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

Carlyle, IL

LEI: 54930000REMJYLBAS614

Tax ID: 37-0206035

Latest/2023 | 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 and Refi loans. The First National Bank In Carlyle has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Centralia, and Tucson among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    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.

    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

    32

    Origination Dollar Volume (All Markets)

    $3,890,000

    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) 22 $3,120,000 $141,818 $0 0.00%
    Outside of Metro Areas 5 $375,000 $75,000 $0 0.00%
    Centralia, IL (FHA|USDA|VA) 4 $210,000 $52,500 $0 0.00%
    TUCSON, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
    The First National Bank In Carlyle's top markets include St. Louis, Centralia, and Tucson among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 32 $3,890,000 $121,563 $0 0.00%

    For 2022, The First National Bank In Carlyle's most frequently originated type of loan was Conventional, with 32 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 16 $2,060,000 $128,750 $0 0.00%
    Cash Out Refi 8 $440,000 $55,000 $0 0.00%
    Refi 6 $1,200,000 $200,000 $0 0.00%
    Home Improvement 2 $190,000 $95,000 $0 0.00%

    For 2022, The First National Bank In Carlyle's most frequently cited loan purpose was Home Purchase, with 16 originations. The 2nd most popular reason was Cash Out Refi, with 8 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 32 $3,890,000 $121,563 $0 0.00%

    For 2022, The First National Bank In Carlyle's most frequently cited loan duration was Other, with 32 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 19 $925,000 $48,684 $0 0.00%
    $100k-200k 8 $1,290,000 $161,250 $0 0.00%
    $200k-400k 4 $1,120,000 $280,000 $0 0.00%
    $400k-600k 1 $555,000 $555,000 $0 0.00%

    2022 saw The First National Bank In Carlyle place emphasis on $100,000 or less loans with 19 originations, totaling $925,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 12 $1,420,000 $118,333 $0 0.00%
    $50k-75k 7 $455,000 $65,000 $0 0.00%
    $75k-100k 5 $615,000 $123,000 $0 0.00%
    $50k or less 4 $160,000 $40,000 $0 0.00%
    $150k-250k 2 $780,000 $390,000 $0 0.00%

    The First National Bank In Carlyle lent most frequently to those with incomes in the $100k-150k range, with 12 originations. The second most popular income band? $50k-75k, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 32 $3,890,000 $121,563 $0 0.00%

    The First National Bank In Carlyle lent most frequently to those with DTI ratios of Exempt%, with 32 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 29 $3,355,000 $115,690 $0 0.00%
    Not applicable 2 $460,000 $230,000 $0 0.00%
    Black 1 $75,000 $75,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    The First National Bank In Carlyle 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
    90.63%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 32 $3,890,000 $121,563

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    32 $3,890,000 $121,563