First National Bank Of Germantown Mortgage Rates, Fees & Info

Germantown, OH

LEI: 549300T42S5DPZ6KG172

Tax ID: 31-0294798

Latest/2023 | 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
  • Complaints
  • 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

    First National Bank Of Germantown is a smaller bank specializing in Refi and 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

    30

    Origination Dollar Volume (All Markets)

    $5,430,000

    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
    DAYTON-KETTERING, OH (FHA|USDA|VA) 24 $4,250,000 $177,083 $0 0.00%
    Outside of Metro Areas 6 $1,180,000 $196,667 $0 0.00%
    First National Bank Of Germantown's top markets include and Dayton among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 30 $5,430,000 $181,000 $0 0.00%

    For 2019, First National Bank Of Germantown's most frequently originated type of loan was Conventional, with 30 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 16 $2,940,000 $183,750 $0 0.00%
    Home Purchase 13 $2,465,000 $189,615 $0 0.00%
    Other 1 $25,000 $25,000 $0 0.00%

    For 2019, First National Bank Of Germantown's most frequently cited loan purpose was Refi, with 16 originations. The 2nd most popular reason was Home Purchase, with 13 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 30 $5,430,000 $181,000 $0 0.00%

    For 2019, First National Bank Of Germantown's most frequently cited loan duration was Other, with 30 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 12 $1,890,000 $157,500 $0 0.00%
    $100,000 or less 8 $430,000 $53,750 $0 0.00%
    $200k-400k 8 $2,130,000 $266,250 $0 0.00%
    $400k-600k 2 $980,000 $490,000 $0 0.00%

    2019 saw First National Bank Of Germantown place emphasis on $100k-200k loans with 12 originations, totaling $1,890,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 10 $1,700,000 $170,000 $0 0.00%
    $150k-250k 5 $1,755,000 $351,000 $0 0.00%
    $75k-100k 5 $945,000 $189,000 $0 0.00%
    $50k-75k 3 $205,000 $68,333 $0 0.00%
    $50k or less 3 $185,000 $61,667 $0 0.00%
    $250k+ 2 $340,000 $170,000 $0 0.00%

    First National Bank Of Germantown lent most frequently to those with incomes in the $100k-150k range, with 10 originations. The second most popular income band? $150k-250k, with 5 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 30 $5,430,000 $181,000 $0 0.00%

    First National Bank Of Germantown lent most frequently to those with DTI ratios of Exempt%, with 30 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 26 $4,680,000 $180,000 $0 0.00%
    Not applicable 2 $300,000 $150,000 $0 0.00%
    Japanese 1 $245,000 $245,000 $0 0.00%
    Not provided 1 $205,000 $205,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.10%

    First National Bank Of Germantown has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.67%

    First National Bank Of Germantown has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 30 $5,430,000 $181,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $300,000 $150,000
    Single Family (1-4 Units):Site-Built 28 $5,130,000 $183,214

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 1 16.7%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 3 50.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Closing on a mortgage 2 33.3%