The North Side Bank & Trust Company Mortgage Rates, Fees & Info

Cincinnati, OH

LEI: 5493000FE7FNF0BV8N77

Tax ID: 31-0393100

5 stars - Updated: 4/5/25 - out of 5 stars, based on 21 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

The North Side Bank & Trust Company is a smaller bank specializing in Other, Home Purchase, and Refi loans. The North Side Bank & Trust Company has an average proportion of conventional loans. Their top markets by origination volume include: Cincinnati, Naples, and Dayton among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

The North Side Bank & Trust Company has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. The North Side Bank & Trust Company is typically a low 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 about average 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
Home Equity Line of Credit (HELOC) 6.51% 4/5/25
30 Year Conventional Purchase 6.64% 4/5/25
30 Year Conventional Refi 6.55% 4/5/25
15 Year Conventional Purchase 6.53% 4/5/25
15 Year Conventional Refi 7.24% 4/5/25
15 Year Cash-out Refi 7.24% 4/5/25
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.

The North Side Bank & Trust Company Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from The North Side Bank & Trust Company. It uses our SimulatedRate™ 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

433

Origination Dollar Volume (All Markets)

$73,715,000

Awards

The North Side Bank & Trust Company 30 Year Conventional Loans gold The North Side Bank & Trust Company 30 Year Conventional Loans gold
Show all (2) awards

Relative Rate

The North Side Bank & Trust Company's average 30 year fixed mortgage rate was 6.63%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.08%.

Relative Fees (Closing Costs)

The North Side Bank & Trust Company's average total fees/closing costs for a 30 year fixed rate mortgage were $1,822.

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 $8,356.

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
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 428 $72,130,000 $168,528 $653 7.33%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $910,000 $455,000 $7,402 6.81%
Outside of Metro Areas 2 $520,000 $260,000 $0 7.44%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.25%
The North Side Bank & Trust Company's top markets include Cincinnati, Naples, and Dayton among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against The North Side Bank & Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 321 $61,095,000 $190,327 n/a 7.83%
    Conventional 112 $12,620,000 $112,679 $759 5.89%

    For 2024, The North Side Bank & Trust Company's most frequently originated type of loan was HELOC, with 321 originations. Their 2nd most popular type was Conventional, with 112 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 130 $22,780,000 $175,231 $0 7.85%
    Home Improvement 121 $12,095,000 $99,959 $0 6.36%
    Home Purchase 110 $22,210,000 $201,909 $2,151 7.64%
    Refi 72 $16,630,000 $230,972 $998 7.55%

    For 2024, The North Side Bank & Trust Company's most frequently cited loan purpose was Other, with 130 originations. The 2nd most popular reason was Home Improvement, with 121 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 326 $61,010,000 $187,147 $0 7.82%
    5 Year 53 $1,415,000 $26,698 $0 4.55%
    30 Year 23 $6,365,000 $276,739 $1,822 6.63%
    15 Year 19 $2,355,000 $123,947 $338 7.62%
    Other 7 $1,655,000 $236,429 $0 7.14%
    1 Year 3 $725,000 $241,667 $0 8.08%
    20 Year 2 $190,000 $95,000 $1,803 6.50%

    For 2024, The North Side Bank & Trust Company's most frequently cited loan duration was 10 Year, with 326 originations. The 2nd most popular length was 5 Year, with 53 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 63 $7,735,000 $122,778
    $2k-3k 1 $505,000 $505,000

    The North Side Bank & Trust Company's average total fees were $1,822, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 63 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 328 $61,230,000 $186,677
    4-5% 49 $1,315,000 $26,837
    6-7% 32 $8,660,000 $270,625
    Over 8% 19 $1,035,000 $54,474
    5-6% 5 $1,475,000 $295,000

    During 2024, The North Side Bank & Trust Company's average interest rate for loans was 6.63%, while their most frequently originated rate bucket for loans was 7-8%, with 328 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 169 $8,205,000 $48,550 $94 6.80%
    $100k-200k 127 $18,085,000 $142,402 $1,388 7.69%
    $200k-400k 96 $25,940,000 $270,208 $1,121 7.67%
    $400k-600k 32 $14,790,000 $462,188 $3,254 7.64%
    $600k-1MM 8 $5,690,000 $711,250 $1,096 7.48%
    $1MM+ 1 $1,005,000 $1,005,000 $0 8.00%

    2024 saw The North Side Bank & Trust Company place emphasis on $100,000 or less loans with 169 originations, totaling $8,205,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 125 $34,405,000 $275,240 $1,863 7.66%
    $150k-250k 109 $18,095,000 $166,009 $729 7.54%
    $100k-150k 91 $10,945,000 $120,275 $690 7.34%
    $50k-75k 35 $2,175,000 $62,143 $393 6.46%
    $75k-100k 35 $2,655,000 $75,857 $574 6.97%
    $50k or less 22 $1,330,000 $60,455 $473 6.56%

    The North Side Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 125 originations. The second most popular income band? $150k-250k, with 109 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 137 $19,655,000 $143,467 $641 7.18%
    <20% 99 $20,215,000 $204,192 $990 7.21%
    30-36% 65 $9,045,000 $139,154 $725 7.39%
    41% 23 $4,125,000 $179,348 $450 7.77%
    39% 18 $4,520,000 $251,111 $0 7.86%
    38% 14 $2,410,000 $172,143 $1,552 7.46%
    36% 13 $2,745,000 $211,154 $0 7.56%
    43% 13 $2,275,000 $175,000 $0 7.52%
    37% 10 $1,700,000 $170,000 $878 6.79%
    40% 10 $1,220,000 $122,000 $0 7.35%
    44% 9 $1,965,000 $218,333 $0 8.00%
    42% 8 $1,350,000 $168,750 $0 7.50%
    45% 2 $310,000 $155,000 $0 7.75%
    46% 1 $35,000 $35,000 $0 8.50%
    48% 1 $405,000 $405,000 $1,450 7.00%
    50-60% 1 $95,000 $95,000 $0 8.00%

    The North Side Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 137 originations. The next most common DTI ratio? <20%, with 99 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 357 $61,725,000 $172,899 $764 7.36%
    Not provided 43 $7,195,000 $167,326 $1,472 7.47%
    Not applicable 10 $3,350,000 $335,000 $0 7.50%
    Black 19 $915,000 $48,158 $98 6.36%
    Asian 3 $515,000 $171,667 $0 7.83%
    Native Hawaiian or Islander 1 $15,000 $15,000 $0 7.50%

    Approval Rates

    Total approvals of all applications
    86.51%

    The North Side Bank & Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.07%

    The North Side Bank & Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 433 $73,715,000 $170,242

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    433 $73,715,000 $170,242

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 152 $25,060,000 $164,868 $740 7.69%
    40-60% 80 $20,720,000 $259,000 $1,332 7.71%
    60-80% 40 $11,540,000 $288,500 $1,814 7.42%
    80-100% 25 $7,945,000 $317,800 $1,398 7.53%
    Under 20% 136 $8,450,000 $62,132 $218 6.64%