Pnb Community Bank Mortgage Rates, Fees & Info
NICEVILLE, FLLEI: 5493000XULPSCVX2HV31
Tax ID: 59-2648364
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Mortgage Data
Review & Overview
Pnb Community Bank is a smaller bank specializing in Home Purchase loans. Pnb Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Crestview, Pensacola, and Panama City among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)Pnb Community Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
59Origination Dollar Volume (All Markets)
$13,615,000Top 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 |
|---|---|---|---|---|---|
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 55 | $12,705,000 | $231,000 | $0 | 0.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 59 | $13,615,000 | $230,763 | $0 | 0.00% |
For 2023, Pnb Community Bank's most frequently originated type of loan was Conventional, with 59 originations.
Loan Reason
For 2023, Pnb Community Bank's most frequently cited loan purpose was Home Purchase, with 25 originations. The 2nd most popular reason was Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 59 | $13,615,000 | $230,763 | $0 | 0.00% |
For 2023, Pnb Community Bank's most frequently cited loan duration was Other, with 59 originations.
Loan Sizing
2023 saw Pnb Community Bank place emphasis on $100,000 or less loans with 20 originations, totaling $1,150,000 in origination value.
Applicant Income
Pnb Community Bank lent most frequently to those with incomes in the $100k-150k range, with 10 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% | 59 | $13,615,000 | $230,763 | $0 | 0.00% |
Pnb Community Bank lent most frequently to those with DTI ratios of Exempt%, with 59 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.41%
Pnb Community Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination94.92%
Pnb Community Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 59 | $13,615,000 | $230,763 |