First Northern Bank Of Dixon Mortgage Rates, Fees & Info

Dixon, CA

LEI: 5493005LNO5N4F760786

Tax ID: 94-0475380

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

First Northern Bank Of Dixon is a smaller bank specializing in Home Purchase and Refi loans. First Northern Bank Of Dixon has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Vallejo, Red Bluff, San Francisco, and Chico among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Northern Bank Of Dixon has an above 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

80

Origination Dollar Volume (All Markets)

$49,420,000

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
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 47 $28,285,000 $601,809 $0 0.00%
VALLEJO, CA (FHA|USDA|VA) 23 $11,305,000 $491,522 $0 0.00%
Red Bluff, CA (FHA|USDA|VA) 1 $4,005,000 $4,005,000 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $2,110,000 $1,055,000 $0 0.00%
CHICO, CA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 0.00%
Outside of Metro Areas 2 $870,000 $435,000 $0 0.00%
YUBA CITY, CA (FHA|USDA|VA) 2 $850,000 $425,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $505,000 $505,000 $0 0.00%
NAPA, CA (FHA|USDA|VA) 1 $485,000 $485,000 $0 0.00%
First Northern Bank Of Dixon's top markets include Sacramento, Vallejo, Red Bluff, San Francisco, and Chico among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 80 $49,420,000 $617,750 $0 0.00%

    For 2022, First Northern Bank Of Dixon's most frequently originated type of loan was Conventional, with 80 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 38 $24,380,000 $641,579 $0 0.00%
    Refi 16 $13,460,000 $841,250 $0 0.00%
    Cash Out Refi 16 $7,260,000 $453,750 $0 0.00%
    Other 6 $1,870,000 $311,667 $0 0.00%
    Home Improvement 4 $2,450,000 $612,500 $0 0.00%

    For 2022, First Northern Bank Of Dixon's most frequently cited loan purpose was Home Purchase, with 38 originations. The 2nd most popular reason was Refi, with 16 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 80 $49,420,000 $617,750 $0 0.00%

    For 2022, First Northern Bank Of Dixon's most frequently cited loan duration was Other, with 80 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 29 $8,945,000 $308,448 $0 0.00%
    $400k-600k 19 $9,175,000 $482,895 $0 0.00%
    $600k-1MM 16 $12,510,000 $781,875 $0 0.00%
    $1MM+ 10 $17,810,000 $1,781,000 $0 0.00%
    $100k-200k 6 $980,000 $163,333 $0 0.00%

    2022 saw First Northern Bank Of Dixon place emphasis on $200k-400k loans with 29 originations, totaling $8,945,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 29 $19,345,000 $667,069 $0 0.00%
    $100k-150k 12 $5,500,000 $458,333 $0 0.00%
    $150k-250k 10 $4,470,000 $447,000 $0 0.00%
    $50k-75k 8 $1,680,000 $210,000 $0 0.00%
    $75k-100k 7 $2,485,000 $355,000 $0 0.00%
    $50k or less 1 $145,000 $145,000 $0 0.00%

    First Northern Bank Of Dixon lent most frequently to those with incomes in the $250k+ range, with 29 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% 80 $49,420,000 $617,750 $0 0.00%

    First Northern Bank Of Dixon lent most frequently to those with DTI ratios of Exempt%, with 80 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 52 $26,990,000 $519,038 $0 0.00%
    Not applicable 11 $14,945,000 $1,358,636 $0 0.00%
    Asian 9 $3,725,000 $413,889 $0 0.00%
    Not provided 5 $2,405,000 $481,000 $0 0.00%
    Asian Indian 1 $915,000 $915,000 $0 0.00%
    Black 2 $440,000 $220,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.83%

    First Northern Bank Of Dixon has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.00%

    First Northern Bank Of Dixon has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 80 $49,420,000 $617,750

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    80 $49,420,000 $617,750

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    FIRST CITIZENS BANCSHARES, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 100.0%