FNB Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
16th22.4% deniedProcesswithdrawn + incomplete share, weight 15%
59th9.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 200 | 128 | 25.0% | 28.1% | — | $14M |
| 2024 | 203 | 132 | 21.7% | 23.2% | — | $18M |
| 2025 | 198 | 135 | 20.2% | 22.4% | — | $21M |
What FNB Community 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, 8 manufactured homes, 80 investment properties.
Who gets approved at FNB Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 37 | 15 | 50.0% |
| $50k – $100k | 37 | 26 | 18.2% |
| $100k – $150k | 23 | 15 | 25.0% |
| $150k – $250k | 20 | 13 | 27.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 24 | 16 | 30.4% |
| 55–64 | 28 | 18 | 24.0% |
| 65–74 | 39 | 25 | 28.6% |
Where FNB Community Bank lends
1 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 198 | 135 | 20.2% | — | #127 |
Frequently asked questions
FNB Community Bank denied 22.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 16th percentile of small mortgage lenders.
In 2025, 37% of its applications were for home purchases, 21% for refinancing (including cash-out), and 41% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.