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

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & 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 by origination volume include: Kansas City, Washington, New York, Los Angeles, and Seattle among others. We have data for 585 markets. (Some data included below & more in-depth data is available with an active subscription.)

    North American Savings Bank F.s.b. 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. North American Savings Bank F.s.b. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.28% 9/29/22
    30 Year Conventional Refi 5.90% 9/29/22
    30 Year Cash-out Refi 6.06% 9/29/22
    30 Year FHA Purchase 6.82% 9/29/22
    30 Year FHA Refi 6.41% 9/29/22
    30 Year VA Purchase 5.69% 9/29/22
    30 Year VA Refi 5.49% 9/29/22
    15 Year Conventional Purchase 5.66% 9/29/22
    15 Year Conventional Refi 5.42% 9/29/22
    15 Year Cash-out Refi 5.42% 9/29/22
    15 Year FHA Purchase 5.44% 9/29/22
    15 Year FHA Refi 5.44% 9/29/22
    15 Year VA Purchase 5.50% 9/29/22
    15 Year VA Refi 5.48% 9/29/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    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 mortgage rate was 2.82%.

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

    This yields a difference of -0.33%.

    Relative Fees (Closing Costs)

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

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

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, North American Savings Bank F.s.b.'s most frequently originated type of loan was Conventional, with 12,568 originations. Their 2nd most popular type was VA, with 3,636 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, North American Savings Bank F.s.b.'s most frequently cited loan purpose was Refi, with 7,266 originations. The 2nd most popular reason was 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 2021, North American Savings Bank F.s.b.'s most frequently cited loan duration was 30 Year, with 13,082 originations. The 2nd most popular length was 15 Year, with 1,999 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 13,147 $4,680,305,000 $355,998
    $1k-2k 683 $226,205,000 $331,193
    $5k+ 367 $208,425,000 $567,916
    $2k-3k 329 $113,155,000 $343,936
    $3k-4k 255 $86,705,000 $340,020
    $4k-5k 181 $72,525,000 $400,691

    North American Savings Bank F.s.b.'s average total fees were $3,453, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.82%, while their most frequently originated rate bucket for loans was 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 or Islander 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 Hawaiian 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
    82.51%

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

    Pick Rate

    Approvals leading to origination
    72.05%

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

    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