Plains Commerce Bank Mortgage Rates, Fees & Info
Gettysburg, SDLEI: 549300KJ8PAJ7E52HG32
Tax ID: 46-0108210
4.8 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Bank Data
Overview
Plains Commerce Bank is a mid-sized bank specializing in Home Purchase and Refi loans. Plains Commerce Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Sioux Falls, New York, Washington, Baltimore, and Orlando among others. Plains Commerce Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Plains Commerce Bank is typically an average fee lendor.Originations
20,978Origination Dollar Volume (All Markets)
$5,577,830,000Employee count
509Awards
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Plains Commerce Bank - 2021
Plains Commerce Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Plains Commerce Bank's average 30 year fixed rate mortgage of loans were
3.02%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.13%.
Relative Fees
Plains Commerce Bank's average total fees for a 30 year fixed rate
mortgage are $5,378.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SIOUX FALLS, SD (FHA|USDA|VA) | 2,596 | $620,320,000 | $238,952 | $4,269 | 2.90% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1,394 | $493,450,000 | $353,981 | $6,257 | 3.00% |
| Outside of Metro Areas | 1,635 | $293,775,000 | $179,679 | $4,258 | 2.90% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 783 | $290,435,000 | $370,926 | $6,449 | 2.89% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 852 | $274,440,000 | $322,113 | $5,851 | 2.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 917 | $264,535,000 | $288,479 | $6,023 | 3.10% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 798 | $199,670,000 | $250,213 | $3,811 | 2.85% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 701 | $185,245,000 | $264,258 | $5,584 | 3.12% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 481 | $142,715,000 | $296,705 | $3,089 | 2.52% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 378 | $137,900,000 | $364,815 | $7,363 | 2.94% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 573 | $135,275,000 | $236,082 | $6,605 | 2.98% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 384 | $133,820,000 | $348,490 | $5,286 | 3.03% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 218 | $82,240,000 | $377,248 | $4,812 | 3.11% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 296 | $79,240,000 | $267,703 | $4,578 | 2.82% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 300 | $74,520,000 | $248,400 | $3,327 | 2.94% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 278 | $73,880,000 | $265,755 | $3,566 | 2.84% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 296 | $71,770,000 | $242,466 | $4,008 | 2.97% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 255 | $62,505,000 | $245,118 | $5,955 | 3.11% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 241 | $62,335,000 | $258,651 | $5,962 | 2.95% |
| Kalispell, MT (FHA|USDA|VA) | 181 | $60,715,000 | $335,442 | $4,680 | 2.94% |
| Mountain Home, AR (FHA|USDA|VA) | 290 | $53,420,000 | $184,207 | $4,267 | 2.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 196 | $49,600,000 | $253,061 | $3,348 | 3.04% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 130 | $48,730,000 | $374,846 | $5,516 | 3.03% |
| PROVO-OREM, UT (FHA|USDA|VA) | 108 | $45,800,000 | $424,074 | $5,848 | 3.01% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 170 | $44,780,000 | $263,412 | $5,429 | 2.85% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 149 | $42,405,000 | $284,597 | $5,765 | 3.08% |
| Harrison, AR (FHA|USDA|VA) | 237 | $40,865,000 | $172,426 | $4,172 | 2.82% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 163 | $39,225,000 | $240,644 | $5,987 | 2.95% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 164 | $37,720,000 | $230,000 | $5,527 | 3.01% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 93 | $37,645,000 | $404,785 | $5,659 | 2.92% |
| WICHITA, KS (FHA|USDA|VA) | 175 | $36,025,000 | $205,857 | $2,514 | 2.74% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 128 | $35,700,000 | $278,906 | $6,259 | 3.06% |
| Aberdeen, SD (FHA|USDA|VA) | 186 | $35,370,000 | $190,161 | $4,841 | 2.98% |
| RAPID CITY, SD (FHA|USDA|VA) | 132 | $34,070,000 | $258,106 | $4,023 | 2.95% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 137 | $31,755,000 | $231,788 | $4,202 | 2.79% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 96 | $31,130,000 | $324,271 | $5,804 | 2.93% |
| ANN ARBOR, MI (FHA|USDA|VA) | 107 | $31,125,000 | $290,888 | $3,015 | 2.55% |
| SAVANNAH, GA (FHA|USDA|VA) | 124 | $31,030,000 | $250,242 | $6,472 | 2.96% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 88 | $29,180,000 | $331,591 | $6,181 | 3.10% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 74 | $29,150,000 | $393,919 | $10,064 | 2.70% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 109 | $27,915,000 | $256,101 | $4,586 | 2.85% |
| Mitchell, SD (FHA|USDA|VA) | 82 | $24,510,000 | $298,902 | $4,260 | 3.01% |
| Owatonna, MN (FHA|USDA|VA) | 127 | $24,005,000 | $189,016 | $5,430 | 2.88% |
| Watertown, SD (FHA|USDA|VA) | 112 | $23,970,000 | $214,018 | $4,088 | 2.86% |
| RICHMOND, VA (FHA|USDA|VA) | 81 | $22,075,000 | $272,531 | $6,306 | 3.09% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 42 | $20,830,000 | $495,952 | $7,844 | 2.90% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 40 | $20,640,000 | $516,000 | $13,659 | 2.77% |
| MANKATO, MN (FHA|USDA|VA) | 98 | $20,130,000 | $205,408 | $5,155 | 2.91% |
| Columbus, NE (FHA|USDA|VA) | 94 | $19,630,000 | $208,830 | $3,783 | 3.00% |
| BOULDER, CO (FHA|USDA|VA) | 40 | $19,590,000 | $489,750 | $7,005 | 3.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 90 | $17,440,000 | $193,778 | $4,122 | 2.79% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 56 | $15,580,000 | $278,214 | $5,606 | 2.95% |
| LINCOLN, NE (FHA|USDA|VA) | 64 | $14,670,000 | $229,219 | $2,832 | 2.77% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 56 | $14,170,000 | $253,036 | $3,707 | 3.23% |
| FORT COLLINS, CO (FHA|USDA|VA) | 44 | $14,030,000 | $318,864 | $5,550 | 2.98% |
| APPLETON, WI (FHA|USDA|VA) | 65 | $13,055,000 | $200,846 | $3,047 | 2.91% |
| Worthington, MN (FHA|USDA|VA) | 74 | $12,970,000 | $175,270 | $4,836 | 2.90% |
| Brookings, SD (FHA|USDA|VA) | 62 | $12,520,000 | $201,935 | $3,985 | 2.72% |
| GREELEY, CO (FHA|USDA|VA) | 40 | $12,510,000 | $312,750 | $5,748 | 3.01% |
| BISMARCK, ND (FHA|USDA|VA) | 38 | $12,370,000 | $325,526 | $4,883 | 2.99% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 47 | $11,975,000 | $254,787 | $4,514 | 2.81% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 38 | $11,880,000 | $312,632 | $5,649 | 3.08% |
| Vermillion, SD (FHA|USDA|VA) | 63 | $11,785,000 | $187,063 | $3,934 | 3.00% |
| TOLEDO, OH (FHA|USDA|VA) | 79 | $11,705,000 | $148,165 | $3,771 | 3.14% |
| Marshall, MN (FHA|USDA|VA) | 71 | $11,495,000 | $161,901 | $4,211 | 2.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 31 | $11,375,000 | $366,935 | $5,516 | 3.01% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 50 | $11,350,000 | $227,000 | $6,420 | 3.17% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 37 | $10,735,000 | $290,135 | $6,872 | 2.87% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 32 | $10,580,000 | $330,625 | $6,224 | 2.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 40 | $10,320,000 | $258,000 | $7,263 | 3.08% |
| Burlington, IA-IL (FHA|USDA|VA) | 76 | $10,290,000 | $135,395 | $3,422 | 2.91% |
| Fairmont, MN (FHA|USDA|VA) | 60 | $10,140,000 | $169,000 | $4,759 | 2.76% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 36 | $10,000,000 | $277,778 | $4,623 | 2.86% |
| Mason City, IA (FHA|USDA|VA) | 81 | $9,895,000 | $122,160 | $4,630 | 2.88% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 35 | $9,535,000 | $272,429 | $6,399 | 2.85% |
| Fergus Falls, MN (FHA|USDA|VA) | 45 | $9,345,000 | $207,667 | $4,559 | 2.70% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 18 | $9,040,000 | $502,222 | $8,563 | 2.94% |
| Spearfish, SD (FHA|USDA|VA) | 27 | $8,305,000 | $307,593 | $4,817 | 2.81% |
| Yankton, SD (FHA|USDA|VA) | 37 | $8,285,000 | $223,919 | $4,254 | 2.86% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 19 | $8,205,000 | $431,842 | $7,859 | 2.89% |
| ROCHESTER, MN (FHA|USDA|VA) | 35 | $7,935,000 | $226,714 | $5,404 | 2.92% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 23 | $7,575,000 | $329,348 | $5,709 | 2.95% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 36 | $7,460,000 | $207,222 | $4,959 | 3.05% |
| Vernal, UT (FHA|USDA|VA) | 28 | $7,010,000 | $250,357 | $5,856 | 3.15% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 28 | $6,960,000 | $248,571 | $4,904 | 3.07% |
| STOCKTON, CA (FHA|USDA|VA) | 17 | $6,775,000 | $398,529 | $7,369 | 2.98% |
| CASPER, WY (FHA|USDA|VA) | 32 | $6,690,000 | $209,063 | $5,180 | 2.81% |
| Spirit Lake, IA (FHA|USDA|VA) | 15 | $6,625,000 | $441,667 | $6,008 | 2.84% |
| SANTA FE, NM (FHA|USDA|VA) | 19 | $6,425,000 | $338,158 | $4,910 | 2.86% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 25 | $6,125,000 | $245,000 | $6,205 | 2.91% |
| Breckenridge, CO (FHA|USDA|VA) | 17 | $5,925,000 | $348,529 | $4,279 | 2.79% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 12 | $5,890,000 | $490,833 | $4,940 | 2.83% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 17 | $5,795,000 | $340,882 | $6,683 | 2.88% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 47 | $5,735,000 | $122,021 | $3,348 | 2.92% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 30 | $5,710,000 | $190,333 | $4,041 | 3.11% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 12 | $5,670,000 | $472,500 | $6,250 | 3.33% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 24 | $5,580,000 | $232,500 | $4,672 | 3.07% |
| Easton, MD (FHA|USDA|VA) | 17 | $5,505,000 | $323,824 | $4,427 | 2.90% |
| OCALA, FL (FHA|USDA|VA) | 24 | $5,460,000 | $227,500 | $5,771 | 3.13% |
| ST. GEORGE, UT (FHA|USDA|VA) | 18 | $5,430,000 | $301,667 | $5,656 | 3.05% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 22 | $5,350,000 | $243,182 | $5,975 | 3.06% |
| TULSA, OK (FHA|USDA|VA) | 15 | $5,265,000 | $351,000 | $6,555 | 2.79% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 33 | $5,245,000 | $158,939 | $2,998 | 2.98% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 18 | $5,200,000 | $288,889 | $4,181 | 3.11% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 23 | $5,125,000 | $222,826 | $4,301 | 2.91% |
| West Plains, MO (FHA|USDA|VA) | 26 | $5,110,000 | $196,538 | $6,321 | 2.89% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 20 | $5,110,000 | $255,500 | $6,204 | 2.93% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 18 | $5,050,000 | $280,556 | $6,670 | 3.04% |
| Fremont, NE (FHA|USDA|VA) | 23 | $4,695,000 | $204,130 | $3,066 | 2.90% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 25 | $4,665,000 | $186,600 | $3,489 | 2.97% |
| Lexington, NE (FHA|USDA|VA) | 27 | $4,645,000 | $172,037 | $4,112 | 3.01% |
| Willmar, MN (FHA|USDA|VA) | 24 | $4,570,000 | $190,417 | $4,922 | 2.90% |
| CHEYENNE, WY (FHA|USDA|VA) | 13 | $4,405,000 | $338,846 | $7,318 | 2.79% |
| WILMINGTON, NC (FHA|USDA|VA) | 20 | $4,390,000 | $219,500 | $3,602 | 3.28% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 18 | $4,380,000 | $243,333 | $6,080 | 2.85% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 34 | $4,200,000 | $123,529 | $3,645 | 3.50% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 28 | $4,140,000 | $147,857 | $3,620 | 3.11% |
| FARGO, ND-MN (FHA|USDA|VA) | 16 | $4,050,000 | $253,125 | $5,171 | 3.07% |
| ST. CLOUD, MN (FHA|USDA|VA) | 11 | $4,005,000 | $364,091 | $6,113 | 2.87% |
| TUCSON, AZ (FHA|USDA|VA) | 14 | $3,990,000 | $285,000 | $4,072 | 3.05% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 18 | $3,880,000 | $215,556 | $5,971 | 3.39% |
| DOVER, DE (FHA|USDA|VA) | 14 | $3,740,000 | $267,143 | $6,375 | 2.99% |
| MANHATTAN, KS (FHA|USDA|VA) | 23 | $3,705,000 | $161,087 | $2,844 | 2.89% |
| Branson, MO (FHA|USDA|VA) | 12 | $3,580,000 | $298,333 | $3,785 | 3.01% |
| New Ulm, MN (FHA|USDA|VA) | 28 | $3,530,000 | $126,071 | $3,723 | 3.08% |
| Huron, SD (FHA|USDA|VA) | 13 | $3,435,000 | $264,231 | $5,240 | 2.92% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 10 | $3,380,000 | $338,000 | $5,918 | 3.19% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 8 | $3,350,000 | $418,750 | $5,724 | 2.75% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 23 | $3,335,000 | $145,000 | $3,929 | 2.98% |
| ASHEVILLE, NC (FHA|USDA|VA) | 9 | $3,305,000 | $367,222 | $6,641 | 2.99% |
| Pierre, SD (FHA|USDA|VA) | 17 | $3,285,000 | $193,235 | $4,006 | 2.77% |
| Brainerd, MN (FHA|USDA|VA) | 10 | $3,260,000 | $326,000 | $6,049 | 2.85% |
| GAINESVILLE, FL (FHA|USDA|VA) | 13 | $3,255,000 | $250,385 | $5,058 | 2.98% |
| LOGAN, UT-ID (FHA|USDA|VA) | 11 | $3,125,000 | $284,091 | $5,281 | 2.98% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 7 | $3,105,000 | $443,571 | $8,257 | 2.73% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 11 | $3,035,000 | $275,909 | $3,061 | 2.57% |
| Clinton, IA (FHA|USDA|VA) | 22 | $2,990,000 | $135,909 | $4,609 | 2.94% |
| Heber, UT (FHA|USDA|VA) | 7 | $2,975,000 | $425,000 | $6,261 | 2.84% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,900,000 | $483,333 | $7,962 | 3.02% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 10 | $2,860,000 | $286,000 | $9,873 | 2.81% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $2,860,000 | $357,500 | $6,265 | 3.09% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $2,840,000 | $710,000 | $9,818 | 3.31% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 8 | $2,770,000 | $346,250 | $5,022 | 3.23% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 12 | $2,680,000 | $223,333 | $5,025 | 2.89% |
| Bozeman, MT (FHA|USDA|VA) | 8 | $2,670,000 | $333,750 | $4,713 | 3.20% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 16 | $2,530,000 | $158,125 | $4,191 | 2.97% |
| HINESVILLE, GA (FHA|USDA|VA) | 11 | $2,525,000 | $229,545 | $8,114 | 3.05% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $2,525,000 | $360,714 | $4,923 | 2.84% |
| PUEBLO, CO (FHA|USDA|VA) | 11 | $2,475,000 | $225,000 | $5,905 | 2.94% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $2,330,000 | $233,000 | $6,676 | 3.46% |
| Freeport, IL (FHA|USDA|VA) | 18 | $2,230,000 | $123,889 | $2,950 | 2.71% |
| Kearney, NE (FHA|USDA|VA) | 10 | $2,150,000 | $215,000 | $3,821 | 2.82% |
| Los Alamos, NM (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $6,238 | 3.04% |
| THE VILLAGES, FL (FHA|USDA|VA) | 7 | $2,115,000 | $302,143 | $7,162 | 2.73% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 8 | $2,070,000 | $258,750 | $7,260 | 2.81% |
| Norfolk, NE (FHA|USDA|VA) | 9 | $2,055,000 | $228,333 | $4,412 | 2.69% |
| BILLINGS, MT (FHA|USDA|VA) | 6 | $2,010,000 | $335,000 | $8,398 | 2.81% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 4 | $2,000,000 | $500,000 | $9,412 | 2.69% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $1,980,000 | $330,000 | $3,627 | 2.90% |
| GREEN BAY, WI (FHA|USDA|VA) | 10 | $1,970,000 | $197,000 | $4,011 | 3.01% |
| GREAT FALLS, MT (FHA|USDA|VA) | 8 | $1,940,000 | $242,500 | $7,330 | 2.83% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 7 | $1,895,000 | $270,714 | $5,976 | 2.70% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 6 | $1,890,000 | $315,000 | $7,122 | 3.17% |
| BATON ROUGE, LA (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $4,156 | 3.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 4 | $1,880,000 | $470,000 | $10,080 | 2.50% |
| Edwards, CO (FHA|USDA|VA) | 5 | $1,855,000 | $371,000 | $4,800 | 2.88% |
| Helena, MT (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $5,245 | 2.98% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $7,373 | 2.88% |
| Silver City, NM (FHA|USDA|VA) | 10 | $1,780,000 | $178,000 | $4,179 | 2.96% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $4,282 | 3.03% |
| HARRISONBURG, VA (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $4,964 | 2.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 10 | $1,660,000 | $166,000 | $5,550 | 3.20% |
| Batesville, AR (FHA|USDA|VA) | 11 | $1,655,000 | $150,455 | $5,978 | 3.01% |
| LAWRENCE, KS (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $2,548 | 2.84% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $10,557 | 3.22% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $8,610 | 3.15% |
| GETTYSBURG, PA (FHA|USDA|VA) | 8 | $1,620,000 | $202,500 | $4,730 | 2.94% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 6 | $1,600,000 | $266,667 | $3,118 | 2.65% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 9 | $1,565,000 | $173,889 | $6,120 | 3.17% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 7 | $1,565,000 | $223,571 | $7,172 | 2.95% |
| Kirksville, MO (FHA|USDA|VA) | 10 | $1,560,000 | $156,000 | $2,840 | 3.11% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $6,254 | 3.13% |
| Hutchinson, MN (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $3,993 | 2.94% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $7,537 | 2.88% |
| LAFAYETTE, LA (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $4,648 | 2.77% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $11,569 | 3.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $4,794 | 2.71% |
| Winona, MN (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $3,822 | 2.67% |
| ROCKFORD, IL (FHA|USDA|VA) | 9 | $1,365,000 | $151,667 | $3,384 | 2.79% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 9 | $1,355,000 | $150,556 | $6,681 | 3.22% |
| Red Wing, MN (FHA|USDA|VA) | 7 | $1,345,000 | $192,143 | $5,024 | 2.95% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $4,739 | 2.98% |
| PITTSBURGH, PA (FHA|USDA|VA) | 7 | $1,335,000 | $190,714 | $5,165 | 2.96% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $5,116 | 2.54% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $5,499 | 2.77% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $9,986 | 2.84% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $12,136 | 2.94% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $3,723 | 2.94% |
| Alexandria, MN (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $6,350 | 2.50% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $8,514 | 3.03% |
| Glenwood Springs, CO (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $4,403 | 2.67% |
| Rochelle, IL (FHA|USDA|VA) | 11 | $1,195,000 | $108,636 | $3,118 | 2.76% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 7 | $1,195,000 | $170,714 | $4,382 | 3.21% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 7 | $1,175,000 | $167,857 | $3,071 | 3.05% |
| Hays, KS (FHA|USDA|VA) | 8 | $1,170,000 | $146,250 | $3,676 | 2.83% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $10,726 | 2.94% |
| Albert Lea, MN (FHA|USDA|VA) | 10 | $1,160,000 | $116,000 | $4,228 | 3.15% |
| LANCASTER, PA (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $6,902 | 2.60% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $12,994 | 2.71% |
| HAMMOND, LA (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $3,778 | 3.08% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $7,215 | 2.56% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $10,172 | 3.25% |
| Fort Morgan, CO (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $3,786 | 3.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $3,798 | 3.03% |
| DULUTH, MN-WI (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $3,114 | 2.85% |
| TOPEKA, KS (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $4,464 | 2.80% |
| MADISON, WI (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $6,285 | 2.50% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $8,850 | 2.62% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $4,740 | 3.34% |
| Rock Springs, WY (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $4,103 | 2.81% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $6,701 | 2.81% |
| Manitowoc, WI (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $6,699 | 2.71% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 7 | $925,000 | $132,143 | $4,358 | 3.48% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $4,670 | 2.98% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $8,702 | 2.93% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $5,468 | 2.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 6 | $870,000 | $145,000 | $3,971 | 3.15% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $7,606 | 2.75% |
| Sterling, IL (FHA|USDA|VA) | 7 | $845,000 | $120,714 | $4,993 | 2.80% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $6,977 | 3.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $4,690 | 3.25% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $6,993 | 2.58% |
| AMES, IA (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $5,422 | 2.75% |
| Bemidji, MN (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $6,152 | 3.00% |
| Baraboo, WI (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,847 | 2.58% |
| MERCED, CA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $10,541 | 2.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $6,409 | 2.79% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $8,787 | 2.83% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $4,068 | 3.13% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $2,828 | 2.79% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $7,250 | 2.88% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $13,680 | 3.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $7,966 | 2.90% |
| STAUNTON, VA (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $5,874 | 2.72% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $4,982 | 3.31% |
| JONESBORO, AR (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $7,564 | 3.04% |
| MISSOULA, MT (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,559 | 3.13% |
| Statesboro, GA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $9,018 | 2.92% |
| Payson, AZ (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $5,569 | 3.56% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $7,876 | 3.19% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,731 | 2.83% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $8,059 | 2.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,293 | 2.81% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $8,738 | 3.25% |
| Crescent City, CA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,582 | 2.63% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $3,716 | 3.03% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,016 | 2.19% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $4,252 | 3.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $9,053 | 3.31% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,421 | 2.44% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,207 | 2.96% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,626 | 2.94% |
| Menomonie, WI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,429 | 2.63% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,750 | 3.41% |
| AKRON, OH (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $7,596 | 3.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $5,437 | 2.92% |
| Quincy, IL-MO (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $2,947 | 3.15% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,356 | 2.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,699 | 2.31% |
| FOND DU LAC, WI (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,438 | 2.79% |
| Española, NM (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,739 | 2.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $3,986 | 3.22% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $14,754 | 3.38% |
| Elizabeth City, NC (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,201 | 2.88% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,654 | 3.13% |
| Russellville, AR (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $3,660 | 2.41% |
| Sheridan, WY (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,969 | 3.31% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,834 | 2.13% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,999 | 2.25% |
| Jennings, LA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,479 | 3.25% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,563 | 2.56% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $24,726 | 2.50% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,016 | 3.00% |
| Alexander City, AL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,614 | 2.50% |
| Laramie, WY (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $3,878 | 3.03% |
| Williston, ND (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,141 | 3.46% |
| Wauchula, FL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $7,199 | 3.17% |
| North Platte, NE (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,649 | 3.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $5,672 | 2.67% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $8,580 | 2.99% |
| Clewiston, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,070 | 2.56% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $9,730 | 3.25% |
| REDDING, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,813 | 2.25% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,016 | 2.25% |
| Murray, KY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,177 | 3.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,388 | 2.69% |
| FLINT, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,023 | 2.75% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,411 | 2.38% |
| Craig, CO (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,480 | 3.56% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,318 | 3.06% |
| Price, UT (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,649 | 2.58% |
| Hastings, NE (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,188 | 2.50% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $10,696 | 2.63% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $2,695 | 3.25% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,671 | 3.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,678 | 3.38% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,443 | 2.81% |
| Hutchinson, KS (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,589 | 2.44% |
| Lake City, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,696 | 3.69% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,280 | 2.63% |
| Minot, ND (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,902 | 3.08% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,967 | 3.06% |
| Sanford, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,640 | 2.88% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,368 | 2.63% |
| Oxford, MS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,890 | 3.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,840 | 2.88% |
| Shawano, WI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,849 | 2.69% |
| Roswell, NM (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,355 | 3.25% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,470 | 3.13% |
| Searcy, AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,490 | 3.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,921 | 3.17% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,366 | 2.56% |
| Hannibal, MO (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,261 | 3.00% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,383 | 2.88% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,323 | 2.63% |
| BEND, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,549 | 2.63% |
| Taos, NM (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,312 | 2.63% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,836 | 2.75% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,319 | 3.13% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,752 | 2.94% |
| MONROE, MI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,396 | 2.88% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,003 | 2.31% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,229 | 2.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,442 | 3.50% |
| READING, PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,241 | 3.00% |
| Findlay, OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,662 | 2.81% |
| Forest City, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,516 | 2.88% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,420 | 2.63% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,426 | 3.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,168 | 2.88% |
| Holland, MI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $9,191 | 3.13% |
| Farmington, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,493 | 3.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,722 | 3.25% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,319 | 2.63% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,964 | 2.63% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,219 | 2.44% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,108 | 2.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,210 | 2.63% |
| Evanston, WY (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,972 | 2.56% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,523 | 3.31% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,284 | 2.63% |
| Shelton, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,567 | 2.75% |
| Altus, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,812 | 2.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $7,251 | 2.88% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,668 | 3.00% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,370 | 3.25% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,269 | 2.75% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,107 | 3.13% |
| Hope, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,038 | 4.00% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,375 | 3.13% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,014 | 3.00% |
| Scottsbluff, NE (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,105 | 3.25% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,746 | 3.38% |
| Dixon, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,389 | 2.63% |
| Beatrice, NE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,787 | 2.38% |
| MONROE, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,154 | 2.63% |
| Cortland, NY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,406 | 2.75% |
| Durango, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,081 | 2.87% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,058 | 2.63% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $977 | 2.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,450 | 2.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,748 | 2.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,576 | 2.88% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,205 | 2.63% |
| Maryville, MO (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,417 | 3.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,510 | 2.88% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,914 | 3.25% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,843 | 3.13% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,503 | 2.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,406 | 3.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,459 | 3.25% |
| Union City, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,066 | 3.63% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,492 | 2.25% |
| Jamestown, ND (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,882 | 3.44% |
| Riverton, WY (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,597 | 3.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,544 | 3.00% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,307 | 2.88% |
| SALEM, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,904 | 3.13% |
| Torrington, CT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,925 | 2.63% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,305 | 3.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,407 | 3.38% |
| Hilo, HI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,494 | 2.75% |
| Concord, NH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,855 | 3.13% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,552 | 2.63% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,205 | 3.13% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,519 | 2.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,381 | 2.38% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,102 | 3.13% |
| Dublin, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,425 | 3.00% |
| Danville, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,729 | 2.63% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $980 | 4.50% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $966 | 4.50% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,834 | 2.50% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,816 | 3.13% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,692 | 3.13% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,503 | 2.63% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,948 | 2.63% |
| NILES, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,365 | 3.25% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,063 | 3.13% |
| Shelby, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,678 | 2.75% |
| La Grande, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,745 | 2.63% |
| Austin, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,093 | 3.00% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,249 | 3.25% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,845 | 3.50% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,395 | 2.63% |
| Boone, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,798 | 3.63% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,220 | 3.13% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,094 | 2.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,595 | 2.50% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,635 | 2.63% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,143 | 2.25% |
| Safford, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,571 | 2.50% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,613 | 3.00% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,022 | 3.38% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,163 | 2.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,228 | 2.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,333 | 3.13% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,849 | 2.75% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,860 | 3.38% |
| Central City, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,382 | 2.63% |
| RACINE, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,607 | 2.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,485 | 2.63% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,619 | 2.63% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,606 | 2.88% |
| Gallup, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,122 | 3.63% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,535 | 2.75% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,617 | 3.25% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,656 | 3.38% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,911 | 2.75% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,139 | 3.00% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,485 | 3.13% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,103 | 2.63% |
| Palatka, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,426 | 3.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,427 | 2.75% |
| Atchison, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,495 | 3.38% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,103 | 2.50% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,825 | 2.38% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,839 | 2.88% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,392 | 2.88% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,233 | 3.88% |
| Deming, NM (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,925 | 3.00% |
| Macomb, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,568 | 2.50% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,394 | 4.63% |
| Pella, IA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,942 | 2.63% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,291 | 3.25% |
| McPherson, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,112 | 3.25% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,527 | 2.50% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,285 | 3.13% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,266 | 2.75% |
| Jacksonville, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,066 | 3.38% |
| Winfield, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,253 | 3.50% |
Plains Commerce Bank's top markets include Sioux Falls, New York, Washington, Baltimore, and Orlando among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 16,580 | $4,476,130,000 | $269,972 | $4,397 | 2.97% |
| FHA | 2,628 | $620,830,000 | $236,237 | $8,216 | 2.86% |
| VA | 1,198 | $380,780,000 | $317,846 | $7,165 | 2.57% |
| USDA | 572 | $100,090,000 | $174,983 | $5,327 | 2.83% |
For the 2021 period, Plains Commerce Bank's most frequently originated loan type of loans were Conventional, with 16,580 originations. Their 2nd most popular type is FHA, with 2,628 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 10,786 | $2,941,990,000 | $272,760 | $5,593 | 3.01% |
| Refi | 6,036 | $1,570,670,000 | $260,217 | $4,028 | 2.73% |
| Cash Out Refi | 3,751 | $982,065,000 | $261,814 | $5,261 | 3.01% |
| Other | 274 | $60,860,000 | $222,117 | $4,650 | 3.16% |
| Home Improvement | 131 | $22,245,000 | $169,809 | $3,991 | 3.15% |
For the 2021, Plains Commerce Bank's most frequently cited loan purpose of loans were Home Purchase, with 10,786 originations. The 2nd most popular reason of loans were Refi, with 6,036 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 17,035 | $4,676,725,000 | $274,536 | $5,378 | 3.02% |
| 15 Year | 2,700 | $607,050,000 | $224,833 | $3,690 | 2.41% |
| 20 Year | 721 | $174,175,000 | $241,574 | $3,891 | 2.80% |
| Other | 247 | $61,295,000 | $248,158 | $3,664 | 3.31% |
| 10 Year | 193 | $35,105,000 | $181,891 | $2,953 | 2.44% |
| 1 Year | 46 | $7,300,000 | $158,696 | $1,884 | 4.37% |
| 5 Year | 36 | $16,180,000 | $449,444 | $2,306 | 3.91% |
For the 2021, Plains Commerce Bank's most frequently cited loan length of loans were 30 Year, with 17,035 originations. The 2nd most popular length of loans were 15 Year, with 2,700 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 7,192 | $1,792,270,000 | $249,203 |
| $<1k | 5,760 | $1,421,550,000 | $246,797 |
| $2k-3k | 3,198 | $737,690,000 | $230,672 |
| $3k-4k | 2,968 | $855,690,000 | $288,305 |
| $5k+ | 1,801 | $747,315,000 | $414,944 |
$5,378 of loans were Plains Commerce Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 7,192 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 9,338 | $2,564,150,000 | $274,593 |
| 3-4% | 7,117 | $1,836,705,000 | $258,073 |
| <2.5% | 4,188 | $1,104,410,000 | $263,708 |
| 4-5% | 314 | $69,380,000 | $220,955 |
| 5-6% | 20 | $3,080,000 | $154,000 |
| 6-7% | 1 | $105,000 | $105,000 |
During 2021, Plains Commerce Bank's average interest rate of loans were 3.02%, while their most frequently originated rate bucket of loans were 2.5-3%, with 9,338 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 10,142 | $2,877,460,000 | $283,717 | $5,371 | 2.91% |
| $100k-200k | 6,355 | $977,195,000 | $153,768 | $3,903 | 2.95% |
| $400k-600k | 2,739 | $1,307,865,000 | $477,497 | $6,859 | 2.90% |
| $100,000 or less | 1,353 | $103,385,000 | $76,412 | $2,831 | 3.07% |
| $600k-1MM | 347 | $251,165,000 | $723,818 | $10,609 | 3.03% |
| $1MM+ | 42 | $60,760,000 | $1,446,667 | $13,991 | 3.00% |
2021 saw Plains Commerce Bank place emphasis on $200k-400k loans with 10,142 originations, totaling $2,877,460,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 4,797 | $1,037,355,000 | $216,251 | $4,958 | 2.95% |
| $100k-150k | 4,711 | $1,430,505,000 | $303,652 | $5,290 | 2.91% |
| $75k-100k | 3,934 | $1,020,130,000 | $259,311 | $5,227 | 2.93% |
| $50k or less | 3,168 | $478,970,000 | $151,190 | $4,305 | 2.97% |
| $150k-250k | 2,743 | $987,905,000 | $360,155 | $5,445 | 2.93% |
| $250k+ | 1,108 | $471,950,000 | $425,948 | $5,674 | 2.95% |
Plains Commerce Bank lent most frequently to those with incomes in the $50k-75k range, with 4,797 originations. The second most popular income band? $100k-150k, with 4,711 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 4,690 | $1,208,570,000 | $257,691 | $4,502 | 2.89% |
| 30-36% | 3,807 | $1,005,405,000 | $264,094 | $4,800 | 2.94% |
| <20% | 1,801 | $441,215,000 | $244,983 | $4,098 | 2.80% |
| 41% | 832 | $224,280,000 | $269,567 | $5,381 | 3.00% |
| 44% | 818 | $224,900,000 | $274,939 | $5,456 | 3.01% |
| 42% | 793 | $223,355,000 | $281,658 | $5,291 | 2.98% |
| 43% | 772 | $207,600,000 | $268,912 | $5,316 | 3.04% |
| 38% | 745 | $198,435,000 | $266,356 | $4,987 | 3.00% |
| 50-60% | 742 | $204,050,000 | $275,000 | $8,949 | 2.80% |
| 39% | 736 | $198,410,000 | $269,579 | $5,056 | 2.98% |
| 40% | 713 | $190,465,000 | $267,132 | $5,214 | 3.02% |
| 36% | 702 | $192,080,000 | $273,618 | $5,179 | 2.99% |
| 37% | 699 | $185,185,000 | $264,928 | $4,958 | 2.98% |
| 45% | 617 | $165,195,000 | $267,739 | $5,624 | 3.00% |
| 46% | 524 | $144,610,000 | $275,973 | $5,685 | 2.98% |
| 47% | 516 | $142,920,000 | $276,977 | $6,075 | 2.98% |
| 49% | 514 | $147,530,000 | $287,023 | $5,468 | 3.01% |
| 48% | 485 | $134,295,000 | $276,897 | $5,996 | 2.98% |
| >60% | 23 | $8,985,000 | $390,652 | $7,238 | 2.92% |
Plains Commerce Bank lent most frequently to those with DTI ratios of 20-30%, with 4,690 originations. The next most common DTI ratio? 30-36%, with 3,807 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 16,045 | $4,127,385,000 | $257,238 | $4,900 | 2.94% |
| Not provided | 2,244 | $621,660,000 | $277,032 | $5,629 | 2.97% |
| Asian | 1,536 | $485,830,000 | $316,296 | $4,625 | 2.76% |
| Black | 918 | $269,310,000 | $293,366 | $7,175 | 2.99% |
| American Indian | 104 | $23,670,000 | $227,596 | $4,957 | 3.00% |
| Not applicable | 40 | $20,810,000 | $520,250 | $0 | 3.83% |
| Native Hawaiian | 41 | $13,035,000 | $317,927 | $4,978 | 2.96% |
| Asian Indian | 18 | $5,790,000 | $321,667 | $5,546 | 2.90% |
| Other Pacific Islander | 9 | $2,875,000 | $319,444 | $7,096 | 3.03% |
| Korean | 5 | $1,705,000 | $341,000 | $5,666 | 2.90% |
| Other Asian | 6 | $1,590,000 | $265,000 | $6,586 | 3.27% |
| Filipino | 5 | $1,475,000 | $295,000 | $6,058 | 3.03% |
| Native Hawiian | 2 | $880,000 | $440,000 | $4,169 | 2.81% |
| Japanese | 1 | $845,000 | $845,000 | $2,594 | 3.00% |
| Chinese | 2 | $560,000 | $280,000 | $4,095 | 3.31% |
| Vietnamese | 2 | $410,000 | $205,000 | $6,937 | 3.00% |
Approval Rates
Total approvals of all applications97.07%
Plains Commerce Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination68.70%
Plains Commerce Bank 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 |
|---|---|---|---|
| 207.83 | 1 | $15,000 | $15,000 |
| NA | 20,977 | $5,577,815,000 | $265,901 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 20,978 | $5,577,830,000 | $265,890 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 780 | $142,130,000 | $182,218 | $3,505 | 2.77% |
| 40-60% | 2,644 | $645,470,000 | $244,126 | $3,969 | 2.77% |
| 60-80% | 7,762 | $2,156,970,000 | $277,888 | $4,699 | 2.98% |
| 80-100% | 9,516 | $2,558,660,000 | $268,880 | $5,636 | 2.95% |
| Over 100% | 192 | $66,850,000 | $348,177 | $13,585 | 2.68% |
| Under 20% | 84 | $7,750,000 | $92,262 | $2,099 | 3.31% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Plains Commerce Bank | 109 First Avenue Southeast Watertown, SD 57201 | Full Service B&M | $135,635 |
| Plains Commerce Bank | 920 Fifth Street S.E. Watertown, SD 57201 | Full Service B&M | $7,323 |
| Plains Commerce Bank | 1130 South Burr Street, Suite 100 Mitchell, SD 57301 | Full Service B&M | $19,598 |
| Plains Commerce Bank | 1411 East 10th Street Sioux Falls, SD 57103 | Full Service B&M | $63,073 |
| Plains Commerce Bank | 220 Main Street, Po Box 7 Hoven, SD 57450 | Full Service B&M | $98,577 |
| Plains Commerce Bank | 280 Broadway St Conde, SD 57434 | Full Service B&M | $24,981 |
| Plains Commerce Bank | 3905 West 49th Street Sioux Falls, SD 57106 | Full Service B&M | $231,877 |
| Plains Commerce Bank | 404 South 3rd Street Bismarck, ND 58504 | Full Service B&M | $45,840 |
| Plains Commerce Bank | 4700 E 57th St Sioux Falls, SD 57108 | Full Service B&M | $8,684 |
| Plains Commerce Bank | 524 South Dakota Street Aberdeen, SD 57401 | Full Service B&M | $263,044 |
For 2021, Plains Commerce Bank had 10 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $41,834 |
| Net interest income | $35,629 |
| Total noninterest income | $95,686 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $219 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $95,467 |
| Pre-tax net operating income | $15,580 |
| Securities gains (or losses, -) | $4 |
| Income before extraordinary items | $15,054 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $15,054 |
| Minority interest net income | $0 |
| Net income | $15,054 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $15,050 |
Plains Commerce Bank's gross interest income from loans was $41,834,000.
Plains Commerce Bank's net interest income from loans was $35,629,000.
Plains Commerce Bank's fee based income from loans was $219,000.
Plains Commerce Bank's net income from loans was $15,054,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $6,205 |
| Provision for credit losses | $2,600 |
| Total noninterest expense | $113,135 |
| Salaries and employee benefits | $74,129 |
| Premises and equipment expense | $3,061 |
| Additional noninterest expense | $35,945 |
| Applicable income taxes | $530 |
| Net charge-offs | $2,457 |
| Cash dividends | $24,844 |
Plains Commerce Bank's interest expense for loans was $6,205,000.
Plains Commerce Bank's payroll and benefits expense were $74,129,000.
Plains Commerce Bank's property, plant and equipment expenses $3,061,000.
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 | 2.0% |
| 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 | 1.0% |
| Credit card loans | 4.7% |
| 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 | $906,141 |
| Deposits held in domestic offices | $906,141 |
| Deposits by Individuals, partnerships, and corporations | $845,272 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $21,518 |
| Deposits by Commercial banks and other depository institutions in U.S. | $39,351 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $308,461 |
| Demand deposits | $222,465 |
| Nontransaction accounts | $597,680 |
| Money market deposit accounts (MMDAs) | $151,952 |
| Other savings deposits (excluding MMDAs) | $111,205 |
| Total time deposits | $334,523 |
| Total time and savings deposits | $683,676 |
| Noninterest-bearing deposits | $223,928 |
| Interest-bearing deposits | $682,213 |
| Retail deposits | $823,371 |
| IRAs and Keogh plan accounts | $25,842 |
| Brokered deposits | $23,289 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,046,473 |
| Cash & Balances due from depository institutions | $164,149 |
| Interest-bearing balances | $151,705 |
| Total securities | $63,806 |
| Federal funds sold & reverse repurchase | $411 |
| Net loans and leases | $736,762 |
| Loan and leases loss allowance | $8,427 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $30,052 |
| Other real estate owned | $1,343 |
| Goodwill and other intangibles | $18,204 |
| All other assets | $31,746 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,046,473 |
| Total Liabilities | $917,947 |
| Total deposits | $906,141 |
| Interest-bearing deposits | $682,213 |
| Deposits held in domestic offices | $906,141 |
| % insured (estimated) | $70 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $11,806 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $736,762 |
| Loan and leases loss allowance | $8,427 |
| Total loans and leases (domestic) | $745,189 |
| All real estate loans | $636,749 |
| Real estate loans in domestic offices | $636,749 |
| Construction and development loans | $70,507 |
| Residential 1-4 family construction | $35,233 |
| Other construction, all land development and other land | $35,274 |
| Loans secured by nonfarm nonresidential properties | $141,872 |
| Nonfarm nonresidential secured by owner-occupied properties | $47,826 |
| Commercial real estate & other non-farm, non-residential | $94,046 |
| Multifamily residential real estate | $40,824 |
| 1-4 family residential loans | $253,239 |
| Farmland loans | $130,307 |
| Loans held in foreign offices | $0 |
| Farm loans | $63,761 |
| Commercial and industrial loans | $38,428 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $5,170 |
| Credit card loans | $1,637 |
| Related Plans | $59 |
| Consumer Auto Loans | $1,226 |
| Other loans to individuals | $2,248 |
| All other loans & leases | $1,081 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $44 |
| 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 | $4,971 |
| Non 1-4 family restructured loans & leases | $4,971 |
| Total loans and leases (foreign) | $0 |
Plains Commerce Bank had $736,762,000 of loans outstanding in 2021. $636,749,000 of loans were in real estate loans. $70,507,000 of loans were in development loans. $40,824,000 of loans were in multifamily mortgage loans. $253,239,000 of loans were in 1-4 family mortgage loans. $63,761,000 of loans were in farm loans. $1,637,000 of loans were in credit card loans. $1,226,000 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 | 138 | $33,609 | $243,543 |
| Nonfarm, nonresidential loans - <$100k | 31 | $1,189 | $38,355 |
| Nonfarm, nonresidential loans - $100-250k | 43 | $5,804 | $134,977 |
| Nonfarm, nonresidential loans - $250k-1MM | 64 | $26,616 | $415,875 |
| Commercial & Industrial, US addressed loans - <$1MM | 278 | $24,009 | $86,363 |
| Commercial & Industrial, US addressed loans - <$100k | 163 | $3,699 | $22,693 |
| Commercial & Industrial, US addressed loans - $100-250k | 68 | $8,096 | $119,059 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 47 | $12,214 | $259,872 |
| Farmland loans - <$1MM | 370 | $58,324 | $157,632 |
| Farmland loans - <$100k | 122 | $4,603 | $37,730 |
| Farmland loans - $100-250k | 117 | $13,291 | $113,598 |
| Farmland loans - $250k-1MM | 131 | $40,430 | $308,626 |
| Agriculture operations loans - <$1MM | 316 | $26,988 | $85,405 |
| Agriculture operations loans - <$100k | 183 | $4,289 | $23,437 |
| Agriculture operations loans - $100-250k | 74 | $6,975 | $94,257 |
| Agriculture operations loans - $250k-1MM | 59 | $15,724 | $266,508 |
