Fncb Bank Mortgage Rates, Fees & Info
Dunmore, PALEI: 2549001VTOPU7JA6G249
Tax ID: 24-0566588
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Mortgage Data
Review & Overview
Fncb Bank is a smaller bank specializing in Home Purchase loans. Fncb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Scranton, East Stroudsburg, Allentown, State College, and Cape Coral among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Fncb 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. Fncb Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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Originations
50Origination Dollar Volume (All Markets)
$17,560,000Top 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 |
|---|---|---|---|---|---|
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 38 | $12,540,000 | $330,000 | $4,975 | 8.02% |
| Outside of Metro Areas | 5 | $2,475,000 | $495,000 | $7,073 | 7.11% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $4,399 | 6.66% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $5,585 | 6.51% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.99% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against FNCB Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 50 | $17,560,000 | $351,200 | $5,493 | 7.76% |
For 2023, Fncb Bank's most frequently originated type of loan was Conventional, with 50 originations.
Loan Reason
For 2023, Fncb Bank's most frequently cited loan purpose was Home Purchase, with 39 originations. The 2nd most popular reason was Refi, with 8 originations.
Loan Duration/Length
For 2023, Fncb Bank's most frequently cited loan duration was 15 Year, with 19 originations. The 2nd most popular length was 30 Year, with 12 originations.
Origination Fees/Closing Costs
Fncb Bank's average total fees were $5,574, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 9 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 19 | $6,165,000 | $324,474 |
| Over 8% | 18 | $7,230,000 | $401,667 |
| 6-7% | 13 | $4,165,000 | $320,385 |
During 2023, Fncb Bank's average interest rate for loans was 6.74%, while their most frequently originated rate bucket for loans was 7-8%, with 19 originations.
Loan Sizing
2023 saw Fncb Bank place emphasis on $100k-200k loans with 14 originations, totaling $1,930,000 in origination value.
Applicant Income
Fncb Bank lent most frequently to those with incomes in the $100k-150k range, with 8 originations. The second most popular income band? $250k+, with 8 originations.
Applicant Debt to Income Ratio
Fncb Bank lent most frequently to those with DTI ratios of 20-30%, with 6 originations. The next most common DTI ratio? 30-36%, with 6 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.44%
Fncb Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination74.00%
Fncb Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 50 | $17,560,000 | $351,200 |