New Carlisle Federal Savings Bank Mortgage Rates, Fees & Info
New Carlisle, OHLEI: 5493002WXCO8XZD1EB38
Tax ID: 31-0389975
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Mortgage Data
Review & Overview
New Carlisle Federal Savings Bank is a smaller bank specializing in Home Purchase loans. New Carlisle Federal Savings Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Springfield, Dayton, Urbana, Knoxville, and Bellefontaine among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)New Carlisle Federal Savings Bank 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.
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Originations
113Origination Dollar Volume (All Markets)
$23,885,000Top 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 |
|---|---|---|---|---|---|
| SPRINGFIELD, OH (FHA|USDA|VA) | 74 | $16,140,000 | $218,108 | $0 | 0.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 26 | $5,310,000 | $204,231 | $0 | 0.00% |
| Urbana, OH (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 0.00% |
| Celina, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $155,000 | $155,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against New Carlisle Federal Savings Bank 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 |
|---|---|---|---|---|---|
| Conventional | 112 | $23,740,000 | $211,964 | $0 | 0.00% |
| FHA | 1 | $145,000 | $145,000 | $0 | 0.00% |
For 2024, New Carlisle Federal Savings Bank's most frequently originated type of loan was Conventional, with 112 originations. Their 2nd most popular type was FHA, with 1 originations.
Loan Reason
For 2024, New Carlisle Federal Savings Bank's most frequently cited loan purpose was Home Purchase, with 80 originations. The 2nd most popular reason was Cash Out Refi, with 20 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 113 | $23,885,000 | $211,372 | $0 | 0.00% |
For 2024, New Carlisle Federal Savings Bank's most frequently cited loan duration was Other, with 113 originations.
Loan Sizing
2024 saw New Carlisle Federal Savings Bank place emphasis on $100k-200k loans with 43 originations, totaling $6,295,000 in origination value.
Applicant Income
New Carlisle Federal Savings Bank lent most frequently to those with incomes in the $150k-250k range, with 23 originations. The second most popular income band? $50k-75k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 113 | $23,885,000 | $211,372 | $0 | 0.00% |
New Carlisle Federal Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 113 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.59%
New Carlisle Federal Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination87.61%
New Carlisle Federal Savings Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 113 | $23,885,000 | $211,372 |