First National Bk Waynesboro Mortgage Rates, Fees & Info

Waynesboro, GA

LEI: 254900BH50BFK66NHC96

Tax ID: 58-0242975

Latest/2023 | 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
  • Complaints
  • 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 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, Milledgeville, and Hilton Head Island among others. We have data for 4 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.

    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.

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    Originations

    57

    Origination Dollar Volume (All Markets)

    $8,245,000

    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
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 53 $7,835,000 $147,830 $0 0.00%
    Milledgeville, GA (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    Outside of Metro Areas 2 $130,000 $65,000 $0 0.00%
    First National Bk Waynesboro's top markets include Augusta, Milledgeville, and Hilton Head Island among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 57 $8,245,000 $144,649 $0 0.00%

    For 2019, First National Bk Waynesboro's most frequently originated type of loan was Conventional, with 57 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 38 $6,180,000 $162,632 $0 0.00%
    Refi 12 $1,670,000 $139,167 $0 0.00%
    Other 5 $315,000 $63,000 $0 0.00%
    Home Improvement 2 $80,000 $40,000 $0 0.00%

    For 2019, First National Bk Waynesboro's most frequently cited loan purpose was Home Purchase, with 38 originations. The 2nd most popular reason was Refi, with 12 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 57 $8,245,000 $144,649 $0 0.00%

    For 2019, First National Bk Waynesboro's most frequently cited loan duration was Other, with 57 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 24 $3,530,000 $147,083 $0 0.00%
    $100,000 or less 22 $1,250,000 $56,818 $0 0.00%
    $200k-400k 9 $2,305,000 $256,111 $0 0.00%
    $400k-600k 1 $515,000 $515,000 $0 0.00%
    $600k-1MM 1 $645,000 $645,000 $0 0.00%

    2019 saw First National Bk Waynesboro place emphasis on $100k-200k loans with 24 originations, totaling $3,530,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 17 $1,745,000 $102,647 $0 0.00%
    $50k-75k 9 $1,315,000 $146,111 $0 0.00%
    $75k-100k 9 $1,605,000 $178,333 $0 0.00%
    $100k-150k 7 $995,000 $142,143 $0 0.00%
    $150k-250k 5 $645,000 $129,000 $0 0.00%
    $250k+ 5 $755,000 $151,000 $0 0.00%

    First National Bk Waynesboro lent most frequently to those with incomes in the $50k or less range, with 17 originations. The second most popular income band? $50k-75k, with 9 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 57 $8,245,000 $144,649 $0 0.00%

    First National Bk Waynesboro lent most frequently to those with DTI ratios of Exempt%, with 57 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 45 $6,525,000 $145,000 $0 0.00%
    Not applicable 5 $1,185,000 $237,000 $0 0.00%
    Black 7 $535,000 $76,429 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    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 origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 57 $8,245,000 $144,649

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $105,000 $105,000
    Multifamily:Site-Built 1 $645,000 $645,000
    Single Family (1-4 Units):Manufactured 3 $135,000 $45,000
    Single Family (1-4 Units):Site-Built 52 $7,360,000 $141,538

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 1 16.7%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 3 50.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Closing on a mortgage 2 33.3%