First National Bank Of Shiner Mortgage Rates, Fees & Info

Shiner, TX

LEI: 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, San Antonio, Port Lavaca, Austin, and Houston among others. We have data for 8 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

59

Origination Dollar Volume (All Markets)

$10,915,000

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 40 $5,730,000 $143,250 $0 0.00%
VICTORIA, TX (FHA|USDA|VA) 8 $2,480,000 $310,000 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $1,075,000 $215,000 $0 0.00%
Port Lavaca, TX (FHA|USDA|VA) 2 $780,000 $390,000 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $325,000 $325,000 $0 0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
Borger, TX (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
First National Bank Of Shiner's top markets include Victoria, San Antonio, Port Lavaca, Austin, and Houston among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 59 $10,915,000 $185,000 $0 0.00%

    For 2019, First National Bank Of Shiner's most frequently originated type of loan was Conventional, with 59 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 39 $8,615,000 $220,897 $0 0.00%
    Other 8 $640,000 $80,000 $0 0.00%
    Cash Out Refi 7 $1,045,000 $149,286 $0 0.00%
    Refi 3 $475,000 $158,333 $0 0.00%
    Home Improvement 2 $140,000 $70,000 $0 0.00%

    For 2019, First National Bank Of Shiner's most frequently cited loan purpose was Home Purchase, with 39 originations. The 2nd most popular reason was Other, with 8 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 59 $10,915,000 $185,000 $0 0.00%

    For 2019, First National Bank Of Shiner's most frequently cited loan duration was Other, with 59 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 19 $1,265,000 $66,579 $0 0.00%
    $100k-200k 19 $2,745,000 $144,474 $0 0.00%
    $200k-400k 17 $4,565,000 $268,529 $0 0.00%
    $400k-600k 2 $910,000 $455,000 $0 0.00%
    $600k-1MM 2 $1,430,000 $715,000 $0 0.00%

    2019 saw First National Bank Of Shiner place emphasis on $100,000 or less loans with 19 originations, totaling $1,265,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 15 $3,635,000 $242,333 $0 0.00%
    $75k-100k 12 $1,980,000 $165,000 $0 0.00%
    $50k or less 8 $730,000 $91,250 $0 0.00%
    $150k-250k 6 $1,000,000 $166,667 $0 0.00%
    $50k-75k 6 $660,000 $110,000 $0 0.00%
    $250k+ 3 $645,000 $215,000 $0 0.00%

    First National Bank Of Shiner lent most frequently to those with incomes in the $100k-150k range, with 15 originations. The second most popular income band? $75k-100k, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 59 $10,915,000 $185,000 $0 0.00%

    First National Bank Of Shiner lent most frequently to those with DTI ratios of Exempt%, with 59 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 48 $8,250,000 $171,875 $0 0.00%
    Not applicable 8 $2,170,000 $271,250 $0 0.00%
    Not provided 2 $290,000 $145,000 $0 0.00%
    Asian 1 $205,000 $205,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    81.72%

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

    Pick Rate

    Approvals leading to origination
    79.66%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 59 $10,915,000 $185,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $215,000 $215,000
    Single Family (1-4 Units):Manufactured 5 $665,000 $133,000
    Single Family (1-4 Units):Site-Built 53 $10,035,000 $189,340

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    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%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Closing on a mortgage 2 33.3%