,758 $6,879 3.18%
Cash Out Refi 1,419 $395,065,000 $278,411 $6,917 3.19%
Home Improvement 4 $1,160,000 $290,000 $7,363 3.50%

For the 2020, First Home Bank's most frequently cited loan purpose of loans were Refi, with 3,219 originations. The 2nd most popular reason of loans were Home Purchase, with 2,004 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 5,739 $1,674,745,000 $291,818 $6,186 3.12%
15 Year 566 $139,120,000 $245,795 $4,710 2.72%
20 Year 199 $418,695,000 $2,103,995 $5,164 3.00%
Other 99 $24,645,000 $248,939 $4,545 2.87%
10 Year 40 $6,620,000 $165,500 $3,795 3.01%
5 Year 2 $10,000 $5,000 $75 0.00%
3 Year 1 $15,000 $15,000 $160 5.83%

For the 2020, First Home Bank's most frequently cited loan length of loans were 30 Year, with 5,739 originations. The 2nd most popular length of loans were 15 Year, with 566 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 2,231 $640,505,000 $287,093
$<1k 1,302 $343,920,000 $264,147
$5k+ 1,008 $342,500,000 $339,782
$3k-4k 881 $259,365,000 $294,398
$2k-3k 819 $226,165,000 $276,148

$6,186 of loans were First Home Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,231 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 3,136 $920,890,000 $293,651
3-4% 2,492 $719,180,000 $288,596
<2.5% 689 $189,405,000 $274,898
4-5% 281 $427,315,000 $1,520,694
5-6% 45 $5,655,000 $125,667
6-7% 2 $1,290,000 $645,000
Over 8% 1 $115,000 $115,000

During 2020, First Home Bank's average interest rate of loans were 3.12%, while their most frequently originated rate bucket of loans were 2.5-3%, with 3,136 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,581 $1,023,155,000 $285,718 $6,039 3.05%
$100k-200k 1,610 $258,660,000 $160,658 $4,856 3.14%
$400k-600k 1,081 $510,715,000 $472,447 $7,263 3.04%
$100,000 or less 243 $12,875,000 $52,984 $1,925 3.20%
$600k-1MM 120 $83,980,000 $699,833 $12,710 3.30%
$1MM+ 11 $374,465,000 $34,042,273 $22,319 3.50%

2020 saw First Home Bank place emphasis on $200k-400k loans with 3,581 originations, totaling $1,023,155,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 1,420 $335,660,000 $236,380 $4,565 2.95%
$100k-150k 1,413 $448,395,000 $317,335 $6,521 3.12%
$50k-75k 1,380 $308,440,000 $223,507 $6,161 3.15%
$75k-100k 1,150 $311,460,000 $270,835 $6,390 3.09%
$150k-250k 929 $341,815,000 $367,939 $6,288 3.10%
$250k+ 334 $147,500,000 $441,617 $6,983 3.07%

First Home Bank lent most frequently to those with incomes in the $50k or less range, with 1,420 originations. The second most popular income band? $100k-150k, with 1,413 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,232 $346,540,000 $281,282 $5,441 3.03%
30-36% 1,042 $296,520,000 $284,568 $5,833 3.11%
<20% 448 $126,380,000 $282,098 $4,920 2.95%
44% 301 $87,895,000 $292,010 $7,088 3.26%
49% 253 $76,005,000 $300,415 $8,115 3.07%
43% 249 $68,195,000 $273,876 $6,389 3.18%
42% 248 $70,760,000 $285,323 $6,563 3.14%
38% 217 $62,975,000 $290,207 $6,342 3.18%
41% 214 $60,830,000 $284,252 $7,058 3.14%
40% 208 $55,800,000 $268,269 $6,450 3.15%
45% 207 $60,785,000 $293,647 $6,682 3.11%
39% 201 $59,095,000 $294,005 $6,476 3.20%
37% 199 $60,875,000 $305,905 $6,794 3.15%
48% 188 $55,890,000 $297,287 $7,524 3.14%
36% 163 $45,825,000 $281,135 $6,371 3.16%
47% 159 $45,175,000 $284,119 $7,231 3.16%
50-60% 145 $37,965,000 $261,828 $10,066 3.67%
46% 144 $44,620,000 $309,861 $7,066 3.15%
>60% 2 $340,000 $170,000 $5,056 2.75%

First Home Bank lent most frequently to those with DTI ratios of 20-30%, with 1,232 originations. The next most common DTI ratio? 30-36%, with 1,042 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 5,207 $1,480,235,000 $284,278 $5,867 3.08%
Not applicable 13 $367,365,000 $28,258,846 $0 4.11%
Not provided 569 $162,255,000 $285,158 $5,844 3.00%
Black 555 $157,375,000 $283,559 $7,104 3.17%
Asian 230 $73,890,000 $321,261 $6,289 2.99%
Native Hawaiian 30 $9,980,000 $332,667 $7,549 2.92%
American Indian 33 $9,665,000 $292,879 $5,237 3.01%
Asian Indian 5 $1,545,000 $309,000 $4,158 2.80%
Filipino 2 $710,000 $355,000 $6,097 3.00%
Japanese 1 $485,000 $485,000 $2,048 3.00%
Chinese 1 $345,000 $345,000 $2,078 2.88%

Approval Rates

Total approvals of all applications
89.80%

First Home Bank has an average approval rate.

Pick Rate

Approvals leading to origination
63.76%

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 6,646 $2,263,850,000 $340,633

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 8 $5,770,000 $721,250
Single Family (1-4 Units):Manufactured 7 $1,935,000 $276,429
Single Family (1-4 Units):Site-Built 6,631 $2,256,145,000 $340,242

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 277 $68,535,000 $247,419 $5,004 2.99%
40-60% 1,071 $301,475,000 $281,489 $5,145 2.94%
60-80% 2,483 $720,145,000 $290,030 $5,837 3.13%
80-100% 2,575 $770,205,000 $299,109 $6,670 3.10%
Over 100% 116 $397,550,000 $3,427,155 $8,095 3.04%
Under 20% 123 $5,495,000 $44,675 $1,006 2.97%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
First Home Bank 2033 Main Street, Suite 101 Sarasota, FL 34237 Full Service B&M $83,040
First Home Bank 700 Central Ave Saint Petersburg, FL 33701 Full Service B&M $276,842
First Home Bank 9190 Seminole Blvd Seminole, FL 33772 Full Service B&M $115,552
First Home Bank 2520 Countryside Boulevard Clearwater, FL 33763 Full Service B&M $49,310
First Home Bank 2700 North Macdill Avenue, Suite 111 Tampa, FL 33607 Full Service B&M $4,301
First Home Bank 5250 Park Boulevard Pinellas Park, FL 33781 Full Service B&M $48,234

For 2020, First Home Bank had 6 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $43,731
Net interest income $34,049
Total noninterest income $97,695
Gross Fiduciary activities income $0
Service charges on deposit accounts $455
Trading account gains and fees $0
Additional Noninterest Income $97,240
Pre-tax net operating income $16,772
Securities gains (or losses, -) $0
Income before extraordinary items $13,398
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $13,398
Minority interest net income $0
Net income $13,398
Sale, conversion, retirement of capital stock, net $417
Net operating income $13,398

First Home Bank's gross interest income from loans was $43,731,000.
First Home Bank's net interest income from loans was $34,049,000.
First Home Bank's fee based income from loans was $455,000.
First Home Bank's net income from loans was $13,398,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $9,682
Provision for credit losses $16,900
Total noninterest expense $98,072
Salaries and employee benefits $70,373
Premises and equipment expense $4,398
Additional noninterest expense $23,301
Applicable income taxes $3,374
Net charge-offs $6,480
Cash dividends $0

First Home Bank's interest expense for loans was $9,682,000.
First Home Bank's payroll and benefits expense were $70,373,000.
First Home Bank's property, plant and equipment expenses $4,398,000.

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 1.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
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 $561,222
Deposits held in domestic offices $561,222
Deposits by Individuals, partnerships, and corporations $523,188
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $12,593
Deposits by Commercial banks and other depository institutions in U.S. $25,441
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $205,353
Demand deposits $110,156
Nontransaction accounts $355,869
Money market deposit accounts (MMDAs) $274,421
Other savings deposits (excluding MMDAs) $12,323
Total time deposits $69,125
Total time and savings deposits $451,066
Noninterest-bearing deposits $65,088
Interest-bearing deposits $496,134
Retail deposits $540,745
IRAs and Keogh plan accounts $2,126
Brokered deposits $4,277
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $1,544,574
Cash & Balances due from depository institutions $57,760
Interest-bearing balances $54,970
Total securities $41
Federal funds sold & reverse repurchase $0
Net loans and leases $1,415,801
Loan and leases loss allowance $21,162
Trading account assets $0
Bank premises and fixed assets $21,852
Other real estate owned $0
Goodwill and other intangibles $8,259
All other assets $40,861

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $1,544,574
Total Liabilities $1,466,164
Total deposits $561,222
Interest-bearing deposits $496,134
Deposits held in domestic offices $561,222
% insured (estimated) $65
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $881,262
Subordinated debt $0
All other liabilities $23,680

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,415,801
Loan and leases loss allowance $21,162
Total loans and leases (domestic) $1,436,963
All real estate loans $405,012
Real estate loans in domestic offices $405,012
Construction and development loans $17,932
Residential 1-4 family construction $2,801
Other construction, all land development and other land $15,131
Loans secured by nonfarm nonresidential properties $115,062
Nonfarm nonresidential secured by owner-occupied properties $79,993
Commercial real estate & other non-farm, non-residential $35,069
Multifamily residential real estate $884
1-4 family residential loans $270,792
Farmland loans $342
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $1,029,046
To non-U.S. addressees $0
Loans to individuals $2,868
Credit card loans $0
Related Plans $366
Consumer Auto Loans $417
Other loans to individuals $2,085
All other loans & leases $37
Loans to foreign governments and official institutions $0
Other loans $37
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

First Home Bank had $1,415,801,000 of loans outstanding in 2020. $405,012,000 of loans were in real estate loans. $17,932,000 of loans were in development loans. $884,000 of loans were in multifamily mortgage loans. $270,792,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $417,000 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 156 $37,337 $239,340
Nonfarm, nonresidential loans - <$100k 8 $237 $29,625
Nonfarm, nonresidential loans - $100-250k 47 $5,295 $112,660
Nonfarm, nonresidential loans - $250k-1MM 101 $31,805 $314,901
Commercial & Industrial, US addressed loans - <$1MM 12,344 $762,644 $61,783
Commercial & Industrial, US addressed loans - <$100k 7,840 $196,367 $25,047
Commercial & Industrial, US addressed loans - $100-250k 2,562 $218,296 $85,205
Commercial & Industrial, US addressed loans - $250k-1MM 1,942 $347,981 $179,187
Farmland loans - <$1MM 1 $342 $342,000
Farmland loans - $250k-1MM 1 $342 $342,000