First National Bk Waynesboro Mortgage Rates, Fees & Info
Waynesboro, GALEI: 254900BH50BFK66NHC96
Tax ID: 58-0242975
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First National Bk Waynesboro is a smaller mortgage company specializing in Home Purchase and Refi loans. First National Bk Waynesboro has a high proportion of conventional loans. Their top markets by origination volume include: Augusta, Brunswick, Hilton Head Island, Statesboro, and Vidalia among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bk Waynesboro has an above average approval rate when compared to the average across all lenders.
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Originations
88Origination Dollar Volume (All Markets)
$17,160,000Top Markets
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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 |
|---|---|---|---|---|---|
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 77 | $15,675,000 | $203,571 | $0 | 0.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $440,000 | $110,000 | $0 | 0.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 88 | $17,160,000 | $195,000 | $0 | 0.00% |
For 2024, First National Bk Waynesboro's most frequently originated type of loan was Conventional, with 88 originations.
Loan Reason
For 2024, First National Bk Waynesboro's most frequently cited loan purpose was Home Purchase, with 44 originations. The 2nd most popular reason was Refi, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 88 | $17,160,000 | $195,000 | $0 | 0.00% |
For 2024, First National Bk Waynesboro's most frequently cited loan duration was Other, with 88 originations.
Loan Sizing
2024 saw First National Bk Waynesboro place emphasis on $200k-400k loans with 28 originations, totaling $7,820,000 in origination value.
Applicant Income
First National Bk Waynesboro lent most frequently to those with incomes in the $100k-150k range, with 20 originations. The second most popular income band? $50k or less, with 20 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 88 | $17,160,000 | $195,000 | $0 | 0.00% |
First National Bk Waynesboro lent most frequently to those with DTI ratios of Exempt%, with 88 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 73 | $14,105,000 | $193,219 | $0 | 0.00% |
| Black | 15 | $3,055,000 | $203,667 | $0 | 0.00% |
Approval Rates
Total approvals of all applications100.00%
First National Bk Waynesboro has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 88 | $17,160,000 | $195,000 |