First National Bank Of Bellville Mortgage Rates, Fees & Info

Bellville, TX

LEI: 2549005IUIJTSX4P5695

Tax ID: 74-0507285

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

First National Bank Of Bellville is a smaller bank specializing in Home Purchase loans. First National Bank Of Bellville has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Brenham, San Antonio, College Station, and Bay City among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

First National Bank Of Bellville has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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Originations

Origination Dollar Volume (All Markets)

$9,005,000

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
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	49	$7,055,000	$143,980	$0	0.00%
Brenham, TX (FHA\|USDA\|VA)	2	$630,000	$315,000	$0	0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	1	$475,000	$475,000	$0	0.00%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	2	$320,000	$160,000	$0	0.00%
Outside of Metro Areas	1	$205,000	$205,000	$0	0.00%
Bay City, TX (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	0.00%
El Campo, TX (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	0.00%

First National Bank Of Bellville's top markets include Houston, Brenham, San Antonio, College Station, and Bay City among others.

Their top states include:

Texas (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	57	$9,005,000	$157,982	$0	0.00%

For 2019, First National Bank Of Bellville's most frequently originated type of loan was Conventional, with 57 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	41	$7,325,000	$178,659	$0	0.00%
Refi	7	$1,035,000	$147,857	$0	0.00%
Home Improvement	5	$275,000	$55,000	$0	0.00%
Other	4	$370,000	$92,500	$0	0.00%

For 2019, First National Bank Of Bellville's most frequently cited loan purpose was Home Purchase, with 41 originations. The 2nd most popular reason was Refi, with 7 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	57	$9,005,000	$157,982	$0	0.00%

For 2019, First National Bank Of Bellville's most frequently cited loan duration was Other, with 57 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	24	$3,610,000	$150,417	$0	0.00%
$100,000 or less	20	$1,380,000	$69,000	$0	0.00%
$200k-400k	11	$3,015,000	$274,091	$0	0.00%
$400k-600k	2	$1,000,000	$500,000	$0	0.00%

2019 saw First National Bank Of Bellville place emphasis on $100k-200k loans with 24 originations, totaling $3,610,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$75k-100k	14	$2,030,000	$145,000	$0	0.00%
$50k-75k	12	$1,570,000	$130,833	$0	0.00%
$100k-150k	8	$1,160,000	$145,000	$0	0.00%
$250k+	7	$1,515,000	$216,429	$0	0.00%
$150k-250k	6	$1,130,000	$188,333	$0	0.00%
$50k or less	2	$180,000	$90,000	$0	0.00%

First National Bank Of Bellville lent most frequently to those with incomes in the $75k-100k range, with 14 originations. The second most popular income band? $50k-75k, with 12 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	57	$9,005,000	$157,982	$0	0.00%

First National Bank Of Bellville lent most frequently to those with DTI ratios of Exempt%, with 57 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	46	$7,220,000	$156,957	$0	0.00%
Not applicable	8	$1,420,000	$177,500	$0	0.00%
Not provided	1	$225,000	$225,000	$0	0.00%
Black	2	$140,000	$70,000	$0	0.00%

Approval Rates

Total approvals of all applications
90.63%

First National Bank Of Bellville has an average approval rate.

Pick Rate

Approvals leading to origination
98.25%

First National Bank Of Bellville has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	57	$9,005,000	$157,982

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Single Family (1-4 Units):Site-Built	57	$9,005,000	$157,982

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
FIRST NATIONAL BANK OF OMAHA	Conventional home mortgage	Closing on a mortgage	2	33.3%
FIRST NATIONAL BANK OF OMAHA	Conventional home mortgage	Trouble during payment process	3	50.0%
FIRST NATIONAL BANK OF OMAHA	Conventional home mortgage	Struggling to pay mortgage	1	16.7%