Bond Street Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 549300EL87GZMCVX0Q34
Tax ID: 26-4803398
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Mortgage Data
Review & Overview
Bond Street Mortgage is a smaller mortgage company specializing in loans. Bond Street Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: New York, Philadelphia, Trenton, Allentown, and Miami among others. We have data for 36 markets. (Some data included below & more in-depth data is available with an active subscription.)Bond Street Mortgage 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. Bond Street Mortgage is typically a high 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.70% | 3/27/23 |
| 30 Year Conventional Refi | 6.77% | 3/27/23 |
| 30 Year Cash-out Refi | 6.88% | 3/27/23 |
| 30 Year FHA Purchase | 7.28% | 3/27/23 |
| 30 Year FHA Refi | 7.21% | 3/27/23 |
| 30 Year VA Purchase | 6.41% | 3/27/23 |
| 15 Year Conventional Purchase | 6.28% | 3/27/23 |
| 15 Year Conventional Refi | 5.94% | 3/27/23 |
| 15 Year Cash-out Refi | 5.94% | 3/27/23 |
| 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. | ||
Originations
778Origination Dollar Volume (All Markets)
$315,470,000Awards
BOND STREET MORTGAGE - 2022
BOND STREET MORTGAGE is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Bond Street Mortgage's average 30 year fixed mortgage rate was
4.84%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.08%.
Relative Fees (Closing Costs)
Bond Street Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,539.
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 $4,750.
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 |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 649 | $274,455,000 | $422,889 | $9,725 | 4.74% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 30 | $10,470,000 | $349,000 | $8,395 | 4.96% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 16 | $5,450,000 | $340,625 | $6,178 | 5.40% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 15 | $4,435,000 | $295,667 | $10,588 | 5.22% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $2,370,000 | $296,250 | $9,263 | 5.01% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $2,145,000 | $429,000 | $8,512 | 5.20% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $9,421 | 5.12% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $8,523 | 4.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $5,227 | 3.96% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $10,061 | 6.35% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $7,738 | 5.19% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $10,614 | 5.18% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,122 | 4.87% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $8,905 | 4.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,416 | 5.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $6,136 | 5.81% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,368 | 5.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $9,928 | 5.37% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,960 | 4.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,883 | 5.69% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $20,543 | 5.13% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,513 | 6.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,792 | 6.62% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,042 | 4.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,762 | 6.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,913 | 3.87% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,118 | 6.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,411 | 4.75% |
| DOVER, DE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,950 | 5.25% |
| Outside of Metro Areas | 1 | $235,000 | $235,000 | $5,719 | 5.37% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,203 | 4.50% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,959 | 4.99% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,254 | 7.63% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,592 | 4.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,399 | 5.25% |
| READING, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,587 | 6.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against BOND STREET MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 654 | $262,360,000 | $401,162 | $8,045 | 4.81% |
| FHA | 110 | $47,460,000 | $431,455 | $17,280 | 4.83% |
| VA | 14 | $5,650,000 | $403,571 | $14,755 | 4.86% |
For 2022, Bond Street Mortgage's most frequently originated type of loan was Conventional, with 654 originations. Their 2nd most popular type was FHA, with 110 originations.
Loan Reason
For 2022, Bond Street Mortgage's most frequently cited loan purpose was Home Purchase, with 643 originations. The 2nd most popular reason was Refi, with 69 originations.
Loan Duration/Length
For 2022, Bond Street Mortgage's most frequently cited loan duration was 30 Year, with 760 originations. The 2nd most popular length was 15 Year, with 15 originations.
Origination Fees/Closing Costs
Bond Street Mortgage's average total fees were $9,539, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 329 originations.
Interest Rates
During 2022, Bond Street Mortgage's average interest rate for loans was 4.84%, while their most frequently originated rate bucket for loans was 5-6%, with 240 originations.
Loan Sizing
2022 saw Bond Street Mortgage place emphasis on $200k-400k loans with 352 originations, totaling $108,250,000 in origination value.
Applicant Income
Bond Street Mortgage lent most frequently to those with incomes in the $100k-150k range, with 251 originations. The second most popular income band? $150k-250k, with 185 originations.
Applicant Debt to Income Ratio
Bond Street Mortgage lent most frequently to those with DTI ratios of 30-36%, with 117 originations. The next most common DTI ratio? 20-30%, with 101 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.83%
Bond Street Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination55.27%
Bond Street Mortgage 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 |
|---|---|---|---|
| NA | 778 | $315,470,000 | $405,488 |