The Fnb Community Bank Mortgage Rates, Fees & Info
Vandalia, ILLEI: 549300CW5TQ2ILVQPH09
Tax ID: 37-0562445
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The Fnb Community Bank is a smaller bank specializing in Home Purchase and Refi loans. The Fnb Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Effingham, Centralia, Denver, and Charleston among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)The Fnb Community Bank 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
103Origination Dollar Volume (All Markets)
$14,995,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 70 | $9,650,000 | $137,857 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 18 | $3,490,000 | $193,889 | $0 | 0.00% |
| Effingham, IL (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $0 | 0.00% |
| Centralia, IL (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 4 | $210,000 | $52,500 | $0 | 0.00% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Taylorville, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 91 | $13,905,000 | $152,802 | $0 | 0.00% |
| USDA | 12 | $1,090,000 | $90,833 | $0 | 0.00% |
For 2023, The Fnb Community Bank's most frequently originated type of loan was Conventional, with 91 originations. Their 2nd most popular type was USDA, with 12 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 58 | $6,380,000 | $110,000 | $0 | 0.00% |
| Refi | 37 | $7,615,000 | $205,811 | $0 | 0.00% |
| Other | 8 | $1,000,000 | $125,000 | $0 | 0.00% |
For 2023, The Fnb Community Bank's most frequently cited loan purpose was Home Purchase, with 58 originations. The 2nd most popular reason was Refi, with 37 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 103 | $14,995,000 | $145,583 | $0 | 0.00% |
For 2023, The Fnb Community Bank's most frequently cited loan duration was Other, with 103 originations.
Loan Sizing
2023 saw The Fnb Community Bank place emphasis on $100,000 or less loans with 47 originations, totaling $2,725,000 in origination value.
Applicant Income
The Fnb Community Bank lent most frequently to those with incomes in the $100k-150k range, with 28 originations. The second most popular income band? $50k-75k, with 21 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 103 | $14,995,000 | $145,583 | $0 | 0.00% |
The Fnb Community Bank lent most frequently to those with DTI ratios of Exempt%, with 103 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.69%
The Fnb Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination89.32%
The Fnb Community Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 103 | $14,995,000 | $145,583 |