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, Centralia, Nashville, Effingham, and Mount Vernon among others. We have data for 7 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
138Origination Dollar Volume (All Markets)
$15,720,000Top 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 | 93 | $9,885,000 | $106,290 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 26 | $2,820,000 | $108,462 | $0 | 0.00% |
| Centralia, IL (FHA|USDA|VA) | 12 | $1,090,000 | $90,833 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $0 | 0.00% |
| Effingham, IL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $0 | 0.00% |
| Mount Vernon, IL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 0.00% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 129 | $14,615,000 | $113,295 | $0 | 0.00% |
| USDA | 9 | $1,105,000 | $122,778 | $0 | 0.00% |
For 2022, The Fnb Community Bank's most frequently originated type of loan was Conventional, with 129 originations. Their 2nd most popular type was USDA, with 9 originations.
Loan Reason
For 2022, The Fnb Community Bank's most frequently cited loan purpose was Home Purchase, with 67 originations. The 2nd most popular reason was Refi, with 57 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 138 | $15,720,000 | $113,913 | $0 | 0.00% |
For 2022, The Fnb Community Bank's most frequently cited loan duration was Other, with 138 originations.
Loan Sizing
2022 saw The Fnb Community Bank place emphasis on $100,000 or less loans with 79 originations, totaling $4,165,000 in origination value.
Applicant Income
The Fnb Community Bank lent most frequently to those with incomes in the $50k-75k range, with 33 originations. The second most popular income band? $50k or less, with 33 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 138 | $15,720,000 | $113,913 | $0 | 0.00% |
The Fnb Community Bank lent most frequently to those with DTI ratios of Exempt%, with 138 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.13%
The Fnb Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination81.16%
The Fnb Community Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 138 | $15,720,000 | $113,913 |