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 Refi and 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
62Origination Dollar Volume (All Markets)
$11,400,000Top 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) | 60 | $10,790,000 | $179,833 | $0 | 0.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 62 | $11,400,000 | $183,871 | $0 | 0.00% |
For 2019, Pnb Community Bank's most frequently originated type of loan was Conventional, with 62 originations.
Loan Reason
For 2019, Pnb Community Bank's most frequently cited loan purpose was Refi, with 24 originations. The 2nd most popular reason was Home Purchase, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 62 | $11,400,000 | $183,871 | $0 | 0.00% |
For 2019, Pnb Community Bank's most frequently cited loan duration was Other, with 62 originations.
Loan Sizing
2019 saw Pnb Community Bank place emphasis on $100,000 or less loans with 25 originations, totaling $1,355,000 in origination value.
Applicant Income
Pnb Community Bank lent most frequently to those with incomes in the $50k or less range, with 13 originations. The second most popular income band? $100k-150k, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 62 | $11,400,000 | $183,871 | $0 | 0.00% |
Pnb Community Bank lent most frequently to those with DTI ratios of Exempt%, with 62 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 51 | $9,365,000 | $183,627 | $0 | 0.00% |
| Not applicable | 11 | $2,035,000 | $185,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications94.29%
Pnb Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination93.55%
Pnb Community Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 62 | $11,400,000 | $183,871 |