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, 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
59Origination Dollar Volume (All Markets)
$10,915,000Top 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 | 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% |
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
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
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
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
Approval Rates
Total approvals of all applications81.72%
First National Bank Of Shiner has a below average approval rate.
Pick Rate
Approvals leading to origination79.66%
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
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% |