Phenix-girard Bank Mortgage Rates, Fees & Info
Phenix City, ALLEI: 549300EW4BA2XQFITZ61
Tax ID: 63-0164030
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Phenix-girard Bank is a smaller bank specializing in Home Purchase and Refi loans. Phenix-girard Bank has a high proportion of conventional loans. Their top markets by origination volume include: Auburn, Columbus, and Panama City among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)Phenix-girard Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
49Origination Dollar Volume (All Markets)
$8,085,000Top 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 |
|---|---|---|---|---|---|
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 17 | $4,435,000 | $260,882 | $0 | 8.49% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 31 | $3,095,000 | $99,839 | $0 | 8.66% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 6.26% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 49 | $8,085,000 | $165,000 | $0 | 8.55% |
For 2024, Phenix-girard Bank's most frequently originated type of loan was Conventional, with 49 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 23 | $4,165,000 | $181,087 | $0 | 8.59% |
| Refi | 21 | $3,335,000 | $158,810 | $0 | 8.51% |
| Home Improvement | 5 | $585,000 | $117,000 | $0 | 8.57% |
For 2024, Phenix-girard Bank's most frequently cited loan purpose was Home Purchase, with 23 originations. The 2nd most popular reason was Refi, with 21 originations.
Loan Duration/Length
For 2024, Phenix-girard Bank's most frequently cited loan duration was 5 Year, with 33 originations. The 2nd most popular length was Other, with 13 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 38 | $5,900,000 | $155,263 |
| 7-8% | 10 | $1,630,000 | $163,000 |
| 6-7% | 1 | $555,000 | $555,000 |
During 2024, Phenix-girard Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 38 originations.
Loan Sizing
2024 saw Phenix-girard Bank place emphasis on $100,000 or less loans with 23 originations, totaling $1,265,000 in origination value.
Applicant Income
Phenix-girard Bank lent most frequently to those with incomes in the $50k-75k range, with 9 originations. The second most popular income band? $100k-150k, with 7 originations.
Applicant Debt to Income Ratio
Phenix-girard Bank lent most frequently to those with DTI ratios of 38%, with 3 originations. The next most common DTI ratio? <20%, with 3 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.04%
Phenix-girard Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination97.96%
Phenix-girard Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 49 | $8,085,000 | $165,000 |