Flint Community Bank Mortgage Rates, Fees & Info

Albany, GA

LEI: 549300KEFLY2A00BLQ60

Tax ID: 20-3894060

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Flint Community Bank is a smaller bank specializing in Home Purchase and Refi loans. Flint Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Albany, Sevierville, Cordele, Atlanta, and Athens among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)

Flint Community 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.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

Originations

103

Origination Dollar Volume (All Markets)

$22,835,000

Top 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
ALBANY, GA (FHA\|USDA\|VA)	87	$15,395,000	$176,954	$0	0.00%
Sevierville, TN (FHA\|USDA\|VA)	2	$3,010,000	$1,505,000	$0	0.00%
Outside of Metro Areas	5	$1,455,000	$291,000	$0	0.00%
Cordele, GA (FHA\|USDA\|VA)	2	$890,000	$445,000	$0	0.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$805,000	$805,000	$0	0.00%
ATHENS-CLARKE COUNTY, GA (FHA\|USDA\|VA)	3	$655,000	$218,333	$0	0.00%
PANAMA CITY, FL (FHA\|USDA\|VA)	2	$370,000	$185,000	$0	0.00%
Americus, GA (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	0.00%

Flint Community Bank's top markets include Albany, Sevierville, Cordele, Atlanta, and Athens among others.

Their top states include:

Georgia (FHA|USDA|VA)

Tennessee (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	103	$22,835,000	$221,699	$0	0.00%

For 2024, Flint Community Bank's most frequently originated type of loan was Conventional, with 103 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	60	$11,680,000	$194,667	$0	0.00%
Refi	38	$10,680,000	$281,053	$0	0.00%
Home Improvement	4	$430,000	$107,500	$0	0.00%
Cash Out Refi	1	$45,000	$45,000	$0	0.00%

For 2024, Flint Community Bank's most frequently cited loan purpose was Home Purchase, with 60 originations. The 2nd most popular reason was Refi, with 38 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	103	$22,835,000	$221,699	$0	0.00%

For 2024, Flint Community Bank's most frequently cited loan duration was Other, with 103 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	39	$6,175,000	$158,333	$0	0.00%
$100,000 or less	34	$1,980,000	$58,235	$0	0.00%
$200k-400k	18	$4,920,000	$273,333	$0	0.00%
$400k-600k	5	$2,405,000	$481,000	$0	0.00%
$600k-1MM	4	$3,040,000	$760,000	$0	0.00%
$1MM+	3	$4,315,000	$1,438,333	$0	0.00%

2024 saw Flint Community Bank place emphasis on $100k-200k loans with 39 originations, totaling $6,175,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$250k+	13	$3,605,000	$277,308	$0	0.00%
$150k-250k	5	$955,000	$191,000	$0	0.00%
$50k or less	5	$785,000	$157,000	$0	0.00%
$50k-75k	4	$560,000	$140,000	$0	0.00%
$75k-100k	3	$425,000	$141,667	$0	0.00%
$100k-150k	2	$610,000	$305,000	$0	0.00%

Flint Community Bank lent most frequently to those with incomes in the $250k+ range, with 13 originations. The second most popular income band? $150k-250k, with 5 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	103	$22,835,000	$221,699	$0	0.00%

Flint Community Bank lent most frequently to those with DTI ratios of Exempt%, with 103 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
Not applicable	69	$15,455,000	$223,986	$0	0.00%
White	24	$5,790,000	$241,250	$0	0.00%
Black	10	$1,590,000	$159,000	$0	0.00%

Approval Rates

Total approvals of all applications
100.00%

Flint Community 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 origination
92.23%

Flint Community Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	103	$22,835,000	$221,699

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	103	$22,835,000	$221,699