First Home Bank Mortgage Rates, Fees & Info
Saint Petersburg, FLLEI: 549300DMI3W6YLDVSK93
Tax ID: 59-3526917
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Mortgage Data
Review & Overview
First Home Bank is a smaller bank specializing in Home Purchase loans. First Home Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Seattle, Tampa, Dover, and Baltimore among others. We have data for 267 markets. (Some data included below & more in-depth data is available with an active subscription.)First Home Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Home Bank is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.44% | 12/4/24 |
| 30 Year Conventional Refi | 6.36% | 12/4/24 |
| 30 Year Cash-out Refi | 6.56% | 12/4/24 |
| 30 Year FHA Purchase | 7.14% | 12/4/24 |
| 30 Year FHA Refi | 6.32% | 12/4/24 |
| 30 Year VA Purchase | 6.15% | 12/4/24 |
| 30 Year VA Refi | 3.11% | 12/4/24 |
| 30 Year USDA Purchase | 6.25% | 12/4/24 |
| 15 Year Conventional Purchase | 6.05% | 12/4/24 |
| 15 Year Conventional Refi | 6.22% | 12/4/24 |
| 15 Year Cash-out Refi | 6.22% | 12/4/24 |
| 15 Year FHA Purchase | 4.48% | 12/4/24 |
| 15 Year FHA Refi | 5.68% | 12/4/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First Home Bank Mortgage Calculator
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This is not an official calculator from First Home Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,680Origination Dollar Volume (All Markets)
$895,470,000Awards
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First Home Bank - 2022
First Home Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 239 | $95,155,000 | $398,138 | $10,023 | 4.51% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 174 | $78,260,000 | $449,770 | $11,134 | 4.44% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 225 | $64,525,000 | $286,778 | $5,875 | 4.76% |
| DOVER, DE (FHA|USDA|VA) | 178 | $55,480,000 | $311,685 | $10,234 | 4.50% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 159 | $53,325,000 | $335,377 | $10,749 | 4.98% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 113 | $52,665,000 | $466,062 | $5,488 | 4.54% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 142 | $45,660,000 | $321,549 | $8,333 | 5.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 143 | $42,135,000 | $294,650 | $8,292 | 4.73% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 72 | $27,540,000 | $382,500 | $10,315 | 5.80% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 60 | $25,980,000 | $433,000 | $12,349 | 4.65% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 85 | $25,245,000 | $297,000 | $10,020 | 4.73% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 80 | $22,760,000 | $284,500 | $9,394 | 4.74% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 39 | $19,825,000 | $508,333 | $11,945 | 4.82% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 28 | $12,350,000 | $441,071 | $8,512 | 4.43% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 38 | $11,160,000 | $293,684 | $8,666 | 4.86% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 41 | $10,885,000 | $265,488 | $9,346 | 5.16% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 30 | $10,520,000 | $350,667 | $10,538 | 4.64% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 25 | $9,775,000 | $391,000 | $12,107 | 4.43% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 20 | $8,610,000 | $430,500 | $10,914 | 4.74% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 19 | $7,885,000 | $415,000 | $9,092 | 4.69% |
| Outside of Metro Areas | 33 | $7,835,000 | $237,424 | $8,210 | 4.57% |
| BOISE CITY, ID (FHA|USDA|VA) | 23 | $7,495,000 | $325,870 | $9,348 | 4.03% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 29 | $7,045,000 | $242,931 | $8,451 | 5.21% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 19 | $6,875,000 | $361,842 | $6,639 | 5.02% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 14 | $6,060,000 | $432,857 | $12,493 | 5.12% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 11 | $5,185,000 | $471,364 | $7,949 | 5.45% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 19 | $5,025,000 | $264,474 | $9,973 | 4.78% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 11 | $4,545,000 | $413,182 | $9,375 | 5.29% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 17 | $4,275,000 | $251,471 | $6,386 | 4.48% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 9 | $4,185,000 | $465,000 | $17,485 | 4.60% |
| Coos Bay, OR (FHA|USDA|VA) | 11 | $4,075,000 | $370,455 | $11,041 | 5.22% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $3,420,000 | $570,000 | $11,655 | 4.27% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 12 | $3,130,000 | $260,833 | $10,274 | 4.39% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $2,935,000 | $419,286 | $10,357 | 4.23% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 12 | $2,650,000 | $220,833 | $7,038 | 5.20% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 9 | $2,545,000 | $282,778 | $7,350 | 5.04% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 11 | $2,405,000 | $218,636 | $6,766 | 5.18% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 8 | $2,380,000 | $297,500 | $12,690 | 4.16% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $2,215,000 | $738,333 | $24,978 | 5.58% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $7,590 | 5.02% |
| Aberdeen, WA (FHA|USDA|VA) | 9 | $2,145,000 | $238,333 | $9,123 | 4.03% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 11 | $2,045,000 | $185,909 | $8,741 | 4.56% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $7,612 | 4.14% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $2,005,000 | $286,429 | $7,969 | 3.98% |
| Centralia, WA (FHA|USDA|VA) | 5 | $1,895,000 | $379,000 | $15,192 | 4.70% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $1,880,000 | $313,333 | $7,968 | 4.54% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,845,000 | $369,000 | $6,545 | 4.45% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $1,680,000 | $210,000 | $8,688 | 4.77% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $10,971 | 5.43% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $1,630,000 | $815,000 | $17,901 | 6.81% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $9,204 | 4.96% |
| Moscow, ID (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $6,582 | 3.75% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 7 | $1,595,000 | $227,857 | $7,324 | 5.02% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $5,803 | 4.43% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $7,191 | 4.90% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 8 | $1,500,000 | $187,500 | $8,673 | 4.87% |
| Outside of Metro Areas | 6 | $1,490,000 | $248,333 | $7,462 | 4.35% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $13,827 | 4.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $11,903 | 4.71% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $31,949 | 4.31% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $8,746 | 4.58% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $1,385,000 | $1,385,000 | $6,123 | 3.13% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $12,515 | 5.31% |
| COLUMBUS, OH (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $7,246 | 4.84% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $6,657 | 4.34% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $5,418 | 4.47% |
| Torrington, CT (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $7,761 | 5.19% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $6,165 | 4.60% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $4,545 | 4.59% |
| LANCASTER, PA (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $8,101 | 4.32% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $5,741 | 4.28% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $1,145,000 | $1,145,000 | $9,142 | 5.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $11,499 | 4.72% |
| OCALA, FL (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $8,509 | 4.73% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $13,305 | 4.67% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $9,203 | 5.04% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $5,245 | 4.28% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $5,049 | 5.63% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $16,586 | 3.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $8,980 | 4.66% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $4,679 | 4.50% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $9,243 | 3.62% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $9,795 | 4.42% |
| YAKIMA, WA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $5,744 | 4.97% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $6,022 | 4.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $5,607 | 3.92% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $10,921 | 3.84% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $13,280 | 4.00% |
| LEBANON, PA (FHA|USDA|VA) | 7 | $925,000 | $132,143 | $5,282 | 5.20% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $10,605 | 3.58% |
| WICHITA, KS (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $6,228 | 5.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $8,678 | 4.84% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $8,590 | 4.29% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $11,217 | 4.56% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $5,393 | 4.12% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $5,598 | 3.88% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $8,286 | 4.42% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $10,874 | 4.79% |
| TULSA, OK (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $11,158 | 4.83% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,946 | 4.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $7,245 | 4.21% |
| Forest City, NC (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $10,942 | 5.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $5,905 | 4.54% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $32,616 | 5.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $8,932 | 3.33% |
| Concord, NH (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,167 | 5.18% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $6,332 | 3.69% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $12,517 | 3.19% |
| Hilo, HI (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $21,608 | 5.25% |
| Boone, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $4,218 | 5.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $12,716 | 4.63% |
| GETTYSBURG, PA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,724 | 5.17% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $7,883 | 4.71% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,753 | 4.96% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $8,194 | 3.94% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,918 | 2.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $11,958 | 6.75% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,773 | 5.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,703 | 5.25% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $9,217 | 6.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $9,183 | 4.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $11,998 | 5.50% |
| Crossville, TN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,465 | 3.75% |
| FLINT, MI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $9,273 | 5.19% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,296 | 4.56% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,605 | 3.62% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,079 | 4.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,752 | 5.31% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 6.13% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,909 | 4.00% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $9,156 | 6.13% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,386 | 4.44% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,839 | 4.19% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $9,744 | 3.50% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $4,563 | 4.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,800 | 4.38% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,518 | 4.25% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $11,007 | 4.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $16,495 | 3.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $14,293 | 3.56% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $20,319 | 5.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,634 | 3.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,644 | 5.94% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,106 | 4.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $18,139 | 4.63% |
| Seneca, SC (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $4,367 | 4.75% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $10,553 | 5.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $18,722 | 3.50% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $23,437 | 4.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,432 | 4.88% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $8,068 | 3.69% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $11,211 | 4.50% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,289 | 2.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $11,641 | 5.44% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,906 | 4.94% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,089 | 4.50% |
| Susanville, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $14,849 | 4.12% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,296 | 5.63% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $19,784 | 5.25% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,801 | 5.56% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,191 | 3.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,377 | 5.81% |
| Clarksburg, WV (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,648 | 4.19% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,925 | 5.13% |
| Blackfoot, ID (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,182 | 4.31% |
| Easton, MD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,786 | 4.75% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,441 | 4.13% |
| Brevard, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,828 | 6.00% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,475 | 4.88% |
| BANGOR, ME (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,216 | 6.06% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,878 | 5.13% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,677 | 3.63% |
| Meadville, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,419 | 3.38% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,286 | 3.13% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,343 | 5.63% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 8.99% |
| MADISON, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,712 | 4.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,769 | 3.38% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,005 | 4.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,409 | 3.38% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $16,695 | 4.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $17,599 | 3.75% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,718 | 3.75% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $16,918 | 4.75% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,490 | 4.37% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,987 | 3.38% |
| Shelton, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,328 | 3.13% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,413 | 5.75% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,897 | 3.75% |
| Garden City, KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,503 | 6.13% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,760 | 5.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,085 | 5.94% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $6,399 | 6.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,328 | 6.25% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,868 | 3.50% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,204 | 7.00% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,113 | 5.63% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,858 | 5.63% |
| Payson, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,747 | 3.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,595 | 5.13% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,514 | 3.75% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,079 | 4.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,242 | 4.56% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,513 | 6.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,771 | 4.38% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,747 | 3.63% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,679 | 2.75% |
| DALTON, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,821 | 6.13% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,693 | 4.50% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,799 | 3.25% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $16,053 | 5.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,614 | 3.88% |
| Fremont, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,302 | 4.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,264 | 4.13% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,540 | 4.62% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,835 | 4.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,934 | 4.63% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,692 | 3.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,535 | 3.25% |
| TYLER, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,145 | 5.00% |
| Washington, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,667 | 5.63% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,652 | 5.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,958 | 5.62% |
| Brenham, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,985 | 4.88% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,951 | 3.50% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,071 | 3.13% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,759 | 3.75% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,558 | 9.25% |
| Batavia, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,859 | 5.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,745 | 3.63% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,243 | 3.75% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,553 | 4.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,225 | 4.00% |
| Gillette, WY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,554 | 6.13% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,689 | 3.50% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,368 | 3.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,249 | 3.75% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,521 | 6.88% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,141 | 5.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,008 | 3.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,435 | 3.38% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,449 | 3.13% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,116 | 3.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $3,678 | 5.88% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,122 | 5.13% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,035 | 3.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,004 | 5.25% |
| Keene, NH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,455 | 2.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,258 | 4.38% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,579 | 3.75% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,543 | 3.63% |
| Henderson, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,070 | 5.63% |
| RACINE, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,228 | 6.12% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,095 | 4.63% |
| Danville, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,919 | 4.38% |
| Seymour, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,977 | 4.38% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,632 | 5.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,798 | 4.13% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,380 | 6.00% |
| MONROE, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,760 | 4.75% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,048 | 3.75% |
| Wooster, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,935 | 4.12% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,128 | 5.88% |
| Marion, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,566 | 4.62% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,690 | 5.99% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,596 | 2.88% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,734 | 3.50% |
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Product Mix
For 2022, First Home Bank's most frequently originated type of loan was Conventional, with 1,973 originations. Their 2nd most popular type was FHA, with 452 originations.
Loan Reason
For 2022, First Home Bank's most frequently cited loan purpose was Home Purchase, with 1,898 originations. The 2nd most popular reason was Cash Out Refi, with 551 originations.
Loan Duration/Length
For 2022, First Home Bank's most frequently cited loan duration was 30 Year, with 2,466 originations. The 2nd most popular length was 15 Year, with 107 originations.
Origination Fees/Closing Costs
First Home Bank's average total fees were $9,331, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 864 originations.
Interest Rates
During 2022, First Home Bank's average interest rate for loans was 4.78%, while their most frequently originated rate bucket for loans was 5-6%, with 863 originations.
Loan Sizing
2022 saw First Home Bank place emphasis on $200k-400k loans with 1,320 originations, totaling $386,340,000 in origination value.
Applicant Income
First Home Bank lent most frequently to those with incomes in the $100k-150k range, with 640 originations. The second most popular income band? $50k-75k, with 576 originations.
Applicant Debt to Income Ratio
First Home Bank lent most frequently to those with DTI ratios of 30-36%, with 390 originations. The next most common DTI ratio? 20-30%, with 381 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.38%
First Home Bank has an average approval rate.
Pick Rate
Approvals leading to origination60.04%
First Home Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,680 | $895,470,000 | $334,131 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |