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 Home Purchase and Refi loans. Bond Street Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, Philadelphia, Trenton, Washington, and Chicago among others. We have data for 40 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 an above average pick rate when compared to similar lenders. Bond Street Mortgage is typically an average 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.70% | 4/21/24 |
| 30 Year Conventional Refi | 6.77% | 4/21/24 |
| 30 Year Cash-out Refi | 6.88% | 4/21/24 |
| 30 Year FHA Purchase | 7.28% | 4/21/24 |
| 30 Year FHA Refi | 7.21% | 4/21/24 |
| 30 Year VA Purchase | 6.41% | 4/21/24 |
| 15 Year Conventional Purchase | 6.28% | 4/21/24 |
| 15 Year Conventional Refi | 5.94% | 4/21/24 |
| 15 Year Cash-out Refi | 5.94% | 4/21/24 |
| 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. | ||
Bond Street Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,311Origination Dollar Volume (All Markets)
$470,765,000Awards
BOND STREET MORTGAGE - 2019
BOND STREET MORTGAGE is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 1,222 | $443,920,000 | $363,273 | $6,639 | 4.10% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 13 | $4,625,000 | $355,769 | $5,875 | 4.16% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 11 | $2,815,000 | $255,909 | $4,724 | 4.18% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $2,200,000 | $550,000 | $6,154 | 4.66% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $7,084 | 5.59% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $6,479 | 4.11% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $6,352 | 5.06% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $16,525 | 6.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $6,815 | 6.06% |
| Outside of Metro Areas | 3 | $765,000 | $255,000 | $5,275 | 4.71% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,462 | 4.88% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,663 | 5.38% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,069 | 4.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $13,699 | 4.63% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,575 | 3.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,416 | 6.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,511 | 4.06% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,211 | 3.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,585 | 3.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,106 | 3.75% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,845 | 4.43% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,604 | 5.87% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,448 | 5.43% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,656 | 6.63% |
| Torrington, CT (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,894 | 4.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,364 | 3.75% |
| READING, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,306 | 4.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,603 | 4.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,271 | 6.13% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,077 | 3.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,235 | 4.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,366 | 5.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,478 | 4.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,652 | 3.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,677 | 3.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,442 | 3.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,913 | 7.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,116 | 4.13% |
| Beeville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,055 | 4.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,624 | 8.75% |
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
For 2019, Bond Street Mortgage's most frequently originated type of loan was Conventional, with 986 originations. Their 2nd most popular type was FHA, with 268 originations.
Loan Reason
For 2019, Bond Street Mortgage's most frequently cited loan purpose was Home Purchase, with 942 originations. The 2nd most popular reason was Refi, with 357 originations.
Loan Duration/Length
For 2019, Bond Street Mortgage's most frequently cited loan duration was 30 Year, with 1,236 originations. The 2nd most popular length was 15 Year, with 46 originations.
Origination Fees/Closing Costs
Bond Street Mortgage's average total fees were $6,700, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,028 originations.
Interest Rates
During 2019, Bond Street Mortgage's average interest rate for loans was 4.17%, while their most frequently originated rate bucket for loans was 3-4%, with 730 originations.
Loan Sizing
2019 saw Bond Street Mortgage place emphasis on $200k-400k loans with 741 originations, totaling $226,055,000 in origination value.
Applicant Income
Bond Street Mortgage lent most frequently to those with incomes in the $100k-150k range, with 400 originations. The second most popular income band? $150k-250k, with 303 originations.
Applicant Debt to Income Ratio
Bond Street Mortgage lent most frequently to those with DTI ratios of 30-36%, with 203 originations. The next most common DTI ratio? 20-30%, with 188 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.32%
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 origination99.85%
Bond Street Mortgage has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,311 | $470,765,000 | $359,088 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,311 | $470,765,000 | $359,088 |