First Bank Mortgage Rates, Fees & Info

Creve Coeur, MO

LEI: 549300DT7WZ1SOTNFJ62

Tax ID: 43-0231490

5 stars - Updated: 5/27/24 - out of 5 stars, based on 49 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

First Bank is a smaller bank specializing in Home Purchase loans. First 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: Los Angeles, Kansas City, St. Louis, San Francisco, and Omaha among others. We have data for 112 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 relatively high 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) 5.56% 5/27/24
30 Year Conventional Purchase 6.43% 5/27/24
30 Year Conventional Refi 6.35% 5/27/24
30 Year Cash-out Refi 6.57% 5/27/24
30 Year FHA Purchase 7.36% 5/27/24
30 Year FHA Refi 7.08% 5/27/24
30 Year VA Purchase 6.23% 5/27/24
30 Year USDA Purchase 6.61% 5/27/24
15 Year Conventional Purchase 6.17% 5/27/24
15 Year Conventional Refi 5.98% 5/27/24
15 Year Cash-out Refi 5.98% 5/27/24
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 Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First 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

2,394

Origination Dollar Volume (All Markets)

$709,210,000
Show all (11) awards

Relative Rate

First Bank's average 30 year fixed mortgage rate was 6.53%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.05%.

Relative Fees (Closing Costs)

First Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,736.

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 $9,089.

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) 444 $141,960,000 $319,730 $7,405 6.47%
KANSAS CITY, MO-KS (FHA|USDA|VA) 491 $141,645,000 $288,483 $4,088 6.44%
ST. LOUIS, MO-IL (FHA|USDA|VA) 600 $132,610,000 $221,017 $4,170 6.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 94 $41,820,000 $444,894 $8,417 6.53%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 101 $27,645,000 $273,713 $4,109 6.25%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 85 $24,725,000 $290,882 $9,123 6.60%
LINCOLN, NE (FHA|USDA|VA) 77 $22,635,000 $293,961 $4,004 6.34%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 33 $19,265,000 $583,788 $8,782 6.85%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 29 $16,505,000 $569,138 $6,469 7.09%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 64 $16,500,000 $257,813 $8,120 6.50%
Outside of Metro Areas 45 $13,505,000 $300,111 $4,322 6.70%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 63 $13,395,000 $212,619 $5,567 6.39%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 48 $11,710,000 $243,958 $3,922 6.40%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $10,010,000 $5,005,000 $5,638 7.08%
VALLEJO, CA (FHA|USDA|VA) 28 $7,470,000 $266,786 $6,712 6.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 12 $5,880,000 $490,000 $5,077 6.44%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $2,500,000 $625,000 $8,809 6.53%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $2,435,000 $487,000 $6,221 6.28%
NAPA, CA (FHA|USDA|VA) 3 $2,285,000 $761,667 $23,747 5.87%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $2,170,000 $361,667 $7,692 6.77%
Ottawa, KS (FHA|USDA|VA) 6 $2,170,000 $361,667 $5,291 6.29%
Outside of Metro Areas 2 $2,110,000 $1,055,000 $5,424 5.63%
STOCKTON, CA (FHA|USDA|VA) 7 $1,855,000 $265,000 $11,250 5.55%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $1,750,000 $437,500 $5,430 7.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,705,000 $568,333 $5,607 6.71%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $1,540,000 $770,000 $5,287 6.44%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,500,000 $750,000 $14,558 6.56%
Warrensburg, MO (FHA|USDA|VA) 4 $1,410,000 $352,500 $6,162 7.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,305,000 $435,000 $4,309 6.54%
TOPEKA, KS (FHA|USDA|VA) 6 $1,300,000 $216,667 $3,806 6.85%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $1,285,000 $257,000 $8,576 6.10%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,230,000 $615,000 $6,391 6.25%
LAWRENCE, KS (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,399 6.65%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $1,095,000 $365,000 $3,559 7.17%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 5 $1,085,000 $217,000 $3,172 6.15%
Farmington, MO (FHA|USDA|VA) 3 $975,000 $325,000 $4,677 6.96%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $870,000 $435,000 $8,645 6.88%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $870,000 $435,000 $10,209 7.13%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $780,000 $390,000 $0 6.25%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $730,000 $365,000 $6,717 7.13%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $725,000 $725,000 $13,278 6.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $725,000 $725,000 $12,278 7.63%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $680,000 $340,000 $5,907 7.81%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $670,000 $335,000 $3,473 7.38%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $665,000 $221,667 $7,003 6.54%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $630,000 $105,000 $9,613 6.14%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $625,000 $625,000 $4,788 6.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $605,000 $605,000 $3,396 5.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $595,000 $595,000 $6,388 5.63%
Branson, MO (FHA|USDA|VA) 2 $590,000 $295,000 $3,018 6.56%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $575,000 $575,000 $7,605 7.38%
SALINAS, CA (FHA|USDA|VA) 1 $575,000 $575,000 $0 7.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $570,000 $285,000 $3,066 6.44%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $545,000 $545,000 $3,307 7.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $545,000 $545,000 $6,365 5.50%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $540,000 $270,000 $3,833 6.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $540,000 $270,000 $4,176 6.56%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $525,000 $525,000 $5,160 7.25%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $515,000 $171,667 $3,822 6.54%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $485,000 $485,000 $13,909 6.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $455,000 $455,000 $16,620 6.25%
RICHMOND, VA (FHA|USDA|VA) 1 $435,000 $435,000 $11,722 7.13%
LOUISVILLE, KY (FHA|USDA|VA) 1 $435,000 $435,000 $3,763 5.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $435,000 $435,000 $0 8.13%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $425,000 $425,000 $5,522 6.63%
GREELEY, CO (FHA|USDA|VA) 1 $425,000 $425,000 $10,011 6.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $405,000 $405,000 $2,906 6.13%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.75%
Miami, OK (FHA|USDA|VA) 1 $385,000 $385,000 $4,273 6.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $385,000 $385,000 $5,238 6.13%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $375,000 $375,000 $4,686 7.38%
MONROE, MI (FHA|USDA|VA) 1 $375,000 $375,000 $450 6.75%
SALEM, OR (FHA|USDA|VA) 1 $365,000 $365,000 $3,913 5.63%
JOPLIN, MO (FHA|USDA|VA) 1 $365,000 $365,000 $14,214 5.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $5,604 6.00%
Pittsburg, KS (FHA|USDA|VA) 1 $345,000 $345,000 $3,830 6.38%
WICHITA, KS (FHA|USDA|VA) 2 $340,000 $170,000 $3,132 6.94%
Lexington, NE (FHA|USDA|VA) 2 $330,000 $165,000 $3,483 6.06%
ROCKFORD, IL (FHA|USDA|VA) 1 $325,000 $325,000 $4,171 7.50%
Beatrice, NE (FHA|USDA|VA) 1 $315,000 $315,000 $2,117 6.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $315,000 $315,000 $4,015 5.75%
JACKSON, MI (FHA|USDA|VA) 1 $305,000 $305,000 $6,221 7.38%
Oskaloosa, IA (FHA|USDA|VA) 1 $305,000 $305,000 $2,761 7.13%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $295,000 $295,000 $2,555 7.38%
Brenham, TX (FHA|USDA|VA) 1 $295,000 $295,000 $5,302 7.88%
MODESTO, CA (FHA|USDA|VA) 2 $290,000 $145,000 $4,058 5.81%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $285,000 $285,000 $3,319 7.63%
RAPID CITY, SD (FHA|USDA|VA) 1 $275,000 $275,000 $3,121 5.88%
MONTGOMERY, AL (FHA|USDA|VA) 1 $265,000 $265,000 $4,138 6.88%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $265,000 $265,000 $4,239 7.25%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $255,000 $255,000 $2,417 6.38%
Clearlake, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 8.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $255,000 $255,000 $3,391 5.38%
Meadville, PA (FHA|USDA|VA) 1 $255,000 $255,000 $5,071 6.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.13%
COLUMBIA, MO (FHA|USDA|VA) 1 $225,000 $225,000 $2,235 6.00%
OCALA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,686 7.38%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,882 6.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.88%
LaGrange, GA-AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.88%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $135,000 $135,000 $5,229 5.75%
Quincy, IL-MO (FHA|USDA|VA) 1 $135,000 $135,000 $3,119 7.25%
FRESNO, CA (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $125,000 $125,000 $3,353 6.75%
Fremont, NE (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.75%
Jacksonville, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,937 7.63%
Emporia, KS (FHA|USDA|VA) 1 $75,000 $75,000 $4,366 6.50%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
Hannibal, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.99%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.75%
YUBA CITY, CA (FHA|USDA|VA) 1 $5,000 $5,000 $0 5.75%
First Bank's top markets include Los Angeles, Kansas City, St. Louis, San Francisco, and Omaha among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • 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.

    COASTHILLS
    Similarity Rank: 45
    First Savings Bank of Hegewisch
    Similarity Rank: 46
    METRO CU
    Similarity Rank: 56
    Los Angeles Federal Credit Union
    Similarity Rank: 72
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 72
    South Metro Federal Credit Union
    Similarity Rank: 75
    MISSION
    Similarity Rank: 93
    VENTURA COUNTY
    Similarity Rank: 96
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 126

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,127 $427,425,000 $379,259 $3,999 6.43%
    HELOC 1,067 $221,245,000 $207,352 n/a 6.54%
    FHA 137 $37,095,000 $270,766 $8,717 6.52%
    VA 60 $22,850,000 $380,833 $5,719 6.38%
    USDA 3 $595,000 $198,333 $5,504 7.38%

    For 2023, First Bank's most frequently originated type of loan was Conventional, with 1,127 originations. Their 2nd most popular type was HELOC, with 1,067 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,181 $407,455,000 $345,008 $4,626 6.44%
    Other 601 $122,265,000 $203,436 $3,690 6.37%
    Home Improvement 282 $59,110,000 $209,610 $4,979 6.54%
    Refi 250 $92,850,000 $371,400 $4,207 6.90%
    Cash Out Refi 80 $27,530,000 $344,125 $5,026 6.42%

    For 2023, First Bank's most frequently cited loan purpose was Home Purchase, with 1,181 originations. The 2nd most popular reason was Other, with 601 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,268 $442,190,000 $348,730 $4,736 6.53%
    Other 1,068 $220,550,000 $206,507 $0 6.54%
    10 Year 25 $1,135,000 $45,400 $533 1.33%
    15 Year 15 $4,205,000 $280,333 $3,557 6.14%
    20 Year 7 $2,165,000 $309,286 $3,719 6.52%
    5 Year 6 $17,690,000 $2,948,333 $0 7.15%
    3 Year 4 $19,270,000 $4,817,500 $0 6.79%
    1 Year 1 $2,005,000 $2,005,000 $0 8.25%

    For 2023, First Bank's most frequently cited loan duration was 30 Year, with 1,268 originations. The 2nd most popular length was Other, with 1,068 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 848 $292,520,000 $344,953
    $2k-3k 118 $39,310,000 $333,136
    $<1k 98 $27,980,000 $285,510
    $5k+ 60 $33,170,000 $552,833
    $3k-4k 47 $15,435,000 $328,404
    $4k-5k 28 $11,930,000 $426,071

    First Bank's average total fees were $4,736, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 848 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 922 $303,290,000 $328,948
    5-6% 777 $203,825,000 $262,323
    7-8% 353 $129,015,000 $365,482
    Over 8% 205 $46,695,000 $227,780
    4-5% 99 $19,935,000 $201,364
    <2.5% 25 $225,000 $9,000
    3-4% 12 $5,970,000 $497,500
    2.5-3% 1 $255,000 $255,000

    During 2023, First Bank's average interest rate for loans was 6.53%, while their most frequently originated rate bucket for loans was 6-7%, with 922 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 895 $251,785,000 $281,324 $4,437 6.55%
    $100k-200k 570 $83,070,000 $145,737 $3,801 6.55%
    $400k-600k 394 $188,860,000 $479,340 $5,634 6.59%
    $100,000 or less 390 $21,600,000 $55,385 $1,750 6.14%
    $600k-1MM 98 $73,790,000 $752,959 $6,425 6.44%
    $1MM+ 47 $90,105,000 $1,917,128 $7,383 6.44%

    2023 saw First Bank place emphasis on $200k-400k loans with 895 originations, totaling $251,785,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 593 $181,005,000 $305,236 $4,890 6.57%
    $100k-150k 549 $126,385,000 $230,209 $4,671 6.55%
    $250k+ 475 $227,135,000 $478,179 $5,734 6.54%
    $75k-100k 322 $64,640,000 $200,745 $4,364 6.47%
    $50k-75k 303 $50,415,000 $166,386 $4,127 6.36%
    $50k or less 109 $11,845,000 $108,670 $3,595 6.08%

    First Bank lent most frequently to those with incomes in the $150k-250k range, with 593 originations. The second most popular income band? $100k-150k, with 549 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 396 $120,410,000 $304,066 $4,320 6.49%
    20-30% 391 $105,325,000 $269,373 $4,141 6.50%
    49% 278 $62,770,000 $225,791 $5,886 6.62%
    <20% 143 $36,455,000 $254,930 $4,110 6.32%
    48% 115 $29,685,000 $258,130 $4,669 6.46%
    42% 105 $38,365,000 $365,381 $4,516 6.16%
    41% 103 $32,555,000 $316,068 $4,956 6.62%
    43% 94 $23,880,000 $254,043 $4,491 6.47%
    40% 90 $26,150,000 $290,556 $4,040 6.53%
    39% 89 $26,485,000 $297,584 $4,474 6.56%
    44% 83 $20,795,000 $250,542 $4,634 6.49%
    38% 82 $22,220,000 $270,976 $3,940 6.19%
    45% 78 $18,940,000 $242,821 $5,604 6.45%
    36% 77 $27,615,000 $358,636 $4,907 6.59%
    37% 71 $25,235,000 $355,423 $4,349 6.45%
    47% 68 $16,430,000 $241,618 $5,264 6.62%
    46% 67 $17,825,000 $266,045 $5,539 6.51%
    50-60% 46 $14,910,000 $324,130 $7,423 6.27%
    >60% 5 $2,885,000 $577,000 $5,729 6.45%

    First Bank lent most frequently to those with DTI ratios of 30-36%, with 396 originations. The next most common DTI ratio? 20-30%, with 391 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,734 $482,430,000 $278,218 $4,413 6.50%
    Asian 233 $77,765,000 $333,755 $6,645 6.46%
    Not provided 277 $76,645,000 $276,697 $4,869 6.47%
    Not applicable 10 $37,760,000 $3,776,000 $0 6.95%
    Black 97 $20,415,000 $210,464 $5,462 6.34%
    Asian Indian 8 $3,900,000 $487,500 $4,100 6.58%
    American Indian 9 $2,725,000 $302,778 $4,061 6.38%
    Filipino 9 $2,305,000 $256,111 $4,687 5.93%
    Other Asian 5 $1,745,000 $349,000 $6,626 4.88%
    Other Pacific Islander 4 $1,710,000 $427,500 $5,679 6.50%
    Native Hawaiian or Islander 3 $705,000 $235,000 $2,835 7.71%
    Korean 2 $660,000 $330,000 $5,644 7.06%
    Vietnamese 2 $340,000 $170,000 $3,004 7.81%
    Japanese 1 $105,000 $105,000 $0 6.74%

    Approval Rates

    Total approvals of all applications
    77.41%

    First Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    82.33%

    First Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,394 $709,210,000 $296,245

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,394 $709,210,000 $296,245

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 485 $145,105,000 $299,186 $4,057 6.53%
    40-60% 205 $77,925,000 $380,122 $4,194 6.48%
    60-80% 430 $171,000,000 $397,674 $4,604 6.60%
    80-100% 670 $224,200,000 $334,627 $4,849 6.58%
    Over 100% 11 $3,825,000 $347,727 $12,269 6.36%
    Under 20% 593 $87,155,000 $146,973 $1,152 6.25%