First National Bank Mortgage Rates, Fees & Info
Goodland, KSLEI: 254900YTIBBOK7PFSV38
Tax ID: 48-0220810
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Mortgage Data
Review & Overview
First National Bank is a smaller bank specializing in Home Purchase and Refi loans. First National Bank has a high proportion of conventional loans. Their top two markets are Greeley and Denver .First National Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
21Origination Dollar Volume (All Markets)
$3,135,000Top 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 | 17 | $2,335,000 | $137,353 | $0 | 0.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 21 | $3,135,000 | $149,286 | $0 | 0.00% |
For 2023, First National Bank's most frequently originated type of loan was Conventional, with 21 originations.
Loan Reason
For 2023, First National Bank's most frequently cited loan purpose was Home Purchase, with 10 originations. The 2nd most popular reason was Refi, with 7 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 21 | $3,135,000 | $149,286 | $0 | 0.00% |
For 2023, First National Bank's most frequently cited loan duration was Other, with 21 originations.
Loan Sizing
2023 saw First National Bank place emphasis on $100,000 or less loans with 11 originations, totaling $435,000 in origination value.
Applicant Income
First National Bank lent most frequently to those with incomes in the $50k or less range, with 7 originations. The second most popular income band? $150k-250k, with 4 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 21 | $3,135,000 | $149,286 | $0 | 0.00% |
First National Bank lent most frequently to those with DTI ratios of Exempt%, with 21 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 19 | $2,435,000 | $128,158 | $0 | 0.00% |
| Not applicable | 2 | $700,000 | $350,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications85.19%
First National Bank has an average approval rate.
Pick Rate
Approvals leading to origination90.48%
First National Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 21 | $3,135,000 | $149,286 |