The First National Bank In Carlyle Mortgage Rates, Fees & Info
Carlyle, ILLEI: 54930000REMJYLBAS614
Tax ID: 37-0206035
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Mortgage Data
Review & Overview
The First National Bank In Carlyle is a smaller bank specializing in Home Purchase and Refi loans. The First National Bank In Carlyle has a high proportion of conventional loans. Their top (well, only) market is St. Louis.The First National Bank In Carlyle 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
29Origination Dollar Volume (All Markets)
$3,285,000Top 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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 27 | $2,875,000 | $106,481 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $410,000 | $205,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 29 | $3,285,000 | $113,276 | $0 | 0.00% |
For 2023, The First National Bank In Carlyle's most frequently originated type of loan was Conventional, with 29 originations.
Loan Reason
For 2023, The First National Bank In Carlyle's most frequently cited loan purpose was Home Purchase, with 14 originations. The 2nd most popular reason was Cash Out Refi, with 7 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 29 | $3,285,000 | $113,276 | $0 | 0.00% |
For 2023, The First National Bank In Carlyle's most frequently cited loan duration was Other, with 29 originations.
Loan Sizing
2023 saw The First National Bank In Carlyle place emphasis on $100,000 or less loans with 16 originations, totaling $820,000 in origination value.
Applicant Income
The First National Bank In Carlyle lent most frequently to those with incomes in the $50k-75k range, with 8 originations. The second most popular income band? $150k-250k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 29 | $3,285,000 | $113,276 | $0 | 0.00% |
The First National Bank In Carlyle lent most frequently to those with DTI ratios of Exempt%, with 29 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 27 | $3,125,000 | $115,741 | $0 | 0.00% |
| Not applicable | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Black | 1 | $55,000 | $55,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications93.75%
The First National Bank In Carlyle has an average approval rate.
Pick Rate
Approvals leading to origination96.55%
The First National Bank In Carlyle has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 29 | $3,285,000 | $113,276 |