First National Bank Of Shiner Mortgage Rates, Fees & Info

Shiner, TX

LEI: 254900D3ZSLR3VYI9A24

Tax ID: 74-0896848

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

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

    • Review & Overview

    First National Bank Of Shiner is a smaller bank specializing in Home Purchase and Cash Out Refi loans. First National Bank Of Shiner has a high proportion of conventional loans. Their top markets by origination volume include: Victoria, Killeen, Port Lavaca, and College Station among others. We have data for 5 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

    28

    Origination Dollar Volume (All Markets)

    $7,310,000

    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
    Outside of Metro Areas 17 $3,725,000 $219,118 $0 0.00%
    VICTORIA, TX (FHA|USDA|VA) 7 $1,705,000 $243,571 $0 0.00%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $1,360,000 $680,000 $0 0.00%
    Port Lavaca, TX (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
    First National Bank Of Shiner's top markets include Victoria, Killeen, Port Lavaca, and College Station among others.

    Their top states include:
  • Texas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 28 $7,310,000 $261,071 $0 0.00%

    For 2024, First National Bank Of Shiner's most frequently originated type of loan was Conventional, with 28 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 11 $3,815,000 $346,818 $0 0.00%
    Cash Out Refi 7 $1,815,000 $259,286 $0 0.00%
    Home Improvement 5 $735,000 $147,000 $0 0.00%
    Other 4 $750,000 $187,500 $0 0.00%
    Refi 1 $195,000 $195,000 $0 0.00%

    For 2024, First National Bank Of Shiner's most frequently cited loan purpose was Home Purchase, with 11 originations. The 2nd most popular reason was Cash Out Refi, with 7 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 28 $7,310,000 $261,071 $0 0.00%

    For 2024, First National Bank Of Shiner's most frequently cited loan duration was Other, with 28 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 9 $2,785,000 $309,444 $0 0.00%
    $100k-200k 8 $1,210,000 $151,250 $0 0.00%
    $100,000 or less 6 $320,000 $53,333 $0 0.00%
    $400k-600k 3 $1,445,000 $481,667 $0 0.00%
    $600k-1MM 2 $1,550,000 $775,000 $0 0.00%

    2024 saw First National Bank Of Shiner place emphasis on $200k-400k loans with 9 originations, totaling $2,785,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 8 $2,400,000 $300,000 $0 0.00%
    $250k+ 6 $2,740,000 $456,667 $0 0.00%
    $100k-150k 5 $925,000 $185,000 $0 0.00%
    $75k-100k 5 $765,000 $153,000 $0 0.00%
    $50k-75k 2 $230,000 $115,000 $0 0.00%
    $50k or less 1 $55,000 $55,000 $0 0.00%

    First National Bank Of Shiner lent most frequently to those with incomes in the $150k-250k range, with 8 originations. The second most popular income band? $250k+, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 28 $7,310,000 $261,071 $0 0.00%

    First National Bank Of Shiner lent most frequently to those with DTI ratios of Exempt%, with 28 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 25 $6,805,000 $272,200 $0 0.00%
    Asian 1 $275,000 $275,000 $0 0.00%
    Not applicable 1 $195,000 $195,000 $0 0.00%
    Not provided 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    78.72%

    First National Bank Of Shiner has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    67.86%

    First National Bank Of Shiner 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
    Exempt 28 $7,310,000 $261,071

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    28 $7,310,000 $261,071