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 and Refi loans. The First National Bank Of Oneida has a high proportion of conventional loans. Their top markets by origination volume include: Knoxville, London, North Port, and Sevierville 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 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
168Origination Dollar Volume (All Markets)
$27,560,000Top 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 |
|---|---|---|---|---|---|
| KNOXVILLE, TN (FHA|USDA|VA) | 61 | $15,015,000 | $246,148 | $0 | 0.00% |
| Outside of Metro Areas | 104 | $11,950,000 | $114,904 | $0 | 0.00% |
| London, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 168 | $27,560,000 | $164,048 | $0 | 0.00% |
For 2022, The First National Bank Of Oneida's most frequently originated type of loan was Conventional, with 168 originations.
Loan Reason
For 2022, The First National Bank Of Oneida's most frequently cited loan purpose was Home Purchase, with 94 originations. The 2nd most popular reason was Refi, with 49 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 168 | $27,560,000 | $164,048 | $0 | 0.00% |
For 2022, The First National Bank Of Oneida's most frequently cited loan duration was Other, with 168 originations.
Loan Sizing
2022 saw The First National Bank Of Oneida place emphasis on $100,000 or less loans with 86 originations, totaling $4,330,000 in origination value.
Applicant Income
The First National Bank Of Oneida lent most frequently to those with incomes in the $100k-150k range, with 33 originations. The second most popular income band? $50k or less, with 32 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 168 | $27,560,000 | $164,048 | $0 | 0.00% |
The First National Bank Of Oneida lent most frequently to those with DTI ratios of Exempt%, with 168 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.64%
The First National Bank Of Oneida has an average approval rate.
Pick Rate
Approvals leading to origination83.93%
The First National Bank Of Oneida has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 168 | $27,560,000 | $164,048 |