First Home Bank Mortgage Rates, Fees & Info

Saint Petersburg, FL

LEI: 549300DMI3W6YLDVSK93

Tax ID: 59-3526917

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Mortgage Data

Bank Data

Review & 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 by origination volume include: Tampa, New York, Seattle, North Port, and Houston among others. We have data for 433 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Home Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. 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






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

6,646

Origination Dollar Volume (All Markets)

$2,263,850,000

Employee count

596 Show all (35) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 208 $417,250,000 $2,006,010 $4,952 3.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 837 $302,745,000 $361,703 $7,634 3.21%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 565 $185,675,000 $328,628 $5,663 2.95%
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) 195 $61,945,000 $317,667 $7,552 3.08%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 137 $54,375,000 $396,898 $4,025 2.81%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 153 $37,375,000 $244,281 $5,708 3.23%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 105 $26,525,000 $252,619 $7,079 3.24%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 75 $24,985,000 $333,133 $7,459 3.09%
Outside of Metro Areas 106 $24,090,000 $227,264 $5,489 3.02%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 97 $23,935,000 $246,753 $5,958 3.02%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 86 $23,470,000 $272,907 $5,931 2.96%
RALEIGH-CARY, NC (FHA|USDA|VA) 78 $22,030,000 $282,436 $5,252 3.03%
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%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 84 $18,510,000 $220,357 $4,836 3.02%
PROVO-OREM, UT (FHA|USDA|VA) 72 $18,330,000 $254,583 $5,697 3.23%
SALISBURY, MD-DE (FHA|USDA|VA) 62 $16,790,000 $270,806 $4,993 2.84%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 44 $16,730,000 $380,227 $10,717 3.12%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 59 $16,025,000 $271,610 $5,784 3.10%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 86 $14,860,000 $172,791 $5,245 3.13%
Moscow, ID (FHA|USDA|VA) 61 $14,735,000 $241,557 $5,280 3.05%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 44 $12,400,000 $281,818 $4,647 2.95%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 50 $11,320,000 $226,400 $4,896 3.20%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 26 $10,580,000 $406,923 $9,604 2.89%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 43 $10,545,000 $245,233 $7,247 3.19%
JACKSONVILLE, FL (FHA|USDA|VA) 32 $9,400,000 $293,750 $4,962 2.99%
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%
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%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 28 $7,570,000 $270,357 $8,007 3.07%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 29 $7,135,000 $246,034 $7,079 3.40%
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%
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%
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%
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, KY (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%
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%
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%
Outside of Metro Areas 7 $2,595,000 $370,714 $10,910 2.64%
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%
MODESTO, CA (FHA|USDA|VA) 8 $2,180,000 $272,500 $5,050 3.09%
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%
Hilo, HI (FHA|USDA|VA) 5 $2,005,000 $401,000 $8,342 3.30%
SAVANNAH, GA (FHA|USDA|VA) 10 $1,980,000 $198,000 $4,431 2.78%
Centralia, WA (FHA|USDA|VA) 9 $1,965,000 $218,333 $5,065 2.18%
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%
Kapaa, HI (FHA|USDA|VA) 3 $1,895,000 $631,667 $23,654 2.92%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 9 $1,875,000 $208,333 $4,135 2.74%
Sevierville, TN (FHA|USDA|VA) 7 $1,835,000 $262,143 $4,798 3.04%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 5 $1,835,000 $367,000 $10,348 2.88%
Aberdeen, WA (FHA|USDA|VA) 12 $1,820,000 $151,667 $4,198 2.86%
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%
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%
Seneca, SC (FHA|USDA|VA) 7 $1,525,000 $217,857 $3,748 2.84%
Russellville, AR (FHA|USDA|VA) 5 $1,505,000 $301,000 $2,778 3.03%
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%
Ontario, OR-ID (FHA|USDA|VA) 7 $1,445,000 $206,429 $5,846 3.21%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $1,440,000 $240,000 $4,561 2.92%
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%
BILLINGS, MT (FHA|USDA|VA) 6 $1,380,000 $230,000 $5,100 2.79%
FRESNO, CA (FHA|USDA|VA) 8 $1,380,000 $172,500 $8,863 3.11%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,370,000 $228,333 $4,858 2.98%
Heber, UT (FHA|USDA|VA) 3 $1,365,000 $455,000 $4,689 2.75%
EAST STROUDSBURG, PA (FHA|USDA|VA) 6 $1,350,000 $225,000 $6,185 2.90%
Shelton, WA (FHA|USDA|VA) 5 $1,345,000 $269,000 $7,373 3.00%
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%
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%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,731 3.00%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,265,000 $253,000 $4,359 3.18%
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%
Cullowhee, NC (FHA|USDA|VA) 3 $1,165,000 $388,333 $3,196 3.08%
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%
Granbury, TX (FHA|USDA|VA) 4 $1,110,000 $277,500 $7,091 2.84%
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%
Fallon, NV (FHA|USDA|VA) 4 $1,050,000 $262,500 $4,195 2.88%
PEORIA, IL (FHA|USDA|VA) 5 $1,045,000 $209,000 $4,607 2.83%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $1,035,000 $345,000 $4,099 3.04%
Payson, AZ (FHA|USDA|VA) 3 $1,025,000 $341,667 $7,736 3.13%
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%
Torrington, CT (FHA|USDA|VA) 4 $880,000 $220,000 $4,135 2.75%
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%
Fernley, NV (FHA|USDA|VA) 3 $855,000 $285,000 $1,444 3.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $855,000 $285,000 $8,255 3.46%
Morehead City, NC (FHA|USDA|VA) 3 $845,000 $281,667 $4,097 3.17%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $830,000 $415,000 $7,074 2.44%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $830,000 $207,500 $5,735 2.97%
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%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $825,000 $825,000 $10,692 3.25%
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%
THE VILLAGES, FL (FHA|USDA|VA) 4 $790,000 $197,500 $6,105 3.06%
Hailey, ID (FHA|USDA|VA) 2 $790,000 $395,000 $4,631 3.13%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $790,000 $197,500 $3,368 3.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $780,000 $195,000 $5,586 3.06%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $775,000 $258,333 $8,957 3.46%
MERCED, CA (FHA|USDA|VA) 3 $775,000 $258,333 $9,306 3.25%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $775,000 $258,333 $3,365 2.75%
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%
Kalispell, MT (FHA|USDA|VA) 2 $740,000 $370,000 $4,088 3.00%
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%
Elko, NV (FHA|USDA|VA) 3 $705,000 $235,000 $6,205 2.79%
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%
GLENS FALLS, NY (FHA|USDA|VA) 3 $685,000 $228,333 $3,556 3.08%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $685,000 $228,333 $5,479 3.13%
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%
Pahrump, NV (FHA|USDA|VA) 2 $660,000 $330,000 $11,947 3.00%
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%
DULUTH, MN-WI (FHA|USDA|VA) 3 $595,000 $198,333 $2,170 3.25%
AKRON, OH (FHA|USDA|VA) 3 $595,000 $198,333 $4,916 3.00%
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%
Blackfoot, ID (FHA|USDA|VA) 2 $560,000 $280,000 $4,922 3.19%
Key West, FL (FHA|USDA|VA) 1 $555,000 $555,000 $6,255 3.00%
LAREDO, TX (FHA|USDA|VA) 2 $550,000 $275,000 $11,689 2.69%
Juneau, AK (FHA|USDA|VA) 1 $545,000 $545,000 $8,417 2.63%
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%
Dayton, TN (FHA|USDA|VA) 1 $515,000 $515,000 $8,406 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%
TOPEKA, KS (FHA|USDA|VA) 2 $500,000 $250,000 $2,967 2.88%
CARSON CITY, NV (FHA|USDA|VA) 2 $500,000 $250,000 $5,001 3.13%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $495,000 $165,000 $5,199 3.25%
FLINT, MI (FHA|USDA|VA) 3 $495,000 $165,000 $4,709 2.92%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $495,000 $165,000 $7,845 4.00%
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%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $470,000 $235,000 $4,941 3.00%
Branson, MO (FHA|USDA|VA) 2 $470,000 $235,000 $1,611 2.75%
Alamogordo, NM (FHA|USDA|VA) 2 $460,000 $230,000 $7,321 2.44%
SALEM, OR (FHA|USDA|VA) 2 $460,000 $230,000 $8,869 2.69%
KINGSTON, NY (FHA|USDA|VA) 2 $460,000 $230,000 $8,281 2.50%
MEDFORD, OR (FHA|USDA|VA) 2 $460,000 $230,000 $3,943 2.81%
Enterprise, AL (FHA|USDA|VA) 1 $455,000 $455,000 $1,109 2.75%
Fort Payne, AL (FHA|USDA|VA) 2 $450,000 $225,000 $3,860 2.94%
Gainesville, TX (FHA|USDA|VA) 1 $445,000 $445,000 $4,591 2.63%
Pullman, WA (FHA|USDA|VA) 3 $445,000 $148,333 $4,133 2.00%
Bozeman, MT (FHA|USDA|VA) 2 $440,000 $220,000 $5,953 2.88%
Los Alamos, NM (FHA|USDA|VA) 1 $435,000 $435,000 $17,901 3.63%
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%
REDDING, CA (FHA|USDA|VA) 2 $430,000 $215,000 $6,767 2.69%
GRANTS PASS, OR (FHA|USDA|VA) 2 $430,000 $215,000 $4,317 3.00%
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%
MANHATTAN, KS (FHA|USDA|VA) 2 $400,000 $200,000 $6,077 2.50%
Henderson, NC (FHA|USDA|VA) 2 $400,000 $200,000 $5,242 2.81%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $400,000 $200,000 $9,061 3.56%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $395,000 $395,000 $4,026 2.75%
GAINESVILLE, GA (FHA|USDA|VA) 1 $395,000 $395,000 $17,260 2.75%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $395,000 $395,000 $1,512 2.88%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $390,000 $195,000 $3,336 3.00%
VISALIA, CA (FHA|USDA|VA) 2 $390,000 $195,000 $9,429 3.00%
CLEVELAND, TN (FHA|USDA|VA) 2 $390,000 $195,000 $4,323 3.00%
Mason City, IA (FHA|USDA|VA) 2 $390,000 $195,000 $3,818 2.88%
Lebanon, NH-VT (FHA|USDA|VA) 2 $380,000 $190,000 $6,902 2.63%
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%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $360,000 $180,000 $4,566 3.25%
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%
Cullman, AL (FHA|USDA|VA) 2 $360,000 $180,000 $1,749 2.94%
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%
Traverse City, MI (FHA|USDA|VA) 2 $350,000 $175,000 $2,249 3.13%
Fort Leonard Wood, MO (FHA|USDA|VA) 2 $350,000 $175,000 $2,092 2.50%
Newport, OR (FHA|USDA|VA) 1 $345,000 $345,000 $7,030 2.75%
Laramie, WY (FHA|USDA|VA) 1 $345,000 $345,000 $11,766 2.25%
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%
El Campo, TX (FHA|USDA|VA) 1 $325,000 $325,000 $5,516 2.75%
Natchez, MS-LA (FHA|USDA|VA) 1 $325,000 $325,000 $14,728 2.50%
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%
Crossville, TN (FHA|USDA|VA) 1 $315,000 $315,000 $6,188 2.25%
Mountain Home, ID (FHA|USDA|VA) 2 $310,000 $155,000 $6,199 3.00%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 2 $310,000 $155,000 $3,856 3.13%
Sulphur Springs, TX (FHA|USDA|VA) 1 $305,000 $305,000 $10,278 3.13%
Mount Pleasant, TX (FHA|USDA|VA) 1 $305,000 $305,000 $3,318 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%
Oak Harbor, WA (FHA|USDA|VA) 1 $295,000 $295,000 $10,410 3.63%
Barre, VT (FHA|USDA|VA) 2 $290,000 $145,000 $3,354 2.88%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $290,000 $145,000 $4,910 2.81%
Bedford, IN (FHA|USDA|VA) 1 $285,000 $285,000 $5,885 2.25%
Del Rio, TX (FHA|USDA|VA) 1 $285,000 $285,000 $14,887 2.75%
Meadville, PA (FHA|USDA|VA) 1 $285,000 $285,000 $4,445 3.38%
UTICA-ROME, NY (FHA|USDA|VA) 2 $280,000 $140,000 $6,347 3.00%
Oneonta, NY (FHA|USDA|VA) 1 $275,000 $275,000 $1,854 2.38%
Shelbyville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $4,505 2.88%
Mount Airy, NC (FHA|USDA|VA) 1 $265,000 $265,000 $14,609 3.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,364 2.63%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $265,000 $265,000 $4,018 2.25%
Fort Morgan, CO (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.63%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $265,000 $265,000 $4,926 2.63%
Moses Lake, WA (FHA|USDA|VA) 2 $260,000 $130,000 $6,645 3.56%
Dodge City, KS (FHA|USDA|VA) 1 $255,000 $255,000 $12,019 3.88%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,915 3.75%
Thomaston, GA (FHA|USDA|VA) 1 $255,000 $255,000 $2,159 2.75%
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%
Findlay, OH (FHA|USDA|VA) 1 $255,000 $255,000 $7,532 2.88%
CASPER, WY (FHA|USDA|VA) 1 $255,000 $255,000 $3,789 2.25%
Athens, OH (FHA|USDA|VA) 1 $255,000 $255,000 $10,222 2.75%
Corning, NY (FHA|USDA|VA) 1 $255,000 $255,000 $4,250 2.88%
Adrian, MI (FHA|USDA|VA) 1 $255,000 $255,000 $3,456 3.25%
Athens, TX (FHA|USDA|VA) 1 $245,000 $245,000 $11,306 3.25%
Lake City, FL (FHA|USDA|VA) 1 $245,000 $245,000 $2,302 3.50%
Lumberton, NC (FHA|USDA|VA) 1 $245,000 $245,000 $5,281 2.25%
Glenwood Springs, CO (FHA|USDA|VA) 1 $245,000 $245,000 $11,127 3.00%
MONROE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $5,452 2.50%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $245,000 $245,000 $10,571 3.63%
Marion, OH (FHA|USDA|VA) 1 $245,000 $245,000 $14,513 2.25%
Owatonna, MN (FHA|USDA|VA) 1 $245,000 $245,000 $3,837 3.00%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $245,000 $245,000 $2,170 3.00%
Selinsgrove, PA (FHA|USDA|VA) 1 $235,000 $235,000 $9,929 2.38%
BECKLEY, WV (FHA|USDA|VA) 1 $235,000 $235,000 $5,721 2.75%
HARRISONBURG, VA (FHA|USDA|VA) 1 $235,000 $235,000 $4,104 2.75%
Danville, VA (FHA|USDA|VA) 1 $235,000 $235,000 $8,981 3.63%
YUBA CITY, CA (FHA|USDA|VA) 1 $235,000 $235,000 $4,456 2.75%
MOBILE, AL (FHA|USDA|VA) 1 $235,000 $235,000 $3,542 2.38%
Laconia, NH (FHA|USDA|VA) 1 $235,000 $235,000 $1,968 2.75%
LaGrange, GA-AL (FHA|USDA|VA) 1 $225,000 $225,000 $6,781 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%
Roswell, NM (FHA|USDA|VA) 1 $225,000 $225,000 $3,475 3.25%
Warsaw, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,404 2.50%
Washington, IN (FHA|USDA|VA) 1 $225,000 $225,000 $5,182 2.75%
Whitewater, WI (FHA|USDA|VA) 1 $225,000 $225,000 $3,592 2.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $215,000 $215,000 $2,381 2.75%
FOND DU LAC, WI (FHA|USDA|VA) 1 $215,000 $215,000 $9,529 2.50%
Manitowoc, WI (FHA|USDA|VA) 1 $215,000 $215,000 $2,442 2.75%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $215,000 $215,000 $1,802 2.25%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $215,000 $215,000 $6,147 3.25%
Port Angeles, WA (FHA|USDA|VA) 1 $215,000 $215,000 $3,534 3.25%
Shawnee, OK (FHA|USDA|VA) 1 $215,000 $215,000 $3,536 3.38%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $215,000 $215,000 $5,722 3.38%
Cambridge, MD (FHA|USDA|VA) 2 $210,000 $105,000 $5,299 3.75%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,584 2.88%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $205,000 $205,000 $4,540 2.50%
Huntsville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,797 3.13%
Sandpoint, ID (FHA|USDA|VA) 1 $205,000 $205,000 $8,628 2.88%
LAFAYETTE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $8,997 2.75%
JACKSON, TN (FHA|USDA|VA) 1 $205,000 $205,000 $1,962 2.75%
Sheridan, WY (FHA|USDA|VA) 1 $205,000 $205,000 $9,910 3.25%
SPARTANBURG, SC (FHA|USDA|VA) 1 $205,000 $205,000 $3,402 3.25%
MONROE, MI (FHA|USDA|VA) 1 $195,000 $195,000 $4,601 2.88%
Plattsburgh, NY (FHA|USDA|VA) 1 $195,000 $195,000 $10,261 3.13%
Helena, MT (FHA|USDA|VA) 1 $195,000 $195,000 $2,238 2.88%
Lewisburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $8,172 3.13%
Bartlesville, OK (FHA|USDA|VA) 1 $195,000 $195,000 $5,694 2.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,811 2.75%
Toccoa, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,587 2.88%
HAMMOND, LA (FHA|USDA|VA) 1 $195,000 $195,000 $5,736 2.75%
Muscatine, IA (FHA|USDA|VA) 1 $185,000 $185,000 $2,701 4.38%
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%
London, KY (FHA|USDA|VA) 1 $185,000 $185,000 $11,170 3.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $185,000 $185,000 $3,003 2.63%
New Castle, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,552 2.88%
MUSKEGON, MI (FHA|USDA|VA) 1 $185,000 $185,000 $6,838 2.75%
Columbus, MS (FHA|USDA|VA) 1 $175,000 $175,000 $8,594 3.63%
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%
Picayune, MS (FHA|USDA|VA) 1 $175,000 $175,000 $2,018 2.75%
Sturgis, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,380 3.75%
Sanford, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,967 3.38%
CORVALLIS, OR (FHA|USDA|VA) 1 $175,000 $175,000 $11,564 3.13%
Richmond, IN (FHA|USDA|VA) 1 $165,000 $165,000 $7,039 4.75%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $165,000 $165,000 $4,760 2.38%
Concord, NH (FHA|USDA|VA) 1 $165,000 $165,000 $2,415 2.75%
Marietta, OH (FHA|USDA|VA) 1 $165,000 $165,000 $942 2.38%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $165,000 $165,000 $8,788 3.25%
Americus, GA (FHA|USDA|VA) 1 $165,000 $165,000 $1,959 2.75%
ROME, GA (FHA|USDA|VA) 1 $155,000 $155,000 $8,037 2.88%
Clovis, NM (FHA|USDA|VA) 1 $155,000 $155,000 $2,252 2.75%
Crescent City, CA (FHA|USDA|VA) 1 $155,000 $155,000 $7,366 3.25%
Altus, OK (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.75%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,260 3.50%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,095 2.75%
Pottsville, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,699 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%
DECATUR, IL (FHA|USDA|VA) 1 $145,000 $145,000 $3,290 3.13%
FARMINGTON, NM (FHA|USDA|VA) 1 $145,000 $145,000 $2,187 3.13%
Garden City, KS (FHA|USDA|VA) 1 $145,000 $145,000 $6,768 3.75%
BINGHAMTON, NY (FHA|USDA|VA) 1 $145,000 $145,000 $4,262 2.88%
Jefferson, GA (FHA|USDA|VA) 1 $145,000 $145,000 $4,779 3.25%
Rockport, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,760 2.88%
Salina, KS (FHA|USDA|VA) 1 $135,000 $135,000 $4,954 2.75%
ERIE, PA (FHA|USDA|VA) 1 $135,000 $135,000 $5,092 3.25%
Cornelia, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,604 3.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $135,000 $135,000 $3,928 2.63%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,119 4.00%
Laurinburg, NC (FHA|USDA|VA) 1 $135,000 $135,000 $7,054 3.25%
Sunbury, PA (FHA|USDA|VA) 1 $135,000 $135,000 $5,213 3.63%
ANN ARBOR, MI (FHA|USDA|VA) 1 $125,000 $125,000 $6,231 3.25%
Evanston, WY (FHA|USDA|VA) 1 $125,000 $125,000 $4,069 2.50%
Greenville, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,832 2.75%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $125,000 $125,000 $4,093 3.25%
Bennington, VT (FHA|USDA|VA) 1 $125,000 $125,000 $1,792 3.13%
Stillwater, OK (FHA|USDA|VA) 1 $125,000 $125,000 $3,730 4.13%
Somerset, KY (FHA|USDA|VA) 1 $125,000 $125,000 $4,416 3.25%
MANSFIELD, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,630 2.88%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $115,000 $115,000 $6,522 2.88%
Troy, AL (FHA|USDA|VA) 1 $105,000 $105,000 $4,907 4.13%
Olean, NY (FHA|USDA|VA) 1 $105,000 $105,000 $4,562 2.75%
Seneca Falls, NY (FHA|USDA|VA) 1 $105,000 $105,000 $3,671 2.88%
BISMARCK, ND (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.75%
LONGVIEW, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,534 2.50%
Warrensburg, MO (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.38%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $95,000 $95,000 $4,616 3.75%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,204 2.75%
Cortland, NY (FHA|USDA|VA) 1 $65,000 $65,000 $4,102 2.75%
Taylorville, IL (FHA|USDA|VA) 1 $65,000 $65,000 $3,299 3.25%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $4,363 5.13%
First Home Bank's top markets include Tampa, New York, Seattle, North Port, and Houston among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • New York (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 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 2020, First Home Bank's most frequently originated type of loan was Conventional, with 4,835 originations. Their 2nd most popular type was VA, with 1,143 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2020, First Home Bank's most frequently cited loan purpose was Refi, with 3,219 originations. The 2nd most popular reason was 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 2020, First Home Bank's most frequently cited loan duration was 30 Year, with 5,739 originations. The 2nd most popular length was 15 Year, with 566 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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
    $2k-3k 819 $226,165,000 $276,148
    $3k-4k 522 $152,180,000 $291,533
    $4k-5k 359 $107,185,000 $298,565

    First Home Bank's average total fees were $6,186, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.12%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    91.78%

    First Home Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    63.15%

    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%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 3 20.0%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Other type of 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 $83,040
    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
    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

    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