Bny Mellon Mortgage Rates, Fees & Info
Pittsburgh, PALEI: 4EP6JBYBTPTQ47LZOB67
Tax ID: 25-0659306
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Mortgage Data
Review & Overview
Bny Mellon is a smaller mortgage company specializing in Home Purchase and Other loans. Bny Mellon has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Boston, Miami, and Washington among others. We have data for 135 markets. (Some data included below & more in-depth data is available with an active subscription.)Bny Mellon has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bny Mellon is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
30 Year Conventional Purchase | 5.60% | 10/13/24 |
30 Year Conventional Refi | 5.84% | 10/13/24 |
15 Year Conventional Purchase | 5.37% | 10/13/24 |
15 Year Conventional Refi | 5.83% | 10/13/24 |
15 Year Cash-out Refi | 5.83% | 10/13/24 |
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. |
Bny Mellon Mortgage Calculator
Your Estimates
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technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
681Origination Dollar Volume (All Markets)
$919,325,000BNY Mellon - 2023
BNY Mellon is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Bny Mellon's average 30 year fixed mortgage rate was
5.82%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.66%.
Relative Fees (Closing Costs)
Bny Mellon's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,171.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
---|---|---|---|---|---|
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 70 | $125,510,000 | $1,793,000 | $8,019 | 5.67% |
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 31 | $69,675,000 | $2,247,581 | $7,731 | 5.81% |
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 55 | $65,915,000 | $1,198,455 | $6,532 | 5.71% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 37 | $47,285,000 | $1,277,973 | $9,862 | 5.88% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 23 | $29,575,000 | $1,285,870 | $6,989 | 5.88% |
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 23 | $27,345,000 | $1,188,913 | $6,538 | 5.52% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 22 | $24,510,000 | $1,114,091 | $5,931 | 5.91% |
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 17 | $23,355,000 | $1,373,824 | $7,112 | 6.11% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 19 | $21,695,000 | $1,141,842 | $6,208 | 5.57% |
Outside of Metro Areas | 15 | $20,845,000 | $1,389,667 | $6,972 | 6.09% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 12 | $20,650,000 | $1,720,833 | $5,795 | 5.78% |
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 10 | $18,810,000 | $1,881,000 | $8,919 | 5.86% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 13 | $18,305,000 | $1,408,077 | $11,437 | 5.67% |
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $15,645,000 | $5,215,000 | $21,718 | 5.29% |
Heber, UT (FHA|USDA|VA) | 8 | $15,140,000 | $1,892,500 | $7,136 | 5.86% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 12 | $14,120,000 | $1,176,667 | $8,768 | 5.69% |
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $13,840,000 | $1,384,000 | $8,198 | 5.16% |
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 14 | $12,920,000 | $922,857 | $4,124 | 5.70% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $12,765,000 | $1,823,571 | $9,404 | 5.64% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $11,615,000 | $1,290,556 | $4,812 | 5.90% |
PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $11,475,000 | $2,295,000 | $12,725 | 5.40% |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 11 | $9,665,000 | $878,636 | $4,612 | 5.74% |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 9 | $9,325,000 | $1,036,111 | $8,075 | 6.24% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $9,205,000 | $1,315,000 | $10,557 | 6.52% |
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $8,745,000 | $1,249,286 | $11,066 | 5.77% |
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 8 | $8,640,000 | $1,080,000 | $5,900 | 5.45% |
SALINAS, CA (FHA|USDA|VA) | 2 | $8,510,000 | $4,255,000 | $8,219 | 6.25% |
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $8,375,000 | $930,556 | $8,331 | 6.26% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $8,165,000 | $2,721,667 | $13,944 | 5.63% |
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $8,100,000 | $1,012,500 | $11,898 | 6.02% |
JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $8,075,000 | $1,615,000 | $9,333 | 6.23% |
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $6,660,000 | $1,665,000 | $5,232 | 6.34% |
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $6,610,000 | $1,101,667 | $6,351 | 5.79% |
RENO, NV (FHA|USDA|VA) | 2 | $6,510,000 | $3,255,000 | $11,088 | 5.63% |
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 8 | $6,300,000 | $787,500 | $4,748 | 6.20% |
WILMINGTON, NC (FHA|USDA|VA) | 4 | $6,170,000 | $1,542,500 | $5,331 | 6.00% |
BOULDER, CO (FHA|USDA|VA) | 4 | $5,470,000 | $1,367,500 | $5,272 | 5.47% |
Outside of Metro Areas | 2 | $5,410,000 | $2,705,000 | $6,746 | 5.75% |
BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $5,185,000 | $1,728,333 | $5,110 | 6.13% |
Lebanon, NH-VT (FHA|USDA|VA) | 3 | $5,035,000 | $1,678,333 | $6,310 | 5.21% |
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $4,875,000 | $975,000 | $4,719 | 6.25% |
Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $4,735,000 | $1,578,333 | $10,270 | 5.42% |
Hilo, HI (FHA|USDA|VA) | 3 | $4,715,000 | $1,571,667 | $7,966 | 5.21% |
PITTSBURGH, PA (FHA|USDA|VA) | 6 | $4,570,000 | $761,667 | $7,164 | 5.75% |
URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $4,390,000 | $2,195,000 | $6,612 | 5.50% |
Torrington, CT (FHA|USDA|VA) | 3 | $4,335,000 | $1,445,000 | $7,881 | 6.29% |
LANCASTER, PA (FHA|USDA|VA) | 2 | $3,810,000 | $1,905,000 | $8,445 | 5.56% |
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $3,660,000 | $1,830,000 | $5,264 | 5.69% |
FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $3,350,000 | $1,675,000 | $6,177 | 6.13% |
Lewisburg, TN (FHA|USDA|VA) | 1 | $3,305,000 | $3,305,000 | $20,884 | 5.00% |
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $3,160,000 | $790,000 | $4,721 | 5.69% |
SANTA FE, NM (FHA|USDA|VA) | 4 | $3,050,000 | $762,500 | $6,232 | 5.94% |
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $2,920,000 | $730,000 | $5,924 | 5.75% |
SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $2,905,000 | $968,333 | $6,453 | 5.63% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $2,895,000 | $965,000 | $7,414 | 5.50% |
Kalispell, MT (FHA|USDA|VA) | 2 | $2,790,000 | $1,395,000 | $6,387 | 5.50% |
Edwards, CO (FHA|USDA|VA) | 2 | $2,690,000 | $1,345,000 | $4,372 | 5.63% |
TUCSON, AZ (FHA|USDA|VA) | 3 | $2,595,000 | $865,000 | $6,751 | 5.58% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $2,545,000 | $848,333 | $6,036 | 6.33% |
Bozeman, MT (FHA|USDA|VA) | 3 | $2,515,000 | $838,333 | $4,890 | 5.92% |
MANHATTAN, KS (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $8,411 | 5.13% |
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $9,131 | 6.88% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $2,465,000 | $821,667 | $8,456 | 5.29% |
BEND, OR (FHA|USDA|VA) | 1 | $2,395,000 | $2,395,000 | $7,828 | 6.00% |
Brainerd, MN (FHA|USDA|VA) | 2 | $2,360,000 | $1,180,000 | $4,885 | 5.56% |
ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $2,355,000 | $785,000 | $6,154 | 5.58% |
KINGSTON, NY (FHA|USDA|VA) | 2 | $2,260,000 | $1,130,000 | $7,163 | 5.19% |
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $2,205,000 | $735,000 | $4,596 | 6.33% |
MADISON, WI (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $5,261 | 6.25% |
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $5,031 | 5.13% |
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $1,965,000 | $1,965,000 | $9,376 | 6.25% |
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,910,000 | $955,000 | $6,161 | 6.06% |
Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,910,000 | $955,000 | $5,785 | 6.63% |
Cullowhee, NC (FHA|USDA|VA) | 2 | $1,880,000 | $940,000 | $5,736 | 7.06% |
Cookeville, TN (FHA|USDA|VA) | 1 | $1,845,000 | $1,845,000 | $6,908 | 6.63% |
AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $1,825,000 | $1,825,000 | $6,936 | 6.50% |
PITTSFIELD, MA (FHA|USDA|VA) | 2 | $1,770,000 | $885,000 | $7,720 | 6.50% |
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $1,710,000 | $855,000 | $4,536 | 5.38% |
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $1,660,000 | $830,000 | $5,391 | 5.63% |
ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $1,645,000 | $1,645,000 | $7,706 | 6.88% |
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $5,598 | 6.63% |
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $5,311 | 6.31% |
CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $7,759 | 5.25% |
Easton, MD (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $5,141 | 5.25% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $1,415,000 | $1,415,000 | $6,460 | 6.13% |
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $1,255,000 | $1,255,000 | $9,032 | 5.38% |
OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $5,039 | 6.06% |
Jackson, WY-ID (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $4,851 | 6.69% |
RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $1,180,000 | $590,000 | $3,953 | 6.06% |
GAINESVILLE, GA (FHA|USDA|VA) | 1 | $1,175,000 | $1,175,000 | $6,583 | 5.38% |
BRUNSWICK, GA (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $5,591 | 5.63% |
CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $7,265 | 4.00% |
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $4,283 | 6.00% |
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $3,885 | 6.06% |
JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $7,083 | 5.50% |
Cornelia, GA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $6,471 | 6.00% |
Shelton, WA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $5,110 | 5.88% |
Payson, AZ (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $3,986 | 6.00% |
Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $4,339 | 5.56% |
Glenwood Springs, CO (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $5,477 | 5.00% |
LOUISVILLE, KY (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $6,237 | 5.63% |
COLUMBUS, OH (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $4,549 | 5.50% |
RICHMOND, VA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $4,539 | 6.00% |
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $4,191 | 5.38% |
KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $3,721 | 6.25% |
ASHEVILLE, NC (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $3,967 | 5.50% |
WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $4,576 | 6.38% |
PANAMA CITY, FL (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $5,542 | 6.38% |
FRESNO, CA (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $4,106 | 5.38% |
TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $6,829 | 6.50% |
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,632 | 6.38% |
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $8,551 | 5.38% |
Hudson, NY (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $4,950 | 6.50% |
CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $4,774 | 7.25% |
TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,311 | 4.63% |
Sulphur Springs, TX (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $6,561 | 5.50% |
Boone, NC (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $4,079 | 5.50% |
Morehead City, NC (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $4,228 | 6.25% |
Keene, NH (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $3,409 | 6.63% |
JACKSON, MS (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,616 | 6.75% |
KNOXVILLE, TN (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $5,021 | 6.50% |
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,820 | 5.50% |
Vineyard Haven, MA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,079 | 5.50% |
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,518 | 6.50% |
Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,527 | 5.75% |
SYRACUSE, NY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,417 | 5.13% |
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,919 | 5.63% |
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,076 | 5.13% |
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,690 | 7.13% |
CORVALLIS, OR (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,778 | 5.75% |
WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,832 | 6.38% |
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,550 | 5.75% |
MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,941 | 5.38% |
SAVANNAH, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,805 | 5.13% |
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,572 | 5.00% |
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Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 681 | $919,325,000 | $1,349,963 | $7,215 | 5.80% |
For 2023, Bny Mellon's most frequently originated type of loan was Conventional, with 681 originations.
Loan Reason
For 2023, Bny Mellon's most frequently cited loan purpose was Home Purchase, with 432 originations. The 2nd most popular reason was Other, with 164 originations.
Loan Duration/Length
For 2023, Bny Mellon's most frequently cited loan duration was 30 Year, with 669 originations. The 2nd most popular length was 15 Year, with 9 originations.
Origination Fees/Closing Costs
Bny Mellon's average total fees were $7,171, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 669 originations.
Interest Rates
During 2023, Bny Mellon's average interest rate for loans was 5.82%, while their most frequently originated rate bucket for loans was 5-6%, with 359 originations.
Loan Sizing
2023 saw Bny Mellon place emphasis on $1MM+ loans with 346 originations, totaling $703,390,000 in origination value.
Applicant Income
Bny Mellon lent most frequently to those with incomes in the $250k+ range, with 583 originations. The second most popular income band? $150k-250k, with 67 originations.
Applicant Debt to Income Ratio
Bny Mellon lent most frequently to those with DTI ratios of 20-30%, with 199 originations. The next most common DTI ratio? 30-36%, with 146 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.82%
Bny Mellon has an average approval rate.
Pick Rate
Approvals leading to origination83.55%
Bny Mellon has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 681 | $919,325,000 | $1,349,963 |