FNB Bank, Inc.: 2025 mortgage rates, costs & approvals
How FNB Bank, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: FNB Bank, Inc. · LEI 549300SDO5FP7F86HH46
In 2025, FNB Bank, Inc. originated 115 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 2 states — 1719th by volume among the 2,017 lenders profiled here.
It denied 18.4% of completed home-purchase applications (all lenders: 8.5%).
How FNB Bank, Inc. priced home-purchase loans
| Purchase loans, 2025 | FNB Bank, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where FNB Bank, Inc. lends
Counties where FNB Bank, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Trigg County, KY | 2 | 22 | 10.9% |
| Graves County, KY | 2 | 36 | 9.3% |
| Calloway County, KY | 8 | 16 | 4.7% |
| Marshall County, KY | 7 | 13 | 3.2% |
| Hickman County, KY | 17 | 1 | 3.0% |
| Fulton County, KY | 20 | 1 | 2.6% |
| Ballard County, KY | 15 | 2 | 2.5% |
| McCracken County, KY | 15 | 18 | 2.2% |
Check FNB Bank, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300SDO5FP7F86HH46.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from FNB Bank, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology