Fnbc Bank Mortgage Rates, Fees & Info

Ash Flat, AR

LEI: 549300CCQSH6ZSQHNS49

Tax ID: 71-0009635

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Fnbc Bank is a smaller bank specializing in Home Purchase and Refi loans. Fnbc Bank has a high proportion of conventional loans. Their top markets by origination volume include: Batesville, Jonesboro, Mountain Home, West Plains, and Fayetteville among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Fnbc Bank 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    211

    Origination Dollar Volume (All Markets)

    $37,445,000

    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
    Batesville, AR (FHA|USDA|VA) 78 $12,470,000 $159,872 $0 0.00%
    Outside of Metro Areas 70 $9,690,000 $138,429 $0 0.00%
    JONESBORO, AR (FHA|USDA|VA) 27 $8,825,000 $326,852 $0 0.00%
    Mountain Home, AR (FHA|USDA|VA) 23 $4,465,000 $194,130 $0 0.00%
    West Plains, MO (FHA|USDA|VA) 8 $1,190,000 $148,750 $0 0.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    Blytheville, AR (FHA|USDA|VA) 2 $100,000 $50,000 $0 0.00%
    Fnbc Bank's top markets include Batesville, Jonesboro, Mountain Home, West Plains, and Fayetteville among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 211 $37,445,000 $177,464 $0 0.00%

    For 2023, Fnbc Bank's most frequently originated type of loan was Conventional, with 211 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 134 $25,630,000 $191,269 $0 0.00%
    Refi 46 $9,690,000 $210,652 $0 0.00%
    Home Improvement 25 $1,875,000 $75,000 $0 0.00%
    Other 6 $250,000 $41,667 $0 0.00%

    For 2023, Fnbc Bank's most frequently cited loan purpose was Home Purchase, with 134 originations. The 2nd most popular reason was Refi, with 46 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 211 $37,445,000 $177,464 $0 0.00%

    For 2023, Fnbc Bank's most frequently cited loan duration was Other, with 211 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 103 $5,975,000 $58,010 $0 0.00%
    $100k-200k 68 $9,450,000 $138,971 $0 0.00%
    $200k-400k 21 $5,845,000 $278,333 $0 0.00%
    $400k-600k 10 $4,560,000 $456,000 $0 0.00%
    $600k-1MM 5 $3,465,000 $693,000 $0 0.00%
    $1MM+ 4 $8,150,000 $2,037,500 $0 0.00%

    2023 saw Fnbc Bank place emphasis on $100,000 or less loans with 103 originations, totaling $5,975,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 44 $4,120,000 $93,636 $0 0.00%
    $100k-150k 40 $5,210,000 $130,250 $0 0.00%
    $50k or less 34 $2,670,000 $78,529 $0 0.00%
    $75k-100k 19 $2,225,000 $117,105 $0 0.00%
    $150k-250k 15 $3,065,000 $204,333 $0 0.00%
    $250k+ 15 $5,765,000 $384,333 $0 0.00%

    Fnbc Bank lent most frequently to those with incomes in the $50k-75k range, with 44 originations. The second most popular income band? $100k-150k, with 40 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 211 $37,445,000 $177,464 $0 0.00%

    Fnbc Bank lent most frequently to those with DTI ratios of Exempt%, with 211 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 165 $22,595,000 $136,939 $0 0.00%
    Not applicable 42 $14,140,000 $336,667 $0 0.00%
    Not provided 3 $565,000 $188,333 $0 0.00%
    Asian 1 $145,000 $145,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.31%

    Fnbc Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.68%

    Fnbc Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 211 $37,445,000 $177,464

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    211 $37,445,000 $177,464