Capon Valley Bank Mortgage Rates, Fees & Info

Wardensville, WV

LEI: 254900JEEAUO1ZDBXW22

Tax ID: 55-0136805

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    Capon Valley Bank is a smaller bank specializing in Home Purchase loans. Capon Valley Bank has a high proportion of conventional loans. Their top markets by origination volume include: Winchester, Washington, Hagerstown, and Cumberland among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Capon Valley Bank has an above average approval rate when compared to the average across all lenders. They have an above 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

    118

    Origination Dollar Volume (All Markets)

    $24,310,000

    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
    WINCHESTER, VA-WV (FHA|USDA|VA) 44 $9,820,000 $223,182 $0 0.00%
    Outside of Metro Areas 56 $8,050,000 $143,750 $0 0.00%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 11 $4,735,000 $430,455 $0 0.00%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 6 $1,660,000 $276,667 $0 0.00%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    Capon Valley Bank's top markets include Winchester, Washington, Hagerstown, and Cumberland among others.

    Their top states include:
  • West Virginia (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 118 $24,310,000 $206,017 $0 0.00%

    For 2022, Capon Valley Bank's most frequently originated type of loan was Conventional, with 118 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 61 $15,345,000 $251,557 $0 0.00%
    Cash Out Refi 25 $3,885,000 $155,400 $0 0.00%
    Refi 14 $3,670,000 $262,143 $0 0.00%
    Other 10 $860,000 $86,000 $0 0.00%
    Home Improvement 8 $550,000 $68,750 $0 0.00%

    For 2022, Capon Valley Bank's most frequently cited loan purpose was Home Purchase, with 61 originations. The 2nd most popular reason was Cash Out Refi, with 25 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 118 $24,310,000 $206,017 $0 0.00%

    For 2022, Capon Valley Bank's most frequently cited loan duration was Other, with 118 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 46 $2,720,000 $59,130 $0 0.00%
    $100k-200k 32 $4,640,000 $145,000 $0 0.00%
    $200k-400k 25 $7,215,000 $288,600 $0 0.00%
    $400k-600k 10 $4,510,000 $451,000 $0 0.00%
    $600k-1MM 3 $2,285,000 $761,667 $0 0.00%
    $1MM+ 2 $2,940,000 $1,470,000 $0 0.00%

    2022 saw Capon Valley Bank place emphasis on $100,000 or less loans with 46 originations, totaling $2,720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 29 $4,415,000 $152,241 $0 0.00%
    $50k or less 28 $3,310,000 $118,214 $0 0.00%
    $100k-150k 26 $5,770,000 $221,923 $0 0.00%
    $75k-100k 14 $2,510,000 $179,286 $0 0.00%
    $150k-250k 10 $3,370,000 $337,000 $0 0.00%
    $250k+ 5 $3,585,000 $717,000 $0 0.00%

    Capon Valley Bank lent most frequently to those with incomes in the $50k-75k range, with 29 originations. The second most popular income band? $50k or less, with 28 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 118 $24,310,000 $206,017 $0 0.00%

    Capon Valley Bank lent most frequently to those with DTI ratios of Exempt%, with 118 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 111 $22,545,000 $203,108 $0 0.00%
    Not applicable 5 $1,275,000 $255,000 $0 0.00%
    Black 2 $490,000 $245,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.37%

    Capon Valley Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    96.61%

    Capon Valley Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 118 $24,310,000 $206,017

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    118 $24,310,000 $206,017