First National Bank Of Huntsville Mortgage Rates, Fees & Info
Huntsville, TXLEI: 254900YJOY30UROEAG69
Tax ID: 74-0702223
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First National Bank Of Huntsville is a smaller bank specializing in Home Purchase loans. First National Bank Of Huntsville has a high proportion of conventional loans. Their top markets by origination volume include: College Station, Huntsville, Houston, Brenham, and Abilene among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank Of Huntsville has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
190Origination Dollar Volume (All Markets)
$38,880,000Top 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 |
|---|---|---|---|---|---|
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 44 | $14,840,000 | $337,273 | $0 | 0.00% |
| Huntsville, TX (FHA|USDA|VA) | 85 | $13,705,000 | $161,235 | $0 | 0.00% |
| Outside of Metro Areas | 45 | $6,355,000 | $141,222 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $3,195,000 | $245,769 | $0 | 0.00% |
| Brenham, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against First National Bank of Huntsville based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 190 | $38,880,000 | $204,632 | $0 | 0.00% |
For 2022, First National Bank Of Huntsville's most frequently originated type of loan was Conventional, with 190 originations.
Loan Reason
For 2022, First National Bank Of Huntsville's most frequently cited loan purpose was Home Purchase, with 126 originations. The 2nd most popular reason was Cash Out Refi, with 25 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 190 | $38,880,000 | $204,632 | $0 | 0.00% |
For 2022, First National Bank Of Huntsville's most frequently cited loan duration was Other, with 190 originations.
Loan Sizing
2022 saw First National Bank Of Huntsville place emphasis on $100,000 or less loans with 67 originations, totaling $3,715,000 in origination value.
Applicant Income
First National Bank Of Huntsville lent most frequently to those with incomes in the $50k-75k range, with 33 originations. The second most popular income band? $100k-150k, with 27 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 190 | $38,880,000 | $204,632 | $0 | 0.00% |
First National Bank Of Huntsville lent most frequently to those with DTI ratios of Exempt%, with 190 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.77%
First National Bank Of Huntsville has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination92.63%
First National Bank Of Huntsville has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 190 | $38,880,000 | $204,632 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |