Nbh Bank Mortgage Rates, Fees & Info

Greenwood Village, CO

LEI: 549300T7AIY7RU1YDP31

Tax ID: 51-0678201

5 stars - out of 5 stars, based on 84 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Nbh Bank is a small bank specializing in Home Purchase and Refi loans. Nbh Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Colorado Springs, Denver, Salt Lake City, Kansas City, and Provo among others. We have data for 243 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Nbh Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Nbh Bank 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) 7.50% 12/4/22
    30 Year Conventional Purchase 6.88% 12/4/22
    30 Year Conventional Refi 6.70% 12/4/22
    30 Year Cash-out Refi 6.94% 12/4/22
    30 Year FHA Purchase 7.77% 12/4/22
    30 Year FHA Refi 7.30% 12/4/22
    30 Year VA Purchase 6.37% 12/4/22
    30 Year VA Refi 6.15% 12/4/22
    30 Year USDA Purchase 6.86% 12/4/22
    30 Year USDA Refi 6.75% 12/4/22
    15 Year Conventional Purchase 6.16% 12/4/22
    15 Year Conventional Refi 6.12% 12/4/22
    15 Year Cash-out Refi 6.12% 12/4/22
    15 Year FHA Refi 5.76% 12/4/22
    15 Year VA Refi 6.06% 12/4/22
    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

    7,029

    Origination Dollar Volume (All Markets)

    $2,201,575,000

    Employee count

    1,136 Show all (23) awards

    Relative Rate

    Nbh Bank's average 30 year fixed mortgage rate was 3.05%.

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

    This yields a difference of -0.1%.

    Relative Fees (Closing Costs)

    Nbh Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,250.

    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
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1,799 $613,435,000 $340,987 $4,477 2.91%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1,232 $465,760,000 $378,052 $3,707 3.06%
    SALT LAKE CITY, UT (FHA|USDA|VA) 457 $181,555,000 $397,276 $5,173 3.19%
    Outside of Metro Areas 462 $135,930,000 $294,221 $4,268 3.29%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 703 $118,755,000 $168,926 $2,652 3.37%
    PROVO-OREM, UT (FHA|USDA|VA) 158 $62,470,000 $395,380 $5,603 3.20%
    LAWRENCE, KS (FHA|USDA|VA) 229 $52,185,000 $227,882 $2,794 3.20%
    GREELEY, CO (FHA|USDA|VA) 135 $37,495,000 $277,741 $3,630 3.07%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 91 $32,015,000 $351,813 $5,391 3.19%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 63 $27,575,000 $437,698 $9,460 2.56%
    FORT COLLINS, CO (FHA|USDA|VA) 84 $26,130,000 $311,071 $4,071 3.15%
    Edwards, CO (FHA|USDA|VA) 31 $21,415,000 $690,806 $7,630 3.24%
    Emporia, KS (FHA|USDA|VA) 142 $20,500,000 $144,366 $2,622 3.11%
    Heber, UT (FHA|USDA|VA) 20 $19,390,000 $969,500 $10,125 3.30%
    BOULDER, CO (FHA|USDA|VA) 52 $19,310,000 $371,346 $3,453 3.05%
    TOPEKA, KS (FHA|USDA|VA) 91 $15,755,000 $173,132 $3,599 3.33%
    Salina, KS (FHA|USDA|VA) 104 $15,040,000 $144,615 $3,014 2.93%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 41 $14,705,000 $358,659 $9,807 2.75%
    PUEBLO, CO (FHA|USDA|VA) 59 $14,315,000 $242,627 $4,434 2.93%
    Breckenridge, CO (FHA|USDA|VA) 25 $12,555,000 $502,200 $5,256 3.19%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 26 $12,500,000 $480,769 $9,277 2.62%
    Durango, CO (FHA|USDA|VA) 40 $11,740,000 $293,500 $4,269 3.41%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 29 $10,495,000 $361,897 $5,068 2.97%
    Ottawa, KS (FHA|USDA|VA) 67 $10,175,000 $151,866 $2,759 3.19%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 23 $8,535,000 $371,087 $6,945 3.17%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 71 $8,455,000 $119,085 $2,056 3.33%
    Glenwood Springs, CO (FHA|USDA|VA) 26 $7,430,000 $285,769 $3,191 3.07%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 33 $6,805,000 $206,212 $3,872 2.87%
    WICHITA, KS (FHA|USDA|VA) 33 $6,455,000 $195,606 $4,948 3.34%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 15 $6,245,000 $416,333 $5,969 3.04%
    ST. GEORGE, UT (FHA|USDA|VA) 19 $6,225,000 $327,632 $4,233 3.37%
    BEND, OR (FHA|USDA|VA) 13 $5,805,000 $446,538 $3,742 3.29%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 11 $5,065,000 $460,455 $7,991 3.15%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 8 $4,970,000 $621,250 $5,075 2.70%
    LUBBOCK, TX (FHA|USDA|VA) 1 $4,885,000 $4,885,000 $0 3.50%
    Taos, NM (FHA|USDA|VA) 20 $4,770,000 $238,500 $4,667 3.52%
    Kirksville, MO (FHA|USDA|VA) 35 $4,625,000 $132,143 $2,882 3.47%
    BAKERSFIELD, CA (FHA|USDA|VA) 17 $4,245,000 $249,706 $3,032 2.86%
    LOGAN, UT-ID (FHA|USDA|VA) 13 $4,055,000 $311,923 $5,338 3.09%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 12 $4,010,000 $334,167 $5,818 3.21%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $3,780,000 $630,000 $12,240 2.54%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 11 $3,665,000 $333,182 $5,092 2.94%
    GRAND JUNCTION, CO (FHA|USDA|VA) 15 $3,545,000 $236,333 $2,510 3.16%
    BOISE CITY, ID (FHA|USDA|VA) 8 $3,390,000 $423,750 $5,393 2.94%
    Maryville, MO (FHA|USDA|VA) 32 $3,270,000 $102,188 $1,892 3.63%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $3,185,000 $455,000 $6,093 2.75%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $3,150,000 $393,750 $3,479 3.11%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 8 $3,000,000 $375,000 $4,518 2.92%
    Steamboat Springs, CO (FHA|USDA|VA) 6 $2,690,000 $448,333 $3,227 2.99%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $2,675,000 $382,143 $3,869 3.41%
    Cañon City, CO (FHA|USDA|VA) 11 $2,655,000 $241,364 $3,349 3.15%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $2,595,000 $370,714 $5,827 3.05%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $2,400,000 $400,000 $1,854 2.88%
    Montrose, CO (FHA|USDA|VA) 10 $2,270,000 $227,000 $4,370 3.27%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,225,000 $445,000 $3,816 3.13%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $2,220,000 $370,000 $3,563 3.06%
    SANTA FE, NM (FHA|USDA|VA) 6 $2,210,000 $368,333 $4,769 3.03%
    JACKSONVILLE, FL (FHA|USDA|VA) 5 $2,145,000 $429,000 $3,683 2.70%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $1,990,000 $497,500 $2,934 2.75%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 6 $1,980,000 $330,000 $4,209 2.81%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,905,000 $635,000 $9,136 3.04%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,755,000 $351,000 $9,739 2.70%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 5 $1,695,000 $339,000 $2,662 2.78%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $1,695,000 $339,000 $4,329 3.68%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $1,660,000 $415,000 $4,620 2.88%
    Warrensburg, MO (FHA|USDA|VA) 8 $1,640,000 $205,000 $2,465 3.45%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,630,000 $271,667 $3,919 3.21%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,620,000 $270,000 $6,864 2.92%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $1,585,000 $226,429 $3,058 3.14%
    Sevierville, TN (FHA|USDA|VA) 3 $1,555,000 $518,333 $6,517 3.46%
    RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,555,000 $311,000 $4,227 2.93%
    SPRINGFIELD, MO (FHA|USDA|VA) 6 $1,550,000 $258,333 $3,369 2.88%
    SAVANNAH, GA (FHA|USDA|VA) 6 $1,410,000 $235,000 $6,873 3.04%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,400,000 $350,000 $4,736 2.97%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,390,000 $347,500 $5,659 3.03%
    Williston, ND (FHA|USDA|VA) 4 $1,380,000 $345,000 $3,721 3.00%
    FAYETTEVILLE, NC (FHA|USDA|VA) 6 $1,340,000 $223,333 $6,368 2.81%
    TUCSON, AZ (FHA|USDA|VA) 6 $1,330,000 $221,667 $2,984 2.94%
    TULSA, OK (FHA|USDA|VA) 2 $1,160,000 $580,000 $4,276 2.75%
    BILLINGS, MT (FHA|USDA|VA) 3 $1,115,000 $371,667 $10,408 2.88%
    ALBUQUERQUE, NM (FHA|USDA|VA) 6 $1,100,000 $183,333 $5,132 3.33%
    Bozeman, MT (FHA|USDA|VA) 2 $1,050,000 $525,000 $9,819 2.62%
    Branson, MO (FHA|USDA|VA) 5 $1,045,000 $209,000 $2,367 3.61%
    TWIN FALLS, ID (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,874 2.88%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $995,000 $331,667 $7,128 2.75%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $995,000 $331,667 $3,856 2.79%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $985,000 $328,333 $4,246 2.71%
    COLUMBIA, MO (FHA|USDA|VA) 4 $980,000 $245,000 $3,545 2.44%
    MANHATTAN, KS (FHA|USDA|VA) 5 $975,000 $195,000 $3,479 3.10%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $955,000 $318,333 $4,363 3.16%
    Cedar City, UT (FHA|USDA|VA) 4 $950,000 $237,500 $6,249 3.59%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $950,000 $475,000 $14,479 2.75%
    VISALIA, CA (FHA|USDA|VA) 3 $925,000 $308,333 $7,630 2.71%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 4 $920,000 $230,000 $3,920 2.88%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $895,000 $298,333 $2,725 3.08%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $875,000 $291,667 $2,502 2.75%
    ANCHORAGE, AK (FHA|USDA|VA) 3 $865,000 $288,333 $4,451 2.71%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 2 $790,000 $395,000 $3,406 2.63%
    Wooster, OH (FHA|USDA|VA) 4 $760,000 $190,000 $5,755 3.28%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $750,000 $375,000 $5,654 3.13%
    ABILENE, TX (FHA|USDA|VA) 2 $750,000 $375,000 $2,942 2.37%
    DOTHAN, AL (FHA|USDA|VA) 1 $745,000 $745,000 $937 3.13%
    NEW BERN, NC (FHA|USDA|VA) 2 $740,000 $370,000 $3,230 3.25%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $730,000 $365,000 $5,380 3.19%
    Bartlesville, OK (FHA|USDA|VA) 4 $730,000 $182,500 $4,890 3.56%
    Whitewater, WI (FHA|USDA|VA) 3 $725,000 $241,667 $3,226 3.21%
    MISSOULA, MT (FHA|USDA|VA) 1 $725,000 $725,000 $6,601 2.75%
    Kapaa, HI (FHA|USDA|VA) 1 $725,000 $725,000 $7,092 2.75%
    LAS CRUCES, NM (FHA|USDA|VA) 3 $715,000 $238,333 $5,772 2.91%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $715,000 $238,333 $4,271 3.33%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $710,000 $355,000 $4,472 2.81%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $700,000 $350,000 $2,460 3.38%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $690,000 $172,500 $8,640 2.72%
    YAKIMA, WA (FHA|USDA|VA) 2 $690,000 $345,000 $3,046 3.00%
    Kill Devil Hills, NC (FHA|USDA|VA) 2 $690,000 $345,000 $4,381 2.94%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $690,000 $345,000 $6,852 2.50%
    WILMINGTON, NC (FHA|USDA|VA) 3 $675,000 $225,000 $1,614 2.94%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $670,000 $335,000 $6,011 3.19%
    Oak Harbor, WA (FHA|USDA|VA) 2 $670,000 $335,000 $6,039 2.56%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $665,000 $221,667 $6,415 3.00%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $650,000 $325,000 $3,195 2.44%
    POCATELLO, ID (FHA|USDA|VA) 3 $635,000 $211,667 $6,218 2.71%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $630,000 $157,500 $3,240 2.94%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $600,000 $300,000 $3,192 2.38%
    SALEM, OR (FHA|USDA|VA) 2 $590,000 $295,000 $1,949 2.81%
    EL PASO, TX (FHA|USDA|VA) 3 $575,000 $191,667 $8,024 2.92%
    Rexburg, ID (FHA|USDA|VA) 2 $570,000 $285,000 $4,602 3.38%
    RENO, NV (FHA|USDA|VA) 2 $550,000 $275,000 $544 2.87%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $550,000 $275,000 $5,986 3.38%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $545,000 $545,000 $6,177 3.13%
    Plattsburgh, NY (FHA|USDA|VA) 1 $545,000 $545,000 $6,590 3.13%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $545,000 $545,000 $4,926 3.25%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $545,000 $545,000 $2,857 3.13%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $545,000 $545,000 $3,384 2.63%
    Key West, FL (FHA|USDA|VA) 1 $545,000 $545,000 $6,273 3.50%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $545,000 $545,000 $2,884 3.75%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $545,000 $545,000 $4,607 3.25%
    Vernal, UT (FHA|USDA|VA) 2 $540,000 $270,000 $4,779 2.69%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $525,000 $525,000 $3,195 3.13%
    NAPA, CA (FHA|USDA|VA) 1 $525,000 $525,000 $6,054 2.75%
    COLUMBIA, SC (FHA|USDA|VA) 3 $515,000 $171,667 $4,813 2.79%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $515,000 $515,000 $5,976 2.50%
    Port Angeles, WA (FHA|USDA|VA) 2 $510,000 $255,000 $2,088 3.25%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $505,000 $505,000 $165 2.75%
    Kalispell, MT (FHA|USDA|VA) 1 $505,000 $505,000 $5,678 3.13%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $505,000 $168,333 $4,050 3.25%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $495,000 $495,000 $17,244 2.38%
    WENATCHEE, WA (FHA|USDA|VA) 1 $475,000 $475,000 $1,769 2.25%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $475,000 $475,000 $3,749 2.75%
    Atchison, KS (FHA|USDA|VA) 2 $460,000 $230,000 $7,808 2.75%
    Laconia, NH (FHA|USDA|VA) 1 $455,000 $455,000 $735 2.25%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $455,000 $455,000 $5,174 3.13%
    Rock Springs, WY (FHA|USDA|VA) 2 $450,000 $225,000 $1,834 3.00%
    SAN ANGELO, TX (FHA|USDA|VA) 2 $450,000 $225,000 $7,945 2.69%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $445,000 $445,000 $3,877 3.13%
    Fort Morgan, CO (FHA|USDA|VA) 2 $440,000 $220,000 $6,880 3.13%
    Jesup, GA (FHA|USDA|VA) 1 $415,000 $415,000 $4,333 2.38%
    Picayune, MS (FHA|USDA|VA) 1 $415,000 $415,000 $0 2.38%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $410,000 $205,000 $1,177 2.81%
    Newport, OR (FHA|USDA|VA) 1 $405,000 $405,000 $6,500 3.38%
    Enterprise, AL (FHA|USDA|VA) 2 $390,000 $195,000 $833 2.62%
    HINESVILLE, GA (FHA|USDA|VA) 1 $385,000 $385,000 $28 2.50%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $385,000 $385,000 $10,121 2.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $375,000 $375,000 $1,443 3.25%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $360,000 $180,000 $623 2.87%
    Laramie, WY (FHA|USDA|VA) 1 $355,000 $355,000 $1,489 2.63%
    Sterling, CO (FHA|USDA|VA) 2 $350,000 $175,000 $4,434 3.00%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $335,000 $335,000 $10,301 2.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $335,000 $335,000 $2,262 3.50%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $325,000 $325,000 $1,242 2.25%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $325,000 $325,000 $7,424 3.13%
    Del Rio, TX (FHA|USDA|VA) 1 $325,000 $325,000 $9,058 2.75%
    RICHMOND, VA (FHA|USDA|VA) 2 $320,000 $160,000 $1,623 3.63%
    OCALA, FL (FHA|USDA|VA) 2 $320,000 $160,000 $2,097 2.88%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $315,000 $315,000 $6,830 3.13%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,486 2.50%
    RAPID CITY, SD (FHA|USDA|VA) 1 $315,000 $315,000 $805 3.13%
    BANGOR, ME (FHA|USDA|VA) 1 $315,000 $315,000 $8,732 2.99%
    Baraboo, WI (FHA|USDA|VA) 1 $315,000 $315,000 $3,390 2.38%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $305,000 $305,000 $3,446 3.25%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $305,000 $305,000 $7,250 2.88%
    Rockingham, NC (FHA|USDA|VA) 1 $295,000 $295,000 $984 2.50%
    Las Vegas, NM (FHA|USDA|VA) 1 $295,000 $295,000 $8,215 3.23%
    Outside of Metro Areas 1 $285,000 $285,000 $0 3.50%
    Dodge City, KS (FHA|USDA|VA) 3 $285,000 $95,000 $3,531 2.83%
    Aberdeen, WA (FHA|USDA|VA) 1 $265,000 $265,000 $3,542 3.00%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $265,000 $265,000 $3,978 2.38%
    COLUMBUS, OH (FHA|USDA|VA) 1 $265,000 $265,000 $4,513 2.88%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $265,000 $265,000 $1,384 2.50%
    Evanston, WY (FHA|USDA|VA) 1 $265,000 $265,000 $4,099 3.38%
    La Grande, OR (FHA|USDA|VA) 1 $265,000 $265,000 $3,616 3.38%
    STOCKTON, CA (FHA|USDA|VA) 1 $255,000 $255,000 $4,751 3.00%
    Huntsville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $13,026 2.38%
    Grand Rapids, MN (FHA|USDA|VA) 1 $255,000 $255,000 $3,957 3.00%
    Garden City, KS (FHA|USDA|VA) 1 $245,000 $245,000 $1,998 3.25%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,560 2.75%
    CHEYENNE, WY (FHA|USDA|VA) 1 $235,000 $235,000 $7,002 2.88%
    FLINT, MI (FHA|USDA|VA) 1 $235,000 $235,000 $949 2.63%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $1,601 2.50%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,752 3.00%
    North Platte, NE (FHA|USDA|VA) 1 $215,000 $215,000 $3,558 3.13%
    Spearfish, SD (FHA|USDA|VA) 1 $215,000 $215,000 $3,952 3.50%
    Helena, MT (FHA|USDA|VA) 1 $215,000 $215,000 $5,151 3.13%
    Warsaw, IN (FHA|USDA|VA) 1 $215,000 $215,000 $4,448 3.13%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $215,000 $215,000 $2,032 3.00%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $205,000 $205,000 $8,753 2.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $3,036 3.38%
    ROCHESTER, NY (FHA|USDA|VA) 1 $205,000 $205,000 $4,603 2.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,699 3.38%
    Granbury, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,839 3.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $195,000 $195,000 $3,237 3.38%
    CARSON CITY, NV (FHA|USDA|VA) 1 $195,000 $195,000 $587 2.25%
    YUMA, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $5,736 2.75%
    Russellville, AR (FHA|USDA|VA) 1 $195,000 $195,000 $1,765 2.63%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $195,000 $195,000 $3,534 3.13%
    Marinette, WI-MI (FHA|USDA|VA) 1 $185,000 $185,000 $6,247 3.00%
    Payson, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $2,274 3.00%
    Hays, KS (FHA|USDA|VA) 1 $175,000 $175,000 $2,777 2.88%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $165,000 $165,000 $2,905 3.38%
    LINCOLN, NE (FHA|USDA|VA) 1 $165,000 $165,000 $2,117 2.75%
    JACKSON, TN (FHA|USDA|VA) 1 $165,000 $165,000 $1,288 2.88%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,421 2.38%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.63%
    OWENSBORO, KY (FHA|USDA|VA) 1 $155,000 $155,000 $3,402 2.50%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $155,000 $155,000 $1,820 2.50%
    Hutchinson, KS (FHA|USDA|VA) 1 $145,000 $145,000 $4,504 2.88%
    FARMINGTON, NM (FHA|USDA|VA) 1 $145,000 $145,000 $5,690 2.88%
    ENID, OK (FHA|USDA|VA) 1 $145,000 $145,000 $5,270 2.88%
    Columbus, MS (FHA|USDA|VA) 1 $145,000 $145,000 $687 2.25%
    Rolla, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,472 2.25%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,856 3.38%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $115,000 $115,000 $4,270 2.75%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $115,000 $115,000 $5,087 3.25%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $105,000 $105,000 $2,899 3.38%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.50%
    CORVALLIS, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.00%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $105,000 $105,000 $622 2.50%
    Alamogordo, NM (FHA|USDA|VA) 1 $95,000 $95,000 $3,072 3.13%
    Elko, NV (FHA|USDA|VA) 1 $95,000 $95,000 $3,549 2.88%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $95,000 $95,000 $2,074 3.37%
    Hastings, NE (FHA|USDA|VA) 1 $75,000 $75,000 $3,667 2.50%
    Burlington, IA-IL (FHA|USDA|VA) 1 $55,000 $55,000 $3,880 3.25%
    Nbh Bank's top markets include Colorado Springs, Denver, Salt Lake City, Kansas City, and Provo among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,077 $1,616,755,000 $318,447 $3,329 3.14%
    VA 1,039 $419,295,000 $403,556 $6,397 2.54%
    FHA 486 $120,040,000 $246,996 $7,461 3.07%
    HELOC 374 $34,880,000 $93,262 n/a 4.04%
    USDA 53 $10,605,000 $200,094 $3,698 2.79%

    For 2021, Nbh Bank's most frequently originated type of loan was Conventional, with 5,077 originations. Their 2nd most popular type was VA, with 1,039 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,412 $1,232,430,000 $361,205 $5,160 3.11%
    Refi 2,136 $583,190,000 $273,029 $2,725 2.94%
    Cash Out Refi 1,210 $356,230,000 $294,405 $3,825 3.10%
    Home Improvement 182 $15,400,000 $84,615 $944 4.04%
    Other 89 $14,325,000 $160,955 $2,565 3.79%

    For 2021, Nbh Bank's most frequently cited loan purpose was Home Purchase, with 3,412 originations. The 2nd most popular reason was Refi, with 2,136 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,743 $1,889,195,000 $328,956 $4,250 3.05%
    15 Year 590 $118,680,000 $201,153 $2,557 2.69%
    10 Year 396 $35,790,000 $90,379 $920 4.04%
    30+ year 100 $78,480,000 $784,800 $12,273 3.59%
    20 Year 85 $21,905,000 $257,706 $2,814 2.98%
    Other 80 $26,130,000 $326,625 $3,256 3.15%
    5 Year 22 $4,300,000 $195,455 $150 3.92%
    1 Year 10 $2,300,000 $230,000 $3,148 4.64%
    3 Year 3 $24,795,000 $8,265,000 $14 3.47%

    For 2021, Nbh Bank's most frequently cited loan duration was 30 Year, with 5,743 originations. The 2nd most popular length was 15 Year, with 590 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,705 $916,225,000 $338,715
    $<1k 2,474 $691,950,000 $279,689
    $2k-3k 378 $133,460,000 $353,069
    $3k-4k 196 $74,260,000 $378,878
    $4k-5k 140 $59,790,000 $427,071
    $5k+ 131 $107,015,000 $816,908

    Nbh Bank's average total fees were $4,250, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,705 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,937 $912,695,000 $310,758
    2.5-3% 2,661 $863,305,000 $324,429
    <2.5% 1,099 $367,095,000 $334,026
    4-5% 303 $55,885,000 $184,439
    5-6% 27 $2,455,000 $90,926
    6-7% 2 $140,000 $70,000

    During 2021, Nbh Bank's average interest rate for loans was 3.05%, while their most frequently originated rate bucket for loans was 3-4%, with 2,937 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,006 $887,520,000 $295,250 $4,037 3.02%
    $400k-600k 1,509 $730,515,000 $484,105 $5,050 2.95%
    $100k-200k 1,489 $226,775,000 $152,300 $2,812 3.13%
    $100,000 or less 694 $41,910,000 $60,389 $1,932 3.64%
    $600k-1MM 258 $184,370,000 $714,612 $8,335 3.03%
    $1MM+ 73 $130,485,000 $1,787,466 $13,552 3.15%

    2021 saw Nbh Bank place emphasis on $200k-400k loans with 3,006 originations, totaling $887,520,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,465 $491,855,000 $335,737 $4,635 3.09%
    $50k-75k 1,455 $352,305,000 $242,134 $4,227 3.12%
    $75k-100k 1,224 $367,470,000 $300,221 $4,348 3.12%
    $150k-250k 1,027 $417,215,000 $406,246 $4,608 3.15%
    $50k or less 914 $134,190,000 $146,816 $3,118 3.14%
    $250k+ 481 $266,055,000 $553,129 $5,852 3.24%

    Nbh Bank lent most frequently to those with incomes in the $100k-150k range, with 1,465 originations. The second most popular income band? $50k-75k, with 1,455 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,562 $448,920,000 $287,401 $3,733 3.12%
    30-36% 1,237 $394,985,000 $319,309 $4,101 3.13%
    <20% 687 $174,245,000 $253,632 $3,093 3.15%
    40% 263 $83,295,000 $316,711 $4,420 3.20%
    44% 263 $83,605,000 $317,890 $4,449 3.14%
    41% 256 $82,860,000 $323,672 $4,655 3.13%
    42% 250 $78,790,000 $315,160 $4,785 3.20%
    43% 243 $80,095,000 $329,609 $4,661 3.11%
    37% 238 $77,630,000 $326,176 $4,186 3.11%
    38% 234 $75,650,000 $323,291 $4,659 3.12%
    39% 229 $71,275,000 $311,245 $4,553 3.18%
    36% 219 $70,505,000 $321,941 $4,059 3.19%
    50-60% 215 $78,265,000 $364,023 $8,343 2.90%
    49% 187 $61,785,000 $330,401 $4,587 3.05%
    45% 159 $55,705,000 $350,346 $4,962 3.05%
    46% 145 $46,935,000 $323,690 $5,203 3.08%
    47% 131 $43,765,000 $334,084 $5,055 3.06%
    48% 123 $38,815,000 $315,569 $4,527 3.05%
    >60% 17 $7,445,000 $437,941 $5,588 3.66%

    Nbh Bank lent most frequently to those with DTI ratios of 20-30%, with 1,562 originations. The next most common DTI ratio? 30-36%, with 1,237 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,870 $1,467,760,000 $301,388 $3,969 3.07%
    Not provided 1,801 $598,365,000 $332,240 $4,752 3.16%
    Black 183 $50,605,000 $276,530 $4,266 3.11%
    Asian 120 $41,380,000 $344,833 $4,419 3.01%
    Not applicable 7 $27,545,000 $3,935,000 $0 3.94%
    American Indian 28 $8,050,000 $287,500 $4,573 3.07%
    Native Hawaiian or Islander 10 $3,370,000 $337,000 $3,718 3.17%
    Filipino 2 $1,510,000 $755,000 $7,700 3.31%
    Asian Indian 2 $740,000 $370,000 $2,559 3.06%
    Chinese 1 $595,000 $595,000 $3,154 3.25%
    Other Asian 1 $575,000 $575,000 $0 2.88%
    Japanese 1 $565,000 $565,000 $24,222 2.25%
    Korean 2 $340,000 $170,000 $1,945 2.94%
    Vietnamese 1 $175,000 $175,000 $2,434 2.50%

    Approval Rates

    Total approvals of all applications
    95.33%

    Nbh Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    74.92%

    Nbh Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,029 $2,201,575,000 $313,213

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,029 $2,201,575,000 $313,213

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 508 $86,590,000 $170,453 $2,725 3.19%
    40-60% 1,072 $326,630,000 $304,692 $3,108 2.97%
    60-80% 2,435 $837,645,000 $344,002 $3,605 3.12%
    80-100% 2,527 $852,085,000 $337,192 $4,592 3.01%
    Over 100% 178 $77,840,000 $437,303 $14,787 2.64%
    Under 20% 308 $20,420,000 $66,299 $1,129 4.02%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    NOVA Financial Holding Company, LLC Conventional home mortgage Closing on a mortgage 1 33.3%
    NOVA Financial Holding Company, LLC FHA mortgage Closing on a mortgage 1 33.3%
    NOVA Financial Holding Company, LLC Other type of mortgage Closing on a mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Nbh Bank 100 Main Street Grand Junction, CO 81501 Full Service B&M $24,587
    Nbh Bank 120 So Elizabeth St Elizabeth, CO 80107 Full Service B&M $62,249
    Nbh Bank 1205 Ne Douglas Street Lees Summit, MO 64086 Full Service B&M $58,798
    Nbh Bank 121 East Main Street Questa, NM 87556 Full Service B&M $30,443
    Nbh Bank 1211 Main Street Lexington, MO 64067 Full Service B&M $52,577
    Nbh Bank 123 W. 1st Street Pueblo, CO 81003 Full Service B&M $18,051
    Nbh Bank 12500 South 71 Highway Grandview, MO 64030 Full Service B&M $97,261
    Nbh Bank 1304 N. Walnut Cameron, MO 64429 Full Service B&M $90,343
    Nbh Bank 13270 Metcalf Avenue Overland Park, KS 66213 Full Service B&M $121,867
    Nbh Bank 13425 Shawnee Mission Parkway Shawnee, KS 66216 Full Service B&M $62,202
    Nbh Bank 1356 Paseo Del Pueblo Sur Taos, NM 87571 Full Service B&M $141,762
    Nbh Bank 14735 West 119th Street Olathe, KS 66062 Full Service B&M $39,483
    Nbh Bank 15040 West 87th Street Lenexa, KS 66215 Full Service B&M $98,826
    Nbh Bank 2061 Main Street Alamosa, CO 81101 Full Service B&M $58,472
    Nbh Bank 210 N. Mill St. Aspen, CO 81611 Full Service B&M $124,860
    Nbh Bank 212 South Broadway Louisburg, KS 66053 Full Service B&M $32,665
    Nbh Bank 2155 Louisiana Blvd Ne Albuquerque, NM 87110 Full Service B&M $41,623
    Nbh Bank 219 South Main Street Rock Port, MO 64482 Full Service B&M $68,762
    Nbh Bank 231 Silver Street Lake City, CO 81235 Full Service B&M $24,496
    Nbh Bank 255 Gold Rivers Road, #140 Basalt, CO 81621 Full Service B&M $59,975
    Nbh Bank 2710 Walsh Tarlton Lane Austin, TX 78746 Full Service B&M $33,484
    Nbh Bank 277 Broadway Denver, CO 80203 Full Service B&M $132,458
    Nbh Bank 29889 Us Highway 160 South Fork, CO 81154 Full Service B&M $47,891
    Nbh Bank 301 North Commerce Drive Bayfield, CO 81122 Full Service B&M $69,532
    Nbh Bank 305 South Guyrene Street Dove Creek, CO 81324 Full Service B&M $38,464
    Nbh Bank 3095 South Parker Road Aurora, CO 80014 Full Service Retail $19,171
    Nbh Bank 4532 Boardwalk Drive Fort Collins, CO 80525 Full Service B&M $56,182
    Nbh Bank 4600 Shawnee Drive Kansas City, KS 66106 Full Service B&M $74,908
    Nbh Bank 4831 West 6th Street Lawrence, KS 66049 Full Service B&M $60,849
    Nbh Bank 501 Main Street La Jara, CO 81140 Full Service B&M $70,780
    Nbh Bank 501 Main Street Walsenburg, CO 81089 Full Service B&M $60,565
    Nbh Bank 502 N Main St Maryville, MO 64468 Limited, Drive-thru $0
    Nbh Bank 503 6th Street Crested Butte, CO 81224 Full Service B&M $94,387
    Nbh Bank 5175 North Academy Boulevard Colorado Springs, CO 80918 Full Service B&M $49,404
    Nbh Bank 520 Highway 24 South Buena Vista, CO 81211 Full Service B&M $44,445
    Nbh Bank 6249 Brookside Boulevard Kansas City, MO 64113 Full Service B&M $41,010
    Nbh Bank 6425 North Oak Trafficway Gladstone, MO 64118 Full Service B&M $91,733
    Nbh Bank 6430 North Cosby Avenue Kansas City, MO 64151 Full Service B&M $47,560
    Nbh Bank 1580 N Church Road Liberty, MO 64068 Full Service B&M $126,807
    Nbh Bank 1701 Main Ave Durango, CO 81301 Full Service B&M $50,968
    Nbh Bank 18301 East 40 Highway Independence, MO 64055 Full Service B&M $106,706
    Nbh Bank 18601 East Main Street Parker, CO 80134 Full Service B&M $80,000
    Nbh Bank 1899 Woodmoor Drive Monument, CO 80132 Full Service B&M $122,856
    Nbh Bank 19 North Tejon, Ste 100 Colorado Springs, CO 80903 Full Service B&M $57,575
    Nbh Bank 200 North Spartan Drive Richmond, MO 64085 Full Service B&M $102,276
    Nbh Bank 2002 East Santa Fe Olathe, KS 66062 Full Service B&M $87,565
    Nbh Bank 201 N. Jesse James Road Excelsior Springs, MO 64024 Full Service B&M $152,945
    Nbh Bank 201 North Elson Street Kirksville, MO 63501 Full Service B&M $155,614
    Nbh Bank 201 North Main Street Rocky Ford, CO 81067 Full Service B&M $29,637
    Nbh Bank 2045 Broadway Street Boulder, CO 80302 Full Service B&M $8,761
    Nbh Bank 3102 Maple Ave, Suite 24 Dallas, TX 75201 Full Service B&M $205,632
    Nbh Bank 313 Chambers Ave. Unit A Eagle, CO 81631 Full Service B&M $24,525
    Nbh Bank 326 Comanche Street Kiowa, CO 80117 Full Service B&M $54,721
    Nbh Bank 330 S 12th Street Unit B Stuite 1 Montrose, CO 81401 Full Service B&M $25,003
    Nbh Bank 345 South Washington Street Chillicothe, MO 64601 Full Service B&M $80,260
    Nbh Bank 3473 W. 32nd Ave Denver, CO 80211 Full Service B&M $26,262
    Nbh Bank 3501 South Broadway Englewood, CO 80110 Full Service B&M $41,550
    Nbh Bank 3635 23rd Avenue Evans, CO 80620 Full Service B&M $101,135
    Nbh Bank 3780 West 10th Street Greeley, CO 80634 Full Service B&M $104,800
    Nbh Bank 385 Justin Avenue Platteville, CO 80651 Full Service B&M $27,749
    Nbh Bank 400 Harrison Avenue Leadville, CO 80461 Full Service B&M $78,089
    Nbh Bank 402 North Main Maryville, MO 64468 Full Service B&M $130,115
    Nbh Bank 434 South Main Street Ottawa, KS 66067 Full Service B&M $92,556
    Nbh Bank 651 Scott Avenue Woodland Park, CO 80863 Full Service B&M $19,694
    Nbh Bank 710 Paseo Del Pueblo Sur Suite A Taos, NM 87571 Full Service B&M $15,904
    Nbh Bank 7530 Grandview Avenue Arvada, CO 80002 Full Service B&M $82,889
    Nbh Bank 7579 West 151st Street Overland Park, KS 66223 Full Service B&M $48,665
    Nbh Bank 7800 East Orchard Road Suite 200 Greenwood Village, CO 80111 Full Service B&M $518,817
    Nbh Bank 7804 State Avenue Kansas City, KS 66112 Full Service B&M $76,710
    Nbh Bank 7900 East 1st Avenue Denver, CO 80230 Full Service B&M $25,481
    Nbh Bank 7904 Ward Parkway Kansas City, MO 64114 Full Service B&M $33,131
    Nbh Bank 801 N 500 W, Ste 202 West Bountiful, UT 84010 Full Service B&M $29,439
    Nbh Bank 801 N. 36th Street St. Joseph, MO 64506 Full Service B&M $91,360
    Nbh Bank 931 West Foxwood Dr. Raymore, MO 64083 Full Service B&M $35,044
    Nbh Bank 100 West Colorado Avenue, Unit C Telluride, CO 81435 Full Service B&M $56,647
    Nbh Bank 1002 N Us Highway 65 Carrollton, MO 64633 Full Service B&M $21,987
    Nbh Bank 101 East Warren Avenue Cripple Creek, CO 80813 Full Service B&M $44,152
    Nbh Bank 102 South Highway 71 Savannah, MO 64485 Full Service B&M $41,119
    Nbh Bank 110 South Fourth Street Edwardsville, KS 66113 Full Service B&M $65,290
    Nbh Bank 1100 N.W. Outer Road Blue Springs, MO 64015 Full Service B&M $60,727
    Nbh Bank 1100 North Main Street Gunnison, CO 81230 Full Service B&M $66,947
    Nbh Bank 1111 Main Street Suite 100 Kansas City, MO 64105 Full Service B&M $516,100

    For 2021, Nbh Bank had 82 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $200,965
    Net interest income $187,342
    Total noninterest income $111,497
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $14,079
    Trading account gains and fees $11
    Additional Noninterest Income $97,407
    Pre-tax net operating income $125,279
    Securities gains (or losses, -) $0
    Income before extraordinary items $100,866
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $100,866
    Minority interest net income $0
    Net income $100,866
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $100,866

    Nbh Bank's gross interest income from loans was $200,965,000.
    Nbh Bank's net interest income from loans was $187,342,000.
    Nbh Bank's fee based income from loans was $14,079,000.
    Nbh Bank's net income from loans was $100,866,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,623
    Provision for credit losses $-9,293
    Total noninterest expense $182,853
    Salaries and employee benefits $121,882
    Premises and equipment expense $25,192
    Additional noninterest expense $35,779
    Applicable income taxes $24,413
    Net charge-offs $1,264
    Cash dividends $63,003

    Nbh Bank's interest expense for loans was $13,623,000.
    Nbh Bank's payroll and benefits expense were $121,882,000.
    Nbh Bank's property, plant and equipment expenses $25,192,000.

    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 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $6,339,009
    Deposits held in domestic offices $6,339,009
    Deposits by Individuals, partnerships, and corporations $5,844,732
    Deposits by U.S. Government $8
    Deposits by States and political subdivisions in the U.S. $457,614
    Deposits by Commercial banks and other depository institutions in U.S. $36,655
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $3,167,977
    Demand deposits $3,167,977
    Nontransaction accounts $3,171,032
    Money market deposit accounts (MMDAs) $1,562,557
    Other savings deposits (excluding MMDAs) $774,559
    Total time deposits $833,917
    Total time and savings deposits $3,171,032
    Noninterest-bearing deposits $2,621,337
    Interest-bearing deposits $3,717,672
    Retail deposits $6,217,583
    IRAs and Keogh plan accounts $143,816
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,187,889
    Cash & Balances due from depository institutions $838,712
    Interest-bearing balances $787,530
    Total securities $1,300,391
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,602,831
    Loan and leases loss allowance $49,694
    Trading account assets $8,321
    Bank premises and fixed assets $116,419
    Other real estate owned $7,005
    Goodwill and other intangibles $127,349
    All other assets $186,861

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,187,889
    Total Liabilities $6,441,754
    Total deposits $6,339,009
    Interest-bearing deposits $3,717,672
    Deposits held in domestic offices $6,339,009
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $22,768
    Trading liabilities $8,329
    Other borrowed funds $20,253
    Subordinated debt $0
    All other liabilities $51,395

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,602,831
    Loan and leases loss allowance $49,694
    Total loans and leases (domestic) $4,652,525
    All real estate loans $2,093,419
    Real estate loans in domestic offices $2,093,419
    Construction and development loans $176,583
    Residential 1-4 family construction $55,425
    Other construction, all land development and other land $121,158
    Loans secured by nonfarm nonresidential properties $969,488
    Nonfarm nonresidential secured by owner-occupied properties $496,716
    Commercial real estate & other non-farm, non-residential $472,772
    Multifamily residential real estate $92,174
    1-4 family residential loans $773,092
    Farmland loans $82,082
    Loans held in foreign offices $0
    Farm loans $121,508
    Commercial and industrial loans $1,490,973
    To non-U.S. addressees $0
    Loans to individuals $17,581
    Credit card loans $0
    Related Plans $2,809
    Consumer Auto Loans $6,285
    Other loans to individuals $8,487
    All other loans & leases $929,045
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $6,957
    Non 1-4 family restructured loans & leases $4,609
    Total loans and leases (foreign) $0

    NBH Bank had $4,602,831,000 of loans outstanding in 2021. $2,093,419,000 of loans were in real estate loans. $176,583,000 of loans were in development loans. $92,174,000 of loans were in multifamily mortgage loans. $773,092,000 of loans were in 1-4 family mortgage loans. $121,508,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,285,000 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 601 $160,059 $266,321
    Nonfarm, nonresidential loans - <$100k 87 $3,335 $38,333
    Nonfarm, nonresidential loans - $100-250k 171 $21,853 $127,795
    Nonfarm, nonresidential loans - $250k-1MM 343 $134,871 $393,210
    Commercial & Industrial, US addressed loans - <$1MM 1,185 $125,018 $105,500
    Commercial & Industrial, US addressed loans - <$100k 634 $12,828 $20,233
    Commercial & Industrial, US addressed loans - $100-250k 214 $19,330 $90,327
    Commercial & Industrial, US addressed loans - $250k-1MM 337 $92,860 $275,549
    Farmland loans - <$1MM 125 $9,771 $78,168
    Farmland loans - <$100k 59 $1,513 $25,644
    Farmland loans - $100-250k 43 $4,065 $94,535
    Farmland loans - $250k-1MM 23 $4,193 $182,304
    Agriculture operations loans - <$1MM 170 $7,597 $44,688
    Agriculture operations loans - <$100k 127 $2,334 $18,378
    Agriculture operations loans - $100-250k 31 $3,228 $104,129
    Agriculture operations loans - $250k-1MM 12 $2,035 $169,583