First State Bank Mortgage Rates, Fees & Info
Athens, TXLEI: 549300KOEN7O8EYN8207
Tax ID: 75-0264230
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First 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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Originations
214Origination Dollar Volume (All Markets)
$84,630,000Top 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 |
|---|---|---|---|---|---|
| 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% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 214 | $84,630,000 | $395,467 | $0 | 0.00% |
For 2022, First State Bank's most frequently originated type of loan was Conventional, with 214 originations.
Loan Reason
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 Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 214 | $84,630,000 | $395,467 | $0 | 0.00% |
For 2022, First State Bank's most frequently cited loan duration was Other, with 214 originations.
Loan Sizing
2022 saw First State Bank place emphasis on $200k-400k loans with 53 originations, totaling $15,355,000 in origination value.
Applicant Income
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 |
|---|---|---|---|---|---|
| Exempt% | 214 | $84,630,000 | $395,467 | $0 | 0.00% |
First State Bank lent most frequently to those with DTI ratios of Exempt%, with 214 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.74%
First State Bank has an average approval rate.
Pick Rate
Approvals leading to origination82.24%
First State Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 214 | $84,630,000 | $395,467 |
Complaints
| 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% |