First National Bank Of Bellevue Mortgage Rates, Fees & Info

Bellevue, OH

LEI: 254900KOJTW8YS8AL287

Tax ID: 34-4186000

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

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • 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 Bellevue is a smaller bank specializing in Home Purchase loans. First National Bank Of Bellevue has a high proportion of conventional loans. Their top markets by origination volume include: Fremont, Norwalk, Toledo, Sandusky, and Mount Vernon 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 Bellevue has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First National Bank Of Bellevue is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    34

    Origination Dollar Volume (All Markets)

    $7,850,000

    Awards

    First National Bank of Bellevue 30 Year Conventional Loans bronze First National Bank of Bellevue 30 Year Conventional Loans bronze
    Show all (2) awards

    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
    Fremont, OH (FHA|USDA|VA) 13 $3,605,000 $277,308 $3,837 6.65%
    Norwalk, OH (FHA|USDA|VA) 5 $1,245,000 $249,000 $3,189 6.30%
    TOLEDO, OH (FHA|USDA|VA) 5 $1,045,000 $209,000 $5,262 6.58%
    Sandusky, OH (FHA|USDA|VA) 4 $930,000 $232,500 $3,718 6.34%
    Mount Vernon, OH (FHA|USDA|VA) 2 $510,000 $255,000 $4,432 6.06%
    Tiffin, OH (FHA|USDA|VA) 3 $335,000 $111,667 $1,732 6.29%
    Ashland, OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,447 5.50%
    Findlay, OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,369 5.88%
    First National Bank Of Bellevue's top markets include Fremont, Norwalk, Toledo, Sandusky, and Mount Vernon among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against First National Bank of Bellevue based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Federal Savings and Loan Association of Delta
    Similarity Rank: 34
    First National Bank of Bellevue
    Similarity Rank: 48
    GLASS CITY Federal Credit Union
    Similarity Rank: 123
    SUN Federal Credit Union
    Similarity Rank: 246
    The Croghan Colonial Bank
    Similarity Rank: 406
    UNION CAPITAL MORTGAGE CORPORATION
    Similarity Rank: 437
    FIRST CHOICE MH LLC
    Similarity Rank: 477
    First Federal Savings and Loan Association of Lorain
    Similarity Rank: 550
    The Genoa Banking Company
    Similarity Rank: 552
    Superior Credit Union, Inc.
    Similarity Rank: 931

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 34 $7,850,000 $230,882 $3,799 6.43%

    For 2023, First National Bank Of Bellevue's most frequently originated type of loan was Conventional, with 34 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 21 $5,885,000 $280,238 $4,099 6.36%
    Cash Out Refi 6 $1,030,000 $171,667 $4,007 6.37%
    Refi 5 $795,000 $159,000 $3,756 6.38%
    Other 2 $140,000 $70,000 $682 7.50%

    For 2023, First National Bank Of Bellevue's most frequently cited loan purpose was Home Purchase, with 21 originations. The 2nd most popular reason was Cash Out Refi, with 6 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 25 $3,795,000 $151,800 $3,588 6.24%
    Other 3 $2,745,000 $915,000 $9,358 6.96%
    10 Year 2 $310,000 $155,000 $1,660 6.69%
    20 Year 2 $620,000 $310,000 $5,234 6.50%
    30+ year 1 $345,000 $345,000 $9,264 8.25%
    5 Year 1 $35,000 $35,000 $674 7.25%

    For 2023, First National Bank Of Bellevue's most frequently cited loan duration was 30 Year, with 25 originations. The 2nd most popular length was Other, with 3 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 14 $1,850,000 $132,143
    $1k-2k 10 $1,340,000 $134,000
    $3k-4k 4 $950,000 $237,500
    $4k-5k 2 $670,000 $335,000
    $2k-3k 1 $255,000 $255,000

    First National Bank Of Bellevue's average total fees were $3,588, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 14 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 15 $2,295,000 $153,000
    6-7% 10 $3,850,000 $385,000
    7-8% 8 $1,360,000 $170,000
    Over 8% 1 $345,000 $345,000

    During 2023, First National Bank Of Bellevue's average interest rate for loans was 6.24%, while their most frequently originated rate bucket for loans was 5-6%, with 15 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 15 $2,195,000 $146,333 $3,171 6.10%
    $200k-400k 9 $2,645,000 $293,889 $6,047 6.68%
    $100,000 or less 8 $590,000 $73,750 $2,648 6.59%
    $1MM+ 1 $1,795,000 $1,795,000 $0 6.99%
    $600k-1MM 1 $625,000 $625,000 $0 7.25%

    2023 saw First National Bank Of Bellevue place emphasis on $100k-200k loans with 15 originations, totaling $2,195,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 11 $1,935,000 $175,909 $4,304 6.78%
    $50k-75k 8 $1,240,000 $155,000 $3,387 6.00%
    $75k-100k 5 $685,000 $137,000 $3,146 6.08%
    $50k or less 4 $300,000 $75,000 $2,816 6.25%
    $150k-250k 2 $540,000 $270,000 $5,257 6.31%
    $250k+ 1 $365,000 $365,000 $6,314 6.75%

    First National Bank Of Bellevue lent most frequently to those with incomes in the $100k-150k range, with 11 originations. The second most popular income band? $50k-75k, with 8 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 8 $1,220,000 $152,500 $3,707 6.30%
    20-30% 6 $810,000 $135,000 $2,615 6.19%
    <20% 5 $755,000 $151,000 $3,266 6.93%
    48% 3 $465,000 $155,000 $4,112 5.88%
    49% 2 $670,000 $335,000 $9,311 7.44%
    36% 2 $370,000 $185,000 $4,020 6.38%
    44% 2 $340,000 $170,000 $2,697 6.19%
    37% 1 $75,000 $75,000 $2,654 5.50%
    38% 1 $105,000 $105,000 $0 6.13%
    41% 1 $255,000 $255,000 $5,234 6.00%

    First National Bank Of Bellevue lent most frequently to those with DTI ratios of 30-36%, with 8 originations. The next most common DTI ratio? 20-30%, with 6 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 33 $6,055,000 $183,485 $3,799 6.41%
    Not applicable 1 $1,795,000 $1,795,000 $0 6.99%

    Approval Rates

    Total approvals of all applications
    95.65%

    First National Bank Of Bellevue has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    85.29%

    First National Bank Of Bellevue has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 34 $7,850,000 $230,882

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    34 $7,850,000 $230,882

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2 $140,000 $70,000 $682 7.50%
    40-60% 3 $455,000 $151,667 $4,828 6.50%
    60-80% 15 $2,915,000 $194,333 $3,717 6.36%
    80-100% 13 $2,545,000 $195,769 $4,116 6.29%
    Under 20% 1 $1,795,000 $1,795,000 $0 6.99%