First National Bank Of Dryden Mortgage Rates, Fees & Info

Dryden, NY

LEI: 2549005SKP81W00YW119

Tax ID: 15-0293643

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    First National Bank Of Dryden is a smaller bank specializing in Refi and Home Purchase loans. First National Bank Of Dryden has a high proportion of conventional loans. Their top markets by origination volume include: Ithaca, Syracuse, and Binghamton among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First National Bank Of Dryden has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

    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.

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    Originations

    43

    Origination Dollar Volume (All Markets)

    $5,085,000

    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
    Outside of Metro Areas 19 $2,475,000 $130,263 $0 0.00%
    ITHACA, NY (FHA|USDA|VA) 17 $1,855,000 $109,118 $0 0.00%
    SYRACUSE, NY (FHA|USDA|VA) 4 $410,000 $102,500 $0 0.00%
    BINGHAMTON, NY (FHA|USDA|VA) 3 $345,000 $115,000 $0 0.00%
    First National Bank Of Dryden's top markets include Ithaca, Syracuse, and Binghamton among others.

    Their top states include:
  • New York (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 43 $5,085,000 $118,256 $0 0.00%

    For 2018, First National Bank Of Dryden's most frequently originated type of loan was Conventional, with 43 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 23 $2,725,000 $118,478 $0 0.00%
    Home Purchase 20 $2,360,000 $118,000 $0 0.00%

    For 2018, First National Bank Of Dryden's most frequently cited loan purpose was Refi, with 23 originations. The 2nd most popular reason was Home Purchase, with 20 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 43 $5,085,000 $118,256 $0 0.00%

    For 2018, First National Bank Of Dryden's most frequently cited loan duration was Other, with 43 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 22 $1,330,000 $60,455 $0 0.00%
    $100k-200k 16 $2,340,000 $146,250 $0 0.00%
    $200k-400k 4 $1,000,000 $250,000 $0 0.00%
    $400k-600k 1 $415,000 $415,000 $0 0.00%

    2018 saw First National Bank Of Dryden place emphasis on $100,000 or less loans with 22 originations, totaling $1,330,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 14 $1,870,000 $133,571 $0 0.00%
    $50k or less 7 $285,000 $40,714 $0 0.00%
    $150k-250k 5 $1,225,000 $245,000 $0 0.00%
    $50k-75k 5 $425,000 $85,000 $0 0.00%
    $250k+ 3 $285,000 $95,000 $0 0.00%
    $75k-100k 3 $245,000 $81,667 $0 0.00%

    First National Bank Of Dryden lent most frequently to those with incomes in the $100k-150k range, with 14 originations. The second most popular income band? $50k or less, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 43 $5,085,000 $118,256 $0 0.00%

    First National Bank Of Dryden lent most frequently to those with DTI ratios of Exempt%, with 43 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 39 $4,455,000 $114,231 $0 0.00%
    Not applicable 4 $630,000 $157,500 $0 0.00%

    Approval Rates

    Total approvals of all applications
    85.19%

    First National Bank Of Dryden has an average approval rate.

    Pick Rate

    Approvals leading to origination
    93.02%

    First National Bank Of Dryden has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 43 $5,085,000 $118,256

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $155,000 $155,000
    Single Family (1-4 Units):Manufactured 7 $365,000 $52,143
    Single Family (1-4 Units):Site-Built 35 $4,565,000 $130,429

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Struggling to pay mortgage 1 50.0%
    FIRST NATIONAL BANK OF OMAHA Home equity loan or line of credit (HELOC) Closing on a mortgage 1 50.0%