Greenville National Bank Mortgage Rates, Fees & Info

Greenville, OH

LEI: 254900KE1KGYIP021V52

Tax ID: 34-4249625

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

Review & Overview

Greenville National Bank is a smaller bank specializing in Refi and Home Purchase loans. Greenville National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Greenville, Dayton, Sidney, Richmond, and Cincinnati among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

Greenville National 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.

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Originations

497

Origination Dollar Volume (All Markets)

$91,135,000

Employee count

100

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
Greenville, OH (FHA\|USDA\|VA)	267	$41,635,000	$155,936	$0	0.00%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	146	$33,550,000	$229,795	$0	0.00%
Sidney, OH (FHA\|USDA\|VA)	22	$3,850,000	$175,000	$0	0.00%
Outside of Metro Areas	19	$2,745,000	$144,474	$0	0.00%
Richmond, IN (FHA\|USDA\|VA)	10	$2,220,000	$222,000	$0	0.00%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	6	$1,890,000	$315,000	$0	0.00%
Celina, OH (FHA\|USDA\|VA)	8	$1,530,000	$191,250	$0	0.00%
COLUMBUS, OH (FHA\|USDA\|VA)	4	$1,210,000	$302,500	$0	0.00%
Wapakoneta, OH (FHA\|USDA\|VA)	4	$1,020,000	$255,000	$0	0.00%
New Castle, IN (FHA\|USDA\|VA)	4	$580,000	$145,000	$0	0.00%
MUNCIE, IN (FHA\|USDA\|VA)	2	$290,000	$145,000	$0	0.00%
LOUISVILLE, KY (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	0.00%
TOLEDO, OH (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	0.00%
Urbana, OH (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	0.00%
LIMA, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	0.00%
Findlay, OH (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	0.00%

Greenville National Bank's top markets include Greenville, Dayton, Sidney, Richmond, and Cincinnati among others.

Their top states include:

Ohio (FHA|USDA|VA)

Indiana (FHA|USDA|VA)

Kentucky (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	497	$91,135,000	$183,370	$0	0.00%

For 2020, Greenville National Bank's most frequently originated type of loan was Conventional, with 497 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	286	$52,600,000	$183,916	$0	0.00%
Home Purchase	146	$28,350,000	$194,178	$0	0.00%
Cash Out Refi	48	$8,220,000	$171,250	$0	0.00%
Home Improvement	12	$1,650,000	$137,500	$0	0.00%
Other	5	$315,000	$63,000	$0	0.00%

For 2020, Greenville National Bank's most frequently cited loan purpose was Refi, with 286 originations. The 2nd most popular reason was Home Purchase, with 146 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	497	$91,135,000	$183,370	$0	0.00%

For 2020, Greenville National Bank's most frequently cited loan duration was Other, with 497 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	188	$26,120,000	$138,936	$0	0.00%
$200k-400k	145	$41,165,000	$283,897	$0	0.00%
$100,000 or less	138	$9,700,000	$70,290	$0	0.00%
$400k-600k	20	$9,500,000	$475,000	$0	0.00%
$600k-1MM	5	$3,595,000	$719,000	$0	0.00%
$1MM+	1	$1,055,000	$1,055,000	$0	0.00%

2020 saw Greenville National Bank place emphasis on $100k-200k loans with 188 originations, totaling $26,120,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	127	$27,225,000	$214,370	$0	0.00%
$50k-75k	106	$13,790,000	$130,094	$0	0.00%
$50k or less	93	$8,805,000	$94,677	$0	0.00%
$75k-100k	76	$12,440,000	$163,684	$0	0.00%
$150k-250k	59	$18,585,000	$315,000	$0	0.00%
$250k+	17	$7,225,000	$425,000	$0	0.00%

Greenville National Bank lent most frequently to those with incomes in the $100k-150k range, with 127 originations. The second most popular income band? $50k-75k, with 106 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	497	$91,135,000	$183,370	$0	0.00%

Greenville National Bank lent most frequently to those with DTI ratios of Exempt%, with 497 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	473	$87,485,000	$184,958	$0	0.00%
Not applicable	19	$3,065,000	$161,316	$0	0.00%
Black	2	$310,000	$155,000	$0	0.00%
Not provided	2	$220,000	$110,000	$0	0.00%
American Indian	1	$55,000	$55,000	$0	0.00%

Approval Rates

Total approvals of all applications
92.08%

Greenville National Bank has an average approval rate.

Pick Rate

Approvals leading to origination
88.13%

Greenville National Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	497	$91,135,000	$183,370

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	2	$1,300,000	$650,000
Single Family (1-4 Units):Manufactured	3	$475,000	$158,333
Single Family (1-4 Units):Site-Built	492	$89,360,000	$181,626

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Greenville National Bank	100 E Main Street Gettysburg, OH 45328	Full Service B&M	$11,927
Greenville National Bank	100 South Main Street Ansonia, OH 45303	Full Service B&M	$45,295
Greenville National Bank	11929 Us Route 36 Bradford, OH 45308	Full Service B&M	$28,673
Greenville National Bank	133 West Fourth Street Greenville, OH 45331	Limited, Drive-thru	$11,210
Greenville National Bank	2860 Alternate State Route 49 North Arcanum, OH 45304	Full Service B&M	$77,376
Greenville National Bank	446 South Broadway Greenville, OH 45331	Full Service B&M	$199,684
Greenville National Bank	480 Wagner Avenue Greenville, OH 45331	Limited, Drive-thru	$36,810
Greenville National Bank	750 Chestnut St Greenville, OH 45331	Full Service Retail	$6,248
Greenville National Bank	846 W Main Street Troy, OH 45373	Full Service B&M	$9,502
Greenville National Bank	9700 South Us 35 Losantville, IN 47354	Full Service B&M	$7,447

For 2020, Greenville National Bank had 10 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$18,361
Net interest income	$15,444
Total noninterest income	$2,998
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$396
Trading account gains and fees	$0
Additional Noninterest Income	$2,602
Pre-tax net operating income	$7,236
Securities gains (or losses, -)	$0
Income before extraordinary items	$5,859
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$5,859
Minority interest net income	$0
Net income	$5,859
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$5,859

Greenville National Bank's gross interest income from loans was $18,361,000.
Greenville National Bank's net interest income from loans was $15,444,000.
Greenville National Bank's fee based income from loans was $396,000.
Greenville National Bank's net income from loans was $5,859,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$2,917
Provision for credit losses	$210
Total noninterest expense	$10,996
Salaries and employee benefits	$6,118
Premises and equipment expense	$1,074
Additional noninterest expense	$3,804
Applicable income taxes	$1,377
Net charge-offs	$50
Cash dividends	$3,000

Greenville National Bank's interest expense for loans was $2,917,000.
Greenville National Bank's payroll and benefits expense were $6,118,000.
Greenville National Bank's property, plant and equipment expenses $1,074,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	1.0%
Real Estate loans	1.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	6.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.3%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$461,922
Deposits held in domestic offices	$461,922
Deposits by Individuals, partnerships, and corporations	$419,142
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$42,780
Deposits by Commercial banks and other depository institutions in U.S.	$0
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$187,008
Demand deposits	$91,666
Nontransaction accounts	$274,914
Money market deposit accounts (MMDAs)	$63,543
Other savings deposits (excluding MMDAs)	$98,562
Total time deposits	$112,809
Total time and savings deposits	$370,256
Noninterest-bearing deposits	$102,205
Interest-bearing deposits	$359,717
Retail deposits	$450,739
IRAs and Keogh plan accounts	$30,362
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$542,104
Cash & Balances due from depository institutions	$112,268
Interest-bearing balances	$104,783
Total securities	$72,467
Federal funds sold & reverse repurchase	$13,665
Net loans and leases	$322,014
Loan and leases loss allowance	$4,270
Trading account assets	$0
Bank premises and fixed assets	$4,098
Other real estate owned	$0
Goodwill and other intangibles	$867
All other assets	$16,725

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$542,104
Total Liabilities	$486,986
Total deposits	$461,922
Interest-bearing deposits	$359,717
Deposits held in domestic offices	$461,922
% insured (estimated)	$80
Federal funds purchased and repurchase agreements	$4,383
Trading liabilities	$0
Other borrowed funds	$18,827
Subordinated debt	$0
All other liabilities	$1,854

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$322,014
Loan and leases loss allowance	$4,270
Total loans and leases (domestic)	$326,284
All real estate loans	$232,836
Real estate loans in domestic offices	$232,836
Construction and development loans	$16,411
Residential 1-4 family construction	$9,015
Other construction, all land development and other land	$7,396
Loans secured by nonfarm nonresidential properties	$47,114
Nonfarm nonresidential secured by owner-occupied properties	$24,451
Commercial real estate & other non-farm, non-residential	$22,663
Multifamily residential real estate	$12,149
1-4 family residential loans	$104,924
Farmland loans	$52,238
Loans held in foreign offices	$0
Farm loans	$15,717
Commercial and industrial loans	$27,057
To non-U.S. addressees	$0
Loans to individuals	$48,459
Credit card loans	$1,128
Related Plans	$0
Consumer Auto Loans	$37,034
Other loans to individuals	$10,297
All other loans & leases	$2,332
Loans to foreign governments and official institutions	$0
Other loans	$1,190
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$266
Non 1-4 family restructured loans & leases	$145
Total loans and leases (foreign)	$0

Greenville National Bank had $322,014,000 of loans outstanding in 2020. $232,836,000 of loans were in real estate loans. $16,411,000 of loans were in development loans. $12,149,000 of loans were in multifamily mortgage loans. $104,924,000 of loans were in 1-4 family mortgage loans. $15,717,000 of loans were in farm loans. $1,128,000 of loans were in credit card loans. $37,034,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	180	$29,209	$162,272
Nonfarm, nonresidential loans - <$100k	64	$2,408	$37,625
Nonfarm, nonresidential loans - $100-250k	61	$7,296	$119,607
Nonfarm, nonresidential loans - $250k-1MM	55	$19,505	$354,636
Commercial & Industrial, US addressed loans - <$1MM	509	$19,387	$38,088
Commercial & Industrial, US addressed loans - <$100k	442	$9,742	$22,041
Commercial & Industrial, US addressed loans - $100-250k	50	$4,804	$96,080
Commercial & Industrial, US addressed loans - $250k-1MM	17	$4,841	$284,765
Farmland loans - <$1MM	175	$23,985	$137,057
Farmland loans - <$100k	38	$1,740	$45,789
Farmland loans - $100-250k	89	$10,570	$118,764
Farmland loans - $250k-1MM	48	$11,675	$243,229
Agriculture operations loans - <$1MM	215	$9,055	$42,116
Agriculture operations loans - <$100k	177	$3,807	$21,508
Agriculture operations loans - $100-250k	30	$3,332	$111,067
Agriculture operations loans - $250k-1MM	8	$1,916	$239,500