First Northern Bank Of Dixon Mortgage Rates, Fees & Info
Dixon, CALEI: 5493005LNO5N4F760786
Tax ID: 94-0475380
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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, San Francisco, Vallejo, Riverside, and Bakersfield among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)First Northern Bank Of Dixon 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
62Origination Dollar Volume (All Markets)
$55,370,000Top 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 |
|---|---|---|---|---|---|
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 30 | $18,100,000 | $603,333 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $12,330,000 | $3,082,500 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 17 | $10,395,000 | $611,471 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $5,675,000 | $5,675,000 | $0 | 0.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $4,385,000 | $4,385,000 | $0 | 0.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 4 | $1,670,000 | $417,500 | $0 | 0.00% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $1,315,000 | $1,315,000 | $0 | 0.00% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $85,000 | $85,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 62 | $55,370,000 | $893,065 | $0 | 0.00% |
For 2023, First Northern Bank Of Dixon's most frequently originated type of loan was Conventional, with 62 originations.
Loan Reason
For 2023, First Northern Bank Of Dixon's most frequently cited loan purpose was Home Purchase, with 46 originations. The 2nd most popular reason was Refi, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 62 | $55,370,000 | $893,065 | $0 | 0.00% |
For 2023, First Northern Bank Of Dixon's most frequently cited loan duration was Other, with 62 originations.
Loan Sizing
2023 saw First Northern Bank Of Dixon place emphasis on $200k-400k loans with 19 originations, totaling $6,025,000 in origination value.
Applicant Income
First Northern Bank Of Dixon lent most frequently to those with incomes in the $250k+ range, with 19 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 | $55,370,000 | $893,065 | $0 | 0.00% |
First Northern Bank Of Dixon lent most frequently to those with DTI ratios of Exempt%, with 62 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.47%
First Northern Bank Of Dixon has an average approval rate.
Pick Rate
Approvals leading to origination75.81%
First Northern Bank Of Dixon has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 62 | $55,370,000 | $893,065 |