First National Bank Of Evant Mortgage Rates, Fees & Info

Gatesville, TX

LEI: 254900Y2VQW872IK0096

Tax ID: 74-0614976

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 Evant is a smaller bank specializing in Home Purchase and Cash Out Refi loans. First National Bank Of Evant has a high proportion of conventional loans. Their top markets by origination volume include: Killeen, Waco, and Houston among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First National Bank Of Evant has an above average approval rate when compared to the average across all lenders.

    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.

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    Originations

    45

    Origination Dollar Volume (All Markets)

    $9,495,000

    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
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 35 $7,835,000 $223,857 $0 0.00%
    Outside of Metro Areas 7 $1,195,000 $170,714 $0 0.00%
    WACO, TX (FHA|USDA|VA) 2 $380,000 $190,000 $0 0.00%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
    First National Bank Of Evant's top markets include Killeen, Waco, 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 45 $9,495,000 $211,000 $0 0.00%

    For 2024, First National Bank Of Evant's most frequently originated type of loan was Conventional, with 45 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 24 $6,830,000 $284,583 $0 0.00%
    Cash Out Refi 16 $1,940,000 $121,250 $0 0.00%
    Refi 5 $725,000 $145,000 $0 0.00%

    For 2024, First National Bank Of Evant's most frequently cited loan purpose was Home Purchase, with 24 originations. The 2nd most popular reason was Cash Out Refi, with 16 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 45 $9,495,000 $211,000 $0 0.00%

    For 2024, First National Bank Of Evant's most frequently cited loan duration was Other, with 45 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 18 $5,220,000 $290,000 $0 0.00%
    $100,000 or less 13 $865,000 $66,538 $0 0.00%
    $100k-200k 10 $1,410,000 $141,000 $0 0.00%
    $400k-600k 4 $2,000,000 $500,000 $0 0.00%

    2024 saw First National Bank Of Evant place emphasis on $200k-400k loans with 18 originations, totaling $5,220,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 11 $2,725,000 $247,727 $0 0.00%
    $150k-250k 9 $2,765,000 $307,222 $0 0.00%
    $50k-75k 9 $1,465,000 $162,778 $0 0.00%
    $75k-100k 7 $1,165,000 $166,429 $0 0.00%
    $50k or less 5 $545,000 $109,000 $0 0.00%
    $250k+ 3 $795,000 $265,000 $0 0.00%

    First National Bank Of Evant lent most frequently to those with incomes in the $100k-150k range, with 11 originations. The second most popular income band? $150k-250k, with 9 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 45 $9,495,000 $211,000 $0 0.00%

    First National Bank Of Evant lent most frequently to those with DTI ratios of Exempt%, with 45 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 43 $9,355,000 $217,558 $0 0.00%
    Black 1 $105,000 $105,000 $0 0.00%
    Not applicable 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.74%

    First National Bank Of Evant 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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 45 $9,495,000 $211,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    45 $9,495,000 $211,000