Flint Community Bank Mortgage Rates, Fees & Info

Albany, GA

LEI: 549300KEFLY2A00BLQ60

Tax ID: 20-3894060

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

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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, Cordele, Panama City, Valdosta, and Atlanta among others. We have data for 13 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

158

Origination Dollar Volume (All Markets)

$38,660,000

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) 136 $27,480,000 $202,059 $0 0.00%
Outside of Metro Areas 7 $6,705,000 $957,857 $0 0.00%
Cordele, GA (FHA|USDA|VA) 3 $1,185,000 $395,000 $0 0.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $585,000 $585,000 $0 0.00%
VALDOSTA, GA (FHA|USDA|VA) 1 $495,000 $495,000 $0 0.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $490,000 $245,000 $0 0.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $370,000 $185,000 $0 0.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
Moultrie, GA (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
Thomasville, GA (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
Milledgeville, GA (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
Flint Community Bank's top markets include Albany, Cordele, Panama City, Valdosta, and Atlanta among others.

Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 158 $38,660,000 $244,684 $0 0.00%

    For 2022, Flint Community Bank's most frequently originated type of loan was Conventional, with 158 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 95 $22,515,000 $237,000 $0 0.00%
    Refi 60 $15,930,000 $265,500 $0 0.00%
    Home Improvement 2 $110,000 $55,000 $0 0.00%
    Other 1 $105,000 $105,000 $0 0.00%

    For 2022, Flint Community Bank's most frequently cited loan purpose was Home Purchase, with 95 originations. The 2nd most popular reason was Refi, with 60 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 158 $38,660,000 $244,684 $0 0.00%

    For 2022, Flint Community Bank's most frequently cited loan duration was Other, with 158 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 62 $3,780,000 $60,968 $0 0.00%
    $100k-200k 41 $5,675,000 $138,415 $0 0.00%
    $200k-400k 29 $7,955,000 $274,310 $0 0.00%
    $400k-600k 15 $7,105,000 $473,667 $0 0.00%
    $600k-1MM 6 $4,440,000 $740,000 $0 0.00%
    $1MM+ 5 $9,705,000 $1,941,000 $0 0.00%

    2022 saw Flint Community Bank place emphasis on $100,000 or less loans with 62 originations, totaling $3,780,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 26 $11,400,000 $438,462 $0 0.00%
    $100k-150k 14 $2,590,000 $185,000 $0 0.00%
    $150k-250k 13 $2,405,000 $185,000 $0 0.00%
    $75k-100k 6 $1,350,000 $225,000 $0 0.00%
    $50k-75k 5 $705,000 $141,000 $0 0.00%
    $50k or less 2 $110,000 $55,000 $0 0.00%

    Flint Community Bank lent most frequently to those with incomes in the $250k+ range, with 26 originations. The second most popular income band? $100k-150k, with 14 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 158 $38,660,000 $244,684 $0 0.00%

    Flint Community Bank lent most frequently to those with DTI ratios of Exempt%, with 158 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 91 $19,425,000 $213,462 $0 0.00%
    White 50 $16,450,000 $329,000 $0 0.00%
    Black 16 $2,520,000 $157,500 $0 0.00%
    Asian 1 $265,000 $265,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.71%

    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
    91.77%

    Flint Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 158 $38,660,000 $244,684

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    158 $38,660,000 $244,684