Firstbank Mortgage Rates, Fees & Info

Nashville, TN

LEI: 549300OBO7DOF2KOP535

Tax ID: 62-0198265

2020 Data | 2019 Data | 2018 Data


Overview

Firstbank is a large bank specializing in Refi and Home Purchase loans. Firstbank 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 include Nashville, Huntsville, Seattle, Birmingham, and Atlanta among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Firstbank is typically an average fee lendor.


Originations

25,709

Origination Dollar Volume (All Markets)

$7,524,915,000

Employee count

1,852

Relative Rate

Firstbank's average 30 year fixed rate mortgage was 3.24%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.12%.

Relative Fees

Firstbank's average total fees for a 30 year fixed rate mortgage are $3,382.

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 $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 23,156 $6,882,730,000 $297,233 $2,787 3.53%
FHA 1,118 $230,990,000 $206,610 $7,506 3.31%
VA 1,047 $350,535,000 $334,799 $5,098 2.91%
USDA 388 $60,660,000 $156,340 $5,336 3.23%

For the 2020 period, Firstbank's most frequently originated loan type was Conventional, with 23,156 originations. Their 2nd most popular type is FHA, with 1,118 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 12,736 $4,280,110,000 $336,064 $2,491 3.12%
Home Purchase 8,671 $2,047,725,000 $236,158 $4,303 3.96%
Cash Out Refi 3,385 $1,085,025,000 $320,539 $3,351 3.34%
Other 716 $91,160,000 $127,318 $1,594 4.66%
Home Improvement 201 $20,895,000 $103,955 $1,367 4.94%

For the 2020, Firstbank's most frequently cited loan purpose was Refi, with 12,736 originations. The 2nd most popular reason was Home Purchase, with 8,671 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 17,629 $5,557,665,000 $315,257 $3,382 3.23%
15 Year 3,723 $1,136,515,000 $305,269 $2,539 2.97%
10 Year 1,403 $181,135,000 $129,105 $1,143 4.66%
Other 1,401 $228,685,000 $163,230 $2,732 6.53%
20 Year 924 $269,280,000 $291,429 $2,661 3.66%
5 Year 479 $96,315,000 $201,075 $1,172 3.87%
1 Year 127 $28,765,000 $226,496 $2,271 5.10%
3 Year 23 $26,555,000 $1,154,565 $0 5.68%

For the 2020, Firstbank's most frequently cited loan length was 30 Year, with 17,629 originations. The 2nd most popular length was 15 Year, with 3,723 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 16,194 $5,334,620,000 $329,420
$1k-2k 2,861 $727,685,000 $254,346
$2k-3k 1,723 $404,515,000 $234,774
$3k-4k 1,204 $344,830,000 $286,404
$5k+ 299 $135,155,000 $452,023

$3,382 was Firstbank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 16,194 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 5,113 $1,579,475,000 $308,914 $3,772 3.39%
Outside of Metro Areas 3,277 $590,645,000 $180,240 $3,648 4.30%
HUNTSVILLE, AL 1,334 $352,790,000 $264,460 $4,311 3.10%
SEATTLE-BELLEVUE-KENT, WA 626 $265,260,000 $423,738 $2,275 2.98%
BIRMINGHAM-HOOVER, AL 1,118 $264,790,000 $236,843 $3,839 3.45%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 729 $231,685,000 $317,812 $3,214 3.16%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 403 $171,135,000 $424,653 $2,026 2.95%
DAPHNE-FAIRHOPE-FOLEY, AL 635 $157,215,000 $247,583 $3,620 3.42%
PHOENIX-MESA-CHANDLER, AZ 452 $151,260,000 $334,646 $1,879 3.18%
CHATTANOOGA, TN-GA 681 $147,315,000 $216,322 $3,787 3.57%
LOS ANGELES-LONG BEACH-GLENDALE, CA 327 $138,905,000 $424,786 $1,915 3.05%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 350 $127,750,000 $365,000 $2,853 3.07%
DENVER-AURORA-LAKEWOOD, CO 329 $127,495,000 $387,523 $2,055 3.10%
LAS VEGAS-HENDERSON-PARADISE, NV 288 $98,600,000 $342,361 $2,179 3.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 226 $97,540,000 $431,593 $2,014 3.04%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 291 $94,135,000 $323,488 $2,021 3.10%
KNOXVILLE, TN 365 $90,645,000 $248,342 $3,742 3.80%
OAKLAND-BERKELEY-LIVERMORE, CA 196 $88,120,000 $449,592 $1,829 3.05%
ANAHEIM-SANTA ANA-IRVINE, CA 186 $83,420,000 $448,495 $1,885 3.06%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 232 $81,300,000 $350,431 $1,908 3.02%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 206 $79,500,000 $385,922 $2,001 3.09%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 214 $79,450,000 $371,262 $2,252 3.14%
DALLAS-PLANO-IRVING, TX 272 $77,710,000 $285,699 $2,797 4.10%
MEMPHIS, TN-MS-AR 345 $75,005,000 $217,406 $3,524 3.75%
TUSCALOOSA, AL 337 $69,775,000 $207,047 $4,856 3.82%
SALT LAKE CITY, UT 171 $64,665,000 $378,158 $2,081 3.14%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 190 $58,610,000 $308,474 $3,059 3.69%
NEW BRUNSWICK-LAKEWOOD, NJ 151 $58,145,000 $385,066 $2,325 2.96%
CHICAGO-NAPERVILLE-EVANSTON, IL 160 $57,980,000 $362,375 $2,183 3.03%
RALEIGH-CARY, NC 161 $56,455,000 $350,652 $1,884 3.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 229 $53,895,000 $235,349 $2,770 5.62%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 96 $44,090,000 $459,271 $2,338 3.02%
JACKSON, TN 229 $41,155,000 $179,716 $3,388 3.84%
WARREN-TROY-FARMINGTON HILLS, MI 91 $39,495,000 $434,011 $2,092 3.18%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 93 $38,455,000 $413,495 $1,990 2.98%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 100 $37,450,000 $374,500 $3,624 2.94%
NEWARK, NJ-PA 92 $36,440,000 $396,087 $2,637 2.83%
RENO, NV 103 $34,975,000 $339,563 $1,934 3.16%
ORLANDO-KISSIMMEE-SANFORD, FL 106 $34,060,000 $321,321 $3,018 3.15%
TACOMA-LAKEWOOD, WA 93 $33,605,000 $361,344 $2,209 3.03%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 103 $33,045,000 $320,825 $2,692 3.48%
OXNARD-THOUSAND OAKS-VENTURA, CA 78 $32,890,000 $421,667 $1,940 3.17%
PROVO-OREM, UT 85 $29,635,000 $348,647 $2,018 3.10%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 81 $27,715,000 $342,160 $2,609 3.09%
BOISE CITY, ID 78 $27,560,000 $353,333 $3,435 3.18%
ROME, GA 141 $26,865,000 $190,532 $6,158 3.44%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 68 $26,720,000 $392,941 $3,451 2.99%
COLUMBUS, OH 75 $25,585,000 $341,133 $1,996 3.00%
BOWLING GREEN, KY 155 $25,455,000 $164,226 $2,468 4.08%
DALTON, GA 135 $23,555,000 $174,481 $3,704 3.68%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 48 $22,280,000 $464,167 $2,369 2.87%
OGDEN-CLEARFIELD, UT 59 $21,875,000 $370,763 $2,092 3.09%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 60 $20,650,000 $344,167 $2,828 3.19%
CHARLESTON-NORTH CHARLESTON, SC 67 $20,355,000 $303,806 $2,410 3.79%
JACKSONVILLE, FL 51 $19,915,000 $390,490 $3,412 3.04%
INDIANAPOLIS-CARMEL-ANDERSON, IN 56 $19,640,000 $350,714 $2,093 2.96%
RICHMOND, VA 53 $18,975,000 $358,019 $2,006 2.98%
BOULDER, CO 46 $18,810,000 $408,913 $2,101 3.06%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 67 $18,505,000 $276,194 $3,149 4.24%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 55 $17,465,000 $317,545 $2,034 3.15%
BRIDGEPORT-STAMFORD-NORWALK, CT 43 $17,375,000 $404,070 $2,884 2.84%
COEUR D'ALENE, ID 48 $16,680,000 $347,500 $3,536 3.05%
KANSAS CITY, MO-KS 50 $16,450,000 $329,000 $1,852 3.08%
COLORADO SPRINGS, CO 48 $16,030,000 $333,958 $1,908 3.11%
COLUMBUS, GA-AL 133 $15,775,000 $118,609 $4,164 2.79%
BEND, OR 42 $15,430,000 $367,381 $2,899 3.12%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 41 $15,355,000 $374,512 $4,278 3.37%
STOCKTON, CA 41 $15,315,000 $373,537 $2,270 3.06%
ST. LOUIS, MO-IL 45 $15,305,000 $340,111 $1,854 3.00%
CLEVELAND, TN 69 $14,545,000 $210,797 $3,489 3.33%
MORRISTOWN, TN 83 $14,275,000 $171,988 $3,705 4.15%
CINCINNATI, OH-KY-IN 43 $14,185,000 $329,884 $2,021 3.04%
SANTA ROSA-PETALUMA, CA 34 $13,710,000 $403,235 $1,768 3.07%
SAN LUIS OBISPO-PASO ROBLES, CA 34 $13,660,000 $401,765 $1,930 3.07%
DURHAM-CHAPEL HILL, NC 39 $13,605,000 $348,846 $2,185 3.02%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 36 $13,380,000 $371,667 $1,863 2.99%
MOBILE, AL 98 $13,350,000 $136,224 $3,821 5.48%
SAN ANTONIO-NEW BRAUNFELS, TX 74 $13,320,000 $180,000 $2,839 6.07%
DOTHAN, AL 93 $13,215,000 $142,097 $4,261 3.88%
VALLEJO, CA 35 $12,855,000 $367,286 $2,067 3.08%
ANCHORAGE, AK 31 $12,745,000 $411,129 $3,444 2.96%
CLARKSVILLE, TN-KY 62 $12,740,000 $205,484 $5,142 3.69%
TUCSON, AZ 43 $12,685,000 $295,000 $1,743 3.20%
MILWAUKEE-WAUKESHA, WI 37 $12,625,000 $341,216 $1,970 3.04%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 37 $12,615,000 $340,946 $2,695 2.92%
BOSTON, MA 30 $12,470,000 $415,667 $1,976 2.97%
ALBUQUERQUE, NM 34 $11,660,000 $342,941 $3,094 3.06%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 31 $11,285,000 $364,032 $2,055 3.15%
PHILADELPHIA, PA 30 $11,280,000 $376,000 $3,651 3.12%
PRESCOTT VALLEY-PRESCOTT, AZ 17 $11,275,000 $663,235 $2,069 3.23%
FORT COLLINS, CO 30 $10,990,000 $366,333 $1,972 3.04%
CLEVELAND-ELYRIA, OH 35 $10,925,000 $312,143 $2,582 2.91%
PITTSBURGH, PA 32 $10,800,000 $337,500 $3,366 3.02%
DECATUR, AL 67 $10,575,000 $157,836 $4,516 3.72%
EUGENE-SPRINGFIELD, OR 30 $10,510,000 $350,333 $2,971 3.22%
OMAHA-COUNCIL BLUFFS, NE-IA 35 $10,425,000 $297,857 $1,962 3.09%
SPOKANE-SPOKANE VALLEY, WA 31 $10,405,000 $335,645 $1,921 3.09%
NEW ORLEANS-METAIRIE, LA 28 $10,340,000 $369,286 $2,974 3.08%
NORTH PORT-SARASOTA-BRADENTON, FL 23 $9,925,000 $431,522 $2,935 3.07%
OLYMPIA-LACEY-TUMWATER, WA 28 $9,660,000 $345,000 $2,249 3.06%
MADISON, WI 27 $9,655,000 $357,593 $1,896 2.92%
GREENVILLE-ANDERSON, SC 29 $9,025,000 $311,207 $2,035 3.08%
MIAMI-MIAMI BEACH-KENDALL, FL 27 $8,915,000 $330,185 $2,434 3.21%
PENSACOLA-FERRY PASS-BRENT, FL 31 $8,905,000 $287,258 $5,072 3.79%
MANCHESTER-NASHUA, NH 26 $8,870,000 $341,154 $1,770 2.96%
FRESNO, CA 26 $8,720,000 $335,385 $2,551 3.08%
CAPE CORAL-FORT MYERS, FL 26 $8,550,000 $328,846 $2,838 3.21%
BELLINGHAM, WA 24 $8,500,000 $354,167 $2,099 3.01%
FLORENCE-MUSCLE SHOALS, AL 36 $8,440,000 $234,444 $4,375 3.58%
DETROIT-DEARBORN-LIVONIA, MI 23 $8,225,000 $357,609 $2,010 2.87%
ANN ARBOR, MI 24 $7,840,000 $326,667 $1,801 3.29%
NAPLES-MARCO ISLAND, FL 20 $7,710,000 $385,500 $4,650 3.01%
SALEM, OR 23 $7,675,000 $333,696 $2,966 3.25%
TRENTON-PRINCETON, NJ 20 $7,600,000 $380,000 $2,811 2.87%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 23 $7,545,000 $328,043 $3,004 2.94%
GREENSBORO-HIGH POINT, NC 24 $7,480,000 $311,667 $2,081 3.47%
MEDFORD, OR 24 $7,430,000 $309,583 $3,370 3.25%
ST. GEORGE, UT 21 $7,205,000 $343,095 $2,150 3.14%
WILMINGTON, DE-MD-NJ 19 $6,885,000 $362,368 $2,454 3.09%
SANTA MARIA-SANTA BARBARA, CA 16 $6,850,000 $428,125 $2,991 2.98%
AUBURN-OPELIKA, AL 26 $6,840,000 $263,077 $4,038 3.34%
SALINAS, CA 18 $6,800,000 $377,778 $2,244 3.04%
GREELEY, CO 18 $6,760,000 $375,556 $2,564 3.26%
PROVIDENCE-WARWICK, RI-MA 18 $6,750,000 $375,000 $1,875 3.01%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 21 $6,495,000 $309,286 $2,457 3.16%
CAMDEN, NJ 20 $6,430,000 $321,500 $2,280 3.05%
MODESTO, CA 21 $6,375,000 $303,571 $1,871 3.18%
KENNEWICK-RICHLAND, WA 17 $6,345,000 $373,235 $1,790 3.07%
OKLAHOMA CITY, OK 31 $6,225,000 $200,806 $2,947 5.24%
ASHEVILLE, NC 16 $5,970,000 $373,125 $3,022 2.99%
SAN RAFAEL, CA 12 $5,740,000 $478,333 $2,193 2.94%
PANAMA CITY, FL 21 $5,695,000 $271,190 $3,744 4.09%
NEW HAVEN-MILFORD, CT 15 $5,565,000 $371,000 $2,724 2.86%
NASSAU COUNTY-SUFFOLK COUNTY, NY 14 $5,540,000 $395,714 $3,112 3.19%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 14 $5,520,000 $394,286 $2,367 3.14%
MISSOULA, MT 14 $5,490,000 $392,143 $3,143 3.10%
GADSDEN, AL 34 $5,480,000 $161,176 $4,278 3.38%
SANTA CRUZ-WATSONVILLE, CA 13 $5,395,000 $415,000 $1,748 2.99%
URBAN HONOLULU, HI 10 $5,360,000 $536,000 $3,285 3.11%
MONTGOMERY, AL 30 $5,240,000 $174,667 $4,161 4.37%
BAKERSFIELD, CA 18 $5,210,000 $289,444 $2,877 3.03%
GRAND RAPIDS-KENTWOOD, MI 20 $5,000,000 $250,000 $2,175 3.98%
HARRISBURG-CARLISLE, PA 14 $4,900,000 $350,000 $3,477 3.06%
MOUNT VERNON-ANACORTES, WA 12 $4,710,000 $392,500 $1,811 3.06%
PORTLAND-SOUTH PORTLAND, ME 13 $4,675,000 $359,615 $2,837 2.99%
ELGIN, IL 15 $4,665,000 $311,000 $1,761 3.15%
BATON ROUGE, LA 14 $4,600,000 $328,571 $2,605 3.01%
SALISBURY, MD-DE 13 $4,385,000 $337,308 $2,222 2.99%
CHARLOTTESVILLE, VA 10 $4,150,000 $415,000 $2,178 2.86%
LEXINGTON-FAYETTE, KY 14 $4,090,000 $292,143 $2,218 3.33%
WENATCHEE, WA 11 $3,975,000 $361,364 $1,952 3.07%
PORT ST. LUCIE, FL 11 $3,895,000 $354,091 $4,141 3.43%
PALM BAY-MELBOURNE-TITUSVILLE, FL 12 $3,820,000 $318,333 $2,174 3.14%
HILTON HEAD ISLAND-BLUFFTON, SC 12 $3,760,000 $313,333 $3,455 3.34%
BILLINGS, MT 10 $3,680,000 $368,000 $2,673 3.00%
COLUMBIA, SC 11 $3,575,000 $325,000 $2,167 3.19%
MERCED, CA 12 $3,560,000 $296,667 $2,511 3.15%
AKRON, OH 13 $3,535,000 $271,923 $2,309 2.95%
AUGUSTA-RICHMOND COUNTY, GA-SC 12 $3,510,000 $292,500 $3,733 3.10%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 11 $3,495,000 $317,727 $2,434 3.29%
NAPA, CA 7 $3,365,000 $480,714 $2,270 3.14%
JACKSON, MS 30 $3,330,000 $111,000 $3,005 7.07%
GARY, IN 10 $3,190,000 $319,000 $1,713 3.33%
SHREVEPORT-BOSSIER CITY, LA 4 $3,170,000 $792,500 $3,050 4.53%
WINSTON-SALEM, NC 10 $3,080,000 $308,000 $2,800 3.06%
SANTA FE, NM 7 $3,015,000 $430,714 $5,352 2.93%
CHICO, CA 9 $2,985,000 $331,667 $1,829 3.11%
WILMINGTON, NC 10 $2,910,000 $291,000 $2,516 3.08%
WORCESTER, MA-CT 8 $2,900,000 $362,500 $3,110 2.95%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 10 $2,870,000 $287,000 $3,725 3.22%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 9 $2,865,000 $318,333 $2,597 3.21%
KAHULUI-WAILUKU-LAHAINA, HI 5 $2,545,000 $509,000 $3,307 3.35%
TOLEDO, OH 9 $2,465,000 $273,889 $2,073 2.97%
GAINESVILLE, GA 7 $2,445,000 $349,286 $3,312 3.16%
WINCHESTER, VA-WV 7 $2,325,000 $332,143 $1,990 3.16%
LYNCHBURG, VA 8 $2,320,000 $290,000 $2,372 4.24%
DAYTON-KETTERING, OH 7 $2,305,000 $329,286 $3,827 2.88%
HATTIESBURG, MS 20 $2,280,000 $114,000 $4,229 6.84%
CORVALLIS, OR 7 $2,265,000 $323,571 $3,114 3.13%
LANCASTER, PA 7 $2,175,000 $310,714 $4,910 3.09%
LAFAYETTE, LA 6 $2,140,000 $356,667 $3,032 3.17%
LAKELAND-WINTER HAVEN, FL 21 $2,055,000 $97,857 $3,919 6.92%
PUNTA GORDA, FL 6 $2,050,000 $341,667 $2,387 2.98%
SAVANNAH, GA 6 $2,050,000 $341,667 $4,483 2.90%
THE VILLAGES, FL 5 $2,045,000 $409,000 $2,684 2.95%
DES MOINES-WEST DES MOINES, IA 11 $2,015,000 $183,182 $1,490 5.40%
HICKORY-LENOIR-MORGANTON, NC 6 $1,990,000 $331,667 $1,862 3.08%
VISALIA, CA 6 $1,980,000 $330,000 $1,847 3.06%
LAKE HAVASU CITY-KINGMAN, AZ 7 $1,825,000 $260,714 $2,365 3.21%
CARSON CITY, NV 6 $1,770,000 $295,000 $2,354 3.21%
IDAHO FALLS, ID 5 $1,765,000 $353,000 $3,468 2.93%
ROCHESTER, MN 5 $1,685,000 $337,000 $2,852 2.90%
FARGO, ND-MN 4 $1,680,000 $420,000 $2,961 2.97%
KALAMAZOO-PORTAGE, MI 5 $1,665,000 $333,000 $2,499 4.11%
REDDING, CA 4 $1,650,000 $412,500 $1,969 2.94%
ATHENS-CLARKE COUNTY, GA 5 $1,645,000 $329,000 $3,412 3.03%
GREEN BAY, WI 4 $1,510,000 $377,500 $1,786 2.75%
GAINESVILLE, FL 7 $1,495,000 $213,571 $2,902 5.02%
JOHNSON CITY, TN 6 $1,480,000 $246,667 $3,753 3.19%
ANNISTON-OXFORD, AL 14 $1,480,000 $105,714 $4,197 6.52%
FLAGSTAFF, AZ 4 $1,450,000 $362,500 $2,141 3.00%
BARNSTABLE TOWN, MA 4 $1,450,000 $362,500 $2,001 2.87%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 5 $1,415,000 $283,000 $2,554 3.25%
NORWICH-NEW LONDON, CT 4 $1,390,000 $347,500 $4,628 2.78%
BURLINGTON-SOUTH BURLINGTON, VT 3 $1,385,000 $461,667 $2,771 2.75%
CHEYENNE, WY 4 $1,370,000 $342,500 $2,134 2.88%
WICHITA, KS 5 $1,355,000 $271,000 $2,003 3.27%
SEBASTIAN-VERO BEACH, FL 4 $1,330,000 $332,500 $2,927 3.56%
GRANTS PASS, OR 4 $1,320,000 $330,000 $2,953 3.06%
LINCOLN, NE 5 $1,305,000 $261,000 $2,242 2.98%
EVANSVILLE, IN-KY 4 $1,290,000 $322,500 $2,396 3.13%
GULFPORT-BILOXI, MS 13 $1,255,000 $96,538 $3,341 7.11%
LAS CRUCES, NM 5 $1,225,000 $245,000 $4,611 3.96%
LONGVIEW, WA 3 $1,205,000 $401,667 $2,194 3.42%
ROCHESTER, NY 4 $1,200,000 $300,000 $3,132 3.00%
EL PASO, TX 5 $1,175,000 $235,000 $2,361 3.07%
BRUNSWICK, GA 4 $1,140,000 $285,000 $4,009 3.16%
SPARTANBURG, SC 4 $1,130,000 $282,500 $3,573 3.00%
SIOUX FALLS, SD 3 $1,115,000 $371,667 $2,222 2.88%
HAMMOND, LA 3 $1,105,000 $368,333 $2,656 2.88%
ALBANY-LEBANON, OR 4 $1,090,000 $272,500 $4,169 3.31%
SHERMAN-DENISON, TX 3 $1,085,000 $361,667 $0 7.68%
NILES, MI 5 $1,085,000 $217,000 $2,525 4.84%
TALLAHASSEE, FL 4 $1,040,000 $260,000 $1,725 3.13%
HARRISONBURG, VA 3 $995,000 $331,667 $1,675 2.92%
TYLER, TX 8 $990,000 $123,750 $2,024 7.90%
MADERA, CA 3 $975,000 $325,000 $1,685 3.54%
CORPUS CHRISTI, TX 6 $970,000 $161,667 $3,607 5.78%
LANSING-EAST LANSING, MI 4 $920,000 $230,000 $2,212 3.09%
SPRINGFIELD, MA 3 $885,000 $295,000 $3,130 2.63%
LOGAN, UT-ID 2 $860,000 $430,000 $2,646 2.87%
FORT WAYNE, IN 2 $820,000 $410,000 $2,909 3.44%
MONROE, MI 3 $785,000 $261,667 $2,505 3.00%
EAU CLAIRE, WI 2 $780,000 $390,000 $3,141 2.63%
BECKLEY, WV 1 $775,000 $775,000 $0 4.25%
ST. CLOUD, MN 2 $770,000 $385,000 $2,017 3.06%
EL CENTRO, CA 2 $750,000 $375,000 $2,648 2.75%
MIDLAND, TX 7 $745,000 $106,429 $3,163 8.17%
YAKIMA, WA 3 $745,000 $248,333 $2,372 3.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 3 $735,000 $245,000 $1,352 4.76%
OCALA, FL 4 $730,000 $182,500 $3,074 4.09%
KILLEEN-TEMPLE, TX 3 $725,000 $241,667 $2,091 3.42%
CARBONDALE-MARION, IL 2 $710,000 $355,000 $2,249 3.06%
TULSA, OK 3 $705,000 $235,000 $4,287 3.08%
MCALLEN-EDINBURG-MISSION, TX 11 $695,000 $63,182 $2,773 7.80%
MUNCIE, IN 2 $680,000 $340,000 $2,050 3.31%
FAYETTEVILLE, NC 4 $680,000 $170,000 $3,104 3.40%
AMES, IA 2 $630,000 $315,000 $1,177 3.19%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 2 $630,000 $315,000 $4,715 3.38%
HOT SPRINGS, AR 2 $630,000 $315,000 $3,079 3.38%
GRAND JUNCTION, CO 2 $630,000 $315,000 $1,789 3.49%
READING, PA 2 $600,000 $300,000 $3,329 3.18%
STAUNTON, VA 2 $600,000 $300,000 $1,614 3.38%
HANFORD-CORCORAN, CA 2 $560,000 $280,000 $2,028 3.06%
IOWA CITY, IA 2 $530,000 $265,000 $1,539 3.00%
PUEBLO, CO 1 $525,000 $525,000 $20,409 2.75%
SYRACUSE, NY 2 $510,000 $255,000 $0 4.38%
HINESVILLE, GA 3 $505,000 $168,333 $1,621 4.80%
ODESSA, TX 8 $500,000 $62,500 $0 9.05%
MUSKEGON, MI 3 $495,000 $165,000 $1,399 6.31%
ROANOKE, VA 2 $440,000 $220,000 $2,525 3.13%
BLOOMINGTON, IN 2 $420,000 $210,000 $1,624 3.43%
SIOUX CITY, IA-NE-SD 2 $410,000 $205,000 $4,349 5.26%
EAST STROUDSBURG, PA 2 $400,000 $200,000 $3,064 3.38%
OWENSBORO, KY 3 $395,000 $131,667 $3,491 5.00%
MANKATO, MN 1 $395,000 $395,000 $1,502 2.88%
PARKERSBURG-VIENNA, WV 1 $395,000 $395,000 $2,206 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 2 $380,000 $190,000 $3,418 3.75%
YUBA CITY, CA 1 $375,000 $375,000 $4,136 2.38%
RAPID CITY, SD 1 $365,000 $365,000 $3,034 3.13%
SEBRING-AVON PARK, FL 2 $360,000 $180,000 $2,949 5.33%
OCEAN CITY, NJ 1 $355,000 $355,000 $7,108 3.25%
SOUTH BEND-MISHAWAKA, IN-MI 1 $345,000 $345,000 $2,026 3.13%
CHARLESTON, WV 2 $340,000 $170,000 $2,305 3.13%
FLINT, MI 1 $335,000 $335,000 $2,548 2.63%
BLOOMINGTON, IL 2 $330,000 $165,000 $2,541 3.50%
PEORIA, IL 2 $320,000 $160,000 $3,190 2.88%
COLUMBUS, IN 1 $305,000 $305,000 $1,132 3.13%
ABILENE, TX 2 $300,000 $150,000 $6,643 5.87%
SIERRA VISTA-DOUGLAS, AZ 1 $295,000 $295,000 $8,117 4.88%
AMARILLO, TX 1 $285,000 $285,000 $2,307 3.75%
GREAT FALLS, MT 1 $285,000 $285,000 $5,363 3.00%
MORGANTOWN, WV 1 $285,000 $285,000 $2,299 3.75%
DOVER, DE 1 $285,000 $285,000 $1,874 3.63%
SHEBOYGAN, WI 1 $275,000 $275,000 $1,569 2.75%
ALBANY-SCHENECTADY-TROY, NY 1 $265,000 $265,000 $2,760 2.88%
APPLETON, WI 1 $265,000 $265,000 $1,815 3.25%
RACINE, WI 1 $255,000 $255,000 $776 3.75%
BURLINGTON, NC 1 $255,000 $255,000 $1,621 3.25%
HOUMA-THIBODAUX, LA 1 $245,000 $245,000 $2,782 2.88%
JACKSONVILLE, NC 1 $235,000 $235,000 $2,251 2.50%
SPRINGFIELD, MO 1 $235,000 $235,000 $1,534 2.88%
ELIZABETHTOWN-FORT KNOX, KY 1 $225,000 $225,000 $2,187 3.38%
VICTORIA, TX 2 $220,000 $110,000 $4,042 5.68%
HOMOSASSA SPRINGS, FL 1 $205,000 $205,000 $3,089 3.38%
KINGSPORT-BRISTOL, TN-VA 2 $200,000 $100,000 $3,074 5.75%
BLOOMSBURG-BERWICK, PA 1 $195,000 $195,000 $1,297 3.50%
OSHKOSH-NEENAH, WI 1 $195,000 $195,000 $1,767 3.50%
HAGERSTOWN-MARTINSBURG, MD-WV 1 $195,000 $195,000 $1,626 3.38%
GRAND FORKS, ND-MN 1 $185,000 $185,000 $1,497 2.88%
KINGSTON, NY 1 $175,000 $175,000 $1,156 3.38%
ALEXANDRIA, LA 1 $175,000 $175,000 $2,583 2.75%
VALDOSTA, GA 2 $170,000 $85,000 $3,963 7.57%
MICHIGAN CITY-LA PORTE, IN 1 $165,000 $165,000 $2,444 3.38%
DULUTH, MN-WI 1 $165,000 $165,000 $1,858 3.13%
HUNTINGTON-ASHLAND, WV-KY-OH 1 $155,000 $155,000 $1,244 3.25%
TWIN FALLS, ID 1 $145,000 $145,000 $3,026 3.25%
BROWNSVILLE-HARLINGEN, TX 2 $140,000 $70,000 $0 8.49%
WARNER ROBINS, GA 1 $135,000 $135,000 $3,411 3.75%
LEWISTON, ID-WA 1 $125,000 $125,000 $3,225 4.25%
ALBANY, GA 2 $90,000 $45,000 $0 10.12%
SPRINGFIELD, IL 1 $65,000 $65,000 $0 7.90%
Outside of Metro Areas 1 $55,000 $55,000 $0 8.24%
ELKHART-GOSHEN, IN 1 $45,000 $45,000 $0 7.90%
LAWTON, OK 1 $45,000 $45,000 $0 7.90%
DUBUQUE, IA 1 $25,000 $25,000 $0 7.99%

Firstbank's top markets include Nashville, Huntsville, Seattle, Birmingham, and Atlanta among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 10,901 $3,279,265,000 $300,822
2.5-3% 9,544 $3,148,010,000 $329,842
4-5% 1,875 $368,125,000 $196,333
<2.5% 1,650 $544,190,000 $329,812
Over 8% 598 $33,890,000 $56,672
5-6% 549 $82,765,000 $150,756
7-8% 333 $25,435,000 $76,381
6-7% 259 $43,235,000 $166,931

During 2020, Firstbank's average interest rate was 3.24%, while their most frequently originated rate bucket was 3-4%, with 10,901 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 12,539 $3,770,365,000 $300,691 $3,135 3.17%
$400k-600k 5,390 $2,500,830,000 $463,976 $2,927 3.05%
$100k-200k 4,434 $681,630,000 $153,728 $3,655 3.54%
$100,000 or less 2,891 $155,395,000 $53,751 $2,302 5.62%
$600k-1MM 378 $267,690,000 $708,175 $5,170 3.43%
$1MM+ 77 $149,005,000 $1,935,130 $8,490 4.21%

2020 saw Firstbank place emphasis on $200k-400k loans with 12,539 originations, totaling $3,770,365,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 6,683 $2,212,065,000 $330,999 $2,939 3.23%
$150k-250k 5,160 $1,943,460,000 $376,640 $2,830 3.14%
$50k-75k 4,091 $840,625,000 $205,482 $3,609 3.69%
$75k-100k 4,035 $1,088,905,000 $269,865 $3,297 3.42%
$50k or less 3,158 $371,730,000 $117,711 $3,655 4.52%
$250k+ 1,817 $755,505,000 $415,798 $3,191 3.26%

Firstbank lent most frequently to those with incomes in the $100k-150k range, with 6,683 originations. The second most popular income band? $150k-250k, with 5,160 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 7,015 $2,096,635,000 $298,879 $2,889 3.38%
30-36% 4,897 $1,440,565,000 $294,173 $3,118 3.48%
<20% 2,802 $759,160,000 $270,935 $2,717 3.34%
42% 863 $241,015,000 $279,276 $3,466 3.71%
39% 842 $232,730,000 $276,401 $3,258 3.71%
36% 840 $245,840,000 $292,667 $3,265 3.50%
38% 834 $241,030,000 $289,005 $3,410 3.64%
41% 809 $225,225,000 $278,399 $3,484 3.76%
44% 796 $228,430,000 $286,972 $3,713 3.39%
40% 792 $213,970,000 $270,164 $3,401 3.69%
37% 790 $227,120,000 $287,494 $3,337 3.61%
43% 691 $211,415,000 $305,955 $3,455 3.40%
45% 507 $153,815,000 $303,383 $3,357 3.35%
49% 498 $154,380,000 $310,000 $3,490 3.36%
46% 427 $134,335,000 $314,602 $3,356 3.36%
47% 418 $132,000,000 $315,789 $3,413 3.30%
48% 402 $125,180,000 $311,393 $3,399 3.34%
50-60% 381 $93,265,000 $244,790 $6,378 3.52%
>60% 62 $12,850,000 $207,258 $3,134 4.72%

Firstbank lent most frequently to those with DTI ratios of 20-30%, with 7,015 originations. The next most common DTI ratio? 30-36%, with 4,897 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 18,024 $5,057,820,000 $280,616 $3,299 3.48%
Not provided 3,784 $1,229,440,000 $324,905 $2,736 3.37%
Asian 1,734 $644,780,000 $371,845 $2,343 3.01%
Black 1,460 $284,430,000 $194,815 $4,048 4.31%
Not applicable 292 $163,790,000 $560,925 $2,452 4.64%
Asian Indian 206 $80,200,000 $389,320 $2,413 3.02%
American Indian 98 $26,450,000 $269,898 $3,376 3.77%
Other Asian 39 $14,435,000 $370,128 $3,143 3.35%
Chinese 18 $7,220,000 $401,111 $1,863 3.01%
Native Hawaiian 22 $6,980,000 $317,273 $2,723 3.48%
Filipino 12 $4,090,000 $340,833 $2,220 3.42%
Other Pacific Islander 7 $1,865,000 $266,429 $4,469 4.31%
Vietnamese 6 $1,550,000 $258,333 $2,454 2.58%
Korean 4 $1,470,000 $367,500 $4,638 3.06%
Guamanian 1 $355,000 $355,000 $1,384 2.75%
2 $40,000 $20,000 $0 9.20%

Approval Rates

Total approvals of all applications
82.68%

Firstbank has a below average approval rate.

Pick Rate

Approvals leading to origination
64.86%

Firstbank 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
0.0 5 $85,000 $17,000
1000.95 1 $55,000 $55,000
1001.59 1 $35,000 $35,000
1001.98 1 $35,000 $35,000
1005.45 1 $55,000 $55,000
1007.11 1 $35,000 $35,000
1011.47 1 $75,000 $75,000
1020.77 1 $75,000 $75,000
1027.47 1 $55,000 $55,000
1028.57 1 $75,000 $75,000
1028.84 1 $35,000 $35,000
1038.7 1 $75,000 $75,000
1038.77 1 $75,000 $75,000
1043.83 1 $55,000 $55,000
1053.08 1 $35,000 $35,000
1053.96 1 $35,000 $35,000
1061.98 1 $55,000 $55,000
1062.81 1 $55,000 $55,000
1063.29 1 $35,000 $35,000
1063.76 1 $25,000 $25,000
1065.22 1 $55,000 $55,000
1071.91 1 $55,000 $55,000
1072.03 1 $35,000 $35,000
1072.78 1 $55,000 $55,000
1080.16 1 $35,000 $35,000
1083.41 1 $25,000 $25,000
1087.83 1 $55,000 $55,000
1089.94 1 $55,000 $55,000
1092.01 1 $35,000 $35,000
1095.71 1 $55,000 $55,000
1096.46 1 $35,000 $35,000
1097.63 1 $35,000 $35,000
1101.03 1 $55,000 $55,000
1104.88 1 $55,000 $55,000
1106.18 1 $55,000 $55,000
1107.36 1 $35,000 $35,000
1108.85 1 $35,000 $35,000
1109.16 1 $55,000 $55,000
1110.21 1 $35,000 $35,000
1113.25 1 $55,000 $55,000
1116.15 1 $55,000 $55,000
1131.17 1 $35,000 $35,000
1137.55 1 $45,000 $45,000
1139.87 1 $75,000 $75,000
1140.73 1 $55,000 $55,000
1141.86 1 $55,000 $55,000
1153.67 1 $45,000 $45,000
1154.16 1 $55,000 $55,000
1155.3 1 $65,000 $65,000
1161.74 1 $45,000 $45,000
1170.37 1 $45,000 $45,000
1177.62 1 $45,000 $45,000
1184.69 1 $65,000 $65,000
1188.05 1 $65,000 $65,000
1188.7 1 $65,000 $65,000
1191.33 1 $45,000 $45,000
1193.25 1 $65,000 $65,000
1194.13 1 $65,000 $65,000
1194.46 1 $65,000 $65,000
1194.58 1 $45,000 $45,000
1199.33 1 $85,000 $85,000
1200.03 1 $45,000 $45,000
1201.05 1 $45,000 $45,000
1204.46 1 $45,000 $45,000
1205.6 1 $85,000 $85,000
1207.02 1 $25,000 $25,000
1207.75 1 $45,000 $45,000
1211.04 1 $45,000 $45,000
1211.67 1 $65,000 $65,000
1215.62 1 $45,000 $45,000
1217.74 1 $65,000 $65,000
1221.0 1 $45,000 $45,000
1222.63 1 $65,000 $65,000
1226.05 1 $65,000 $65,000
1230.33 1 $65,000 $65,000
1231.97 1 $65,000 $65,000
1232.78 1 $65,000 $65,000
1239.24 1 $45,000 $45,000
1252.07 1 $45,000 $45,000
1253.32 1 $35,000 $35,000
1254.73 1 $45,000 $45,000
1258.6 1 $65,000 $65,000
1258.75 1 $35,000 $35,000
1259.12 1 $45,000 $45,000
1263.9 1 $45,000 $45,000
1264.54 1 $45,000 $45,000
1265.88 1 $65,000 $65,000
1267.1 1 $45,000 $45,000
1269.04 1 $45,000 $45,000
1272.84 1 $45,000 $45,000
1277.07 1 $45,000 $45,000
1277.92 1 $45,000 $45,000
1279.29 1 $45,000 $45,000
1279.43 1 $85,000 $85,000
1281.36 1 $45,000 $45,000
1281.76 1 $45,000 $45,000
1286.52 1 $45,000 $45,000
1287.55 1 $45,000 $45,000
1288.63 1 $45,000 $45,000
1290.37 1 $45,000 $45,000
1291.92 1 $35,000 $35,000
1295.82 1 $45,000 $45,000
1296.92 1 $65,000 $65,000
1305.44 1 $35,000 $35,000
1306.34 1 $45,000 $45,000
1307.08 1 $45,000 $45,000
1308.91 1 $95,000 $95,000
1312.12 1 $45,000 $45,000
1315.71 1 $65,000 $65,000
1317.87 1 $45,000 $45,000
1318.41 1 $65,000 $65,000
1320.32 1 $45,000 $45,000
1320.91 1 $45,000 $45,000
1327.1 1 $45,000 $45,000
1328.85 1 $45,000 $45,000
1333.07 1 $65,000 $65,000
1333.65 1 $45,000 $45,000
1346.86 1 $65,000 $65,000
1350.22 1 $95,000 $95,000
1351.14 1 $45,000 $45,000
1352.47 1 $65,000 $65,000
1352.73 1 $65,000 $65,000
1354.91 1 $45,000 $45,000
1356.4 1 $45,000 $45,000
1356.57 1 $45,000 $45,000
1357.75 1 $75,000 $75,000
1358.68 1 $45,000 $45,000
1359.32 1 $45,000 $45,000
1359.98 1 $75,000 $75,000
1361.31 1 $35,000 $35,000
1363.84 1 $95,000 $95,000
136.59 1 $25,000 $25,000
1366.87 1 $75,000 $75,000
1367.75 1 $75,000 $75,000
1374.45 1 $45,000 $45,000
1380.31 1 $45,000 $45,000
1381.18 1 $45,000 $45,000
1381.53 1 $45,000 $45,000
1382.48 1 $45,000 $45,000
1383.92 1 $45,000 $45,000
1384.0 1 $35,000 $35,000
1384.81 1 $45,000 $45,000
1384.97 1 $45,000 $45,000
1387.55 1 $45,000 $45,000
1391.23 1 $45,000 $45,000
1394.9 1 $45,000 $45,000
1400.03 1 $45,000 $45,000
1401.18 1 $45,000 $45,000
1403.59 1 $45,000 $45,000
1404.74 1 $45,000 $45,000
1404.75 1 $75,000 $75,000
1411.59 1 $45,000 $45,000
1413.23 1 $55,000 $55,000
1414.34 1 $45,000 $45,000
1416.24 1 $75,000 $75,000
1416.72 1 $35,000 $35,000
1417.4 1 $45,000 $45,000
1417.68 1 $35,000 $35,000
1417.79 1 $45,000 $45,000
1418.25 1 $45,000 $45,000
1420.01 1 $55,000 $55,000
1421.54 1 $45,000 $45,000
1427.38 1 $45,000 $45,000
1429.32 1 $45,000 $45,000
1429.52 1 $55,000 $55,000
1430.11 1 $55,000 $55,000
1434.14 1 $55,000 $55,000
143.47 1 $15,000 $15,000
1434.75 1 $95,000 $95,000
1435.09 1 $55,000 $55,000
1437.05 1 $55,000 $55,000
1438.74 1 $55,000 $55,000
1439.12 1 $35,000 $35,000
1441.7 1 $75,000 $75,000
1448.39 1 $75,000 $75,000
1448.89 1 $55,000 $55,000
1455.48 1 $35,000 $35,000
1456.07 1 $55,000 $55,000
1457.09 1 $35,000 $35,000
1457.24 1 $55,000 $55,000
1458.3 1 $35,000 $35,000
1458.65 1 $105,000 $105,000
1458.86 1 $75,000 $75,000
1460.34 1 $35,000 $35,000
1460.67 1 $55,000 $55,000
1461.36 1 $55,000 $55,000
1461.76 1 $55,000 $55,000
1462.3 1 $55,000 $55,000
1463.88 1 $55,000 $55,000
1473.07 1 $55,000 $55,000
1474.2 1 $55,000 $55,000
1474.77 1 $55,000 $55,000
1475.16 1 $55,000 $55,000
1476.51 1 $55,000 $55,000
1481.1 1 $55,000 $55,000
1482.12 1 $55,000 $55,000
1487.29 1 $55,000 $55,000
1489.24 1 $35,000 $35,000
1489.34 1 $55,000 $55,000
1492.95 1 $55,000 $55,000
1499.26 1 $55,000 $55,000
150.0 1 $5,000 $5,000
1502.98 1 $55,000 $55,000
1504.34 1 $75,000 $75,000
1505.95 1 $55,000 $55,000
1507.08 1 $55,000 $55,000
1509.14 1 $105,000 $105,000
1514.76 1 $55,000 $55,000
1516.49 1 $75,000 $75,000
1517.17 1 $105,000 $105,000
1517.18 1 $55,000 $55,000
1517.74 1 $55,000 $55,000
1521.6 1 $35,000 $35,000
1522.32 1 $55,000 $55,000
1525.28 1 $75,000 $75,000
1525.64 1 $55,000 $55,000
1533.79 1 $105,000 $105,000
153.54 1 $15,000 $15,000
1541.26 1 $55,000 $55,000
1542.22 1 $55,000 $55,000
1543.58 1 $45,000 $45,000
1547.04 1 $55,000 $55,000
1547.96 1 $85,000 $85,000
1551.98 1 $35,000 $35,000
1553.09 1 $55,000 $55,000
1560.65 1 $55,000 $55,000
1561.08 1 $85,000 $85,000
1562.56 1 $45,000 $45,000
1564.01 1 $55,000 $55,000
1564.8 1 $55,000 $55,000
1571.78 1 $105,000 $105,000
1574.45 1 $55,000 $55,000
1575.31 1 $55,000 $55,000
1576.09 1 $55,000 $55,000
1576.3 1 $55,000 $55,000
1577.01 1 $55,000 $55,000
1577.58 1 $55,000 $55,000
1577.71 1 $35,000 $35,000
1584.48 1 $55,000 $55,000
1586.75 1 $55,000 $55,000
1590.67 1 $55,000 $55,000
1591.08 1 $45,000 $45,000
1592.04 1 $55,000 $55,000
1592.07 1 $55,000 $55,000
1595.49 1 $55,000 $55,000
1596.19 1 $55,000 $55,000
1597.16 1 $85,000 $85,000
1612.15 1 $85,000 $85,000
1616.22 1 $55,000 $55,000
1616.89 1 $45,000 $45,000
1621.55 1 $55,000 $55,000
1624.41 1 $55,000 $55,000
1630.47 1 $55,000 $55,000
1631.08 1 $85,000 $85,000
1631.47 1 $55,000 $55,000
1631.97 1 $35,000 $35,000
1633.83 1 $55,000 $55,000
1636.19 1 $55,000 $55,000
1638.59 1 $55,000 $55,000
1647.36 1 $115,000 $115,000
1648.05 1 $55,000 $55,000
1648.81 1 $55,000 $55,000
1650.31 1 $45,000 $45,000
1651.76 1 $55,000 $55,000
1654.9 1 $55,000 $55,000
1658.04 1 $85,000 $85,000
1660.51 1 $55,000 $55,000
1662.15 1 $45,000 $45,000
1662.43 1 $55,000 $55,000
1662.89 1 $55,000 $55,000
1663.35 1 $55,000 $55,000
1663.48 1 $55,000 $55,000
1665.63 1 $85,000 $85,000
1670.16 1 $85,000 $85,000
1670.19 1 $55,000 $55,000
1673.28 1 $55,000 $55,000
1675.6 1 $55,000 $55,000
1677.31 1 $55,000 $55,000
1677.52 1 $55,000 $55,000
1678.95 1 $55,000 $55,000
1679.77 1 $55,000 $55,000
1680.07 1 $55,000 $55,000
1682.14 1 $55,000 $55,000
1684.55 1 $55,000 $55,000
1685.96 1 $45,000 $45,000
1686.17 1 $55,000 $55,000
1690.43 1 $85,000 $85,000
1693.65 1 $65,000 $65,000
1693.9 1 $85,000 $85,000
1694.36 1 $85,000 $85,000
1694.76 1 $55,000 $55,000
1697.77 1 $45,000 $45,000
1704.31 1 $85,000 $85,000
1706.19 1 $55,000 $55,000
1708.26 1 $55,000 $55,000
1709.81 1 $55,000 $55,000
1709.99 1 $55,000 $55,000
1710.14 1 $55,000 $55,000
1712.67 1 $55,000 $55,000
1712.85 1 $65,000 $65,000
1714.04 1 $65,000 $65,000
1714.2 1 $65,000 $65,000
1717.06 1 $65,000 $65,000
1718.03 1 $45,000 $45,000
1721.37 1 $55,000 $55,000
1728.93 1 $65,000 $65,000
1737.71 1 $65,000 $65,000
1745.45 1 $65,000 $65,000
1749.8 1 $55,000 $55,000
1759.0 1 $65,000 $65,000
1761.36 1 $65,000 $65,000
1764.51 1 $65,000 $65,000
1764.52 1 $45,000 $45,000
1765.55 1 $65,000 $65,000
1765.99 1 $45,000 $45,000
1768.84 1 $65,000 $65,000
1769.17 1 $45,000 $45,000
1772.17 1 $65,000 $65,000
1772.2 1 $65,000 $65,000
1774.45 1 $65,000 $65,000
1774.73 1 $45,000 $45,000
1777.35 1 $65,000 $65,000
1778.17 1 $65,000 $65,000
1780.43 1 $45,000 $45,000
1781.09 1 $65,000 $65,000
1781.87 1 $65,000 $65,000
1786.95 1 $65,000 $65,000
1789.66 1 $65,000 $65,000
1793.32 1 $65,000 $65,000
1793.64 1 $65,000 $65,000
1795.43 1 $65,000 $65,000
1798.52 1 $65,000 $65,000
1805.67 1 $65,000 $65,000
1805.7 1 $65,000 $65,000
1809.28 1 $65,000 $65,000
1817.47 1 $45,000 $45,000
1820.68 1 $65,000 $65,000
1822.45 1 $65,000 $65,000
1826.09 1 $45,000 $45,000
1826.92 1 $65,000 $65,000
1829.08 1 $65,000 $65,000
1829.67 1 $65,000 $65,000
1833.03 1 $65,000 $65,000
1835.8 1 $65,000 $65,000
1838.35 1 $65,000 $65,000
1840.28 1 $65,000 $65,000
1842.48 1 $65,000 $65,000
1842.49 1 $65,000 $65,000
1842.97 1 $65,000 $65,000
1844.24 1 $65,000 $65,000
1850.93 1 $45,000 $45,000
1851.81 1 $65,000 $65,000
1856.02 1 $65,000 $65,000
1856.48 1 $65,000 $65,000
1867.67 1 $65,000 $65,000
1870.85 1 $55,000 $55,000
1873.35 1 $65,000 $65,000
1874.74 1 $65,000 $65,000
1879.52 1 $65,000 $65,000
1881.0 1 $65,000 $65,000
1881.95 1 $55,000 $55,000
1884.5 1 $65,000 $65,000
1885.65 1 $65,000 $65,000
1892.1 1 $65,000 $65,000
1892.16 1 $55,000 $55,000
1892.29 1 $65,000 $65,000
1892.68 1 $65,000 $65,000
1898.76 1 $65,000 $65,000
1900.86 1 $65,000 $65,000
1901.66 1 $55,000 $55,000
1902.71 1 $65,000 $65,000
1906.91 1 $55,000 $55,000
1910.36 1 $55,000 $55,000
1917.35 1 $65,000 $65,000
1918.72 1 $65,000 $65,000
1921.29 1 $65,000 $65,000
1921.58 1 $65,000 $65,000
1923.22 1 $95,000 $95,000
1928.49 1 $65,000 $65,000
1933.89 1 $65,000 $65,000
1939.9 1 $65,000 $65,000
1948.2 1 $105,000 $105,000
195.0 4 $130,000 $32,500
1951.57 1 $65,000 $65,000
1953.85 1 $65,000 $65,000
1965.5 1 $65,000 $65,000
1967.0 1 $65,000 $65,000
1967.56 1 $65,000 $65,000
1967.66 1 $65,000 $65,000
1971.53 1 $55,000 $55,000
1976.44 1 $45,000 $45,000
1976.52 1 $65,000 $65,000
1992.09 1 $65,000 $65,000
1993.72 1 $65,000 $65,000
1993.87 1 $65,000 $65,000
1994.64 1 $55,000 $55,000
2001.85 1 $75,000 $75,000
2002.97 1 $75,000 $75,000
2007.02 1 $75,000 $75,000
2010.09 1 $65,000 $65,000
2011.89 1 $55,000 $55,000
2012.54 1 $55,000 $55,000
2021.17 1 $75,000 $75,000
2024.71 1 $75,000 $75,000
2028.39 1 $75,000 $75,000
2030.85 1 $75,000 $75,000
2038.43 1 $105,000 $105,000
2042.04 1 $75,000 $75,000
2046.16 1 $75,000 $75,000
205.0 1 $35,000 $35,000
2055.15 1 $45,000 $45,000
2057.64 1 $75,000 $75,000
2058.73 1 $55,000 $55,000
2062.47 1 $105,000 $105,000
2063.37 1 $75,000 $75,000
2068.28 1 $75,000 $75,000
2073.03 1 $55,000 $55,000
2080.9 1 $75,000 $75,000
2082.72 1 $75,000 $75,000
2093.01 1 $55,000 $55,000
2095.57 1 $55,000 $55,000
2105.83 1 $75,000 $75,000
2109.65 1 $75,000 $75,000
2109.72 1 $75,000 $75,000
2113.08 1 $55,000 $55,000
2113.42 1 $75,000 $75,000
2117.89 1 $75,000 $75,000
2117.9 1 $75,000 $75,000
2118.91 1 $55,000 $55,000
2121.31 1 $75,000 $75,000
2122.02 1 $75,000 $75,000
2145.21 1 $55,000 $55,000
2153.01 1 $75,000 $75,000
2163.42 1 $75,000 $75,000
2164.74 1 $75,000 $75,000
2164.97 1 $75,000 $75,000
2172.27 1 $75,000 $75,000
2180.34 1 $75,000 $75,000
2181.83 1 $55,000 $55,000
2182.57 1 $75,000 $75,000
2182.85 1 $145,000 $145,000
2186.55 1 $115,000 $115,000
2190.64 1 $55,000 $55,000
2202.44 1 $75,000 $75,000
2204.51 1 $75,000 $75,000
2210.46 1 $55,000 $55,000
2214.38 1 $75,000 $75,000
2214.71 1 $75,000 $75,000
2214.85 1 $55,000 $55,000
2221.35 1 $75,000 $75,000
2221.61 1 $75,000 $75,000
2221.83 1 $75,000 $75,000
2223.2 1 $75,000 $75,000
2231.52 1 $75,000 $75,000
2232.66 1 $55,000 $55,000
2236.77 1 $75,000 $75,000
2244.97 1 $55,000 $55,000
2248.75 1 $75,000 $75,000
2255.53 1 $75,000 $75,000
2257.22 1 $75,000 $75,000
2259.41 1 $75,000 $75,000
2262.04 1 $75,000 $75,000
2265.89 1 $65,000 $65,000
2272.06 1 $75,000 $75,000
2275.21 1 $85,000 $85,000
2279.19 1 $75,000 $75,000
2281.9 1 $115,000 $115,000
2283.91 1 $75,000 $75,000
2286.74 1 $75,000 $75,000
2290.62 1 $65,000 $65,000
2296.71 1 $85,000 $85,000
2297.87 1 $55,000 $55,000
2311.82 1 $65,000 $65,000
2314.32 1 $65,000 $65,000
2314.38 1 $55,000 $55,000
2315.37 1 $65,000 $65,000
2320.15 1 $125,000 $125,000
2344.82 1 $85,000 $85,000
2350.0 1 $65,000 $65,000
2351.2 1 $85,000 $85,000
2352.85 1 $65,000 $65,000
2368.79 1 $65,000 $65,000
238.07 1 $15,000 $15,000
2384.0 1 $85,000 $85,000
2384.46 1 $85,000 $85,000
2386.53 1 $85,000 $85,000
2387.02 1 $85,000 $85,000
2395.34 1 $55,000 $55,000
2396.51 1 $85,000 $85,000
2396.77 1 $65,000 $65,000
239.78 1 $25,000 $25,000
2398.6 1 $125,000 $125,000
2405.78 1 $85,000 $85,000
241.21 1 $25,000 $25,000
2412.63 1 $85,000 $85,000
2418.1 1 $65,000 $65,000
2420.9 1 $55,000 $55,000
2433.46 1 $85,000 $85,000
2438.65 1 $85,000 $85,000
2444.98 1 $85,000 $85,000
2447.98 1 $85,000 $85,000
2449.25 1 $85,000 $85,000
2465.59 1 $85,000 $85,000
2471.7 1 $65,000 $65,000
2483.43 1 $65,000 $65,000
2486.03 1 $85,000 $85,000
2509.24 1 $85,000 $85,000
2520.21 1 $55,000 $55,000
2535.2 1 $65,000 $65,000
2553.83 1 $85,000 $85,000
2558.06 1 $85,000 $85,000
2566.66 1 $95,000 $95,000
2582.32 1 $85,000 $85,000
2626.25 1 $135,000 $135,000
2642.69 1 $95,000 $95,000
2683.3 1 $75,000 $75,000
2698.18 1 $95,000 $95,000
2700.56 1 $95,000 $95,000
2707.84 1 $145,000 $145,000
2719.96 1 $135,000 $135,000
2727.63 1 $95,000 $95,000
2733.58 1 $65,000 $65,000
2755.49 1 $65,000 $65,000
2767.02 1 $75,000 $75,000
2796.82 1 $95,000 $95,000
2881.26 1 $85,000 $85,000
2891.38 1 $75,000 $75,000
2895.92 1 $95,000 $95,000
2925.64 1 $75,000 $75,000
2930.06 1 $85,000 $85,000
29.38 1 $55,000 $55,000
2970.15 1 $105,000 $105,000
2993.34 1 $85,000 $85,000
300.72 1 $35,000 $35,000
301.19 1 $35,000 $35,000
3086.59 1 $105,000 $105,000
3104.13 1 $95,000 $95,000
3166.28 1 $105,000 $105,000
321.08 2 $70,000 $35,000
338.65 1 $35,000 $35,000
3416.54 1 $125,000 $125,000
355.95 1 $15,000 $15,000
358.75 1 $35,000 $35,000
359.07 1 $35,000 $35,000
361.93 1 $35,000 $35,000
392.79 1 $45,000 $45,000
401.24 1 $25,000 $25,000
402.42 1 $45,000 $45,000
415.04 1 $45,000 $45,000
420.12 1 $15,000 $15,000
438.11 1 $35,000 $35,000
454.22 1 $25,000 $25,000
456.61 1 $15,000 $15,000
470.64 1 $25,000 $25,000
484.34 1 $55,000 $55,000
487.14 1 $45,000 $45,000
500.06 1 $55,000 $55,000
503.98 1 $55,000 $55,000
509.74 1 $55,000 $55,000
512.38 1 $35,000 $35,000
515.57 1 $35,000 $35,000
536.52 1 $35,000 $35,000
549.61 1 $35,000 $35,000
573.87 1 $35,000 $35,000
573.97 1 $35,000 $35,000
575.86 1 $35,000 $35,000
578.38 1 $35,000 $35,000
579.62 1 $35,000 $35,000
584.17 1 $45,000 $45,000
598.18 1 $45,000 $45,000
601.69 1 $45,000 $45,000
611.53 1 $35,000 $35,000
612.68 1 $45,000 $45,000
612.98 1 $45,000 $45,000
614.15 1 $25,000 $25,000
617.16 1 $45,000 $45,000
617.4 1 $45,000 $45,000
619.64 1 $65,000 $65,000
633.04 1 $35,000 $35,000
647.08 1 $35,000 $35,000
648.3 1 $45,000 $45,000
650.44 1 $25,000 $25,000
651.39 1 $45,000 $45,000
664.55 1 $35,000 $35,000
670.44 1 $25,000 $25,000
674.55 1 $45,000 $45,000
675.94 1 $35,000 $35,000
676.34 1 $35,000 $35,000
679.47 1 $45,000 $45,000
684.71 1 $25,000 $25,000
702.83 1 $15,000 $15,000
711.33 1 $45,000 $45,000
719.6 1 $35,000 $35,000
719.67 1 $35,000 $35,000
728.37 1 $35,000 $35,000
737.32 1 $55,000 $55,000
743.38 1 $55,000 $55,000
745.72 1 $25,000 $25,000
755.4 1 $35,000 $35,000
756.41 1 $75,000 $75,000
766.68 1 $25,000 $25,000
773.35 1 $55,000 $55,000
773.71 1 $45,000 $45,000
796.95 1 $45,000 $45,000
800.0 181 $6,675,000 $36,878
806.82 1 $25,000 $25,000
808.44 1 $55,000 $55,000
809.81 1 $45,000 $45,000
815.43 1 $45,000 $45,000
822.89 1 $55,000 $55,000
826.58 1 $55,000 $55,000
833.62 1 $25,000 $25,000
839.39 1 $55,000 $55,000
841.87 1 $85,000 $85,000
846.57 1 $45,000 $45,000
856.08 1 $55,000 $55,000
858.43 1 $55,000 $55,000
865.23 1 $55,000 $55,000
867.71 1 $45,000 $45,000
869.58 1 $45,000 $45,000
871.41 1 $45,000 $45,000
872.47 1 $35,000 $35,000
879.46 1 $65,000 $65,000
890.64 1 $65,000 $65,000
900.12 1 $45,000 $45,000
903.77 1 $45,000 $45,000
903.95 1 $45,000 $45,000
904.18 1 $35,000 $35,000
908.65 1 $45,000 $45,000
912.82 1 $65,000 $65,000
914.48 1 $45,000 $45,000
915.18 1 $65,000 $65,000
923.94 1 $65,000 $65,000
924.4 1 $35,000 $35,000
925.88 1 $25,000 $25,000
931.28 1 $45,000 $45,000
932.22 1 $65,000 $65,000
935.23 1 $45,000 $45,000
939.22 1 $25,000 $25,000
945.14 1 $45,000 $45,000
945.65 1 $45,000 $45,000
950.0 117 $8,165,000 $69,786
955.24 1 $25,000 $25,000
960.82 1 $35,000 $35,000
961.04 1 $65,000 $65,000
964.79 1 $35,000 $35,000
976.12 1 $35,000 $35,000
984.7 1 $55,000 $55,000
985.16 1 $55,000 $55,000
989.69 1 $25,000 $25,000
989.86 1 $35,000 $35,000
991.03 1 $55,000 $55,000
997.09 1 $55,000 $55,000
997.86 1 $65,000 $65,000
NA 24,751 $7,471,965,000 $301,885

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Manufactured 16 $36,370,000 $2,273,125
Multifamily:Site-Built 58 $59,670,000 $1,028,793
Single Family (1-4 Units):Manufactured 1,188 $71,870,000 $60,497
Single Family (1-4 Units):Site-Built 24,447 $7,357,005,000 $300,937

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,203 $281,955,000 $234,377 $2,499 3.68%
40-60% 4,756 $1,549,290,000 $325,755 $2,403 3.15%
60-80% 10,106 $3,336,670,000 $330,167 $2,805 3.30%
80-100% 8,526 $2,193,140,000 $257,230 $4,055 3.86%
Over 100% 241 $84,745,000 $351,639 $10,794 4.22%
Under 20% 772 $41,900,000 $54,275 $576 3.52%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Firstbank 101 East Main Street Henderson, TN 38340 Full Service B&M $110,454
Firstbank 11 Channing Way Jackson, TN 38305 Full Service B&M $258,662
Firstbank 1110 Market St, Ste 300 Chattanooga, TN 37402 Full Service B&M $78,681
Firstbank 1111 Northshore Drive Ste P-100 Knoxville, TN 37919 Full Service B&M $39,737
Firstbank 112 North Washington Streets Henderson, TN 38340 Limited, Drive-thru $0
Firstbank 11820 Kingston Pike Farragut, TN 37934 Full Service B&M $23,103
Firstbank 120 W Main Street Linden, TN 37096 Full Service B&M $58,208
Firstbank 123 N Court St Florence, AL 35630 Full Service B&M $0
Firstbank 123 North Court Street Florence, AL 35630 Full Service B&M $41,596
Firstbank 123 Second Avenue North Huntingdon, TN 38344 Limited, Drive-thru $0
Firstbank 1237 North Glenwood Ave Dalton, GA 30721 Full Service B&M $16,098
Firstbank 126 Highway 641 North Camden, TN 38320 Full Service B&M $69,580
Firstbank 1301 Cowart Street Chattanooga, TN 37402 Limited, Drive-thru $0
Firstbank 139 Elmore Road Crossville, TN 38555 Full Service B&M $121,715
Firstbank 15 West University Parkway Jackson, TN 38305 Full Service B&M $33,592
Firstbank 1500 Hillsboro Boulevard Manchester, TN 37355 Full Service B&M $62,523
Firstbank 1515 Campbell Lane Bowling Green, KY 42104 Full Service B&M $19,029
Firstbank 1520 Old Gallatin Road Scottsville, KY 42164 Limited, Drive-thru $0
Firstbank 1525 Market St Dayton, TN 37321 Full Service B&M $51,949
Firstbank 1581 South Highland Avenue Jackson, TN 38301 Full Service B&M $22,604
Firstbank 1595 Veterans Memorial Hwy Scottsville, KY 42164 Full Service B&M $134,100
Firstbank 164 Hospital Drive Lexington, TN 38351 Limited, Drive-thru $0
Firstbank 167 West Broadway Boulevard Jefferson City, TN 37760 Full Service B&M $146,252
Firstbank 1817 West End Avenue Nashville, TN 37203 Full Service B&M $33,442
Firstbank 1927 Wilson Parkway Fayetteville, TN 37334 Full Service B&M $72,867
Firstbank 1959 Northpoint Boulevard Hixson, TN 37343 Full Service B&M $38,422
Firstbank 19685 E Main Street Huntingdon, TN 38344 Full Service B&M $107,818
Firstbank 20 Highway 114 South Scotts Hill, TN 38374 Full Service B&M $50,711
Firstbank 200 West Main St Smithville, TN 37166 Full Service B&M $111,706
Firstbank 20340 East Main Street Huntingdon, TN 38344 Limited, Drive-thru $0
Firstbank 21 North Forrest Avenue Camden, TN 38320 Full Service B&M $46,940
Firstbank 211 Commerce Street, Suite 300 Nashville, TN 37201 Full Service B&M $809,749
Firstbank 2121 Abbott Martin Road Nashville, TN 37215 Full Service B&M $38,221
Firstbank 2200 Decherd Boulevard Decherd, TN 37324 Full Service B&M $33,411
Firstbank 2202 Fairview Boulevard Fairview, TN 37062 Full Service B&M $113,946
Firstbank 2670 New Salem Highway Murfreesboro, TN 37128 Full Service B&M $27,924
Firstbank 28915 Broad Street Hollow Rock, TN 38342 Full Service B&M $28,163
Firstbank 2905 Maynardville Highway Maynardville, TN 37807 Full Service B&M $23,979
Firstbank 319 Manufacturer's Road Chattanooga, TN 37405 Full Service B&M $182,009
Firstbank 3310 Aspen Grove Drive, Suite 100 Franklin, TN 37067 Full Service B&M $66,284
Firstbank 340 West Lincoln Street Tullahoma, TN 37388 Full Service B&M $88,319
Firstbank 345 Highway 46 South Dickson, TN 37055 Full Service B&M $69,703
Firstbank 3610 Battlefield Parkway Fort Oglethorpe, GA 30742 Full Service B&M $117,345
Firstbank 3895 Cleveland Road Dalton, GA 30720 Full Service B&M $24,942
Firstbank 401 South Thornton Avenue Dalton, GA 30720 Full Service B&M $144,688
Firstbank 4110 North Mount Juliet Road, Suite 300 Mount Juliet, TN 37122 Full Service B&M $24,329
Firstbank 416 West Main Street Waverly, TN 37185 Full Service B&M $88,247
Firstbank 417 South Lowry Street Smyrna, TN 37167 Full Service B&M $33,281
Firstbank 4227 Ringgold Road Chattanooga, TN 37412 Full Service B&M $42,427
Firstbank 45 Wildersville Road Wildersville, TN 38388 Limited, Drive-thru $0
Firstbank 450 Tennessee Avenue South Parsons, TN 38363 Full Service B&M $155,268
Firstbank 5029 Harpeth Drive Brentwood, TN 37027 Full Service B&M $15,945
Firstbank 5063 Alabama Highway Ringgold, GA 30736 Full Service B&M $159,861
Firstbank 508 Madison Street Shelbyville, TN 37160 Full Service B&M $75,261
Firstbank 510 Columbia Avenue, Suite 106 Franklin, TN 37064 Full Service B&M $46,361
Firstbank 520 W. Summit Hill Drive, Suite 801 Knoxville, TN 37902 Full Service B&M $360,825
Firstbank 5200 Clinton Highway Knoxville, TN 37912 Full Service B&M $14,298
Firstbank 5290 Scottsville Road Bowling Green, KY 42103 Full Service B&M $58,042
Firstbank 53 East Church Street Lexington, TN 38351 Full Service B&M $161,310
Firstbank 595 East Church Street Lexington, TN 38351 Limited, Drive-thru $0
Firstbank 615 Memorial Boulevard Murfreesboro, TN 37129 Full Service B&M $210,789
Firstbank 6280 Highway 64 Oakland, TN 38060 Full Service B&M $69,931
Firstbank 6482 Poplar Avenue Memphis, TN 38119 Full Service B&M $83,457
Firstbank 650 Main Street Friendship, TN 38034 Full Service B&M $24,611
Firstbank 6815 Poplar Avenue, Suite 100 Germantown, TN 38138 Full Service B&M $7,512
Firstbank 71 Mechanic St. South, P.O.Box 159 Lynchburg, TN 37352 Full Service B&M $44,762
Firstbank 720 Gallatin Street Sw, Suite 150 Huntsville, AL 35801 Full Service B&M $63,291
Firstbank 7442 Shallowford Road Chattanooga, TN 37421 Full Service B&M $68,205
Firstbank 8398 Highway 64 Bartlett, TN 38133 Full Service B&M $22,245
Firstbank 851 South Willow Avenue Cookeville, TN 38501 Full Service B&M $55,888
Firstbank 885 Conference Drive, Suite 100 Goodlettsville, TN 37072 Full Service B&M $78,427
Firstbank 9217 Lee Hwy Ooltewah, TN 37363 Full Service B&M $53,096
Firstbank 948 Fairview Avenue Bowling Green, KY 42103 Full Service B&M $14,769
Firstbank Highway 22 South Clarksburg, TN 38324 Limited, Drive-thru $6,017
Firstbank W Main Street Henderson, TN 38340 Limited, Drive-thru $0
Firstbank 101 W. Main St Woodbury, TN 37190 Full Service B&M $53,034
Firstbank 101 West Church Street Lexington, TN 38351 Full Service B&M $119,859
Firstbank 101 West Wood Street Paris, TN 38242 Full Service B&M $50,264
Firstbank 1013 South Hwy 92 Dandridge, TN 37725 Full Service B&M $30,788
Firstbank 10216 Kingston Pike Knoxville, TN 37922 Full Service B&M $63,753
Firstbank 1068 Mineral Wells Avenue Paris, TN 38242 Full Service B&M $78,706

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $314,619
Net interest income $268,755
Total noninterest income $299,626
Gross Fiduciary activities income $1,275
Service charges on deposit accounts $8,677
Trading account gains and fees $0
Additional Noninterest Income $289,674
Pre-tax net operating income $84,952
Securities gains (or losses, -) $1,414
Income before extraordinary items $66,382
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $66,382
Minority interest net income $8
Net income $66,374
Sale, conversion, retirement of capital stock, net $9,748
Net operating income $65,264

Bank Expenses

Item Value (in 000's)
Total interest expense $45,864
Provision for credit losses $94,606
Total noninterest expense $388,823
Salaries and employee benefits $232,644
Premises and equipment expense $18,633
Additional noninterest expense $137,546
Applicable income taxes $19,984
Net charge-offs $12,302
Cash dividends $48,750

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 1.0%
Personal loans 1.0%
Credit card loans 0.0%
Other individual loans 1.0%
Auto loans 0.0%
Other consumer loans 1.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $9,463,347
Deposits held in domestic offices $9,463,347
Deposits by Individuals, partnerships, and corporations $8,268,314
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $1,181,071
Deposits by Commercial banks and other depository institutions in U.S. $13,962
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,406,583
Demand deposits $619,602
Nontransaction accounts $8,056,764
Money market deposit accounts (MMDAs) $6,266,825
Other savings deposits (excluding MMDAs) $352,685
Total time deposits $1,437,254
Total time and savings deposits $8,843,745
Noninterest-bearing deposits $2,279,413
Interest-bearing deposits $7,183,934
Retail deposits $9,007,761
IRAs and Keogh plan accounts $177,860
Brokered deposits $66,489
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $11,191,562
Cash & Balances due from depository institutions $1,190,901
Interest-bearing balances $1,079,910
Total securities $1,175,818
Federal funds sold & reverse repurchase $121,153
Net loans and leases $7,811,743
Loan and leases loss allowance $170,389
Trading account assets $0
Bank premises and fixed assets $188,872
Other real estate owned $12,111
Goodwill and other intangibles $349,229
All other assets $341,735

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $11,191,562
Total Liabilities $9,816,615
Total deposits $9,463,347
Interest-bearing deposits $7,183,934
Deposits held in domestic offices $9,463,347
% insured (estimated) $48
Federal funds purchased and repurchase agreements $32,199
Trading liabilities $0
Other borrowed funds $1,598
Subordinated debt $98,228
All other liabilities $221,243

Issued Loan Types

Type Value (in 000's)
Net loans and leases $7,811,743
Loan and leases loss allowance $170,389
Total loans and leases (domestic) $7,982,132
All real estate loans $6,102,967
Real estate loans in domestic offices $6,102,967
Construction and development loans $1,222,220
Residential 1-4 family construction $543,583
Other construction, all land development and other land $678,637
Loans secured by nonfarm nonresidential properties $2,485,253
Nonfarm nonresidential secured by owner-occupied properties $886,274
Commercial real estate & other non-farm, non-residential $1,598,979
Multifamily residential real estate $175,676
1-4 family residential loans $2,181,251
Farmland loans $38,567
Loans held in foreign offices $0
Farm loans $20,047
Commercial and industrial loans $1,541,392
To non-U.S. addressees $0
Loans to individuals $256,559
Credit card loans $0
Related Plans $4,449
Consumer Auto Loans $31,477
Other loans to individuals $220,633
All other loans & leases $61,167
Loans to foreign governments and official institutions $0
Other loans $20,802
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $263
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $5,465
Non 1-4 family restructured loans & leases $4,303
Total loans and leases (foreign) $0

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 2,187 $485,965 $222,206
Nonfarm, nonresidential loans - <$100k 584 $23,640 $40,479
Nonfarm, nonresidential loans - $100-250k 691 $84,470 $122,243
Nonfarm, nonresidential loans - $250k-1MM 912 $377,855 $414,315
Commercial & Industrial, US addressed loans - <$1MM 6,217 $427,614 $68,781
Commercial & Industrial, US addressed loans - <$100k 4,417 $106,964 $24,216
Commercial & Industrial, US addressed loans - $100-250k 981 $97,260 $99,144
Commercial & Industrial, US addressed loans - $250k-1MM 819 $223,390 $272,759
Farmland loans - <$1MM 238 $24,552 $103,160
Farmland loans - <$100k 121 $4,131 $34,140
Farmland loans - $100-250k 74 $7,790 $105,270
Farmland loans - $250k-1MM 43 $12,631 $293,744
Agriculture operations loans - <$1MM 356 $16,679 $46,851
Agriculture operations loans - <$100k 290 $6,639 $22,893
Agriculture operations loans - $100-250k 47 $5,068 $107,830
Agriculture operations loans - $250k-1MM 19 $4,972 $261,684