FNB Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
33rd14.3% deniedProcesswithdrawn + incomplete share, weight 15%
24th18.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 266 | 169 | 13.9% | 17.5% | — | $27M |
| 2024 | 244 | 149 | 16.8% | 21.4% | — | $27M |
| 2025 | 291 | 203 | 11.7% | 14.3% | — | $42M |
What FNB Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 14 manufactured homes, 71 investment properties.
Who gets approved at FNB Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 49 | 27 | 29.0% |
| $50k – $100k | 103 | 66 | 16.5% |
| $100k – $150k | 51 | 36 | 15.9% |
| $150k – $250k | 30 | 23 | 4.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 15 | 6.3% |
| 25–34 | 72 | 45 | 15.1% |
| 35–44 | 31 | 20 | 25.9% |
| 45–54 | 44 | 31 | 16.2% |
| 55–64 | 42 | 25 | 25.7% |
| 65–74 | 25 | 20 | 4.8% |
Where FNB Bank lends
4 states and 23 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
FNB Bank denied 14.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 33rd percentile of small mortgage lenders.
In 2025, 71% of its applications were for home purchases, 18% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 93% conventional, 4% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.