Orange Bank &trust Company Mortgage Rates, Fees & InfoMiddletown, NY
Tax ID: 14-0945678
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewOrange Bank &trust Company is a smaller bank specializing in Refi and Home Purchase loans. Orange Bank &trust Company has a high proportion of conventional loans. Their top markets by origination volume include: New York, Poughkeepsie, Bridgeport, New Haven, and Kingston among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)
Orange Bank &trust Company has an 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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Origination Dollar Volume (All Markets)$61,970,000
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|
|New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA)||26||$43,430,000||$1,670,385||$0||0.00%|
|POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA)||21||$10,025,000||$477,381||$0||0.00%|
|Outside of Metro Areas||3||$3,885,000||$1,295,000||$0||0.00%|
|BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA)||3||$2,215,000||$738,333||$0||0.00%|
|NEW HAVEN-MILFORD, CT (FHA|USDA|VA)||1||$1,275,000||$1,275,000||$0||0.00%|
|KINGSTON, NY (FHA|USDA|VA)||2||$1,140,000||$570,000||$0||0.00%|
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Orange Bank &trust Company's most frequently originated type of loan was Conventional, with 56 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||3||$8,145,000||$2,715,000||$0||0.00%|
For 2022, Orange Bank &trust Company's most frequently cited loan purpose was Refi, with 31 originations. The 2nd most popular reason was Home Purchase, with 18 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, Orange Bank &trust Company's most frequently cited loan duration was Other, with 56 originations.
2022 saw Orange Bank &trust Company place emphasis on $600k-1MM loans with 15 originations, totaling $11,425,000 in origination value.
|Applicant Income||Originations||Total Value||Average Loan||Average Fees||Average Rate|
Orange Bank &trust Company lent most frequently to those with incomes in the $250k+ range, with 11 originations. The second most popular income band? $75k-100k, with 6 originations.
Applicant Debt to Income Ratio
|DTI Ratio||Originations||Total Value||Average Loan||Average Fees||Average Rate|
Orange Bank &trust Company lent most frequently to those with DTI ratios of Exempt%, with 56 originations.
|Applicant Ethnicity||Originations||Total Value||Average Loan||Average Fees||Average Rate|
Approval RatesTotal approvals of all applications
Orange Bank &trust Company has an average approval rate.
Pick RateApprovals leading to origination
Orange Bank &trust Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
|Points||Originations||Total Value||Average Loan|