Flint Community Bank Mortgage Rates, Fees & Info
Albany, GALEI: 549300KEFLY2A00BLQ60
Tax ID: 20-3894060
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Mortgage 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, Panama City, Brunswick, Tifton, and Cordele among others. We have data for 10 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.
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Originations
100Origination Dollar Volume (All Markets)
$20,000,000Top 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 |
|---|---|---|---|---|---|
| ALBANY, GA (FHA|USDA|VA) | 82 | $14,830,000 | $180,854 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $0 | 0.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $945,000 | $189,000 | $0 | 0.00% |
| Tifton, GA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 0.00% |
| Cordele, GA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 0.00% |
| Americus, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 0.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| SAVANNAH, GA (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 | 100 | $20,000,000 | $200,000 | $0 | 0.00% |
For 2023, Flint Community Bank's most frequently originated type of loan was Conventional, with 100 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 67 | $11,975,000 | $178,731 | $0 | 0.00% |
| Refi | 31 | $7,915,000 | $255,323 | $0 | 0.00% |
| Other | 2 | $110,000 | $55,000 | $0 | 0.00% |
For 2023, Flint Community Bank's most frequently cited loan purpose was Home Purchase, with 67 originations. The 2nd most popular reason was Refi, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 100 | $20,000,000 | $200,000 | $0 | 0.00% |
For 2023, Flint Community Bank's most frequently cited loan duration was Other, with 100 originations.
Loan Sizing
2023 saw Flint Community Bank place emphasis on $100k-200k loans with 39 originations, totaling $5,725,000 in origination value.
Applicant Income
Flint Community Bank lent most frequently to those with incomes in the $250k+ range, with 12 originations. The second most popular income band? $75k-100k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 100 | $20,000,000 | $200,000 | $0 | 0.00% |
Flint Community Bank lent most frequently to those with DTI ratios of Exempt%, with 100 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.13%
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 origination95.00%
Flint Community Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 100 | $20,000,000 | $200,000 |