First National Bank Of Shiner Mortgage Rates, Fees & Info
Shiner, TXLEI: 254900D3ZSLR3VYI9A24
Tax ID: 74-0896848
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Mortgage Data
Review & Overview
First National Bank Of Shiner is a smaller bank specializing in Home Purchase loans. First National Bank Of Shiner has a high proportion of conventional loans. Their top markets by origination volume include: Victoria, Austin, and San Antonio among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank Of Shiner 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.
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Originations
36Origination Dollar Volume (All Markets)
$10,950,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 27 | $8,575,000 | $317,593 | $0 | 0.00% |
| VICTORIA, TX (FHA|USDA|VA) | 7 | $1,745,000 | $249,286 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 36 | $10,950,000 | $304,167 | $0 | 0.00% |
For 2023, First National Bank Of Shiner's most frequently originated type of loan was Conventional, with 36 originations.
Loan Reason
For 2023, First National Bank Of Shiner's most frequently cited loan purpose was Home Purchase, with 25 originations. The 2nd most popular reason was Cash Out Refi, with 5 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 36 | $10,950,000 | $304,167 | $0 | 0.00% |
For 2023, First National Bank Of Shiner's most frequently cited loan duration was Other, with 36 originations.
Loan Sizing
2023 saw First National Bank Of Shiner place emphasis on $100k-200k loans with 10 originations, totaling $1,520,000 in origination value.
Applicant Income
First National Bank Of Shiner lent most frequently to those with incomes in the $150k-250k range, with 10 originations. The second most popular income band? $100k-150k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 36 | $10,950,000 | $304,167 | $0 | 0.00% |
First National Bank Of Shiner lent most frequently to those with DTI ratios of Exempt%, with 36 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 32 | $10,200,000 | $318,750 | $0 | 0.00% |
| Asian | 3 | $705,000 | $235,000 | $0 | 0.00% |
| Black | 1 | $45,000 | $45,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications82.76%
First National Bank Of Shiner has a below average approval rate.
Pick Rate
Approvals leading to origination75.00%
First National Bank Of Shiner has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 36 | $10,950,000 | $304,167 |