Td Bank Mortgage Rates, Fees & Info
Wilmington, DELEI: 03D0JEWFDFUS0SEEKG89
Tax ID: 01-0137770
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Mortgage Data
Review & Overview
Td Bank is a large bank specializing in Home Purchase and Refi loans. Td Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Miami, Philadelphia, Boston, and Washington among others. We have data for 162 markets. (Some data included below & more in-depth data is available with an active subscription.)Td Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Td Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.48% | 5/28/23 |
| 30 Year Conventional Purchase | 6.02% | 5/28/23 |
| 30 Year Conventional Refi | 5.92% | 5/28/23 |
| 30 Year Cash-out Refi | 6.36% | 5/28/23 |
| 30 Year FHA Purchase | 6.69% | 5/28/23 |
| 30 Year FHA Refi | 6.63% | 5/28/23 |
| 30 Year VA Purchase | 5.75% | 5/28/23 |
| 30 Year VA Refi | 5.92% | 5/28/23 |
| 30 Year USDA Purchase | 6.22% | 5/28/23 |
| 15 Year Conventional Purchase | 5.83% | 5/28/23 |
| 15 Year Conventional Refi | 5.79% | 5/28/23 |
| 15 Year Cash-out Refi | 5.79% | 5/28/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Td Bank Mortgage Calculator
Your Estimates
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This is not an official calculator from Td Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
32,964Origination Dollar Volume (All Markets)
$11,718,260,000Awards
TD Bank - 2022
TD Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Td Bank's average 30 year fixed mortgage rate was
5.13%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.37%.
Relative Fees (Closing Costs)
Td Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,452.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 10,988 | $4,453,800,000 | $405,333 | $5,390 | 5.04% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2,661 | $937,685,000 | $352,381 | $4,486 | 5.33% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3,574 | $907,620,000 | $253,951 | $3,224 | 5.27% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2,150 | $834,240,000 | $388,019 | $3,171 | 4.97% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1,342 | $551,240,000 | $410,760 | $4,181 | 5.19% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 402 | $282,540,000 | $702,836 | $5,622 | 4.58% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 439 | $237,135,000 | $540,171 | $6,375 | 4.97% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 333 | $211,305,000 | $634,550 | $5,148 | 4.80% |
| Outside of Metro Areas | 620 | $171,560,000 | $276,710 | $3,959 | 5.09% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 310 | $171,000,000 | $551,613 | $4,857 | 4.97% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 485 | $164,275,000 | $338,711 | $5,179 | 5.45% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 253 | $145,235,000 | $574,051 | $2,908 | 5.40% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 496 | $138,140,000 | $278,508 | $3,883 | 5.34% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 554 | $129,190,000 | $233,195 | $2,259 | 5.01% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 189 | $99,725,000 | $527,646 | $4,463 | 4.82% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 217 | $94,265,000 | $434,401 | $6,689 | 5.12% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 269 | $83,505,000 | $310,428 | $3,893 | 5.40% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 163 | $83,275,000 | $510,890 | $7,098 | 4.84% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 416 | $79,620,000 | $191,394 | $2,642 | 5.37% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 385 | $77,915,000 | $202,377 | $1,838 | 5.39% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 228 | $68,000,000 | $298,246 | $2,927 | 5.12% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 272 | $67,600,000 | $248,529 | $3,285 | 5.44% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 327 | $66,435,000 | $203,165 | $2,857 | 5.37% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 317 | $65,875,000 | $207,808 | $3,036 | 5.40% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 254 | $61,660,000 | $242,756 | $2,492 | 5.46% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 114 | $58,560,000 | $513,684 | $5,149 | 4.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 228 | $57,610,000 | $252,675 | $4,258 | 5.39% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 143 | $57,565,000 | $402,552 | $4,890 | 4.94% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 224 | $57,030,000 | $254,598 | $3,527 | 5.41% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 244 | $53,910,000 | $220,943 | $2,838 | 5.31% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 230 | $53,770,000 | $233,783 | $3,362 | 5.35% |
| ASHEVILLE, NC (FHA|USDA|VA) | 128 | $53,060,000 | $414,531 | $4,661 | 4.80% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 133 | $51,835,000 | $389,737 | $4,787 | 4.99% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 315 | $51,625,000 | $163,889 | $2,492 | 5.34% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 235 | $51,245,000 | $218,064 | $3,318 | 5.47% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $47,905,000 | $47,905,000 | $0 | 1.46% |
| GAINESVILLE, FL (FHA|USDA|VA) | 116 | $47,900,000 | $412,931 | $5,117 | 4.68% |
| COLUMBIA, SC (FHA|USDA|VA) | 198 | $46,990,000 | $237,323 | $3,399 | 5.02% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 190 | $46,290,000 | $243,632 | $3,665 | 5.48% |
| Key West, FL (FHA|USDA|VA) | 32 | $38,700,000 | $1,209,375 | $10,994 | 4.68% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 160 | $38,550,000 | $240,938 | $3,594 | 5.29% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 57 | $37,345,000 | $655,175 | $4,263 | 4.68% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 112 | $32,200,000 | $287,500 | $4,205 | 5.21% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 71 | $22,375,000 | $315,141 | $3,492 | 4.59% |
| WILMINGTON, NC (FHA|USDA|VA) | 54 | $21,420,000 | $396,667 | $4,062 | 5.06% |
| Concord, NH (FHA|USDA|VA) | 152 | $21,170,000 | $139,276 | $952 | 5.69% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 98 | $20,800,000 | $212,245 | $3,796 | 5.00% |
| OCALA, FL (FHA|USDA|VA) | 75 | $19,035,000 | $253,800 | $3,878 | 5.01% |
| Barre, VT (FHA|USDA|VA) | 26 | $18,390,000 | $707,308 | $3,614 | 4.69% |
| RICHMOND, VA (FHA|USDA|VA) | 53 | $18,085,000 | $341,226 | $4,416 | 5.44% |
| KINGSTON, NY (FHA|USDA|VA) | 44 | $16,530,000 | $375,682 | $5,419 | 4.52% |
| Seneca, SC (FHA|USDA|VA) | 26 | $15,860,000 | $610,000 | $11,669 | 4.65% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 35 | $15,205,000 | $434,429 | $3,741 | 4.91% |
| Lebanon, NH-VT (FHA|USDA|VA) | 62 | $14,790,000 | $238,548 | $3,211 | 4.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 68 | $14,620,000 | $215,000 | $1,922 | 5.59% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 79 | $14,295,000 | $180,949 | $3,282 | 5.20% |
| GLENS FALLS, NY (FHA|USDA|VA) | 77 | $14,175,000 | $184,091 | $2,964 | 5.08% |
| Laconia, NH (FHA|USDA|VA) | 74 | $13,000,000 | $175,676 | $1,701 | 5.34% |
| Torrington, CT (FHA|USDA|VA) | 70 | $12,910,000 | $184,429 | $3,104 | 5.07% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 39 | $12,355,000 | $316,795 | $6,782 | 4.94% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 27 | $11,965,000 | $443,148 | $4,686 | 4.76% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 31 | $11,845,000 | $382,097 | $4,928 | 4.75% |
| BANGOR, ME (FHA|USDA|VA) | 89 | $11,835,000 | $132,978 | $1,044 | 5.44% |
| Keene, NH (FHA|USDA|VA) | 82 | $11,820,000 | $144,146 | $1,784 | 5.46% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 38 | $11,450,000 | $301,316 | $5,297 | 5.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 25 | $10,625,000 | $425,000 | $4,268 | 4.85% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 56 | $10,540,000 | $188,214 | $3,031 | 4.88% |
| PITTSFIELD, MA (FHA|USDA|VA) | 40 | $10,330,000 | $258,250 | $2,191 | 4.95% |
| Georgetown, SC (FHA|USDA|VA) | 28 | $10,170,000 | $363,214 | $3,917 | 4.96% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 12 | $9,600,000 | $800,000 | $9,667 | 4.21% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 13 | $9,295,000 | $715,000 | $4,144 | 4.64% |
| Plattsburgh, NY (FHA|USDA|VA) | 51 | $9,135,000 | $179,118 | $1,831 | 5.67% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 24 | $8,720,000 | $363,333 | $6,003 | 4.64% |
| Morehead City, NC (FHA|USDA|VA) | 11 | $8,475,000 | $770,455 | $5,963 | 4.41% |
| Marion, NC (FHA|USDA|VA) | 11 | $8,205,000 | $745,909 | $4,747 | 3.99% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 36 | $7,740,000 | $215,000 | $5,941 | 5.55% |
| Hudson, NY (FHA|USDA|VA) | 28 | $7,390,000 | $263,929 | $3,758 | 5.06% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 54 | $7,120,000 | $131,852 | $1,624 | 5.57% |
| SPARTANBURG, SC (FHA|USDA|VA) | 47 | $6,885,000 | $146,489 | $2,062 | 5.57% |
| Boone, NC (FHA|USDA|VA) | 11 | $6,815,000 | $619,545 | $6,358 | 4.08% |
| PANAMA CITY, FL (FHA|USDA|VA) | 9 | $6,475,000 | $719,444 | $7,761 | 4.24% |
| DOVER, DE (FHA|USDA|VA) | 37 | $6,025,000 | $162,838 | $1,850 | 5.67% |
| Bennington, VT (FHA|USDA|VA) | 24 | $5,950,000 | $247,917 | $4,969 | 4.92% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 13 | $5,525,000 | $425,000 | $5,159 | 5.21% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 22 | $5,470,000 | $248,636 | $3,264 | 4.99% |
| Cullowhee, NC (FHA|USDA|VA) | 7 | $5,345,000 | $763,571 | $12,412 | 3.68% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 10 | $5,300,000 | $530,000 | $7,717 | 4.62% |
| THE VILLAGES, FL (FHA|USDA|VA) | 20 | $5,230,000 | $261,500 | $3,714 | 4.21% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 13 | $5,225,000 | $401,923 | $6,870 | 4.97% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 27 | $5,045,000 | $186,852 | $2,931 | 5.24% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 46 | $5,040,000 | $109,565 | $1,057 | 5.51% |
| ROCHESTER, NY (FHA|USDA|VA) | 16 | $4,930,000 | $308,125 | $4,200 | 4.59% |
| Brevard, NC (FHA|USDA|VA) | 10 | $4,920,000 | $492,000 | $5,277 | 4.18% |
| SYRACUSE, NY (FHA|USDA|VA) | 14 | $4,870,000 | $347,857 | $5,528 | 4.78% |
| ROANOKE, VA (FHA|USDA|VA) | 9 | $4,865,000 | $540,556 | $9,081 | 4.13% |
| Newberry, SC (FHA|USDA|VA) | 21 | $4,785,000 | $227,857 | $3,744 | 4.98% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 15 | $4,735,000 | $315,667 | $6,097 | 4.83% |
| READING, PA (FHA|USDA|VA) | 23 | $4,665,000 | $202,826 | $3,758 | 5.07% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 14 | $4,660,000 | $332,857 | $5,524 | 5.22% |
| Palatka, FL (FHA|USDA|VA) | 18 | $4,240,000 | $235,556 | $4,689 | 4.72% |
| LANCASTER, PA (FHA|USDA|VA) | 16 | $4,220,000 | $263,750 | $4,725 | 5.76% |
| Rutland, VT (FHA|USDA|VA) | 23 | $4,215,000 | $183,261 | $3,187 | 5.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 13 | $4,205,000 | $323,462 | $4,194 | 4.93% |
| Vineyard Haven, MA (FHA|USDA|VA) | 4 | $4,180,000 | $1,045,000 | $5,863 | 3.40% |
| Forest City, NC (FHA|USDA|VA) | 17 | $4,035,000 | $237,353 | $3,448 | 5.27% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 5 | $3,625,000 | $725,000 | $5,694 | 5.77% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 16 | $3,410,000 | $213,125 | $3,688 | 5.27% |
| BINGHAMTON, NY (FHA|USDA|VA) | 10 | $2,700,000 | $270,000 | $4,307 | 4.45% |
| Greenwood, SC (FHA|USDA|VA) | 6 | $2,590,000 | $431,667 | $5,611 | 4.44% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 9 | $2,585,000 | $287,222 | $2,834 | 5.23% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 6 | $2,400,000 | $400,000 | $10,572 | 4.50% |
| Lake City, FL (FHA|USDA|VA) | 17 | $2,295,000 | $135,000 | $2,765 | 5.42% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 3 | $2,235,000 | $745,000 | $5,990 | 4.04% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 6 | $2,180,000 | $363,333 | $3,202 | 5.09% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 6 | $2,180,000 | $363,333 | $4,592 | 4.86% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 2 | $2,100,000 | $1,050,000 | $5,237 | 4.20% |
| Oneonta, NY (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $6,864 | 3.83% |
| LEBANON, PA (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $6,100 | 4.86% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $3,771 | 4.32% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $1,304 | 6.15% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 7 | $1,095,000 | $156,429 | $2,091 | 6.59% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $4,148 | 4.49% |
| GREENVILLE, NC (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $2,316 | 3.59% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $5,542 | 4.31% |
| FLORENCE, SC (FHA|USDA|VA) | 8 | $960,000 | $120,000 | $3,123 | 5.79% |
| ITHACA, NY (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $6,725 | 3.19% |
| Olean, NY (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $9,752 | 3.69% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $4,726 | 5.25% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $4,876 | 3.56% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $5,119 | 4.56% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,515 | 5.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $8,441 | 4.50% |
| UTICA-ROME, NY (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $3,345 | 5.56% |
| ELMIRA, NY (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,230 | 4.54% |
| Pottsville, PA (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $7,606 | 6.12% |
| Easton, MD (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 4.47% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,426 | 3.73% |
| ALTOONA, PA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,989 | 5.94% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,080 | 4.63% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,739 | 6.00% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,334 | 5.11% |
| Malone, NY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,488 | 5.10% |
| Auburn, NY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,454 | 5.13% |
| Wilson, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,585 | 6.35% |
| Berlin, NH (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $232 | 6.21% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $3,417 | 5.54% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $99 | 5.46% |
| NEW BERN, NC (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $50 | 4.50% |
| Henderson, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,367 | 4.50% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,880 | 4.43% |
| Washington, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,477 | 4.88% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,592 | 3.75% |
| Batavia, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,604 | 5.88% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,109 | 3.75% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,907 | 5.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,951 | 3.13% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,195 | 7.00% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.44% |
| Sanford, NC (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $2,874 | 5.41% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.94% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,476 | 5.75% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,236 | 5.13% |
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Product Mix
For 2022, Td Bank's most frequently originated type of loan was Conventional, with 16,522 originations. Their 2nd most popular type was HELOC, with 16,198 originations.
Loan Reason
For 2022, Td Bank's most frequently cited loan purpose was Home Improvement, with 12,054 originations. The 2nd most popular reason was Home Purchase, with 8,974 originations.
Loan Duration/Length
For 2022, Td Bank's most frequently cited loan duration was 30 Year, with 28,729 originations. The 2nd most popular length was 15 Year, with 2,029 originations.
Origination Fees/Closing Costs
Td Bank's average total fees were $5,452, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 10,393 originations.
Interest Rates
During 2022, Td Bank's average interest rate for loans was 5.13%, while their most frequently originated rate bucket for loans was 4-5%, with 8,907 originations.
Loan Sizing
2022 saw Td Bank place emphasis on $100k-200k loans with 8,419 originations, totaling $1,101,285,000 in origination value.
Applicant Income
Td Bank lent most frequently to those with incomes in the $150k-250k range, with 8,309 originations. The second most popular income band? $250k+, with 7,778 originations.
Applicant Debt to Income Ratio
Td Bank lent most frequently to those with DTI ratios of 20-30%, with 6,017 originations. The next most common DTI ratio? 30-36%, with 5,914 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications74.80%
Td Bank has a below average approval rate.
Pick Rate
Approvals leading to origination78.27%
Td Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 32,964 | $11,718,260,000 | $355,487 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 32,964 | $11,718,260,000 | $355,487 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |