Huntingdon Valley Bank Mortgage Rates, Fees & Info
Huntingdon Valley, PALEI: 549300G36820CW642I52
Tax ID: 23-0718025
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Mortgage Data
Review & Overview
Huntingdon Valley Bank is a smaller bank specializing in loans. Huntingdon Valley Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Ocean City, Dover, New York, and Salisbury among others. We have data for 27 markets. (Some data included below & more in-depth data is available with an active subscription.)Huntingdon Valley Bank 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. Huntingdon Valley Bank 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.79% | 3/30/23 |
| 30 Year Conventional Refi | 6.59% | 3/30/23 |
| 30 Year Cash-out Refi | 6.99% | 3/30/23 |
| 30 Year FHA Purchase | 7.54% | 3/30/23 |
| 30 Year FHA Refi | 6.84% | 3/30/23 |
| 30 Year VA Purchase | 6.47% | 3/30/23 |
| 30 Year VA Refi | 6.28% | 3/30/23 |
| 30 Year USDA Purchase | 6.69% | 3/30/23 |
| 15 Year Conventional Purchase | 5.93% | 3/30/23 |
| 15 Year Conventional Refi | 6.21% | 3/30/23 |
| 15 Year Cash-out Refi | 6.21% | 3/30/23 |
| 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
1,213Origination Dollar Volume (All Markets)
$389,935,000Awards
Huntingdon Valley Bank - 2022
Huntingdon Valley Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Huntingdon Valley Bank's average 30 year fixed mortgage rate was
5.03%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.27%.
Relative Fees (Closing Costs)
Huntingdon Valley Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,616.
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 |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1,065 | $331,635,000 | $311,394 | $7,411 | 4.99% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 28 | $14,790,000 | $528,214 | $7,231 | 4.87% |
| DOVER, DE (FHA|USDA|VA) | 44 | $13,090,000 | $297,500 | $9,788 | 5.09% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 17 | $7,655,000 | $450,294 | $10,255 | 4.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 12 | $5,890,000 | $490,833 | $9,808 | 4.76% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 9 | $4,835,000 | $537,222 | $10,951 | 5.21% |
| Outside of Metro Areas | 1 | $1,355,000 | $1,355,000 | $10,839 | 4.63% |
| Key West, FL (FHA|USDA|VA) | 1 | $1,225,000 | $1,225,000 | $0 | 4.95% |
| READING, PA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $9,999 | 4.84% |
| LANCASTER, PA (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $5,821 | 5.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $9,297 | 3.83% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $7,787 | 5.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $18,110 | 3.88% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,132 | 4.54% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,928 | 5.29% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $6,431 | 4.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,334 | 4.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,968 | 4.13% |
| Pottsville, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,629 | 3.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,400 | 5.12% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,518 | 4.25% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,665 | 3.63% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,387 | 5.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,000 | 3.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,409 | 6.13% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,216 | 4.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,101 | 5.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against Huntingdon Valley Bank 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 2022, Huntingdon Valley Bank's most frequently originated type of loan was Conventional, with 843 originations. Their 2nd most popular type was FHA, with 332 originations.
Loan Reason
For 2022, Huntingdon Valley Bank's most frequently cited loan purpose was Home Purchase, with 1,024 originations. The 2nd most popular reason was Cash Out Refi, with 95 originations.
Loan Duration/Length
For 2022, Huntingdon Valley Bank's most frequently cited loan duration was 30 Year, with 1,134 originations. The 2nd most popular length was 15 Year, with 27 originations.
Origination Fees/Closing Costs
Huntingdon Valley Bank's average total fees were $7,616, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 360 originations.
Interest Rates
During 2022, Huntingdon Valley Bank's average interest rate for loans was 5.03%, while their most frequently originated rate bucket for loans was 5-6%, with 387 originations.
Loan Sizing
2022 saw Huntingdon Valley Bank place emphasis on $200k-400k loans with 676 originations, totaling $192,420,000 in origination value.
Applicant Income
Huntingdon Valley Bank lent most frequently to those with incomes in the $50k-75k range, with 318 originations. The second most popular income band? $100k-150k, with 235 originations.
Applicant Debt to Income Ratio
Huntingdon Valley Bank lent most frequently to those with DTI ratios of 30-36%, with 167 originations. The next most common DTI ratio? 20-30%, with 127 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.92%
Huntingdon Valley Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.92%
Huntingdon Valley Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,213 | $389,935,000 | $321,463 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| HUNTINGTON NATIONAL BANK, THE | Conventional home mortgage | Struggling to pay mortgage | 1 | 50.0% |
| HUNTINGTON NATIONAL BANK, THE | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |