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. Their top markets by origination volume include: New York, Philadelphia, Trenton, Poughkeepsie, and Miami among others. We have data for 46 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 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.
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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
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,828Origination Dollar Volume (All Markets)
$712,270,000Awards
BOND STREET MORTGAGE - 2021
BOND STREET MORTGAGE is a 2021 , due to their low .
For 2021, 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) | 1,668 | $665,510,000 | $398,987 | $5,985 | 3.01% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 35 | $8,825,000 | $252,143 | $5,840 | 3.04% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 24 | $8,020,000 | $334,167 | $5,028 | 2.88% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 11 | $3,755,000 | $341,364 | $6,875 | 3.17% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $3,450,000 | $345,000 | $5,197 | 3.12% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 11 | $2,845,000 | $258,636 | $5,583 | 3.14% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,925,000 | $641,667 | $7,721 | 2.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $4,938 | 2.85% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $4,231 | 3.42% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $4,866 | 2.97% |
| Outside of Metro Areas | 4 | $1,100,000 | $275,000 | $7,942 | 3.37% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $4,291 | 3.33% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $5,348 | 3.18% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $4,071 | 2.95% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,849 | 2.69% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $5,924 | 2.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,944 | 3.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,729 | 3.19% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,714 | 3.50% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,846 | 2.63% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,456 | 2.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,325 | 3.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,738 | 3.25% |
| GLENS FALLS, NY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,265 | 2.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,253 | 4.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,975 | 3.38% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,036 | 2.88% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,109 | 4.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,992 | 2.87% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,747 | 2.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,061 | 2.62% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,912 | 3.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,624 | 2.88% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,016 | 3.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,892 | 2.99% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,649 | 3.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,122 | 3.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,698 | 3.63% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,754 | 3.38% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,992 | 2.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,436 | 3.12% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,595 | 3.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,871 | 2.99% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,217 | 2.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,011 | 3.50% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,324 | 4.13% |
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Product Mix
For 2021, Bond Street Mortgage's most frequently originated type of loan was Conventional, with 1,642 originations. Their 2nd most popular type was FHA, with 159 originations.
Loan Reason
For 2021, Bond Street Mortgage's most frequently cited loan purpose was Home Purchase, with 932 originations. The 2nd most popular reason was Refi, with 850 originations.
Loan Duration/Length
For 2021, Bond Street Mortgage's most frequently cited loan duration was 30 Year, with 1,635 originations. The 2nd most popular length was 15 Year, with 108 originations.
Origination Fees/Closing Costs
Bond Street Mortgage's average total fees were $6,124, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,519 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 879 | $354,495,000 | $403,294 |
| 3-4% | 727 | $277,135,000 | $381,204 |
| <2.5% | 197 | $72,705,000 | $369,061 |
| 4-5% | 25 | $7,935,000 | $317,400 |
During 2021, Bond Street Mortgage's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 879 originations.
Loan Sizing
2021 saw Bond Street Mortgage place emphasis on $200k-400k loans with 882 originations, totaling $266,980,000 in origination value.
Applicant Income
Bond Street Mortgage lent most frequently to those with incomes in the $100k-150k range, with 568 originations. The second most popular income band? $150k-250k, with 450 originations.
Applicant Debt to Income Ratio
Bond Street Mortgage lent most frequently to those with DTI ratios of 20-30%, with 369 originations. The next most common DTI ratio? 30-36%, with 317 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.09%
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 origination73.80%
Bond Street Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,828 | $712,270,000 | $389,644 |