Fnb Bank Mortgage Rates, Fees & Info
Massena, IALEI: 254900XW0LQQA1I2P960
Tax ID: 42-0544770
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 and Refi loans. Fnb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Sioux City, Vermillion, Ames, and Des Moines 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
37Origination Dollar Volume (All Markets)
$5,645,000Top 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 | 24 | $3,500,000 | $145,833 | $0 | 0.00% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 10 | $1,340,000 | $134,000 | $0 | 0.00% |
| Vermillion, SD (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| AMES, IA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 37 | $5,645,000 | $152,568 | $0 | 0.00% |
For 2024, Fnb Bank's most frequently originated type of loan was Conventional, with 37 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 22 | $3,730,000 | $169,545 | $0 | 0.00% |
| Refi | 14 | $1,880,000 | $134,286 | $0 | 0.00% |
| Home Improvement | 1 | $35,000 | $35,000 | $0 | 0.00% |
For 2024, Fnb Bank's most frequently cited loan purpose was Home Purchase, with 22 originations. The 2nd most popular reason was Refi, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 37 | $5,645,000 | $152,568 | $0 | 0.00% |
For 2024, Fnb Bank's most frequently cited loan duration was Other, with 37 originations.
Loan Sizing
2024 saw Fnb Bank place emphasis on $100,000 or less loans with 16 originations, totaling $930,000 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? $50k or less, with 8 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 37 | $5,645,000 | $152,568 | $0 | 0.00% |
Fnb Bank lent most frequently to those with DTI ratios of Exempt%, with 37 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 37 | $5,645,000 | $152,568 | $0 | 0.00% |
Approval Rates
Total approvals of all applications85.48%
Fnb Bank has an average approval rate.
Pick Rate
Approvals leading to origination56.76%
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 | 37 | $5,645,000 | $152,568 |