Sis Bancorp Mhc Mortgage Rates, Fees & Info
SANFORD, MELEI: 549300DK2AEMKCO4JZ92
Tax ID: 01-0154810
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Mortgage Data
Review & Overview
Sis Bancorp Mhc is a smaller mortgage company specializing in Home Purchase loans. Sis Bancorp Mhc has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Portland, Boston, Manchester, Lewiston, and Concord among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)Sis Bancorp Mhc 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.
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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.03% | 4/17/25 |
| 30 Year Conventional Purchase | 7.75% | 4/17/25 |
| 30 Year Conventional Refi | 6.94% | 4/17/25 |
| 30 Year Cash-out Refi | 7.02% | 4/17/25 |
| 30 Year USDA Purchase | 6.35% | 4/17/25 |
| 15 Year Conventional Purchase | 9.34% | 4/17/25 |
| 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. | ||
Sis Bancorp Mhc Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
540Origination Dollar Volume (All Markets)
$210,110,000Top 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 |
|---|---|---|---|---|---|
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 309 | $106,495,000 | $344,644 | $0 | 0.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 98 | $58,600,000 | $597,959 | $0 | 0.00% |
| Outside of Metro Areas | 68 | $26,100,000 | $383,824 | $0 | 0.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 13 | $4,715,000 | $362,692 | $0 | 0.00% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 11 | $3,705,000 | $336,818 | $0 | 0.00% |
| Concord, NH (FHA|USDA|VA) | 15 | $3,455,000 | $230,333 | $0 | 0.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 10 | $2,570,000 | $257,000 | $0 | 0.00% |
| Laconia, NH (FHA|USDA|VA) | 4 | $2,000,000 | $500,000 | $0 | 0.00% |
| Lebanon, NH-VT (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $0 | 0.00% |
| BANGOR, ME (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 0.00% |
| Berlin, NH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Sayre, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against SIS BANCORP MHC based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 50
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 537 | $209,385,000 | $389,916 | $0 | 0.00% |
| USDA | 2 | $500,000 | $250,000 | $0 | 0.00% |
| VA | 1 | $225,000 | $225,000 | $0 | 0.00% |
For 2022, Sis Bancorp Mhc's most frequently originated type of loan was Conventional, with 537 originations. Their 2nd most popular type was USDA, with 2 originations.
Loan Reason
For 2022, Sis Bancorp Mhc's most frequently cited loan purpose was Home Purchase, with 341 originations. The 2nd most popular reason was Other, with 81 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 540 | $210,110,000 | $389,093 | $0 | 0.00% |
For 2022, Sis Bancorp Mhc's most frequently cited loan duration was Other, with 540 originations.
Loan Sizing
2022 saw Sis Bancorp Mhc place emphasis on $200k-400k loans with 169 originations, totaling $48,245,000 in origination value.
Applicant Income
Sis Bancorp Mhc lent most frequently to those with incomes in the $150k-250k range, with 134 originations. The second most popular income band? $250k+, with 113 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 540 | $210,110,000 | $389,093 | $0 | 0.00% |
Sis Bancorp Mhc lent most frequently to those with DTI ratios of Exempt%, with 540 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.60%
Sis Bancorp Mhc has an average approval rate.
Pick Rate
Approvals leading to origination85.74%
Sis Bancorp Mhc has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 540 | $210,110,000 | $389,093 |