Fnb Bank Mortgage Rates, Fees & Info
Massena, IALEI: 254900XW0LQQA1I2P960
Tax ID: 42-0544770
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Mortgage Data
Review & Overview
Fnb Bank is a smaller bank specializing in Home Purchase and Refi loans. Fnb Bank has a high proportion of conventional loans. Their top two markets are Sioux City and Des Moines .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
27Origination Dollar Volume (All Markets)
$3,605,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 19 | $2,325,000 | $122,368 | $0 | 0.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 27 | $3,605,000 | $133,519 | $0 | 0.00% |
For 2023, Fnb Bank's most frequently originated type of loan was Conventional, with 27 originations.
Loan Reason
For 2023, Fnb Bank's most frequently cited loan purpose was Home Purchase, with 14 originations. The 2nd most popular reason was Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 27 | $3,605,000 | $133,519 | $0 | 0.00% |
For 2023, Fnb Bank's most frequently cited loan duration was Other, with 27 originations.
Loan Sizing
2023 saw Fnb Bank place emphasis on $100,000 or less loans with 12 originations, totaling $530,000 in origination value.
Applicant Income
Fnb Bank lent most frequently to those with incomes in the $50k-75k range, with 9 originations. The second most popular income band? $150k-250k, with 8 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 27 | $3,605,000 | $133,519 | $0 | 0.00% |
Fnb Bank lent most frequently to those with DTI ratios of Exempt%, with 27 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 26 | $3,450,000 | $132,692 | $0 | 0.00% |
| Not applicable | 1 | $155,000 | $155,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications82.00%
Fnb Bank has a below average approval rate.
Pick Rate
Approvals leading to origination48.15%
Fnb Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 27 | $3,605,000 | $133,519 |