New Carlisle Federal Savings Bank Mortgage Rates, Fees & Info

New Carlisle, OH

LEI: 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. Their top markets by origination volume include: Springfield, Dayton, North Port, Knoxville, and Greenville 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

139

Origination Dollar Volume (All Markets)

$30,415,000

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
SPRINGFIELD, OH (FHA|USDA|VA) 82 $15,570,000 $189,878 $0 0.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 46 $8,890,000 $193,261 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $4,250,000 $2,125,000 $0 0.00%
KNOXVILLE, TN (FHA|USDA|VA) 1 $555,000 $555,000 $0 0.00%
Greenville, OH (FHA|USDA|VA) 2 $320,000 $160,000 $0 0.00%
Urbana, OH (FHA|USDA|VA) 3 $285,000 $95,000 $0 0.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
COLUMBUS, OH (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
Outside of Metro Areas 1 $105,000 $105,000 $0 0.00%
New Carlisle Federal Savings Bank's top markets include Springfield, Dayton, North Port, Knoxville, and Greenville among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • 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.

    LCNB National Bank
    Similarity Rank: 135
    Minster Bank
    Similarity Rank: 324
    Day Air Credit Union, Inc
    Similarity Rank: 391
    1st National Bank
    Similarity Rank: 456
    The Old Fort Banking Company
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    GENERAL ELECTRIC CREDIT UNION
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    Civista Bank
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    VICTORY MORTGAGE, L.L.C.
    Similarity Rank: 1260
    MYCUMORTGAGE, LLC
    Similarity Rank: 1748

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 139 $30,415,000 $218,813 $0 0.00%

    For 2023, New Carlisle Federal Savings Bank's most frequently originated type of loan was Conventional, with 139 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 98 $24,520,000 $250,204 $0 0.00%
    Cash Out Refi 28 $3,930,000 $140,357 $0 0.00%
    Refi 6 $1,480,000 $246,667 $0 0.00%
    Other 5 $295,000 $59,000 $0 0.00%
    Home Improvement 2 $190,000 $95,000 $0 0.00%

    For 2023, New Carlisle Federal Savings Bank's most frequently cited loan purpose was Home Purchase, with 98 originations. The 2nd most popular reason was Cash Out Refi, with 28 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 139 $30,415,000 $218,813 $0 0.00%

    For 2023, New Carlisle Federal Savings Bank's most frequently cited loan duration was Other, with 139 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 49 $6,835,000 $139,490 $0 0.00%
    $100,000 or less 41 $2,595,000 $63,293 $0 0.00%
    $200k-400k 33 $8,785,000 $266,212 $0 0.00%
    $400k-600k 10 $4,920,000 $492,000 $0 0.00%
    $600k-1MM 5 $3,525,000 $705,000 $0 0.00%
    $1MM+ 1 $3,755,000 $3,755,000 $0 0.00%

    2023 saw New Carlisle Federal Savings Bank place emphasis on $100k-200k loans with 49 originations, totaling $6,835,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 25 $3,385,000 $135,400 $0 0.00%
    $100k-150k 21 $3,485,000 $165,952 $0 0.00%
    $75k-100k 18 $3,440,000 $191,111 $0 0.00%
    $150k-250k 17 $4,725,000 $277,941 $0 0.00%
    $50k or less 16 $1,450,000 $90,625 $0 0.00%
    $250k+ 10 $4,370,000 $437,000 $0 0.00%

    New Carlisle Federal Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 25 originations. The second most popular income band? $100k-150k, with 21 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 139 $30,415,000 $218,813 $0 0.00%

    New Carlisle Federal Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 139 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 103 $19,805,000 $192,282 $0 0.00%
    Not applicable 32 $9,560,000 $298,750 $0 0.00%
    Not provided 1 $535,000 $535,000 $0 0.00%
    Black 2 $410,000 $205,000 $0 0.00%
    Asian 1 $105,000 $105,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.46%

    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 origination
    87.77%

    New Carlisle Federal Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 139 $30,415,000 $218,813

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    139 $30,415,000 $218,813