PlainLender

FNB BANK

MASSENA, IA

FNB BANK processed 62 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 37 loans with a 14.5% denial rate. Home Purchase was the primary loan purpose. Based in MASSENA, IA. The approval rate of 59.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. FNB BANK processed 62 HMDA-reported mortgage applications in 2024, originating 37 loans and denying 9 for a denial rate of 14.5%. The average loan amount was $137,903. The lender reports under LEI 254900XW0LQQA1I2P960 from MASSENA, IA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. FNB BANK's 59.7% origination rate tells you how often an application turned into funded money; the 14.5% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (62 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

62
Applications
37
Originated
14.5%
Denial Rate
$137,903
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 62 37 9 $137,903

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for FNB BANK (LEI: 254900XW0LQQA1I2P960) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 44 22 $144,773
Refinancing 15 14 $132,333
Home Improvement 3 1 $65,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 62 59.7% 14.5%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 60 61.7% 11.7%
Hispanic or Latino 1 0.0% 100.0%
Joint 1 0.0% 100.0%

Nearby Lenders in IA

Other HMDA-reporting lenders in IA with similar activity. Compare any two side-by-side.

GREENSTATE CREDIT UNION

NORTH LIBERTY, IA

18,672 apps 12,784 originated 11.1% denied

VERIDIAN CREDIT UNION

WATERLOO, IA

11,053 apps 7,554 originated 12.1% denied

IOWA BANKERS MORTGAGE CORPORATION

JOHNSTON, IA

5,751 apps 2,402 originated 7.6% denied

DUPACO COMMUNITY CREDIT UNION

DUBUQUE, IA

3,587 apps 2,580 originated 19.3% denied

HILLS BANK AND TRUST COMPANY

HILLS, IA

2,597 apps 2,128 originated 7.0% denied
Compare FNB BANK vs GREENSTATE CREDIT UNION →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did FNB BANK process?
FNB BANK processed 62 mortgage applications in the 2023 HMDA reporting year. Of these, 37 were originated (approved and funded), and 9 were denied.
What is FNB BANK's mortgage approval rate?
FNB BANK has an approval (origination) rate of 59.7%, meaning 59.7% of all applications resulted in a funded mortgage. The denial rate is 14.5%.
What is the average loan amount at FNB BANK?
The average mortgage loan amount at FNB BANK is $137,903.
What types of mortgage loans does FNB BANK offer?
FNB BANK processes Conventional loans. The most common type is Conventional with 62 applications and an average loan amount of $137,903.
What loan purposes does FNB BANK serve?
FNB BANK serves the following loan purposes: Home Purchase (44 applications), Refinancing (15 applications), Home Improvement (3 applications). Home Purchase is the most common purpose.
Where is FNB BANK located?
FNB BANK is headquartered in MASSENA, IA. The lender is identified by LEI 254900XW0LQQA1I2P960 in HMDA data.
How does FNB BANK compare in lending across racial demographics?
FNB BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 59.7% and denial rate of 14.5%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.