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 Home Purchase, Cash Out Refi, and Refi loans. Greenville National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Greenville, Dayton, Richmond, Sidney, and New Castle among others. We have data for 14 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

336

Origination Dollar Volume (All Markets)

$60,820,000

Employee count

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)	173	$26,145,000	$151,127	$0	0.00%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	81	$17,495,000	$215,988	$0	0.00%
Richmond, IN (FHA\|USDA\|VA)	24	$4,240,000	$176,667	$0	0.00%
Outside of Metro Areas	22	$2,990,000	$135,909	$0	0.00%
Sidney, OH (FHA\|USDA\|VA)	12	$2,650,000	$220,833	$0	0.00%
New Castle, IN (FHA\|USDA\|VA)	10	$2,590,000	$259,000	$0	0.00%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	5	$2,415,000	$483,000	$0	0.00%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$1,025,000	$1,025,000	$0	0.00%
COLUMBUS, OH (FHA\|USDA\|VA)	3	$605,000	$201,667	$0	0.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	0.00%
Wapakoneta, OH (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	0.00%
Tiffin, OH (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	0.00%
Celina, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	0.00%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	0.00%

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

Their top states include:

Ohio (FHA|USDA|VA)

Indiana (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	336	$60,820,000	$181,012	$0	0.00%

For 2021, Greenville National Bank's most frequently originated type of loan was Conventional, with 336 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	132	$24,080,000	$182,424	$0	0.00%
Cash Out Refi	97	$18,035,000	$185,928	$0	0.00%
Refi	96	$17,170,000	$178,854	$0	0.00%
Other	9	$1,315,000	$146,111	$0	0.00%
Home Improvement	2	$220,000	$110,000	$0	0.00%

For 2021, Greenville National Bank's most frequently cited loan purpose was Home Purchase, with 132 originations. The 2nd most popular reason was Cash Out Refi, with 97 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	336	$60,820,000	$181,012	$0	0.00%

For 2021, Greenville National Bank's most frequently cited loan duration was Other, with 336 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	147	$21,305,000	$144,932	$0	0.00%
$100,000 or less	89	$5,675,000	$63,764	$0	0.00%
$200k-400k	78	$20,890,000	$267,821	$0	0.00%
$400k-600k	15	$7,105,000	$473,667	$0	0.00%
$600k-1MM	5	$3,565,000	$713,000	$0	0.00%
$1MM+	2	$2,280,000	$1,140,000	$0	0.00%

2021 saw Greenville National Bank place emphasis on $100k-200k loans with 147 originations, totaling $21,305,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	76	$10,770,000	$141,711	$0	0.00%
$100k-150k	73	$15,735,000	$215,548	$0	0.00%
$50k or less	62	$6,000,000	$96,774	$0	0.00%
$75k-100k	59	$9,475,000	$160,593	$0	0.00%
$150k-250k	32	$8,950,000	$279,688	$0	0.00%
$250k+	15	$5,965,000	$397,667	$0	0.00%

Greenville National Bank lent most frequently to those with incomes in the $50k-75k range, with 76 originations. The second most popular income band? $100k-150k, with 73 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	336	$60,820,000	$181,012	$0	0.00%

Greenville National Bank lent most frequently to those with DTI ratios of Exempt%, with 336 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	311	$55,505,000	$178,473	$0	0.00%
Not applicable	17	$3,635,000	$213,824	$0	0.00%
Not provided	6	$1,370,000	$228,333	$0	0.00%
Black	1	$235,000	$235,000	$0	0.00%
American Indian	1	$75,000	$75,000	$0	0.00%

Approval Rates

Total approvals of all applications
93.67%

Greenville National Bank has an average approval rate.

Pick Rate

Approvals leading to origination
86.01%

Greenville National Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	336	$60,820,000	$181,012

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	336	$60,820,000	$181,012

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	$15,434
Greenville National Bank	100 South Main Street Ansonia, OH 45303	Full Service B&M	$51,188
Greenville National Bank	11929 Us Route 36 Bradford, OH 45308	Full Service B&M	$30,824
Greenville National Bank	133 West Fourth Street Greenville, OH 45331	Limited, Drive-thru	$11,578
Greenville National Bank	2860 Alternate State Route 49 North Arcanum, OH 45304	Full Service B&M	$90,747
Greenville National Bank	446 South Broadway Greenville, OH 45331	Full Service B&M	$220,622
Greenville National Bank	480 Wagner Avenue Greenville, OH 45331	Limited, Drive-thru	$42,070
Greenville National Bank	750 Chestnut St Greenville, OH 45331	Full Service Retail	$5,395
Greenville National Bank	846 W Main Street Troy, OH 45373	Full Service B&M	$9,919
Greenville National Bank	9700 South Us 35 Losantville, IN 47354	Full Service B&M	$10,112

For 2021, Greenville National Bank had 10 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$17,443
Net interest income	$15,720
Total noninterest income	$3,146
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$373
Trading account gains and fees	$0
Additional Noninterest Income	$2,773
Pre-tax net operating income	$7,974
Securities gains (or losses, -)	$0
Income before extraordinary items	$6,419
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$6,419
Minority interest net income	$0
Net income	$6,419
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$6,419

Greenville National Bank's gross interest income from loans was $17,443,000.
Greenville National Bank's net interest income from loans was $15,720,000.
Greenville National Bank's fee based income from loans was $373,000.
Greenville National Bank's net income from loans was $6,419,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$1,723
Provision for credit losses	$100
Total noninterest expense	$10,792
Salaries and employee benefits	$6,045
Premises and equipment expense	$1,039
Additional noninterest expense	$3,708
Applicable income taxes	$1,555
Net charge-offs	$-70
Cash dividends	$3,000

Greenville National Bank's interest expense for loans was $1,723,000.
Greenville National Bank's payroll and benefits expense were $6,045,000.
Greenville National Bank's property, plant and equipment expenses $1,039,000.

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	5.0%
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	0.2%
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	$509,892
Deposits held in domestic offices	$509,892
Deposits by Individuals, partnerships, and corporations	$461,925
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$47,967
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	$210,227
Demand deposits	$98,892
Nontransaction accounts	$299,665
Money market deposit accounts (MMDAs)	$77,021
Other savings deposits (excluding MMDAs)	$114,919
Total time deposits	$107,725
Total time and savings deposits	$411,000
Noninterest-bearing deposits	$109,398
Interest-bearing deposits	$400,494
Retail deposits	$494,663
IRAs and Keogh plan accounts	$29,604
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$589,244
Cash & Balances due from depository institutions	$152,633
Interest-bearing balances	$144,812
Total securities	$90,053
Federal funds sold & reverse repurchase	$15,452
Net loans and leases	$308,385
Loan and leases loss allowance	$4,440
Trading account assets	$0
Bank premises and fixed assets	$3,986
Other real estate owned	$0
Goodwill and other intangibles	$1,134
All other assets	$17,601

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$589,244
Total Liabilities	$532,114
Total deposits	$509,892
Interest-bearing deposits	$400,494
Deposits held in domestic offices	$509,892
% insured (estimated)	$78
Federal funds purchased and repurchase agreements	$5,872
Trading liabilities	$0
Other borrowed funds	$14,594
Subordinated debt	$0
All other liabilities	$1,756

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$308,385
Loan and leases loss allowance	$4,440
Total loans and leases (domestic)	$312,825
All real estate loans	$228,096
Real estate loans in domestic offices	$228,096
Construction and development loans	$22,800
Residential 1-4 family construction	$9,696
Other construction, all land development and other land	$13,104
Loans secured by nonfarm nonresidential properties	$50,406
Nonfarm nonresidential secured by owner-occupied properties	$26,799
Commercial real estate & other non-farm, non-residential	$23,607
Multifamily residential real estate	$9,293
1-4 family residential loans	$96,229
Farmland loans	$49,368
Loans held in foreign offices	$0
Farm loans	$15,719
Commercial and industrial loans	$22,196
To non-U.S. addressees	$0
Loans to individuals	$44,500
Credit card loans	$1,273
Related Plans	$0
Consumer Auto Loans	$33,090
Other loans to individuals	$10,137
All other loans & leases	$2,344
Loans to foreign governments and official institutions	$0
Other loans	$1,092
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	$165
Non 1-4 family restructured loans & leases	$46
Total loans and leases (foreign)	$0

Greenville National Bank had $308,385,000 of loans outstanding in 2021. $228,096,000 of loans were in real estate loans. $22,800,000 of loans were in development loans. $9,293,000 of loans were in multifamily mortgage loans. $96,229,000 of loans were in 1-4 family mortgage loans. $15,719,000 of loans were in farm loans. $1,273,000 of loans were in credit card loans. $33,090,000 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	173	$28,493	$164,699
Nonfarm, nonresidential loans - <$100k	55	$2,432	$44,218
Nonfarm, nonresidential loans - $100-250k	63	$7,402	$117,492
Nonfarm, nonresidential loans - $250k-1MM	55	$18,659	$339,255
Commercial & Industrial, US addressed loans - <$1MM	411	$18,543	$45,117
Commercial & Industrial, US addressed loans - <$100k	345	$8,486	$24,597
Commercial & Industrial, US addressed loans - $100-250k	41	$3,763	$91,780
Commercial & Industrial, US addressed loans - $250k-1MM	25	$6,294	$251,760
Farmland loans - <$1MM	157	$21,308	$135,720
Farmland loans - <$100k	31	$1,486	$47,935
Farmland loans - $100-250k	84	$9,514	$113,262
Farmland loans - $250k-1MM	42	$10,308	$245,429
Agriculture operations loans - <$1MM	259	$10,040	$38,764
Agriculture operations loans - <$100k	218	$4,817	$22,096
Agriculture operations loans - $100-250k	34	$3,402	$100,059
Agriculture operations loans - $250k-1MM	7	$1,821	$260,143