First Bank Mortgage Rates, Fees & Info
Creve Coeur, MOLEI: 549300DT7WZ1SOTNFJ62
Tax ID: 43-0231490
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Mortgage Data
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 a low 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.56% | 4/22/24 |
| 30 Year Conventional Purchase | 6.43% | 4/22/24 |
| 30 Year Conventional Refi | 6.35% | 4/22/24 |
| 30 Year Cash-out Refi | 6.57% | 4/22/24 |
| 30 Year FHA Purchase | 7.36% | 4/22/24 |
| 30 Year FHA Refi | 7.08% | 4/22/24 |
| 30 Year VA Purchase | 6.23% | 4/22/24 |
| 30 Year USDA Purchase | 6.61% | 4/22/24 |
| 15 Year Conventional Purchase | 6.17% | 4/22/24 |
| 15 Year Conventional Refi | 5.98% | 4/22/24 |
| 15 Year Cash-out Refi | 5.98% | 4/22/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,528Origination Dollar Volume (All Markets)
$1,233,800,000Employee count
881Awards
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First Bank - 2021
First Bank is a 2021 , due to their low .
For 2021, 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 |
|---|---|---|---|---|---|
| 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, KY (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% |
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Similarity Rank: 378
Similarity Rank: 378
Credence Funding Corporation
Similarity Rank: 404
Similarity Rank: 404
MAINSTREET FEDERAL CREDIT UNION
Similarity Rank: 426
Similarity Rank: 426
U.S. HOME MORTGAGE, INC.
Similarity Rank: 441
Similarity Rank: 441
Product Mix
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
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
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
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
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
2021 saw First Bank place emphasis on $200k-400k loans with 1,697 originations, totaling $475,745,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications84.80%
First Bank has a below average approval rate.
Pick Rate
Approvals leading to origination83.99%
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
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 | 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 |
| 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 | 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 | 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 | 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 | 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 | 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 |
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 |