First National Bank Of Coffee County Mortgage Rates, Fees & Info
DOUGLAS, GALEI: 254900GACVFC2JIZYT69
Tax ID: 58-1952884
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Mortgage Data
Review & Overview
First National Bank Of Coffee County is a smaller bank specializing in Home Purchase and Cash Out Refi loans. First National Bank Of Coffee County has a high proportion of conventional loans. Their top markets by origination volume include: Douglas, Miami, Tallahassee, Jacksonville, and Deltona among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank Of Coffee County has an above average approval rate when compared to the average across all lenders.
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Originations
74Origination Dollar Volume (All Markets)
$14,390,000Top 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 |
|---|---|---|---|---|---|
| Douglas, GA (FHA|USDA|VA) | 54 | $4,380,000 | $81,111 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $3,655,000 | $731,000 | $0 | 0.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $3,205,000 | $3,205,000 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $2,240,000 | $560,000 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $135,000 | $45,000 | $0 | 0.00% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Waycross, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| Americus, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 74 | $14,390,000 | $194,459 | $0 | 0.00% |
For 2019, First National Bank Of Coffee County's most frequently originated type of loan was Conventional, with 74 originations.
Loan Reason
For 2019, First National Bank Of Coffee County's most frequently cited loan purpose was Home Purchase, with 42 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 | 74 | $14,390,000 | $194,459 | $0 | 0.00% |
For 2019, First National Bank Of Coffee County's most frequently cited loan duration was Other, with 74 originations.
Loan Sizing
2019 saw First National Bank Of Coffee County place emphasis on $100,000 or less loans with 45 originations, totaling $2,145,000 in origination value.
Applicant Income
First National Bank Of Coffee County lent most frequently to those with incomes in the $50k or less range, with 18 originations. The second most popular income band? $50k-75k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 74 | $14,390,000 | $194,459 | $0 | 0.00% |
First National Bank Of Coffee County lent most frequently to those with DTI ratios of Exempt%, with 74 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 33 | $9,015,000 | $273,182 | $0 | 0.00% |
| White | 41 | $5,375,000 | $131,098 | $0 | 0.00% |
Approval Rates
Total approvals of all applications100.00%
First National Bank Of Coffee County 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 | 74 | $14,390,000 | $194,459 |
Occupancy Type Mix
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% |