Pnb Community Bank Mortgage Rates, Fees & Info

NICEVILLE, FL

LEI: 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

62

Origination Dollar Volume (All Markets)

$11,400,000

Top 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%
Pnb Community Bank's top markets include Crestview, Pensacola, and Panama City among others.

Their top states include:
  • (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 24 $2,970,000 $123,750 $0 0.00%
    Home Purchase 23 $6,365,000 $276,739 $0 0.00%
    Cash Out Refi 13 $1,995,000 $153,462 $0 0.00%
    Home Improvement 1 $55,000 $55,000 $0 0.00%
    Other 1 $15,000 $15,000 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 25 $1,355,000 $54,200 $0 0.00%
    $100k-200k 19 $2,865,000 $150,789 $0 0.00%
    $200k-400k 10 $2,740,000 $274,000 $0 0.00%
    $400k-600k 6 $2,950,000 $491,667 $0 0.00%
    $600k-1MM 2 $1,490,000 $745,000 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 13 $1,095,000 $84,231 $0 0.00%
    $100k-150k 12 $2,310,000 $192,500 $0 0.00%
    $75k-100k 9 $1,675,000 $186,111 $0 0.00%
    $50k-75k 7 $775,000 $110,714 $0 0.00%
    $150k-250k 5 $2,315,000 $463,000 $0 0.00%
    $250k+ 3 $975,000 $325,000 $0 0.00%

    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 applications
    94.29%

    Pnb Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    93.55%

    Pnb Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 62 $11,400,000 $183,871

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $55,000 $55,000
    Multifamily:Site-Built 1 $175,000 $175,000
    Single Family (1-4 Units):Manufactured 7 $495,000 $70,714
    Single Family (1-4 Units):Site-Built 53 $10,675,000 $201,415