Firstbank Mortgage Rates, Fees & Info

Nashville, TN

LEI: 549300OBO7DOF2KOP535

Tax ID: 62-0198265

5 stars - out of 5 stars, based on 155 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Firstbank is a mid-sized bank specializing in Home Purchase and Refi 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 by origination volume include: Nashville, Huntsville, Birmingham, Atlanta, and Chattanooga among others. We have data for 534 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Firstbank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Firstbank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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

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

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


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.29% 10/3/22
    30 Year Conventional Purchase 6.57% 10/3/22
    30 Year Conventional Refi 6.30% 10/3/22
    30 Year Cash-out Refi 6.48% 10/3/22
    30 Year FHA Purchase 7.41% 10/3/22
    30 Year FHA Refi 7.03% 10/3/22
    30 Year VA Purchase 6.26% 10/3/22
    30 Year VA Refi 6.01% 10/3/22
    30 Year USDA Purchase 6.73% 10/3/22
    30 Year USDA Refi 6.80% 10/3/22
    15 Year Conventional Purchase 8.54% 10/3/22
    15 Year Conventional Refi 6.01% 10/3/22
    15 Year Cash-out Refi 6.01% 10/3/22
    15 Year FHA Purchase 7.10% 10/3/22
    15 Year FHA Refi 7.49% 10/3/22
    15 Year VA Purchase 6.13% 10/3/22
    15 Year VA Refi 5.92% 10/3/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    24,164

    Origination Dollar Volume (All Markets)

    $7,253,510,000

    Employee count

    1,962 Show all (203) awards

    Relative Rate

    Firstbank's average 30 year fixed mortgage rate was 3%.

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

    This yields a difference of -0.15%.

    Relative Fees (Closing Costs)

    Firstbank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,611.

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

    Top Markets

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

    Market Originations Total Value Average Loan Average Fees Average Rate
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 4,264 $1,426,510,000 $334,547 $4,177 3.24%
    HUNTSVILLE, AL (FHA|USDA|VA) 1,335 $393,165,000 $294,506 $4,336 3.02%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1,094 $267,440,000 $244,461 $3,954 3.20%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 773 $245,835,000 $318,027 $2,993 2.96%
    Outside of Metro Areas 1,323 $210,555,000 $159,150 $3,297 4.19%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 858 $200,910,000 $234,161 $3,881 3.31%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 477 $193,195,000 $405,021 $2,263 2.71%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 563 $155,695,000 $276,545 $3,977 3.24%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 406 $138,270,000 $340,567 $2,001 2.79%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 379 $137,515,000 $362,836 $2,710 2.58%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 285 $127,555,000 $447,561 $2,286 2.72%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 265 $107,155,000 $404,358 $1,908 2.62%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 391 $104,725,000 $267,839 $3,859 3.36%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 275 $95,875,000 $348,636 $2,439 2.70%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 277 $91,475,000 $330,235 $2,037 2.74%
    KNOXVILLE, TN (FHA|USDA|VA) 333 $90,545,000 $271,907 $3,919 3.32%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 312 $90,030,000 $288,558 $3,057 3.66%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 243 $87,745,000 $361,091 $2,024 2.67%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 252 $84,060,000 $333,571 $2,018 2.79%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 190 $78,530,000 $413,316 $1,960 2.77%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 232 $71,320,000 $307,414 $3,160 3.01%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 209 $70,945,000 $339,450 $1,752 2.70%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 163 $67,825,000 $416,104 $2,314 2.71%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 190 $67,650,000 $356,053 $3,311 2.58%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 179 $67,115,000 $374,944 $2,179 2.78%
    Albertville, AL (FHA|USDA|VA) 288 $66,090,000 $229,479 $5,305 2.85%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 178 $64,030,000 $359,719 $2,057 2.74%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 152 $63,450,000 $417,434 $2,104 2.65%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 173 $60,645,000 $350,549 $2,406 2.77%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 20 $57,230,000 $2,861,500 $3,076 3.18%
    TUSCALOOSA, AL (FHA|USDA|VA) 232 $55,210,000 $237,974 $5,568 3.54%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 245 $55,085,000 $224,837 $3,082 5.86%
    Cookeville, TN (FHA|USDA|VA) 135 $50,475,000 $373,889 $3,803 3.43%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 128 $49,840,000 $389,375 $1,872 2.62%
    JACKSON, TN (FHA|USDA|VA) 251 $46,555,000 $185,478 $3,248 3.63%
    BOWLING GREEN, KY (FHA|USDA|VA) 167 $44,105,000 $264,102 $3,211 3.49%
    SALT LAKE CITY, UT (FHA|USDA|VA) 120 $43,650,000 $363,750 $1,929 2.75%
    RALEIGH-CARY, NC (FHA|USDA|VA) 130 $43,400,000 $333,846 $1,980 2.63%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 198 $40,980,000 $206,970 $3,554 3.76%
    ROME, GA (FHA|USDA|VA) 181 $37,895,000 $209,365 $5,842 3.14%
    RENO, NV (FHA|USDA|VA) 103 $36,865,000 $357,913 $1,875 2.77%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 112 $34,740,000 $310,179 $1,687 2.73%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 93 $34,505,000 $371,022 $2,708 2.90%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 77 $33,555,000 $435,779 $2,196 2.54%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 105 $33,365,000 $317,762 $2,542 2.86%
    DALTON, GA (FHA|USDA|VA) 171 $30,575,000 $178,801 $3,899 3.17%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 34 $29,140,000 $857,059 $7,296 3.53%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 85 $28,615,000 $336,647 $2,608 3.07%
    Cullman, AL (FHA|USDA|VA) 128 $26,180,000 $204,531 $4,437 3.18%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 117 $24,735,000 $211,410 $4,742 3.46%
    PROVO-OREM, UT (FHA|USDA|VA) 67 $24,545,000 $366,343 $1,973 2.78%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 85 $24,185,000 $284,529 $1,615 2.92%
    Paris, TN (FHA|USDA|VA) 151 $21,325,000 $141,225 $2,853 3.53%
    Shelbyville, TN (FHA|USDA|VA) 102 $20,900,000 $204,902 $4,183 3.40%
    BOISE CITY, ID (FHA|USDA|VA) 56 $20,560,000 $367,143 $3,028 2.80%
    Crossville, TN (FHA|USDA|VA) 123 $20,545,000 $167,033 $3,311 3.53%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 45 $20,445,000 $454,333 $6,453 3.31%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 46 $19,550,000 $425,000 $2,099 2.74%
    COLUMBUS, GA-AL (FHA|USDA|VA) 115 $17,795,000 $154,739 $4,596 2.55%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 54 $17,670,000 $327,222 $1,955 2.66%
    MORRISTOWN, TN (FHA|USDA|VA) 90 $17,390,000 $193,222 $3,949 3.44%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 56 $17,370,000 $310,179 $1,778 2.76%
    Sevierville, TN (FHA|USDA|VA) 39 $17,345,000 $444,744 $5,595 4.05%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 56 $17,210,000 $307,321 $1,841 2.68%
    DOTHAN, AL (FHA|USDA|VA) 97 $16,515,000 $170,258 $4,165 3.46%
    JACKSONVILLE, FL (FHA|USDA|VA) 55 $16,355,000 $297,364 $3,055 3.42%
    COLUMBUS, OH (FHA|USDA|VA) 49 $16,105,000 $328,673 $1,916 2.63%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 53 $15,875,000 $299,528 $1,809 2.65%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 51 $15,855,000 $310,882 $2,024 2.71%
    CLEVELAND, TN (FHA|USDA|VA) 64 $15,830,000 $247,344 $4,560 3.27%
    BOULDER, CO (FHA|USDA|VA) 36 $15,580,000 $432,778 $2,210 2.64%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 47 $15,245,000 $324,362 $1,938 2.83%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 42 $15,230,000 $362,619 $1,951 2.68%
    Lewisburg, TN (FHA|USDA|VA) 68 $14,760,000 $217,059 $3,975 3.04%
    ALBUQUERQUE, NM (FHA|USDA|VA) 46 $14,360,000 $312,174 $2,875 2.76%
    MOBILE, AL (FHA|USDA|VA) 102 $13,930,000 $136,569 $4,098 5.47%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 36 $13,610,000 $378,056 $2,967 2.77%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 35 $13,365,000 $381,857 $2,942 2.57%
    DECATUR, AL (FHA|USDA|VA) 69 $13,235,000 $191,812 $5,024 3.19%
    RICHMOND, VA (FHA|USDA|VA) 40 $13,210,000 $330,250 $1,821 2.68%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 42 $13,190,000 $314,048 $2,140 2.78%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 36 $13,090,000 $363,611 $3,151 2.67%
    FRESNO, CA (FHA|USDA|VA) 42 $12,750,000 $303,571 $2,126 2.79%
    PITTSBURGH, PA (FHA|USDA|VA) 42 $12,530,000 $298,333 $3,442 2.68%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 35 $12,025,000 $343,571 $3,594 2.79%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 32 $11,760,000 $367,500 $1,842 2.71%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 39 $11,625,000 $298,077 $3,039 2.75%
    ANN ARBOR, MI (FHA|USDA|VA) 37 $11,585,000 $313,108 $1,729 2.60%
    VALLEJO, CA (FHA|USDA|VA) 31 $11,565,000 $373,065 $2,053 2.66%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 38 $11,480,000 $302,105 $2,260 2.68%
    TUCSON, AZ (FHA|USDA|VA) 44 $11,090,000 $252,045 $2,117 2.81%
    STOCKTON, CA (FHA|USDA|VA) 29 $11,065,000 $381,552 $2,085 2.77%
    BEND, OR (FHA|USDA|VA) 32 $11,000,000 $343,750 $2,718 2.81%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 31 $10,995,000 $354,677 $2,178 2.61%
    TOLEDO, OH (FHA|USDA|VA) 12 $10,560,000 $880,000 $2,332 2.79%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 28 $9,800,000 $350,000 $2,656 2.81%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 28 $9,740,000 $347,857 $2,537 2.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 41 $9,665,000 $235,732 $3,328 4.53%
    FORT COLLINS, CO (FHA|USDA|VA) 26 $9,580,000 $368,462 $2,071 2.81%
    WICHITA, KS (FHA|USDA|VA) 12 $9,440,000 $786,667 $2,299 3.30%
    Dayton, TN (FHA|USDA|VA) 63 $9,325,000 $148,016 $4,016 3.78%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 30 $9,260,000 $308,667 $2,935 2.89%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 32 $9,190,000 $287,188 $2,242 2.66%
    PANAMA CITY, FL (FHA|USDA|VA) 21 $9,065,000 $431,667 $6,583 3.42%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 28 $8,910,000 $318,214 $1,831 2.75%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 25 $8,885,000 $355,400 $2,310 2.97%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 25 $8,585,000 $343,400 $2,617 2.68%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 23 $8,295,000 $360,652 $2,072 2.79%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 20 $7,950,000 $397,500 $2,000 2.73%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 15 $7,835,000 $522,333 $3,020 2.75%
    MODESTO, CA (FHA|USDA|VA) 25 $7,835,000 $313,400 $2,075 2.90%
    WINSTON-SALEM, NC (FHA|USDA|VA) 17 $7,725,000 $454,412 $1,966 3.15%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 34 $7,710,000 $226,765 $3,528 3.03%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 19 $7,705,000 $405,526 $2,800 2.76%
    Scottsboro, AL (FHA|USDA|VA) 34 $7,510,000 $220,882 $4,185 2.94%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 23 $7,255,000 $315,435 $2,284 2.67%
    GADSDEN, AL (FHA|USDA|VA) 43 $7,195,000 $167,326 $5,284 3.15%
    ASHEVILLE, NC (FHA|USDA|VA) 21 $7,185,000 $342,143 $2,382 2.81%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 22 $6,920,000 $314,545 $3,322 2.63%
    Summerville, GA (FHA|USDA|VA) 41 $6,855,000 $167,195 $5,883 3.09%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 13 $6,835,000 $525,769 $2,627 2.84%
    WORCESTER, MA-CT (FHA|USDA|VA) 18 $6,790,000 $377,222 $2,691 2.60%
    WARNER ROBINS, GA (FHA|USDA|VA) 7 $6,735,000 $962,143 $6,023 5.13%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 28 $6,630,000 $236,786 $4,603 3.68%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 4 $6,620,000 $1,655,000 $2,279 3.09%
    GREENVILLE, NC (FHA|USDA|VA) 4 $6,610,000 $1,652,500 $1,511 4.03%
    ANCHORAGE, AK (FHA|USDA|VA) 18 $6,530,000 $362,778 $2,763 2.87%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 29 $6,505,000 $224,310 $2,213 3.07%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 26 $6,450,000 $248,077 $1,773 3.88%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 20 $6,420,000 $321,000 $1,703 2.78%
    Outside of Metro Areas 18 $6,350,000 $352,778 $2,947 2.80%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 18 $6,330,000 $351,667 $1,768 2.60%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 19 $6,275,000 $330,263 $2,829 2.69%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 17 $6,235,000 $366,765 $2,370 2.33%
    GREELEY, CO (FHA|USDA|VA) 19 $6,165,000 $324,474 $2,210 2.68%
    Morehead City, NC (FHA|USDA|VA) 6 $6,160,000 $1,026,667 $2,495 3.71%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 17 $6,135,000 $360,882 $2,101 2.86%
    ST. GEORGE, UT (FHA|USDA|VA) 17 $6,045,000 $355,588 $1,950 2.59%
    BATON ROUGE, LA (FHA|USDA|VA) 15 $6,015,000 $401,000 $2,831 2.80%
    BELLINGHAM, WA (FHA|USDA|VA) 16 $5,900,000 $368,750 $2,067 2.63%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 13 $5,795,000 $445,769 $2,147 2.70%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 15 $5,695,000 $379,667 $2,487 2.62%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 16 $5,640,000 $352,500 $2,316 2.80%
    SPARTANBURG, SC (FHA|USDA|VA) 11 $5,605,000 $509,545 $1,723 3.49%
    Enterprise, AL (FHA|USDA|VA) 28 $5,320,000 $190,000 $3,354 3.87%
    JACKSON, MS (FHA|USDA|VA) 34 $5,320,000 $156,471 $2,201 5.62%
    Bainbridge, GA (FHA|USDA|VA) 26 $5,290,000 $203,462 $5,981 3.26%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 5 $5,265,000 $1,053,000 $3,312 4.35%
    Heber, UT (FHA|USDA|VA) 10 $5,210,000 $521,000 $1,930 2.45%
    Lawrenceburg, TN (FHA|USDA|VA) 31 $5,165,000 $166,613 $3,888 3.17%
    SALINAS, CA (FHA|USDA|VA) 13 $5,115,000 $393,462 $1,940 2.65%
    MONTGOMERY, AL (FHA|USDA|VA) 31 $5,075,000 $163,710 $3,793 4.04%
    MADISON, WI (FHA|USDA|VA) 13 $4,965,000 $381,923 $2,014 2.77%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $4,905,000 $700,714 $2,692 3.02%
    Bozeman, MT (FHA|USDA|VA) 14 $4,900,000 $350,000 $2,052 2.65%
    Fort Payne, AL (FHA|USDA|VA) 24 $4,850,000 $202,083 $5,201 2.96%
    SANTA FE, NM (FHA|USDA|VA) 12 $4,850,000 $404,167 $4,152 2.82%
    COLUMBIA, MO (FHA|USDA|VA) 6 $4,830,000 $805,000 $1,847 3.46%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 11 $4,735,000 $430,455 $2,315 2.70%
    SALEM, OR (FHA|USDA|VA) 15 $4,725,000 $315,000 $2,797 2.79%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 3 $4,655,000 $1,551,667 $1,849 4.92%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 31 $4,525,000 $145,968 $2,908 5.94%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 13 $4,415,000 $339,615 $2,414 2.84%
    GAINESVILLE, GA (FHA|USDA|VA) 12 $4,040,000 $336,667 $2,656 2.87%
    MEDFORD, OR (FHA|USDA|VA) 12 $3,990,000 $332,500 $2,832 2.86%
    BAKERSFIELD, CA (FHA|USDA|VA) 13 $3,945,000 $303,462 $2,173 2.73%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 11 $3,855,000 $350,455 $2,705 3.05%
    TULSA, OK (FHA|USDA|VA) 19 $3,825,000 $201,316 $3,176 4.28%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 26 $3,810,000 $146,538 $5,295 5.21%
    SPRINGFIELD, MA (FHA|USDA|VA) 13 $3,795,000 $291,923 $1,749 2.77%
    McMinnville, TN (FHA|USDA|VA) 23 $3,785,000 $164,565 $3,747 3.22%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 13 $3,765,000 $289,615 $2,136 2.63%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 13 $3,685,000 $283,462 $2,584 3.08%
    AKRON, OH (FHA|USDA|VA) 15 $3,665,000 $244,333 $2,141 3.07%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 12 $3,660,000 $305,000 $3,422 2.78%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 17 $3,655,000 $215,000 $1,352 4.20%
    MISSOULA, MT (FHA|USDA|VA) 10 $3,530,000 $353,000 $2,420 2.83%
    SALISBURY, MD-DE (FHA|USDA|VA) 11 $3,425,000 $311,364 $2,421 2.82%
    WILMINGTON, NC (FHA|USDA|VA) 11 $3,355,000 $305,000 $2,545 2.75%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 15 $3,325,000 $221,667 $2,672 4.45%
    BRUNSWICK, GA (FHA|USDA|VA) 6 $3,160,000 $526,667 $3,695 4.79%
    Calhoun, GA (FHA|USDA|VA) 17 $3,135,000 $184,412 $4,723 3.20%
    Jasper, AL (FHA|USDA|VA) 17 $3,135,000 $184,412 $5,170 4.21%
    Georgetown, SC (FHA|USDA|VA) 5 $3,075,000 $615,000 $1,438 3.16%
    MERCED, CA (FHA|USDA|VA) 9 $3,055,000 $339,444 $1,815 2.53%
    WENATCHEE, WA (FHA|USDA|VA) 8 $3,030,000 $378,750 $3,204 2.72%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 17 $2,945,000 $173,235 $3,286 4.75%
    JOPLIN, MO (FHA|USDA|VA) 2 $2,860,000 $1,430,000 $0 5.75%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 8 $2,850,000 $356,250 $1,794 2.66%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 9 $2,815,000 $312,778 $2,837 3.00%
    SAVANNAH, GA (FHA|USDA|VA) 11 $2,795,000 $254,091 $2,769 2.86%
    NEW BERN, NC (FHA|USDA|VA) 1 $2,775,000 $2,775,000 $0 4.75%
    WINCHESTER, VA-WV (FHA|USDA|VA) 8 $2,710,000 $338,750 $1,460 2.73%
    LANCASTER, PA (FHA|USDA|VA) 9 $2,625,000 $291,667 $3,052 2.63%
    HATTIESBURG, MS (FHA|USDA|VA) 19 $2,605,000 $137,105 $6,315 6.47%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $2,510,000 $313,750 $3,241 2.44%
    Ellensburg, WA (FHA|USDA|VA) 7 $2,505,000 $357,857 $2,622 2.73%
    LAFAYETTE, LA (FHA|USDA|VA) 9 $2,455,000 $272,778 $2,667 2.86%
    CHICO, CA (FHA|USDA|VA) 8 $2,420,000 $302,500 $2,122 2.97%
    FORT WAYNE, IN (FHA|USDA|VA) 8 $2,400,000 $300,000 $3,909 2.62%
    ROANOKE, VA (FHA|USDA|VA) 9 $2,395,000 $266,111 $2,257 3.01%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 6 $2,340,000 $390,000 $4,877 2.58%
    REDDING, CA (FHA|USDA|VA) 6 $2,330,000 $388,333 $2,258 2.79%
    COLUMBIA, SC (FHA|USDA|VA) 9 $2,325,000 $258,333 $1,834 3.46%
    LAWRENCE, KS (FHA|USDA|VA) 3 $2,225,000 $741,667 $1,501 4.54%
    GREEN BAY, WI (FHA|USDA|VA) 8 $2,190,000 $273,750 $1,510 2.70%
    Fernley, NV (FHA|USDA|VA) 7 $2,125,000 $303,571 $2,720 2.91%
    CARSON CITY, NV (FHA|USDA|VA) 7 $2,095,000 $299,286 $1,848 2.80%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 6 $2,060,000 $343,333 $1,607 2.58%
    CORVALLIS, OR (FHA|USDA|VA) 6 $2,050,000 $341,667 $2,105 2.60%
    Oak Harbor, WA (FHA|USDA|VA) 6 $2,040,000 $340,000 $1,860 2.73%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 6 $1,990,000 $331,667 $3,500 3.75%
    LONGVIEW, WA (FHA|USDA|VA) 6 $1,990,000 $331,667 $1,662 2.83%
    ROCHESTER, MN (FHA|USDA|VA) 7 $1,985,000 $283,571 $1,654 2.52%
    Cedartown, GA (FHA|USDA|VA) 7 $1,985,000 $283,571 $8,881 2.88%
    BILLINGS, MT (FHA|USDA|VA) 6 $1,970,000 $328,333 $3,130 2.83%
    THE VILLAGES, FL (FHA|USDA|VA) 6 $1,960,000 $326,667 $3,042 2.83%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 7 $1,955,000 $279,286 $2,270 2.78%
    FLAGSTAFF, AZ (FHA|USDA|VA) 6 $1,900,000 $316,667 $2,448 2.77%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 6 $1,860,000 $310,000 $1,393 2.37%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 8 $1,830,000 $228,750 $2,716 2.76%
    DOVER, DE (FHA|USDA|VA) 7 $1,825,000 $260,714 $2,529 2.82%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 6 $1,750,000 $291,667 $1,901 2.83%
    IDAHO FALLS, ID (FHA|USDA|VA) 6 $1,750,000 $291,667 $2,996 2.67%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $1,730,000 $288,333 $1,999 2.62%
    VISALIA, CA (FHA|USDA|VA) 7 $1,705,000 $243,571 $1,656 2.95%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 5 $1,695,000 $339,000 $3,148 2.77%
    Roseburg, OR (FHA|USDA|VA) 5 $1,675,000 $335,000 $2,838 2.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,665,000 $237,857 $2,347 2.94%
    Starkville, MS (FHA|USDA|VA) 18 $1,660,000 $92,222 $1,471 7.29%
    YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,650,000 $275,000 $3,736 2.83%
    READING, PA (FHA|USDA|VA) 5 $1,625,000 $325,000 $3,077 2.70%
    YAKIMA, WA (FHA|USDA|VA) 5 $1,605,000 $321,000 $2,276 2.85%
    BURLINGTON, NC (FHA|USDA|VA) 5 $1,595,000 $319,000 $2,265 2.77%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $1,585,000 $528,333 $2,743 3.04%
    Sandpoint, ID (FHA|USDA|VA) 4 $1,570,000 $392,500 $3,536 2.87%
    Ozark, AL (FHA|USDA|VA) 9 $1,545,000 $171,667 $4,474 3.69%
    Murray, KY (FHA|USDA|VA) 6 $1,530,000 $255,000 $3,134 3.23%
    Kalispell, MT (FHA|USDA|VA) 4 $1,510,000 $377,500 $3,068 2.97%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 11 $1,465,000 $133,182 $5,400 5.06%
    Brainerd, MN (FHA|USDA|VA) 4 $1,460,000 $365,000 $1,697 2.78%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 6 $1,440,000 $240,000 $2,026 3.04%
    TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,430,000 $238,333 $1,908 3.83%
    Red Bluff, CA (FHA|USDA|VA) 4 $1,400,000 $350,000 $2,321 2.65%
    EL CENTRO, CA (FHA|USDA|VA) 4 $1,390,000 $347,500 $2,201 2.72%
    Port Angeles, WA (FHA|USDA|VA) 5 $1,385,000 $277,000 $2,014 2.73%
    CHEYENNE, WY (FHA|USDA|VA) 4 $1,350,000 $337,500 $4,628 2.84%
    Edwards, CO (FHA|USDA|VA) 3 $1,345,000 $448,333 $2,686 2.83%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 6 $1,340,000 $223,333 $1,983 3.21%
    LEBANON, PA (FHA|USDA|VA) 4 $1,290,000 $322,500 $3,337 2.69%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 4 $1,250,000 $312,500 $3,257 2.97%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 6 $1,250,000 $208,333 $1,944 4.08%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 6 $1,220,000 $203,333 $2,472 3.59%
    Alexander City, AL (FHA|USDA|VA) 4 $1,220,000 $305,000 $2,663 4.62%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $1,215,000 $243,000 $2,886 2.77%
    Blackfoot, ID (FHA|USDA|VA) 3 $1,215,000 $405,000 $3,757 2.92%
    OCEAN CITY, NJ (FHA|USDA|VA) 4 $1,210,000 $302,500 $2,245 2.81%
    Shelton, WA (FHA|USDA|VA) 3 $1,195,000 $398,333 $1,908 2.75%
    RACINE, WI (FHA|USDA|VA) 4 $1,170,000 $292,500 $2,951 2.53%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $1,150,000 $287,500 $3,381 2.90%
    Helena, MT (FHA|USDA|VA) 4 $1,150,000 $287,500 $2,174 2.69%
    Seneca, SC (FHA|USDA|VA) 4 $1,140,000 $285,000 $1,777 2.75%
    APPLETON, WI (FHA|USDA|VA) 4 $1,130,000 $282,500 $2,184 2.78%
    Vineyard Haven, MA (FHA|USDA|VA) 2 $1,120,000 $560,000 $3,925 2.81%
    LOGAN, UT-ID (FHA|USDA|VA) 4 $1,120,000 $280,000 $1,796 2.81%
    FARGO, ND-MN (FHA|USDA|VA) 4 $1,120,000 $280,000 $1,474 3.00%
    FAYETTEVILLE, NC (FHA|USDA|VA) 7 $1,115,000 $159,286 $3,064 3.05%
    Brookings, OR (FHA|USDA|VA) 3 $1,115,000 $371,667 $3,901 2.67%
    Key West, FL (FHA|USDA|VA) 2 $1,110,000 $555,000 $4,753 3.19%
    Cedar City, UT (FHA|USDA|VA) 4 $1,100,000 $275,000 $1,418 2.62%
    Athens, TN (FHA|USDA|VA) 8 $1,080,000 $135,000 $2,856 3.29%
    OCALA, FL (FHA|USDA|VA) 5 $1,075,000 $215,000 $2,438 3.75%
    Torrington, CT (FHA|USDA|VA) 3 $1,075,000 $358,333 $2,501 2.50%
    Rock Springs, WY (FHA|USDA|VA) 3 $1,075,000 $358,333 $5,607 2.96%
    Breckenridge, CO (FHA|USDA|VA) 2 $1,070,000 $535,000 $2,254 3.35%
    Jefferson, GA (FHA|USDA|VA) 4 $1,070,000 $267,500 $1,649 2.84%
    GAINESVILLE, FL (FHA|USDA|VA) 8 $1,060,000 $132,500 $3,329 6.58%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $1,055,000 $351,667 $3,017 2.87%
    MADERA, CA (FHA|USDA|VA) 3 $1,055,000 $351,667 $1,741 2.63%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $1,050,000 $262,500 $3,228 3.06%
    Jackson, WY-ID (FHA|USDA|VA) 2 $1,020,000 $510,000 $3,020 2.75%
    Martin, TN (FHA|USDA|VA) 8 $1,020,000 $127,500 $2,555 3.66%
    Selma, AL (FHA|USDA|VA) 9 $1,015,000 $112,778 $3,702 5.27%
    Pullman, WA (FHA|USDA|VA) 3 $1,015,000 $338,333 $2,191 3.12%
    Fallon, NV (FHA|USDA|VA) 3 $1,005,000 $335,000 $1,937 2.67%
    Boone, NC (FHA|USDA|VA) 3 $1,005,000 $335,000 $2,150 3.16%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,027 2.83%
    Stephenville, TX (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 6.25%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $995,000 $331,667 $2,344 2.46%
    NAPA, CA (FHA|USDA|VA) 2 $960,000 $480,000 $3,960 2.31%
    Juneau, AK (FHA|USDA|VA) 3 $935,000 $311,667 $3,884 2.63%
    LUBBOCK, TX (FHA|USDA|VA) 2 $920,000 $460,000 $3,551 2.56%
    London, KY (FHA|USDA|VA) 12 $920,000 $76,667 $2,858 7.77%
    FLINT, MI (FHA|USDA|VA) 3 $915,000 $305,000 $1,815 2.74%
    Steamboat Springs, CO (FHA|USDA|VA) 2 $910,000 $455,000 $1,819 3.44%
    Newport, OR (FHA|USDA|VA) 3 $905,000 $301,667 $3,364 2.83%
    MORGANTOWN, WV (FHA|USDA|VA) 3 $905,000 $301,667 $2,240 2.63%
    Manitowoc, WI (FHA|USDA|VA) 4 $890,000 $222,500 $1,741 3.31%
    MONROE, MI (FHA|USDA|VA) 3 $885,000 $295,000 $1,900 2.46%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $885,000 $177,000 $5,159 5.57%
    YUMA, AZ (FHA|USDA|VA) 4 $870,000 $217,500 $1,458 2.84%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $870,000 $435,000 $5,262 3.00%
    Prineville, OR (FHA|USDA|VA) 3 $865,000 $288,333 $2,410 3.08%
    Show Low, AZ (FHA|USDA|VA) 3 $865,000 $288,333 $5,433 2.63%
    TWIN FALLS, ID (FHA|USDA|VA) 3 $865,000 $288,333 $2,621 2.92%
    Thomasville, GA (FHA|USDA|VA) 4 $850,000 $212,500 $1,809 3.59%
    NILES, MI (FHA|USDA|VA) 3 $835,000 $278,333 $1,695 4.59%
    Winnemucca, NV (FHA|USDA|VA) 2 $820,000 $410,000 $1,986 2.56%
    Glasgow, KY (FHA|USDA|VA) 7 $815,000 $116,429 $2,821 3.45%
    Sonora, CA (FHA|USDA|VA) 2 $810,000 $405,000 $2,510 2.87%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $800,000 $400,000 $1,819 2.69%
    TOPEKA, KS (FHA|USDA|VA) 2 $780,000 $390,000 $2,366 3.19%
    POCATELLO, ID (FHA|USDA|VA) 2 $770,000 $385,000 $4,719 2.75%
    Cullowhee, NC (FHA|USDA|VA) 3 $765,000 $255,000 $1,655 2.91%
    PEORIA, IL (FHA|USDA|VA) 4 $760,000 $190,000 $1,484 4.82%
    West Point, MS (FHA|USDA|VA) 10 $760,000 $76,000 $0 7.49%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $750,000 $375,000 $2,481 2.81%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $740,000 $370,000 $2,750 3.00%
    OWENSBORO, KY (FHA|USDA|VA) 4 $740,000 $185,000 $2,800 3.84%
    SIOUX FALLS, SD (FHA|USDA|VA) 3 $735,000 $245,000 $4,360 2.58%
    Eureka-Arcata, CA (FHA|USDA|VA) 2 $730,000 $365,000 $2,136 2.69%
    RAPID CITY, SD (FHA|USDA|VA) 2 $730,000 $365,000 $2,077 2.81%
    LAS CRUCES, NM (FHA|USDA|VA) 3 $715,000 $238,333 $3,343 2.50%
    LINCOLN, NE (FHA|USDA|VA) 3 $705,000 $235,000 $1,403 2.79%
    Klamath Falls, OR (FHA|USDA|VA) 2 $700,000 $350,000 $8,220 2.75%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $690,000 $172,500 $2,195 5.83%
    JOHNSON CITY, TN (FHA|USDA|VA) 3 $655,000 $218,333 $3,541 3.25%
    Roanoke Rapids, NC (FHA|USDA|VA) 2 $650,000 $325,000 $2,543 3.06%
    AMES, IA (FHA|USDA|VA) 2 $650,000 $325,000 $3,461 2.44%
    TYLER, TX (FHA|USDA|VA) 5 $645,000 $129,000 $3,710 6.29%
    LaGrange, GA-AL (FHA|USDA|VA) 4 $640,000 $160,000 $4,606 2.96%
    SYRACUSE, NY (FHA|USDA|VA) 3 $635,000 $211,667 $2,785 2.63%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 3 $625,000 $208,333 $2,041 2.54%
    HINESVILLE, GA (FHA|USDA|VA) 4 $620,000 $155,000 $6,149 4.34%
    Greeneville, TN (FHA|USDA|VA) 4 $620,000 $155,000 $5,441 3.94%
    Burley, ID (FHA|USDA|VA) 2 $610,000 $305,000 $2,512 2.63%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $610,000 $305,000 $3,667 2.63%
    Brevard, NC (FHA|USDA|VA) 2 $610,000 $305,000 $3,237 2.81%
    Hutchinson, MN (FHA|USDA|VA) 2 $600,000 $300,000 $1,894 3.12%
    Meridian, MS (FHA|USDA|VA) 6 $590,000 $98,333 $4,613 7.38%
    Findlay, OH (FHA|USDA|VA) 2 $590,000 $295,000 $2,029 3.00%
    Oxford, MS (FHA|USDA|VA) 3 $585,000 $195,000 $2,478 4.91%
    Coos Bay, OR (FHA|USDA|VA) 2 $580,000 $290,000 $2,339 2.75%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $580,000 $290,000 $2,081 2.81%
    FLORENCE, SC (FHA|USDA|VA) 2 $580,000 $290,000 $7,079 2.88%
    Kapaa, HI (FHA|USDA|VA) 1 $575,000 $575,000 $2,744 2.88%
    Tupelo, MS (FHA|USDA|VA) 9 $565,000 $62,778 $0 8.26%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $565,000 $188,333 $1,682 3.29%
    Aberdeen, WA (FHA|USDA|VA) 2 $560,000 $280,000 $1,957 2.44%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $560,000 $280,000 $2,228 2.87%
    Warsaw, IN (FHA|USDA|VA) 2 $560,000 $280,000 $1,586 3.00%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $560,000 $280,000 $3,576 2.75%
    EL PASO, TX (FHA|USDA|VA) 3 $555,000 $185,000 $3,030 2.91%
    Kill Devil Hills, NC (FHA|USDA|VA) 2 $550,000 $275,000 $3,973 2.93%
    Sturgis, MI (FHA|USDA|VA) 1 $545,000 $545,000 $2,635 2.88%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $540,000 $270,000 $2,591 2.93%
    MANHATTAN, KS (FHA|USDA|VA) 2 $540,000 $270,000 $1,948 2.87%
    MIDLAND, MI (FHA|USDA|VA) 1 $535,000 $535,000 $2,166 2.00%
    Cornelia, GA (FHA|USDA|VA) 1 $535,000 $535,000 $4,340 2.75%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $530,000 $265,000 $1,924 2.81%
    Dyersburg, TN (FHA|USDA|VA) 4 $520,000 $130,000 $2,800 2.87%
    DECATUR, IL (FHA|USDA|VA) 1 $515,000 $515,000 $1,599 2.25%
    MANKATO, MN (FHA|USDA|VA) 2 $510,000 $255,000 $1,375 2.62%
    Durango, CO (FHA|USDA|VA) 1 $505,000 $505,000 $3,375 2.75%
    Laconia, NH (FHA|USDA|VA) 1 $505,000 $505,000 $1,839 2.75%
    Eufaula, AL-GA (FHA|USDA|VA) 4 $500,000 $125,000 $4,786 3.63%
    Holland, MI (FHA|USDA|VA) 1 $495,000 $495,000 $2,906 2.88%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $495,000 $495,000 $4,649 2.75%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $495,000 $495,000 $8,235 2.38%
    Newberry, SC (FHA|USDA|VA) 1 $495,000 $495,000 $1,579 2.75%
    LEWISTON, ID-WA (FHA|USDA|VA) 2 $480,000 $240,000 $2,570 2.87%
    Grenada, MS (FHA|USDA|VA) 3 $475,000 $158,333 $5,348 4.91%
    COLUMBUS, IN (FHA|USDA|VA) 4 $460,000 $115,000 $1,574 5.83%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $455,000 $455,000 $1,606 2.88%
    VALDOSTA, GA (FHA|USDA|VA) 4 $440,000 $110,000 $3,074 5.56%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $440,000 $220,000 $2,364 4.12%
    Pahrump, NV (FHA|USDA|VA) 2 $440,000 $220,000 $2,063 2.75%
    Mason City, IA (FHA|USDA|VA) 1 $435,000 $435,000 $2,706 2.13%
    Troy, AL (FHA|USDA|VA) 4 $420,000 $105,000 $3,214 3.56%
    ROCHESTER, NY (FHA|USDA|VA) 1 $415,000 $415,000 $3,219 2.00%
    Marion, NC (FHA|USDA|VA) 1 $415,000 $415,000 $2,251 2.63%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $405,000 $405,000 $2,784 2.38%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $400,000 $200,000 $1,612 3.25%
    Ardmore, OK (FHA|USDA|VA) 1 $395,000 $395,000 $3,134 2.50%
    STAUNTON, VA (FHA|USDA|VA) 2 $390,000 $195,000 $1,323 2.99%
    Centralia, WA (FHA|USDA|VA) 1 $385,000 $385,000 $2,353 2.25%
    Kerrville, TX (FHA|USDA|VA) 2 $380,000 $190,000 $880 3.38%
    HOT SPRINGS, AR (FHA|USDA|VA) 2 $380,000 $190,000 $2,143 3.13%
    Hood River, OR (FHA|USDA|VA) 1 $375,000 $375,000 $1,889 2.00%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $375,000 $375,000 $1,459 2.13%
    Rutland, VT (FHA|USDA|VA) 2 $370,000 $185,000 $3,254 2.88%
    Ukiah, CA (FHA|USDA|VA) 1 $365,000 $365,000 $2,166 2.88%
    Clarksburg, WV (FHA|USDA|VA) 1 $365,000 $365,000 $3,198 2.25%
    Elko, NV (FHA|USDA|VA) 1 $365,000 $365,000 $1,549 2.75%
    Branson, MO (FHA|USDA|VA) 2 $360,000 $180,000 $5,329 3.00%
    Columbus, MS (FHA|USDA|VA) 2 $360,000 $180,000 $2,200 4.95%
    IOWA CITY, IA (FHA|USDA|VA) 2 $360,000 $180,000 $1,358 2.56%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $355,000 $355,000 $1,066 2.88%
    Fort Morgan, CO (FHA|USDA|VA) 1 $355,000 $355,000 $1,474 2.13%
    JACKSON, MI (FHA|USDA|VA) 1 $355,000 $355,000 $1,214 2.38%
    Danville, KY (FHA|USDA|VA) 2 $350,000 $175,000 $3,499 5.81%
    Montrose, CO (FHA|USDA|VA) 1 $345,000 $345,000 $1,841 2.99%
    Union City, TN (FHA|USDA|VA) 2 $340,000 $170,000 $5,718 3.50%
    YUBA CITY, CA (FHA|USDA|VA) 1 $335,000 $335,000 $1,852 2.75%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $335,000 $335,000 $1,831 2.75%
    Brookhaven, MS (FHA|USDA|VA) 5 $335,000 $67,000 $4,256 8.29%
    Shelby, NC (FHA|USDA|VA) 1 $335,000 $335,000 $2,600 2.75%
    GLENS FALLS, NY (FHA|USDA|VA) 1 $335,000 $335,000 $2,443 2.75%
    Atmore, AL (FHA|USDA|VA) 6 $330,000 $55,000 $0 8.25%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $325,000 $325,000 $2,414 2.50%
    Silver City, NM (FHA|USDA|VA) 1 $325,000 $325,000 $2,827 2.75%
    Forest City, NC (FHA|USDA|VA) 1 $315,000 $315,000 $1,598 3.13%
    Sheridan, WY (FHA|USDA|VA) 1 $315,000 $315,000 $3,274 2.25%
    BISMARCK, ND (FHA|USDA|VA) 1 $315,000 $315,000 $2,572 2.99%
    Baraboo, WI (FHA|USDA|VA) 1 $315,000 $315,000 $1,466 2.75%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $315,000 $315,000 $3,245 2.88%
    Paducah, KY-IL (FHA|USDA|VA) 3 $315,000 $105,000 $5,733 5.79%
    Granbury, TX (FHA|USDA|VA) 1 $305,000 $305,000 $5,373 3.13%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $305,000 $305,000 $1,251 2.88%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $305,000 $305,000 $2,534 2.75%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $305,000 $305,000 $2,293 3.13%
    ERIE, PA (FHA|USDA|VA) 1 $305,000 $305,000 $3,406 2.88%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $300,000 $150,000 $1,424 2.88%
    Susanville, CA (FHA|USDA|VA) 1 $295,000 $295,000 $3,730 2.88%
    Americus, GA (FHA|USDA|VA) 3 $295,000 $98,333 $2,477 4.96%
    Brownsville, TN (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.07%
    Farmington, MO (FHA|USDA|VA) 1 $285,000 $285,000 $13,344 2.50%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,194 2.63%
    FARMINGTON, NM (FHA|USDA|VA) 1 $285,000 $285,000 $1,971 2.13%
    Clewiston, FL (FHA|USDA|VA) 1 $285,000 $285,000 $2,231 3.13%
    Fitzgerald, GA (FHA|USDA|VA) 2 $280,000 $140,000 $6,834 6.00%
    CASPER, WY (FHA|USDA|VA) 2 $280,000 $140,000 $2,698 2.94%
    Payson, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $2,575 2.99%
    Wapakoneta, OH (FHA|USDA|VA) 1 $275,000 $275,000 $1,576 2.75%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $275,000 $275,000 $1,541 2.75%
    Athens, TX (FHA|USDA|VA) 2 $270,000 $135,000 $2,940 5.07%
    Greenwood, MS (FHA|USDA|VA) 5 $265,000 $53,000 $0 8.39%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $265,000 $265,000 $3,161 2.99%
    Bartlesville, OK (FHA|USDA|VA) 1 $265,000 $265,000 $2,764 3.00%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,398 2.88%
    Laurel, MS (FHA|USDA|VA) 6 $260,000 $43,333 $0 8.59%
    HARRISONBURG, VA (FHA|USDA|VA) 1 $255,000 $255,000 $966 2.75%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $255,000 $255,000 $1,339 2.88%
    MONROE, LA (FHA|USDA|VA) 1 $255,000 $255,000 $2,210 2.99%
    Fairmont, WV (FHA|USDA|VA) 1 $255,000 $255,000 $2,134 2.75%
    Batesville, AR (FHA|USDA|VA) 1 $255,000 $255,000 $2,931 3.75%
    Los Alamos, NM (FHA|USDA|VA) 1 $255,000 $255,000 $2,295 2.88%
    McComb, MS (FHA|USDA|VA) 2 $250,000 $125,000 $2,840 5.50%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $245,000 $245,000 $2,931 3.00%
    CHARLESTON, WV (FHA|USDA|VA) 1 $245,000 $245,000 $3,279 3.13%
    Shawnee, OK (FHA|USDA|VA) 1 $245,000 $245,000 $3,071 3.13%
    LAREDO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $2,012 2.25%
    Moses Lake, WA (FHA|USDA|VA) 2 $240,000 $120,000 $2,020 3.00%
    Statesboro, GA (FHA|USDA|VA) 2 $240,000 $120,000 $3,246 6.12%
    Ashland, OH (FHA|USDA|VA) 1 $235,000 $235,000 $1,821 2.50%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $235,000 $235,000 $2,182 2.50%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $235,000 $235,000 $3,122 3.00%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $235,000 $235,000 $1,396 2.38%
    Vidalia, GA (FHA|USDA|VA) 1 $235,000 $235,000 $3,982 4.25%
    AMARILLO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $1,469 2.25%
    Richmond-Berea, KY (FHA|USDA|VA) 2 $230,000 $115,000 $6,041 5.62%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $225,000 $225,000 $1,280 2.88%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $225,000 $225,000 $1,446 2.25%
    Auburn, IN (FHA|USDA|VA) 1 $225,000 $225,000 $971 2.88%
    Tiffin, OH (FHA|USDA|VA) 1 $225,000 $225,000 $1,826 2.38%
    Salem, OH (FHA|USDA|VA) 1 $215,000 $215,000 $1,721 2.88%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $215,000 $215,000 $1,806 2.88%
    North Platte, NE (FHA|USDA|VA) 1 $215,000 $215,000 $995 2.50%
    Brookings, SD (FHA|USDA|VA) 1 $215,000 $215,000 $1,863 2.88%
    Whitewater, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,214 2.99%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $205,000 $205,000 $2,411 3.25%
    Middlesborough, KY (FHA|USDA|VA) 4 $200,000 $50,000 $4,552 8.68%
    Mount Airy, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,222 3.38%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $195,000 $195,000 $2,275 3.25%
    Douglas, GA (FHA|USDA|VA) 3 $195,000 $65,000 $4,208 6.58%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $195,000 $195,000 $2,093 2.88%
    Vernal, UT (FHA|USDA|VA) 1 $195,000 $195,000 $2,483 2.75%
    Rochelle, IL (FHA|USDA|VA) 1 $195,000 $195,000 $1,722 2.88%
    ALBANY, GA (FHA|USDA|VA) 3 $195,000 $65,000 $0 8.57%
    MIDLAND, TX (FHA|USDA|VA) 3 $195,000 $65,000 $0 8.51%
    Picayune, MS (FHA|USDA|VA) 2 $190,000 $95,000 $0 6.92%
    Cordele, GA (FHA|USDA|VA) 1 $185,000 $185,000 $932 2.13%
    Astoria, OR (FHA|USDA|VA) 1 $185,000 $185,000 $1,451 2.50%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $185,000 $185,000 $7,145 2.88%
    Tifton, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,503 2.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $175,000 $175,000 $2,160 2.88%
    HAMMOND, LA (FHA|USDA|VA) 1 $165,000 $165,000 $3,604 2.88%
    North Vernon, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,251 3.38%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $165,000 $165,000 $1,535 2.63%
    BECKLEY, WV (FHA|USDA|VA) 1 $165,000 $165,000 $2,552 2.75%
    Hailey, ID (FHA|USDA|VA) 1 $165,000 $165,000 $4,069 2.50%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $160,000 $80,000 $0 8.25%
    Vicksburg, MS (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.99%
    Waycross, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.99%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $155,000 $51,667 $0 7.66%
    Malvern, AR (FHA|USDA|VA) 1 $155,000 $155,000 $1,964 3.25%
    Laurinburg, NC (FHA|USDA|VA) 1 $145,000 $145,000 $1,631 3.75%
    Mount Sterling, KY (FHA|USDA|VA) 1 $135,000 $135,000 $4,870 3.63%
    Russellville, AR (FHA|USDA|VA) 1 $135,000 $135,000 $1,928 2.75%
    Natchez, MS-LA (FHA|USDA|VA) 2 $130,000 $65,000 $0 8.99%
    Greenville, MS (FHA|USDA|VA) 2 $130,000 $65,000 $3,818 8.99%
    Jesup, GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,723 2.88%
    Pecos, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.34%
    ODESSA, TX (FHA|USDA|VA) 2 $110,000 $55,000 $0 7.99%
    ROCKFORD, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.63%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.63%
    Palatka, FL (FHA|USDA|VA) 1 $85,000 $85,000 $4,649 8.24%
    Ponca City, OK (FHA|USDA|VA) 1 $85,000 $85,000 $2,784 3.38%
    Beeville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.49%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,151 2.75%
    LONGVIEW, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.49%
    Brenham, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.74%
    Camden, AR (FHA|USDA|VA) 1 $75,000 $75,000 $2,876 2.75%
    Lake City, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.74%
    SUMTER, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.50%
    Dublin, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.99%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $70,000 $35,000 $0 7.90%
    Mayfield, KY (FHA|USDA|VA) 1 $65,000 $65,000 $3,392 2.75%
    Andrews, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.49%
    Cleveland, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.14%
    ABILENE, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.49%
    Clarksdale, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.99%
    Central City, KY (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.99%
    Indiana, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,527 3.50%
    Corinth, MS (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.49%
    Nacogdoches, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.74%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $45,000 $45,000 $2,862 2.99%
    Toccoa, GA (FHA|USDA|VA) 1 $45,000 $45,000 $3,287 7.49%
    SAGINAW, MI (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.90%
    Madisonville, KY (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.99%
    MUSKEGON, MI (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.90%
    Huntsville, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 9.90%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $15,000 $15,000 $0 9.90%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $15,000 $15,000 $0 9.90%

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 20,340 $6,360,040,000 $312,686 $2,914 3.18%
    HELOC 1,524 $289,830,000 $190,177 n/a 4.13%
    FHA 1,059 $231,215,000 $218,333 $7,352 3.02%
    VA 873 $308,215,000 $353,053 $5,581 2.69%
    USDA 368 $64,210,000 $174,484 $5,263 2.84%

    For 2021, Firstbank's most frequently originated type of loan was Conventional, with 20,340 originations. Their 2nd most popular type was HELOC, with 1,524 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 9,265 $2,604,275,000 $281,087 $4,407 3.60%
    Refi 9,061 $3,004,575,000 $331,594 $2,452 2.78%
    Cash Out Refi 4,306 $1,392,100,000 $323,293 $3,134 2.96%
    Other 1,493 $245,385,000 $164,357 $1,173 4.10%
    Home Improvement 39 $7,175,000 $183,974 $1,511 4.45%

    For 2021, Firstbank's most frequently cited loan purpose was Home Purchase, with 9,265 originations. The 2nd most popular reason was Refi, with 9,061 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 15,894 $5,106,510,000 $321,285 $3,611 3.00%
    15 Year 3,414 $956,410,000 $280,144 $2,409 2.51%
    10 Year 1,879 $371,445,000 $197,682 $1,449 4.02%
    Other 1,310 $228,910,000 $174,740 $2,776 6.22%
    20 Year 914 $262,640,000 $287,352 $2,481 3.02%
    5 Year 571 $236,415,000 $414,037 $1,746 3.43%
    1 Year 155 $55,795,000 $359,968 $1,288 4.40%
    3 Year 27 $35,385,000 $1,310,556 $2,482 4.95%

    For 2021, Firstbank's most frequently cited loan duration was 30 Year, with 15,894 originations. The 2nd most popular length was 15 Year, with 3,414 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 13,030 $4,210,000,000 $323,101
    $1k-2k 4,452 $1,261,620,000 $283,383
    $2k-3k 1,274 $324,890,000 $255,016
    $3k-4k 581 $179,735,000 $309,355
    $5k+ 303 $157,355,000 $519,323
    $4k-5k 240 $81,980,000 $341,583

    Firstbank's average total fees were $3,611, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 13,030 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 11,331 $3,666,035,000 $323,540
    3-4% 6,331 $1,904,695,000 $300,852
    <2.5% 3,980 $1,252,710,000 $314,751
    4-5% 1,430 $316,370,000 $221,238
    Over 8% 451 $29,585,000 $65,599
    7-8% 261 $14,975,000 $57,375
    5-6% 222 $21,120,000 $95,135
    6-7% 157 $47,685,000 $303,726

    During 2021, Firstbank's average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 11,331 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 11,741 $3,447,395,000 $293,620 $3,179 2.90%
    $100k-200k 4,573 $700,595,000 $153,202 $3,483 3.32%
    $400k-600k 4,391 $2,080,025,000 $473,702 $3,373 2.82%
    $100,000 or less 2,733 $150,765,000 $55,165 $2,132 4.94%
    $600k-1MM 500 $365,590,000 $731,180 $5,736 3.15%
    $1MM+ 226 $509,140,000 $2,252,832 $8,062 3.69%

    2021 saw Firstbank place emphasis on $200k-400k loans with 11,741 originations, totaling $3,447,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 5,905 $1,884,145,000 $319,076 $3,084 2.97%
    $150k-250k 4,610 $1,730,310,000 $375,338 $3,084 2.89%
    $50k-75k 4,036 $842,630,000 $208,778 $3,624 3.37%
    $75k-100k 3,835 $1,036,825,000 $270,359 $3,318 3.11%
    $50k or less 3,169 $405,235,000 $127,875 $3,585 4.04%
    $250k+ 1,831 $853,985,000 $466,404 $3,728 3.09%

    Firstbank lent most frequently to those with incomes in the $100k-150k range, with 5,905 originations. The second most popular income band? $150k-250k, with 4,610 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 6,129 $1,802,105,000 $294,029 $2,986 3.08%
    30-36% 4,500 $1,321,910,000 $293,758 $3,316 3.19%
    <20% 2,762 $762,130,000 $275,934 $2,801 3.15%
    42% 933 $267,665,000 $286,886 $3,616 3.38%
    39% 835 $225,505,000 $270,066 $3,518 3.41%
    36% 824 $235,710,000 $286,056 $3,395 3.34%
    41% 811 $228,995,000 $282,361 $3,545 3.49%
    38% 810 $231,990,000 $286,407 $3,380 3.28%
    40% 802 $228,650,000 $285,100 $3,500 3.28%
    43% 747 $209,805,000 $280,863 $3,680 3.07%
    44% 742 $214,060,000 $288,491 $3,539 3.08%
    37% 727 $212,065,000 $291,699 $3,498 3.25%
    45% 474 $138,230,000 $291,624 $3,828 3.13%
    49% 463 $145,535,000 $314,330 $3,810 3.05%
    46% 448 $139,300,000 $310,938 $3,519 3.12%
    48% 422 $127,850,000 $302,962 $3,347 3.15%
    47% 414 $120,070,000 $290,024 $3,316 3.10%
    50-60% 316 $83,740,000 $265,000 $7,346 3.06%
    >60% 40 $14,690,000 $367,250 $3,459 3.72%

    Firstbank lent most frequently to those with DTI ratios of 20-30%, with 6,129 originations. The next most common DTI ratio? 30-36%, with 4,500 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 16,435 $4,604,805,000 $280,183 $3,411 3.20%
    Not provided 3,987 $1,302,955,000 $326,801 $2,748 3.07%
    Asian 1,504 $533,960,000 $355,027 $2,562 2.68%
    Not applicable 358 $376,410,000 $1,051,425 $4,890 4.22%
    Black 1,634 $360,080,000 $220,367 $4,279 3.90%
    American Indian 118 $30,200,000 $255,932 $3,863 3.43%
    Asian Indian 43 $16,535,000 $384,535 $4,051 3.26%
    Native Hawaiian or Islander 37 $12,425,000 $335,811 $3,548 3.09%
    Other Asian 21 $8,975,000 $427,381 $4,587 3.47%
    Chinese 8 $2,380,000 $297,500 $3,897 3.16%
    Japanese 3 $1,125,000 $375,000 $2,932 3.00%
    Korean 2 $840,000 $420,000 $3,146 2.93%
    4 $740,000 $185,000 $5,226 5.10%
    Filipino 4 $740,000 $185,000 $4,235 2.78%
    Native Hawaiian 1 $715,000 $715,000 $2,038 2.88%
    Vietnamese 3 $315,000 $105,000 $2,606 4.72%
    Other Pacific Islander 2 $310,000 $155,000 $3,998 6.39%

    Approval Rates

    Total approvals of all applications
    79.90%

    Firstbank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    67.52%

    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 1 $15,000 $15,000
    1000.0 21 $935,000 $44,524
    1001.1 1 $35,000 $35,000
    1001.52 1 $55,000 $55,000
    1012.13 1 $55,000 $55,000
    1016.96 1 $65,000 $65,000
    1027.6 1 $55,000 $55,000
    1034.01 1 $25,000 $25,000
    1037.57 1 $75,000 $75,000
    1050.0 1 $35,000 $35,000
    1052.4 1 $55,000 $55,000
    1058.06 1 $75,000 $75,000
    1063.44 1 $35,000 $35,000
    1063.5 1 $75,000 $75,000
    1066.0 1 $75,000 $75,000
    1072.11 1 $35,000 $35,000
    1080.0 2 $130,000 $65,000
    1084.14 1 $35,000 $35,000
    1085.36 1 $35,000 $35,000
    1086.07 1 $75,000 $75,000
    1101.99 1 $55,000 $55,000
    1102.8 1 $75,000 $75,000
    1105.91 1 $45,000 $45,000
    1106.5 1 $55,000 $55,000
    1107.94 1 $55,000 $55,000
    1117.08 1 $55,000 $55,000
    1118.55 1 $45,000 $45,000
    1132.34 1 $55,000 $55,000
    1134.78 1 $75,000 $75,000
    1140.0 1 $55,000 $55,000
    1146.89 1 $55,000 $55,000
    1153.38 1 $55,000 $55,000
    1161.58 1 $75,000 $75,000
    1163.97 1 $65,000 $65,000
    1166.85 1 $25,000 $25,000
    1169.67 1 $85,000 $85,000
    1172.39 1 $65,000 $65,000
    1181.85 1 $45,000 $45,000
    1181.92 1 $65,000 $65,000
    1184.98 1 $85,000 $85,000
    1186.23 1 $65,000 $65,000
    1194.65 1 $85,000 $85,000
    1200.0 1 $45,000 $45,000
    1207.86 1 $85,000 $85,000
    1209.68 1 $45,000 $45,000
    1213.39 1 $45,000 $45,000
    1219.0 1 $45,000 $45,000
    1230.31 1 $45,000 $45,000
    1232.91 1 $45,000 $45,000
    1235.98 1 $45,000 $45,000
    1236.0 1 $85,000 $85,000
    1241.07 1 $45,000 $45,000
    1243.69 1 $25,000 $25,000
    1250.44 1 $85,000 $85,000
    1272.0 1 $45,000 $45,000
    1276.92 1 $85,000 $85,000
    1278.0 1 $65,000 $65,000
    1284.33 1 $45,000 $45,000
    1289.45 1 $35,000 $35,000
    1291.98 1 $45,000 $45,000
    1295.79 1 $45,000 $45,000
    1297.13 1 $65,000 $65,000
    1298.93 1 $65,000 $65,000
    1304.48 1 $65,000 $65,000
    1306.12 1 $65,000 $65,000
    1306.65 1 $45,000 $45,000
    1312.88 1 $95,000 $95,000
    1313.25 1 $45,000 $45,000
    1314.6 1 $65,000 $65,000
    1316.13 1 $65,000 $65,000
    1317.0 1 $45,000 $45,000
    1317.53 1 $45,000 $45,000
    1321.25 1 $65,000 $65,000
    1326.0 1 $45,000 $45,000
    1334.66 1 $45,000 $45,000
    1334.7 1 $75,000 $75,000
    1336.8 1 $45,000 $45,000
    1338.22 1 $95,000 $95,000
    1338.9 1 $45,000 $45,000
    1349.4 1 $45,000 $45,000
    1353.82 1 $95,000 $95,000
    1356.0 1 $45,000 $45,000
    1361.91 1 $45,000 $45,000
    1371.96 1 $75,000 $75,000
    1373.4 1 $45,000 $45,000
    1375.62 1 $45,000 $45,000
    1378.35 1 $45,000 $45,000
    1381.95 1 $45,000 $45,000
    1385.29 1 $45,000 $45,000
    1385.85 1 $45,000 $45,000
    1389.81 1 $45,000 $45,000
    1391.88 1 $55,000 $55,000
    1392.12 1 $45,000 $45,000
    1392.68 1 $45,000 $45,000
    1394.16 1 $45,000 $45,000
    1400.1 1 $45,000 $45,000
    1400.67 1 $45,000 $45,000
    1401.93 1 $55,000 $55,000
    1407.51 1 $45,000 $45,000
    1410.38 1 $45,000 $45,000
    1415.97 1 $45,000 $45,000
    1422.62 1 $55,000 $55,000
    1423.2 1 $55,000 $55,000
    1426.68 1 $75,000 $75,000
    1428.3 1 $45,000 $45,000
    1434.81 1 $55,000 $55,000
    1434.99 1 $55,000 $55,000
    1442.31 1 $55,000 $55,000
    1446.7 1 $35,000 $35,000
    1451.43 1 $55,000 $55,000
    1456.08 1 $55,000 $55,000
    1456.47 1 $35,000 $35,000
    1457.61 1 $55,000 $55,000
    1462.05 1 $55,000 $55,000
    1464.0 1 $55,000 $55,000
    1473.45 1 $55,000 $55,000
    1477.14 1 $55,000 $55,000
    1488.28 1 $75,000 $75,000
    1491.0 1 $75,000 $75,000
    1494.51 1 $75,000 $75,000
    1497.78 1 $105,000 $105,000
    1499.42 1 $105,000 $105,000
    1500.0 1 $55,000 $55,000
    1500.69 1 $55,000 $55,000
    1503.13 1 $75,000 $75,000
    1506.2 1 $75,000 $75,000
    1510.41 1 $55,000 $55,000
    1511.37 1 $75,000 $75,000
    1514.4 1 $55,000 $55,000
    1516.58 1 $55,000 $55,000
    1525.35 1 $75,000 $75,000
    1530.63 1 $55,000 $55,000
    1535.1 1 $55,000 $55,000
    1536.17 1 $55,000 $55,000
    1538.25 1 $105,000 $105,000
    1539.21 1 $55,000 $55,000
    1541.1 1 $55,000 $55,000
    1544.04 1 $85,000 $85,000
    1551.33 1 $85,000 $85,000
    1564.21 1 $55,000 $55,000
    1574.49 1 $105,000 $105,000
    1577.52 1 $55,000 $55,000
    1578.97 1 $55,000 $55,000
    1598.1 1 $55,000 $55,000
    1599.44 1 $55,000 $55,000
    1607.19 1 $115,000 $115,000
    1610.74 1 $85,000 $85,000
    1616.84 1 $55,000 $55,000
    1617.0 1 $55,000 $55,000
    1622.85 1 $55,000 $55,000
    1634.11 1 $55,000 $55,000
    1637.61 1 $55,000 $55,000
    1640.1 1 $55,000 $55,000
    1640.76 1 $55,000 $55,000
    1643.45 1 $55,000 $55,000
    1644.0 1 $55,000 $55,000
    1646.2 1 $55,000 $55,000
    1649.79 1 $55,000 $55,000
    1651.61 1 $55,000 $55,000
    1654.5 1 $55,000 $55,000
    1655.91 1 $55,000 $55,000
    1658.9 1 $85,000 $85,000
    1663.77 1 $55,000 $55,000
    1666.86 1 $55,000 $55,000
    1667.79 1 $115,000 $115,000
    1668.39 1 $65,000 $65,000
    1671.09 1 $55,000 $55,000
    1672.5 1 $55,000 $55,000
    1674.19 1 $85,000 $85,000
    1675.76 1 $55,000 $55,000
    1676.6 1 $55,000 $55,000
    1677.6 1 $55,000 $55,000
    1679.87 1 $65,000 $65,000
    1681.38 1 $55,000 $55,000
    1690.65 1 $55,000 $55,000
    1691.1 1 $65,000 $65,000
    1691.32 1 $65,000 $65,000
    1695.93 1 $65,000 $65,000
    1700.0 1 $85,000 $85,000
    1702.96 1 $115,000 $115,000
    1702.98 1 $65,000 $65,000
    1702.99 1 $55,000 $55,000
    1704.86 1 $85,000 $85,000
    1705.26 1 $65,000 $65,000
    1706.48 1 $85,000 $85,000
    1708.56 1 $65,000 $65,000
    1708.98 1 $115,000 $115,000
    1715.76 1 $65,000 $65,000
    1719.29 1 $65,000 $65,000
    1725.33 1 $65,000 $65,000
    1728.12 1 $65,000 $65,000
    1733.84 1 $65,000 $65,000
    1736.04 2 $130,000 $65,000
    1737.45 1 $65,000 $65,000
    1739.49 1 $125,000 $125,000
    1740.0 1 $65,000 $65,000
    1748.54 1 $65,000 $65,000
    1751.7 1 $65,000 $65,000
    1752.0 1 $65,000 $65,000
    1755.0 1 $65,000 $65,000
    1755.36 1 $65,000 $65,000
    1755.96 1 $65,000 $65,000
    1760.18 1 $65,000 $65,000
    1766.89 1 $125,000 $125,000
    1767.57 1 $65,000 $65,000
    1768.69 1 $65,000 $65,000
    1769.22 1 $65,000 $65,000
    1771.2 1 $65,000 $65,000
    1772.1 1 $65,000 $65,000
    1777.05 1 $65,000 $65,000
    1778.88 1 $125,000 $125,000
    1789.8 1 $65,000 $65,000
    1794.95 1 $65,000 $65,000
    1799.79 1 $65,000 $65,000
    1800.0 1 $65,000 $65,000
    1800.91 1 $65,000 $65,000
    1802.59 1 $65,000 $65,000
    1803.87 1 $125,000 $125,000
    1804.41 1 $65,000 $65,000
    1807.71 1 $65,000 $65,000
    1809.79 1 $65,000 $65,000
    1814.19 1 $65,000 $65,000
    1833.45 1 $65,000 $65,000
    1834.55 1 $65,000 $65,000
    1835.16 1 $65,000 $65,000
    1835.85 1 $65,000 $65,000
    1836.0 1 $65,000 $65,000
    1841.78 1 $65,000 $65,000
    1842.27 1 $65,000 $65,000
    1853.04 1 $65,000 $65,000
    1855.31 1 $65,000 $65,000
    1863.0 1 $65,000 $65,000
    1864.05 1 $65,000 $65,000
    1865.86 1 $65,000 $65,000
    1867.56 1 $65,000 $65,000
    1872.0 1 $65,000 $65,000
    1872.72 1 $65,000 $65,000
    187.91 1 $15,000 $15,000
    1882.1 1 $65,000 $65,000
    1884.45 1 $65,000 $65,000
    1886.49 1 $65,000 $65,000
    1887.6 1 $65,000 $65,000
    1890.0 2 $130,000 $65,000
    1897.91 1 $65,000 $65,000
    1899.6 1 $65,000 $65,000
    1900.68 1 $65,000 $65,000
    1901.3 1 $65,000 $65,000
    1903.47 1 $65,000 $65,000
    1903.83 1 $65,000 $65,000
    1909.52 1 $65,000 $65,000
    1912.5 1 $135,000 $135,000
    1915.72 1 $65,000 $65,000
    1917.0 1 $65,000 $65,000
    1919.16 1 $65,000 $65,000
    1925.88 1 $65,000 $65,000
    1941.12 1 $65,000 $65,000
    1943.31 1 $65,000 $65,000
    1944.0 1 $65,000 $65,000
    1945.4 1 $65,000 $65,000
    195.0 5 $105,000 $21,000
    1950.0 1 $65,000 $65,000
    1959.27 1 $65,000 $65,000
    1960.2 1 $65,000 $65,000
    1970.61 1 $75,000 $75,000
    1971.08 1 $65,000 $65,000
    1986.17 1 $65,000 $65,000
    199.0 1 $25,000 $25,000
    1993.44 1 $65,000 $65,000
    1993.61 1 $75,000 $75,000
    1995.0 1 $75,000 $75,000
    1998.18 1 $75,000 $75,000
    2000.0 2 $210,000 $105,000
    2001.02 1 $75,000 $75,000
    2001.67 1 $75,000 $75,000
    2005.73 1 $75,000 $75,000
    2009.85 1 $75,000 $75,000
    2012.89 1 $75,000 $75,000
    2016.15 1 $75,000 $75,000
    2024.85 1 $75,000 $75,000
    2025.0 1 $75,000 $75,000
    2027.31 1 $75,000 $75,000
    2027.81 1 $145,000 $145,000
    2031.6 1 $75,000 $75,000
    2034.09 1 $75,000 $75,000
    2037.22 1 $75,000 $75,000
    2040.56 1 $75,000 $75,000
    2040.78 1 $75,000 $75,000
    2041.02 1 $75,000 $75,000
    2044.02 1 $75,000 $75,000
    2046.0 1 $75,000 $75,000
    2046.64 1 $75,000 $75,000
    2047.93 1 $75,000 $75,000
    2057.43 1 $145,000 $145,000
    2063.85 1 $75,000 $75,000
    2070.51 1 $75,000 $75,000
    2072.25 1 $75,000 $75,000
    2074.41 1 $75,000 $75,000
    2076.02 1 $75,000 $75,000
    2082.53 1 $75,000 $75,000
    2083.11 1 $75,000 $75,000
    2087.63 1 $75,000 $75,000
    2088.82 1 $75,000 $75,000
    2090.16 1 $75,000 $75,000
    2099.91 1 $75,000 $75,000
    2107.05 1 $75,000 $75,000
    2108.4 1 $75,000 $75,000
    2108.85 1 $75,000 $75,000
    2115.53 1 $105,000 $105,000
    2116.32 1 $75,000 $75,000
    2133.0 1 $55,000 $55,000
    2133.1 1 $75,000 $75,000
    2135.99 1 $75,000 $75,000
    2136.21 1 $75,000 $75,000
    2141.03 1 $75,000 $75,000
    2146.5 1 $115,000 $115,000
    2151.9 1 $55,000 $55,000
    2155.2 2 $230,000 $115,000
    2156.7 1 $75,000 $75,000
    2159.22 1 $75,000 $75,000
    2160.0 1 $75,000 $75,000
    2160.54 1 $75,000 $75,000
    2161.53 1 $75,000 $75,000
    2162.4 1 $75,000 $75,000
    2162.62 1 $145,000 $145,000
    2164.35 1 $75,000 $75,000
    2166.25 1 $75,000 $75,000
    2166.7 1 $75,000 $75,000
    2183.85 1 $75,000 $75,000
    2186.4 1 $155,000 $155,000
    2195.32 1 $75,000 $75,000
    2196.42 1 $75,000 $75,000
    2198.37 1 $75,000 $75,000
    2198.85 1 $75,000 $75,000
    2202.0 1 $75,000 $75,000
    2209.83 1 $75,000 $75,000
    2214.49 1 $75,000 $75,000
    2216.55 1 $75,000 $75,000
    2217.6 1 $75,000 $75,000
    2226.26 1 $75,000 $75,000
    2229.84 1 $75,000 $75,000
    2232.36 1 $155,000 $155,000
    2235.22 1 $115,000 $115,000
    2241.0 2 $200,000 $100,000
    2242.4 1 $75,000 $75,000
    2245.9 1 $75,000 $75,000
    2249.14 1 $75,000 $75,000
    2261.06 1 $85,000 $85,000
    2263.02 1 $75,000 $75,000
    2264.55 1 $85,000 $85,000
    2264.57 1 $85,000 $85,000
    2268.54 1 $75,000 $75,000
    2268.66 1 $85,000 $85,000
    2274.26 1 $115,000 $115,000
    2278.26 1 $85,000 $85,000
    2283.8 1 $75,000 $75,000
    2285.79 1 $75,000 $75,000
    2291.84 1 $85,000 $85,000
    2301.81 1 $55,000 $55,000
    2302.4 1 $85,000 $85,000
    2304.6 1 $85,000 $85,000
    2304.61 1 $85,000 $85,000
    2305.92 1 $85,000 $85,000
    2344.53 1 $85,000 $85,000
    2344.61 1 $85,000 $85,000
    2350.07 1 $85,000 $85,000
    2353.41 2 $250,000 $125,000
    2357.95 1 $165,000 $165,000
    2361.41 1 $125,000 $125,000
    2368.44 1 $85,000 $85,000
    2369.5 1 $125,000 $125,000
    2369.88 1 $85,000 $85,000
    2370.0 1 $85,000 $85,000
    2381.7 1 $125,000 $125,000
    2388.9 1 $85,000 $85,000
    2389.61 1 $85,000 $85,000
    2393.46 1 $85,000 $85,000
    2396.28 1 $85,000 $85,000
    2398.99 1 $55,000 $55,000
    2401.14 1 $85,000 $85,000
    2415.0 1 $85,000 $85,000
    2431.5 1 $85,000 $85,000
    2461.53 1 $125,000 $125,000
    2463.96 1 $85,000 $85,000
    2475.33 1 $85,000 $85,000
    2477.57 1 $85,000 $85,000
    2481.51 1 $125,000 $125,000
    2498.03 1 $85,000 $85,000
    2498.16 1 $85,000 $85,000
    2499.97 1 $85,000 $85,000
    2514.45 1 $85,000 $85,000
    2521.2 1 $85,000 $85,000
    2525.19 1 $85,000 $85,000
    2547.31 1 $85,000 $85,000
    2548.65 1 $85,000 $85,000
    2573.24 1 $65,000 $65,000
    2577.87 1 $85,000 $85,000
    2600.1 1 $95,000 $95,000
    2610.0 1 $95,000 $95,000
    2636.7 1 $95,000 $95,000
    2643.38 1 $95,000 $95,000
    2654.46 1 $135,000 $135,000
    2656.65 1 $95,000 $95,000
    2668.5 1 $95,000 $95,000
    2669.4 1 $95,000 $95,000
    2674.83 1 $95,000 $95,000
    2697.3 1 $95,000 $95,000
    2699.66 1 $65,000 $65,000
    2700.0 1 $95,000 $95,000
    2713.74 1 $145,000 $145,000
    2738.7 1 $105,000 $105,000
    2740.54 1 $95,000 $95,000
    278.7 1 $25,000 $25,000
    2807.13 1 $95,000 $95,000
    2908.4 1 $105,000 $105,000
    2941.81 1 $105,000 $105,000
    2991.32 1 $105,000 $105,000
    302.97 1 $25,000 $25,000
    3039.13 1 $105,000 $105,000
    3054.99 1 $105,000 $105,000
    309.0 1 $35,000 $35,000
    3135.0 1 $125,000 $125,000
    3212.41 1 $125,000 $125,000
    325.56 1 $35,000 $35,000
    328.22 1 $35,000 $35,000
    329.42 1 $35,000 $35,000
    337.09 1 $35,000 $35,000
    340.0 1 $35,000 $35,000
    340.67 1 $35,000 $35,000
    341.89 1 $35,000 $35,000
    356.6 1 $15,000 $15,000
    361.35 1 $35,000 $35,000
    365.69 1 $25,000 $25,000
    3735.47 1 $145,000 $145,000
    374.32 1 $25,000 $25,000
    382.78 1 $45,000 $45,000
    395.03 1 $25,000 $25,000
    411.32 1 $45,000 $45,000
    429.0 1 $45,000 $45,000
    453.66 1 $45,000 $45,000
    455.14 1 $25,000 $25,000
    461.46 1 $45,000 $45,000
    481.12 1 $25,000 $25,000
    484.4 1 $55,000 $55,000
    518.2 1 $55,000 $55,000
    526.75 1 $55,000 $55,000
    542.29 1 $55,000 $55,000
    552.84 1 $25,000 $25,000
    569.05 1 $55,000 $55,000
    577.8 1 $25,000 $25,000
    611.41 1 $65,000 $65,000
    612.0 1 $45,000 $45,000
    621.76 1 $45,000 $45,000
    642.11 1 $45,000 $45,000
    653.25 1 $65,000 $65,000
    673.56 1 $45,000 $45,000
    680.39 1 $45,000 $45,000
    690.0 1 $45,000 $45,000
    698.42 1 $75,000 $75,000
    698.45 1 $75,000 $75,000
    705.18 1 $35,000 $35,000
    712.11 1 $25,000 $25,000
    716.21 1 $45,000 $45,000
    718.0 1 $35,000 $35,000
    720.03 1 $15,000 $15,000
    722.34 1 $55,000 $55,000
    723.17 1 $25,000 $25,000
    728.35 1 $75,000 $75,000
    728.91 1 $25,000 $25,000
    731.71 1 $55,000 $55,000
    739.99 1 $55,000 $55,000
    755.46 1 $25,000 $25,000
    760.36 1 $45,000 $45,000
    761.08 1 $55,000 $55,000
    763.47 1 $25,000 $25,000
    765.01 1 $45,000 $45,000
    776.38 1 $55,000 $55,000
    778.34 1 $35,000 $35,000
    780.64 1 $35,000 $35,000
    784.18 1 $55,000 $55,000
    791.53 1 $45,000 $45,000
    800.0 139 $5,155,000 $37,086
    809.4 1 $45,000 $45,000
    813.75 1 $55,000 $55,000
    814.47 1 $55,000 $55,000
    818.45 1 $55,000 $55,000
    820.9 1 $45,000 $45,000
    822.38 1 $55,000 $55,000
    823.2 1 $25,000 $25,000
    826.87 1 $55,000 $55,000
    832.5 1 $25,000 $25,000
    839.33 1 $55,000 $55,000
    840.9 1 $55,000 $55,000
    842.67 1 $35,000 $35,000
    847.95 1 $55,000 $55,000
    849.84 1 $45,000 $45,000
    877.77 1 $65,000 $65,000
    893.1 1 $45,000 $45,000
    908.29 1 $65,000 $65,000
    908.58 1 $65,000 $65,000
    910.5 1 $65,000 $65,000
    930.4 1 $45,000 $45,000
    936.71 1 $65,000 $65,000
    936.91 1 $45,000 $45,000
    941.51 1 $65,000 $65,000
    942.94 1 $65,000 $65,000
    947.06 1 $45,000 $45,000
    948.0 1 $35,000 $35,000
    950.0 129 $10,825,000 $83,915
    950.81 1 $65,000 $65,000
    973.35 1 $65,000 $65,000
    980.34 1 $55,000 $55,000
    983.25 1 $65,000 $65,000
    988.35 1 $35,000 $35,000
    996.16 1 $65,000 $65,000
    996.3 1 $35,000 $35,000
    998.37 1 $35,000 $35,000
    NA 23,351 $7,201,735,000 $308,412

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    24,164 $7,253,510,000 $300,178

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,668 $375,240,000 $224,964 $2,446 3.21%
    40-60% 4,909 $1,545,155,000 $314,760 $2,382 2.82%
    60-80% 8,927 $3,112,325,000 $348,642 $2,992 3.06%
    80-100% 7,433 $2,041,425,000 $274,643 $4,365 3.60%
    Over 100% 193 $49,995,000 $259,041 $11,842 4.23%
    Under 20% 992 $74,850,000 $75,454 $673 3.31%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRSTBANK PUERTO RICO Conventional home mortgage Trouble during payment process 10 38.5%
    FIRSTBANK PUERTO RICO FHA mortgage Struggling to pay mortgage 1 3.8%
    FIRSTBANK PUERTO RICO FHA mortgage Trouble during payment process 1 3.8%
    FIRSTBANK PUERTO RICO Other type of mortgage Trouble during payment process 1 3.8%
    FIRSTBANK PUERTO RICO VA mortgage Trouble during payment process 2 7.7%
    FIRSTBANK PUERTO RICO VA mortgage Closing on a mortgage 1 3.8%
    FIRSTBANK PUERTO RICO VA mortgage Struggling to pay mortgage 1 3.8%
    FIRSTBANK PUERTO RICO Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 11.5%
    FIRSTBANK PUERTO RICO Conventional home mortgage Closing on a mortgage 3 11.5%
    FIRSTBANK PUERTO RICO Conventional home mortgage Struggling to pay mortgage 3 11.5%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Firstbank 11 Channing Way Jackson, TN 38305 Full Service B&M $317,923
    Firstbank 1500 Hillsboro Boulevard Manchester, TN 37355 Full Service B&M $80,720
    Firstbank 1515 Campbell Lane Bowling Green, KY 42104 Full Service B&M $18,934
    Firstbank 1520 Old Gallatin Road Scottsville, KY 42164 Limited, Drive-thru $0
    Firstbank 1525 Market St Dayton, TN 37321 Full Service B&M $65,051
    Firstbank 1581 South Highland Avenue Jackson, TN 38301 Full Service B&M $25,893
    Firstbank 1595 Veterans Memorial Hwy Scottsville, KY 42164 Full Service B&M $136,530
    Firstbank 164 Hospital Drive Lexington, TN 38351 Limited, Drive-thru $0
    Firstbank 167 West Broadway Boulevard Jefferson City, TN 37760 Full Service B&M $167,872
    Firstbank 1817 West End Avenue Nashville, TN 37203 Full Service B&M $110,998
    Firstbank 1927 Wilson Parkway Fayetteville, TN 37334 Full Service B&M $79,544
    Firstbank 1959 Northpoint Boulevard Hixson, TN 37343 Full Service B&M $41,097
    Firstbank 19685 E Main Street Huntingdon, TN 38344 Full Service B&M $117,803
    Firstbank 20 Highway 114 South Scotts Hill, TN 38374 Full Service B&M $47,297
    Firstbank 2905 Maynardville Highway Maynardville, TN 37807 Full Service B&M $26,222
    Firstbank 319 Manufacturer's Road Chattanooga, TN 37405 Full Service B&M $192,536
    Firstbank 3310 Aspen Grove Drive, Suite 100 Franklin, TN 37067 Full Service B&M $161,396
    Firstbank 340 West Lincoln Street Tullahoma, TN 37388 Full Service B&M $101,413
    Firstbank 345 Highway 46 South Dickson, TN 37055 Full Service B&M $80,550
    Firstbank 3610 Battlefield Parkway Fort Oglethorpe, GA 30742 Full Service B&M $130,424
    Firstbank 3895 Cleveland Road Dalton, GA 30720 Full Service B&M $26,583
    Firstbank 40 Moss Lane Ste 100 Franklin, TN 37064 Full Service B&M $35,958
    Firstbank 401 South Thornton Avenue Dalton, GA 30720 Full Service B&M $154,648
    Firstbank 404 Hollywood Blvd Birmingham, AL 35209 Full Service B&M $173
    Firstbank 4110 North Mount Juliet Road, Suite 300 Mount Juliet, TN 37122 Full Service B&M $27,677
    Firstbank 416 West Main Street Waverly, TN 37185 Full Service B&M $100,875
    Firstbank 417 South Lowry Street Smyrna, TN 37167 Full Service B&M $36,931
    Firstbank 4227 Ringgold Road Chattanooga, TN 37412 Full Service B&M $40,781
    Firstbank 45 Wildersville Road Wildersville, TN 38388 Limited, Drive-thru $0
    Firstbank 450 Tennessee Avenue South Parsons, TN 38363 Full Service B&M $147,470
    Firstbank 4824 Main Street Suite A Spring Hill, TN 37174 Full Service B&M $12,829
    Firstbank 5040 Carothers Parkway Suite 100 Franklin, TN 37067 Full Service B&M $7,123
    Firstbank 5063 Alabama Highway Ringgold, GA 30736 Full Service B&M $182,511
    Firstbank 508 Madison Street Shelbyville, TN 37160 Full Service B&M $119,381
    Firstbank 510 Columbia Avenue, Suite 106 Franklin, TN 37064 Full Service B&M $74,493
    Firstbank 520 W. Summit Hill Drive, Suite 801 Knoxville, TN 37902 Full Service B&M $723,650
    Firstbank 5200 Clinton Highway Knoxville, TN 37912 Full Service B&M $16,922
    Firstbank 5290 Scottsville Road Bowling Green, KY 42103 Full Service B&M $73,236
    Firstbank 722 Columbia Avenue Franklin, TN 37064 Full Service B&M $1,058,188
    Firstbank 724 Presidents Place Smyrna, TN 37167 Full Service B&M $23,336
    Firstbank 7442 Shallowford Road Chattanooga, TN 37421 Full Service B&M $78,094
    Firstbank 8398 Highway 64 Bartlett, TN 38133 Full Service B&M $20,500
    Firstbank 851 South Willow Avenue Cookeville, TN 38501 Full Service B&M $148,823
    Firstbank 885 Conference Drive, Suite 100 Goodlettsville, TN 37072 Full Service B&M $99,581
    Firstbank 9217 Lee Hwy Ooltewah, TN 37363 Full Service B&M $54,871
    Firstbank 948 Fairview Avenue Bowling Green, KY 42103 Full Service B&M $17,233
    Firstbank Highway 22 South Clarksburg, TN 38324 Limited, Drive-thru $10,152
    Firstbank W Main Street Henderson, TN 38340 Limited, Drive-thru $0
    Firstbank 101 East Main Street Henderson, TN 38340 Full Service B&M $124,660
    Firstbank 101 W. Main St Woodbury, TN 37190 Full Service B&M $53,579
    Firstbank 101 West Church Street Lexington, TN 38351 Full Service B&M $128,586
    Firstbank 101 West Wood Street Paris, TN 38242 Full Service B&M $52,209
    Firstbank 1013 South Hwy 92 Dandridge, TN 37725 Full Service B&M $40,877
    Firstbank 1015 Westhaven Blvd Ste 150 Franklin, TN 37064 Full Service B&M $86,863
    Firstbank 10216 Kingston Pike Knoxville, TN 37922 Full Service B&M $70,081
    Firstbank 1068 Mineral Wells Avenue Paris, TN 38242 Full Service B&M $97,969
    Firstbank 200 West Main St Smithville, TN 37166 Full Service B&M $116,632
    Firstbank 20340 East Main Street Huntingdon, TN 38344 Limited, Drive-thru $0
    Firstbank 21 North Forrest Avenue Camden, TN 38320 Full Service B&M $46,827
    Firstbank 211 Commerce Street, Suite 300 Nashville, TN 37201 Full Service B&M $2,003,715
    Firstbank 2121 Abbott Martin Road Nashville, TN 37215 Full Service B&M $48,476
    Firstbank 2200 Decherd Boulevard Decherd, TN 37324 Full Service B&M $40,075
    Firstbank 2202 Fairview Boulevard Fairview, TN 37062 Full Service B&M $129,799
    Firstbank 2415 Memorial Blvd Murfreesboro, TN 37129 Full Service B&M $218,483
    Firstbank 2610 Old Fort Parkway Murfreesboro, TN 37128 Full Service B&M $15,610
    Firstbank 2670 New Salem Highway Murfreesboro, TN 37128 Full Service B&M $40,447
    Firstbank 2782 South Church Street Murfreesboro, TN 37127 Full Service B&M $12,840
    Firstbank 28915 Broad Street Hollow Rock, TN 38342 Full Service B&M $30,048
    Firstbank 53 East Church Street Lexington, TN 38351 Full Service B&M $177,737
    Firstbank 5537 Kingston Pike Knoxville, TN 37919 Full Service B&M $80,197
    Firstbank 595 East Church Street Lexington, TN 38351 Limited, Drive-thru $0
    Firstbank 615 Memorial Boulevard Murfreesboro, TN 37129 Full Service B&M $406,536
    Firstbank 6280 Highway 64 Oakland, TN 38060 Full Service B&M $67,309
    Firstbank 6482 Poplar Avenue Memphis, TN 38119 Full Service B&M $103,726
    Firstbank 650 Main Street Friendship, TN 38034 Full Service B&M $25,235
    Firstbank 6815 Poplar Avenue, Suite 100 Germantown, TN 38138 Full Service B&M $46,223
    Firstbank 71 Mechanic St. South, P.O.Box 159 Lynchburg, TN 37352 Full Service B&M $49,309
    Firstbank 720 Gallatin Street Sw, Suite 150 Huntsville, AL 35801 Full Service B&M $73,329
    Firstbank 7216 Nolensville Rd Ste 100 Nolensville, TN 37135 Full Service B&M $14,832
    Firstbank 722 Columbia Avenue Franklin, TN 37064 Limited, Drive-thru $34,745
    Firstbank 1110 Market St, Ste 300 Chattanooga, TN 37402 Full Service B&M $64,737
    Firstbank 112 North Washington Streets Henderson, TN 38340 Limited, Drive-thru $0
    Firstbank 11820 Kingston Pike Farragut, TN 37934 Full Service B&M $81,223
    Firstbank 120 W Main Street Linden, TN 37096 Full Service B&M $62,128
    Firstbank 123 North Court Street Florence, AL 35630 Full Service B&M $43,739
    Firstbank 123 Second Avenue North Huntingdon, TN 38344 Limited, Drive-thru $0
    Firstbank 1237 North Glenwood Ave Dalton, GA 30721 Full Service B&M $17,671
    Firstbank 126 Highway 641 North Camden, TN 38320 Full Service B&M $78,303
    Firstbank 1301 Cowart Street Chattanooga, TN 37402 Limited, Drive-thru $0
    Firstbank 134 Pewitt Dr Ste 100 Brentwood, TN 37027 Full Service B&M $73,677
    Firstbank 139 Elmore Road Crossville, TN 38555 Full Service B&M $139,822
    Firstbank 15 West University Parkway Jackson, TN 38305 Full Service B&M $40,660

    For 2021, Firstbank had 92 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $384,941
    Net interest income $349,768
    Total noninterest income $227,378
    Gross Fiduciary activities income $1,679
    Service charges on deposit accounts $9,319
    Trading account gains and fees $0
    Additional Noninterest Income $216,380
    Pre-tax net operating income $246,525
    Securities gains (or losses, -) $75
    Income before extraordinary items $190,867
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $190,867
    Minority interest net income $16
    Net income $190,851
    Sale, conversion, retirement of capital stock, net $1,695
    Net operating income $190,807

    Firstbank's gross interest income from loans was $384,941,000.
    Firstbank's net interest income from loans was $349,768,000.
    Firstbank's fee based income from loans was $9,319,000.
    Firstbank's net income from loans was $190,851,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $35,173
    Provision for credit losses $-40,993
    Total noninterest expense $371,614
    Salaries and employee benefits $247,131
    Premises and equipment expense $22,167
    Additional noninterest expense $102,316
    Applicable income taxes $55,733
    Net charge-offs $5,835
    Cash dividends $122,500

    Firstbank's interest expense for loans was $35,173,000.
    Firstbank's payroll and benefits expense were $247,131,000.
    Firstbank's property, plant and equipment expenses $22,167,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 2.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $10,858,412
    Deposits held in domestic offices $10,858,412
    Deposits by Individuals, partnerships, and corporations $8,519,961
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $2,291,059
    Deposits by Commercial banks and other depository institutions in U.S. $47,392
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,737,260
    Demand deposits $1,029,129
    Nontransaction accounts $9,121,152
    Money market deposit accounts (MMDAs) $7,509,482
    Other savings deposits (excluding MMDAs) $480,589
    Total time deposits $1,131,081
    Total time and savings deposits $9,829,283
    Noninterest-bearing deposits $2,761,729
    Interest-bearing deposits $8,096,683
    Retail deposits $10,534,623
    IRAs and Keogh plan accounts $162,574
    Brokered deposits $20,500
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $12,582,271
    Cash & Balances due from depository institutions $1,664,351
    Interest-bearing balances $1,573,018
    Total securities $1,680,801
    Federal funds sold & reverse repurchase $128,087
    Net loans and leases $8,231,326
    Loan and leases loss allowance $125,559
    Trading account assets $0
    Bank premises and fixed assets $185,425
    Other real estate owned $9,777
    Goodwill and other intangibles $374,997
    All other assets $307,507

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $12,582,271
    Total Liabilities $11,157,188
    Total deposits $10,858,412
    Interest-bearing deposits $8,096,683
    Deposits held in domestic offices $10,858,412
    % insured (estimated) $55
    Federal funds purchased and repurchase agreements $40,716
    Trading liabilities $0
    Other borrowed funds $1,518
    Subordinated debt $98,614
    All other liabilities $157,928

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $8,231,326
    Loan and leases loss allowance $125,559
    Total loans and leases (domestic) $8,356,885
    All real estate loans $6,662,387
    Real estate loans in domestic offices $6,662,387
    Construction and development loans $1,327,659
    Residential 1-4 family construction $563,538
    Other construction, all land development and other land $764,121
    Loans secured by nonfarm nonresidential properties $2,632,069
    Nonfarm nonresidential secured by owner-occupied properties $901,904
    Commercial real estate & other non-farm, non-residential $1,730,165
    Multifamily residential real estate $326,551
    1-4 family residential loans $2,326,430
    Farmland loans $49,678
    Loans held in foreign offices $0
    Farm loans $13,206
    Commercial and industrial loans $1,354,081
    To non-U.S. addressees $0
    Loans to individuals $267,386
    Credit card loans $0
    Related Plans $2,330
    Consumer Auto Loans $36,638
    Other loans to individuals $228,418
    All other loans & leases $59,825
    Loans to foreign governments and official institutions $0
    Other loans $16,548
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $21,791
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $21,351
    Non 1-4 family restructured loans & leases $19,259
    Total loans and leases (foreign) $0

    FirstBank had $8,231,326,000 of loans outstanding in 2021. $6,662,387,000 of loans were in real estate loans. $1,327,659,000 of loans were in development loans. $326,551,000 of loans were in multifamily mortgage loans. $2,326,430,000 of loans were in 1-4 family mortgage loans. $13,206,000 of loans were in farm loans. $0 of loans were in credit card loans. $36,638,000 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 1,904 $444,819 $233,623
    Nonfarm, nonresidential loans - <$100k 452 $18,586 $41,119
    Nonfarm, nonresidential loans - $100-250k 588 $73,732 $125,395
    Nonfarm, nonresidential loans - $250k-1MM 864 $352,501 $407,987
    Commercial & Industrial, US addressed loans - <$1MM 3,844 $303,992 $79,082
    Commercial & Industrial, US addressed loans - <$100k 2,413 $61,979 $25,685
    Commercial & Industrial, US addressed loans - $100-250k 717 $62,532 $87,213
    Commercial & Industrial, US addressed loans - $250k-1MM 714 $179,481 $251,374
    Farmland loans - <$1MM 220 $24,971 $113,505
    Farmland loans - <$100k 100 $3,402 $34,020
    Farmland loans - $100-250k 67 $7,280 $108,657
    Farmland loans - $250k-1MM 53 $14,289 $269,604
    Agriculture operations loans - <$1MM 279 $11,302 $40,509
    Agriculture operations loans - <$100k 230 $5,179 $22,517
    Agriculture operations loans - $100-250k 41 $4,219 $102,902
    Agriculture operations loans - $250k-1MM 8 $1,904 $238,000