Hancock County Savings Bank Fsb Mortgage Rates, Fees & Info
CHESTER, WVLEI: 549300C6CUP19I9O0770
Tax ID: 55-0188195
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Mortgage Data
Review & Overview
Hancock County Savings Bank Fsb is a smaller bank specializing in Home Purchase loans. Hancock County Savings Bank Fsb has a high proportion of conventional loans. Their top markets by origination volume include: Weirton, Salem, Pittsburgh, and Wheeling among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Hancock County Savings Bank Fsb 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. Hancock County Savings Bank Fsb 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 relatively high 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) | 4.70% | 4/18/24 |
| 30 Year Conventional Purchase | 6.07% | 4/18/24 |
| 30 Year Conventional Refi | 5.99% | 4/18/24 |
| 15 Year Conventional Purchase | 5.42% | 4/18/24 |
| 15 Year Conventional Refi | 5.45% | 4/18/24 |
| 15 Year Cash-out Refi | 5.45% | 4/18/24 |
| 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. | ||
Hancock County Savings Bank Fsb Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
498Origination Dollar Volume (All Markets)
$47,880,000Awards
HANCOCK COUNTY SAVINGS BANK FSB - 2023
HANCOCK COUNTY SAVINGS BANK FSB is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Hancock County Savings Bank Fsb's average 30 year fixed mortgage rate was
6.37%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.11%.
Relative Fees (Closing Costs)
Hancock County Savings Bank Fsb's average total fees/closing costs for a 30 year fixed rate
mortgage were $2,135.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 339 | $31,325,000 | $92,404 | $1,749 | 5.88% |
| Salem, OH (FHA|USDA|VA) | 124 | $13,340,000 | $107,581 | $1,720 | 5.71% |
| PITTSBURGH, PA (FHA|USDA|VA) | 29 | $2,825,000 | $97,414 | $2,734 | 5.09% |
| WHEELING, WV-OH (FHA|USDA|VA) | 6 | $390,000 | $65,000 | $679 | 5.46% |
Similar Lenders
We use machine learning to identify the top lenders compared against HANCOCK COUNTY SAVINGS BANK FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 24
Similarity Rank: 77
Similarity Rank: 102
Similarity Rank: 152
Similarity Rank: 300
Similarity Rank: 384
Similarity Rank: 510
Similarity Rank: 570
Similarity Rank: 572
Similarity Rank: 572
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 373 | $39,855,000 | $106,850 | $1,784 | 6.64% |
| HELOC | 125 | $8,025,000 | $64,200 | n/a | 3.25% |
For 2023, Hancock County Savings Bank Fsb's most frequently originated type of loan was Conventional, with 373 originations. Their 2nd most popular type was HELOC, with 125 originations.
Loan Reason
For 2023, Hancock County Savings Bank Fsb's most frequently cited loan purpose was Home Purchase, with 249 originations. The 2nd most popular reason was Home Improvement, with 109 originations.
Loan Duration/Length
For 2023, Hancock County Savings Bank Fsb's most frequently cited loan duration was 30 Year, with 224 originations. The 2nd most popular length was 20 Year, with 178 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 324 | $36,030,000 | $111,204 |
Hancock County Savings Bank Fsb's average total fees were $2,135, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 324 originations.
Interest Rates
During 2023, Hancock County Savings Bank Fsb's average interest rate for loans was 6.37%, while their most frequently originated rate bucket for loans was 6-7%, with 188 originations.
Loan Sizing
2023 saw Hancock County Savings Bank Fsb place emphasis on $100,000 or less loans with 337 originations, totaling $18,365,000 in origination value.
Applicant Income
Hancock County Savings Bank Fsb lent most frequently to those with incomes in the $50k-75k range, with 115 originations. The second most popular income band? $100k-150k, with 110 originations.
Applicant Debt to Income Ratio
Hancock County Savings Bank Fsb lent most frequently to those with DTI ratios of 20-30%, with 147 originations. The next most common DTI ratio? 30-36%, with 117 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.72%
Hancock County Savings Bank Fsb has an average approval rate.
Pick Rate
Approvals leading to origination86.95%
Hancock County Savings Bank Fsb has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1032.39 | 1 | $55,000 | $55,000 |
| 1044.69 | 1 | $95,000 | $95,000 |
| 1099.57 | 1 | $125,000 | $125,000 |
| 1102.94 | 1 | $55,000 | $55,000 |
| 1103.82 | 1 | $35,000 | $35,000 |
| 1142.53 | 1 | $185,000 | $185,000 |
| 1198.57 | 1 | $205,000 | $205,000 |
| 1214.78 | 1 | $55,000 | $55,000 |
| 1243.28 | 1 | $205,000 | $205,000 |
| 1309.39 | 1 | $145,000 | $145,000 |
| 1322.98 | 1 | $75,000 | $75,000 |
| 1560.44 | 1 | $125,000 | $125,000 |
| 218.88 | 1 | $425,000 | $425,000 |
| 247.39 | 1 | $25,000 | $25,000 |
| 273.28 | 1 | $15,000 | $15,000 |
| 52.0 | 1 | $25,000 | $25,000 |
| 53.0 | 1 | $75,000 | $75,000 |
| 553.0 | 1 | $35,000 | $35,000 |
| 568.28 | 1 | $65,000 | $65,000 |
| 569.28 | 1 | $35,000 | $35,000 |
| 569.57 | 1 | $35,000 | $35,000 |
| 585.57 | 2 | $120,000 | $60,000 |
| 594.28 | 1 | $55,000 | $55,000 |
| 594.57 | 2 | $280,000 | $140,000 |
| 597.39 | 1 | $45,000 | $45,000 |
| 610.57 | 4 | $200,000 | $50,000 |
| 618.28 | 2 | $110,000 | $55,000 |
| 619.28 | 3 | $115,000 | $38,333 |
| 619.69 | 1 | $25,000 | $25,000 |
| 622.28 | 1 | $45,000 | $45,000 |
| 628.28 | 1 | $45,000 | $45,000 |
| 629.69 | 1 | $55,000 | $55,000 |
| 634.28 | 1 | $35,000 | $35,000 |
| 634.57 | 1 | $15,000 | $15,000 |
| 635.57 | 2 | $130,000 | $65,000 |
| 644.28 | 1 | $45,000 | $45,000 |
| 644.57 | 2 | $100,000 | $50,000 |
| 650.57 | 1 | $35,000 | $35,000 |
| 668.28 | 1 | $55,000 | $55,000 |
| 685.44 | 1 | $35,000 | $35,000 |
| 685.57 | 1 | $35,000 | $35,000 |
| 693.28 | 1 | $55,000 | $55,000 |
| 697.39 | 1 | $85,000 | $85,000 |
| 703.28 | 1 | $35,000 | $35,000 |
| 704.69 | 1 | $15,000 | $15,000 |
| 715.85 | 1 | $35,000 | $35,000 |
| 718.28 | 1 | $25,000 | $25,000 |
| 719.57 | 1 | $35,000 | $35,000 |
| 719.69 | 1 | $15,000 | $15,000 |
| 724.89 | 1 | $35,000 | $35,000 |
| 726.94 | 1 | $55,000 | $55,000 |
| 729.6 | 1 | $35,000 | $35,000 |
| 730.69 | 1 | $45,000 | $45,000 |
| 734.69 | 1 | $35,000 | $35,000 |
| 738.28 | 1 | $25,000 | $25,000 |
| 740.28 | 1 | $55,000 | $55,000 |
| 742.39 | 1 | $65,000 | $65,000 |
| 743.28 | 3 | $165,000 | $55,000 |
| 748.39 | 1 | $45,000 | $45,000 |
| 752.32 | 1 | $35,000 | $35,000 |
| 753.28 | 1 | $55,000 | $55,000 |
| 754.57 | 2 | $110,000 | $55,000 |
| 763.28 | 1 | $45,000 | $45,000 |
| 766.57 | 1 | $45,000 | $45,000 |
| 768.28 | 2 | $140,000 | $70,000 |
| 769.57 | 1 | $45,000 | $45,000 |
| 778.66 | 1 | $45,000 | $45,000 |
| 794.57 | 1 | $15,000 | $15,000 |
| 803.53 | 1 | $25,000 | $25,000 |
| 805.57 | 1 | $85,000 | $85,000 |
| 812.44 | 1 | $75,000 | $75,000 |
| 819.57 | 3 | $195,000 | $65,000 |
| 819.69 | 1 | $75,000 | $75,000 |
| 824.89 | 1 | $75,000 | $75,000 |
| 830.14 | 1 | $65,000 | $65,000 |
| 832.19 | 1 | $45,000 | $45,000 |
| 836.03 | 1 | $125,000 | $125,000 |
| 847.32 | 1 | $75,000 | $75,000 |
| 847.39 | 1 | $45,000 | $45,000 |
| 851.28 | 1 | $35,000 | $35,000 |
| 852.64 | 1 | $145,000 | $145,000 |
| 853.57 | 1 | $95,000 | $95,000 |
| 855.78 | 1 | $75,000 | $75,000 |
| 857.71 | 1 | $35,000 | $35,000 |
| 862.39 | 1 | $15,000 | $15,000 |
| 865.35 | 1 | $25,000 | $25,000 |
| 87.0 | 3 | $115,000 | $38,333 |
| 873.78 | 1 | $45,000 | $45,000 |
| 874.57 | 1 | $55,000 | $55,000 |
| 879.57 | 1 | $105,000 | $105,000 |
| 884.39 | 1 | $85,000 | $85,000 |
| 894.57 | 1 | $55,000 | $55,000 |
| 917.82 | 1 | $105,000 | $105,000 |
| 923.28 | 1 | $65,000 | $65,000 |
| 929.57 | 1 | $95,000 | $95,000 |
| 930.78 | 1 | $55,000 | $55,000 |
| 949.57 | 1 | $105,000 | $105,000 |
| 956.28 | 1 | $95,000 | $95,000 |
| 972.39 | 1 | $75,000 | $75,000 |
| 983.28 | 1 | $85,000 | $85,000 |
| 983.57 | 1 | $125,000 | $125,000 |
| 992.82 | 1 | $55,000 | $55,000 |
| 999.57 | 1 | $85,000 | $85,000 |
| NA | 377 | $40,095,000 | $106,353 |