Fnb Bank Mortgage Rates, Fees & Info

Mayfield, KY

LEI: 549300SDO5FP7F86HH46

Tax ID: 61-0273337

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

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Fnb Bank is a smaller bank specializing in Home Purchase loans. Fnb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Paducah, Clarksville, Mayfield, Murray, and Nashville among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Fnb Bank has an average approval rate when compared to the average across all lenders. They have a below 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.

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    Originations

    149

    Origination Dollar Volume (All Markets)

    $26,625,000

    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
    Paducah, KY-IL (FHA|USDA|VA) 31 $8,065,000 $260,161 $0 0.00%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 43 $5,695,000 $132,442 $0 0.00%
    Mayfield, KY (FHA|USDA|VA) 34 $4,820,000 $141,765 $0 0.00%
    Outside of Metro Areas 20 $4,270,000 $213,500 $0 0.00%
    Murray, KY (FHA|USDA|VA) 19 $3,375,000 $177,632 $0 0.00%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $285,000 $285,000 $0 0.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
    Fnb Bank's top markets include Paducah, Clarksville, Mayfield, Murray, and Nashville among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 149 $26,625,000 $178,691 $0 0.00%

    For 2024, Fnb Bank's most frequently originated type of loan was Conventional, with 149 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 85 $20,375,000 $239,706 $0 0.00%
    Refi 29 $3,865,000 $133,276 $0 0.00%
    Home Improvement 20 $1,320,000 $66,000 $0 0.00%
    Other 15 $1,065,000 $71,000 $0 0.00%

    For 2024, Fnb Bank's most frequently cited loan purpose was Home Purchase, with 85 originations. The 2nd most popular reason was Refi, with 29 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 149 $26,625,000 $178,691 $0 0.00%

    For 2024, Fnb Bank's most frequently cited loan duration was Other, with 149 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 63 $3,725,000 $59,127 $0 0.00%
    $100k-200k 46 $6,340,000 $137,826 $0 0.00%
    $200k-400k 24 $6,340,000 $264,167 $0 0.00%
    $400k-600k 10 $4,810,000 $481,000 $0 0.00%
    $600k-1MM 4 $3,320,000 $830,000 $0 0.00%
    $1MM+ 2 $2,090,000 $1,045,000 $0 0.00%

    2024 saw Fnb Bank place emphasis on $100,000 or less loans with 63 originations, totaling $3,725,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 28 $4,330,000 $154,643 $0 0.00%
    $150k-250k 22 $4,950,000 $225,000 $0 0.00%
    $50k-75k 21 $2,015,000 $95,952 $0 0.00%
    $75k-100k 19 $1,995,000 $105,000 $0 0.00%
    $50k or less 16 $1,380,000 $86,250 $0 0.00%
    $250k+ 14 $4,560,000 $325,714 $0 0.00%

    Fnb Bank lent most frequently to those with incomes in the $100k-150k range, with 28 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% 149 $26,625,000 $178,691 $0 0.00%

    Fnb Bank lent most frequently to those with DTI ratios of Exempt%, with 149 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 120 $18,720,000 $156,000 $0 0.00%
    Not applicable 23 $6,835,000 $297,174 $0 0.00%
    Black 3 $665,000 $221,667 $0 0.00%
    American Indian 3 $405,000 $135,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    83.20%

    Fnb Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    67.79%

    Fnb Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 149 $26,625,000 $178,691

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    149 $26,625,000 $178,691