Countybank Mortgage Rates, Fees & Info
Greenwood, SCLEI: 549300III1DMY3SLAW56
Tax ID: 57-0147610
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Mortgage Data
Review & Overview
Countybank is a smaller bank specializing in Home Purchase loans. Countybank 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: Greenville, Knoxville, Greenwood, Spartanburg, and Seneca among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)Countybank 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. Countybank is typically a low 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 | 6.92% | 4/5/25 |
| 30 Year Conventional Refi | 6.60% | 4/5/25 |
| 30 Year Cash-out Refi | 7.05% | 4/5/25 |
| 30 Year FHA Purchase | 7.34% | 4/5/25 |
| 30 Year FHA Refi | 7.06% | 4/5/25 |
| 30 Year VA Purchase | 6.47% | 4/5/25 |
| 30 Year VA Refi | 6.39% | 4/5/25 |
| 30 Year USDA Purchase | 6.95% | 4/5/25 |
| 15 Year Conventional Purchase | 6.22% | 4/5/25 |
| 15 Year Conventional Refi | 6.63% | 4/5/25 |
| 15 Year Cash-out Refi | 6.63% | 4/5/25 |
| 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. | ||
Countybank Mortgage Calculator
Your Estimates
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This is not an official calculator from Countybank. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
557Origination Dollar Volume (All Markets)
$174,865,000Awards
Countybank - 2024
Countybank is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Countybank's average 30 year fixed mortgage rate was
6.72%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.17%.
Relative Fees (Closing Costs)
Countybank's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,388.
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 $8,356.
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 |
|---|---|---|---|---|---|
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 271 | $80,835,000 | $298,284 | $5,606 | 6.64% |
| KNOXVILLE, TN (FHA|USDA|VA) | 123 | $45,895,000 | $373,130 | $5,078 | 6.74% |
| Greenwood, SC (FHA|USDA|VA) | 41 | $9,875,000 | $240,854 | $4,853 | 7.15% |
| SPARTANBURG, SC (FHA|USDA|VA) | 33 | $9,265,000 | $280,758 | $5,615 | 6.75% |
| Seneca, SC (FHA|USDA|VA) | 10 | $2,930,000 | $293,000 | $5,919 | 6.85% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $3,205 | 6.73% |
| Sevierville, TN (FHA|USDA|VA) | 6 | $2,390,000 | $398,333 | $4,358 | 7.06% |
| Outside of Metro Areas | 10 | $2,290,000 | $229,000 | $5,352 | 6.99% |
| MORRISTOWN, TN (FHA|USDA|VA) | 5 | $1,495,000 | $299,000 | $5,145 | 6.92% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,445,000 | $481,667 | $5,116 | 7.04% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $6,515 | 7.25% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $4,055 | 6.66% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $4,811 | 6.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $4,205 | 6.85% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $6,942 | 7.63% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $10,087 | 6.12% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $3,855 | 7.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,296 | 6.54% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $4,967 | 6.63% |
| Palatka, FL (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,058 | 5.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $18,331 | 6.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $15,880 | 5.75% |
| Georgetown, SC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,918 | 6.68% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 7.50% |
| Newport, TN (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $9,044 | 6.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,454 | 6.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,708 | 6.50% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 7.63% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,794 | 5.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,040 | 5.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,313 | 6.38% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,174 | 6.38% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,027 | 5.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,734 | 6.99% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 8.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,880 | 5.99% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,651 | 6.88% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,314 | 5.99% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,596 | 8.13% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,135 | 7.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,163 | 7.38% |
| Newberry, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,038 | 6.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Countybank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 50
Similarity Rank: 120
Similarity Rank: 126
Similarity Rank: 144
Similarity Rank: 230
Similarity Rank: 249
Similarity Rank: 264
Similarity Rank: 304
Similarity Rank: 385
Similarity Rank: 390
Product Mix
For 2024, Countybank's most frequently originated type of loan was Conventional, with 449 originations. Their 2nd most popular type was FHA, with 68 originations.
Loan Reason
For 2024, Countybank's most frequently cited loan purpose was Home Purchase, with 441 originations. The 2nd most popular reason was Cash Out Refi, with 52 originations.
Loan Duration/Length
For 2024, Countybank's most frequently cited loan duration was 30 Year, with 484 originations. The 2nd most popular length was 15 Year, with 30 originations.
Origination Fees/Closing Costs
Countybank's average total fees were $5,388, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 359 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 372 | $119,200,000 | $320,430 |
| 7-8% | 120 | $35,970,000 | $299,750 |
| 5-6% | 55 | $16,875,000 | $306,818 |
| Over 8% | 8 | $1,960,000 | $245,000 |
| 4-5% | 2 | $860,000 | $430,000 |
During 2024, Countybank's average interest rate for loans was 6.72%, while their most frequently originated rate bucket for loans was 6-7%, with 372 originations.
Loan Sizing
2024 saw Countybank place emphasis on $200k-400k loans with 247 originations, totaling $70,875,000 in origination value.
Applicant Income
Countybank lent most frequently to those with incomes in the $100k-150k range, with 115 originations. The second most popular income band? $150k-250k, with 104 originations.
Applicant Debt to Income Ratio
Countybank lent most frequently to those with DTI ratios of 30-36%, with 112 originations. The next most common DTI ratio? 20-30%, with 106 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.27%
Countybank has an average approval rate.
Pick Rate
Approvals leading to origination72.89%
Countybank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 557 | $174,865,000 | $313,941 |