Slovenian Savings & Loan Association Of Franklin-conemaugh Mortgage Rates, Fees & Info
Conemaugh, PALEI: 254900QC9XDDY8OVYU54
Tax ID: 25-0801550
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Mortgage Data
Bank Data
Review & Overview
Slovenian Savings & Loan Association Of Franklin-conemaugh is a smaller mortgage company specializing in Home Purchase loans. Slovenian Savings & Loan Association Of Franklin-conemaugh has a high proportion of conventional loans. Their top markets by origination volume include: Johnstown, Somerset, and Altoona among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Slovenian Savings & Loan Association Of Franklin-conemaugh has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
83Origination Dollar Volume (All Markets)
$10,975,000Employee count
31Top 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 |
|---|---|---|---|---|---|
| JOHNSTOWN, PA (FHA|USDA|VA) | 54 | $6,610,000 | $122,407 | $0 | 0.00% |
| Somerset, PA (FHA|USDA|VA) | 23 | $3,055,000 | $132,826 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $960,000 | $240,000 | $0 | 0.00% |
| ALTOONA, PA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 83 | $10,975,000 | $132,229 | $0 | 0.00% |
For 2019, Slovenian Savings & Loan Association Of Franklin-conemaugh's most frequently originated type of loan was Conventional, with 83 originations.
Loan Reason
For 2019, Slovenian Savings & Loan Association Of Franklin-conemaugh's most frequently cited loan purpose was Home Purchase, with 70 originations. The 2nd most popular reason was Cash Out Refi, with 10 originations.
Loan Duration/Length
For 2019, Slovenian Savings & Loan Association Of Franklin-conemaugh's most frequently cited loan duration was 30 Year, with 58 originations. The 2nd most popular length was 20 Year, with 8 originations.
Loan Sizing
2019 saw Slovenian Savings & Loan Association Of Franklin-conemaugh place emphasis on $100,000 or less loans with 42 originations, totaling $2,390,000 in origination value.
Applicant Income
Slovenian Savings & Loan Association Of Franklin-conemaugh lent most frequently to those with incomes in the $100k-150k range, with 24 originations. The second most popular income band? $50k-75k, with 19 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 83 | $10,975,000 | $132,229 | $0 | 0.00% |
Slovenian Savings & Loan Association Of Franklin-conemaugh lent most frequently to those with DTI ratios of Exempt%, with 83 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 82 | $10,540,000 | $128,537 | $0 | 0.00% |
| Asian | 1 | $435,000 | $435,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications84.62%
Slovenian Savings & Loan Association Of Franklin-conemaugh has a below average approval rate.
Pick Rate
Approvals leading to origination93.98%
Slovenian Savings & Loan Association Of Franklin-conemaugh has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 83 | $10,975,000 | $132,229 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 4 | $400,000 | $100,000 |
| Single Family (1-4 Units):Site-Built | 79 | $10,575,000 | $133,861 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Shellpoint Partners, LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 23 | 2.8% |
| Shellpoint Partners, LLC | Conventional home mortgage | Closing on a mortgage | 23 | 2.8% |
| Shellpoint Partners, LLC | Conventional home mortgage | Improper use of your report | 1 | 0.1% |
| Shellpoint Partners, LLC | Conventional home mortgage | Incorrect information on your report | 10 | 1.2% |
| Shellpoint Partners, LLC | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 6 | 0.7% |
| Shellpoint Partners, LLC | Conventional home mortgage | Struggling to pay mortgage | 153 | 18.8% |
| Shellpoint Partners, LLC | Conventional home mortgage | Trouble during payment process | 388 | 47.5% |
| Shellpoint Partners, LLC | Conventional home mortgage | Unable to get your credit report or credit score | 1 | 0.1% |
| Shellpoint Partners, LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 0.9% |
| Shellpoint Partners, LLC | FHA mortgage | Closing on a mortgage | 3 | 0.4% |
| Shellpoint Partners, LLC | FHA mortgage | Incorrect information on your report | 3 | 0.4% |
| Shellpoint Partners, LLC | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 2 | 0.2% |
| Shellpoint Partners, LLC | FHA mortgage | Struggling to pay mortgage | 24 | 2.9% |
| Shellpoint Partners, LLC | FHA mortgage | Trouble during payment process | 65 | 8.0% |
| Shellpoint Partners, LLC | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 4 | 0.5% |
| Shellpoint Partners, LLC | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 0.1% |
| Shellpoint Partners, LLC | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 0.1% |
| Shellpoint Partners, LLC | Home equity loan or line of credit (HELOC) | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.1% |
| Shellpoint Partners, LLC | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 0.1% |
| Shellpoint Partners, LLC | Home equity loan or line of credit (HELOC) | Trouble during payment process | 9 | 1.1% |
| Shellpoint Partners, LLC | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 0.5% |
| Shellpoint Partners, LLC | Other type of mortgage | Incorrect information on your report | 1 | 0.1% |
| Shellpoint Partners, LLC | Other type of mortgage | Struggling to pay mortgage | 17 | 2.1% |
| Shellpoint Partners, LLC | Other type of mortgage | Trouble during payment process | 24 | 2.9% |
| Shellpoint Partners, LLC | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 0.1% |
| Shellpoint Partners, LLC | VA mortgage | Incorrect information on your report | 1 | 0.1% |
| Shellpoint Partners, LLC | VA mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.1% |
| Shellpoint Partners, LLC | VA mortgage | Struggling to pay mortgage | 12 | 1.5% |
| Shellpoint Partners, LLC | VA mortgage | Trouble during payment process | 29 | 3.6% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 1512 Jefferson Avenue Windber, PA 15963 | Full Service B&M | $23,045 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 361 First St Conemaugh, PA 15909 | Full Service B&M | $30,020 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 512 Central Avenue Johnstown, PA 15902 | Full Service B&M | $21,484 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 585 Goucher Street Johnstown, PA 15905 | Full Service B&M | $28,709 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 95 Hostetler Road Johnstown, PA 15904 | Full Service B&M | $25,696 |
For 2019, Slovenian Savings & Loan Association Of Franklin-conemaugh had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $4,834 |
| Net interest income | $3,342 |
| Total noninterest income | $476 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $195 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $281 |
| Pre-tax net operating income | $397 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $373 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $373 |
| Minority interest net income | $0 |
| Net income | $373 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $373 |
Slovenian Savings & Loan Association Of Franklin-conemaugh's gross interest income from loans was $4,834,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's net interest income from loans was $3,342,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's fee based income from loans was $195,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's net income from loans was $373,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,492 |
| Provision for credit losses | $59 |
| Total noninterest expense | $3,362 |
| Salaries and employee benefits | $1,625 |
| Premises and equipment expense | $382 |
| Additional noninterest expense | $1,355 |
| Applicable income taxes | $24 |
| Net charge-offs | $53 |
| Cash dividends | $0 |
Slovenian Savings & Loan Association Of Franklin-conemaugh's interest expense for loans was $1,492,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's payroll and benefits expense were $1,625,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's property, plant and equipment expenses $382,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 2.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $132,608 |
| Deposits held in domestic offices | $132,608 |
| Deposits by Individuals, partnerships, and corporations | $130,174 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $2,434 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $30,817 |
| Demand deposits | $1,186 |
| Nontransaction accounts | $101,791 |
| Money market deposit accounts (MMDAs) | $0 |
| Other savings deposits (excluding MMDAs) | $31,176 |
| Total time deposits | $70,615 |
| Total time and savings deposits | $131,422 |
| Noninterest-bearing deposits | $4,992 |
| Interest-bearing deposits | $127,616 |
| Retail deposits | $125,640 |
| IRAs and Keogh plan accounts | $20,113 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $149,592 |
| Cash & Balances due from depository institutions | $18,209 |
| Interest-bearing balances | $16,431 |
| Total securities | $46,697 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $79,715 |
| Loan and leases loss allowance | $439 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,144 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $3,827 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $149,592 |
| Total Liabilities | $132,810 |
| Total deposits | $132,608 |
| Interest-bearing deposits | $127,616 |
| Deposits held in domestic offices | $132,608 |
| % insured (estimated) | $96 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $202 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $79,715 |
| Loan and leases loss allowance | $439 |
| Total loans and leases (domestic) | $80,154 |
| All real estate loans | $76,823 |
| Real estate loans in domestic offices | $76,823 |
| Construction and development loans | $2,269 |
| Residential 1-4 family construction | $2,035 |
| Other construction, all land development and other land | $234 |
| Loans secured by nonfarm nonresidential properties | $1,245 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,245 |
| Commercial real estate & other non-farm, non-residential | $0 |
| Multifamily residential real estate | $110 |
| 1-4 family residential loans | $73,199 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $0 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $3,306 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $2,664 |
| Other loans to individuals | $642 |
| All other loans & leases | $24 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Slovenian Savings & Loan Association of Franklin-Conemaugh had $79,715,000 of loans outstanding in 2019. $76,823,000 of loans were in real estate loans. $2,269,000 of loans were in development loans. $110,000 of loans were in multifamily mortgage loans. $73,199,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $2,664,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 15 | $1,244 | $82,933 |
| Nonfarm, nonresidential loans - <$100k | 9 | $172 | $19,111 |
| Nonfarm, nonresidential loans - $100-250k | 5 | $732 | $146,400 |
| Nonfarm, nonresidential loans - $250k-1MM | 1 | $340 | $340,000 |