Fcb Banks Mortgage Rates, Fees & Info
Collinsville, ILLEI: 549300L8JRY60EOROT34
Tax ID: 37-0458520
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Fcb Banks is a smaller bank specializing in Home Purchase loans. Fcb Banks has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Kansas City, Crestview, Centralia, and Chicago among others. We have data for 46 markets. (Some data included below & more in-depth data is available with an active subscription.)Fcb Banks has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Fcb Banks is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/23/24 |
| 30 Year Conventional Purchase | 6.43% | 11/23/24 |
| 30 Year Conventional Refi | 6.43% | 11/23/24 |
| 30 Year Cash-out Refi | 6.53% | 11/23/24 |
| 30 Year FHA Purchase | 7.07% | 11/23/24 |
| 30 Year FHA Refi | 6.97% | 11/23/24 |
| 30 Year VA Purchase | 6.03% | 11/23/24 |
| 30 Year VA Refi | 5.89% | 11/23/24 |
| 30 Year USDA Purchase | 6.29% | 11/23/24 |
| 15 Year Conventional Purchase | 5.74% | 11/23/24 |
| 15 Year Conventional Refi | 5.84% | 11/23/24 |
| 15 Year Cash-out Refi | 5.84% | 11/23/24 |
| 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. | ||
Fcb Banks Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Fcb Banks. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,123Origination Dollar Volume (All Markets)
$545,415,000Awards
FCB Banks - 2022
FCB Banks is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
Work for FCB Banks?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1,968 | $492,850,000 | $250,432 | $2,156 | 4.40% |
| Outside of Metro Areas | 75 | $14,805,000 | $197,400 | $2,511 | 4.44% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $11,010,000 | $5,505,000 | $2,508 | 4.33% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $8,470,000 | $2,117,500 | $9,839 | 4.60% |
| Centralia, IL (FHA|USDA|VA) | 13 | $2,345,000 | $180,385 | $2,902 | 4.17% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $1,860,000 | $465,000 | $7,558 | 4.44% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $5,119 | 3.83% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $2,175 | 4.12% |
| Mount Vernon, IL (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $2,028 | 4.22% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $2,853 | 3.46% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,717 | 4.90% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 3.60% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,364 | 4.28% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,896 | 4.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 5.45% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,216 | 3.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 4.85% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,424 | 4.95% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,647 | 5.99% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,215 | 3.80% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $1,496 | 4.30% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,648 | 5.75% |
| Seymour, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,729 | 3.25% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,596 | 4.38% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,395 | 2.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,364 | 3.85% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 4.85% |
| Oxford, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,638 | 3.60% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,148 | 3.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 5.25% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,789 | 2.88% |
| Effingham, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,884 | 3.60% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,432 | 4.05% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.85% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,504 | 4.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,423 | 4.65% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,610 | 5.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,169 | 3.85% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,478 | 5.65% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,766 | 4.75% |
| Branson, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.25% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,243 | 5.05% |
| Rolla, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.00% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.10% |
| Macomb, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.25% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against FCB Banks based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 59
Similarity Rank: 126
Similarity Rank: 216
Similarity Rank: 240
Similarity Rank: 368
Similarity Rank: 450
Similarity Rank: 452
Similarity Rank: 728
Similarity Rank: 764
Similarity Rank: 888
Product Mix
For 2022, Fcb Banks's most frequently originated type of loan was Conventional, with 1,659 originations. Their 2nd most popular type was HELOC, with 386 originations.
Loan Reason
For 2022, Fcb Banks's most frequently cited loan purpose was Home Purchase, with 1,160 originations. The 2nd most popular reason was Refi, with 381 originations.
Loan Duration/Length
For 2022, Fcb Banks's most frequently cited loan duration was Other, with 1,110 originations. The 2nd most popular length was 15 Year, with 447 originations.
Origination Fees/Closing Costs
Fcb Banks's average total fees were $3,012, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,078 originations.
Interest Rates
During 2022, Fcb Banks's average interest rate for loans was 4.39%, while their most frequently originated rate bucket for loans was 3-4%, with 843 originations.
Loan Sizing
2022 saw Fcb Banks place emphasis on $100,000 or less loans with 711 originations, totaling $40,355,000 in origination value.
Applicant Income
Fcb Banks lent most frequently to those with incomes in the $100k-150k range, with 487 originations. The second most popular income band? $150k-250k, with 352 originations.
Applicant Debt to Income Ratio
Fcb Banks lent most frequently to those with DTI ratios of 20-30%, with 489 originations. The next most common DTI ratio? 30-36%, with 375 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.46%
Fcb Banks has an average approval rate.
Pick Rate
Approvals leading to origination85.26%
Fcb Banks has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,123 | $545,415,000 | $256,908 |