Fncb Bank Mortgage Rates, Fees & Info

Dunmore, PA

LEI: 2549001VTOPU7JA6G249

Tax ID: 24-0566588

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • 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

    Fncb Bank is a smaller bank specializing in Home Purchase and Refi loans. Fncb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Scranton, New York, Philadelphia, North Port, and Pottsville among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Fncb Bank 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. Fncb Bank is typically an average 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.81% 4/21/24
    30 Year Conventional Refi 6.53% 4/21/24
    30 Year Cash-out Refi 6.89% 4/21/24
    15 Year Conventional Purchase 6.29% 4/21/24
    15 Year Conventional Refi 6.68% 4/21/24
    15 Year Cash-out Refi 6.68% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Fncb Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Fncb Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    346

    Origination Dollar Volume (All Markets)

    $66,720,000

    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
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 295 $57,625,000 $195,339 $2,892 4.57%
    Outside of Metro Areas 30 $4,770,000 $159,000 $1,969 4.01%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 6 $1,160,000 $193,333 $6,040 4.67%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $920,000 $460,000 $10,887 4.16%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $815,000 $815,000 $1,044 3.13%
    Pottsville, PA (FHA|USDA|VA) 4 $350,000 $87,500 $3,063 4.50%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $325,000 $108,333 $4,262 4.58%
    READING, PA (FHA|USDA|VA) 1 $285,000 $285,000 $6,222 7.63%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.13%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $205,000 $68,333 $1,315 5.17%
    Fncb Bank's top markets include Scranton, New York, Philadelphia, North Port, and Pottsville among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)

    • 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.

    CROSS VALLEY FEDERAL CREDIT UNION
    Similarity Rank: 168
    First Columbia Bank & Trust Co.
    Similarity Rank: 288
    Peoples Security Bank and Trust Company
    Similarity Rank: 440
    The Honesdale National Bank
    Similarity Rank: 450
    PENNSYLVANIA STATE EMPLOYEES Credit Union
    Similarity Rank: 456
    First Keystone Community Bank
    Similarity Rank: 481
    ESSA Bank & Trust
    Similarity Rank: 494
    The Luzerne Bank
    Similarity Rank: 672
    NBT Bank
    Similarity Rank: 748
    FNCB Bank
    Similarity Rank: 820

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 346 $66,720,000 $192,832 $2,927 4.53%

    For 2022, Fncb Bank's most frequently originated type of loan was Conventional, with 346 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 145 $40,365,000 $278,379 $5,851 5.13%
    Refi 112 $17,370,000 $155,089 $1,443 3.58%
    Home Improvement 34 $3,230,000 $95,000 $1,024 4.94%
    Cash Out Refi 31 $3,075,000 $99,194 $1,932 5.05%
    Other 24 $2,680,000 $111,667 $1,309 4.13%

    For 2022, Fncb Bank's most frequently cited loan purpose was Home Purchase, with 145 originations. The 2nd most popular reason was Refi, with 112 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 113 $16,965,000 $150,133 $1,194 3.94%
    15 Year 85 $9,485,000 $111,588 $1,829 5.07%
    30 Year 69 $15,805,000 $229,058 $6,307 5.10%
    10 Year 36 $2,990,000 $83,056 $888 3.59%
    20 Year 28 $17,640,000 $630,000 $4,694 4.89%
    30+ year 8 $2,870,000 $358,750 $9,674 4.47%
    5 Year 4 $370,000 $92,500 $896 4.81%
    1 Year 3 $595,000 $198,333 $0 6.33%

    For 2022, Fncb Bank's most frequently cited loan duration was Other, with 113 originations. The 2nd most popular length was 15 Year, with 85 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 171 $19,815,000 $115,877
    $2k-3k 35 $8,895,000 $254,143
    $3k-4k 19 $4,275,000 $225,000
    $1k-2k 18 $2,600,000 $144,444
    $5k+ 10 $3,020,000 $302,000
    $4k-5k 5 $1,505,000 $301,000

    Fncb Bank's average total fees were $6,307, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 171 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 108 $20,480,000 $189,630
    3-4% 80 $13,530,000 $169,125
    5-6% 70 $12,040,000 $172,000
    2.5-3% 40 $5,010,000 $125,250
    6-7% 26 $4,290,000 $165,000
    7-8% 12 $10,080,000 $840,000
    <2.5% 9 $1,125,000 $125,000
    Over 8% 1 $165,000 $165,000

    During 2022, Fncb Bank's average interest rate for loans was 5.10%, while their most frequently originated rate bucket for loans was 4-5%, with 108 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 138 $8,870,000 $64,275 $1,510 4.35%
    $100k-200k 122 $17,380,000 $142,459 $2,558 4.47%
    $200k-400k 68 $18,770,000 $276,029 $6,061 4.97%
    $400k-600k 9 $4,455,000 $495,000 $6,338 4.70%
    $600k-1MM 6 $4,960,000 $826,667 $3,766 4.20%
    $1MM+ 3 $12,285,000 $4,095,000 $0 5.42%

    2022 saw Fncb Bank place emphasis on $100,000 or less loans with 138 originations, totaling $8,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 57 $6,145,000 $107,807 $2,789 4.34%
    $100k-150k 54 $9,210,000 $170,556 $3,444 4.39%
    $50k or less 53 $4,125,000 $77,830 $2,168 4.21%
    $75k-100k 50 $6,330,000 $126,600 $2,539 4.27%
    $150k-250k 47 $11,815,000 $251,383 $3,889 4.35%
    $250k+ 12 $3,960,000 $330,000 $2,422 4.07%

    Fncb Bank lent most frequently to those with incomes in the $50k-75k range, with 57 originations. The second most popular income band? $100k-150k, with 54 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 63 $7,145,000 $113,413 $2,163 3.96%
    30-36% 49 $7,165,000 $146,224 $2,897 4.60%
    <20% 23 $3,305,000 $143,696 $2,585 3.75%
    42% 23 $4,265,000 $185,435 $3,117 3.93%
    37% 15 $2,085,000 $139,000 $3,583 4.67%
    39% 15 $2,155,000 $143,667 $2,148 4.39%
    41% 14 $2,390,000 $170,714 $1,740 3.90%
    40% 13 $2,585,000 $198,846 $3,256 4.57%
    44% 11 $1,635,000 $148,636 $4,877 4.86%
    38% 9 $1,945,000 $216,111 $4,999 4.82%
    36% 9 $2,205,000 $245,000 $3,004 4.39%
    43% 7 $825,000 $117,857 $3,467 4.71%
    50-60% 5 $1,175,000 $235,000 $5,240 5.55%
    45% 5 $1,025,000 $205,000 $5,085 4.15%
    >60% 4 $860,000 $215,000 $2,029 5.03%
    46% 3 $235,000 $78,333 $4,202 4.79%
    48% 2 $390,000 $195,000 $5,060 4.75%
    47% 1 $65,000 $65,000 $6,136 4.88%

    Fncb Bank lent most frequently to those with DTI ratios of 20-30%, with 63 originations. The next most common DTI ratio? 30-36%, with 49 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 251 $38,305,000 $152,610 $2,929 4.29%
    Not applicable 69 $23,785,000 $344,710 $0 5.37%
    Not provided 17 $2,165,000 $127,353 $2,790 4.76%
    2 $1,260,000 $630,000 $6,164 4.94%
    Asian 5 $1,055,000 $211,000 $2,583 4.60%
    Black 1 $85,000 $85,000 $4,284 2.50%
    Native Hawaiian or Islander 1 $65,000 $65,000 $1,224 4.80%

    Approval Rates

    Total approvals of all applications
    85.56%

    Fncb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.79%

    Fncb Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 346 $66,720,000 $192,832

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    346 $66,720,000 $192,832

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 68 $13,530,000 $198,971 $1,500 4.32%
    40-60% 63 $10,285,000 $163,254 $2,165 3.96%
    60-80% 120 $24,390,000 $203,250 $4,313 4.83%
    80-100% 63 $13,405,000 $212,778 $4,789 4.93%
    Over 100% 2 $240,000 $120,000 $0 4.50%
    Under 20% 30 $4,870,000 $162,333 $835 4.17%