Bank Of York Mortgage Rates, Fees & Info
York, SCLEI: 5493003F21XWNPQFEE34
Tax ID: 57-0119680
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Mortgage Data
Review & Overview
Bank Of York is a smaller bank specializing in Refi and Home Purchase loans. Bank Of York has a high proportion of conventional loans. Their top (well, only) market is Charlotte.Bank Of York has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
44Origination Dollar Volume (All Markets)
$6,170,000Top 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 |
|---|---|---|---|---|---|
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 44 | $6,170,000 | $140,227 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 44 | $6,170,000 | $140,227 | $0 | 0.00% |
For 2023, Bank Of York's most frequently originated type of loan was Conventional, with 44 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 22 | $3,190,000 | $145,000 | $0 | 0.00% |
| Home Purchase | 14 | $2,060,000 | $147,143 | $0 | 0.00% |
| Other | 8 | $920,000 | $115,000 | $0 | 0.00% |
For 2023, Bank Of York's most frequently cited loan purpose was Refi, with 22 originations. The 2nd most popular reason was Home Purchase, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 44 | $6,170,000 | $140,227 | $0 | 0.00% |
For 2023, Bank Of York's most frequently cited loan duration was Other, with 44 originations.
Loan Sizing
2023 saw Bank Of York place emphasis on $100,000 or less loans with 21 originations, totaling $1,275,000 in origination value.
Applicant Income
Bank Of York lent most frequently to those with incomes in the $50k or less range, with 8 originations. The second most popular income band? $50k-75k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 44 | $6,170,000 | $140,227 | $0 | 0.00% |
Bank Of York lent most frequently to those with DTI ratios of Exempt%, with 44 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.45%
Bank Of York has an average approval rate.
Pick Rate
Approvals leading to origination93.18%
Bank Of York has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 44 | $6,170,000 | $140,227 |