North American Savings Bank F.s.b. Mortgage Rates, Fees & Info

Grandview, MO

LEI: 549300K6K2IS7FRS7S09

Tax ID: 44-0373310

5 stars - out of 5 stars, based on 128 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

North American Savings Bank F.s.b. is a mid-sized bank specializing in Refi, Home Purchase, and Cash Out Refi loans. North American Savings Bank F.s.b. 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.) Their top markets include Kansas City, Washington, New York, Los Angeles, and Seattle among others. North American Savings Bank F.s.b. has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. North American Savings Bank F.s.b. is typically an average fee lendor.


Originations

16,415

Origination Dollar Volume (All Markets)

$5,771,555,000

Employee count

652 Show all (254) awards

Relative Rate

North American Savings Bank F.s.b.'s average 30 year fixed rate mortgage of loans were 2.82%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.33%.

Relative Fees

North American Savings Bank F.s.b.'s average total fees for a 30 year fixed rate mortgage are $3,453.

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

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
KANSAS CITY, MO-KS (FHA|USDA|VA) 1,622 $454,700,000 $280,333 $2,537 2.98%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 702 $304,960,000 $434,416 $3,397 2.60%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 722 $282,750,000 $391,620 $3,524 2.66%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 546 $238,810,000 $437,381 $2,633 2.73%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 580 $227,780,000 $392,724 $2,539 2.66%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 467 $155,185,000 $332,302 $2,571 2.77%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 329 $145,905,000 $443,480 $2,817 2.64%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 338 $121,980,000 $360,888 $2,540 2.74%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 357 $120,975,000 $338,866 $3,160 2.82%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 312 $114,340,000 $366,474 $2,848 2.72%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 339 $113,775,000 $335,619 $3,406 2.74%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 328 $112,620,000 $343,354 $2,795 2.83%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 287 $110,115,000 $383,676 $2,673 2.69%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 223 $105,595,000 $473,520 $2,845 2.71%
Outside of Metro Areas 306 $93,750,000 $306,373 $3,508 2.83%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 249 $84,205,000 $338,173 $3,612 2.84%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 232 $84,150,000 $362,716 $2,262 2.75%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 264 $84,060,000 $318,409 $2,939 2.78%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 181 $81,265,000 $448,978 $3,064 2.58%
ANCHORAGE, AK (FHA|USDA|VA) 206 $76,750,000 $372,573 $6,486 2.53%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 229 $76,605,000 $334,520 $3,960 2.73%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 226 $70,790,000 $313,230 $2,211 2.68%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 178 $66,660,000 $374,494 $3,406 2.77%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 175 $65,305,000 $373,171 $3,295 2.58%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 183 $64,895,000 $354,617 $2,845 2.80%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 169 $63,355,000 $374,882 $4,043 2.76%
URBAN HONOLULU, HI (FHA|USDA|VA) 102 $55,780,000 $546,863 $3,751 2.57%
COLORADO SPRINGS, CO (FHA|USDA|VA) 139 $55,685,000 $400,612 $5,999 2.59%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 148 $51,170,000 $345,743 $4,620 2.77%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 150 $48,900,000 $326,000 $5,387 2.65%
RALEIGH-CARY, NC (FHA|USDA|VA) 134 $48,200,000 $359,701 $2,977 2.72%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 90 $43,610,000 $484,556 $2,390 2.65%
RENO, NV (FHA|USDA|VA) 110 $41,150,000 $374,091 $2,391 2.67%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 115 $39,415,000 $342,739 $3,425 2.84%
SALT LAKE CITY, UT (FHA|USDA|VA) 98 $37,060,000 $378,163 $2,214 2.73%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 96 $35,670,000 $371,563 $3,606 2.76%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 101 $34,195,000 $338,564 $3,997 2.79%
BOISE CITY, ID (FHA|USDA|VA) 89 $32,365,000 $363,652 $3,344 2.85%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 112 $31,370,000 $280,089 $1,997 2.80%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 92 $30,860,000 $335,435 $2,144 2.74%
ST. LOUIS, MO-IL (FHA|USDA|VA) 92 $29,480,000 $320,435 $2,806 2.80%
JACKSONVILLE, FL (FHA|USDA|VA) 88 $28,820,000 $327,500 $4,651 2.79%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 69 $26,725,000 $387,319 $3,285 2.57%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 57 $25,655,000 $450,088 $2,183 2.60%
TUCSON, AZ (FHA|USDA|VA) 75 $24,505,000 $326,733 $3,632 2.86%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 59 $22,445,000 $380,424 $4,363 2.82%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 63 $21,735,000 $345,000 $2,715 2.64%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 52 $20,770,000 $399,423 $2,422 2.70%
PROVO-OREM, UT (FHA|USDA|VA) 55 $20,165,000 $366,636 $2,319 2.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 67 $19,685,000 $293,806 $2,787 2.75%
FRESNO, CA (FHA|USDA|VA) 59 $19,405,000 $328,898 $1,962 2.68%
VALLEJO, CA (FHA|USDA|VA) 45 $18,705,000 $415,667 $3,166 2.61%
ALBUQUERQUE, NM (FHA|USDA|VA) 64 $17,840,000 $278,750 $3,058 2.78%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 57 $17,675,000 $310,088 $2,376 2.74%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 43 $17,425,000 $405,233 $3,093 2.80%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 42 $16,810,000 $400,238 $2,867 2.70%
RICHMOND, VA (FHA|USDA|VA) 53 $16,775,000 $316,509 $3,048 2.68%
OKLAHOMA CITY, OK (FHA|USDA|VA) 53 $16,595,000 $313,113 $4,032 2.76%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 36 $16,310,000 $453,056 $2,086 2.69%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 47 $16,055,000 $341,596 $2,290 2.67%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 49 $15,925,000 $325,000 $2,914 2.91%
STOCKTON, CA (FHA|USDA|VA) 45 $15,285,000 $339,667 $2,062 2.72%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 40 $15,070,000 $376,750 $5,406 2.69%
Hilo, HI (FHA|USDA|VA) 37 $14,805,000 $400,135 $3,348 2.98%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 35 $14,485,000 $413,857 $3,733 2.73%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 44 $14,160,000 $321,818 $2,026 2.76%
COLUMBUS, OH (FHA|USDA|VA) 47 $14,005,000 $297,979 $3,414 2.91%
FAYETTEVILLE, NC (FHA|USDA|VA) 58 $13,850,000 $238,793 $6,318 2.73%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 35 $13,755,000 $393,000 $7,348 2.84%
SALEM, OR (FHA|USDA|VA) 42 $13,750,000 $327,381 $2,888 2.80%
PITTSBURGH, PA (FHA|USDA|VA) 47 $13,725,000 $292,021 $4,486 2.67%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 41 $13,595,000 $331,585 $2,318 2.80%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 34 $13,540,000 $398,235 $2,592 2.49%
KNOXVILLE, TN (FHA|USDA|VA) 37 $13,485,000 $364,459 $3,590 2.69%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 36 $13,000,000 $361,111 $4,873 3.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 41 $12,895,000 $314,512 $4,280 3.13%
MODESTO, CA (FHA|USDA|VA) 39 $12,795,000 $328,077 $2,727 2.68%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 29 $12,645,000 $436,034 $2,599 2.79%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 37 $12,625,000 $341,216 $3,912 2.79%
BAKERSFIELD, CA (FHA|USDA|VA) 37 $12,325,000 $333,108 $3,355 2.79%
BELLINGHAM, WA (FHA|USDA|VA) 32 $12,070,000 $377,188 $3,013 2.68%
TULSA, OK (FHA|USDA|VA) 35 $12,045,000 $344,143 $4,101 2.94%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 35 $11,725,000 $335,000 $5,155 2.93%
FORT COLLINS, CO (FHA|USDA|VA) 30 $11,660,000 $388,667 $1,582 2.60%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 37 $11,035,000 $298,243 $3,017 2.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 40 $10,890,000 $272,250 $2,865 2.89%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 36 $10,820,000 $300,556 $2,620 2.75%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 29 $10,715,000 $369,483 $3,328 2.79%
BOULDER, CO (FHA|USDA|VA) 27 $10,705,000 $396,481 $1,514 2.61%
BEND, OR (FHA|USDA|VA) 27 $10,295,000 $381,296 $2,832 2.66%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 32 $10,240,000 $320,000 $2,766 2.76%
SALINAS, CA (FHA|USDA|VA) 26 $10,140,000 $390,000 $2,912 2.67%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 28 $9,720,000 $347,143 $2,685 2.77%
COLUMBIA, SC (FHA|USDA|VA) 32 $9,450,000 $295,313 $3,219 2.83%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 27 $9,335,000 $345,741 $2,380 2.73%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 27 $9,205,000 $340,926 $3,196 2.66%
ST. GEORGE, UT (FHA|USDA|VA) 24 $9,180,000 $382,500 $2,723 2.59%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 30 $8,810,000 $293,667 $1,526 3.09%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 24 $8,540,000 $355,833 $2,399 2.71%
Outside of Metro Areas 26 $8,530,000 $328,077 $3,164 2.71%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 25 $8,145,000 $325,800 $2,103 2.70%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 27 $8,085,000 $299,444 $3,345 2.73%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 19 $8,025,000 $422,368 $4,394 2.57%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 25 $7,975,000 $319,000 $3,650 2.64%
MEDFORD, OR (FHA|USDA|VA) 23 $7,785,000 $338,478 $2,842 2.70%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 23 $7,725,000 $335,870 $3,263 2.73%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 21 $7,385,000 $351,667 $4,160 2.82%
DAYTON-KETTERING, OH (FHA|USDA|VA) 26 $7,320,000 $281,538 $3,698 2.62%
HUNTSVILLE, AL (FHA|USDA|VA) 24 $7,030,000 $292,917 $2,146 2.68%
WILMINGTON, NC (FHA|USDA|VA) 21 $7,025,000 $334,524 $2,216 2.80%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 22 $6,890,000 $313,182 $2,247 3.20%
VISALIA, CA (FHA|USDA|VA) 24 $6,870,000 $286,250 $2,605 2.76%
SALISBURY, MD-DE (FHA|USDA|VA) 21 $6,795,000 $323,571 $2,754 2.89%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 27 $6,755,000 $250,185 $2,995 2.90%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 21 $6,555,000 $312,143 $2,855 2.64%
EL PASO, TX (FHA|USDA|VA) 27 $6,525,000 $241,667 $3,893 3.02%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 18 $6,460,000 $358,889 $3,838 3.22%
ANN ARBOR, MI (FHA|USDA|VA) 21 $6,315,000 $300,714 $2,671 2.68%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 20 $6,240,000 $312,000 $5,749 2.69%
Kapaa, HI (FHA|USDA|VA) 11 $6,225,000 $565,909 $2,674 3.06%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 17 $6,215,000 $365,588 $2,610 2.45%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 21 $6,175,000 $294,048 $3,198 2.90%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 17 $5,965,000 $350,882 $7,027 2.35%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 16 $5,950,000 $371,875 $3,323 2.55%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 18 $5,910,000 $328,333 $3,716 2.95%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 19 $5,875,000 $309,211 $2,101 2.75%
Heber, UT (FHA|USDA|VA) 12 $5,860,000 $488,333 $1,841 2.74%
WENATCHEE, WA (FHA|USDA|VA) 14 $5,760,000 $411,429 $2,737 2.76%
SYRACUSE, NY (FHA|USDA|VA) 23 $5,755,000 $250,217 $2,804 2.57%
Juneau, AK (FHA|USDA|VA) 12 $5,610,000 $467,500 $4,905 2.45%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 15 $5,575,000 $371,667 $2,965 3.13%
WORCESTER, MA-CT (FHA|USDA|VA) 16 $5,540,000 $346,250 $3,399 2.52%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 16 $5,510,000 $344,375 $4,220 2.64%
ASHEVILLE, NC (FHA|USDA|VA) 16 $5,500,000 $343,750 $1,005 2.88%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 12 $5,400,000 $450,000 $2,322 2.46%
Edwards, CO (FHA|USDA|VA) 11 $5,325,000 $484,091 $3,312 2.57%
SPRINGFIELD, MA (FHA|USDA|VA) 18 $5,280,000 $293,333 $2,662 2.95%
MADISON, WI (FHA|USDA|VA) 17 $5,155,000 $303,235 $1,466 2.74%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 10 $5,100,000 $510,000 $7,422 2.84%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 14 $4,960,000 $354,286 $6,354 2.56%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 19 $4,895,000 $257,632 $3,715 2.91%
SAVANNAH, GA (FHA|USDA|VA) 19 $4,815,000 $253,421 $5,743 2.95%
WICHITA, KS (FHA|USDA|VA) 19 $4,775,000 $251,316 $2,248 2.74%
MERCED, CA (FHA|USDA|VA) 14 $4,760,000 $340,000 $2,387 2.78%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 16 $4,750,000 $296,875 $2,350 2.64%
PORT ST. LUCIE, FL (FHA|USDA|VA) 17 $4,675,000 $275,000 $3,520 2.90%
BATON ROUGE, LA (FHA|USDA|VA) 17 $4,635,000 $272,647 $2,368 2.74%
WINSTON-SALEM, NC (FHA|USDA|VA) 15 $4,415,000 $294,333 $2,036 2.92%
Gardnerville Ranchos, NV (FHA|USDA|VA) 12 $4,380,000 $365,000 $2,894 2.56%
PANAMA CITY, FL (FHA|USDA|VA) 13 $4,345,000 $334,231 $2,036 2.95%
DOVER, DE (FHA|USDA|VA) 11 $4,265,000 $387,727 $5,359 2.39%
Oak Harbor, WA (FHA|USDA|VA) 11 $4,265,000 $387,727 $6,051 2.67%
TOLEDO, OH (FHA|USDA|VA) 14 $4,240,000 $302,857 $3,667 2.69%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 14 $4,150,000 $296,429 $4,636 2.62%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 14 $4,120,000 $294,286 $2,663 2.50%
Kalispell, MT (FHA|USDA|VA) 10 $3,990,000 $399,000 $3,355 2.85%
LANCASTER, PA (FHA|USDA|VA) 14 $3,920,000 $280,000 $3,693 2.87%
COLUMBIA, MO (FHA|USDA|VA) 14 $3,910,000 $279,286 $2,687 2.69%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 16 $3,880,000 $242,500 $5,095 2.80%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 12 $3,850,000 $320,833 $2,001 2.69%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 17 $3,725,000 $219,118 $2,782 3.01%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 12 $3,670,000 $305,833 $2,523 2.58%
GREELEY, CO (FHA|USDA|VA) 11 $3,635,000 $330,455 $3,421 2.82%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 14 $3,620,000 $258,571 $4,254 2.99%
SANTA FE, NM (FHA|USDA|VA) 10 $3,500,000 $350,000 $3,052 2.60%
ROCHESTER, NY (FHA|USDA|VA) 17 $3,485,000 $205,000 $2,564 2.63%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 21 $3,485,000 $165,952 $2,516 3.02%
BRUNSWICK, GA (FHA|USDA|VA) 9 $3,485,000 $387,222 $5,836 2.72%
PUNTA GORDA, FL (FHA|USDA|VA) 11 $3,445,000 $313,182 $3,406 2.83%
Centralia, WA (FHA|USDA|VA) 11 $3,435,000 $312,273 $5,133 2.98%
NAPA, CA (FHA|USDA|VA) 8 $3,410,000 $426,250 $4,619 2.66%
YUBA CITY, CA (FHA|USDA|VA) 10 $3,410,000 $341,000 $1,992 2.73%
TALLAHASSEE, FL (FHA|USDA|VA) 13 $3,385,000 $260,385 $4,074 2.75%
Morehead City, NC (FHA|USDA|VA) 10 $3,340,000 $334,000 $2,985 2.53%
LAS CRUCES, NM (FHA|USDA|VA) 11 $3,275,000 $297,727 $4,659 2.91%
JACKSONVILLE, NC (FHA|USDA|VA) 13 $3,245,000 $249,615 $2,565 2.52%
LINCOLN, NE (FHA|USDA|VA) 13 $3,235,000 $248,846 $1,723 3.18%
WACO, TX (FHA|USDA|VA) 9 $3,185,000 $353,889 $7,414 3.26%
Truckee-Grass Valley, CA (FHA|USDA|VA) 9 $3,165,000 $351,667 $1,835 3.21%
GREEN BAY, WI (FHA|USDA|VA) 10 $3,160,000 $316,000 $3,565 2.60%
FAIRBANKS, AK (FHA|USDA|VA) 9 $3,155,000 $350,556 $6,860 2.51%
WINCHESTER, VA-WV (FHA|USDA|VA) 10 $3,110,000 $311,000 $3,176 2.61%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 9 $3,065,000 $340,556 $5,075 2.81%
LAWRENCE, KS (FHA|USDA|VA) 10 $3,050,000 $305,000 $2,333 3.01%
CORVALLIS, OR (FHA|USDA|VA) 8 $3,020,000 $377,500 $3,653 2.88%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 8 $2,980,000 $372,500 $7,016 2.73%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 11 $2,975,000 $270,455 $3,080 2.69%
Concord, NH (FHA|USDA|VA) 9 $2,965,000 $329,444 $2,878 2.79%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $2,950,000 $295,000 $3,444 2.73%
MISSOULA, MT (FHA|USDA|VA) 9 $2,925,000 $325,000 $3,442 2.71%
CHICO, CA (FHA|USDA|VA) 10 $2,900,000 $290,000 $1,831 2.53%
YORK-HANOVER, PA (FHA|USDA|VA) 9 $2,855,000 $317,222 $3,282 2.74%
Hailey, ID (FHA|USDA|VA) 6 $2,840,000 $473,333 $4,370 2.85%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 8 $2,830,000 $353,750 $1,429 2.75%
Moses Lake, WA (FHA|USDA|VA) 8 $2,780,000 $347,500 $7,229 3.42%
SPRINGFIELD, MO (FHA|USDA|VA) 13 $2,725,000 $209,615 $2,705 3.42%
BILLINGS, MT (FHA|USDA|VA) 9 $2,725,000 $302,778 $4,186 2.92%
MONTGOMERY, AL (FHA|USDA|VA) 10 $2,720,000 $272,000 $2,267 3.08%
Ellensburg, WA (FHA|USDA|VA) 8 $2,700,000 $337,500 $2,326 2.80%
Helena, MT (FHA|USDA|VA) 9 $2,685,000 $298,333 $3,619 2.65%
THE VILLAGES, FL (FHA|USDA|VA) 9 $2,675,000 $297,222 $3,792 3.07%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 9 $2,655,000 $295,000 $3,109 2.81%
LUBBOCK, TX (FHA|USDA|VA) 10 $2,630,000 $263,000 $4,088 3.04%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 7 $2,625,000 $375,000 $2,880 2.54%
IDAHO FALLS, ID (FHA|USDA|VA) 10 $2,610,000 $261,000 $3,471 2.99%
TUSCALOOSA, AL (FHA|USDA|VA) 9 $2,605,000 $289,444 $2,029 3.15%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 7 $2,595,000 $370,714 $6,292 2.45%
CARSON CITY, NV (FHA|USDA|VA) 7 $2,595,000 $370,714 $4,120 2.77%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 8 $2,580,000 $322,500 $2,010 2.50%
Sevierville, TN (FHA|USDA|VA) 6 $2,570,000 $428,333 $1,376 3.88%
REDDING, CA (FHA|USDA|VA) 8 $2,560,000 $320,000 $3,211 2.88%
Key West, FL (FHA|USDA|VA) 5 $2,465,000 $493,000 $10,281 2.68%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 12 $2,430,000 $202,500 $5,741 3.23%
Eureka-Arcata, CA (FHA|USDA|VA) 8 $2,420,000 $302,500 $2,347 2.72%
TWIN FALLS, ID (FHA|USDA|VA) 7 $2,405,000 $343,571 $3,596 2.48%
HARRISONBURG, VA (FHA|USDA|VA) 7 $2,375,000 $339,286 $2,401 2.66%
MADERA, CA (FHA|USDA|VA) 7 $2,365,000 $337,857 $1,696 2.77%
Alamogordo, NM (FHA|USDA|VA) 7 $2,365,000 $337,857 $7,659 2.34%
SPARTANBURG, SC (FHA|USDA|VA) 10 $2,320,000 $232,000 $1,741 2.66%
FLAGSTAFF, AZ (FHA|USDA|VA) 8 $2,300,000 $287,500 $1,672 2.77%
MOBILE, AL (FHA|USDA|VA) 9 $2,285,000 $253,889 $3,442 2.78%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 3 $2,235,000 $745,000 $13,849 2.54%
GAINESVILLE, GA (FHA|USDA|VA) 6 $2,230,000 $371,667 $4,513 2.75%
LYNCHBURG, VA (FHA|USDA|VA) 7 $2,215,000 $316,429 $6,184 3.05%
JACKSON, MS (FHA|USDA|VA) 8 $2,170,000 $271,250 $3,355 2.45%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $2,165,000 $309,286 $4,833 2.96%
SIOUX FALLS, SD (FHA|USDA|VA) 5 $2,145,000 $429,000 $1,529 2.53%
AKRON, OH (FHA|USDA|VA) 7 $2,115,000 $302,143 $1,760 2.71%
Breckenridge, CO (FHA|USDA|VA) 6 $2,100,000 $350,000 $3,084 3.06%
Torrington, CT (FHA|USDA|VA) 6 $2,070,000 $345,000 $4,188 2.71%
Sandpoint, ID (FHA|USDA|VA) 6 $2,060,000 $343,333 $3,180 2.67%
Newport, OR (FHA|USDA|VA) 6 $2,050,000 $341,667 $7,874 2.63%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 7 $2,025,000 $289,286 $3,394 2.43%
GAINESVILLE, FL (FHA|USDA|VA) 7 $2,015,000 $287,857 $4,152 2.68%
KINGSTON, NY (FHA|USDA|VA) 6 $2,010,000 $335,000 $2,447 2.60%
MANHATTAN, KS (FHA|USDA|VA) 6 $1,990,000 $331,667 $1,217 2.52%
GRAND JUNCTION, CO (FHA|USDA|VA) 6 $1,950,000 $325,000 $2,130 2.52%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 5 $1,865,000 $373,000 $2,072 2.73%
Astoria, OR (FHA|USDA|VA) 6 $1,860,000 $310,000 $1,848 2.75%
YAKIMA, WA (FHA|USDA|VA) 6 $1,850,000 $308,333 $4,222 2.75%
FLINT, MI (FHA|USDA|VA) 6 $1,810,000 $301,667 $2,592 3.04%
APPLETON, WI (FHA|USDA|VA) 7 $1,715,000 $245,000 $2,402 2.57%
SAN ANGELO, TX (FHA|USDA|VA) 5 $1,715,000 $343,000 $5,757 2.93%
OCALA, FL (FHA|USDA|VA) 5 $1,705,000 $341,000 $4,401 3.10%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $1,695,000 $339,000 $1,484 2.70%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 6 $1,650,000 $275,000 $3,137 2.46%
GRAND FORKS, ND-MN (FHA|USDA|VA) 4 $1,640,000 $410,000 $3,008 2.69%
Bozeman, MT (FHA|USDA|VA) 5 $1,605,000 $321,000 $3,622 2.78%
TOPEKA, KS (FHA|USDA|VA) 7 $1,565,000 $223,571 $3,223 3.09%
Red Bluff, CA (FHA|USDA|VA) 4 $1,560,000 $390,000 $1,416 2.63%
Mountain Home, ID (FHA|USDA|VA) 5 $1,545,000 $309,000 $6,635 2.55%
Hermiston-Pendleton, OR (FHA|USDA|VA) 5 $1,535,000 $307,000 $2,206 2.93%
CANTON-MASSILLON, OH (FHA|USDA|VA) 6 $1,520,000 $253,333 $5,936 3.96%
FORT WAYNE, IN (FHA|USDA|VA) 6 $1,520,000 $253,333 $2,993 2.92%
Fernley, NV (FHA|USDA|VA) 5 $1,515,000 $303,000 $1,605 2.90%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $1,510,000 $755,000 $2,348 2.69%
EL CENTRO, CA (FHA|USDA|VA) 7 $1,495,000 $213,571 $1,738 3.05%
PITTSFIELD, MA (FHA|USDA|VA) 5 $1,495,000 $299,000 $2,220 2.58%
FARGO, ND-MN (FHA|USDA|VA) 4 $1,490,000 $372,500 $3,647 2.44%
Port Angeles, WA (FHA|USDA|VA) 5 $1,485,000 $297,000 $6,132 2.70%
Georgetown, SC (FHA|USDA|VA) 3 $1,485,000 $495,000 $6,327 2.42%
GOLDSBORO, NC (FHA|USDA|VA) 6 $1,450,000 $241,667 $5,119 3.19%
Warrensburg, MO (FHA|USDA|VA) 9 $1,435,000 $159,444 $2,247 3.14%
GRANTS PASS, OR (FHA|USDA|VA) 5 $1,425,000 $285,000 $2,051 2.43%
Lebanon, NH-VT (FHA|USDA|VA) 5 $1,425,000 $285,000 $2,242 2.83%
WARNER ROBINS, GA (FHA|USDA|VA) 5 $1,415,000 $283,000 $2,972 3.20%
Kill Devil Hills, NC (FHA|USDA|VA) 4 $1,400,000 $350,000 $2,363 3.19%
CHEYENNE, WY (FHA|USDA|VA) 5 $1,395,000 $279,000 $4,772 3.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 5 $1,385,000 $277,000 $2,296 2.83%
BURLINGTON, NC (FHA|USDA|VA) 5 $1,375,000 $275,000 $2,782 2.83%
ROCHESTER, MN (FHA|USDA|VA) 5 $1,365,000 $273,000 $1,604 2.78%
Aberdeen, WA (FHA|USDA|VA) 5 $1,355,000 $271,000 $1,853 3.10%
MIDLAND, TX (FHA|USDA|VA) 4 $1,350,000 $337,500 $3,840 2.97%
Athens, TX (FHA|USDA|VA) 3 $1,345,000 $448,333 $4,379 2.46%
Fredericksburg, TX (FHA|USDA|VA) 3 $1,285,000 $428,333 $3,833 2.42%
Rolla, MO (FHA|USDA|VA) 3 $1,275,000 $425,000 $7,234 2.75%
Brainerd, MN (FHA|USDA|VA) 4 $1,270,000 $317,500 $1,932 2.53%
ROANOKE, VA (FHA|USDA|VA) 3 $1,265,000 $421,667 $10,202 3.46%
NEW BERN, NC (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,109 2.40%
Pahrump, NV (FHA|USDA|VA) 4 $1,230,000 $307,500 $2,435 2.66%
Glenwood Springs, CO (FHA|USDA|VA) 4 $1,230,000 $307,500 $582 2.75%
Elko, NV (FHA|USDA|VA) 2 $1,230,000 $615,000 $18,711 2.50%
DULUTH, MN-WI (FHA|USDA|VA) 5 $1,215,000 $243,000 $2,556 2.58%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $1,210,000 $605,000 $4,728 2.50%
Granbury, TX (FHA|USDA|VA) 3 $1,205,000 $401,667 $3,264 2.75%
Durango, CO (FHA|USDA|VA) 3 $1,195,000 $398,333 $2,677 2.54%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $1,175,000 $391,667 $2,423 2.46%
Traverse City, MI (FHA|USDA|VA) 4 $1,150,000 $287,500 $3,865 2.59%
LONGVIEW, WA (FHA|USDA|VA) 4 $1,140,000 $285,000 $1,931 2.66%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 5 $1,135,000 $227,000 $2,562 2.58%
VALDOSTA, GA (FHA|USDA|VA) 5 $1,105,000 $221,000 $6,659 2.83%
PEORIA, IL (FHA|USDA|VA) 5 $1,095,000 $219,000 $5,220 2.93%
Brevard, NC (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,609 2.66%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,200 3.25%
Milledgeville, GA (FHA|USDA|VA) 3 $1,085,000 $361,667 $2,455 2.96%
STAUNTON, VA (FHA|USDA|VA) 4 $1,080,000 $270,000 $4,991 2.47%
MANSFIELD, OH (FHA|USDA|VA) 4 $1,040,000 $260,000 $4,545 2.53%
Marion, NC (FHA|USDA|VA) 2 $1,040,000 $520,000 $1,905 2.44%
Shawnee, OK (FHA|USDA|VA) 3 $1,035,000 $345,000 $2,387 2.29%
Dublin, GA (FHA|USDA|VA) 4 $1,020,000 $255,000 $1,483 3.00%
Findlay, OH (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $2,575 3.00%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 5 $1,005,000 $201,000 $1,857 3.18%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $995,000 $331,667 $4,070 2.33%
WALLA WALLA, WA (FHA|USDA|VA) 3 $995,000 $331,667 $2,717 2.42%
MORRISTOWN, TN (FHA|USDA|VA) 3 $985,000 $328,333 $5,288 2.79%
Sonora, CA (FHA|USDA|VA) 4 $980,000 $245,000 $1,516 2.69%
READING, PA (FHA|USDA|VA) 4 $980,000 $245,000 $2,020 2.56%
Altus, OK (FHA|USDA|VA) 4 $970,000 $242,500 $5,336 2.66%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $970,000 $242,500 $2,831 2.75%
Ketchikan, AK (FHA|USDA|VA) 3 $965,000 $321,667 $3,476 3.04%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $965,000 $321,667 $5,593 2.63%
Roseburg, OR (FHA|USDA|VA) 3 $955,000 $318,333 $2,276 2.42%
POCATELLO, ID (FHA|USDA|VA) 4 $950,000 $237,500 $3,359 4.59%
Kerrville, TX (FHA|USDA|VA) 2 $950,000 $475,000 $3,370 2.50%
Fallon, NV (FHA|USDA|VA) 4 $950,000 $237,500 $4,170 2.50%
BINGHAMTON, NY (FHA|USDA|VA) 3 $945,000 $315,000 $3,226 2.50%
Martin, TN (FHA|USDA|VA) 2 $940,000 $470,000 $5,506 2.19%
MONROE, MI (FHA|USDA|VA) 4 $940,000 $235,000 $1,813 2.69%
LONGVIEW, TX (FHA|USDA|VA) 2 $940,000 $470,000 $4,486 2.63%
BLOOMINGTON, IL (FHA|USDA|VA) 3 $935,000 $311,667 $3,479 3.33%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $935,000 $311,667 $3,488 2.50%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $905,000 $301,667 $2,692 2.92%
Lebanon, MO (FHA|USDA|VA) 3 $905,000 $301,667 $1,868 2.75%
Hood River, OR (FHA|USDA|VA) 2 $900,000 $450,000 $2,967 2.81%
Elizabeth City, NC (FHA|USDA|VA) 3 $895,000 $298,333 $1,511 2.63%
Albertville, AL (FHA|USDA|VA) 3 $895,000 $298,333 $7,904 2.75%
Jackson, WY-ID (FHA|USDA|VA) 1 $895,000 $895,000 $4,597 2.38%
Ottawa, KS (FHA|USDA|VA) 2 $880,000 $440,000 $8,536 2.56%
Seneca, SC (FHA|USDA|VA) 3 $875,000 $291,667 $3,161 2.63%
PUEBLO, CO (FHA|USDA|VA) 3 $865,000 $288,333 $6,901 2.46%
YUMA, AZ (FHA|USDA|VA) 3 $855,000 $285,000 $8,922 2.67%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 6 $850,000 $141,667 $1,547 3.23%
COLUMBUS, GA-AL (FHA|USDA|VA) 3 $845,000 $281,667 $4,082 2.63%
SUMTER, SC (FHA|USDA|VA) 3 $835,000 $278,333 $2,866 2.42%
Montrose, CO (FHA|USDA|VA) 3 $835,000 $278,333 $1,551 2.63%
Sheridan, WY (FHA|USDA|VA) 2 $830,000 $415,000 $1,321 2.56%
Rockport, TX (FHA|USDA|VA) 2 $830,000 $415,000 $4,331 2.94%
LAWTON, OK (FHA|USDA|VA) 5 $825,000 $165,000 $2,263 3.15%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $820,000 $410,000 $1,218 2.25%
Columbus, MS (FHA|USDA|VA) 2 $820,000 $410,000 $3,395 3.06%
Ukiah, CA (FHA|USDA|VA) 2 $810,000 $405,000 $1,893 2.44%
Sanford, NC (FHA|USDA|VA) 2 $800,000 $400,000 $4,306 2.81%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 3 $795,000 $265,000 $6,799 2.71%
Coos Bay, OR (FHA|USDA|VA) 2 $780,000 $390,000 $5,534 2.75%
MORGANTOWN, WV (FHA|USDA|VA) 2 $780,000 $390,000 $7,941 2.56%
Oxford, MS (FHA|USDA|VA) 3 $775,000 $258,333 $1,356 2.92%
Urbana, OH (FHA|USDA|VA) 2 $770,000 $385,000 $761 2.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $755,000 $755,000 $2,414 3.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $750,000 $187,500 $2,196 2.84%
ST. CLOUD, MN (FHA|USDA|VA) 2 $750,000 $375,000 $3,175 2.56%
BANGOR, ME (FHA|USDA|VA) 3 $745,000 $248,333 $5,043 3.25%
LaGrange, GA-AL (FHA|USDA|VA) 2 $740,000 $370,000 $7,481 4.00%
Ontario, OR-ID (FHA|USDA|VA) 2 $740,000 $370,000 $3,137 3.06%
Bluefield, WV-VA (FHA|USDA|VA) 2 $740,000 $370,000 $3,379 2.44%
HINESVILLE, GA (FHA|USDA|VA) 3 $735,000 $245,000 $6,467 2.42%
DECATUR, AL (FHA|USDA|VA) 3 $735,000 $245,000 $2,386 2.71%
Show Low, AZ (FHA|USDA|VA) 2 $730,000 $365,000 $2,812 2.50%
TYLER, TX (FHA|USDA|VA) 2 $730,000 $365,000 $4,211 2.44%
LOGAN, UT-ID (FHA|USDA|VA) 2 $730,000 $365,000 $1,697 2.69%
Laramie, WY (FHA|USDA|VA) 2 $730,000 $365,000 $3,876 2.44%
Moscow, ID (FHA|USDA|VA) 2 $720,000 $360,000 $5,600 2.56%
CLEVELAND, TN (FHA|USDA|VA) 2 $720,000 $360,000 $2,072 2.31%
Athens, TN (FHA|USDA|VA) 2 $710,000 $355,000 $1,929 3.06%
Statesboro, GA (FHA|USDA|VA) 2 $710,000 $355,000 $7,543 2.56%
LEBANON, PA (FHA|USDA|VA) 3 $685,000 $228,333 $2,745 2.75%
HAMMOND, LA (FHA|USDA|VA) 2 $680,000 $340,000 $0 2.50%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $670,000 $335,000 $2,036 2.50%
SHEBOYGAN, WI (FHA|USDA|VA) 3 $665,000 $221,667 $916 2.92%
JONESBORO, AR (FHA|USDA|VA) 1 $665,000 $665,000 $1,073 3.00%
Shelton, WA (FHA|USDA|VA) 2 $650,000 $325,000 $3,180 2.88%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $650,000 $325,000 $2,887 2.81%
Holland, MI (FHA|USDA|VA) 2 $650,000 $325,000 $1,635 3.13%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $650,000 $325,000 $995 2.19%
Payson, AZ (FHA|USDA|VA) 3 $645,000 $215,000 $1,561 3.08%
JOPLIN, MO (FHA|USDA|VA) 4 $640,000 $160,000 $3,653 3.22%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $640,000 $320,000 $5,077 2.38%
COLUMBUS, IN (FHA|USDA|VA) 2 $630,000 $315,000 $2,603 2.81%
Lewisburg, TN (FHA|USDA|VA) 2 $630,000 $315,000 $5,748 2.44%
MONROE, LA (FHA|USDA|VA) 3 $625,000 $208,333 $2,663 2.88%
Boone, NC (FHA|USDA|VA) 3 $625,000 $208,333 $4,280 2.71%
AMARILLO, TX (FHA|USDA|VA) 3 $605,000 $201,667 $2,105 3.04%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $605,000 $201,667 $2,962 3.13%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $605,000 $605,000 $1,502 2.25%
Branson, MO (FHA|USDA|VA) 3 $605,000 $201,667 $1,919 2.83%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $600,000 $300,000 $1,993 3.31%
Rochelle, IL (FHA|USDA|VA) 2 $600,000 $300,000 $5,970 2.69%
Minot, ND (FHA|USDA|VA) 2 $600,000 $300,000 $4,910 2.81%
Prineville, OR (FHA|USDA|VA) 2 $600,000 $300,000 $3,422 3.19%
JACKSON, MI (FHA|USDA|VA) 2 $580,000 $290,000 $2,241 2.25%
Keene, NH (FHA|USDA|VA) 2 $580,000 $290,000 $5,361 2.38%
Big Rapids, MI (FHA|USDA|VA) 2 $570,000 $285,000 $1,902 2.44%
Carlsbad-Artesia, NM (FHA|USDA|VA) 2 $570,000 $285,000 $4,797 3.00%
Yankton, SD (FHA|USDA|VA) 2 $570,000 $285,000 $2,967 2.94%
DOTHAN, AL (FHA|USDA|VA) 1 $565,000 $565,000 $4,193 2.25%
Crossville, TN (FHA|USDA|VA) 2 $560,000 $280,000 $3,611 3.94%
DuBois, PA (FHA|USDA|VA) 2 $560,000 $280,000 $3,769 2.69%
Cullowhee, NC (FHA|USDA|VA) 1 $545,000 $545,000 $917 2.63%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $540,000 $270,000 $1,542 2.81%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $540,000 $270,000 $1,698 2.69%
Fort Polk South, LA (FHA|USDA|VA) 3 $535,000 $178,333 $3,916 2.88%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $530,000 $265,000 $3,222 2.69%
Cullman, AL (FHA|USDA|VA) 2 $530,000 $265,000 $1,798 4.75%
Laconia, NH (FHA|USDA|VA) 2 $530,000 $265,000 $3,758 2.94%
New Castle, PA (FHA|USDA|VA) 2 $520,000 $260,000 $6,177 2.81%
Owatonna, MN (FHA|USDA|VA) 2 $520,000 $260,000 $1,487 2.38%
GETTYSBURG, PA (FHA|USDA|VA) 2 $520,000 $260,000 $8,385 4.25%
Pierre, SD (FHA|USDA|VA) 2 $520,000 $260,000 $5,353 2.56%
MANKATO, MN (FHA|USDA|VA) 2 $510,000 $255,000 $3,684 2.88%
Paducah, KY-IL (FHA|USDA|VA) 2 $500,000 $250,000 $1,547 2.81%
ITHACA, NY (FHA|USDA|VA) 2 $500,000 $250,000 $3,940 2.44%
Easton, MD (FHA|USDA|VA) 1 $495,000 $495,000 $3,020 2.88%
Clovis, NM (FHA|USDA|VA) 2 $490,000 $245,000 $4,327 2.81%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $485,000 $485,000 $0 2.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $480,000 $240,000 $1,452 2.25%
Okeechobee, FL (FHA|USDA|VA) 1 $475,000 $475,000 $2,364 2.75%
ROCKFORD, IL (FHA|USDA|VA) 1 $475,000 $475,000 $2,972 2.75%
Barre, VT (FHA|USDA|VA) 2 $460,000 $230,000 $1,873 2.63%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $460,000 $230,000 $1,995 2.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $455,000 $455,000 $2,153 2.25%
Pullman, WA (FHA|USDA|VA) 2 $450,000 $225,000 $3,071 2.50%
Susanville, CA (FHA|USDA|VA) 2 $450,000 $225,000 $2,400 2.88%
LAFAYETTE, LA (FHA|USDA|VA) 2 $450,000 $225,000 $3,439 2.94%
Jefferson, GA (FHA|USDA|VA) 1 $445,000 $445,000 $2,655 2.75%
Portales, NM (FHA|USDA|VA) 2 $440,000 $220,000 $6,727 2.88%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $440,000 $220,000 $2,294 3.19%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $435,000 $435,000 $11,073 2.25%
CASPER, WY (FHA|USDA|VA) 1 $435,000 $435,000 $2,289 2.25%
Troy, AL (FHA|USDA|VA) 2 $430,000 $215,000 $868 3.50%
Sterling, IL (FHA|USDA|VA) 1 $425,000 $425,000 $462 2.25%
Clearlake, CA (FHA|USDA|VA) 1 $425,000 $425,000 $5,599 3.25%
Fairmont, WV (FHA|USDA|VA) 2 $420,000 $210,000 $1,296 3.75%
AMES, IA (FHA|USDA|VA) 1 $405,000 $405,000 $1,493 2.25%
Hutchinson, KS (FHA|USDA|VA) 1 $405,000 $405,000 $2,222 2.50%
Magnolia, AR (FHA|USDA|VA) 1 $395,000 $395,000 $963 2.88%
FARMINGTON, NM (FHA|USDA|VA) 1 $395,000 $395,000 $154 2.88%
Whitewater, WI (FHA|USDA|VA) 1 $395,000 $395,000 $479 2.38%
Duncan, OK (FHA|USDA|VA) 2 $390,000 $195,000 $2,708 2.88%
Bennington, VT (FHA|USDA|VA) 1 $385,000 $385,000 $890 2.25%
Uvalde, TX (FHA|USDA|VA) 1 $385,000 $385,000 $2,997 2.63%
Salina, KS (FHA|USDA|VA) 2 $380,000 $190,000 $1,652 2.75%
Fergus Falls, MN (FHA|USDA|VA) 2 $380,000 $190,000 $5,584 2.44%
BISMARCK, ND (FHA|USDA|VA) 1 $375,000 $375,000 $411 2.25%
Rutland, VT (FHA|USDA|VA) 1 $375,000 $375,000 $4,824 2.88%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $375,000 $375,000 $1,838 2.25%
Oneonta, NY (FHA|USDA|VA) 2 $370,000 $185,000 $2,892 3.19%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $370,000 $185,000 $2,740 3.44%
Russellville, AR (FHA|USDA|VA) 1 $365,000 $365,000 $664 2.25%
ABILENE, TX (FHA|USDA|VA) 1 $365,000 $365,000 $9,563 2.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $365,000 $365,000 $1,938 2.25%
Muskogee, OK (FHA|USDA|VA) 1 $355,000 $355,000 $2,078 2.38%
Quincy, IL-MO (FHA|USDA|VA) 1 $345,000 $345,000 $4,770 2.25%
Hastings, NE (FHA|USDA|VA) 1 $345,000 $345,000 $2,823 2.25%
Marshall, MO (FHA|USDA|VA) 1 $345,000 $345,000 $1,826 2.75%
Norfolk, NE (FHA|USDA|VA) 1 $345,000 $345,000 $1,999 2.75%
St. Marys, GA (FHA|USDA|VA) 1 $345,000 $345,000 $2,134 2.25%
Escanaba, MI (FHA|USDA|VA) 2 $340,000 $170,000 $766 3.13%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $340,000 $170,000 $3,278 3.44%
Brookings, OR (FHA|USDA|VA) 1 $335,000 $335,000 $3,533 2.75%
Los Alamos, NM (FHA|USDA|VA) 1 $335,000 $335,000 $2,742 2.25%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $335,000 $335,000 $2,071 3.13%
Mayfield, KY (FHA|USDA|VA) 1 $335,000 $335,000 $14,002 2.50%
Salem, OH (FHA|USDA|VA) 1 $335,000 $335,000 $2,970 2.25%
Bluffton, IN (FHA|USDA|VA) 1 $335,000 $335,000 $13,463 2.25%
Tifton, GA (FHA|USDA|VA) 1 $335,000 $335,000 $0 2.25%
GLENS FALLS, NY (FHA|USDA|VA) 1 $335,000 $335,000 $2,883 2.75%
VICTORIA, TX (FHA|USDA|VA) 1 $325,000 $325,000 $1,736 2.88%
North Platte, NE (FHA|USDA|VA) 1 $325,000 $325,000 $2,084 2.75%
Hudson, NY (FHA|USDA|VA) 1 $325,000 $325,000 $4,000 2.25%
Plattsburgh, NY (FHA|USDA|VA) 1 $315,000 $315,000 $3,553 2.88%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.25%
Eufaula, AL-GA (FHA|USDA|VA) 1 $315,000 $315,000 $3,742 3.13%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $315,000 $315,000 $1,272 2.75%
HATTIESBURG, MS (FHA|USDA|VA) 1 $315,000 $315,000 $1,354 3.00%
ENID, OK (FHA|USDA|VA) 1 $315,000 $315,000 $4,234 3.25%
IOWA CITY, IA (FHA|USDA|VA) 2 $310,000 $155,000 $1,163 2.63%
Silver City, NM (FHA|USDA|VA) 1 $305,000 $305,000 $3,308 2.50%
NILES, MI (FHA|USDA|VA) 1 $305,000 $305,000 $1,829 3.13%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $305,000 $305,000 $1,054 2.25%
Steamboat Springs, CO (FHA|USDA|VA) 1 $305,000 $305,000 $1,604 2.13%
Athens, OH (FHA|USDA|VA) 1 $305,000 $305,000 $3,402 2.50%
Scottsbluff, NE (FHA|USDA|VA) 1 $295,000 $295,000 $2,349 3.63%
Enterprise, AL (FHA|USDA|VA) 1 $295,000 $295,000 $2,338 2.25%
Orangeburg, SC (FHA|USDA|VA) 1 $295,000 $295,000 $3,641 2.25%
Meridian, MS (FHA|USDA|VA) 1 $295,000 $295,000 $2,689 2.38%
Marinette, WI-MI (FHA|USDA|VA) 1 $285,000 $285,000 $88 3.50%
Ottawa, IL (FHA|USDA|VA) 1 $285,000 $285,000 $1,436 2.88%
Natchez, MS-LA (FHA|USDA|VA) 1 $285,000 $285,000 $3,403 3.13%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $275,000 $275,000 $2,822 3.00%
Gillette, WY (FHA|USDA|VA) 1 $275,000 $275,000 $2,594 2.75%
Washington, NC (FHA|USDA|VA) 1 $275,000 $275,000 $2,101 2.75%
Albemarle, NC (FHA|USDA|VA) 1 $275,000 $275,000 $2,454 3.25%
McComb, MS (FHA|USDA|VA) 1 $275,000 $275,000 $565 2.25%
Rexburg, ID (FHA|USDA|VA) 1 $275,000 $275,000 $2,908 3.13%
El Dorado, AR (FHA|USDA|VA) 2 $270,000 $135,000 $997 3.31%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $270,000 $135,000 $4,531 3.38%
Auburn, NY (FHA|USDA|VA) 1 $265,000 $265,000 $2,470 2.13%
Cedartown, GA (FHA|USDA|VA) 1 $265,000 $265,000 $3,709 3.25%
Connersville, IN (FHA|USDA|VA) 1 $265,000 $265,000 $1,248 3.25%
Pottsville, PA (FHA|USDA|VA) 1 $265,000 $265,000 $7,185 2.88%
MUSKEGON, MI (FHA|USDA|VA) 1 $265,000 $265,000 $1,230 4.50%
Lumberton, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.38%
La Grande, OR (FHA|USDA|VA) 1 $265,000 $265,000 $3,653 3.38%
Somerset, PA (FHA|USDA|VA) 1 $265,000 $265,000 $4,704 2.75%
Fort Payne, AL (FHA|USDA|VA) 1 $265,000 $265,000 $9,140 2.75%
Jesup, GA (FHA|USDA|VA) 1 $255,000 $255,000 $1,273 2.63%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $255,000 $255,000 $1,548 2.75%
Kearney, NE (FHA|USDA|VA) 1 $255,000 $255,000 $639 2.25%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $255,000 $255,000 $1,608 2.50%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $255,000 $255,000 $1,604 2.88%
Atchison, KS (FHA|USDA|VA) 1 $255,000 $255,000 $1,250 2.75%
Brookings, SD (FHA|USDA|VA) 1 $255,000 $255,000 $2,593 2.13%
Mount Vernon, OH (FHA|USDA|VA) 1 $255,000 $255,000 $2,439 2.13%
Greeneville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $2,326 3.25%
New Castle, IN (FHA|USDA|VA) 2 $250,000 $125,000 $2,069 4.50%
The Dalles, OR (FHA|USDA|VA) 1 $245,000 $245,000 $4,062 3.25%
Searcy, AR (FHA|USDA|VA) 1 $245,000 $245,000 $1,689 2.75%
GREENVILLE, NC (FHA|USDA|VA) 2 $240,000 $120,000 $1,179 3.50%
Grand Rapids, MN (FHA|USDA|VA) 1 $235,000 $235,000 $3,394 3.50%
Dayton, TN (FHA|USDA|VA) 1 $235,000 $235,000 $2,151 2.50%
CaƱon City, CO (FHA|USDA|VA) 1 $225,000 $225,000 $2,224 3.13%
Portsmouth, OH (FHA|USDA|VA) 1 $225,000 $225,000 $1,467 2.25%
OWENSBORO, KY (FHA|USDA|VA) 1 $225,000 $225,000 $592 2.25%
Craig, CO (FHA|USDA|VA) 1 $225,000 $225,000 $1,764 3.13%
Bardstown, KY (FHA|USDA|VA) 1 $225,000 $225,000 $6,037 2.75%
Gloversville, NY (FHA|USDA|VA) 1 $225,000 $225,000 $3,345 2.63%
Lake City, FL (FHA|USDA|VA) 1 $215,000 $215,000 $9,606 2.88%
Sidney, OH (FHA|USDA|VA) 1 $215,000 $215,000 $2,222 4.75%
GREAT FALLS, MT (FHA|USDA|VA) 1 $215,000 $215,000 $3,360 2.88%
Nogales, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $1,169 2.88%
FOND DU LAC, WI (FHA|USDA|VA) 1 $215,000 $215,000 $2,554 2.25%
Somerset, KY (FHA|USDA|VA) 1 $215,000 $215,000 $5,308 5.25%
Ardmore, OK (FHA|USDA|VA) 1 $205,000 $205,000 $2,325 2.50%
Warsaw, IN (FHA|USDA|VA) 1 $205,000 $205,000 $1,169 2.75%
Picayune, MS (FHA|USDA|VA) 1 $205,000 $205,000 $2,672 3.13%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $205,000 $205,000 $1,076 2.38%
ALBANY, GA (FHA|USDA|VA) 1 $205,000 $205,000 $1,778 2.25%
Rock Springs, WY (FHA|USDA|VA) 1 $205,000 $205,000 $5,891 2.13%
Grenada, MS (FHA|USDA|VA) 1 $205,000 $205,000 $1,504 2.88%
Crawfordsville, IN (FHA|USDA|VA) 1 $195,000 $195,000 $1,099 3.13%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $195,000 $195,000 $327 3.00%
ELMIRA, NY (FHA|USDA|VA) 1 $195,000 $195,000 $7,104 2.88%
Hays, KS (FHA|USDA|VA) 1 $185,000 $185,000 $4,175 2.88%
Campbellsville, KY (FHA|USDA|VA) 1 $185,000 $185,000 $2,663 3.38%
Menomonie, WI (FHA|USDA|VA) 1 $185,000 $185,000 $515 2.75%
Mountain Home, AR (FHA|USDA|VA) 1 $185,000 $185,000 $3,610 2.25%
Carroll, IA (FHA|USDA|VA) 1 $185,000 $185,000 $395 3.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $185,000 $185,000 $1,124 2.25%
Wilmington, OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,371 3.00%
Sedalia, MO (FHA|USDA|VA) 1 $165,000 $165,000 $5,900 3.25%
Ruidoso, NM (FHA|USDA|VA) 1 $165,000 $165,000 $4,478 3.13%
Opelousas, LA (FHA|USDA|VA) 1 $165,000 $165,000 $5,063 2.88%
Marietta, OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,212 2.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,139 6.38%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $165,000 $165,000 $9,267 3.13%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,437 3.25%
Adrian, MI (FHA|USDA|VA) 1 $165,000 $165,000 $11,286 3.25%
Freeport, IL (FHA|USDA|VA) 1 $165,000 $165,000 $1,993 3.25%
Olean, NY (FHA|USDA|VA) 1 $155,000 $155,000 $1,897 3.88%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,856 3.13%
Beaver Dam, WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.63%
Jacksonville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,285 2.38%
Galesburg, IL (FHA|USDA|VA) 1 $145,000 $145,000 $1,884 2.50%
Corning, NY (FHA|USDA|VA) 1 $145,000 $145,000 $420 3.75%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $145,000 $145,000 $2,157 2.63%
Kinston, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,488 2.25%
Bonham, TX (FHA|USDA|VA) 1 $145,000 $145,000 $1,470 3.13%
GADSDEN, AL (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.25%
Meadville, PA (FHA|USDA|VA) 1 $135,000 $135,000 $4,222 3.88%
JACKSON, TN (FHA|USDA|VA) 1 $135,000 $135,000 $1,217 3.38%
Klamath Falls, OR (FHA|USDA|VA) 1 $135,000 $135,000 $1,958 2.63%
Greensburg, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,287 3.50%
Chillicothe, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,266 3.25%
Fort Dodge, IA (FHA|USDA|VA) 1 $125,000 $125,000 $2,064 2.88%
Cedar City, UT (FHA|USDA|VA) 1 $125,000 $125,000 $1,364 2.88%
Frankfort, IN (FHA|USDA|VA) 1 $125,000 $125,000 $1,179 3.25%
Poplar Bluff, MO (FHA|USDA|VA) 1 $115,000 $115,000 $2,027 2.75%
Emporia, KS (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.88%
Tupelo, MS (FHA|USDA|VA) 1 $115,000 $115,000 $2,719 3.00%
Kingsville, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,843 3.00%
Ashland, OH (FHA|USDA|VA) 1 $115,000 $115,000 $94 3.88%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,645 3.13%
Starkville, MS (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.50%
Dyersburg, TN (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.88%
DECATUR, IL (FHA|USDA|VA) 1 $65,000 $65,000 $1,004 3.38%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.75%

North American Savings Bank F.s.b.'s top markets include Kansas City, Washington, New York, Los Angeles, and Seattle among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 12,568 $4,152,310,000 $330,387 $2,391 2.86%
VA 3,636 $1,562,230,000 $429,656 $5,417 2.41%
FHA 211 $57,015,000 $270,213 $6,386 2.75%

For the 2021 period, North American Savings Bank F.s.b.'s most frequently originated loan type of loans were Conventional, with 12,568 originations. Their 2nd most popular type is VA, with 3,636 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 7,266 $2,494,240,000 $343,276 $2,002 2.59%
Home Purchase 4,425 $1,667,235,000 $376,776 $4,944 2.98%
Cash Out Refi 4,280 $1,465,660,000 $342,444 $3,321 2.80%
Other 405 $132,535,000 $327,247 $2,291 2.94%
Home Improvement 39 $11,885,000 $304,744 $2,873 2.97%

For the 2021, North American Savings Bank F.s.b.'s most frequently cited loan purpose of loans were Refi, with 7,266 originations. The 2nd most popular reason of loans were Home Purchase, with 4,425 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 13,082 $4,743,790,000 $362,620 $3,453 2.82%
15 Year 1,999 $601,205,000 $300,753 $2,130 2.37%
20 Year 928 $297,500,000 $320,582 $2,030 2.68%
Other 212 $81,300,000 $383,491 $1,952 3.29%
10 Year 189 $46,215,000 $244,524 $1,703 2.27%
1 Year 5 $1,545,000 $309,000 $0 5.00%

For the 2021, North American Savings Bank F.s.b.'s most frequently cited loan length of loans were 30 Year, with 13,082 originations. The 2nd most popular length of loans were 15 Year, with 1,999 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 13,147 $4,680,305,000 $355,998
$1k-2k 683 $226,205,000 $331,193
$3k-4k 436 $159,230,000 $365,206
$5k+ 367 $208,425,000 $567,916
$2k-3k 329 $113,155,000 $343,936

$3,453 of loans were North American Savings Bank F.s.b.'s average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 13,147 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 7,157 $2,500,935,000 $349,439
<2.5% 6,376 $2,453,080,000 $384,737
3-4% 2,401 $630,875,000 $262,755
4-5% 265 $107,565,000 $405,906
5-6% 155 $58,815,000 $379,452
6-7% 61 $20,285,000 $332,541

During 2021, North American Savings Bank F.s.b.'s average interest rate of loans were 2.82%, while their most frequently originated rate bucket of loans were 2.5-3%, with 7,157 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 9,370 $2,837,040,000 $302,779 $2,663 2.71%
$400k-600k 3,969 $1,878,865,000 $473,385 $3,619 2.66%
$100k-200k 1,945 $302,755,000 $155,658 $2,184 3.09%
$600k-1MM 767 $560,565,000 $730,854 $7,150 2.76%
$100,000 or less 232 $18,830,000 $81,164 $1,820 3.47%
$1MM+ 132 $173,500,000 $1,314,394 $13,302 2.90%

2021 saw North American Savings Bank F.s.b. place emphasis on $200k-400k loans with 9,370 originations, totaling $2,837,040,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 4,623 $1,588,215,000 $343,546 $3,072 2.75%
$150k-250k 3,807 $1,485,345,000 $390,162 $3,369 2.77%
$75k-100k 2,513 $776,135,000 $308,848 $3,235 2.77%
$50k-75k 1,854 $489,250,000 $263,889 $3,278 2.81%
$250k+ 1,304 $604,670,000 $463,704 $4,326 2.88%
$50k or less 543 $99,515,000 $183,269 $2,521 3.06%

North American Savings Bank F.s.b. lent most frequently to those with incomes in the $100k-150k range, with 4,623 originations. The second most popular income band? $150k-250k, with 3,807 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 3,911 $1,292,775,000 $330,548 $2,604 2.73%
30-36% 2,619 $901,945,000 $344,385 $3,119 2.80%
<20% 1,709 $536,785,000 $314,093 $2,338 2.77%
43% 515 $174,375,000 $338,592 $3,523 2.88%
50-60% 500 $226,260,000 $452,520 $7,996 2.64%
44% 485 $170,005,000 $350,526 $3,815 2.92%
41% 467 $168,155,000 $360,075 $3,491 2.87%
36% 454 $160,820,000 $354,229 $3,524 2.86%
40% 453 $151,285,000 $333,962 $3,172 2.82%
37% 449 $157,205,000 $350,122 $3,267 2.78%
42% 440 $155,690,000 $353,841 $3,709 2.87%
39% 434 $146,470,000 $337,488 $3,307 2.83%
38% 411 $141,215,000 $343,589 $3,059 2.85%
49% 386 $130,130,000 $337,124 $3,667 2.86%
45% 368 $129,030,000 $350,625 $3,269 2.86%
46% 341 $120,915,000 $354,589 $3,595 2.84%
47% 339 $129,665,000 $382,493 $4,860 2.83%
48% 323 $115,025,000 $356,115 $3,978 2.81%
>60% 96 $49,050,000 $510,938 $9,634 2.63%

North American Savings Bank F.s.b. lent most frequently to those with DTI ratios of 20-30%, with 3,911 originations. The next most common DTI ratio? 30-36%, with 2,619 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 10,026 $3,471,540,000 $346,254 $3,208 2.74%
Not provided 3,681 $1,320,645,000 $358,773 $3,104 2.73%
Asian 1,199 $432,805,000 $360,972 $2,757 2.73%
Black 597 $208,645,000 $349,489 $3,942 2.83%
Asian Indian 409 $150,745,000 $368,570 $2,261 2.69%
American Indian 135 $46,625,000 $345,370 $4,060 2.75%
Not applicable 85 $37,265,000 $438,412 $0 5.91%
Chinese 66 $24,430,000 $370,152 $2,657 2.88%
Filipino 64 $23,310,000 $364,219 $2,256 2.72%
Other Asian 43 $14,525,000 $337,791 $2,332 2.90%
Native Hawaiian 32 $13,050,000 $407,813 $4,406 2.73%
Korean 31 $10,205,000 $329,194 $1,451 2.69%
Vietnamese 27 $9,375,000 $347,222 $2,774 2.64%
Japanese 11 $4,925,000 $447,727 $2,401 2.55%
Other Pacific Islander 6 $2,220,000 $370,000 $2,412 2.83%
Native Hawiian 1 $565,000 $565,000 $0 2.88%
Guamanian 1 $375,000 $375,000 $6,973 2.25%
Samoan 1 $305,000 $305,000 $7,281 2.38%

Approval Rates

Total approvals of all applications
80.39%

North American Savings Bank F.s.b. has a below average approval rate.

Pick Rate

Approvals leading to origination
69.80%

North American Savings Bank F.s.b. 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 16,415 $5,771,555,000 $351,602

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
16,415 $5,771,555,000 $351,602

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 954 $256,690,000 $269,067 $2,118 2.71%
40-60% 3,638 $1,171,040,000 $321,891 $2,107 2.72%
60-80% 6,341 $2,177,545,000 $343,407 $2,628 2.87%
80-100% 3,510 $1,348,720,000 $384,251 $4,728 2.83%
Over 100% 275 $125,905,000 $457,836 $15,617 2.54%
Under 20% 68 $14,370,000 $211,324 $2,192 3.24%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
North American Savings Bank, F.S.B. 1001 N Jesse James Road Excelsior Springs, MO 64024 Full Service B&M $95,003
North American Savings Bank, F.S.B. 11400 E 23rd Street Independence, MO 64052 Full Service B&M $88,319
North American Savings Bank, F.S.B. 125th And South 71 Highway Grandview, MO 64030 Full Service B&M $551,214
North American Savings Bank, F.S.B. 2002 East Mechanic Street Harrisonville, MO 64701 Full Service B&M $90,872
North American Savings Bank, F.S.B. 205 South 13th Street Lexington, MO 64067 Full Service B&M $100,814
North American Savings Bank, F.S.B. 228 S 2nd St Odessa, MO 64076 Full Service B&M $18,859
North American Savings Bank, F.S.B. 2707 Prairie View Road Platte City, MO 64079 Full Service B&M $34,366
North American Savings Bank, F.S.B. 646 North 291 Highway Lee's Summit, MO 64063 Full Service B&M $128,678
North American Savings Bank, F.S.B. 7012 Nw Barry Road Kansas City, MO 64153 Full Service B&M $47,850
North American Savings Bank, F.S.B. 8501 North Oak Trafficway Gladstone, MO 64119 Full Service B&M $146,188
North American Savings Bank, F.S.B. 920 Belt Highway St. Joseph, MO 64501 Full Service B&M $144,636

For 2021, North American Savings Bank F.s.b. had 11 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $108,948
Net interest income $95,971
Total noninterest income $131,383
Gross Fiduciary activities income $0
Service charges on deposit accounts $1,189
Trading account gains and fees $0
Additional Noninterest Income $130,194
Pre-tax net operating income $71,795
Securities gains (or losses, -) $290
Income before extraordinary items $56,747
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $56,747
Minority interest net income $0
Net income $56,747
Sale, conversion, retirement of capital stock, net $650
Net operating income $56,517

North American Savings Bank F.s.b.'s gross interest income from loans was $108,948,000.
North American Savings Bank F.s.b.'s net interest income from loans was $95,971,000.
North American Savings Bank F.s.b.'s fee based income from loans was $1,189,000.
North American Savings Bank F.s.b.'s net income from loans was $56,747,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $12,977
Provision for credit losses $0
Total noninterest expense $155,559
Salaries and employee benefits $106,733
Premises and equipment expense $7,961
Additional noninterest expense $40,865
Applicable income taxes $15,338
Net charge-offs $4,573
Cash dividends $31,417

North American Savings Bank F.s.b.'s interest expense for loans was $12,977,000.
North American Savings Bank F.s.b.'s payroll and benefits expense were $106,733,000.
North American Savings Bank F.s.b.'s property, plant and equipment expenses $7,961,000.

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 0.0%
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 $1,365,672
Deposits held in domestic offices $1,365,672
Deposits by Individuals, partnerships, and corporations $1,159,355
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $30,060
Deposits by Commercial banks and other depository institutions in U.S. $176,257
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $264,975
Demand deposits $259,101
Nontransaction accounts $1,100,697
Money market deposit accounts (MMDAs) $313,792
Other savings deposits (excluding MMDAs) $183,658
Total time deposits $603,247
Total time and savings deposits $1,106,571
Noninterest-bearing deposits $149,965
Interest-bearing deposits $1,215,707
Retail deposits $1,270,281
IRAs and Keogh plan accounts $58,614
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $2,177,145
Cash & Balances due from depository institutions $194,250
Interest-bearing balances $189,554
Total securities $130,590
Federal funds sold & reverse repurchase $0
Net loans and leases $1,756,245
Loan and leases loss allowance $26,562
Trading account assets $0
Bank premises and fixed assets $15,546
Other real estate owned $14,067
Goodwill and other intangibles $21,681
All other assets $44,766

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $2,177,145
Total Liabilities $1,775,453
Total deposits $1,365,672
Interest-bearing deposits $1,215,707
Deposits held in domestic offices $1,365,672
% insured (estimated) $88
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $375,422
Subordinated debt $0
All other liabilities $34,359

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,756,245
Loan and leases loss allowance $26,562
Total loans and leases (domestic) $1,782,807
All real estate loans $1,802,958
Real estate loans in domestic offices $1,802,958
Construction and development loans $204,255
Residential 1-4 family construction $149,038
Other construction, all land development and other land $55,217
Loans secured by nonfarm nonresidential properties $128,717
Nonfarm nonresidential secured by owner-occupied properties $895
Commercial real estate & other non-farm, non-residential $127,822
Multifamily residential real estate $20,598
1-4 family residential loans $1,448,552
Farmland loans $836
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $14,024
To non-U.S. addressees $0
Loans to individuals $374
Credit card loans $0
Related Plans $40
Consumer Auto Loans $0
Other loans to individuals $334
All other loans & leases $0
Loans to foreign governments and official institutions $0
Other loans $0
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 $7,116
Non 1-4 family restructured loans & leases $6,385
Total loans and leases (foreign) $0

North American Savings Bank F.S.B. had $1,756,245,000 of loans outstanding in 2021. $1,802,958,000 of loans were in real estate loans. $204,255,000 of loans were in development loans. $20,598,000 of loans were in multifamily mortgage loans. $1,448,552,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 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 60 $16,318 $271,967
Nonfarm, nonresidential loans - <$100k 8 $162 $20,250
Nonfarm, nonresidential loans - $100-250k 17 $2,200 $129,412
Nonfarm, nonresidential loans - $250k-1MM 35 $13,956 $398,743
Commercial & Industrial, US addressed loans - <$1MM 2 $75 $37,500
Commercial & Industrial, US addressed loans - $100-250k 1 $0 $0
Commercial & Industrial, US addressed loans - $250k-1MM 1 $75 $75,000
Farmland loans - <$1MM 13 $836 $64,308
Farmland loans - <$100k 6 $108 $18,000
Farmland loans - $100-250k 5 $471 $94,200
Farmland loans - $250k-1MM 2 $257 $128,500