Fnb Bank Mortgage Rates, Fees & Info
Romney, WVLEI: 254900UEITST3NEK8Y27
Tax ID: 55-0267604
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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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, New Orleans, and Hagerstown among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Fnb Bank has an 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
50Origination Dollar Volume (All Markets)
$9,250,000Top 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 |
|---|---|---|---|---|---|
| WINCHESTER, VA-WV (FHA|USDA|VA) | 31 | $5,885,000 | $189,839 | $0 | 0.00% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 14 | $2,110,000 | $150,714 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $845,000 | $281,667 | $0 | 0.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 50 | $9,250,000 | $185,000 | $0 | 0.00% |
For 2024, Fnb Bank's most frequently originated type of loan was Conventional, with 50 originations.
Loan Reason
For 2024, Fnb Bank's most frequently cited loan purpose was Home Purchase, with 27 originations. The 2nd most popular reason was Home Improvement, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 50 | $9,250,000 | $185,000 | $0 | 0.00% |
For 2024, Fnb Bank's most frequently cited loan duration was Other, with 50 originations.
Loan Sizing
2024 saw Fnb Bank place emphasis on $100,000 or less loans with 25 originations, totaling $1,125,000 in origination value.
Applicant Income
Fnb Bank lent most frequently to those with incomes in the $50k or less range, with 11 originations. The second most popular income band? $75k-100k, with 8 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 50 | $9,250,000 | $185,000 | $0 | 0.00% |
Fnb Bank lent most frequently to those with DTI ratios of Exempt%, with 50 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 44 | $6,640,000 | $150,909 | $0 | 0.00% |
| Not applicable | 6 | $2,610,000 | $435,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications82.86%
Fnb Bank has a below average approval rate.
Pick Rate
Approvals leading to origination84.00%
Fnb Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 50 | $9,250,000 | $185,000 |