Pathfinder Bank Mortgage Rates, Fees & Info
Oswego, NYLEI: 254900WBNJ2MGXXXDY75
Tax ID: 15-0408130
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Pathfinder Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Pathfinder Bank has a high proportion of conventional loans. Their top markets by origination volume include: Syracuse, Utica, Myrtle Beach, Oneonta, and Auburn among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Pathfinder 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.
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Originations
140Origination Dollar Volume (All Markets)
$33,560,000Top 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 |
|---|---|---|---|---|---|
| SYRACUSE, NY (FHA|USDA|VA) | 123 | $25,105,000 | $204,106 | $0 | 0.00% |
| UTICA-ROME, NY (FHA|USDA|VA) | 10 | $7,210,000 | $721,000 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 0.00% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $125,000 | $41,667 | $0 | 0.00% |
| Auburn, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Cortland, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Pathfinder Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 20
Similarity Rank: 26
Similarity Rank: 120
Similarity Rank: 270
Similarity Rank: 460
Similarity Rank: 529
Similarity Rank: 738
Similarity Rank: 748
Similarity Rank: 756
Similarity Rank: 780
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 140 | $33,560,000 | $239,714 | $0 | 0.00% |
For 2024, Pathfinder Bank's most frequently originated type of loan was Conventional, with 140 originations.
Loan Reason
For 2024, Pathfinder Bank's most frequently cited loan purpose was Home Purchase, with 79 originations. The 2nd most popular reason was Cash Out Refi, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 140 | $33,560,000 | $239,714 | $0 | 0.00% |
For 2024, Pathfinder Bank's most frequently cited loan duration was Other, with 140 originations.
Loan Sizing
2024 saw Pathfinder Bank place emphasis on $100,000 or less loans with 58 originations, totaling $3,400,000 in origination value.
Applicant Income
Pathfinder Bank lent most frequently to those with incomes in the $50k or less range, with 30 originations. The second most popular income band? $50k-75k, with 29 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 140 | $33,560,000 | $239,714 | $0 | 0.00% |
Pathfinder Bank lent most frequently to those with DTI ratios of Exempt%, with 140 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.36%
Pathfinder Bank has an average approval rate.
Pick Rate
Approvals leading to origination80.00%
Pathfinder Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 140 | $33,560,000 | $239,714 |