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 Pittsburgh 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 a below average pick rate when compared to similar lenders.
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Originations
139Origination Dollar Volume (All Markets)
$19,865,000Employee 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) | 99 | $14,015,000 | $141,566 | $0 | 0.00% |
| Somerset, PA (FHA|USDA|VA) | 35 | $4,985,000 | $142,429 | $0 | 0.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $210,000 | $105,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 139 | $19,865,000 | $142,914 | $0 | 0.00% |
For 2021, Slovenian Savings & Loan Association Of Franklin-conemaugh's most frequently originated type of loan was Conventional, with 139 originations.
Loan Reason
For 2021, Slovenian Savings & Loan Association Of Franklin-conemaugh's most frequently cited loan purpose was Home Purchase, with 109 originations. The 2nd most popular reason was Cash Out Refi, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 139 | $19,865,000 | $142,914 | $0 | 0.00% |
For 2021, Slovenian Savings & Loan Association Of Franklin-conemaugh's most frequently cited loan duration was Other, with 139 originations.
Loan Sizing
2021 saw Slovenian Savings & Loan Association Of Franklin-conemaugh place emphasis on $100,000 or less loans with 59 originations, totaling $3,465,000 in origination value.
Applicant Income
Slovenian Savings & Loan Association Of Franklin-conemaugh lent most frequently to those with incomes in the $50k-75k range, with 37 originations. The second most popular income band? $100k-150k, with 31 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 139 | $19,865,000 | $142,914 | $0 | 0.00% |
Slovenian Savings & Loan Association Of Franklin-conemaugh lent most frequently to those with DTI ratios of Exempt%, with 139 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 135 | $19,655,000 | $145,593 | $0 | 0.00% |
| Not applicable | 2 | $150,000 | $75,000 | $0 | 0.00% |
| Black | 2 | $60,000 | $30,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications89.47%
Slovenian Savings & Loan Association Of Franklin-conemaugh has an average approval rate.
Pick Rate
Approvals leading to origination89.93%
Slovenian Savings & Loan Association Of Franklin-conemaugh has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 139 | $19,865,000 | $142,914 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Shellpoint Partners, LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 148 | 10.1% |
| Shellpoint Partners, LLC | Conventional home mortgage | Closing on a mortgage | 79 | 5.4% |
| 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 | 43 | 2.9% |
| Shellpoint Partners, LLC | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 16 | 1.1% |
| Shellpoint Partners, LLC | Conventional home mortgage | Struggling to pay mortgage | 225 | 15.4% |
| Shellpoint Partners, LLC | Conventional home mortgage | Trouble during payment process | 651 | 44.6% |
| 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 | 14 | 1.0% |
| Shellpoint Partners, LLC | FHA mortgage | Closing on a mortgage | 9 | 0.6% |
| Shellpoint Partners, LLC | FHA mortgage | Incorrect information on your report | 7 | 0.5% |
| Shellpoint Partners, LLC | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 5 | 0.3% |
| Shellpoint Partners, LLC | FHA mortgage | Struggling to pay mortgage | 38 | 2.6% |
| Shellpoint Partners, LLC | FHA mortgage | Trouble during payment process | 79 | 5.4% |
| 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) | Struggling to pay mortgage | 2 | 0.1% |
| Shellpoint Partners, LLC | Home equity loan or line of credit (HELOC) | Trouble during payment process | 9 | 0.6% |
| Shellpoint Partners, LLC | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 10 | 0.7% |
| Shellpoint Partners, LLC | Other type of mortgage | Closing on a mortgage | 6 | 0.4% |
| Shellpoint Partners, LLC | Other type of mortgage | Incorrect information on your report | 2 | 0.1% |
| Shellpoint Partners, LLC | Other type of mortgage | Struggling to pay mortgage | 21 | 1.4% |
| Shellpoint Partners, LLC | Other type of mortgage | Trouble during payment process | 45 | 3.1% |
| Shellpoint Partners, LLC | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 0.3% |
| Shellpoint Partners, LLC | VA mortgage | Closing on a mortgage | 1 | 0.1% |
| Shellpoint Partners, LLC | VA mortgage | Incorrect information on your report | 6 | 0.4% |
| 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 | 9 | 0.6% |
| Shellpoint Partners, LLC | VA mortgage | Trouble during payment process | 26 | 1.8% |
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 | $32,016 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 361 First St Conemaugh, PA 15909 | Full Service B&M | $33,231 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 512 Central Avenue Johnstown, PA 15902 | Full Service B&M | $23,756 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 585 Goucher Street Johnstown, PA 15905 | Full Service B&M | $33,615 |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | 95 Hostetler Road Johnstown, PA 15904 | Full Service B&M | $27,841 |
For 2021, Slovenian Savings & Loan Association Of Franklin-conemaugh had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $4,475 |
| Net interest income | $3,280 |
| Total noninterest income | $506 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $152 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $354 |
| Pre-tax net operating income | $285 |
| Securities gains (or losses, -) | $-8 |
| Income before extraordinary items | $277 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $277 |
| Minority interest net income | $0 |
| Net income | $277 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $285 |
Slovenian Savings & Loan Association Of Franklin-conemaugh's gross interest income from loans was $4,475,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's net interest income from loans was $3,280,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's fee based income from loans was $152,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's net income from loans was $277,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,195 |
| Provision for credit losses | $7 |
| Total noninterest expense | $3,494 |
| Salaries and employee benefits | $1,670 |
| Premises and equipment expense | $367 |
| Additional noninterest expense | $1,457 |
| Applicable income taxes | $0 |
| Net charge-offs | $-21 |
| Cash dividends | $0 |
Slovenian Savings & Loan Association Of Franklin-conemaugh's interest expense for loans was $1,195,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's payroll and benefits expense were $1,670,000.
Slovenian Savings & Loan Association Of Franklin-conemaugh's property, plant and equipment expenses $367,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| 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 | $148,659 |
| Deposits held in domestic offices | $148,659 |
| Deposits by Individuals, partnerships, and corporations | $146,415 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $2,244 |
| 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 | $41,346 |
| Demand deposits | $1,009 |
| Nontransaction accounts | $107,313 |
| Money market deposit accounts (MMDAs) | $0 |
| Other savings deposits (excluding MMDAs) | $42,349 |
| Total time deposits | $64,964 |
| Total time and savings deposits | $147,650 |
| Noninterest-bearing deposits | $3,994 |
| Interest-bearing deposits | $144,665 |
| Retail deposits | $141,293 |
| IRAs and Keogh plan accounts | $19,976 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $166,374 |
| Cash & Balances due from depository institutions | $4,478 |
| Interest-bearing balances | $2,590 |
| Total securities | $66,268 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $90,100 |
| Loan and leases loss allowance | $498 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,065 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $4,463 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $166,374 |
| Total Liabilities | $149,064 |
| Total deposits | $148,659 |
| Interest-bearing deposits | $144,665 |
| Deposits held in domestic offices | $148,659 |
| % insured (estimated) | $97 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $405 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $90,100 |
| Loan and leases loss allowance | $498 |
| Total loans and leases (domestic) | $90,598 |
| All real estate loans | $87,616 |
| Real estate loans in domestic offices | $87,616 |
| Construction and development loans | $3,736 |
| Residential 1-4 family construction | $3,464 |
| Other construction, all land development and other land | $272 |
| Loans secured by nonfarm nonresidential properties | $1,054 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,054 |
| Commercial real estate & other non-farm, non-residential | $0 |
| Multifamily residential real estate | $270 |
| 1-4 family residential loans | $82,556 |
| 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 | $2,968 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $2,399 |
| Other loans to individuals | $569 |
| All other loans & leases | $14 |
| 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 $90,100,000 of loans outstanding in 2021. $87,616,000 of loans were in real estate loans. $3,736,000 of loans were in development loans. $270,000 of loans were in multifamily mortgage loans. $82,556,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $2,399,000 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 | 10 | $1,053 | $105,300 |
| Nonfarm, nonresidential loans - <$100k | 6 | $308 | $51,333 |
| Nonfarm, nonresidential loans - $100-250k | 3 | $448 | $149,333 |
| Nonfarm, nonresidential loans - $250k-1MM | 1 | $297 | $297,000 |