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

Cincinnati, OH

LEI: 5493000FE7FNF0BV8N77

Tax ID: 31-0393100

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The North Side Bank & Trust Company is a smaller bank specializing in Other loans. The North Side Bank & Trust Company has an average proportion of conventional loans. Their top markets by origination volume include: Cincinnati, Nashville, Dayton, Louisville, and Erie among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The North Side Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have an above 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) 5.57% 12/16/24
    30 Year Conventional Purchase 6.30% 12/16/24
    30 Year Conventional Refi 5.93% 12/16/24
    30 Year Cash-out Refi 5.54% 12/16/24
    15 Year Conventional Purchase 6.18% 12/16/24
    15 Year Conventional Refi 5.60% 12/16/24
    15 Year Cash-out Refi 5.60% 12/16/24
    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.

    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

    678

    Origination Dollar Volume (All Markets)

    $109,700,000

    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

    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) 655 $102,515,000 $156,511 $1,629 4.50%
    Outside of Metro Areas 2 $4,280,000 $2,140,000 $9,378 3.94%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $860,000 $430,000 $3,744 6.19%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 11 $605,000 $55,000 $0 6.16%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.75%
    ERIE, PA (FHA|USDA|VA) 1 $335,000 $335,000 $2,292 3.13%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $305,000 $305,000 $3,920 5.38%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.00%
    Wilmington, OH (FHA|USDA|VA) 3 $125,000 $41,667 $0 5.33%
    LIMA, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.50%
    The North Side Bank & Trust Company's top markets include Cincinnati, Nashville, Dayton, Louisville, and Erie among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Colorado (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.

    Sharefax Credit Union
    Similarity Rank: 170
    CINFED Federal Credit Union
    Similarity Rank: 210
    The North Side Bank & Trust Company
    Similarity Rank: 450
    Eagle Savings Bank
    Similarity Rank: 546
    The Friendship State Bank
    Similarity Rank: 623
    Somerville Bank
    Similarity Rank: 819
    Forcht Bank
    Similarity Rank: 820
    KEMBA CREDIT UNION, INC.
    Similarity Rank: 840
    LCNB National Bank
    Similarity Rank: 936
    GENERAL ELECTRIC CREDIT UNION
    Similarity Rank: 960

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 476 $81,400,000 $171,008 n/a 4.56%
    Conventional 202 $28,300,000 $140,099 $1,830 4.45%

    For 2022, The North Side Bank & Trust Company's most frequently originated type of loan was HELOC, with 476 originations. Their 2nd most popular type was Conventional, with 202 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 293 $48,615,000 $165,922 $0 4.31%
    Home Improvement 188 $21,240,000 $112,979 $0 4.55%
    Home Purchase 109 $19,595,000 $179,771 $2,195 5.24%
    Refi 85 $19,895,000 $234,059 $1,580 4.34%
    Cash Out Refi 3 $355,000 $118,333 $0 4.33%

    For 2022, The North Side Bank & Trust Company's most frequently cited loan purpose was Other, with 293 originations. The 2nd most popular reason was Home Improvement, with 188 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 499 $82,855,000 $166,042 $0 4.58%
    15 Year 61 $6,885,000 $112,869 $1,116 5.15%
    5 Year 56 $1,670,000 $29,821 $0 3.46%
    30 Year 45 $16,005,000 $355,667 $2,132 4.51%
    Other 14 $1,780,000 $127,143 $0 4.50%
    20 Year 3 $505,000 $168,333 $1,444 4.42%

    For 2022, The North Side Bank & Trust Company's most frequently cited loan duration was 10 Year, with 499 originations. The 2nd most popular length was 15 Year, with 61 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 67 $18,395,000 $274,552
    $3k-4k 1 $1,125,000 $1,125,000

    The North Side Bank & Trust Company's average total fees were $2,132, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 67 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 300 $46,650,000 $155,500
    4-5% 175 $32,595,000 $186,257
    5-6% 100 $12,440,000 $124,400
    6-7% 88 $10,470,000 $118,977
    2.5-3% 7 $2,835,000 $405,000
    7-8% 5 $175,000 $35,000
    <2.5% 3 $4,535,000 $1,511,667

    During 2022, The North Side Bank & Trust Company's average interest rate for loans was 4.51%, while their most frequently originated rate bucket for loans was 3-4%, with 300 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 318 $15,780,000 $49,623 $1,121 4.58%
    $100k-200k 181 $25,775,000 $142,403 $1,524 4.59%
    $200k-400k 134 $35,230,000 $262,910 $1,613 4.55%
    $400k-600k 26 $12,630,000 $485,769 $1,671 3.81%
    $600k-1MM 13 $9,435,000 $725,769 $2,618 4.08%
    $1MM+ 6 $10,850,000 $1,808,333 $7,978 3.60%

    2022 saw The North Side Bank & Trust Company place emphasis on $100,000 or less loans with 318 originations, totaling $15,780,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 164 $24,910,000 $151,890 $3,337 4.56%
    $100k-150k 159 $21,885,000 $137,642 $1,582 4.74%
    $250k+ 137 $37,295,000 $272,226 $1,998 4.28%
    $75k-100k 80 $8,620,000 $107,750 $1,407 4.72%
    $50k-75k 66 $5,090,000 $77,121 $1,461 4.46%
    $50k or less 58 $4,530,000 $78,103 $1,466 4.26%

    The North Side Bank & Trust Company lent most frequently to those with incomes in the $150k-250k range, with 164 originations. The second most popular income band? $100k-150k, with 159 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 232 $30,990,000 $133,578 $1,529 4.42%
    <20% 145 $23,565,000 $162,517 $1,721 4.37%
    30-36% 109 $16,215,000 $148,761 $1,463 4.67%
    40% 31 $3,835,000 $123,710 $1,298 4.56%
    37% 21 $3,055,000 $145,476 $0 4.47%
    43% 18 $3,120,000 $173,333 $944 4.56%
    41% 17 $3,605,000 $212,059 $4,080 4.41%
    36% 17 $2,435,000 $143,235 $1,686 4.80%
    39% 16 $2,720,000 $170,000 $1,404 4.99%
    45% 15 $3,525,000 $235,000 $0 4.68%
    38% 14 $2,760,000 $197,143 $0 4.50%
    42% 9 $2,825,000 $313,889 $0 5.11%
    44% 8 $1,290,000 $161,250 $0 5.41%
    >60% 3 $385,000 $128,333 $0 4.75%
    50-60% 2 $730,000 $365,000 $3,744 6.06%
    46% 1 $255,000 $255,000 $0 4.25%
    48% 1 $45,000 $45,000 $0 6.75%

    The North Side Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 232 originations. The next most common DTI ratio? <20%, with 145 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 602 $97,540,000 $162,027 $1,719 4.47%
    Not applicable 10 $6,230,000 $623,000 $9,378 4.95%
    Black 38 $2,780,000 $73,158 $1,306 4.54%
    Not provided 8 $1,760,000 $220,000 $1,848 4.66%
    Asian 19 $1,355,000 $71,316 $0 6.08%
    American Indian 1 $35,000 $35,000 $0 3.50%

    Approval Rates

    Total approvals of all applications
    94.32%

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

    Pick Rate

    Approvals leading to origination
    92.48%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 678 $109,700,000 $161,799

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    678 $109,700,000 $161,799

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 215 $31,795,000 $147,884 $1,590 4.55%
    40-60% 85 $17,675,000 $207,941 $1,341 4.15%
    60-80% 56 $19,970,000 $356,607 $2,087 4.71%
    80-100% 68 $25,010,000 $367,794 $2,256 4.49%
    Under 20% 254 $15,250,000 $60,039 $506 4.61%