The First National Bank Of Brooksville Mortgage Rates, Fees & Info
Brooksville, KYLEI: 2549002H3CEW0748X068
Tax ID: 61-1272844
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Mortgage Data
Review & Overview
The First National Bank Of Brooksville is a smaller bank specializing in Home Purchase and Refi loans. The First National Bank Of Brooksville has a high proportion of conventional loans. Their top two markets are Cincinnati and Maysville .The First National Bank Of Brooksville has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
41Origination Dollar Volume (All Markets)
$2,715,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 37 | $2,395,000 | $64,730 | $0 | 0.00% |
| Maysville, KY (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 41 | $2,715,000 | $66,220 | $0 | 0.00% |
For 2019, The First National Bank Of Brooksville's most frequently originated type of loan was Conventional, with 41 originations.
Loan Reason
For 2019, The First National Bank Of Brooksville's most frequently cited loan purpose was Home Purchase, with 18 originations. The 2nd most popular reason was Home Improvement, with 11 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 41 | $2,715,000 | $66,220 | $0 | 0.00% |
For 2019, The First National Bank Of Brooksville's most frequently cited loan duration was Other, with 41 originations.
Loan Sizing
2019 saw The First National Bank Of Brooksville place emphasis on $100,000 or less loans with 33 originations, totaling $1,215,000 in origination value.
Applicant Income
The First National Bank Of Brooksville lent most frequently to those with incomes in the $50k-75k range, with 17 originations. The second most popular income band? $50k or less, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 41 | $2,715,000 | $66,220 | $0 | 0.00% |
The First National Bank Of Brooksville lent most frequently to those with DTI ratios of Exempt%, with 41 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 40 | $2,670,000 | $66,750 | $0 | 0.00% |
| Black | 1 | $45,000 | $45,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications68.42%
The First National Bank Of Brooksville has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination73.17%
The First National Bank Of Brooksville has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 41 | $2,715,000 | $66,220 |