FNB Community Bank mortgage approval rate & lending review
FNB Community Bank decided 406 mortgage applications and funded 314 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions FNB Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
FNB Community Bank at a glance
Approval is 3.4 points above the 77.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 64% | 16 / 25 | 100% | $205K | 16 |
| Home improvement loans | 75% | 76 / 101 | 100% | $45K | 76 |
| Refinance | 76% | 57 / 75 | 100% | $55K | 57 |
| Investment property purchase | 93% | 152 / 164 | 90% | $215K | 137 |
| Investment refinance | 69% | 24 / 35 | 100% | $135K | 24 |
FNB Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 81% | $135K | 406 | 314 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where FNB Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Investment property purchase | 94% | 145 | 124 |
| Oklahoma County, OK | Home improvement loans | 75% | 91 | 68 |
| Oklahoma County, OK | Refinance | 75% | 63 | 47 |
| Oklahoma County, OK | Investment refinance | 70% | 30 | 21 |
The county markets where FNB Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about FNB Community Bank
What is FNB Community Bank's mortgage approval rate?
FNB Community Bank approved 81.3% of the 406 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.4 points above the 77.9% national rate for the same mix of loan types.
How often do borrowers take the loan FNB Community Bank offers?
Borrowers accepted 95% of the loans FNB Community Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does FNB Community Bank make?
The typical investment property mortgage loan FNB Community Bank made was $215K; across all loan types its typical loan ran from $45K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does FNB Community Bank lend?
FNB Community Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Oklahoma.
Can I apply to FNB Community Bank directly?
Yes. FNB Community Bank is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show FNB Community Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how FNB Community Bank treats applications, then get a rate quote from the lender.