North American Savings Bank F.s.b. Mortgage Rates, Fees & Info
Grandview, MOLEI: 549300K6K2IS7FRS7S09
Tax ID: 44-0373310
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Review & Overview
North American Savings Bank F.s.b. is a small bank specializing in Home Purchase and Cash Out Refi loans. North American Savings Bank F.s.b. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, Washington, Atlanta, New York, and Phoenix among others. We have data for 467 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.72% | 11/21/24 |
| 30 Year Conventional Refi | 6.40% | 11/21/24 |
| 30 Year Cash-out Refi | 6.61% | 11/21/24 |
| 30 Year FHA Purchase | 7.03% | 11/21/24 |
| 30 Year FHA Refi | 7.21% | 11/21/24 |
| 30 Year VA Purchase | 5.85% | 11/21/24 |
| 30 Year VA Refi | 5.58% | 11/21/24 |
| 15 Year Conventional Purchase | 5.71% | 11/21/24 |
| 15 Year Conventional Refi | 5.74% | 11/21/24 |
| 15 Year Cash-out Refi | 5.74% | 11/21/24 |
| 15 Year FHA Purchase | 5.68% | 11/21/24 |
| 15 Year VA Purchase | 5.74% | 11/21/24 |
| 15 Year VA Refi | 5.90% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
North American Savings Bank F.s.b. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,357Origination Dollar Volume (All Markets)
$1,275,865,000Employee count
446Awards
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North American Savings Bank F.S.B. - 2018
North American Savings Bank F.S.B. is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 779 | $193,405,000 | $248,273 | $2,866 | 4.61% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 126 | $53,640,000 | $425,714 | $7,259 | 4.21% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 137 | $41,045,000 | $299,599 | $6,492 | 4.41% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 86 | $32,230,000 | $374,767 | $8,020 | 4.24% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 106 | $31,670,000 | $298,774 | $6,894 | 4.33% |
| Outside of Metro Areas | 119 | $30,305,000 | $254,664 | $4,799 | 4.37% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 57 | $25,575,000 | $448,684 | $8,980 | 4.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 85 | $24,815,000 | $291,941 | $6,873 | 4.46% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 72 | $20,500,000 | $284,722 | $6,040 | 4.56% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 74 | $20,090,000 | $271,486 | $7,322 | 4.65% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 48 | $18,830,000 | $392,292 | $7,166 | 4.32% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 53 | $18,245,000 | $344,245 | $7,694 | 4.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 63 | $18,185,000 | $288,651 | $6,303 | 4.40% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 53 | $17,805,000 | $335,943 | $7,983 | 4.32% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 55 | $16,975,000 | $308,636 | $5,365 | 4.13% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 60 | $16,790,000 | $279,833 | $5,975 | 4.36% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 29 | $16,375,000 | $564,655 | $12,673 | 4.54% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 50 | $15,970,000 | $319,400 | $6,492 | 4.36% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 49 | $14,945,000 | $305,000 | $7,101 | 4.22% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 43 | $14,935,000 | $347,326 | $7,170 | 4.12% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 39 | $14,915,000 | $382,436 | $9,098 | 4.20% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 30 | $14,240,000 | $474,667 | $11,540 | 4.51% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 39 | $13,975,000 | $358,333 | $7,105 | 4.31% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 34 | $13,940,000 | $410,000 | $8,175 | 4.47% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 43 | $13,835,000 | $321,744 | $7,538 | 4.40% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 44 | $12,450,000 | $282,955 | $6,518 | 4.29% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 49 | $11,545,000 | $235,612 | $6,295 | 4.55% |
| ANCHORAGE, AK (FHA|USDA|VA) | 29 | $11,025,000 | $380,172 | $9,114 | 4.01% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 35 | $10,295,000 | $294,143 | $7,131 | 4.31% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 29 | $9,655,000 | $332,931 | $6,188 | 4.52% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 35 | $8,925,000 | $255,000 | $6,653 | 4.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 32 | $8,880,000 | $277,500 | $4,277 | 4.34% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 25 | $8,525,000 | $341,000 | $6,578 | 4.43% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 35 | $8,295,000 | $237,000 | $5,170 | 4.32% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 27 | $7,875,000 | $291,667 | $6,964 | 4.92% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 12 | $7,750,000 | $645,833 | $13,934 | 4.11% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 17 | $7,115,000 | $418,529 | $9,912 | 4.62% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 28 | $6,740,000 | $240,714 | $6,065 | 4.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 22 | $6,530,000 | $296,818 | $5,033 | 4.47% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 23 | $6,215,000 | $270,217 | $6,386 | 4.65% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 25 | $6,075,000 | $243,000 | $5,692 | 4.28% |
| RICHMOND, VA (FHA|USDA|VA) | 21 | $5,975,000 | $284,524 | $3,713 | 4.35% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 23 | $5,315,000 | $231,087 | $6,616 | 4.39% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 18 | $5,230,000 | $290,556 | $5,305 | 4.58% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 25 | $5,145,000 | $205,800 | $7,039 | 4.79% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 18 | $4,960,000 | $275,556 | $7,170 | 4.01% |
| PROVO-OREM, UT (FHA|USDA|VA) | 14 | $4,780,000 | $341,429 | $5,937 | 4.39% |
| LOUISVILLE, KY (FHA|USDA|VA) | 16 | $4,760,000 | $297,500 | $5,198 | 4.15% |
| TOPEKA, KS (FHA|USDA|VA) | 5 | $4,735,000 | $947,000 | $5,246 | 4.63% |
| RENO, NV (FHA|USDA|VA) | 15 | $4,695,000 | $313,000 | $7,824 | 4.04% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 18 | $4,690,000 | $260,556 | $8,789 | 4.41% |
| ASHEVILLE, NC (FHA|USDA|VA) | 15 | $4,575,000 | $305,000 | $5,045 | 4.34% |
| TULSA, OK (FHA|USDA|VA) | 15 | $4,525,000 | $301,667 | $3,736 | 4.12% |
| SAVANNAH, GA (FHA|USDA|VA) | 18 | $4,440,000 | $246,667 | $5,788 | 4.40% |
| COLUMBUS, OH (FHA|USDA|VA) | 18 | $4,350,000 | $241,667 | $5,501 | 4.59% |
| PITTSBURGH, PA (FHA|USDA|VA) | 14 | $4,350,000 | $310,714 | $6,596 | 4.05% |
| BOISE CITY, ID (FHA|USDA|VA) | 15 | $4,175,000 | $278,333 | $4,972 | 4.53% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 10 | $4,150,000 | $415,000 | $7,187 | 4.31% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 9 | $4,135,000 | $459,444 | $15,834 | 4.89% |
| TUCSON, AZ (FHA|USDA|VA) | 13 | $3,925,000 | $301,923 | $6,812 | 4.30% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 10 | $3,890,000 | $389,000 | $4,189 | 4.29% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 13 | $3,855,000 | $296,538 | $6,467 | 4.14% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 11 | $3,825,000 | $347,727 | $6,250 | 4.09% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 12 | $3,780,000 | $315,000 | $7,862 | 4.21% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 10 | $3,750,000 | $375,000 | $5,970 | 4.30% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 3 | $3,675,000 | $1,225,000 | $7,692 | 4.75% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 12 | $3,660,000 | $305,000 | $6,699 | 4.42% |
| KNOXVILLE, TN (FHA|USDA|VA) | 10 | $3,650,000 | $365,000 | $4,584 | 4.21% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 12 | $3,640,000 | $303,333 | $5,963 | 4.27% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 18 | $3,590,000 | $199,444 | $4,015 | 4.60% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 16 | $3,560,000 | $222,500 | $5,887 | 4.95% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $3,490,000 | $872,500 | $10,990 | 4.84% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 11 | $3,405,000 | $309,545 | $6,454 | 4.10% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 11 | $3,405,000 | $309,545 | $6,208 | 4.16% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 10 | $3,220,000 | $322,000 | $4,294 | 4.05% |
| VALLEJO, CA (FHA|USDA|VA) | 8 | $3,160,000 | $395,000 | $7,586 | 4.14% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 13 | $3,095,000 | $238,077 | $5,507 | 4.20% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 15 | $3,075,000 | $205,000 | $4,387 | 4.68% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 14 | $3,070,000 | $219,286 | $5,162 | 4.55% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 14 | $3,070,000 | $219,286 | $3,638 | 45.62% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 11 | $3,005,000 | $273,182 | $6,554 | 4.45% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 8 | $2,950,000 | $368,750 | $5,833 | 4.09% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 11 | $2,795,000 | $254,091 | $7,370 | 4.24% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 9 | $2,785,000 | $309,444 | $6,080 | 3.97% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 12 | $2,740,000 | $228,333 | $5,126 | 4.65% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 12 | $2,740,000 | $228,333 | $5,243 | 4.58% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 10 | $2,690,000 | $269,000 | $4,976 | 4.81% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 12 | $2,540,000 | $211,667 | $4,287 | 4.29% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 9 | $2,495,000 | $277,222 | $5,997 | 4.49% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 11 | $2,445,000 | $222,273 | $3,742 | 4.27% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $2,405,000 | $343,571 | $3,629 | 4.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $2,350,000 | $391,667 | $7,073 | 4.83% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 17 | $2,335,000 | $137,353 | $2,305 | 4.71% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 10 | $2,290,000 | $229,000 | $3,846 | 4.39% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $2,260,000 | $282,500 | $4,856 | 4.27% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 9 | $2,255,000 | $250,556 | $4,374 | 4.07% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 9 | $2,105,000 | $233,889 | $4,369 | 4.35% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $3,284 | 4.67% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 9 | $2,065,000 | $229,444 | $8,075 | 5.21% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $6,150 | 4.31% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $8,496 | 4.67% |
| COLUMBIA, SC (FHA|USDA|VA) | 8 | $1,930,000 | $241,250 | $3,372 | 4.66% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $1,925,000 | $385,000 | $9,693 | 4.30% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $1,920,000 | $480,000 | $9,155 | 4.41% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $6,908 | 4.35% |
| WILMINGTON, NC (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $9,333 | 3.98% |
| MOBILE, AL (FHA|USDA|VA) | 7 | $1,815,000 | $259,286 | $5,664 | 4.02% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 6 | $1,780,000 | $296,667 | $4,661 | 4.46% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 7 | $1,745,000 | $249,286 | $6,459 | 4.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 9 | $1,735,000 | $192,778 | $4,363 | 4.46% |
| BATON ROUGE, LA (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $9,328 | 4.16% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $6,911 | 4.03% |
| LYNCHBURG, VA (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $8,636 | 4.60% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $10,448 | 3.78% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $4,113 | 4.21% |
| WICHITA, KS (FHA|USDA|VA) | 9 | $1,615,000 | $179,444 | $4,712 | 4.28% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $5,492 | 4.53% |
| Helena, MT (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $3,944 | 4.23% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $6,071 | 4.20% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $8,990 | 4.08% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,545,000 | $515,000 | $16,475 | 4.17% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $3,843 | 4.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $5,124 | 4.06% |
| GRANTS PASS, OR (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $6,688 | 4.31% |
| ST. GEORGE, UT (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $6,374 | 4.13% |
| AKRON, OH (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $7,400 | 3.98% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $0 | 6.00% |
| ROANOKE, VA (FHA|USDA|VA) | 7 | $1,445,000 | $206,429 | $2,676 | 5.02% |
| OCALA, FL (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $4,898 | 4.35% |
| CORVALLIS, OR (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $6,288 | 4.28% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $6,164 | 4.19% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $5,086 | 5.13% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $2,420 | 4.17% |
| MANHATTAN, KS (FHA|USDA|VA) | 4 | $1,330,000 | $332,500 | $4,561 | 4.28% |
| VALDOSTA, GA (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $4,967 | 3.98% |
| SALEM, OR (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $5,025 | 4.06% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $6,557 | 4.34% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $3,898 | 4.06% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 7 | $1,285,000 | $183,571 | $3,764 | 4.32% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $3,801 | 4.08% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $3,728 | 4.58% |
| ROCHESTER, NY (FHA|USDA|VA) | 6 | $1,240,000 | $206,667 | $5,398 | 4.35% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $5,192 | 4.16% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $7,631 | 4.16% |
| NAPA, CA (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $8,895 | 4.13% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $5,909 | 4.29% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $4,389 | 4.29% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $4,474 | 4.20% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $6,151 | 4.98% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $7,965 | 4.50% |
| FAIRBANKS, AK (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $4,697 | 4.09% |
| LANCASTER, PA (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $6,129 | 4.23% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $9,514 | 3.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $4,751 | 4.34% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 6 | $1,130,000 | $188,333 | $1,237 | 4.90% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $11,652 | 4.16% |
| BURLINGTON, NC (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $3,872 | 4.38% |
| FARGO, ND-MN (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $5,865 | 4.56% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $3,231 | 4.68% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $4,043 | 3.96% |
| REDDING, CA (FHA|USDA|VA) | 6 | $1,080,000 | $180,000 | $5,440 | 4.50% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $7,823 | 4.08% |
| GAINESVILLE, GA (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $4,660 | 4.25% |
| LAWTON, OK (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $4,835 | 4.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $1,115 | 4.44% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $12,141 | 4.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $4,575 | 4.65% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $5,872 | 4.13% |
| PUEBLO, CO (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $3,221 | 4.47% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $3,236 | 4.81% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $4,639 | 4.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $6,265 | 4.33% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $8,543 | 3.92% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $9,742 | 4.08% |
| Key West, FL (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $0 | 5.58% |
| Warrensburg, MO (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $2,372 | 4.90% |
| WALLA WALLA, WA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,301 | 5.06% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,885 | 4.47% |
| SUMTER, SC (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $4,372 | 4.25% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $6,642 | 3.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $5,385 | 4.58% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $5,309 | 4.16% |
| Hilo, HI (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $6,155 | 4.09% |
| Fredericksburg, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $4,512 | 3.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $7,439 | 4.53% |
| MONTGOMERY, AL (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $3,004 | 4.88% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $3,698 | 4.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $9,616 | 4.29% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $3,242 | 4.34% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $1,271 | 4.94% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $2,970 | 4.69% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $11,873 | 4.31% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $1,756 | 4.96% |
| Sanford, NC (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,325 | 4.38% |
| Cullman, AL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $6,687 | 4.00% |
| Fernley, NV (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,718 | 3.79% |
| DOVER, DE (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $8,940 | 4.13% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $5,840 | 4.29% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $10,635 | 4.06% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $8,866 | 4.17% |
| SAN ANGELO, TX (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $7,405 | 4.63% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,005 | 4.75% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $5,791 | 4.19% |
| HINESVILLE, GA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,340 | 4.38% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $2,021 | 4.33% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $12,242 | 4.44% |
| NEW BERN, NC (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,005 | 4.17% |
| Aberdeen, WA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,733 | 4.13% |
| Gillette, WY (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,974 | 3.69% |
| BEND, OR (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $22,625 | 3.50% |
| Columbus, MS (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $10,530 | 4.00% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $11,258 | 4.31% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $6,300 | 4.29% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $8,351 | 4.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $9,290 | 4.66% |
| FLORENCE, SC (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $6,861 | 3.92% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $7,476 | 4.29% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $11,472 | 4.88% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $1,453 | 3.94% |
| Branson, MO (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,001 | 4.75% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $10,706 | 4.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $12,519 | 4.44% |
| WACO, TX (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $5,394 | 5.13% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $9,438 | 4.06% |
| Outside of Metro Areas | 3 | $655,000 | $218,333 | $3,620 | 4.92% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $2,624 | 3.92% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $592 | 4.50% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,917 | 3.56% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $2,473 | 4.58% |
| ALTOONA, PA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $5,938 | 4.25% |
| Laramie, WY (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $9,064 | 3.50% |
| TWIN FALLS, ID (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,981 | 3.83% |
| EL CENTRO, CA (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $7,956 | 5.15% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,987 | 4.25% |
| Granbury, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $13,391 | 4.00% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $14,364 | 4.50% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,906 | 4.25% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 4.00% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,548 | 4.38% |
| MONROE, LA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,049 | 4.50% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,741 | 3.88% |
| Newport, OR (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $890 | 5.17% |
| Heber, UT (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,209 | 4.38% |
| Ozark, AL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $1,920 | 4.25% |
| Torrington, CT (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $19,114 | 4.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,973 | 4.31% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,596 | 3.88% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $5,854 | 5.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,639 | 4.63% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,726 | 4.94% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $796 | 5.38% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,385 | 4.63% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,420 | 4.00% |
| Bogalusa, LA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,091 | 4.75% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,382 | 4.63% |
| Warsaw, IN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,535 | 3.75% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $1,193 | 5.06% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,725 | 4.19% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $9,790 | 3.69% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $1,883 | 3.88% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $9,909 | 3.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $2,843 | 4.33% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,214 | 5.13% |
| JACKSON, MI (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $1,607 | 4.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $11,944 | 4.38% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,186 | 4.00% |
| MONROE, MI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,809 | 4.50% |
| New Castle, IN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,869 | 4.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,513 | 4.56% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,410 | 4.25% |
| Hutchinson, MN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,704 | 4.19% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,897 | 4.25% |
| Dublin, GA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $9,742 | 4.25% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $18,270 | 4.13% |
| MADERA, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $1,615 | 3.88% |
| ELMIRA, NY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,351 | 4.81% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,210 | 3.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,777 | 4.31% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $9,137 | 4.19% |
| Shelby, NC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $1,645 | 4.56% |
| Somerset, KY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,307 | 4.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,792 | 4.75% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 5.25% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,696 | 3.75% |
| Shelton, WA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,660 | 3.88% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,277 | 4.00% |
| Oskaloosa, IA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,217 | 3.75% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,782 | 4.13% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,270 | 4.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,678 | 4.56% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,192 | 4.38% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,663 | 5.19% |
| Marshalltown, IA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,965 | 4.71% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,191 | 4.38% |
| DALTON, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,494 | 4.56% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,457 | 4.50% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,348 | 4.31% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,581 | 4.25% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,646 | 4.25% |
| LIMA, OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,805 | 4.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,184 | 4.63% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,956 | 4.63% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,912 | 4.13% |
| ENID, OK (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,902 | 4.31% |
| Enterprise, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,282 | 4.69% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,178 | 3.69% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,100 | 4.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,315 | 4.25% |
| Hastings, NE (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,689 | 3.88% |
| Urbana, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,402 | 4.13% |
| Montrose, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $893 | 4.25% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,428 | 3.38% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,054 | 4.25% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,824 | 3.25% |
| North Platte, NE (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,265 | 3.50% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,921 | 4.25% |
| Meadville, PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,597 | 4.69% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,487 | 4.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,526 | 4.56% |
| Astoria, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,702 | 3.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,989 | 4.13% |
| Prineville, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,044 | 3.50% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,760 | 3.88% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $15,620 | 4.38% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,887 | 4.25% |
| Farmington, MO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $245 | 4.13% |
| Laconia, NH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,741 | 3.88% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,943 | 4.25% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,863 | 4.38% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,590 | 4.00% |
| Clovis, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,759 | 4.38% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,669 | 3.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,423 | 3.75% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,334 | 4.50% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,990 | 4.25% |
| Warren, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,041 | 4.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 5.75% |
| Dayton, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 3.88% |
| Barre, VT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,259 | 4.00% |
| Austin, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,705 | 4.25% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,472 | 4.63% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,857 | 4.63% |
| Sedalia, MO (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,080 | 5.94% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,255 | 4.63% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,650 | 4.63% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,212 | 4.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,745 | 3.75% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $645 | 4.25% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $689 | 4.38% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,945 | 4.13% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,480 | 5.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,318 | 4.75% |
| Aberdeen, SD (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,819 | 3.63% |
| Meridian, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,418 | 4.25% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,207 | 3.75% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,219 | 4.25% |
| Kinston, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,074 | 4.50% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,025 | 4.38% |
| ERIE, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,686 | 4.13% |
| Albertville, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $589 | 3.88% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,184 | 4.63% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,305 | 4.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 6.88% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,821 | 4.50% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $492 | 4.50% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,446 | 4.13% |
| Palatka, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,839 | 4.25% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,109 | 4.25% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,000 | 3.75% |
| Sayre, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 5.63% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,007 | 4.38% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,429 | 4.88% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,498 | 3.75% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,043 | 4.69% |
| Wooster, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,446 | 4.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,730 | 4.38% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,297 | 4.13% |
| Wabash, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,829 | 4.25% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $97 | 3.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,284 | 4.75% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,265 | 4.38% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,241 | 3.75% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,558 | 5.19% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,363 | 4.00% |
| Garden City, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,095 | 4.63% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,310 | 4.00% |
| CASPER, WY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,920 | 4.25% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,559 | 4.38% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,883 | 4.25% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,055 | 5.00% |
| Plainview, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,411 | 3.75% |
| Durant, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $75 | 4.88% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,427 | 3.88% |
| Oxford, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,466 | 4.63% |
| Centralia, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,469 | 4.63% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,084 | 4.75% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.25% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,310 | 3.50% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,166 | 4.38% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,614 | 4.25% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,908 | 4.25% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,005 | 4.25% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,254 | 4.38% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,268 | 4.25% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,609 | 4.25% |
| Findlay, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,841 | 4.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,514 | 4.75% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,343 | 4.38% |
| Ada, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,016 | 4.25% |
| Boone, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,983 | 3.88% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,665 | 4.75% |
| Brevard, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,967 | 3.88% |
| Alice, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,990 | 4.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,232 | 4.63% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,050 | 3.63% |
| Douglas, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,122 | 3.75% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,328 | 4.38% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $700 | 4.38% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,715 | 4.38% |
| Athens, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,715 | 5.00% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,560 | 5.13% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,644 | 4.88% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,868 | 4.25% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,347 | 4.50% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,518 | 3.88% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,707 | 4.25% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.13% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,591 | 3.88% |
| Moscow, ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,647 | 3.88% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,310 | 4.88% |
| Marion, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,009 | 3.88% |
| Marion, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,063 | 4.75% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,421 | 3.75% |
| MADISON, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,794 | 3.88% |
| Corning, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,055 | 5.25% |
| Emporia, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,309 | 3.50% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,409 | 3.88% |
| Richmond, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,096 | 3.75% |
| FLINT, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,819 | 3.25% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,614 | 4.63% |
| Winfield, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,516 | 4.38% |
| Washington, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,354 | 3.25% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,116 | 4.13% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $426 | 5.25% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,546 | 5.00% |
| Rolla, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,384 | 4.63% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,073 | 4.50% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,224 | 4.63% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,057 | 5.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,971 | 4.25% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,411 | 4.75% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,925 | 5.13% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,384 | 4.63% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,594 | 4.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.50% |
| READING, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,469 | 5.13% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,286 | 4.38% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,591 | 5.63% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,191 | 4.13% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.38% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,108 | 4.88% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.50% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $290 | 5.38% |
| Salem, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.63% |
| Forest City, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,029 | 4.13% |
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Product Mix
For 2018, North American Savings Bank F.s.b.'s most frequently originated type of loan was VA, with 2,359 originations. Their 2nd most popular type was Conventional, with 1,608 originations.
Loan Reason
For 2018, North American Savings Bank F.s.b.'s most frequently cited loan purpose was Home Purchase, with 2,698 originations. The 2nd most popular reason was Cash Out Refi, with 1,316 originations.
Loan Duration/Length
For 2018, North American Savings Bank F.s.b.'s most frequently cited loan duration was 30 Year, with 3,647 originations. The 2nd most popular length was 15 Year, with 355 originations.
Origination Fees/Closing Costs
North American Savings Bank F.s.b.'s average total fees were $5,837, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,095 originations.
Interest Rates
During 2018, North American Savings Bank F.s.b.'s average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 2,502 originations.
Loan Sizing
2018 saw North American Savings Bank F.s.b. place emphasis on $200k-400k loans with 2,380 originations, totaling $673,860,000 in origination value.
Applicant Income
North American Savings Bank F.s.b. lent most frequently to those with incomes in the $100k-150k range, with 1,141 originations. The second most popular income band? $50k-75k, with 913 originations.
Applicant Debt to Income Ratio
North American Savings Bank F.s.b. lent most frequently to those with DTI ratios of 50-60%, with 662 originations. The next most common DTI ratio? 30-36%, with 624 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.94%
North American Savings Bank F.s.b. has a below average approval rate.
Pick Rate
Approvals leading to origination65.53%
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 | 4,357 | $1,275,865,000 | $292,831 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 14 | $18,620,000 | $1,330,000 |
| Single Family (1-4 Units):Site-Built | 4,343 | $1,257,245,000 | $289,488 |
LTV Distribution
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 | $79,697 |
| North American Savings Bank, F.S.B. | 11400 E 23rd Street Independence, MO 64052 | Full Service B&M | $89,186 |
| North American Savings Bank, F.S.B. | 125th And South 71 Highway Grandview, MO 64030 | Full Service B&M | $701,641 |
| North American Savings Bank, F.S.B. | 2002 East Mechanic Street Harrisonville, MO 64701 | Full Service B&M | $78,364 |
| North American Savings Bank, F.S.B. | 205 South 13th Street Lexington, MO 64067 | Full Service B&M | $82,626 |
| North American Savings Bank, F.S.B. | 228 S 2nd St Odessa, MO 64076 | Full Service B&M | $20,433 |
| North American Savings Bank, F.S.B. | 2707 Prairie View Road Platte City, MO 64079 | Full Service B&M | $26,717 |
| North American Savings Bank, F.S.B. | 646 North 291 Highway Lee's Summit, MO 64063 | Full Service B&M | $116,639 |
| North American Savings Bank, F.S.B. | 7012 Nw Barry Road Kansas City, MO 64153 | Full Service B&M | $34,248 |
| North American Savings Bank, F.S.B. | 8501 North Oak Trafficway Gladstone, MO 64119 | Full Service B&M | $137,379 |
| North American Savings Bank, F.S.B. | 920 Belt Highway St. Joseph, MO 64501 | Full Service B&M | $135,669 |
For 2018, North American Savings Bank F.s.b. had 11 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $103,716 |
| Net interest income | $80,346 |
| Total noninterest income | $36,252 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,130 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $35,122 |
| Pre-tax net operating income | $40,661 |
| Securities gains (or losses, -) | $-8 |
| Income before extraordinary items | $30,648 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $30,648 |
| Minority interest net income | $0 |
| Net income | $30,648 |
| Sale, conversion, retirement of capital stock, net | $26 |
| Net operating income | $30,654 |
North American Savings Bank F.s.b.'s gross interest income from loans was $103,716,000.
North American Savings Bank F.s.b.'s net interest income from loans was $80,346,000.
North American Savings Bank F.s.b.'s fee based income from loans was $1,130,000.
North American Savings Bank F.s.b.'s net income from loans was $30,648,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $23,370 |
| Provision for credit losses | $3,375 |
| Total noninterest expense | $72,562 |
| Salaries and employee benefits | $45,860 |
| Premises and equipment expense | $6,806 |
| Additional noninterest expense | $19,896 |
| Applicable income taxes | $10,005 |
| Net charge-offs | $1,196 |
| Cash dividends | $29,738 |
North American Savings Bank F.s.b.'s interest expense for loans was $23,370,000.
North American Savings Bank F.s.b.'s payroll and benefits expense were $45,860,000.
North American Savings Bank F.s.b.'s property, plant and equipment expenses $6,806,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| 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 | $1,678,973 |
| Deposits held in domestic offices | $1,678,973 |
| Deposits by Individuals, partnerships, and corporations | $1,388,105 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $12,493 |
| Deposits by Commercial banks and other depository institutions in U.S. | $278,375 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $188,103 |
| Demand deposits | $77,647 |
| Nontransaction accounts | $1,490,870 |
| Money market deposit accounts (MMDAs) | $205,220 |
| Other savings deposits (excluding MMDAs) | $168,437 |
| Total time deposits | $1,117,214 |
| Total time and savings deposits | $1,601,326 |
| Noninterest-bearing deposits | $85,563 |
| Interest-bearing deposits | $1,593,410 |
| Retail deposits | $1,279,599 |
| IRAs and Keogh plan accounts | $68,426 |
| Brokered deposits | $286,901 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,185,032 |
| Cash & Balances due from depository institutions | $18,314 |
| Interest-bearing balances | $10,361 |
| Total securities | $117,735 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,982,731 |
| Loan and leases loss allowance | $20,488 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $11,025 |
| Other real estate owned | $5,889 |
| Goodwill and other intangibles | $15,202 |
| All other assets | $34,136 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,185,033 |
| Total Liabilities | $1,946,592 |
| Total deposits | $1,678,973 |
| Interest-bearing deposits | $1,593,410 |
| Deposits held in domestic offices | $1,678,973 |
| % insured (estimated) | $94 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $256,422 |
| Subordinated debt | $0 |
| All other liabilities | $11,197 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,982,731 |
| Loan and leases loss allowance | $20,488 |
| Total loans and leases (domestic) | $2,003,219 |
| All real estate loans | $2,052,591 |
| Real estate loans in domestic offices | $2,052,591 |
| Construction and development loans | $194,825 |
| Residential 1-4 family construction | $144,871 |
| Other construction, all land development and other land | $49,954 |
| Loans secured by nonfarm nonresidential properties | $205,154 |
| Nonfarm nonresidential secured by owner-occupied properties | $3,443 |
| Commercial real estate & other non-farm, non-residential | $201,711 |
| Multifamily residential real estate | $59,981 |
| 1-4 family residential loans | $1,589,807 |
| Farmland loans | $2,824 |
| Loans held in foreign offices | $0 |
| Farm loans | $527 |
| Commercial and industrial loans | $14,198 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $1,366 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $52 |
| Other loans to individuals | $1,314 |
| All other loans & leases | $251 |
| 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 | $12,577 |
| Non 1-4 family restructured loans & leases | $10,631 |
| Total loans and leases (foreign) | $0 |
North American Savings Bank F.S.B. had $1,982,731,000 of loans outstanding in 2018. $2,052,591,000 of loans were in real estate loans. $194,825,000 of loans were in development loans. $59,981,000 of loans were in multifamily mortgage loans. $1,589,807,000 of loans were in 1-4 family mortgage loans. $527,000 of loans were in farm loans. $0 of loans were in credit card loans. $52,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 115 | $32,265 | $280,565 |
| Nonfarm, nonresidential loans - <$100k | 28 | $746 | $26,643 |
| Nonfarm, nonresidential loans - $100-250k | 21 | $2,377 | $113,190 |
| Nonfarm, nonresidential loans - $250k-1MM | 66 | $29,142 | $441,545 |
| Commercial & Industrial, US addressed loans - <$1MM | 14 | $434 | $31,000 |
| Commercial & Industrial, US addressed loans - <$100k | 10 | $190 | $19,000 |
| Commercial & Industrial, US addressed loans - $100-250k | 3 | $111 | $37,000 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1 | $133 | $133,000 |
| Farmland loans - <$1MM | 29 | $2,822 | $97,310 |
| Farmland loans - <$100k | 13 | $467 | $35,923 |
| Farmland loans - $100-250k | 13 | $1,392 | $107,077 |
| Farmland loans - $250k-1MM | 3 | $963 | $321,000 |
| Agriculture operations loans - <$1MM | 13 | $527 | $40,538 |
| Agriculture operations loans - <$100k | 10 | $220 | $22,000 |
| Agriculture operations loans - $100-250k | 3 | $307 | $102,333 |