The First National Bank In Carlyle Mortgage Rates, Fees & Info

Carlyle, IL

LEI: 54930000REMJYLBAS614

Tax ID: 37-0206035

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

    The First National Bank In Carlyle is a smaller bank specializing in Home Purchase loans. The First National Bank In Carlyle has a high proportion of conventional loans. Their top two markets are St. Louis and Centralia .

    The First National Bank In Carlyle 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

    26

    Origination Dollar Volume (All Markets)

    $6,910,000

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 20 $6,210,000 $310,500 $0 0.00%
    Outside of Metro Areas 5 $595,000 $119,000 $0 0.00%
    Centralia, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    The First National Bank In Carlyle's top markets include St. Louis and Centralia among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 26 $6,910,000 $265,769 $0 0.00%

    For 2024, The First National Bank In Carlyle's most frequently originated type of loan was Conventional, with 26 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 18 $6,070,000 $337,222 $0 0.00%
    Home Improvement 3 $145,000 $48,333 $0 0.00%
    Cash Out Refi 3 $405,000 $135,000 $0 0.00%
    Other 1 $55,000 $55,000 $0 0.00%
    Refi 1 $235,000 $235,000 $0 0.00%

    For 2024, The First National Bank In Carlyle's most frequently cited loan purpose was Home Purchase, with 18 originations. The 2nd most popular reason was Home Improvement, with 3 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 26 $6,910,000 $265,769 $0 0.00%

    For 2024, The First National Bank In Carlyle's most frequently cited loan duration was Other, with 26 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 13 $1,925,000 $148,077 $0 0.00%
    $100,000 or less 6 $170,000 $28,333 $0 0.00%
    $200k-400k 4 $1,020,000 $255,000 $0 0.00%
    $1MM+ 2 $3,150,000 $1,575,000 $0 0.00%
    $600k-1MM 1 $645,000 $645,000 $0 0.00%

    2024 saw The First National Bank In Carlyle place emphasis on $100k-200k loans with 13 originations, totaling $1,925,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 4 $660,000 $165,000 $0 0.00%
    $50k-75k 4 $420,000 $105,000 $0 0.00%
    $75k-100k 4 $450,000 $112,500 $0 0.00%
    $150k-250k 3 $295,000 $98,333 $0 0.00%
    $50k or less 1 $195,000 $195,000 $0 0.00%

    The First National Bank In Carlyle lent most frequently to those with incomes in the $100k-150k range, with 4 originations. The second most popular income band? $50k-75k, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 26 $6,910,000 $265,769 $0 0.00%

    The First National Bank In Carlyle lent most frequently to those with DTI ratios of Exempt%, with 26 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 9 $4,875,000 $541,667 $0 0.00%
    White 17 $2,035,000 $119,706 $0 0.00%

    Approval Rates

    Total approvals of all applications
    82.35%

    The First National Bank In Carlyle has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    92.31%

    The First National Bank In Carlyle has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 26 $6,910,000 $265,769

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    26 $6,910,000 $265,769