The First National Bank Of Oneida Mortgage Rates, Fees & Info
Oneida, TNLEI: 549300DK8GVTLGSA4H75
Tax ID: 62-0201400
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The First National Bank Of Oneida is a smaller bank specializing in Home Purchase loans. The First National Bank Of Oneida has a high proportion of conventional loans. Their top markets by origination volume include: Knoxville, Sevierville, Chicago, and Morristown among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)The First National Bank Of Oneida 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
124Origination Dollar Volume (All Markets)
$23,390,000Top 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 | 84 | $11,060,000 | $131,667 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 36 | $10,320,000 | $286,667 | $0 | 0.00% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 0.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 124 | $23,390,000 | $188,629 | $0 | 0.00% |
For 2023, The First National Bank Of Oneida's most frequently originated type of loan was Conventional, with 124 originations.
Loan Reason
For 2023, The First National Bank Of Oneida's most frequently cited loan purpose was Home Purchase, with 75 originations. The 2nd most popular reason was Refi, with 33 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 124 | $23,390,000 | $188,629 | $0 | 0.00% |
For 2023, The First National Bank Of Oneida's most frequently cited loan duration was Other, with 124 originations.
Loan Sizing
2023 saw The First National Bank Of Oneida place emphasis on $100,000 or less loans with 64 originations, totaling $3,700,000 in origination value.
Applicant Income
The First National Bank Of Oneida lent most frequently to those with incomes in the $100k-150k range, with 22 originations. The second most popular income band? $50k or less, with 22 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 124 | $23,390,000 | $188,629 | $0 | 0.00% |
The First National Bank Of Oneida lent most frequently to those with DTI ratios of Exempt%, with 124 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 115 | $19,255,000 | $167,435 | $0 | 0.00% |
| Not applicable | 9 | $4,135,000 | $459,444 | $0 | 0.00% |
Approval Rates
Total approvals of all applications92.90%
The First National Bank Of Oneida has an average approval rate.
Pick Rate
Approvals leading to origination84.68%
The First National Bank Of Oneida has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 124 | $23,390,000 | $188,629 |