First Savings Bank Mortgage Rates, Fees & Info

Clarksville, IN

LEI: WKN6AF1FCL7BBYGTGI83

Tax ID: 35-0309764

4.88 stars - out of 5 stars, based on 120 reviews

2020 Data | 2019 Data | 2018 Data


Overview

First Savings Bank is a mid-sized bank specializing in Refi, Home Purchase, and Cash Out Refi loans. First Savings Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Chicago, Louisville/jefferson County, Warren, Los Angeles, and Cambridge among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. First Savings Bank is typically an average fee lendor.


Originations

14,447

Origination Dollar Volume (All Markets)

$4,063,925,000

Employee count

647 Show all (33) awards

Relative Rate

First Savings Bank's average 30 year fixed rate mortgage of loans were 3.23%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.13%.

Relative Fees

First Savings Bank's average total fees for a 30 year fixed rate mortgage are $5,400.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 1,047 $292,445,000 $279,317 $4,008 3.44%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1,269 $263,375,000 $207,545 $3,342 3.29%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 763 $176,995,000 $231,972 $4,470 3.23%
Outside of Metro Areas 831 $175,435,000 $211,113 $4,831 3.25%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 360 $145,700,000 $404,722 $6,293 3.20%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 324 $121,560,000 $375,185 $3,232 3.12%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 290 $111,860,000 $385,724 $4,883 3.04%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 305 $102,355,000 $335,590 $5,991 3.13%
BOSTON, MA (FHA|USDA|VA) 272 $97,850,000 $359,743 $3,441 3.13%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 226 $94,520,000 $418,230 $4,890 3.13%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 324 $91,720,000 $283,086 $7,408 3.13%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 222 $87,550,000 $394,369 $9,523 3.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 334 $79,870,000 $239,132 $5,083 3.21%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 279 $79,285,000 $284,176 $7,795 3.27%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 311 $78,995,000 $254,003 $5,880 3.00%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 187 $77,395,000 $413,877 $4,351 3.31%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 179 $68,235,000 $381,201 $10,319 3.03%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 240 $67,390,000 $280,792 $3,485 3.41%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 159 $66,215,000 $416,447 $3,776 3.68%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 188 $58,470,000 $311,011 $6,465 3.16%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 179 $58,195,000 $325,112 $7,097 3.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 195 $58,125,000 $298,077 $4,327 3.39%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 195 $52,305,000 $268,231 $5,846 3.18%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 150 $50,140,000 $334,267 $6,056 3.17%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 140 $47,410,000 $338,643 $4,784 3.21%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 163 $44,285,000 $271,687 $5,764 3.16%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 141 $41,595,000 $295,000 $7,388 3.19%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 160 $41,220,000 $257,625 $5,015 3.21%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 139 $38,285,000 $275,432 $5,677 3.16%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 101 $36,815,000 $364,505 $8,273 3.03%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 162 $35,520,000 $219,259 $4,564 3.24%
NEWARK, NJ-PA (FHA|USDA|VA) 93 $32,245,000 $346,720 $7,555 3.02%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 101 $30,825,000 $305,198 $4,769 3.05%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 99 $29,925,000 $302,273 $7,005 3.05%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 134 $29,330,000 $218,881 $4,016 3.19%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 96 $27,830,000 $289,896 $6,716 3.14%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 70 $27,120,000 $387,429 $8,706 2.98%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 85 $23,165,000 $272,529 $4,805 3.07%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 76 $22,780,000 $299,737 $4,312 3.18%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 73 $21,975,000 $301,027 $5,522 3.14%
Outside of Metro Areas 69 $20,935,000 $303,406 $4,717 3.05%
WORCESTER, MA-CT (FHA|USDA|VA) 65 $20,465,000 $314,846 $4,107 3.05%
ST. LOUIS, MO-IL (FHA|USDA|VA) 84 $20,130,000 $239,643 $3,548 2.94%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 74 $19,480,000 $263,243 $5,896 3.12%
STOCKTON, CA (FHA|USDA|VA) 62 $19,470,000 $314,032 $5,199 3.31%
KANSAS CITY, MO-KS (FHA|USDA|VA) 90 $18,920,000 $210,222 $4,782 3.54%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 98 $17,690,000 $180,510 $4,273 3.25%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 38 $17,400,000 $457,895 $5,296 3.39%
ELGIN, IL (FHA|USDA|VA) 71 $17,155,000 $241,620 $4,766 3.21%
JACKSONVILLE, FL (FHA|USDA|VA) 65 $16,735,000 $257,462 $5,955 2.95%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 71 $16,175,000 $227,817 $3,795 2.93%
GARY, IN (FHA|USDA|VA) 67 $13,985,000 $208,731 $3,713 2.95%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 51 $13,505,000 $264,804 $4,153 2.97%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 51 $12,805,000 $251,078 $6,298 3.19%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 32 $12,760,000 $398,750 $5,912 3.10%
FRESNO, CA (FHA|USDA|VA) 39 $12,745,000 $326,795 $5,702 3.13%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 48 $12,480,000 $260,000 $3,671 3.24%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 37 $12,455,000 $336,622 $3,621 3.02%
FARGO, ND-MN (FHA|USDA|VA) 54 $11,440,000 $211,852 $4,662 2.98%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 37 $11,405,000 $308,243 $5,635 3.07%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 41 $11,295,000 $275,488 $6,263 3.10%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 46 $11,220,000 $243,913 $6,293 3.09%
SAN RAFAEL, CA (FHA|USDA|VA) 26 $11,060,000 $425,385 $4,155 3.17%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 48 $11,010,000 $229,375 $5,455 3.05%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 44 $10,520,000 $239,091 $5,972 3.20%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 26 $10,510,000 $404,231 $4,973 3.25%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 41 $9,725,000 $237,195 $3,987 2.99%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 27 $8,975,000 $332,407 $8,918 3.10%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 36 $8,870,000 $246,389 $5,408 3.15%
CAMDEN, NJ (FHA|USDA|VA) 40 $8,830,000 $220,750 $6,458 3.09%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 42 $8,780,000 $209,048 $5,337 3.33%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 18 $8,630,000 $479,444 $4,456 3.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 26 $8,620,000 $331,538 $7,096 3.08%
COLUMBUS, OH (FHA|USDA|VA) 33 $8,595,000 $260,455 $5,562 3.05%
TULSA, OK (FHA|USDA|VA) 45 $8,525,000 $189,444 $5,972 3.47%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 21 $8,345,000 $397,381 $5,366 3.34%
FLINT, MI (FHA|USDA|VA) 41 $8,285,000 $202,073 $4,616 3.28%
COLORADO SPRINGS, CO (FHA|USDA|VA) 25 $8,165,000 $326,600 $5,575 3.04%
PORT ST. LUCIE, FL (FHA|USDA|VA) 33 $8,045,000 $243,788 $5,717 3.17%
EVANSVILLE, IN-KY (FHA|USDA|VA) 50 $7,860,000 $157,200 $3,567 3.17%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 38 $7,820,000 $205,789 $3,017 3.53%
URBAN HONOLULU, HI (FHA|USDA|VA) 16 $7,820,000 $488,750 $6,751 3.05%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 22 $7,730,000 $351,364 $7,440 2.98%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 24 $7,720,000 $321,667 $7,290 3.08%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 25 $7,395,000 $295,800 $6,211 2.95%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 29 $7,315,000 $252,241 $5,836 2.87%
VALLEJO, CA (FHA|USDA|VA) 20 $7,260,000 $363,000 $5,773 3.14%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 36 $7,240,000 $201,111 $4,956 3.07%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 34 $6,750,000 $198,529 $5,074 3.06%
RICHMOND, VA (FHA|USDA|VA) 20 $6,580,000 $329,000 $7,243 3.15%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 27 $6,525,000 $241,667 $4,317 3.02%
RENO, NV (FHA|USDA|VA) 19 $6,195,000 $326,053 $7,182 3.12%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 23 $6,065,000 $263,696 $5,798 2.95%
RALEIGH-CARY, NC (FHA|USDA|VA) 22 $5,910,000 $268,636 $6,049 3.31%
TUCSON, AZ (FHA|USDA|VA) 20 $5,770,000 $288,500 $4,768 2.87%
PHILADELPHIA, PA (FHA|USDA|VA) 28 $5,640,000 $201,429 $6,916 3.13%
MODESTO, CA (FHA|USDA|VA) 19 $5,565,000 $292,895 $4,968 3.14%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 12 $5,510,000 $459,167 $5,465 3.40%
ROCHESTER, NY (FHA|USDA|VA) 29 $5,465,000 $188,448 $4,989 3.10%
WILMINGTON, NC (FHA|USDA|VA) 23 $5,335,000 $231,957 $5,446 3.30%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 19 $5,115,000 $269,211 $5,794 3.01%
SALINAS, CA (FHA|USDA|VA) 11 $5,065,000 $460,455 $8,992 3.16%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 18 $5,060,000 $281,111 $6,473 2.94%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 23 $4,965,000 $215,870 $5,033 2.93%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 21 $4,865,000 $231,667 $5,028 3.20%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 15 $4,765,000 $317,667 $7,464 3.23%
OKLAHOMA CITY, OK (FHA|USDA|VA) 23 $4,675,000 $203,261 $5,835 3.29%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 14 $4,550,000 $325,000 $7,547 2.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 20 $4,400,000 $220,000 $3,723 3.28%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 13 $4,385,000 $337,308 $4,707 3.12%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 22 $4,310,000 $195,909 $3,552 3.19%
COEUR D'ALENE, ID (FHA|USDA|VA) 12 $4,300,000 $358,333 $11,351 2.94%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 20 $4,260,000 $213,000 $5,507 3.00%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 14 $4,200,000 $300,000 $6,014 3.05%
SALEM, OR (FHA|USDA|VA) 14 $4,120,000 $294,286 $7,666 3.14%
GAINESVILLE, FL (FHA|USDA|VA) 17 $4,115,000 $242,059 $7,099 3.15%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 13 $4,025,000 $309,615 $7,155 2.84%
AKRON, OH (FHA|USDA|VA) 19 $3,835,000 $201,842 $5,247 3.14%
GREELEY, CO (FHA|USDA|VA) 10 $3,660,000 $366,000 $7,941 3.08%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 23 $3,635,000 $158,043 $4,834 3.32%
BAKERSFIELD, CA (FHA|USDA|VA) 12 $3,610,000 $300,833 $7,718 3.17%
COLUMBIA, SC (FHA|USDA|VA) 13 $3,505,000 $269,615 $6,149 3.07%
BOISE CITY, ID (FHA|USDA|VA) 13 $3,495,000 $268,846 $6,910 2.91%
ALBUQUERQUE, NM (FHA|USDA|VA) 15 $3,445,000 $229,667 $6,723 2.83%
ANN ARBOR, MI (FHA|USDA|VA) 14 $3,420,000 $244,286 $5,728 3.32%
STATE COLLEGE, PA (FHA|USDA|VA) 12 $3,370,000 $280,833 $6,140 2.89%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 13 $3,225,000 $248,077 $5,403 3.02%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 10 $3,150,000 $315,000 $6,304 2.98%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 10 $3,080,000 $308,000 $6,751 3.24%
PITTSBURGH, PA (FHA|USDA|VA) 13 $2,935,000 $225,769 $6,462 3.22%
BELLINGHAM, WA (FHA|USDA|VA) 7 $2,885,000 $412,143 $10,943 2.96%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 11 $2,875,000 $261,364 $5,414 2.95%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 11 $2,875,000 $261,364 $6,347 3.08%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 12 $2,870,000 $239,167 $7,628 2.85%
PROVO-OREM, UT (FHA|USDA|VA) 10 $2,840,000 $284,000 $5,956 2.99%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 12 $2,810,000 $234,167 $4,424 3.28%
JACKSON, MI (FHA|USDA|VA) 13 $2,765,000 $212,692 $3,735 3.10%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 11 $2,655,000 $241,364 $5,577 3.33%
DOVER, DE (FHA|USDA|VA) 9 $2,635,000 $292,778 $7,259 2.71%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 11 $2,605,000 $236,818 $7,165 2.98%
BOULDER, CO (FHA|USDA|VA) 8 $2,600,000 $325,000 $5,253 3.09%
KNOXVILLE, TN (FHA|USDA|VA) 10 $2,550,000 $255,000 $5,239 3.04%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 9 $2,535,000 $281,667 $6,669 2.94%
WINSTON-SALEM, NC (FHA|USDA|VA) 9 $2,485,000 $276,111 $8,504 3.18%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 8 $2,480,000 $310,000 $7,139 2.97%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 12 $2,430,000 $202,500 $4,288 3.19%
PUNTA GORDA, FL (FHA|USDA|VA) 11 $2,425,000 $220,455 $6,703 3.23%
REDDING, CA (FHA|USDA|VA) 9 $2,425,000 $269,444 $5,951 2.92%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 12 $2,420,000 $201,667 $4,213 3.26%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 11 $2,405,000 $218,636 $6,019 3.55%
ANCHORAGE, AK (FHA|USDA|VA) 9 $2,405,000 $267,222 $8,877 2.83%
SPRINGFIELD, MA (FHA|USDA|VA) 8 $2,220,000 $277,500 $7,649 3.08%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 9 $2,175,000 $241,667 $6,393 3.13%
MOBILE, AL (FHA|USDA|VA) 12 $2,170,000 $180,833 $3,255 3.33%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $2,135,000 $237,222 $5,049 3.32%
ASHEVILLE, NC (FHA|USDA|VA) 7 $2,125,000 $303,571 $8,941 3.91%
PEORIA, IL (FHA|USDA|VA) 9 $2,125,000 $236,111 $4,608 3.06%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 10 $2,110,000 $211,000 $6,396 2.98%
BATON ROUGE, LA (FHA|USDA|VA) 9 $2,095,000 $232,778 $5,462 3.19%
SALISBURY, MD-DE (FHA|USDA|VA) 7 $2,055,000 $293,571 $5,963 3.36%
SAVANNAH, GA (FHA|USDA|VA) 9 $2,045,000 $227,222 $6,714 3.13%
MERCED, CA (FHA|USDA|VA) 7 $2,015,000 $287,857 $11,163 3.21%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $2,000,000 $333,333 $6,875 2.92%
SPARTANBURG, SC (FHA|USDA|VA) 12 $1,990,000 $165,833 $4,273 3.18%
OCALA, FL (FHA|USDA|VA) 13 $1,955,000 $150,385 $4,716 3.17%
GREEN BAY, WI (FHA|USDA|VA) 5 $1,895,000 $379,000 $6,285 2.98%
BEND, OR (FHA|USDA|VA) 6 $1,890,000 $315,000 $4,746 3.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $1,890,000 $236,250 $3,799 3.05%
PANAMA CITY, FL (FHA|USDA|VA) 7 $1,865,000 $266,429 $4,800 2.73%
SIOUX FALLS, SD (FHA|USDA|VA) 9 $1,855,000 $206,111 $3,492 3.10%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $1,845,000 $615,000 $12,623 3.29%
NAPA, CA (FHA|USDA|VA) 4 $1,830,000 $457,500 $7,161 3.13%
LAS CRUCES, NM (FHA|USDA|VA) 6 $1,810,000 $301,667 $5,612 2.77%
CHICO, CA (FHA|USDA|VA) 6 $1,790,000 $298,333 $5,599 3.04%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $1,785,000 $255,000 $7,080 2.95%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $1,715,000 $245,000 $6,230 3.23%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 4 $1,700,000 $425,000 $4,036 3.31%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 6 $1,690,000 $281,667 $6,899 3.02%
SPRINGFIELD, MO (FHA|USDA|VA) 9 $1,645,000 $182,778 $5,176 3.25%
TOLEDO, OH (FHA|USDA|VA) 8 $1,630,000 $203,750 $4,113 2.95%
ROANOKE, VA (FHA|USDA|VA) 11 $1,615,000 $146,818 $3,522 3.06%
MEDFORD, OR (FHA|USDA|VA) 6 $1,600,000 $266,667 $9,048 2.96%
FAYETTEVILLE, NC (FHA|USDA|VA) 6 $1,590,000 $265,000 $5,539 3.08%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $1,570,000 $261,667 $5,499 2.92%
ERIE, PA (FHA|USDA|VA) 8 $1,560,000 $195,000 $9,643 3.22%
BILLINGS, MT (FHA|USDA|VA) 5 $1,495,000 $299,000 $5,971 3.00%
YAKIMA, WA (FHA|USDA|VA) 6 $1,490,000 $248,333 $6,707 2.79%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $1,485,000 $297,000 $6,132 3.03%
ST. GEORGE, UT (FHA|USDA|VA) 4 $1,450,000 $362,500 $4,819 2.97%
MADERA, CA (FHA|USDA|VA) 6 $1,400,000 $233,333 $3,926 3.06%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,400,000 $350,000 $6,229 2.97%
LONGVIEW, WA (FHA|USDA|VA) 6 $1,390,000 $231,667 $7,395 2.98%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $1,385,000 $197,857 $4,953 3.43%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,345,000 $448,333 $13,196 2.96%
YUBA CITY, CA (FHA|USDA|VA) 5 $1,335,000 $267,000 $4,695 2.93%
MONTGOMERY, AL (FHA|USDA|VA) 8 $1,320,000 $165,000 $2,804 3.02%
ODESSA, TX (FHA|USDA|VA) 5 $1,315,000 $263,000 $7,733 3.50%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $1,310,000 $327,500 $6,506 3.47%
VISALIA, CA (FHA|USDA|VA) 6 $1,310,000 $218,333 $6,106 3.27%
COLUMBUS, GA-AL (FHA|USDA|VA) 6 $1,290,000 $215,000 $4,175 3.10%
WARNER ROBINS, GA (FHA|USDA|VA) 5 $1,275,000 $255,000 $6,789 2.85%
RAPID CITY, SD (FHA|USDA|VA) 4 $1,270,000 $317,500 $5,131 2.63%
BRUNSWICK, GA (FHA|USDA|VA) 3 $1,225,000 $408,333 $3,681 3.21%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,185,000 $237,000 $7,190 2.98%
WENATCHEE, WA (FHA|USDA|VA) 4 $1,140,000 $285,000 $8,455 2.69%
GRANTS PASS, OR (FHA|USDA|VA) 4 $1,140,000 $285,000 $6,181 2.72%
WINCHESTER, VA-WV (FHA|USDA|VA) 5 $1,135,000 $227,000 $6,827 2.73%
ALBANY-LEBANON, OR (FHA|USDA|VA) 4 $1,130,000 $282,500 $6,248 2.72%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $1,120,000 $280,000 $10,269 3.59%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 5 $1,115,000 $223,000 $7,428 2.98%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 5 $1,105,000 $221,000 $6,344 3.00%
IDAHO FALLS, ID (FHA|USDA|VA) 4 $1,100,000 $275,000 $4,275 2.81%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,100,000 $275,000 $5,079 3.19%
BISMARCK, ND (FHA|USDA|VA) 4 $1,070,000 $267,500 $5,710 2.88%
CARBONDALE-MARION, IL (FHA|USDA|VA) 4 $1,070,000 $267,500 $2,870 2.97%
OCEAN CITY, NJ (FHA|USDA|VA) 4 $1,040,000 $260,000 $7,158 3.03%
SANTA FE, NM (FHA|USDA|VA) 4 $1,030,000 $257,500 $2,078 3.13%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $1,020,000 $255,000 $7,689 3.69%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 5 $1,015,000 $203,000 $6,910 3.63%
LOGAN, UT-ID (FHA|USDA|VA) 4 $1,000,000 $250,000 $6,651 2.75%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $990,000 $247,500 $2,926 3.41%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $975,000 $195,000 $5,365 2.98%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 5 $955,000 $191,000 $5,851 3.63%
TYLER, TX (FHA|USDA|VA) 4 $930,000 $232,500 $3,541 3.47%
ROCKFORD, IL (FHA|USDA|VA) 6 $900,000 $150,000 $2,895 3.27%
LAFAYETTE, LA (FHA|USDA|VA) 3 $865,000 $288,333 $5,389 2.75%
FAIRBANKS, AK (FHA|USDA|VA) 3 $865,000 $288,333 $5,108 2.88%
ST. CLOUD, MN (FHA|USDA|VA) 4 $850,000 $212,500 $4,199 3.06%
PUEBLO, CO (FHA|USDA|VA) 4 $840,000 $210,000 $5,124 3.34%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 3 $835,000 $278,333 $5,531 3.00%
CARSON CITY, NV (FHA|USDA|VA) 2 $830,000 $415,000 $11,123 3.19%
ABILENE, TX (FHA|USDA|VA) 3 $805,000 $268,333 $9,501 2.71%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $805,000 $268,333 $11,126 3.04%
OWENSBORO, KY (FHA|USDA|VA) 6 $800,000 $133,333 $2,690 3.00%
GETTYSBURG, PA (FHA|USDA|VA) 4 $800,000 $200,000 $6,620 3.44%
THE VILLAGES, FL (FHA|USDA|VA) 3 $785,000 $261,667 $10,110 3.42%
MORRISTOWN, TN (FHA|USDA|VA) 3 $785,000 $261,667 $3,961 2.71%
GAINESVILLE, GA (FHA|USDA|VA) 3 $765,000 $255,000 $2,655 3.29%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $760,000 $190,000 $4,841 3.06%
MIDLAND, TX (FHA|USDA|VA) 2 $750,000 $375,000 $6,809 3.25%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 4 $740,000 $185,000 $6,058 2.72%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $735,000 $245,000 $5,343 2.88%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 4 $730,000 $182,500 $5,847 3.34%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 4 $720,000 $180,000 $5,483 2.97%
SYRACUSE, NY (FHA|USDA|VA) 4 $720,000 $180,000 $3,964 3.41%
CASPER, WY (FHA|USDA|VA) 2 $710,000 $355,000 $8,197 3.31%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $690,000 $172,500 $4,970 3.31%
WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $685,000 $228,333 $2,612 3.13%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 3 $675,000 $225,000 $3,811 2.92%
LAWTON, OK (FHA|USDA|VA) 3 $675,000 $225,000 $4,056 2.79%
GOLDSBORO, NC (FHA|USDA|VA) 3 $675,000 $225,000 $6,426 3.13%
MONROE, LA (FHA|USDA|VA) 3 $665,000 $221,667 $6,103 2.79%
TOPEKA, KS (FHA|USDA|VA) 4 $650,000 $162,500 $5,388 3.63%
MISSOULA, MT (FHA|USDA|VA) 2 $650,000 $325,000 $4,979 3.06%
MONROE, MI (FHA|USDA|VA) 4 $630,000 $157,500 $3,293 3.59%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $630,000 $315,000 $9,437 2.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $630,000 $315,000 $8,105 2.88%
COLUMBIA, MO (FHA|USDA|VA) 2 $620,000 $310,000 $6,921 2.63%
FORT SMITH, AR-OK (FHA|USDA|VA) 3 $615,000 $205,000 $5,074 3.13%
LINCOLN, NE (FHA|USDA|VA) 3 $615,000 $205,000 $4,831 3.13%
CHEYENNE, WY (FHA|USDA|VA) 2 $610,000 $305,000 $7,562 2.50%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $605,000 $201,667 $4,678 3.42%
ALTOONA, PA (FHA|USDA|VA) 3 $605,000 $201,667 $7,111 3.33%
SAGINAW, MI (FHA|USDA|VA) 3 $605,000 $201,667 $6,632 3.08%
JOHNSTOWN, PA (FHA|USDA|VA) 3 $605,000 $201,667 $8,420 2.71%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $590,000 $295,000 $8,303 3.06%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $580,000 $290,000 $6,159 2.50%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $575,000 $191,667 $4,660 2.75%
BOWLING GREEN, KY (FHA|USDA|VA) 3 $565,000 $188,333 $4,071 3.21%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $540,000 $270,000 $5,125 3.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $535,000 $178,333 $5,422 3.08%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $530,000 $265,000 $7,077 2.50%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $520,000 $260,000 $4,084 2.50%
GADSDEN, AL (FHA|USDA|VA) 2 $520,000 $260,000 $3,007 3.44%
READING, PA (FHA|USDA|VA) 3 $515,000 $171,667 $5,989 2.88%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $505,000 $505,000 $12,133 3.25%
KOKOMO, IN (FHA|USDA|VA) 2 $500,000 $250,000 $3,177 3.75%
APPLETON, WI (FHA|USDA|VA) 2 $480,000 $240,000 $6,036 3.00%
DULUTH, MN-WI (FHA|USDA|VA) 3 $465,000 $155,000 $3,924 4.00%
EL PASO, TX (FHA|USDA|VA) 3 $455,000 $151,667 $9,643 3.13%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $450,000 $225,000 $10,575 3.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $445,000 $445,000 $3,593 2.88%
LYNCHBURG, VA (FHA|USDA|VA) 2 $440,000 $220,000 $5,608 3.13%
KANKAKEE, IL (FHA|USDA|VA) 3 $435,000 $145,000 $3,154 3.54%
BURLINGTON, NC (FHA|USDA|VA) 2 $430,000 $215,000 $4,606 3.69%
PITTSFIELD, MA (FHA|USDA|VA) 2 $430,000 $215,000 $8,285 3.88%
ROME, GA (FHA|USDA|VA) 1 $425,000 $425,000 $4,084 2.63%
WHEELING, WV-OH (FHA|USDA|VA) 4 $420,000 $105,000 $6,526 4.09%
CHARLESTON, WV (FHA|USDA|VA) 3 $415,000 $138,333 $6,333 3.17%
KINGSTON, NY (FHA|USDA|VA) 1 $415,000 $415,000 $4,066 3.88%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $410,000 $205,000 $8,341 2.38%
FORT WAYNE, IN (FHA|USDA|VA) 2 $390,000 $195,000 $6,497 2.94%
WACO, TX (FHA|USDA|VA) 2 $390,000 $195,000 $2,994 2.81%
HAMMOND, LA (FHA|USDA|VA) 2 $380,000 $190,000 $4,528 2.75%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $380,000 $190,000 $4,472 3.56%
YUMA, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $10,102 2.75%
ALBANY, GA (FHA|USDA|VA) 1 $355,000 $355,000 $9,007 2.75%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $345,000 $345,000 $3,404 3.38%
NEW BERN, NC (FHA|USDA|VA) 2 $340,000 $170,000 $5,780 3.13%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $340,000 $170,000 $4,478 3.13%
MADISON, WI (FHA|USDA|VA) 2 $320,000 $160,000 $2,982 3.31%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $320,000 $160,000 $3,182 3.69%
EL CENTRO, CA (FHA|USDA|VA) 2 $320,000 $160,000 $3,142 2.94%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $315,000 $315,000 $1,847 2.88%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $310,000 $155,000 $6,474 2.75%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $305,000 $305,000 $7,533 3.50%
MORGANTOWN, WV (FHA|USDA|VA) 1 $305,000 $305,000 $6,872 2.88%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $290,000 $145,000 $5,119 3.88%
MANHATTAN, KS (FHA|USDA|VA) 2 $290,000 $145,000 $1,641 2.25%
BANGOR, ME (FHA|USDA|VA) 2 $290,000 $145,000 $6,468 4.63%
NILES, MI (FHA|USDA|VA) 2 $290,000 $145,000 $3,824 2.94%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $285,000 $285,000 $2,115 3.38%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $275,000 $275,000 $4,881 2.25%
JONESBORO, AR (FHA|USDA|VA) 1 $265,000 $265,000 $2,981 2.75%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $255,000 $255,000 $6,525 3.50%
LEBANON, PA (FHA|USDA|VA) 1 $255,000 $255,000 $4,274 3.25%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $255,000 $255,000 $6,591 3.25%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $245,000 $245,000 $1,598 3.00%
VICTORIA, TX (FHA|USDA|VA) 1 $245,000 $245,000 $5,219 2.25%
LANCASTER, PA (FHA|USDA|VA) 1 $235,000 $235,000 $4,601 3.00%
HINESVILLE, GA (FHA|USDA|VA) 2 $230,000 $115,000 $2,507 3.44%
GREAT FALLS, MT (FHA|USDA|VA) 1 $225,000 $225,000 $3,820 2.50%
ROCHESTER, MN (FHA|USDA|VA) 1 $225,000 $225,000 $6,083 2.75%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $220,000 $110,000 $2,636 4.00%
WALLA WALLA, WA (FHA|USDA|VA) 1 $215,000 $215,000 $1,735 3.50%
GREENVILLE, NC (FHA|USDA|VA) 1 $215,000 $215,000 $10,338 3.63%
VALDOSTA, GA (FHA|USDA|VA) 2 $210,000 $105,000 $4,678 3.19%
FLORENCE, SC (FHA|USDA|VA) 1 $205,000 $205,000 $7,812 3.13%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $205,000 $205,000 $5,364 2.75%
RACINE, WI (FHA|USDA|VA) 1 $205,000 $205,000 $4,812 3.50%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $195,000 $195,000 $3,523 2.75%
HATTIESBURG, MS (FHA|USDA|VA) 1 $195,000 $195,000 $6,641 2.50%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $195,000 $195,000 $5,522 2.25%
BECKLEY, WV (FHA|USDA|VA) 1 $175,000 $175,000 $5,578 2.25%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $175,000 $175,000 $4,265 3.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $175,000 $175,000 $6,659 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $175,000 $175,000 $4,959 3.50%
CLEVELAND, TN (FHA|USDA|VA) 1 $175,000 $175,000 $1,920 4.13%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $175,000 $175,000 $2,824 3.25%
UTICA-ROME, NY (FHA|USDA|VA) 1 $165,000 $165,000 $3,092 3.38%
HARRISONBURG, VA (FHA|USDA|VA) 1 $165,000 $165,000 $7,342 3.75%
CORVALLIS, OR (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.13%
DOTHAN, AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,195 4.63%
SUMTER, SC (FHA|USDA|VA) 1 $145,000 $145,000 $3,108 2.50%
IOWA CITY, IA (FHA|USDA|VA) 1 $145,000 $145,000 $2,481 2.50%
JACKSON, MS (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.63%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,934 2.63%
PINE BLUFF, AR (FHA|USDA|VA) 1 $135,000 $135,000 $6,000 2.63%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $125,000 $125,000 $2,951 2.63%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.50%
WICHITA, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,384 2.75%
LUBBOCK, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.13%
JOPLIN, MO (FHA|USDA|VA) 1 $95,000 $95,000 $1,992 3.25%
MUSKEGON, MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,053 4.13%

First Savings Bank's top markets include Chicago, Louisville/jefferson County, Warren, Los Angeles, and Cambridge among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 11,810 $3,345,050,000 $283,239 $4,817 3.23%
VA 1,465 $451,585,000 $308,249 $6,087 2.83%
FHA 967 $234,755,000 $242,766 $8,261 3.31%
USDA 205 $32,535,000 $158,707 $5,481 3.34%

For the 2020 period, First Savings Bank's most frequently originated loan type of loans were Conventional, with 11,810 originations. Their 2nd most popular type is VA, with 1,465 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 7,729 $2,275,985,000 $294,473 $4,723 3.08%
Home Purchase 3,879 $974,845,000 $251,313 $5,744 3.34%
Cash Out Refi 2,835 $812,885,000 $286,732 $5,754 3.29%
Home Improvement 3 $155,000 $51,667 $1,618 5.38%
Other 1 $55,000 $55,000 $1,959 5.50%

For the 2020, First Savings Bank's most frequently cited loan purpose of loans were Refi, with 7,729 originations. The 2nd most popular reason of loans were Home Purchase, with 3,879 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 12,096 $3,488,840,000 $288,429 $5,400 3.23%
15 Year 1,387 $314,715,000 $226,903 $4,169 2.82%
20 Year 530 $139,500,000 $263,208 $4,328 3.15%
Other 293 $89,605,000 $305,819 $4,296 3.24%
10 Year 104 $22,330,000 $214,712 $3,564 3.16%
30+ year 28 $7,180,000 $256,429 $3,305 4.72%
5 Year 5 $475,000 $95,000 $0 4.79%
1 Year 3 $175,000 $58,333 $0 4.67%
3 Year 1 $1,105,000 $1,105,000 $0 4.50%

For the 2020, First Savings Bank's most frequently cited loan length of loans were 30 Year, with 12,096 originations. The 2nd most popular length of loans were 15 Year, with 1,387 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 4,719 $1,305,915,000 $276,736
$1k-2k 2,934 $770,290,000 $262,539
$5k+ 2,482 $899,130,000 $362,260
$3k-4k 2,041 $551,025,000 $269,978
$2k-3k 1,528 $363,280,000 $237,749

$5,400 of loans were First Savings Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 4,719 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 6,564 $1,826,440,000 $278,251
2.5-3% 5,809 $1,683,075,000 $289,736
<2.5% 1,118 $317,780,000 $284,240
4-5% 760 $185,350,000 $243,882
5-6% 187 $50,925,000 $272,326
6-7% 9 $355,000 $39,444

During 2020, First Savings Bank's average interest rate of loans were 3.23%, while their most frequently originated rate bucket of loans were 3-4%, with 6,564 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 7,343 $2,108,375,000 $287,127 $5,384 3.15%
$100k-200k 3,761 $581,845,000 $154,705 $3,838 3.22%
$400k-600k 2,525 $1,178,655,000 $466,794 $6,581 3.16%
$100,000 or less 627 $49,175,000 $78,429 $2,960 3.62%
$600k-1MM 184 $126,320,000 $686,522 $11,545 3.29%
$1MM+ 7 $19,555,000 $2,793,571 $47,887 3.84%

2020 saw First Savings Bank place emphasis on $200k-400k loans with 7,343 originations, totaling $2,108,375,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 3,317 $1,038,525,000 $313,092 $5,342 3.22%
$50k-75k 2,685 $587,045,000 $218,639 $4,981 3.21%
$75k-100k 2,422 $644,190,000 $265,974 $5,229 3.20%
$150k-250k 2,329 $825,025,000 $354,240 $5,612 3.19%
$50k or less 1,632 $277,730,000 $170,178 $4,247 3.24%
$250k+ 799 $312,755,000 $391,433 $5,739 3.24%

First Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 3,317 originations. The second most popular income band? $50k-75k, with 2,685 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 3,296 $911,140,000 $276,438 $4,642 3.16%
30-36% 2,478 $692,150,000 $279,318 $5,029 3.23%
<20% 1,597 $435,275,000 $272,558 $4,080 3.02%
44% 476 $131,790,000 $276,870 $5,838 3.37%
39% 475 $138,845,000 $292,305 $5,817 3.27%
43% 460 $132,860,000 $288,826 $5,645 3.31%
37% 454 $124,040,000 $273,216 $5,026 3.28%
36% 450 $122,110,000 $271,356 $4,934 3.28%
41% 442 $126,160,000 $285,430 $5,393 3.31%
42% 431 $122,965,000 $285,302 $5,417 3.33%
38% 422 $119,270,000 $282,630 $5,745 3.26%
40% 401 $110,705,000 $276,072 $5,265 3.31%
49% 323 $92,125,000 $285,217 $6,129 3.24%
45% 302 $87,690,000 $290,364 $5,711 3.27%
46% 277 $82,375,000 $297,383 $5,767 3.24%
47% 268 $80,230,000 $299,366 $6,047 3.19%
50-60% 240 $62,420,000 $260,083 $8,463 3.18%
48% 238 $68,610,000 $288,277 $5,870 3.21%
>60% 10 $2,470,000 $247,000 $5,190 3.64%

First Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 3,296 originations. The next most common DTI ratio? 30-36%, with 2,478 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 10,536 $2,897,010,000 $274,963 $5,085 3.20%
Not provided 2,011 $623,995,000 $310,291 $5,370 3.18%
Asian 1,204 $346,820,000 $288,056 $5,162 3.12%
Black 588 $152,780,000 $259,830 $6,765 3.25%
Not applicable 34 $20,780,000 $611,176 $0 4.40%
American Indian 44 $11,430,000 $259,773 $4,676 3.13%
Native Hawaiian 30 $11,110,000 $370,333 $7,397 3.15%

Approval Rates

Total approvals of all applications
91.90%

First Savings Bank has an average approval rate.

Pick Rate

Approvals leading to origination
-4.66%

First Savings Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 14,447 $4,063,925,000 $281,299

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 11 $20,315,000 $1,846,818
Single Family (1-4 Units):Manufactured 66 $11,570,000 $175,303
Single Family (1-4 Units):Site-Built 14,370 $4,032,040,000 $280,587

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 651 $163,115,000 $250,561 $4,054 3.12%
40-60% 2,539 $751,845,000 $296,119 $4,288 3.05%
60-80% 5,963 $1,730,785,000 $290,254 $5,190 3.23%
80-100% 4,967 $1,324,105,000 $266,580 $5,705 3.23%
Over 100% 244 $79,780,000 $326,967 $7,972 2.98%
Under 20% 83 $14,295,000 $172,229 $3,116 3.65%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
First Savings Bank 1000 Copperfield Drive Georgetown, IN 47122 Full Service B&M $23,984
First Savings Bank 501 E Lewis And Clark Parkway Clarksville, IN 47129 Full Service B&M $0
First Savings Bank 501 West Main Street Odon, IN 47562 Full Service B&M $69,736
First Savings Bank 702 North Shore Drive, Suite 300 Jeffersonville, IN 47130 Full Service B&M $256,142
First Savings Bank 7340 Main Street Ne Lanesville, IN 47136 Full Service B&M $31,824
First Savings Bank 8160 Beech Street Se Elizabeth, IN 47117 Full Service B&M $30,377
First Savings Bank 900 Indiana 62 Nw Corydon, IN 47112 Full Service B&M $129,988
First Savings Bank 1100 Market Street Charlestown, IN 47111 Full Service B&M $16,868
First Savings Bank 125 Hunter Station Way Sellersburg, IN 47172 Full Service B&M $31,749
First Savings Bank 1336 South Jackson Street Salem, IN 47167 Full Service B&M $73,617
First Savings Bank 165 East State Road 64 Marengo, IN 47140 Full Service B&M $40,497
First Savings Bank 200 Indiana Avenue English, IN 47118 Full Service B&M $58,169
First Savings Bank 202 E Court Ave Jeffersonville, IN 47130 Full Service B&M $94,296
First Savings Bank 2218 State Street New Albany, IN 47150 Full Service B&M $38,020
First Savings Bank 3538 E 10th St Jeffersonville, IN 47130 Full Service B&M $46,413
First Savings Bank 478 West Meyers Street Montgomery, IN 47558 Full Service B&M $50,520

For 2020, First Savings Bank had 16 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $60,001
Net interest income $51,325
Total noninterest income $161,341
Gross Fiduciary activities income $0
Service charges on deposit accounts $1,408
Trading account gains and fees $0
Additional Noninterest Income $159,933
Pre-tax net operating income $58,087
Securities gains (or losses, -) $-3
Income before extraordinary items $41,014
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $41,014
Minority interest net income $964
Net income $40,050
Sale, conversion, retirement of capital stock, net $0
Net operating income $41,016

First Savings Bank's gross interest income from loans was $60,001,000.
First Savings Bank's net interest income from loans was $51,325,000.
First Savings Bank's fee based income from loans was $1,408,000.
First Savings Bank's net income from loans was $40,050,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $8,676
Provision for credit losses $8,124
Total noninterest expense $146,455
Salaries and employee benefits $108,705
Premises and equipment expense $7,412
Additional noninterest expense $30,338
Applicable income taxes $17,070
Net charge-offs $1,530
Cash dividends $0

First Savings Bank's interest expense for loans was $8,676,000.
First Savings Bank's payroll and benefits expense were $108,705,000.
First Savings Bank's property, plant and equipment expenses $7,412,000.

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 1.0%
Multifamily residential loans 1.0%
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 $1,129,525
Deposits held in domestic offices $1,129,525
Deposits by Individuals, partnerships, and corporations $885,810
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $242,461
Deposits by Commercial banks and other depository institutions in U.S. $1,254
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $520,095
Demand deposits $317,452
Nontransaction accounts $609,430
Money market deposit accounts (MMDAs) $154,299
Other savings deposits (excluding MMDAs) $151,411
Total time deposits $303,719
Total time and savings deposits $812,073
Noninterest-bearing deposits $280,463
Interest-bearing deposits $849,062
Retail deposits $950,411
IRAs and Keogh plan accounts $30,306
Brokered deposits $147,490
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $1,869,420
Cash & Balances due from depository institutions $34,818
Interest-bearing balances $18,804
Total securities $205,244
Federal funds sold & reverse repurchase $0
Net loans and leases $1,472,020
Loan and leases loss allowance $17,124
Trading account assets $0
Bank premises and fixed assets $33,325
Other real estate owned $2,043
Goodwill and other intangibles $46,017
All other assets $75,953

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $1,869,420
Total Liabilities $1,691,659
Total deposits $1,129,525
Interest-bearing deposits $849,062
Deposits held in domestic offices $1,129,525
% insured (estimated) $69
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $512,864
Subordinated debt $0
All other liabilities $49,270

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,472,020
Loan and leases loss allowance $17,124
Total loans and leases (domestic) $1,489,144
All real estate loans $1,206,778
Real estate loans in domestic offices $1,206,778
Construction and development loans $35,868
Residential 1-4 family construction $5,813
Other construction, all land development and other land $30,055
Loans secured by nonfarm nonresidential properties $542,918
Nonfarm nonresidential secured by owner-occupied properties $113,300
Commercial real estate & other non-farm, non-residential $429,618
Multifamily residential real estate $39,126
1-4 family residential loans $567,724
Farmland loans $21,142
Loans held in foreign offices $0
Farm loans $5,979
Commercial and industrial loans $254,614
To non-U.S. addressees $0
Loans to individuals $12,208
Credit card loans $0
Related Plans $408
Consumer Auto Loans $10,219
Other loans to individuals $1,581
All other loans & leases $9,566
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 $1,898
Non 1-4 family restructured loans & leases $494
Total loans and leases (foreign) $0

First Savings Bank had $1,472,020,000 of loans outstanding in 2020. $1,206,778,000 of loans were in real estate loans. $35,868,000 of loans were in development loans. $39,126,000 of loans were in multifamily mortgage loans. $567,724,000 of loans were in 1-4 family mortgage loans. $5,979,000 of loans were in farm loans. $0 of loans were in credit card loans. $10,219,000 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 441 $132,542 $300,549
Nonfarm, nonresidential loans - <$100k 74 $3,039 $41,068
Nonfarm, nonresidential loans - $100-250k 84 $9,410 $112,024
Nonfarm, nonresidential loans - $250k-1MM 283 $120,093 $424,357
Commercial & Industrial, US addressed loans - <$1MM 1,342 $101,761 $75,828
Commercial & Industrial, US addressed loans - <$100k 903 $26,694 $29,561
Commercial & Industrial, US addressed loans - $100-250k 250 $26,082 $104,328
Commercial & Industrial, US addressed loans - $250k-1MM 189 $48,985 $259,180
Farmland loans - <$1MM 88 $11,009 $125,102
Farmland loans - <$100k 36 $1,315 $36,528
Farmland loans - $100-250k 34 $4,377 $128,735
Farmland loans - $250k-1MM 18 $5,317 $295,389
Agriculture operations loans - <$1MM 110 $4,205 $38,227
Agriculture operations loans - <$100k 92 $1,811 $19,685
Agriculture operations loans - $100-250k 14 $1,331 $95,071
Agriculture operations loans - $250k-1MM 4 $1,063 $265,750