First National Bank Of Pulaski Mortgage Rates, Fees & Info
Pulaski, TNLEI: 549300ZGTRKCDKOVEQ80
Tax ID: 62-0339305
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Mortgage Data
Review & Overview
First National Bank Of Pulaski is a smaller bank specializing in Home Purchase loans. First National Bank Of Pulaski has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Huntsville, Lewisburg, Nashville, Decatur, and Florence among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank Of Pulaski 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
434Origination Dollar Volume (All Markets)
$114,940,000Top 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 |
|---|---|---|---|---|---|
| HUNTSVILLE, AL (FHA|USDA|VA) | 150 | $43,620,000 | $290,800 | $0 | 0.00% |
| Outside of Metro Areas | 140 | $31,740,000 | $226,714 | $0 | 0.00% |
| Lewisburg, TN (FHA|USDA|VA) | 39 | $8,735,000 | $223,974 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 29 | $8,655,000 | $298,448 | $0 | 0.00% |
| DECATUR, AL (FHA|USDA|VA) | 11 | $4,315,000 | $392,273 | $0 | 0.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 11 | $2,565,000 | $233,182 | $0 | 0.00% |
| Cullman, AL (FHA|USDA|VA) | 9 | $2,395,000 | $266,111 | $0 | 0.00% |
| Lawrenceburg, TN (FHA|USDA|VA) | 11 | $2,345,000 | $213,182 | $0 | 0.00% |
| Albertville, AL (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $0 | 0.00% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 8 | $1,650,000 | $206,250 | $0 | 0.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $0 | 0.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $0 | 0.00% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 0.00% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 0.00% |
| Shelbyville, TN (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $0 | 0.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
Product Mix
For 2022, First National Bank Of Pulaski's most frequently originated type of loan was Conventional, with 417 originations. Their 2nd most popular type was VA, with 9 originations.
Loan Reason
For 2022, First National Bank Of Pulaski's most frequently cited loan purpose was Home Purchase, with 303 originations. The 2nd most popular reason was Refi, with 99 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 434 | $114,940,000 | $264,839 | $0 | 0.00% |
For 2022, First National Bank Of Pulaski's most frequently cited loan duration was Other, with 434 originations.
Loan Sizing
2022 saw First National Bank Of Pulaski place emphasis on $200k-400k loans with 161 originations, totaling $46,055,000 in origination value.
Applicant Income
First National Bank Of Pulaski lent most frequently to those with incomes in the $100k-150k range, with 86 originations. The second most popular income band? $50k-75k, with 74 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 434 | $114,940,000 | $264,839 | $0 | 0.00% |
First National Bank Of Pulaski lent most frequently to those with DTI ratios of Exempt%, with 434 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.58%
First National Bank Of Pulaski has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination79.26%
First National Bank Of Pulaski has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 434 | $114,940,000 | $264,839 |
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% |