First National Community Bank Mortgage Rates, Fees & Info
Chatsworth, GALEI: 549300STIW51KDGL2B62
Tax ID: 58-1209948
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First National Community Bank is a smaller bank specializing in Home Purchase and Refi loans. First National Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Rome, Dalton, Atlanta, Cedartown, and Chattanooga among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Community Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
56Origination Dollar Volume (All Markets)
$18,130,000Top 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 |
|---|---|---|---|---|---|
| ROME, GA (FHA|USDA|VA) | 20 | $8,080,000 | $404,000 | $0 | 0.00% |
| DALTON, GA (FHA|USDA|VA) | 21 | $4,815,000 | $229,286 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $1,185,000 | $395,000 | $0 | 0.00% |
| Cedartown, GA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $0 | 0.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Summerville, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 56 | $18,130,000 | $323,750 | $0 | 0.00% |
For 2024, First National Community Bank's most frequently originated type of loan was Conventional, with 56 originations.
Loan Reason
For 2024, First National Community Bank's most frequently cited loan purpose was Home Purchase, with 33 originations. The 2nd most popular reason was Refi, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 56 | $18,130,000 | $323,750 | $0 | 0.00% |
For 2024, First National Community Bank's most frequently cited loan duration was Other, with 56 originations.
Loan Sizing
2024 saw First National Community Bank place emphasis on $100k-200k loans with 19 originations, totaling $2,765,000 in origination value.
Applicant Income
First National Community Bank lent most frequently to those with incomes in the $250k+ range, with 7 originations. The second most popular income band? $150k-250k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 56 | $18,130,000 | $323,750 | $0 | 0.00% |
First National Community Bank lent most frequently to those with DTI ratios of Exempt%, with 56 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.67%
First National Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination78.57%
First National Community Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 56 | $18,130,000 | $323,750 |