First Bank Mortgage Rates, Fees & Info

Creve Coeur, MO

LEI: 549300DT7WZ1SOTNFJ62

Tax ID: 43-0231490

5 stars - out of 5 stars, based on 67 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    First Bank is a small bank specializing in Refi, Home Purchase, and Cash Out Refi loans. First Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, St. Louis, San Francisco, Kansas City, and Omaha among others. We have data for 155 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First 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 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
    Home Equity Line of Credit (HELOC) 6.44% 10/3/22
    30 Year Conventional Purchase 6.52% 10/3/22
    30 Year Conventional Refi 6.41% 10/3/22
    30 Year Cash-out Refi 6.56% 10/3/22
    30 Year FHA Purchase 7.12% 10/3/22
    30 Year FHA Refi 6.79% 10/3/22
    30 Year VA Purchase 6.08% 10/3/22
    30 Year VA Refi 5.92% 10/3/22
    30 Year USDA Purchase 6.53% 10/3/22
    15 Year Conventional Purchase 6.06% 10/3/22
    15 Year Conventional Refi 6.20% 10/3/22
    15 Year Cash-out Refi 6.20% 10/3/22
    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.


    Originations

    4,528

    Origination Dollar Volume (All Markets)

    $1,233,800,000

    Employee count

    881 Show all (9) awards

    Relative Rate

    First Bank's average 30 year fixed mortgage rate was 3.02%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.13%.

    Relative Fees (Closing Costs)

    First Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,921.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 694 $263,840,000 $380,173 $4,981 3.08%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1,121 $209,345,000 $186,748 $2,963 2.99%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 312 $146,780,000 $470,449 $5,059 3.02%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 537 $134,815,000 $251,052 $3,321 2.92%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 566 $126,860,000 $224,134 $2,938 2.88%
    LINCOLN, NE (FHA|USDA|VA) 203 $43,025,000 $211,946 $3,500 2.83%
    VALLEJO, CA (FHA|USDA|VA) 105 $34,055,000 $324,333 $5,069 3.07%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 130 $32,090,000 $246,846 $4,869 3.14%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 119 $31,865,000 $267,773 $5,301 3.13%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 92 $28,050,000 $304,891 $4,522 3.02%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 70 $24,810,000 $354,429 $5,154 3.04%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 58 $18,990,000 $327,414 $3,870 3.07%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 45 $17,595,000 $391,000 $4,320 3.02%
    Outside of Metro Areas 86 $14,180,000 $164,884 $3,046 2.88%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 34 $13,700,000 $402,941 $4,163 3.10%
    STOCKTON, CA (FHA|USDA|VA) 16 $5,710,000 $356,875 $4,647 2.92%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 10 $3,750,000 $375,000 $3,203 2.88%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 14 $3,170,000 $226,429 $3,700 2.73%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $3,120,000 $390,000 $3,929 2.67%
    NAPA, CA (FHA|USDA|VA) 7 $2,505,000 $357,857 $5,138 2.80%
    Farmington, MO (FHA|USDA|VA) 18 $2,310,000 $128,333 $2,263 2.92%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $2,245,000 $449,000 $4,674 2.80%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $2,200,000 $366,667 $3,910 3.33%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $2,175,000 $310,714 $4,263 3.16%
    LAWRENCE, KS (FHA|USDA|VA) 9 $2,075,000 $230,556 $3,032 2.81%
    MODESTO, CA (FHA|USDA|VA) 7 $1,965,000 $280,714 $4,756 2.93%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $1,905,000 $272,143 $4,334 3.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $1,635,000 $233,571 $3,699 3.20%
    BOISE CITY, ID (FHA|USDA|VA) 2 $1,480,000 $740,000 $4,786 3.44%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,415,000 $471,667 $5,453 2.92%
    BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,340,000 $335,000 $4,171 2.84%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,315,000 $438,333 $5,110 2.92%
    RENO, NV (FHA|USDA|VA) 3 $1,295,000 $431,667 $3,344 2.54%
    COLUMBIA, MO (FHA|USDA|VA) 5 $1,295,000 $259,000 $2,629 2.70%
    CHICO, CA (FHA|USDA|VA) 2 $1,260,000 $630,000 $4,856 2.87%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $1,185,000 $237,000 $7,067 2.94%
    JEFFERSON CITY, MO (FHA|USDA|VA) 5 $1,155,000 $231,000 $4,505 2.83%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,100,000 $275,000 $2,159 3.38%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $1,040,000 $520,000 $5,755 2.88%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,035,000 $345,000 $4,162 3.54%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $1,035,000 $207,000 $0 3.44%
    Beatrice, NE (FHA|USDA|VA) 7 $1,035,000 $147,857 $2,895 2.96%
    FRESNO, CA (FHA|USDA|VA) 4 $1,000,000 $250,000 $6,290 2.47%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $970,000 $485,000 $5,136 2.75%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $915,000 $305,000 $5,026 2.96%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $900,000 $225,000 $4,905 3.03%
    PUNTA GORDA, FL (FHA|USDA|VA) 4 $830,000 $207,500 $3,837 2.47%
    Fremont, NE (FHA|USDA|VA) 5 $805,000 $161,000 $4,017 2.45%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $790,000 $395,000 $12,893 2.44%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $790,000 $395,000 $3,828 2.63%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $775,000 $775,000 $5,258 2.88%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $750,000 $375,000 $5,620 2.44%
    SALINAS, CA (FHA|USDA|VA) 1 $735,000 $735,000 $14,688 2.88%
    PEORIA, IL (FHA|USDA|VA) 3 $735,000 $245,000 $2,583 2.54%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 4 $670,000 $167,500 $2,164 2.56%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $660,000 $165,000 $2,863 2.94%
    SPRINGFIELD, MO (FHA|USDA|VA) 4 $640,000 $160,000 $2,688 3.41%
    Hastings, NE (FHA|USDA|VA) 3 $615,000 $205,000 $2,682 2.75%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $610,000 $152,500 $2,530 2.91%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $600,000 $300,000 $4,090 2.56%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3 $585,000 $195,000 $2,790 3.25%
    ASHEVILLE, NC (FHA|USDA|VA) 2 $580,000 $290,000 $5,676 2.81%
    MANHATTAN, KS (FHA|USDA|VA) 2 $570,000 $285,000 $2,318 2.63%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $570,000 $285,000 $4,622 2.75%
    TOPEKA, KS (FHA|USDA|VA) 3 $565,000 $188,333 $2,352 2.75%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $560,000 $280,000 $6,686 3.00%
    Ellensburg, WA (FHA|USDA|VA) 2 $550,000 $275,000 $3,291 3.50%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $545,000 $545,000 $5,424 2.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $545,000 $181,667 $2,517 3.08%
    Quincy, IL-MO (FHA|USDA|VA) 3 $545,000 $181,667 $3,048 3.08%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $520,000 $260,000 $1,948 2.56%
    TULSA, OK (FHA|USDA|VA) 2 $520,000 $260,000 $5,314 3.06%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $510,000 $255,000 $3,479 2.88%
    Astoria, OR (FHA|USDA|VA) 1 $485,000 $485,000 $4,638 3.00%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $485,000 $485,000 $2,986 2.75%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $465,000 $155,000 $2,579 2.79%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $455,000 $151,667 $3,593 2.58%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $445,000 $148,333 $3,637 2.92%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $445,000 $445,000 $3,598 3.00%
    Ottawa, KS (FHA|USDA|VA) 2 $440,000 $220,000 $5,424 3.19%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $440,000 $220,000 $7,615 2.75%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $435,000 $435,000 $2,602 2.88%
    MERCED, CA (FHA|USDA|VA) 2 $410,000 $205,000 $3,586 3.00%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $410,000 $205,000 $4,087 2.69%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $400,000 $200,000 $3,733 2.63%
    Rock Springs, WY (FHA|USDA|VA) 1 $395,000 $395,000 $3,269 2.88%
    Red Bluff, CA (FHA|USDA|VA) 1 $395,000 $395,000 $9,397 2.75%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $385,000 $385,000 $4,579 3.63%
    Warrensburg, MO (FHA|USDA|VA) 1 $385,000 $385,000 $3,041 3.13%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $380,000 $190,000 $5,143 2.94%
    RAPID CITY, SD (FHA|USDA|VA) 2 $370,000 $185,000 $2,414 2.50%
    GREENVILLE, NC (FHA|USDA|VA) 1 $355,000 $355,000 $3,675 2.88%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $355,000 $355,000 $3,887 2.25%
    Oxford, MS (FHA|USDA|VA) 1 $355,000 $355,000 $2,737 2.88%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $350,000 $175,000 $2,337 2.88%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $335,000 $335,000 $2,799 3.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $335,000 $335,000 $11,195 2.75%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $320,000 $160,000 $2,812 2.94%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $315,000 $315,000 $3,897 2.75%
    Clearlake, CA (FHA|USDA|VA) 1 $315,000 $315,000 $3,594 2.88%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $305,000 $305,000 $2,686 2.75%
    Salina, KS (FHA|USDA|VA) 1 $305,000 $305,000 $4,471 2.25%
    JOPLIN, MO (FHA|USDA|VA) 1 $305,000 $305,000 $3,351 3.25%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $295,000 $295,000 $3,516 2.25%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $295,000 $295,000 $2,939 2.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $285,000 $285,000 $13,154 2.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $275,000 $275,000 $4,234 3.00%
    Spirit Lake, IA (FHA|USDA|VA) 1 $275,000 $275,000 $2,969 2.63%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $265,000 $265,000 $5,567 3.25%
    Hays, KS (FHA|USDA|VA) 1 $265,000 $265,000 $2,518 2.88%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $265,000 $265,000 $2,572 2.38%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $265,000 $265,000 $3,175 2.25%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $255,000 $255,000 $3,418 3.25%
    ROCHESTER, MN (FHA|USDA|VA) 1 $245,000 $245,000 $3,168 2.25%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $7,717 2.75%
    Newport, OR (FHA|USDA|VA) 1 $235,000 $235,000 $4,870 3.38%
    MADERA, CA (FHA|USDA|VA) 1 $235,000 $235,000 $4,015 3.25%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $6,946 2.63%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $225,000 $225,000 $7,324 3.25%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $215,000 $215,000 $1,811 2.63%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $210,000 $105,000 $0 3.38%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $205,000 $205,000 $2,967 3.00%
    Rolla, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,883 3.25%
    Coos Bay, OR (FHA|USDA|VA) 1 $205,000 $205,000 $5,070 3.50%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,939 2.75%
    EL PASO, TX (FHA|USDA|VA) 2 $190,000 $95,000 $0 3.38%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,657 3.00%
    Pittsburg, KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,756 3.25%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,275 2.88%
    Scottsbluff, NE (FHA|USDA|VA) 1 $175,000 $175,000 $2,676 3.25%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,655 2.38%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $175,000 $175,000 $4,667 3.00%
    WICHITA, KS (FHA|USDA|VA) 1 $175,000 $175,000 $2,900 2.88%
    APPLETON, WI (FHA|USDA|VA) 1 $175,000 $175,000 $1,848 2.38%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,477 3.00%
    Galesburg, IL (FHA|USDA|VA) 1 $165,000 $165,000 $4,254 2.38%
    Aberdeen, WA (FHA|USDA|VA) 1 $165,000 $165,000 $3,495 3.00%
    Sonora, CA (FHA|USDA|VA) 1 $155,000 $155,000 $2,514 2.75%
    TUCSON, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $2,992 2.75%
    Norfolk, NE (FHA|USDA|VA) 1 $155,000 $155,000 $2,763 3.25%
    Edwards, CO (FHA|USDA|VA) 1 $145,000 $145,000 $3,312 2.75%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,150 2.25%
    Susanville, CA (FHA|USDA|VA) 1 $135,000 $135,000 $3,589 3.13%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,563 2.63%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $115,000 $115,000 $4,967 3.13%
    Effingham, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,622 3.25%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,539 2.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,088 2.88%
    Branson, MO (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.38%
    HATTIESBURG, MS (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.38%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $95,000 $95,000 $2,478 2.50%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.13%
    Hannibal, MO (FHA|USDA|VA) 1 $75,000 $75,000 $2,252 2.25%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $75,000 $75,000 $4,089 3.13%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,394 3.25%

    First Bank's top markets include Los Angeles, St. Louis, San Francisco, Kansas City, and Omaha among others.

    Similar Lenders

    We use machine learning to identify the top lenders compared against First Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Savings Bank of Hegewisch
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,035 $923,515,000 $304,288 $3,288 2.94%
    HELOC 1,062 $201,700,000 $189,925 n/a 3.22%
    FHA 214 $50,070,000 $233,972 $7,047 2.79%
    VA 210 $57,140,000 $272,095 $4,245 2.57%
    USDA 7 $1,375,000 $196,429 $4,671 2.61%

    For 2021, First Bank's most frequently originated type of loan was Conventional, with 3,035 originations. Their 2nd most popular type was HELOC, with 1,062 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,487 $415,505,000 $279,425 $3,005 2.90%
    Home Purchase 1,311 $399,875,000 $305,015 $4,132 2.95%
    Cash Out Refi 836 $251,660,000 $301,029 $3,734 3.01%
    Other 725 $138,245,000 $190,683 $1,946 3.12%
    Home Improvement 169 $28,515,000 $168,728 $0 3.17%

    For 2021, First Bank's most frequently cited loan purpose was Refi, with 1,487 originations. The 2nd most popular reason was Home Purchase, with 1,311 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,651 $843,865,000 $318,320 $3,921 3.02%
    Other 1,089 $211,555,000 $194,265 $2,389 3.21%
    15 Year 497 $107,945,000 $217,193 $2,775 2.53%
    20 Year 178 $39,790,000 $223,539 $2,676 2.79%
    10 Year 97 $11,675,000 $120,361 $1,842 2.09%
    3 Year 13 $17,435,000 $1,341,154 $75 1.83%
    5 Year 3 $1,535,000 $511,667 $0 4.01%

    For 2021, First Bank's most frequently cited loan duration was 30 Year, with 2,651 originations. The 2nd most popular length was Other, with 1,089 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,472 $446,360,000 $303,234
    $<1k 1,317 $318,185,000 $241,598
    $2k-3k 169 $56,365,000 $333,521
    $3k-4k 78 $34,410,000 $441,154
    $5k+ 77 $55,255,000 $717,597
    $4k-5k 47 $22,645,000 $481,809

    First Bank's average total fees were $3,921, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,472 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,438 $651,150,000 $267,084
    3-4% 1,192 $385,240,000 $323,188
    <2.5% 682 $155,830,000 $228,490
    4-5% 214 $41,380,000 $193,364
    5-6% 2 $200,000 $100,000

    During 2021, First Bank's average interest rate for loans was 3.02%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,438 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,697 $475,745,000 $280,345 $3,688 2.95%
    $100k-200k 1,401 $208,325,000 $148,697 $2,828 2.99%
    $400k-600k 639 $308,715,000 $483,122 $4,605 2.99%
    $100,000 or less 609 $37,495,000 $61,568 $2,022 2.98%
    $600k-1MM 123 $93,485,000 $760,041 $6,873 3.18%
    $1MM+ 59 $110,035,000 $1,865,000 $7,776 3.00%

    2021 saw First Bank place emphasis on $200k-400k loans with 1,697 originations, totaling $475,745,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,003 $271,565,000 $270,753 $3,631 2.98%
    $150k-250k 879 $272,295,000 $309,778 $3,812 3.04%
    $50k-75k 813 $157,715,000 $193,991 $3,501 2.94%
    $75k-100k 650 $148,740,000 $228,831 $3,611 2.98%
    $250k+ 538 $262,680,000 $488,253 $5,433 3.10%
    $50k or less 507 $70,015,000 $138,097 $3,066 2.90%

    First Bank lent most frequently to those with incomes in the $100k-150k range, with 1,003 originations. The second most popular income band? $150k-250k, with 879 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,064 $257,820,000 $242,312 $3,317 2.98%
    30-36% 793 $225,755,000 $284,685 $3,538 2.99%
    <20% 488 $125,770,000 $257,725 $2,999 2.91%
    45% 248 $53,880,000 $217,258 $3,887 3.09%
    42% 183 $51,365,000 $280,683 $3,740 2.97%
    41% 168 $51,780,000 $308,214 $4,270 3.05%
    43% 157 $39,195,000 $249,650 $4,223 2.99%
    36% 152 $42,570,000 $280,066 $3,535 3.05%
    44% 150 $43,300,000 $288,667 $3,841 3.01%
    38% 148 $45,210,000 $305,473 $3,585 2.98%
    39% 148 $44,520,000 $300,811 $3,921 3.04%
    37% 141 $37,555,000 $266,348 $3,938 3.01%
    49% 141 $40,495,000 $287,199 $4,161 3.03%
    40% 134 $34,590,000 $258,134 $3,370 2.99%
    48% 94 $29,790,000 $316,915 $4,142 2.98%
    46% 82 $24,680,000 $300,976 $3,877 2.97%
    50-60% 75 $23,035,000 $307,133 $6,784 2.70%
    47% 70 $20,840,000 $297,714 $3,692 3.00%
    >60% 6 $1,900,000 $316,667 $3,703 2.85%

    First Bank lent most frequently to those with DTI ratios of 20-30%, with 1,064 originations. The next most common DTI ratio? 30-36%, with 793 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,332 $858,990,000 $257,800 $3,459 2.96%
    Not provided 542 $144,910,000 $267,362 $3,901 3.08%
    Asian 361 $135,585,000 $375,582 $4,306 3.00%
    Black 226 $55,600,000 $246,018 $4,372 2.93%
    Not applicable 13 $23,485,000 $1,806,538 $0 3.65%
    American Indian 16 $4,040,000 $252,500 $3,932 3.04%
    Asian Indian 8 $2,720,000 $340,000 $4,084 2.98%
    Native Hawaiian or Islander 9 $2,565,000 $285,000 $3,757 2.90%
    Other Asian 7 $1,795,000 $256,429 $2,682 3.42%
    Chinese 2 $970,000 $485,000 $3,475 2.93%
    Filipino 3 $915,000 $305,000 $2,983 2.96%
    Korean 3 $845,000 $281,667 $3,814 2.83%
    Other Pacific Islander 3 $615,000 $205,000 $3,179 2.96%
    Vietnamese 1 $285,000 $285,000 $2,902 2.88%
    Native Hawaiian 1 $255,000 $255,000 $4,091 4.63%
    Guamanian 1 $225,000 $225,000 $0 2.99%

    Approval Rates

    Total approvals of all applications
    84.80%

    First Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.99%

    First Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,528 $1,233,800,000 $272,482

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,528 $1,233,800,000 $272,482

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 676 $177,680,000 $262,840 $3,293 3.02%
    40-60% 796 $260,650,000 $327,450 $3,268 2.88%
    60-80% 1,222 $392,580,000 $321,260 $3,471 3.01%
    80-100% 1,121 $299,545,000 $267,212 $3,930 2.95%
    Over 100% 27 $9,105,000 $337,222 $11,369 2.61%
    Under 20% 667 $90,275,000 $135,345 $2,627 3.07%

    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 FHA mortgage Trouble during payment process 2 5.9%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 2.9%
    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 Conventional home mortgage Trouble during payment process 10 29.4%
    FIRST HORIZON BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
    FIRST HORIZON BANK FHA mortgage Closing on a mortgage 1 2.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Bank 1 First Missouri Center Saint Louis, MO 63141 Full Service B&M $91,951
    First Bank 11 E Lockwood Webster Groves, MO 63119 Full Service B&M $30,164
    First Bank 11010 Limonite Avenue Jurupa Valley, CA 91752 Full Service B&M $35,325
    First Bank 11481 Olive Boulevard Creve Coeur, MO 63141 Full Service B&M $13,744
    First Bank 116 Springstowne Center Vallejo, CA 94591 Full Service B&M $115,133
    First Bank 1190 Meramec Station Ballwin, MO 63021 Full Service B&M $56,304
    First Bank 11901 Olive Boulevard Creve Coeur, MO 63141 Full Service B&M $703,777
    First Bank 120 Jefferson Street St. Charles, MO 63301 Full Service B&M $41,176
    First Bank 1211 East Valley Boulevard Alhambra, CA 91801 Full Service B&M $38,866
    First Bank 1281 Graham Road Florissant, MO 63031 Full Service B&M $24,805
    First Bank 12855 Tesson Ferry Road Saint Louis, MO 63128 Full Service B&M $54,947
    First Bank 13830-A San Pablo Avenue San Pablo, CA 94806 Full Service B&M $46,667
    First Bank 14001 Manchester Road Manchester, MO 63011 Full Service B&M $71,522
    First Bank 2797 Agoura Road Westlake Village, CA 91361 Full Service B&M $95,594
    First Bank 2979 Highway K O Fallon, MO 63368 Full Service B&M $25,451
    First Bank 3001 Harbor Boulevard, Suite C Costa Mesa, CA 92626 Full Service B&M $59,923
    First Bank 301 S. Kirkwood Rd Kirkwood, MO 63122 Full Service B&M $31,224
    First Bank 3101 Zinfandel Drive Suite 100 Rancho Cordova, CA 95670 Full Service B&M $66,300
    First Bank 318 Fourth Avenue Chula Vista, CA 91910 Full Service B&M $48,389
    First Bank 3304 State Street Santa Barbara, CA 93105 Full Service B&M $80,364
    First Bank 350 Riverpark Drive East Saint Louis, IL 62201 Full Service B&M $16,188
    First Bank 3822 Cross Creek Road, Ste 3850 Malibu, CA 90265 Full Service B&M $102,593
    First Bank 383 Lamp And Lantern Village Chesterfield, MO 63017 Full Service B&M $49,447
    First Bank 3850 Jeffco Boulevard Arnold, MO 63010 Full Service B&M $40,382
    First Bank 401 Vernon Street Roseville, CA 95678 Full Service B&M $43,844
    First Bank 6200 East Pacific Coast Highway Long Beach, CA 90803 Full Service B&M $116,610
    First Bank 6211 Mid-Rivers Mall Drive Saint Charles, MO 63304 Full Service B&M $25,840
    First Bank 725 North Broadway Los Angeles, CA 90012 Full Service B&M $46,198
    First Bank 7256 Gravois Avenue Saint Louis, MO 63116 Full Service B&M $12,677
    First Bank 7495 Watson Road Saint Louis, MO 63119 Full Service B&M $44,163
    First Bank 7710 Limonite Avenue Jurupa Valley, CA 92509 Full Service B&M $63,565
    First Bank 7833 Town Square Ave Dardenne Prairie, MO 63368 Full Service B&M $30,817
    First Bank 790 East Campbell Avenue Campbell, CA 95008 Full Service B&M $47,837
    First Bank 804 W Us Highway 50 O Fallon, IL 62269 Full Service B&M $150,398
    First Bank 8201 Maryland Avenue Clayton, MO 63105 Full Service B&M $89,449
    First Bank 8251 Westminster Avenue Westminster, CA 92683 Full Service B&M $50,876
    First Bank 8450 Eager Road Saint Louis, MO 63144 Full Service B&M $8,105
    First Bank 14376 Culver Drive Irvine, CA 92604 Full Service B&M $67,996
    First Bank 15300 Veterans Memorial Parkway Wentzville, MO 63385 Full Service B&M $68,343
    First Bank 15965 Manchester Road Ellisville, MO 63011 Full Service B&M $65,054
    First Bank 1625 Douglas Boulevard Roseville, CA 95661 Full Service B&M $115,711
    First Bank 1644 West Redondo Beach Blvd Gardena, CA 90247 Full Service B&M $57,808
    First Bank 16900 Goldenwest Street Huntington Beach, CA 92647 Full Service B&M $94,501
    First Bank 1700 N Broadway, Suite 100 Walnut Creek, CA 94596 Full Service B&M $198,544
    First Bank 1730 Clarkson Road Chesterfield, MO 63017 Full Service B&M $40,902
    First Bank 17801 Ventura Boulevard, First Floor Encino, CA 91316 Full Service B&M $81,964
    First Bank 18431 Yorba Linda Blvd, Suite 2 Yorba Linda, CA 92886 Full Service B&M $105,198
    First Bank 18906 East Gale Avenue Rowland Heights, CA 91748 Full Service B&M $40,070
    First Bank 1992 Old Mission Drive, Suite 150 Solvang, CA 93463 Full Service B&M $66,466
    First Bank 2021 Zumbehl Road Saint Charles, MO 63303 Full Service B&M $21,557
    First Bank 2027 A South Broadway Santa Maria, CA 93454 Full Service B&M $32,326
    First Bank 21705 Hawthorne Blvd Torrance, CA 90503 Full Service B&M $46,758
    First Bank 21757 Erwin Street Woodland Hills, CA 91367 Full Service B&M $132,094
    First Bank 221 Salt Lick Road Saint Peters, MO 63376 Full Service B&M $24,675
    First Bank 222 North Highway 67 Florissant, MO 63031 Full Service B&M $16,073
    First Bank 2314 Proctor Valley Road Chula Vista, CA 91914 Full Service B&M $109,485
    First Bank 24 E 4th Avenue San Mateo, CA 94401 Full Service B&M $66,719
    First Bank 2462 Taylor Road Wildwood, MO 63040 Full Service B&M $8,582
    First Bank 2494 Roll Drive San Diego, CA 92154 Full Service B&M $86,705
    First Bank 2516 Lemay Ferry Road Mehlville, MO 63125 Full Service B&M $29,128
    First Bank 26562 Moulton Pkwy, Suite 62b Laguna Hills, CA 92653 Full Service B&M $45,830
    First Bank 4040 Atlantic Avenue Long Beach, CA 90807 Full Service B&M $65,017
    First Bank 4040 Green Mount Crossing Drive Shiloh, IL 62269 Full Service B&M $13,899
    First Bank 4090 North Highway 67 Florissant, MO 63034 Full Service B&M $34,249
    First Bank 4206 Lincoln Boulevard Marina Del Rey, CA 90292 Full Service B&M $77,178
    First Bank 4301 Macarthur Boulevard Newport Beach, CA 92660 Full Service B&M $405,830
    First Bank 4387 North Illinois Street Swansea, IL 62226 Full Service B&M $56,900
    First Bank 460 Montgomery Street San Francisco, CA 94104 Full Service B&M $83,863
    First Bank 501 Main Street Suite H Huntington Beach, CA 92648 Full Service B&M $60,438
    First Bank 5195 Lakewood Blvd Lakewood, CA 90712 Full Service B&M $44,731
    First Bank 556 N. 7th Street, Unit 101 Saint Louis, MO 63101 Full Service B&M $7,819
    First Bank 5808 Telephone Rd Ventura, CA 93003 Full Service B&M $59,400
    First Bank 600 James S. Mcdonnell Blvd. Hazelwood, MO 63042 Full Service Cyber Office $341,521
    First Bank 848 Duarte Road Arcadia, CA 91007 Full Service B&M $49,164
    First Bank 8820 Wilshire Blvd, Ste 100 Beverly Hills, CA 90211 Full Service B&M $179,102
    First Bank 8917 Riverview Drive Saint Louis, MO 63137 Full Service B&M $9,170
    First Bank 9901 Manchester Saint Louis, MO 63122 Full Service B&M $13,698
    First Bank 1000 Taraval Street San Francisco, CA 94116 Full Service B&M $88,052
    First Bank 104 East Ontario Avenue Corona, CA 92879 Full Service B&M $75,789
    First Bank 10710 Veterans Memorial Parkway Lake Saint Louis, MO 63367 Full Service B&M $71,208

    For 2021, First Bank had 80 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $184,348
    Net interest income $175,637
    Total noninterest income $62,389
    Gross Fiduciary activities income $5,724
    Service charges on deposit accounts $15,021
    Trading account gains and fees $826
    Additional Noninterest Income $40,818
    Pre-tax net operating income $80,618
    Securities gains (or losses, -) $-124
    Income before extraordinary items $61,509
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $61,509
    Minority interest net income $0
    Net income $61,509
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $61,606

    First Bank's gross interest income from loans was $184,348,000.
    First Bank's net interest income from loans was $175,637,000.
    First Bank's fee based income from loans was $15,021,000.
    First Bank's net income from loans was $61,509,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,711
    Provision for credit losses $-5,750
    Total noninterest expense $163,158
    Salaries and employee benefits $98,437
    Premises and equipment expense $24,395
    Additional noninterest expense $40,326
    Applicable income taxes $18,985
    Net charge-offs $10,447
    Cash dividends $95,000

    First Bank's interest expense for loans was $8,711,000.
    First Bank's payroll and benefits expense were $98,437,000.
    First Bank's property, plant and equipment expenses $24,395,000.

    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 0.0%
    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 $6,281,918
    Deposits held in domestic offices $6,281,918
    Deposits by Individuals, partnerships, and corporations $5,705,263
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $566,799
    Deposits by Commercial banks and other depository institutions in U.S. $9,856
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $705,454
    Demand deposits $705,454
    Nontransaction accounts $5,576,464
    Money market deposit accounts (MMDAs) $4,692,262
    Other savings deposits (excluding MMDAs) $329,153
    Total time deposits $555,049
    Total time and savings deposits $5,576,464
    Noninterest-bearing deposits $2,127,419
    Interest-bearing deposits $4,154,499
    Retail deposits $6,102,714
    IRAs and Keogh plan accounts $48,410
    Brokered deposits $48,045
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,920,266
    Cash & Balances due from depository institutions $860,863
    Interest-bearing balances $801,357
    Total securities $2,588,494
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,194,381
    Loan and leases loss allowance $35,702
    Trading account assets $6,988
    Bank premises and fixed assets $58,737
    Other real estate owned $814
    Goodwill and other intangibles $22,131
    All other assets $187,858

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,920,266
    Total Liabilities $6,321,894
    Total deposits $6,281,918
    Interest-bearing deposits $4,154,499
    Deposits held in domestic offices $6,281,918
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $39,976

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,194,381
    Loan and leases loss allowance $35,702
    Total loans and leases (domestic) $3,230,083
    All real estate loans $2,539,447
    Real estate loans in domestic offices $2,539,447
    Construction and development loans $50,287
    Residential 1-4 family construction $3,976
    Other construction, all land development and other land $46,311
    Loans secured by nonfarm nonresidential properties $1,525,053
    Nonfarm nonresidential secured by owner-occupied properties $662,543
    Commercial real estate & other non-farm, non-residential $862,510
    Multifamily residential real estate $165,511
    1-4 family residential loans $793,325
    Farmland loans $5,271
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $669,627
    To non-U.S. addressees $14,636
    Loans to individuals $18,985
    Credit card loans $0
    Related Plans $15,569
    Consumer Auto Loans $1,775
    Other loans to individuals $1,641
    All other loans & leases $4,646
    Loans to foreign governments and official institutions $0
    Other loans $4,398
    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 $7,324
    Non 1-4 family restructured loans & leases $75
    Total loans and leases (foreign) $0

    First Bank had $3,194,381,000 of loans outstanding in 2021. $2,539,447,000 of loans were in real estate loans. $50,287,000 of loans were in development loans. $165,511,000 of loans were in multifamily mortgage loans. $793,325,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,775,000 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 466 $162,159 $347,981
    Nonfarm, nonresidential loans - <$100k 42 $2,729 $64,976
    Nonfarm, nonresidential loans - $100-250k 84 $9,160 $109,048
    Nonfarm, nonresidential loans - $250k-1MM 340 $150,270 $441,971
    Commercial & Industrial, US addressed loans - <$1MM 2,827 $124,886 $44,176
    Commercial & Industrial, US addressed loans - <$100k 2,309 $39,199 $16,977
    Commercial & Industrial, US addressed loans - $100-250k 257 $23,018 $89,564
    Commercial & Industrial, US addressed loans - $250k-1MM 261 $62,669 $240,111
    Farmland loans - <$1MM 3 $345 $115,000
    Farmland loans - $100-250k 3 $345 $115,000