The FNB Community Bank
The FNB Community Bank received 106 applications in 2025 and made 93 mortgages, in 10 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $75,000. Of 103 decisions, 10 were denials — 9.7%.
| Legal Entity Identifier | 549300CW5TQ2ILVQPH09 |
|---|---|
| Applications received | 106 |
| Mortgages made | 93 |
| Denied | 10 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The FNB Community Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 40 | Not published | $75,000 | 9.1% |
| Refinancing | 37 | Not published | $105,000 | 7.5% |
| Other purposes | 16 | Not published | $50,000 | 15.8% |
Where The FNB Community Bank lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fayette County, IL | 47 | Not published | 9.6% |
| Bond County, IL | 24 | Not published | 11.1% |
| Marion County, IL | 6 | Under 10 loans | 25.0% |
| Montgomery County, IL | 6 | Under 10 loans | 0.0% |
| Clinton County, IL | 4 | Under 10 loans | 0.0% |
| Effingham County, IL | 2 | Under 10 loans | 0.0% |
| Jefferson County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Shelby County, IL | 1 | Under 10 loans | 0.0% |
| Marshall County, KY | 1 | Under 10 loans | 0.0% |
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When The FNB Community Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.