First Home Bank Mortgage Rates, Fees & Info
Saint Petersburg, FLLEI: 549300DMI3W6YLDVSK93
Tax ID: 59-3526917
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Bank Data
Review & Overview
First Home Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi 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, North Port, Tampa, Washington, and Baltimore among others. We have data for 316 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 an average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.44% | 4/21/24 |
| 30 Year Conventional Refi | 6.36% | 4/21/24 |
| 30 Year Cash-out Refi | 6.56% | 4/21/24 |
| 30 Year FHA Purchase | 7.14% | 4/21/24 |
| 30 Year FHA Refi | 6.32% | 4/21/24 |
| 30 Year VA Purchase | 6.15% | 4/21/24 |
| 30 Year VA Refi | 3.11% | 4/21/24 |
| 30 Year USDA Purchase | 6.25% | 4/21/24 |
| 15 Year Conventional Purchase | 6.05% | 4/21/24 |
| 15 Year Conventional Refi | 6.22% | 4/21/24 |
| 15 Year Cash-out Refi | 6.22% | 4/21/24 |
| 15 Year FHA Purchase | 4.48% | 4/21/24 |
| 15 Year FHA Refi | 5.68% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,548Origination Dollar Volume (All Markets)
$737,940,000Employee count
423Awards
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First Home Bank - 2019
First Home Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 495 | $178,845,000 | $361,303 | $8,155 | 4.29% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 154 | $53,880,000 | $349,870 | $4,584 | 4.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 175 | $48,095,000 | $274,829 | $5,547 | 4.35% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 82 | $27,510,000 | $335,488 | $9,428 | 4.26% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 91 | $24,325,000 | $267,308 | $7,248 | 4.21% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 84 | $18,630,000 | $221,786 | $5,817 | 4.24% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 45 | $16,485,000 | $366,333 | $8,731 | 3.99% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 50 | $12,930,000 | $258,600 | $8,362 | 3.91% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 41 | $12,405,000 | $302,561 | $8,056 | 4.28% |
| Outside of Metro Areas | 52 | $12,050,000 | $231,731 | $6,450 | 3.84% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 44 | $11,030,000 | $250,682 | $7,847 | 4.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 41 | $9,955,000 | $242,805 | $8,249 | 4.19% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 31 | $9,485,000 | $305,968 | $7,739 | 3.69% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 46 | $9,260,000 | $201,304 | $5,174 | 3.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 35 | $9,045,000 | $258,429 | $7,495 | 3.99% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 48 | $8,720,000 | $181,667 | $5,900 | 4.78% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 22 | $7,280,000 | $330,909 | $8,466 | 3.86% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 12 | $6,680,000 | $556,667 | $10,574 | 4.09% |
| BOISE CITY, ID (FHA|USDA|VA) | 26 | $6,600,000 | $253,846 | $5,700 | 3.93% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 26 | $5,860,000 | $225,385 | $5,761 | 3.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 20 | $5,770,000 | $288,500 | $8,788 | 3.76% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 15 | $5,075,000 | $338,333 | $9,539 | 3.78% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 18 | $5,070,000 | $281,667 | $6,679 | 4.40% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 17 | $4,965,000 | $292,059 | $6,170 | 3.55% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 16 | $4,930,000 | $308,125 | $9,832 | 3.59% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 13 | $4,805,000 | $369,615 | $5,191 | 3.61% |
| COLUMBUS, OH (FHA|USDA|VA) | 20 | $4,770,000 | $238,500 | $6,812 | 4.46% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 11 | $4,755,000 | $432,273 | $15,212 | 3.77% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 16 | $4,730,000 | $295,625 | $6,661 | 3.73% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 18 | $4,640,000 | $257,778 | $7,736 | 4.20% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 22 | $4,450,000 | $202,273 | $4,928 | 4.39% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 8 | $4,160,000 | $520,000 | $6,666 | 3.72% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 17 | $4,055,000 | $238,529 | $4,468 | 3.91% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 13 | $3,705,000 | $285,000 | $4,182 | 3.74% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 14 | $3,590,000 | $256,429 | $6,571 | 3.97% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 16 | $3,360,000 | $210,000 | $7,407 | 4.05% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 10 | $3,190,000 | $319,000 | $7,576 | 3.90% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 11 | $2,905,000 | $264,091 | $6,902 | 4.22% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 12 | $2,900,000 | $241,667 | $4,038 | 3.78% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 14 | $2,880,000 | $205,714 | $6,424 | 3.99% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 10 | $2,870,000 | $287,000 | $6,601 | 3.85% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $2,855,000 | $317,222 | $6,921 | 3.93% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 12 | $2,810,000 | $234,167 | $5,867 | 4.14% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $2,805,000 | $255,000 | $6,759 | 4.20% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $2,750,000 | $458,333 | $6,695 | 3.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $2,690,000 | $269,000 | $7,653 | 4.09% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $2,520,000 | $315,000 | $9,225 | 4.05% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $2,475,000 | $353,571 | $5,003 | 3.68% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $5,633 | 3.92% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $2,205,000 | $315,000 | $5,450 | 4.09% |
| COLUMBIA, SC (FHA|USDA|VA) | 9 | $2,055,000 | $228,333 | $6,110 | 3.76% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $8,346 | 4.36% |
| PITTSBURGH, PA (FHA|USDA|VA) | 8 | $1,900,000 | $237,500 | $5,425 | 3.78% |
| RENO, NV (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $3,657 | 4.03% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $5,852 | 3.85% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $1,805,000 | $200,556 | $9,185 | 3.53% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 7 | $1,805,000 | $257,857 | $4,389 | 4.54% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $1,750,000 | $218,750 | $6,682 | 4.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 8 | $1,620,000 | $202,500 | $6,931 | 4.48% |
| OCALA, FL (FHA|USDA|VA) | 10 | $1,590,000 | $159,000 | $4,701 | 4.51% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $11,719 | 3.98% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $3,554 | 4.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $4,626 | 3.95% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $12,421 | 3.78% |
| THE VILLAGES, FL (FHA|USDA|VA) | 9 | $1,455,000 | $161,667 | $4,252 | 4.51% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 7 | $1,445,000 | $206,429 | $4,386 | 4.16% |
| TULSA, OK (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $5,761 | 3.84% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $26,106 | 4.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $10,352 | 4.03% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 8 | $1,350,000 | $168,750 | $4,237 | 4.72% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $8,217 | 3.43% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $4,844 | 4.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $8,308 | 3.81% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $2,748 | 4.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $6,739 | 3.53% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $6,136 | 3.50% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $9,006 | 3.58% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $6,664 | 3.84% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $8,049 | 3.97% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $9,228 | 3.75% |
| DOVER, DE (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $7,353 | 3.78% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $4,593 | 3.98% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,839 | 3.69% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $7,978 | 4.18% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $4,436 | 3.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $7,917 | 4.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $7,036 | 3.58% |
| ROCHESTER, NY (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $9,711 | 4.48% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $9,063 | 3.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $5,835 | 3.81% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $4,700 | 3.94% |
| Pahrump, NV (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $7,465 | 3.78% |
| AKRON, OH (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $7,586 | 3.38% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $2,442 | 3.81% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $2,398 | 3.83% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $12,457 | 4.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $3,439 | 4.47% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $5,589 | 3.69% |
| EL PASO, TX (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $4,486 | 4.60% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $5,720 | 3.83% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $0 | 3.88% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,028 | 3.79% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $0 | 3.58% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $0 | 3.31% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $9,121 | 3.81% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $5,774 | 4.03% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,212 | 4.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $3,138 | 4.22% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $6,703 | 4.47% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,988 | 4.38% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $3,641 | 4.04% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $7,100 | 4.04% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $12,940 | 3.78% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $11,128 | 4.04% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $15,857 | 4.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,443 | 3.79% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,990 | 3.63% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,580 | 4.25% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $6,170 | 3.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $12,585 | 4.31% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 3.44% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $4,695 | 3.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $3,412 | 4.47% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $9,031 | 3.50% |
| Key West, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $13,553 | 4.19% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $3,340 | 4.38% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $9,836 | 3.63% |
| NAPA, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $17,355 | 4.38% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $0 | 3.38% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,896 | 3.69% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $12,272 | 4.00% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 3.75% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,628 | 3.63% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $25,155 | 4.13% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 3.38% |
| MONROE, LA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,264 | 3.56% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,553 | 4.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $6,036 | 3.92% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,616 | 3.94% |
| Elko, NV (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $13,419 | 4.44% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $9,195 | 4.63% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $18,644 | 4.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $7,461 | 3.83% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,469 | 3.63% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,305 | 3.88% |
| Outside of Metro Areas | 2 | $490,000 | $245,000 | $13,359 | 3.50% |
| Starkville, MS (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $9,099 | 4.38% |
| Moscow, ID (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 2.81% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $12,653 | 3.88% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $13,740 | 4.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 3.75% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,448 | 3.75% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,821 | 3.75% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,958 | 4.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,216 | 4.19% |
| Astoria, OR (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,519 | 4.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,206 | 5.00% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 3.25% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $9,846 | 4.31% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,799 | 3.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,321 | 4.31% |
| Russellville, AR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 3.50% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,300 | 3.88% |
| MADISON, WI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,585 | 4.19% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,952 | 3.19% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $15,174 | 3.88% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,725 | 4.00% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,708 | 4.50% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,791 | 3.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 3.38% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $18,852 | 3.63% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,655 | 4.81% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 3.69% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $12,452 | 4.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $14,181 | 3.63% |
| Brevard, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,675 | 3.50% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,541 | 3.88% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $15,041 | 4.00% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $15,000 | 4.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 2.88% |
| Mountain Home, AR (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,765 | 3.50% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $10,248 | 4.00% |
| Payson, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,299 | 3.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,507 | 4.31% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $11,869 | 3.81% |
| Concord, NH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,204 | 5.00% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,149 | 3.88% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 4.00% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,562 | 3.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,384 | 4.63% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,498 | 4.44% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,009 | 4.75% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,483 | 3.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,563 | 3.94% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 3.25% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 3.38% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,076 | 3.25% |
| Danville, KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 3.38% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 3.25% |
| Price, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 4.00% |
| Hudson, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $20,961 | 3.50% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,577 | 3.38% |
| Angola, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,035 | 3.63% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,029 | 4.69% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 3.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $15,581 | 3.25% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,419 | 4.13% |
| Bonham, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,534 | 3.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,841 | 3.50% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,052 | 4.00% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,965 | 5.13% |
| Alice, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,854 | 4.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 3.38% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,223 | 3.50% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,910 | 3.38% |
| Shelton, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.25% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,427 | 3.88% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.13% |
| Athens, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,057 | 3.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,331 | 3.63% |
| TYLER, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,046 | 3.25% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,154 | 3.88% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,655 | 3.63% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,113 | 4.81% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,257 | 4.38% |
| Seymour, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.88% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,176 | 3.25% |
| Elkins, WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,026 | 3.63% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,952 | 3.88% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 3.25% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $871 | 3.75% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.13% |
| Branson, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,002 | 3.88% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,218 | 4.25% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,968 | 3.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,072 | 4.31% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,436 | 3.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,095 | 4.63% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,313 | 3.63% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.13% |
| Washington, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $13,028 | 4.63% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 2.88% |
| Mason City, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,071 | 3.75% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,587 | 3.88% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.63% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,081 | 3.75% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.25% |
| Ketchikan, AK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,616 | 6.00% |
| Easton, MD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.63% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,316 | 4.00% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 3.38% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 3.50% |
| Newberry, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 3.38% |
| Fernley, NV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,086 | 3.88% |
| Fallon, NV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,225 | 4.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,590 | 4.63% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,738 | 3.75% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,299 | 3.63% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,384 | 3.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,777 | 3.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,177 | 3.63% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,881 | 3.88% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,370 | 4.00% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,612 | 3.38% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.00% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,151 | 4.13% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.50% |
| Jasper, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,825 | 4.25% |
| Logansport, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.38% |
| SALEM, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.25% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.00% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.50% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,377 | 3.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.75% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.25% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,085 | 4.75% |
| Burley, ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,087 | 4.38% |
| McPherson, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,025 | 3.50% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.63% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,371 | 3.38% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,351 | 3.63% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,750 | 4.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,867 | 4.38% |
| Clovis, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,089 | 4.00% |
| Auburn, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,307 | 4.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,108 | 4.50% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.13% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,631 | 4.63% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,919 | 5.00% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.50% |
| AMES, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.13% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,416 | 5.13% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,715 | 3.50% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.13% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,807 | 3.88% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,453 | 5.13% |
| Bennington, VT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,497 | 4.13% |
| Clinton, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 3.50% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,410 | 4.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,612 | 4.88% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.63% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,017 | 3.88% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,255 | 5.25% |
| Greenville, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.75% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.75% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,746 | 3.50% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,598 | 3.88% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,362 | 3.75% |
| Celina, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,394 | 3.63% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,548 | 5.25% |
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Product Mix
For 2019, First Home Bank's most frequently originated type of loan was Conventional, with 1,218 originations. Their 2nd most popular type was VA, with 863 originations.
Loan Reason
For 2019, First Home Bank's most frequently cited loan purpose was Home Purchase, with 1,159 originations. The 2nd most popular reason was Refi, with 838 originations.
Loan Duration/Length
For 2019, First Home Bank's most frequently cited loan duration was 30 Year, with 2,397 originations. The 2nd most popular length was 15 Year, with 91 originations.
Origination Fees/Closing Costs
First Home Bank's average total fees were $6,983, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 556 originations.
Interest Rates
During 2019, First Home Bank's average interest rate for loans was 4.12%, while their most frequently originated rate bucket for loans was 3-4%, with 1,355 originations.
Loan Sizing
2019 saw First Home Bank place emphasis on $200k-400k loans with 1,373 originations, totaling $388,855,000 in origination value.
Applicant Income
First Home Bank lent most frequently to those with incomes in the $50k or less range, with 650 originations. The second most popular income band? $50k-75k, with 567 originations.
Applicant Debt to Income Ratio
First Home Bank lent most frequently to those with DTI ratios of 30-36%, with 301 originations. The next most common DTI ratio? 20-30%, with 295 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.04%
First Home Bank has an average approval rate.
Pick Rate
Approvals leading to origination51.81%
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 | 2,548 | $737,940,000 | $289,615 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 2,548 | $737,940,000 | $289,615 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST HORIZON BANK | FHA mortgage | Struggling to pay mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | VA mortgage | Closing on a mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | Conventional home mortgage | Struggling to pay mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | Conventional home mortgage | Trouble during payment process | 4 | 26.7% |
| FIRST HORIZON BANK | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | Other type of mortgage | Trouble during payment process | 1 | 6.7% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Trouble during payment process | 3 | 20.0% |
| FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 6.7% |
| FIRST HORIZON BANK | FHA mortgage | Trouble during payment process | 2 | 13.3% |
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 | $53,765 |
| First Home Bank | 2520 Countryside Boulevard Clearwater, FL 33763 | Full Service B&M | $44,442 |
| First Home Bank | 5250 Park Boulevard Pinellas Park, FL 33781 | Full Service B&M | $32,827 |
| First Home Bank | 700 Central Ave Saint Petersburg, FL 33701 | Full Service B&M | $157,577 |
| First Home Bank | 9190 Seminole Blvd Seminole, FL 33772 | Full Service B&M | $98,184 |
For 2019, First Home Bank had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $25,701 |
| Net interest income | $18,135 |
| Total noninterest income | $53,180 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $438 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $52,742 |
| Pre-tax net operating income | $7,599 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $5,467 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,467 |
| Minority interest net income | $0 |
| Net income | $5,467 |
| Sale, conversion, retirement of capital stock, net | $245 |
| Net operating income | $5,467 |
First Home Bank's gross interest income from loans was $25,701,000.
First Home Bank's net interest income from loans was $18,135,000.
First Home Bank's fee based income from loans was $438,000.
First Home Bank's net income from loans was $5,467,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $7,566 |
| Provision for credit losses | $8,850 |
| Total noninterest expense | $54,866 |
| Salaries and employee benefits | $36,867 |
| Premises and equipment expense | $3,356 |
| Additional noninterest expense | $14,643 |
| Applicable income taxes | $2,132 |
| Net charge-offs | $4,583 |
| Cash dividends | $0 |
First Home Bank's interest expense for loans was $7,566,000.
First Home Bank's payroll and benefits expense were $36,867,000.
First Home Bank's property, plant and equipment expenses $3,356,000.
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 | 1.0% |
| 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 | $450,370 |
| Deposits held in domestic offices | $450,370 |
| Deposits by Individuals, partnerships, and corporations | $393,376 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $6,528 |
| Deposits by Commercial banks and other depository institutions in U.S. | $50,466 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $123,935 |
| Demand deposits | $77,627 |
| Nontransaction accounts | $326,435 |
| Money market deposit accounts (MMDAs) | $174,517 |
| Other savings deposits (excluding MMDAs) | $10,875 |
| Total time deposits | $141,044 |
| Total time and savings deposits | $372,743 |
| Noninterest-bearing deposits | $52,801 |
| Interest-bearing deposits | $397,569 |
| Retail deposits | $424,813 |
| IRAs and Keogh plan accounts | $1,640 |
| Brokered deposits | $6,822 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $531,151 |
| Cash & Balances due from depository institutions | $112,961 |
| Interest-bearing balances | $109,881 |
| Total securities | $43 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $379,765 |
| Loan and leases loss allowance | $10,742 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $19,326 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $11,392 |
| All other assets | $7,664 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $531,151 |
| Total Liabilities | $471,056 |
| Total deposits | $450,370 |
| Interest-bearing deposits | $397,569 |
| Deposits held in domestic offices | $450,370 |
| % insured (estimated) | $77 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $10,000 |
| Subordinated debt | $981 |
| All other liabilities | $9,705 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $379,765 |
| Loan and leases loss allowance | $10,742 |
| Total loans and leases (domestic) | $390,507 |
| All real estate loans | $220,834 |
| Real estate loans in domestic offices | $220,834 |
| Construction and development loans | $23,578 |
| Residential 1-4 family construction | $4,422 |
| Other construction, all land development and other land | $19,156 |
| Loans secured by nonfarm nonresidential properties | $67,961 |
| Nonfarm nonresidential secured by owner-occupied properties | $40,517 |
| Commercial real estate & other non-farm, non-residential | $27,444 |
| Multifamily residential real estate | $1,296 |
| 1-4 family residential loans | $127,647 |
| Farmland loans | $352 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $168,550 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $1,038 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $119 |
| Other loans to individuals | $919 |
| All other loans & leases | $86 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $86 |
| 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 | $514 |
| Non 1-4 family restructured loans & leases | $514 |
| Total loans and leases (foreign) | $0 |
First Home Bank had $379,765,000 of loans outstanding in 2019. $220,834,000 of loans were in real estate loans. $23,578,000 of loans were in development loans. $1,296,000 of loans were in multifamily mortgage loans. $127,647,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $119,000 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 | 143 | $30,875 | $215,909 |
| Nonfarm, nonresidential loans - <$100k | 9 | $376 | $41,778 |
| Nonfarm, nonresidential loans - $100-250k | 34 | $3,192 | $93,882 |
| Nonfarm, nonresidential loans - $250k-1MM | 100 | $27,307 | $273,070 |
| Commercial & Industrial, US addressed loans - <$1MM | 3,580 | $131,710 | $36,791 |
| Commercial & Industrial, US addressed loans - <$100k | 747 | $8,244 | $11,036 |
| Commercial & Industrial, US addressed loans - $100-250k | 1,448 | $41,380 | $28,577 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1,385 | $82,086 | $59,268 |
| Farmland loans - <$1MM | 1 | $352 | $352,000 |
| Farmland loans - $250k-1MM | 1 | $352 | $352,000 |