First National Bank Of Winnsboro Mortgage Rates, Fees & Info

Winnsboro, TX

LEI: 549300P3IKHVYBR1E510

Tax ID: 75-0665079

Latest/2024 | 2023 Data | 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

    First National Bank Of Winnsboro is a smaller bank specializing in Home Purchase, Cash Out Refi, and Refi loans. First National Bank Of Winnsboro has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Sulphur Springs, and Mount Pleasant among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First National Bank Of Winnsboro has an 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

    18

    Origination Dollar Volume (All Markets)

    $3,060,000

    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
    Outside of Metro Areas 14 $1,690,000 $120,714 $0 0.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $1,000,000 $500,000 $0 0.00%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    First National Bank Of Winnsboro's top markets include Dallas, Sulphur Springs, and Mount Pleasant among others.

    Their top states include:
  • Texas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 18 $3,060,000 $170,000 $0 0.00%

    For 2024, First National Bank Of Winnsboro's most frequently originated type of loan was Conventional, with 18 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 8 $950,000 $118,750 $0 0.00%
    Cash Out Refi 5 $955,000 $191,000 $0 0.00%
    Home Improvement 3 $185,000 $61,667 $0 0.00%
    Other 1 $25,000 $25,000 $0 0.00%
    Refi 1 $945,000 $945,000 $0 0.00%

    For 2024, First National Bank Of Winnsboro's most frequently cited loan purpose was Home Purchase, with 8 originations. The 2nd most popular reason was Cash Out Refi, with 5 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 18 $3,060,000 $170,000 $0 0.00%

    For 2024, First National Bank Of Winnsboro's most frequently cited loan duration was Other, with 18 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 7 $345,000 $49,286 $0 0.00%
    $100k-200k 7 $945,000 $135,000 $0 0.00%
    $200k-400k 3 $825,000 $275,000 $0 0.00%
    $600k-1MM 1 $945,000 $945,000 $0 0.00%

    2024 saw First National Bank Of Winnsboro place emphasis on $100,000 or less loans with 7 originations, totaling $345,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 4 $550,000 $137,500 $0 0.00%
    $75k-100k 4 $430,000 $107,500 $0 0.00%
    $100k-150k 3 $285,000 $95,000 $0 0.00%
    $50k-75k 3 $355,000 $118,333 $0 0.00%
    $250k+ 1 $295,000 $295,000 $0 0.00%
    $50k or less 1 $45,000 $45,000 $0 0.00%

    First National Bank Of Winnsboro lent most frequently to those with incomes in the $150k-250k range, with 4 originations. The second most popular income band? $75k-100k, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 18 $3,060,000 $170,000 $0 0.00%

    First National Bank Of Winnsboro lent most frequently to those with DTI ratios of Exempt%, with 18 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 16 $1,960,000 $122,500 $0 0.00%
    Not applicable 2 $1,100,000 $550,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    72.41%

    First National Bank Of Winnsboro has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.33%

    First National Bank Of Winnsboro has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 18 $3,060,000 $170,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    18 $3,060,000 $170,000