First National Bank Of Central Texas Mortgage Rates, Fees & Info
Waco, TXLEI: 549300B3LJV7BU7IY610
Tax ID: 74-0766260
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Mortgage Data
Review & Overview
First National Bank Of Central Texas is a smaller bank specializing in Home Purchase and Refi loans. First National Bank Of Central Texas has a high proportion of conventional loans. Their top markets by origination volume include: Waco, College Station, Dallas, Houston, and Killeen among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank Of Central Texas has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
142Origination Dollar Volume (All Markets)
$54,010,000Top 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 |
|---|---|---|---|---|---|
| WACO, TX (FHA|USDA|VA) | 77 | $24,795,000 | $322,013 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 19 | $8,625,000 | $453,947 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $7,165,000 | $1,023,571 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $5,055,000 | $722,143 | $0 | 0.00% |
| Outside of Metro Areas | 15 | $3,075,000 | $205,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 9 | $1,535,000 | $170,556 | $0 | 0.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 142 | $54,010,000 | $380,352 | $0 | 0.00% |
For 2023, First National Bank Of Central Texas's most frequently originated type of loan was Conventional, with 142 originations.
Loan Reason
For 2023, First National Bank Of Central Texas's most frequently cited loan purpose was Home Purchase, with 105 originations. The 2nd most popular reason was Refi, with 27 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 142 | $54,010,000 | $380,352 | $0 | 0.00% |
For 2023, First National Bank Of Central Texas's most frequently cited loan duration was Other, with 142 originations.
Loan Sizing
2023 saw First National Bank Of Central Texas place emphasis on $200k-400k loans with 47 originations, totaling $13,705,000 in origination value.
Applicant Income
First National Bank Of Central Texas lent most frequently to those with incomes in the $150k-250k range, with 30 originations. The second most popular income band? $250k+, with 22 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 142 | $54,010,000 | $380,352 | $0 | 0.00% |
First National Bank Of Central Texas lent most frequently to those with DTI ratios of Exempt%, with 142 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.74%
First National Bank Of Central Texas has an average approval rate.
Pick Rate
Approvals leading to origination85.92%
First National Bank Of Central Texas has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 142 | $54,010,000 | $380,352 |