First State Bank Mortgage Rates, Fees & InfoAthens, TX
Tax ID: 75-0264230
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewFirst State Bank is a smaller bank specializing in Home Purchase loans. First State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Athens, Santa Fe, Dallas, Corsicana, and Tyler among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)
First State Bank 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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Origination Dollar Volume (All Markets)$84,630,000
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|
|Athens, TX (FHA|USDA|VA)||94||$29,970,000||$318,830||$0||0.00%|
|SANTA FE, NM (FHA|USDA|VA)||26||$19,160,000||$736,923||$0||0.00%|
|Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)||23||$8,675,000||$377,174||$0||0.00%|
|Outside of Metro Areas||20||$4,830,000||$241,500||$0||0.00%|
|Corsicana, TX (FHA|USDA|VA)||14||$4,010,000||$286,429||$0||0.00%|
|TYLER, TX (FHA|USDA|VA)||10||$3,540,000||$354,000||$0||0.00%|
|Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA)||1||$3,005,000||$3,005,000||$0||0.00%|
|HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA)||4||$2,370,000||$592,500||$0||0.00%|
|SHERMAN-DENISON, TX (FHA|USDA|VA)||3||$2,265,000||$755,000||$0||0.00%|
|Palestine, TX (FHA|USDA|VA)||6||$1,270,000||$211,667||$0||0.00%|
|SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA)||1||$1,065,000||$1,065,000||$0||0.00%|
|ALBUQUERQUE, NM (FHA|USDA|VA)||2||$1,050,000||$525,000||$0||0.00%|
|Whitewater, WI (FHA|USDA|VA)||1||$645,000||$645,000||$0||0.00%|
|Steamboat Springs, CO (FHA|USDA|VA)||1||$605,000||$605,000||$0||0.00%|
|LONGVIEW, TX (FHA|USDA|VA)||2||$470,000||$235,000||$0||0.00%|
|Taos, NM (FHA|USDA|VA)||1||$355,000||$355,000||$0||0.00%|
|AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA)||1||$345,000||$345,000||$0||0.00%|
|CORPUS CHRISTI, TX (FHA|USDA|VA)||1||$315,000||$315,000||$0||0.00%|
|Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)||1||$255,000||$255,000||$0||0.00%|
|PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)||1||$245,000||$245,000||$0||0.00%|
|Bonham, TX (FHA|USDA|VA)||1||$185,000||$185,000||$0||0.00%|
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, First State Bank's most frequently originated type of loan was Conventional, with 214 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, First State Bank's most frequently cited loan purpose was Home Purchase, with 136 originations. The 2nd most popular reason was Refi, with 38 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, First State Bank's most frequently cited loan duration was Other, with 214 originations.
2022 saw First State Bank place emphasis on $200k-400k loans with 53 originations, totaling $15,355,000 in origination value.
First State Bank lent most frequently to those with incomes in the $250k+ range, with 43 originations. The second most popular income band? $150k-250k, with 41 originations.
Applicant Debt to Income Ratio
|DTI Ratio||Originations||Total Value||Average Loan||Average Fees||Average Rate|
First State Bank lent most frequently to those with DTI ratios of Exempt%, with 214 originations.
Approval RatesTotal approvals of all applications
First State Bank has an average approval rate.
Pick RateApprovals leading to origination
First State Bank has a below average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2022 CPFB Complaints||% of Total Issues|
|FIRST CITIZENS BANCSHARES, INC.||Home equity loan or line of credit (HELOC)||Applying for a mortgage or refinancing an existing mortgage||1||100.0%|