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 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, Seattle, Baltimore, Boston, and Dover among others. We have data for 425 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.44% 4/18/24
30 Year Conventional Refi 6.36% 4/18/24
30 Year Cash-out Refi 6.56% 4/18/24
30 Year FHA Purchase 7.14% 4/18/24
30 Year FHA Refi 6.32% 4/18/24
30 Year VA Purchase 6.15% 4/18/24
30 Year VA Refi 3.11% 4/18/24
30 Year USDA Purchase 6.25% 4/18/24
15 Year Conventional Purchase 6.05% 4/18/24
15 Year Conventional Refi 6.22% 4/18/24
15 Year Cash-out Refi 6.22% 4/18/24
15 Year FHA Purchase 4.48% 4/18/24
15 Year FHA Refi 5.68% 4/18/24
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

7,069

Origination Dollar Volume (All Markets)

$2,147,515,000

Employee count

651 Show all (5) awards

Top Markets

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

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 771 $287,115,000 $372,393 $8,019 3.15%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 455 $169,235,000 $371,945 $6,351 2.89%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 348 $105,470,000 $303,075 $7,025 3.27%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 210 $99,950,000 $475,952 $4,997 2.85%
DOVER, DE (FHA|USDA|VA) 358 $99,180,000 $277,039 $7,392 3.05%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 267 $97,725,000 $366,011 $4,283 2.99%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 315 $89,145,000 $283,000 $6,378 3.15%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 312 $86,480,000 $277,179 $4,747 3.22%
SALISBURY, MD-DE (FHA|USDA|VA) 291 $85,575,000 $294,072 $5,897 3.08%
BOISE CITY, ID (FHA|USDA|VA) 190 $61,570,000 $324,053 $6,544 2.99%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 203 $57,905,000 $285,246 $6,449 3.07%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 152 $51,410,000 $338,224 $8,410 3.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 107 $37,535,000 $350,794 $8,443 3.17%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 134 $36,400,000 $271,642 $7,167 3.21%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 117 $33,365,000 $285,171 $6,376 2.97%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 116 $31,320,000 $270,000 $5,557 3.11%
Outside of Metro Areas 119 $29,385,000 $246,933 $6,543 3.05%
SALT LAKE CITY, UT (FHA|USDA|VA) 78 $22,770,000 $291,923 $7,190 3.09%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 69 $22,325,000 $323,551 $7,756 3.09%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 52 $21,230,000 $408,269 $6,823 3.16%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 71 $20,865,000 $293,873 $6,720 3.16%
KANSAS CITY, MO-KS (FHA|USDA|VA) 84 $18,980,000 $225,952 $3,797 3.05%
RALEIGH-CARY, NC (FHA|USDA|VA) 68 $17,380,000 $255,588 $6,063 3.08%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 72 $16,120,000 $223,889 $6,994 2.95%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 38 $13,370,000 $351,842 $6,355 2.78%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 75 $13,035,000 $173,800 $4,860 3.08%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 44 $12,790,000 $290,682 $7,939 2.92%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 30 $12,750,000 $425,000 $8,875 2.91%
Moscow, ID (FHA|USDA|VA) 36 $11,270,000 $313,056 $6,056 2.94%
PROVO-OREM, UT (FHA|USDA|VA) 30 $9,030,000 $301,000 $6,718 3.11%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 32 $9,000,000 $281,250 $6,306 3.03%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 25 $7,465,000 $298,600 $7,212 2.85%
COLUMBUS, OH (FHA|USDA|VA) 33 $7,465,000 $226,212 $7,183 3.02%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 21 $7,425,000 $353,571 $5,119 2.95%
WORCESTER, MA-CT (FHA|USDA|VA) 25 $7,115,000 $284,600 $6,713 3.03%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 21 $7,095,000 $337,857 $8,586 2.75%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 22 $6,610,000 $300,455 $5,342 3.03%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 18 $6,510,000 $361,667 $6,258 2.79%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 23 $6,265,000 $272,391 $6,789 3.14%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 29 $6,225,000 $214,655 $6,060 3.09%
JACKSONVILLE, FL (FHA|USDA|VA) 20 $6,200,000 $310,000 $6,934 3.15%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 19 $6,055,000 $318,684 $7,499 2.87%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 19 $6,005,000 $316,053 $6,703 3.02%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 18 $5,790,000 $321,667 $7,439 2.96%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 24 $5,650,000 $235,417 $6,007 3.03%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 21 $5,445,000 $259,286 $7,151 2.98%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 22 $5,280,000 $240,000 $5,777 3.11%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 20 $5,050,000 $252,500 $5,493 2.98%
ALBUQUERQUE, NM (FHA|USDA|VA) 24 $5,050,000 $210,417 $5,014 2.84%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 10 $4,970,000 $497,000 $8,627 2.84%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 22 $4,970,000 $225,909 $5,935 3.10%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 12 $4,670,000 $389,167 $7,378 2.98%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 22 $4,650,000 $211,364 $4,541 3.03%
PORT ST. LUCIE, FL (FHA|USDA|VA) 16 $4,600,000 $287,500 $7,370 3.01%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 20 $4,530,000 $226,500 $5,031 3.07%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 12 $4,440,000 $370,000 $9,993 3.05%
URBAN HONOLULU, HI (FHA|USDA|VA) 8 $4,400,000 $550,000 $13,167 2.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 16 $4,380,000 $273,750 $4,530 3.03%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 13 $4,345,000 $334,231 $4,102 2.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 16 $4,310,000 $269,375 $7,026 2.66%
WILMINGTON, NC (FHA|USDA|VA) 13 $4,105,000 $315,769 $7,160 3.17%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 15 $3,965,000 $264,333 $4,382 2.95%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 13 $3,805,000 $292,692 $6,545 2.86%
RICHMOND, VA (FHA|USDA|VA) 16 $3,770,000 $235,625 $6,449 2.95%
ST. LOUIS, MO-IL (FHA|USDA|VA) 20 $3,760,000 $188,000 $6,191 2.99%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 17 $3,755,000 $220,882 $7,316 2.93%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 12 $3,680,000 $306,667 $7,136 3.04%
ANCHORAGE, AK (FHA|USDA|VA) 11 $3,555,000 $323,182 $4,553 2.88%
YORK-HANOVER, PA (FHA|USDA|VA) 17 $3,415,000 $200,882 $6,629 3.07%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 13 $3,375,000 $259,615 $7,025 3.05%
PUNTA GORDA, FL (FHA|USDA|VA) 12 $3,340,000 $278,333 $5,045 3.08%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 13 $3,335,000 $256,538 $9,180 3.49%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 14 $3,310,000 $236,429 $7,660 2.86%
PITTSBURGH, PA (FHA|USDA|VA) 15 $3,215,000 $214,333 $6,706 3.04%
Outside of Metro Areas 13 $3,175,000 $244,231 $4,212 2.87%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $3,110,000 $259,167 $7,684 2.92%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 17 $3,085,000 $181,471 $5,978 3.03%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 11 $3,065,000 $278,636 $6,259 2.79%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 6 $3,030,000 $505,000 $12,121 3.44%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 13 $2,895,000 $222,692 $5,297 2.91%
SANTA FE, NM (FHA|USDA|VA) 9 $2,875,000 $319,444 $9,287 2.85%
ASHEVILLE, NC (FHA|USDA|VA) 10 $2,870,000 $287,000 $4,747 2.95%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 11 $2,845,000 $258,636 $6,296 2.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 9 $2,775,000 $308,333 $6,200 2.96%
Hilo, HI (FHA|USDA|VA) 9 $2,745,000 $305,000 $9,785 3.03%
FAYETTEVILLE, NC (FHA|USDA|VA) 12 $2,560,000 $213,333 $6,791 3.06%
COLUMBIA, SC (FHA|USDA|VA) 9 $2,535,000 $281,667 $6,206 3.08%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $2,530,000 $316,250 $7,741 3.06%
Centralia, WA (FHA|USDA|VA) 9 $2,455,000 $272,778 $6,022 2.51%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 8 $2,440,000 $305,000 $7,023 3.08%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 10 $2,430,000 $243,000 $6,177 3.02%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 9 $2,425,000 $269,444 $7,240 2.88%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $2,420,000 $242,000 $7,160 2.84%
OCEAN CITY, NJ (FHA|USDA|VA) 6 $2,280,000 $380,000 $8,952 3.00%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 4 $2,220,000 $555,000 $8,021 3.22%
WENATCHEE, WA (FHA|USDA|VA) 8 $2,210,000 $276,250 $7,107 3.23%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $2,180,000 $363,333 $5,337 2.96%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 8 $2,170,000 $271,250 $5,723 3.05%
LANCASTER, PA (FHA|USDA|VA) 9 $2,155,000 $239,444 $6,723 2.93%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 11 $2,115,000 $192,273 $4,322 2.90%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $2,105,000 $421,000 $11,143 3.50%
GREELEY, CO (FHA|USDA|VA) 7 $2,095,000 $299,286 $8,655 2.91%
Heber, UT (FHA|USDA|VA) 5 $2,025,000 $405,000 $5,258 2.88%
BILLINGS, MT (FHA|USDA|VA) 8 $1,960,000 $245,000 $5,626 2.77%
GAINESVILLE, FL (FHA|USDA|VA) 6 $1,960,000 $326,667 $15,031 3.04%
COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $1,910,000 $238,750 $3,653 2.72%
IDAHO FALLS, ID (FHA|USDA|VA) 9 $1,895,000 $210,556 $4,502 3.24%
ROCHESTER, NY (FHA|USDA|VA) 8 $1,830,000 $228,750 $6,227 2.94%
TUCSON, AZ (FHA|USDA|VA) 8 $1,830,000 $228,750 $6,586 2.91%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $1,815,000 $363,000 $4,356 2.70%
Seneca, SC (FHA|USDA|VA) 11 $1,805,000 $164,091 $3,345 3.41%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $1,790,000 $298,333 $9,756 2.79%
OCALA, FL (FHA|USDA|VA) 8 $1,700,000 $212,500 $7,392 2.98%
GAINESVILLE, GA (FHA|USDA|VA) 7 $1,695,000 $242,143 $7,011 3.11%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,660,000 $276,667 $3,157 3.00%
KNOXVILLE, TN (FHA|USDA|VA) 8 $1,650,000 $206,250 $4,363 3.06%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 7 $1,645,000 $235,000 $7,945 3.02%
MONTGOMERY, AL (FHA|USDA|VA) 7 $1,615,000 $230,714 $6,030 2.86%
LEWISTON, ID-WA (FHA|USDA|VA) 8 $1,590,000 $198,750 $6,650 2.86%
Shelton, WA (FHA|USDA|VA) 8 $1,580,000 $197,500 $4,683 2.59%
Aberdeen, WA (FHA|USDA|VA) 7 $1,575,000 $225,000 $7,067 2.46%
SPRINGFIELD, MA (FHA|USDA|VA) 7 $1,545,000 $220,714 $6,476 2.96%
SAVANNAH, GA (FHA|USDA|VA) 7 $1,535,000 $219,286 $6,435 3.13%
LOUISVILLE, KY (FHA|USDA|VA) 7 $1,495,000 $213,571 $6,666 3.00%
Concord, NH (FHA|USDA|VA) 6 $1,490,000 $248,333 $7,041 3.19%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 7 $1,485,000 $212,143 $6,086 3.18%
TWIN FALLS, ID (FHA|USDA|VA) 5 $1,465,000 $293,000 $5,093 3.22%
Cullowhee, NC (FHA|USDA|VA) 2 $1,460,000 $730,000 $5,408 3.00%
Blackfoot, ID (FHA|USDA|VA) 7 $1,455,000 $207,857 $6,168 2.66%
JACKSONVILLE, NC (FHA|USDA|VA) 5 $1,415,000 $283,000 $4,448 2.98%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,405,000 $468,333 $4,920 3.17%
Ontario, OR-ID (FHA|USDA|VA) 5 $1,365,000 $273,000 $5,520 2.93%
YAKIMA, WA (FHA|USDA|VA) 6 $1,350,000 $225,000 $6,666 2.96%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 7 $1,335,000 $190,714 $7,455 2.86%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 7 $1,325,000 $189,286 $6,372 3.32%
LAKE CHARLES, LA (FHA|USDA|VA) 5 $1,315,000 $263,000 $6,183 3.07%
MODESTO, CA (FHA|USDA|VA) 6 $1,310,000 $218,333 $6,822 3.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 7 $1,295,000 $185,000 $4,270 3.34%
Breckenridge, CO (FHA|USDA|VA) 3 $1,295,000 $431,667 $3,437 2.67%
VISALIA, CA (FHA|USDA|VA) 4 $1,290,000 $322,500 $10,169 2.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 5 $1,255,000 $251,000 $7,831 2.93%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $1,230,000 $307,500 $7,646 2.94%
RENO, NV (FHA|USDA|VA) 6 $1,230,000 $205,000 $5,455 2.94%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $1,215,000 $243,000 $6,914 2.78%
Mountain Home, ID (FHA|USDA|VA) 4 $1,210,000 $302,500 $6,631 2.97%
LEBANON, PA (FHA|USDA|VA) 8 $1,180,000 $147,500 $4,467 3.11%
MEDFORD, OR (FHA|USDA|VA) 3 $1,135,000 $378,333 $7,866 2.67%
LYNCHBURG, VA (FHA|USDA|VA) 5 $1,135,000 $227,000 $6,063 2.90%
BELLINGHAM, WA (FHA|USDA|VA) 3 $1,125,000 $375,000 $4,088 3.21%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $1,100,000 $183,333 $4,225 3.25%
Key West, FL (FHA|USDA|VA) 2 $1,070,000 $535,000 $6,113 2.75%
SYRACUSE, NY (FHA|USDA|VA) 6 $1,030,000 $171,667 $6,494 3.23%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,020,000 $255,000 $3,418 3.34%
BURLINGTON, NC (FHA|USDA|VA) 5 $1,005,000 $201,000 $6,012 3.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 4 $990,000 $247,500 $5,622 2.63%
STOCKTON, CA (FHA|USDA|VA) 4 $980,000 $245,000 $6,067 3.22%
TULSA, OK (FHA|USDA|VA) 6 $970,000 $161,667 $7,078 2.77%
Bennington, VT (FHA|USDA|VA) 4 $970,000 $242,500 $7,122 2.88%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $965,000 $321,667 $9,610 2.88%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 5 $955,000 $191,000 $6,952 2.97%
LAWRENCE, KS (FHA|USDA|VA) 5 $955,000 $191,000 $3,844 3.00%
Kalispell, MT (FHA|USDA|VA) 3 $955,000 $318,333 $4,177 2.92%
BOULDER, CO (FHA|USDA|VA) 3 $945,000 $315,000 $3,190 2.46%
COLUMBUS, GA-AL (FHA|USDA|VA) 4 $940,000 $235,000 $7,821 2.81%
SALEM, OR (FHA|USDA|VA) 4 $910,000 $227,500 $4,395 2.72%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $900,000 $225,000 $7,322 3.09%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $895,000 $298,333 $7,377 3.08%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $895,000 $179,000 $6,251 3.02%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $890,000 $222,500 $7,919 3.06%
VALLEJO, CA (FHA|USDA|VA) 3 $875,000 $291,667 $4,099 2.71%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $870,000 $435,000 $13,109 3.13%
RAPID CITY, SD (FHA|USDA|VA) 4 $860,000 $215,000 $6,181 2.66%
BEND, OR (FHA|USDA|VA) 3 $855,000 $285,000 $5,104 2.67%
POCATELLO, ID (FHA|USDA|VA) 4 $850,000 $212,500 $10,642 3.19%
THE VILLAGES, FL (FHA|USDA|VA) 5 $815,000 $163,000 $4,578 2.90%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 4 $810,000 $202,500 $2,755 2.41%
Pullman, WA (FHA|USDA|VA) 2 $810,000 $405,000 $4,688 3.19%
Montrose, CO (FHA|USDA|VA) 2 $810,000 $405,000 $4,491 2.94%
FRESNO, CA (FHA|USDA|VA) 3 $805,000 $268,333 $6,694 3.04%
GETTYSBURG, PA (FHA|USDA|VA) 4 $790,000 $197,500 $5,745 3.13%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $785,000 $261,667 $5,249 2.88%
CASPER, WY (FHA|USDA|VA) 3 $775,000 $258,333 $6,959 2.83%
Sheridan, WY (FHA|USDA|VA) 2 $770,000 $385,000 $10,091 3.19%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $770,000 $192,500 $5,362 3.22%
PANAMA CITY, FL (FHA|USDA|VA) 4 $770,000 $192,500 $5,658 2.59%
Henderson, NC (FHA|USDA|VA) 4 $770,000 $192,500 $5,768 3.38%
FORT WAYNE, IN (FHA|USDA|VA) 3 $765,000 $255,000 $4,787 3.13%
ROME, GA (FHA|USDA|VA) 3 $765,000 $255,000 $6,511 3.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $750,000 $187,500 $5,904 3.06%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $740,000 $370,000 $14,408 3.19%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $705,000 $235,000 $4,457 2.83%
Sevierville, TN (FHA|USDA|VA) 2 $700,000 $350,000 $5,714 3.06%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $695,000 $231,667 $7,393 3.17%
Torrington, CT (FHA|USDA|VA) 3 $685,000 $228,333 $4,590 3.04%
JOPLIN, MO (FHA|USDA|VA) 4 $680,000 $170,000 $3,958 2.66%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $675,000 $225,000 $7,195 2.92%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $675,000 $225,000 $4,150 2.75%
Augusta-Waterville, ME (FHA|USDA|VA) 3 $665,000 $221,667 $7,696 2.75%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $655,000 $218,333 $7,846 3.58%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $655,000 $655,000 $17,658 4.50%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $655,000 $218,333 $3,896 2.83%
St. Marys, GA (FHA|USDA|VA) 2 $650,000 $325,000 $10,572 3.13%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $635,000 $211,667 $7,405 2.79%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $635,000 $211,667 $6,337 2.87%
JACKSON, MS (FHA|USDA|VA) 3 $635,000 $211,667 $7,059 2.88%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $620,000 $310,000 $6,332 3.25%
AKRON, OH (FHA|USDA|VA) 2 $620,000 $310,000 $1,343 2.56%
Hailey, ID (FHA|USDA|VA) 1 $605,000 $605,000 $6,058 3.38%
Durango, CO (FHA|USDA|VA) 2 $600,000 $300,000 $9,156 2.94%
GREENVILLE, NC (FHA|USDA|VA) 2 $600,000 $300,000 $3,807 3.13%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $600,000 $300,000 $7,682 3.13%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $585,000 $195,000 $7,580 3.42%
TOPEKA, KS (FHA|USDA|VA) 3 $585,000 $195,000 $4,700 3.13%
LINCOLN, NE (FHA|USDA|VA) 3 $575,000 $191,667 $8,534 3.12%
SUMTER, SC (FHA|USDA|VA) 3 $575,000 $191,667 $3,317 3.25%
FAIRBANKS, AK (FHA|USDA|VA) 2 $570,000 $285,000 $3,202 2.25%
WHEELING, WV-OH (FHA|USDA|VA) 3 $565,000 $188,333 $7,951 2.87%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $565,000 $188,333 $7,094 3.29%
Palatka, FL (FHA|USDA|VA) 2 $560,000 $280,000 $10,282 2.81%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $560,000 $280,000 $7,042 2.81%
WALLA WALLA, WA (FHA|USDA|VA) 2 $550,000 $275,000 $6,502 3.69%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 3 $545,000 $181,667 $6,286 3.33%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $545,000 $545,000 $4,622 2.88%
Barre, VT (FHA|USDA|VA) 3 $545,000 $181,667 $6,201 3.00%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 3 $535,000 $178,333 $4,810 2.79%
Oak Harbor, WA (FHA|USDA|VA) 3 $535,000 $178,333 $3,029 2.58%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $530,000 $265,000 $6,020 3.06%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $520,000 $260,000 $7,199 3.13%
Brainerd, MN (FHA|USDA|VA) 2 $520,000 $260,000 $6,400 2.94%
COLUMBIA, MO (FHA|USDA|VA) 2 $520,000 $260,000 $3,615 2.44%
Jackson, WY-ID (FHA|USDA|VA) 2 $520,000 $260,000 $5,858 4.06%
NEW BERN, NC (FHA|USDA|VA) 3 $515,000 $171,667 $6,902 2.96%
Holland, MI (FHA|USDA|VA) 1 $515,000 $515,000 $5,536 2.50%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $510,000 $255,000 $4,622 2.81%
Bozeman, MT (FHA|USDA|VA) 1 $505,000 $505,000 $4,056 2.75%
BRUNSWICK, GA (FHA|USDA|VA) 2 $500,000 $250,000 $7,189 3.75%
Pottsville, PA (FHA|USDA|VA) 3 $495,000 $165,000 $7,298 3.25%
READING, PA (FHA|USDA|VA) 2 $490,000 $245,000 $7,967 3.13%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 4 $490,000 $122,500 $3,530 2.81%
PUEBLO, CO (FHA|USDA|VA) 3 $485,000 $161,667 $6,725 2.88%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $485,000 $161,667 $5,825 3.13%
Moses Lake, WA (FHA|USDA|VA) 2 $480,000 $240,000 $6,647 3.50%
Keene, NH (FHA|USDA|VA) 2 $480,000 $240,000 $6,050 3.00%
LOGAN, UT-ID (FHA|USDA|VA) 2 $480,000 $240,000 $6,297 3.13%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $480,000 $240,000 $8,040 3.06%
BECKLEY, WV (FHA|USDA|VA) 2 $480,000 $240,000 $3,773 3.19%
WACO, TX (FHA|USDA|VA) 1 $475,000 $475,000 $7,522 3.50%
CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $470,000 $235,000 $5,383 3.25%
Los Alamos, NM (FHA|USDA|VA) 1 $465,000 $465,000 $2,569 3.00%
LONGVIEW, WA (FHA|USDA|VA) 1 $465,000 $465,000 $2,597 2.88%
KINGSTON, NY (FHA|USDA|VA) 1 $455,000 $455,000 $4,644 2.88%
Ottawa, IL (FHA|USDA|VA) 2 $450,000 $225,000 $2,316 2.81%
AMES, IA (FHA|USDA|VA) 2 $450,000 $225,000 $6,548 2.81%
TOLEDO, OH (FHA|USDA|VA) 4 $450,000 $112,500 $4,838 3.41%
UTICA-ROME, NY (FHA|USDA|VA) 3 $445,000 $148,333 $4,156 2.75%
CHEYENNE, WY (FHA|USDA|VA) 2 $440,000 $220,000 $9,001 3.31%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $430,000 $215,000 $9,151 3.19%
Gallup, NM (FHA|USDA|VA) 1 $425,000 $425,000 $18,070 3.25%
Price, UT (FHA|USDA|VA) 1 $425,000 $425,000 $9,249 3.00%
Faribault-Northfield, MN (FHA|USDA|VA) 2 $420,000 $210,000 $11,254 2.69%
ERIE, PA (FHA|USDA|VA) 3 $415,000 $138,333 $5,863 3.42%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $410,000 $205,000 $4,214 3.50%
LAS CRUCES, NM (FHA|USDA|VA) 2 $410,000 $205,000 $5,689 2.63%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $410,000 $205,000 $7,048 2.88%
NAPA, CA (FHA|USDA|VA) 1 $405,000 $405,000 $9,518 2.88%
Clearlake, CA (FHA|USDA|VA) 1 $405,000 $405,000 $3,514 2.88%
JACKSON, MI (FHA|USDA|VA) 2 $400,000 $200,000 $10,050 2.81%
FORT COLLINS, CO (FHA|USDA|VA) 2 $400,000 $200,000 $4,489 2.94%
MUNCIE, IN (FHA|USDA|VA) 2 $400,000 $200,000 $6,975 2.81%
Brookings, OR (FHA|USDA|VA) 1 $395,000 $395,000 $13,223 2.63%
Morehead City, NC (FHA|USDA|VA) 1 $395,000 $395,000 $4,304 3.25%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $390,000 $195,000 $3,861 2.88%
Sanford, NC (FHA|USDA|VA) 2 $390,000 $195,000 $2,557 2.63%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $390,000 $195,000 $6,536 2.75%
Helena, MT (FHA|USDA|VA) 1 $385,000 $385,000 $3,933 3.25%
Lebanon, NH-VT (FHA|USDA|VA) 2 $380,000 $190,000 $5,685 2.69%
Kingsville, TX (FHA|USDA|VA) 1 $375,000 $375,000 $4,227 2.88%
Cullman, AL (FHA|USDA|VA) 1 $365,000 $365,000 $14,248 3.50%
Laconia, NH (FHA|USDA|VA) 1 $365,000 $365,000 $14,404 2.63%
RACINE, WI (FHA|USDA|VA) 2 $360,000 $180,000 $2,110 3.13%
Fredericksburg, TX (FHA|USDA|VA) 1 $355,000 $355,000 $6,523 2.63%
HARRISONBURG, VA (FHA|USDA|VA) 1 $355,000 $355,000 $12,330 3.13%
ANN ARBOR, MI (FHA|USDA|VA) 2 $340,000 $170,000 $8,926 3.44%
Brenham, TX (FHA|USDA|VA) 1 $335,000 $335,000 $9,052 2.63%
Williston, ND (FHA|USDA|VA) 1 $325,000 $325,000 $5,471 5.13%
MORGANTOWN, WV (FHA|USDA|VA) 1 $325,000 $325,000 $1,492 2.25%
MIDLAND, TX (FHA|USDA|VA) 1 $315,000 $315,000 $11,439 2.75%
Juneau, AK (FHA|USDA|VA) 1 $315,000 $315,000 $13,483 2.25%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $315,000 $315,000 $3,809 2.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $310,000 $155,000 $5,199 4.06%
Tupelo, MS (FHA|USDA|VA) 2 $310,000 $155,000 $4,525 3.06%
Clewiston, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,735 4.13%
MISSOULA, MT (FHA|USDA|VA) 1 $305,000 $305,000 $3,676 2.25%
ST. GEORGE, UT (FHA|USDA|VA) 1 $305,000 $305,000 $3,386 2.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $300,000 $150,000 $6,035 3.19%
Cedar City, UT (FHA|USDA|VA) 1 $295,000 $295,000 $8,069 2.75%
Tiffin, OH (FHA|USDA|VA) 1 $295,000 $295,000 $14,243 2.63%
CLEVELAND, TN (FHA|USDA|VA) 1 $295,000 $295,000 $4,153 2.38%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $295,000 $295,000 $1,332 2.25%
Burley, ID (FHA|USDA|VA) 1 $295,000 $295,000 $5,267 2.87%
Rexburg, ID (FHA|USDA|VA) 1 $295,000 $295,000 $3,306 2.25%
Riverton, WY (FHA|USDA|VA) 1 $295,000 $295,000 $3,458 3.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $290,000 $145,000 $1,730 2.25%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $290,000 $145,000 $6,049 3.06%
Lufkin, TX (FHA|USDA|VA) 2 $290,000 $145,000 $3,924 3.50%
Winnemucca, NV (FHA|USDA|VA) 1 $285,000 $285,000 $14,308 2.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $285,000 $285,000 $7,375 3.00%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $285,000 $285,000 $1,951 2.88%
Fort Payne, AL (FHA|USDA|VA) 1 $285,000 $285,000 $8,127 2.88%
ALTOONA, PA (FHA|USDA|VA) 2 $280,000 $140,000 $6,809 3.00%
Corsicana, TX (FHA|USDA|VA) 1 $275,000 $275,000 $7,792 3.50%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $4,182 2.25%
Othello, WA (FHA|USDA|VA) 1 $275,000 $275,000 $5,992 3.50%
Sidney, OH (FHA|USDA|VA) 1 $265,000 $265,000 $2,159 2.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $265,000 $265,000 $8,850 3.13%
REDDING, CA (FHA|USDA|VA) 1 $265,000 $265,000 $10,560 3.00%
Fairmont, WV (FHA|USDA|VA) 2 $260,000 $130,000 $6,082 3.38%
Clarksburg, WV (FHA|USDA|VA) 2 $260,000 $130,000 $3,656 2.50%
TYLER, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,601 2.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $255,000 $255,000 $11,999 2.38%
BATON ROUGE, LA (FHA|USDA|VA) 1 $255,000 $255,000 $7,380 2.88%
Athens, TN (FHA|USDA|VA) 1 $255,000 $255,000 $10,558 3.63%
Georgetown, SC (FHA|USDA|VA) 1 $255,000 $255,000 $2,022 2.25%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $255,000 $255,000 $3,083 2.88%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $245,000 $245,000 $6,989 3.12%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $245,000 $245,000 $9,608 3.88%
Laramie, WY (FHA|USDA|VA) 1 $245,000 $245,000 $8,880 3.25%
SPARTANBURG, SC (FHA|USDA|VA) 2 $240,000 $120,000 $5,021 3.63%
Rutland, VT (FHA|USDA|VA) 1 $235,000 $235,000 $9,527 3.38%
MONROE, LA (FHA|USDA|VA) 1 $235,000 $235,000 $7,504 2.75%
Danville, VA (FHA|USDA|VA) 1 $235,000 $235,000 $5,956 2.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $235,000 $235,000 $3,146 2.88%
CARSON CITY, NV (FHA|USDA|VA) 1 $235,000 $235,000 $8,732 3.38%
Huntington, IN (FHA|USDA|VA) 1 $225,000 $225,000 $1,451 3.50%
Rock Springs, WY (FHA|USDA|VA) 1 $225,000 $225,000 $7,878 3.88%
Ozark, AL (FHA|USDA|VA) 1 $225,000 $225,000 $1,522 2.25%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $225,000 $225,000 $6,217 3.00%
Scottsboro, AL (FHA|USDA|VA) 1 $225,000 $225,000 $2,492 2.25%
Sandpoint, ID (FHA|USDA|VA) 1 $225,000 $225,000 $7,258 3.38%
MORRISTOWN, TN (FHA|USDA|VA) 1 $225,000 $225,000 $8,360 3.88%
Mount Vernon, OH (FHA|USDA|VA) 1 $215,000 $215,000 $8,422 2.88%
Salem, OH (FHA|USDA|VA) 1 $215,000 $215,000 $9,355 3.38%
Fremont, OH (FHA|USDA|VA) 1 $215,000 $215,000 $9,763 2.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $8,716 3.00%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $215,000 $215,000 $6,947 3.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $215,000 $215,000 $4,413 2.88%
Muscatine, IA (FHA|USDA|VA) 1 $215,000 $215,000 $8,419 2.99%
Malone, NY (FHA|USDA|VA) 2 $210,000 $105,000 $4,626 3.19%
Branson, MO (FHA|USDA|VA) 1 $205,000 $205,000 $718 2.25%
Mount Airy, NC (FHA|USDA|VA) 1 $205,000 $205,000 $5,002 3.50%
Easton, MD (FHA|USDA|VA) 1 $205,000 $205,000 $4,319 3.00%
Ellensburg, WA (FHA|USDA|VA) 1 $205,000 $205,000 $3,579 2.38%
LaGrange, GA-AL (FHA|USDA|VA) 1 $205,000 $205,000 $11,235 2.75%
Traverse City, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,659 3.88%
COLUMBUS, IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,080 2.13%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $195,000 $195,000 $8,504 3.00%
Lexington, NE (FHA|USDA|VA) 1 $195,000 $195,000 $7,396 2.75%
Gillette, WY (FHA|USDA|VA) 1 $195,000 $195,000 $3,621 2.75%
Fergus Falls, MN (FHA|USDA|VA) 1 $195,000 $195,000 $5,789 3.25%
Waycross, GA (FHA|USDA|VA) 1 $195,000 $195,000 $8,686 2.75%
FARGO, ND-MN (FHA|USDA|VA) 1 $195,000 $195,000 $7,787 2.88%
Show Low, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $7,179 3.25%
Union City, TN (FHA|USDA|VA) 1 $185,000 $185,000 $8,233 2.63%
Houghton, MI (FHA|USDA|VA) 1 $185,000 $185,000 $7,287 3.25%
Tifton, GA (FHA|USDA|VA) 1 $185,000 $185,000 $6,447 2.75%
Fernley, NV (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.38%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $175,000 $175,000 $5,623 3.63%
Cortland, NY (FHA|USDA|VA) 1 $175,000 $175,000 $4,212 3.13%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $175,000 $175,000 $1,275 2.50%
Ketchikan, AK (FHA|USDA|VA) 1 $175,000 $175,000 $3,005 2.50%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $170,000 $85,000 $3,858 3.63%
LAFAYETTE, LA (FHA|USDA|VA) 1 $165,000 $165,000 $7,710 2.88%
WICHITA, KS (FHA|USDA|VA) 1 $165,000 $165,000 $869 2.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $165,000 $165,000 $5,501 2.75%
Amsterdam, NY (FHA|USDA|VA) 1 $165,000 $165,000 $9,133 3.13%
PINE BLUFF, AR (FHA|USDA|VA) 1 $165,000 $165,000 $3,156 3.50%
Spirit Lake, IA (FHA|USDA|VA) 1 $165,000 $165,000 $6,681 3.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $165,000 $165,000 $6,413 3.25%
Oxford, MS (FHA|USDA|VA) 1 $165,000 $165,000 $3,682 2.75%
Oil City, PA (FHA|USDA|VA) 1 $155,000 $155,000 $9,023 2.63%
Warsaw, IN (FHA|USDA|VA) 1 $155,000 $155,000 $7,206 2.38%
Sturgis, MI (FHA|USDA|VA) 1 $155,000 $155,000 $3,578 3.25%
Sterling, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,153 2.88%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $155,000 $155,000 $3,085 2.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $145,000 $145,000 $4,663 3.12%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $145,000 $145,000 $5,603 3.50%
LIMA, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,794 4.13%
PITTSFIELD, MA (FHA|USDA|VA) 1 $145,000 $145,000 $5,185 2.38%
KOKOMO, IN (FHA|USDA|VA) 1 $145,000 $145,000 $9,377 2.75%
YUMA, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $6,264 2.75%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,575 3.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $145,000 $145,000 $4,350 2.50%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $140,000 $70,000 $3,500 3.31%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,840 2.75%
ROCHESTER, MN (FHA|USDA|VA) 1 $135,000 $135,000 $5,180 3.12%
Martinsville, VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,736 3.25%
New Castle, IN (FHA|USDA|VA) 1 $135,000 $135,000 $2,782 2.99%
Seymour, IN (FHA|USDA|VA) 1 $135,000 $135,000 $6,957 2.88%
Nacogdoches, TX (FHA|USDA|VA) 1 $135,000 $135,000 $7,248 2.88%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $135,000 $135,000 $4,831 4.13%
Oneonta, NY (FHA|USDA|VA) 1 $135,000 $135,000 $3,944 3.00%
MADISON, WI (FHA|USDA|VA) 1 $125,000 $125,000 $5,637 3.13%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $125,000 $125,000 $6,722 2.63%
Elkins, WV (FHA|USDA|VA) 1 $115,000 $115,000 $5,885 4.88%
Wapakoneta, OH (FHA|USDA|VA) 1 $115,000 $115,000 $5,785 2.75%
LAWTON, OK (FHA|USDA|VA) 1 $115,000 $115,000 $6,548 3.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $115,000 $115,000 $4,412 3.25%
GREAT FALLS, MT (FHA|USDA|VA) 1 $115,000 $115,000 $6,138 3.75%
Fairfield, IA (FHA|USDA|VA) 1 $115,000 $115,000 $5,525 2.75%
DOTHAN, AL (FHA|USDA|VA) 1 $115,000 $115,000 $5,221 3.00%
Taylorville, IL (FHA|USDA|VA) 1 $115,000 $115,000 $3,759 2.88%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $105,000 $105,000 $6,161 3.00%
Jefferson, GA (FHA|USDA|VA) 1 $105,000 $105,000 $5,468 3.50%
Gloversville, NY (FHA|USDA|VA) 1 $105,000 $105,000 $4,438 2.75%
Winfield, KS (FHA|USDA|VA) 1 $95,000 $95,000 $5,540 3.63%
Greeneville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $3,487 3.00%
Muskogee, OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,359 2.87%
Watertown, SD (FHA|USDA|VA) 1 $95,000 $95,000 $4,417 3.13%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $95,000 $95,000 $4,396 2.63%
Boone, NC (FHA|USDA|VA) 1 $95,000 $95,000 $3,664 3.00%
DECATUR, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,136 2.63%
PEORIA, IL (FHA|USDA|VA) 1 $75,000 $75,000 $4,441 3.25%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $65,000 $65,000 $5,090 2.38%
West Point, MS (FHA|USDA|VA) 1 $55,000 $55,000 $3,842 2.25%
Vicksburg, MS (FHA|USDA|VA) 1 $55,000 $55,000 $3,333 3.63%
First Home Bank's top markets include New York, Seattle, Baltimore, Boston, and Dover among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,491 $1,667,615,000 $303,700 $5,784 3.09%
    VA 795 $261,255,000 $328,623 $7,596 2.65%
    FHA 727 $204,095,000 $280,736 $10,707 3.18%
    USDA 56 $14,550,000 $259,821 $7,389 2.99%

    For 2021, First Home Bank's most frequently originated type of loan was Conventional, with 5,491 originations. Their 2nd most popular type was VA, with 795 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,895 $962,635,000 $332,516 $7,284 3.14%
    Refi 2,338 $664,530,000 $284,230 $5,362 2.86%
    Cash Out Refi 1,782 $510,790,000 $286,639 $6,810 3.13%
    Home Improvement 46 $8,820,000 $191,739 $5,509 3.74%
    Other 8 $740,000 $92,500 $767 4.65%

    For 2021, First Home Bank's most frequently cited loan purpose was Home Purchase, with 2,895 originations. The 2nd most popular reason was Refi, with 2,338 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,153 $1,928,415,000 $313,411 $6,762 3.10%
    15 Year 520 $128,340,000 $246,808 $4,811 2.59%
    20 Year 207 $52,075,000 $251,570 $4,927 2.97%
    Other 132 $31,110,000 $235,682 $5,035 2.82%
    10 Year 53 $7,425,000 $140,094 $4,245 2.84%
    5 Year 4 $150,000 $37,500 $252 1.87%

    For 2021, First Home Bank's most frequently cited loan duration was 30 Year, with 6,153 originations. The 2nd most popular length was 15 Year, with 520 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,762 $832,870,000 $301,546
    $5k+ 1,276 $449,620,000 $352,367
    $<1k 1,100 $306,470,000 $278,609
    $2k-3k 899 $252,975,000 $281,396
    $3k-4k 546 $165,250,000 $302,656
    $4k-5k 450 $131,510,000 $292,244

    First Home Bank's average total fees were $6,762, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,762 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 3,004 $930,900,000 $309,887
    3-4% 2,899 $884,125,000 $304,976
    <2.5% 906 $261,280,000 $288,389
    4-5% 242 $66,560,000 $275,041
    5-6% 17 $4,605,000 $270,882
    6-7% 1 $45,000 $45,000

    During 2021, First Home Bank's average interest rate for loans was 3.10%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,004 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,638 $1,041,040,000 $286,157 $6,617 3.06%
    $100k-200k 1,637 $260,045,000 $158,855 $4,964 3.06%
    $400k-600k 1,252 $602,170,000 $480,966 $7,581 3.03%
    $600k-1MM 264 $186,830,000 $707,689 $11,999 3.06%
    $100,000 or less 247 $16,595,000 $67,186 $2,797 2.95%
    $1MM+ 31 $40,835,000 $1,317,258 $14,523 3.18%

    2021 saw First Home Bank place emphasis on $200k-400k loans with 3,638 originations, totaling $1,041,040,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,602 $380,270,000 $237,372 $6,473 3.08%
    $100k-150k 1,576 $526,650,000 $334,169 $6,781 3.06%
    $75k-100k 1,301 $368,525,000 $283,263 $6,740 3.09%
    $50k or less 1,085 $223,215,000 $205,728 $5,246 2.90%
    $150k-250k 1,037 $412,595,000 $397,874 $6,975 3.09%
    $250k+ 437 $226,485,000 $518,272 $7,177 3.09%

    First Home Bank lent most frequently to those with incomes in the $50k-75k range, with 1,602 originations. The second most popular income band? $100k-150k, with 1,576 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,327 $383,545,000 $289,032 $5,691 2.99%
    30-36% 1,244 $380,390,000 $305,780 $6,415 3.09%
    <20% 444 $132,320,000 $298,018 $5,081 2.89%
    44% 363 $108,435,000 $298,719 $7,103 3.12%
    43% 296 $89,320,000 $301,757 $7,033 3.18%
    49% 278 $90,290,000 $324,784 $8,077 3.12%
    45% 278 $84,180,000 $302,806 $7,077 3.17%
    42% 276 $92,420,000 $334,855 $7,183 3.15%
    40% 272 $87,530,000 $321,801 $7,102 3.15%
    38% 261 $79,955,000 $306,341 $6,405 3.16%
    37% 256 $85,080,000 $332,344 $6,930 3.11%
    39% 252 $77,410,000 $307,183 $6,787 3.08%
    41% 248 $71,960,000 $290,161 $6,479 3.13%
    36% 203 $61,255,000 $301,749 $6,445 3.08%
    46% 199 $59,655,000 $299,774 $7,020 3.07%
    50-60% 198 $62,650,000 $316,414 $10,375 3.19%
    48% 186 $58,430,000 $314,140 $7,354 3.11%
    47% 180 $56,570,000 $314,278 $7,936 3.01%
    >60% 2 $270,000 $135,000 $2,522 4.38%

    First Home Bank lent most frequently to those with DTI ratios of 20-30%, with 1,327 originations. The next most common DTI ratio? 30-36%, with 1,244 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,122 $1,556,660,000 $303,916 $6,258 3.03%
    Not provided 820 $248,760,000 $303,366 $6,748 3.06%
    Black 797 $232,785,000 $292,077 $7,716 3.15%
    Asian 263 $88,905,000 $338,042 $6,917 3.00%
    American Indian 33 $9,915,000 $300,455 $7,306 3.10%
    Native Hawaiian or Islander 26 $8,080,000 $310,769 $7,219 3.11%
    Asian Indian 3 $1,465,000 $488,333 $5,807 3.25%
    Filipino 4 $760,000 $190,000 $3,685 3.00%
    Chinese 1 $185,000 $185,000 $4,316 2.50%

    Approval Rates

    Total approvals of all applications
    90.47%

    First Home Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.95%

    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 7,069 $2,147,515,000 $303,793

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,069 $2,147,515,000 $303,793

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 315 $70,565,000 $224,016 $4,835 2.85%
    40-60% 1,154 $313,770,000 $271,898 $5,314 2.90%
    60-80% 2,735 $840,805,000 $307,424 $6,060 3.10%
    80-100% 2,665 $874,925,000 $328,302 $7,500 3.11%
    Over 100% 104 $40,410,000 $388,558 $15,732 2.86%
    Under 20% 96 $7,040,000 $73,333 $1,494 2.65%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 2 5.9%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 2.9%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 5.9%
    FIRST HORIZON BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 6 17.6%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 2.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 2 5.9%
    FIRST HORIZON BANK FHA mortgage Closing on a mortgage 1 2.9%
    FIRST HORIZON BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 10 29.4%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 2.9%

    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 $129,037
    First Home Bank 2520 Countryside Boulevard Clearwater, FL 33763 Full Service B&M $53,479
    First Home Bank 3015 West Columbus Drive Tampa, FL 33607 Full Service B&M $28,327
    First Home Bank 5250 Park Boulevard Pinellas Park, FL 33781 Full Service B&M $64,079
    First Home Bank 700 Central Ave Saint Petersburg, FL 33701 Full Service B&M $215,998
    First Home Bank 9190 Seminole Blvd Seminole, FL 33772 Full Service B&M $143,125

    For 2021, First Home Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $47,543
    Net interest income $40,809
    Total noninterest income $117,553
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $454
    Trading account gains and fees $0
    Additional Noninterest Income $117,099
    Pre-tax net operating income $34,324
    Securities gains (or losses, -) $0
    Income before extraordinary items $26,029
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $26,029
    Minority interest net income $0
    Net income $26,029
    Sale, conversion, retirement of capital stock, net $462
    Net operating income $26,029

    First Home Bank's gross interest income from loans was $47,543,000.
    First Home Bank's net interest income from loans was $40,809,000.
    First Home Bank's fee based income from loans was $454,000.
    First Home Bank's net income from loans was $26,029,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,734
    Provision for credit losses $-3,500
    Total noninterest expense $127,538
    Salaries and employee benefits $89,490
    Premises and equipment expense $5,156
    Additional noninterest expense $32,892
    Applicable income taxes $8,295
    Net charge-offs $4,210
    Cash dividends $1,000

    First Home Bank's interest expense for loans was $6,734,000.
    First Home Bank's payroll and benefits expense were $89,490,000.
    First Home Bank's property, plant and equipment expenses $5,156,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 4.0%
    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 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 $724,237
    Deposits held in domestic offices $724,237
    Deposits by Individuals, partnerships, and corporations $702,197
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $11,441
    Deposits by Commercial banks and other depository institutions in U.S. $10,599
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $248,940
    Demand deposits $113,463
    Nontransaction accounts $475,297
    Money market deposit accounts (MMDAs) $409,003
    Other savings deposits (excluding MMDAs) $15,607
    Total time deposits $50,687
    Total time and savings deposits $610,774
    Noninterest-bearing deposits $86,190
    Interest-bearing deposits $638,047
    Retail deposits $714,731
    IRAs and Keogh plan accounts $2,132
    Brokered deposits $759
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $917,272
    Cash & Balances due from depository institutions $112,107
    Interest-bearing balances $109,239
    Total securities $30,895
    Federal funds sold & reverse repurchase $0
    Net loans and leases $686,052
    Loan and leases loss allowance $13,452
    Trading account assets $0
    Bank premises and fixed assets $34,214
    Other real estate owned $3
    Goodwill and other intangibles $6,719
    All other assets $47,282

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $917,272
    Total Liabilities $813,791
    Total deposits $724,237
    Interest-bearing deposits $638,047
    Deposits held in domestic offices $724,237
    % insured (estimated) $54
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $69,654
    Subordinated debt $0
    All other liabilities $19,900

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $686,052
    Loan and leases loss allowance $13,452
    Total loans and leases (domestic) $699,504
    All real estate loans $389,203
    Real estate loans in domestic offices $389,203
    Construction and development loans $21,095
    Residential 1-4 family construction $2,375
    Other construction, all land development and other land $18,720
    Loans secured by nonfarm nonresidential properties $167,916
    Nonfarm nonresidential secured by owner-occupied properties $128,466
    Commercial real estate & other non-farm, non-residential $39,450
    Multifamily residential real estate $841
    1-4 family residential loans $199,017
    Farmland loans $334
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $306,715
    To non-U.S. addressees $0
    Loans to individuals $3,543
    Credit card loans $0
    Related Plans $442
    Consumer Auto Loans $1,782
    Other loans to individuals $1,319
    All other loans & leases $43
    Loans to foreign governments and official institutions $0
    Other loans $43
    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 $686,052,000 of loans outstanding in 2021. $389,203,000 of loans were in real estate loans. $21,095,000 of loans were in development loans. $841,000 of loans were in multifamily mortgage loans. $199,017,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,782,000 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 182 $52,988 $291,143
    Nonfarm, nonresidential loans - <$100k 7 $419 $59,857
    Nonfarm, nonresidential loans - $100-250k 45 $5,203 $115,622
    Nonfarm, nonresidential loans - $250k-1MM 130 $47,366 $364,354
    Commercial & Industrial, US addressed loans - <$1MM 4,562 $215,205 $47,173
    Commercial & Industrial, US addressed loans - <$100k 1,662 $23,967 $14,421
    Commercial & Industrial, US addressed loans - $100-250k 1,468 $61,449 $41,859
    Commercial & Industrial, US addressed loans - $250k-1MM 1,432 $129,789 $90,635
    Farmland loans - <$1MM 1 $334 $334,000
    Farmland loans - $250k-1MM 1 $334 $334,000