Fnb Bank Mortgage Rates, Fees & Info

Romney, WV

LEI: 254900UEITST3NEK8Y27

Tax ID: 55-0267604

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Mortgage Data

Review & Overview

Fnb Bank is a smaller bank specializing in Home Purchase loans. Fnb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Winchester, Cumberland, and Hagerstown among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

Fnb 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

86

Origination Dollar Volume (All Markets)

$17,450,000

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
WINCHESTER, VA-WV (FHA|USDA|VA) 61 $12,085,000 $198,115 $0 0.00%
Outside of Metro Areas 10 $3,130,000 $313,000 $0 0.00%
CUMBERLAND, MD-WV (FHA|USDA|VA) 12 $1,770,000 $147,500 $0 0.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $465,000 $155,000 $0 0.00%
Fnb Bank's top markets include Winchester, Cumberland, and Hagerstown among others.

Their top states include:
  • West Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 86 $17,450,000 $202,907 $0 0.00%

    For 2023, Fnb Bank's most frequently originated type of loan was Conventional, with 86 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 59 $14,985,000 $253,983 $0 0.00%
    Home Improvement 12 $850,000 $70,833 $0 0.00%
    Refi 10 $1,180,000 $118,000 $0 0.00%
    Other 5 $435,000 $87,000 $0 0.00%

    For 2023, Fnb Bank's most frequently cited loan purpose was Home Purchase, with 59 originations. The 2nd most popular reason was Home Improvement, with 12 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 86 $17,450,000 $202,907 $0 0.00%

    For 2023, Fnb Bank's most frequently cited loan duration was Other, with 86 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 31 $1,805,000 $58,226 $0 0.00%
    $100k-200k 24 $3,440,000 $143,333 $0 0.00%
    $200k-400k 18 $5,020,000 $278,889 $0 0.00%
    $400k-600k 10 $4,640,000 $464,000 $0 0.00%
    $600k-1MM 2 $1,300,000 $650,000 $0 0.00%
    $1MM+ 1 $1,245,000 $1,245,000 $0 0.00%

    2023 saw Fnb Bank place emphasis on $100,000 or less loans with 31 originations, totaling $1,805,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 19 $3,935,000 $207,105 $0 0.00%
    $150k-250k 14 $3,320,000 $237,143 $0 0.00%
    $250k+ 13 $5,775,000 $444,231 $0 0.00%
    $50k or less 13 $1,055,000 $81,154 $0 0.00%
    $75k-100k 11 $1,915,000 $174,091 $0 0.00%
    $50k-75k 10 $1,140,000 $114,000 $0 0.00%

    Fnb Bank lent most frequently to those with incomes in the $100k-150k range, with 19 originations. The second most popular income band? $150k-250k, with 14 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 86 $17,450,000 $202,907 $0 0.00%

    Fnb Bank lent most frequently to those with DTI ratios of Exempt%, with 86 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 79 $17,015,000 $215,380 $0 0.00%
    Not applicable 6 $310,000 $51,667 $0 0.00%
    Asian 1 $125,000 $125,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.65%

    Fnb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.21%

    Fnb Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 86 $17,450,000 $202,907

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    86 $17,450,000 $202,907