Phenix-girard Bank Mortgage Rates, Fees & Info
Phenix City, ALLEI: 549300EW4BA2XQFITZ61
Tax ID: 63-0164030
Latest/2023 | 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: Columbus, Auburn, Tuscaloosa, and Alexander City among others. We have data for 4 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.79% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Phenix-girard Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
60Origination Dollar Volume (All Markets)
$8,920,000Top 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 |
|---|---|---|---|---|---|
| COLUMBUS, GA-AL (FHA|USDA|VA) | 41 | $4,835,000 | $117,927 | $900 | 5.94% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 17 | $3,855,000 | $226,765 | $0 | 5.90% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $350 | 5.45% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 57 | $8,625,000 | $151,316 | $763 | 5.92% |
| HELOC | 3 | $295,000 | $98,333 | n/a | 5.92% |
For 2018, Phenix-girard Bank's most frequently originated type of loan was Conventional, with 57 originations. Their 2nd most popular type was HELOC, with 3 originations.
Loan Reason
For 2018, Phenix-girard Bank's most frequently cited loan purpose was Home Purchase, with 33 originations. The 2nd most popular reason was Refi, with 22 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 5 Year | 32 | $5,860,000 | $183,125 | $1,150 | 5.90% |
| Other | 24 | $2,210,000 | $92,083 | $375 | 5.96% |
| 1 Year | 4 | $850,000 | $212,500 | $0 | 5.81% |
For 2018, Phenix-girard Bank's most frequently cited loan duration was 5 Year, with 32 originations. The 2nd most popular length was Other, with 24 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 44 | $6,590,000 | $149,773 |
| 6-7% | 15 | $735,000 | $49,000 |
| 4-5% | 1 | $1,595,000 | $1,595,000 |
During 2018, Phenix-girard Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 44 originations.
Loan Sizing
2018 saw Phenix-girard Bank place emphasis on $100,000 or less loans with 39 originations, totaling $2,075,000 in origination value.
Applicant Income
Phenix-girard Bank lent most frequently to those with incomes in the $100k-150k range, with 9 originations. The second most popular income band? $50k-75k, with 7 originations.
Applicant Debt to Income Ratio
Phenix-girard Bank lent most frequently to those with DTI ratios of 20-30%, with 7 originations. The next most common DTI ratio? 30-36%, with 5 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.36%
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 originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 60 | $8,920,000 | $148,667 |