Fnb Community Bank Mortgage Rates, Fees & Info

Midwest City, OK

LEI: 549300YPUST7CSVL4680

Tax ID: 73-0127305

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Mortgage Data

Review & Overview

Fnb Community Bank is a smaller bank specializing in Home Purchase and Refi loans. Fnb Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Shawnee, and Elk City among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

Fnb Community 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.

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Originations

128

Origination Dollar Volume (All Markets)

$13,790,000

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
OKLAHOMA CITY, OK (FHA|USDA|VA) 124 $13,480,000 $108,710 $0 0.00%
Shawnee, OK (FHA|USDA|VA) 3 $235,000 $78,333 $0 0.00%
Elk City, OK (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
Fnb Community Bank's top markets include Oklahoma City, Shawnee, and Elk City among others.

Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 128 $13,790,000 $107,734 $0 0.00%

    For 2023, Fnb Community Bank's most frequently originated type of loan was Conventional, with 128 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 44 $8,090,000 $183,864 $0 0.00%
    Home Improvement 29 $1,295,000 $44,655 $0 0.00%
    Refi 29 $2,815,000 $97,069 $0 0.00%
    Other 26 $1,590,000 $61,154 $0 0.00%

    For 2023, Fnb Community Bank's most frequently cited loan purpose was Home Purchase, with 44 originations. The 2nd most popular reason was Home Improvement, with 29 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 128 $13,790,000 $107,734 $0 0.00%

    For 2023, Fnb Community Bank's most frequently cited loan duration was Other, with 128 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 80 $4,010,000 $50,125 $0 0.00%
    $100k-200k 33 $4,675,000 $141,667 $0 0.00%
    $200k-400k 10 $2,650,000 $265,000 $0 0.00%
    $400k-600k 5 $2,455,000 $491,000 $0 0.00%

    2023 saw Fnb Community Bank place emphasis on $100,000 or less loans with 80 originations, totaling $4,010,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 20 $1,050,000 $52,500 $0 0.00%
    $150k-250k 15 $1,285,000 $85,667 $0 0.00%
    $75k-100k 15 $845,000 $56,333 $0 0.00%
    $50k-75k 13 $705,000 $54,231 $0 0.00%
    $50k or less 8 $300,000 $37,500 $0 0.00%
    $250k+ 5 $635,000 $127,000 $0 0.00%

    Fnb Community Bank lent most frequently to those with incomes in the $100k-150k range, with 20 originations. The second most popular income band? $150k-250k, with 15 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 128 $13,790,000 $107,734 $0 0.00%

    Fnb Community Bank lent most frequently to those with DTI ratios of Exempt%, with 128 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 51 $8,835,000 $173,235 $0 0.00%
    White 72 $4,580,000 $63,611 $0 0.00%
    Black 3 $185,000 $61,667 $0 0.00%
    Asian 1 $145,000 $145,000 $0 0.00%
    American Indian 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    75.00%

    Fnb Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    82.81%

    Fnb Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 128 $13,790,000 $107,734

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    128 $13,790,000 $107,734