First National Bank Of Germantown Mortgage Rates, Fees & Info
Germantown, OHLEI: 549300T42S5DPZ6KG172
Tax ID: 31-0294798
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Mortgage Data
Review & Overview
First National Bank Of Germantown is a smaller bank specializing in Home Purchase loans. First National Bank Of Germantown has a high proportion of conventional loans. Their top (well, only) market is Dayton.First National Bank Of Germantown 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.
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Originations
28Origination Dollar Volume (All Markets)
$3,760,000Top 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 |
|---|---|---|---|---|---|
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 20 | $3,060,000 | $153,000 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $700,000 | $87,500 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 28 | $3,760,000 | $134,286 | $0 | 0.00% |
For 2023, First National Bank Of Germantown's most frequently originated type of loan was Conventional, with 28 originations.
Loan Reason
For 2023, First National Bank Of Germantown's most frequently cited loan purpose was Home Purchase, with 13 originations. The 2nd most popular reason was Home Improvement, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 28 | $3,760,000 | $134,286 | $0 | 0.00% |
For 2023, First National Bank Of Germantown's most frequently cited loan duration was Other, with 28 originations.
Loan Sizing
2023 saw First National Bank Of Germantown place emphasis on $100k-200k loans with 14 originations, totaling $1,890,000 in origination value.
Applicant Income
First National Bank Of Germantown lent most frequently to those with incomes in the $50k-75k range, with 7 originations. The second most popular income band? $100k-150k, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 28 | $3,760,000 | $134,286 | $0 | 0.00% |
First National Bank Of Germantown lent most frequently to those with DTI ratios of Exempt%, with 28 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.49%
First National Bank Of Germantown has an average approval rate.
Pick Rate
Approvals leading to origination85.71%
First National Bank Of Germantown has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 28 | $3,760,000 | $134,286 |