Firstier Bank Mortgage Rates, Fees & Info
Kimball, NELEI: 254900SCAXHT20CVF122
Tax ID: 47-0412269
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Firstier Bank is a smaller bank specializing in Home Purchase and Refi loans. Firstier Bank has a high proportion of conventional loans. Their top markets by origination volume include: Cheyenne, Kearney, Denver, Gillette, and Lexington among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Firstier Bank 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
58Origination Dollar Volume (All Markets)
$10,330,000Top 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 |
|---|---|---|---|---|---|
| CHEYENNE, WY (FHA|USDA|VA) | 8 | $5,230,000 | $653,750 | $0 | 0.00% |
| Outside of Metro Areas | 18 | $1,330,000 | $73,889 | $0 | 0.00% |
| Kearney, NE (FHA|USDA|VA) | 14 | $1,280,000 | $91,429 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $0 | 0.00% |
| Gillette, WY (FHA|USDA|VA) | 8 | $680,000 | $85,000 | $0 | 0.00% |
| Lexington, NE (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $0 | 0.00% |
| Laramie, WY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 0.00% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| Hastings, NE (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 58 | $10,330,000 | $178,103 | $0 | 0.00% |
For 2018, Firstier Bank's most frequently originated type of loan was Conventional, with 58 originations.
Loan Reason
For 2018, Firstier Bank's most frequently cited loan purpose was Home Purchase, with 31 originations. The 2nd most popular reason was Refi, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 58 | $10,330,000 | $178,103 | $0 | 0.00% |
For 2018, Firstier Bank's most frequently cited loan duration was Other, with 58 originations.
Loan Sizing
2018 saw Firstier Bank place emphasis on $100,000 or less loans with 34 originations, totaling $1,630,000 in origination value.
Applicant Income
Firstier Bank lent most frequently to those with incomes in the $50k-75k range, with 11 originations. The second most popular income band? $50k or less, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 58 | $10,330,000 | $178,103 | $0 | 0.00% |
Firstier Bank lent most frequently to those with DTI ratios of Exempt%, with 58 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 9 | $5,335,000 | $592,778 | $0 | 0.00% |
| White | 49 | $4,995,000 | $101,939 | $0 | 0.00% |
Approval Rates
Total approvals of all applications85.19%
Firstier Bank has an average approval rate.
Pick Rate
Approvals leading to origination81.03%
Firstier Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 58 | $10,330,000 | $178,103 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRSTBANK | Conventional home mortgage | Closing on a mortgage | 1 | 33.3% |
| FIRSTBANK | Other type of mortgage | Trouble during payment process | 1 | 33.3% |
| FIRSTBANK | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 33.3% |