The First National Bank Of Pandora Mortgage Rates, Fees & Info
Pandora, OHLEI: 549300ROUYYKL22P3T17
Tax ID: 34-4324299
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The First National Bank Of Pandora is a smaller bank specializing in Home Purchase loans. The First National Bank Of Pandora has a high proportion of conventional loans. Their top markets by origination volume include: Findlay, Lima, Toledo, Salisbury, and Dayton among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)The First National Bank Of Pandora 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
125Origination Dollar Volume (All Markets)
$27,825,000Top 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 |
|---|---|---|---|---|---|
| Findlay, OH (FHA|USDA|VA) | 33 | $8,505,000 | $257,727 | $0 | 0.00% |
| Outside of Metro Areas | 30 | $6,540,000 | $218,000 | $0 | 0.00% |
| LIMA, OH (FHA|USDA|VA) | 37 | $6,425,000 | $173,649 | $0 | 0.00% |
| TOLEDO, OH (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 0.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 0.00% |
| Wapakoneta, OH (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 0.00% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Tiffin, OH (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 0.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 125 | $27,825,000 | $222,600 | $0 | 0.00% |
For 2023, The First National Bank Of Pandora's most frequently originated type of loan was Conventional, with 125 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 109 | $25,245,000 | $231,606 | $0 | 0.00% |
| Cash Out Refi | 13 | $2,085,000 | $160,385 | $0 | 0.00% |
| Refi | 3 | $495,000 | $165,000 | $0 | 0.00% |
For 2023, The First National Bank Of Pandora's most frequently cited loan purpose was Home Purchase, with 109 originations. The 2nd most popular reason was Cash Out Refi, with 13 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 125 | $27,825,000 | $222,600 | $0 | 0.00% |
For 2023, The First National Bank Of Pandora's most frequently cited loan duration was Other, with 125 originations.
Loan Sizing
2023 saw The First National Bank Of Pandora place emphasis on $100k-200k loans with 43 originations, totaling $6,145,000 in origination value.
Applicant Income
The First National Bank Of Pandora lent most frequently to those with incomes in the $50k-75k range, with 23 originations. The second most popular income band? $150k-250k, with 22 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 125 | $27,825,000 | $222,600 | $0 | 0.00% |
The First National Bank Of Pandora lent most frequently to those with DTI ratios of Exempt%, with 125 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.74%
The First National Bank Of Pandora has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination96.00%
The First National Bank Of Pandora 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 |
|---|---|---|---|
| Exempt | 125 | $27,825,000 | $222,600 |