FNBC 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
49th5.0% deniedProcesswithdrawn + incomplete share, weight 15%
35th8.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 254 | 211 | 6.7% | 7.4% | — | $37M |
| 2024 | 266 | 204 | 8.3% | 9.7% | — | $34M |
| 2025 | 260 | 224 | 4.6% | 5.0% | — | $57M |
What FNBC 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, 19 manufactured homes, 143 investment properties.
Who gets approved at FNBC Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 46 | 38 | 9.3% |
| $50k – $100k | 46 | 37 | 7.5% |
| $100k – $150k | 44 | 40 | 0.0% |
| $150k – $250k | 32 | 28 | 3.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 36 | 30 | 0.0% |
| 45–54 | 50 | 41 | 6.7% |
| 55–64 | 42 | 37 | 9.8% |
Where FNBC Bank lends
4 states and 26 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
FNBC Bank denied 5.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of investment-property lenders.
In 2025, 56% of its applications were for home purchases, 32% for refinancing (including cash-out), and 12% 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.