Elizabethton Federal Savings Bank Mortgage Rates, Fees & Info

Elizabethton, TN

LEI: 549300IUMIMR7KEN9Z07

Tax ID: 62-0192666

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Elizabethton Federal Savings Bank is a smaller bank specializing in Home Purchase loans. Elizabethton Federal Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: Johnson City, Kingsport, and Greeneville among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Elizabethton Federal Savings 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.

    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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    Originations

    84

    Origination Dollar Volume (All Markets)

    $19,630,000

    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
    JOHNSON CITY, TN (FHA|USDA|VA) 67 $13,765,000 $205,448 $0 0.00%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 11 $4,315,000 $392,273 $0 0.00%
    Greeneville, TN (FHA|USDA|VA) 2 $980,000 $490,000 $0 0.00%
    Outside of Metro Areas 4 $570,000 $142,500 $0 0.00%
    Elizabethton Federal Savings Bank's top markets include Johnson City, Kingsport, and Greeneville among others.

    Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 84 $19,630,000 $233,690 $0 0.00%

    For 2023, Elizabethton Federal Savings Bank's most frequently originated type of loan was Conventional, with 84 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 47 $15,825,000 $336,702 $0 0.00%
    Other 21 $2,635,000 $125,476 $0 0.00%
    Home Improvement 8 $370,000 $46,250 $0 0.00%
    Refi 8 $800,000 $100,000 $0 0.00%

    For 2023, Elizabethton Federal Savings Bank's most frequently cited loan purpose was Home Purchase, with 47 originations. The 2nd most popular reason was Other, with 21 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 84 $19,630,000 $233,690 $0 0.00%

    For 2023, Elizabethton Federal Savings Bank's most frequently cited loan duration was Other, with 84 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 26 $1,340,000 $51,538 $0 0.00%
    $100k-200k 23 $3,185,000 $138,478 $0 0.00%
    $200k-400k 18 $5,580,000 $310,000 $0 0.00%
    $400k-600k 13 $6,345,000 $488,077 $0 0.00%
    $600k-1MM 3 $2,175,000 $725,000 $0 0.00%
    $1MM+ 1 $1,005,000 $1,005,000 $0 0.00%

    2023 saw Elizabethton Federal Savings Bank place emphasis on $100,000 or less loans with 26 originations, totaling $1,340,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 24 $4,890,000 $203,750 $0 0.00%
    $150k-250k 14 $6,600,000 $471,429 $0 0.00%
    $50k-75k 14 $1,910,000 $136,429 $0 0.00%
    $75k-100k 13 $2,645,000 $203,462 $0 0.00%
    $50k or less 12 $1,300,000 $108,333 $0 0.00%
    $250k+ 5 $1,725,000 $345,000 $0 0.00%

    Elizabethton Federal Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 24 originations. The second most popular income band? $150k-250k, with 14 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 84 $19,630,000 $233,690 $0 0.00%

    Elizabethton Federal Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 84 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 81 $18,605,000 $229,691 $0 0.00%
    Not applicable 2 $560,000 $280,000 $0 0.00%
    Asian 1 $465,000 $465,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.68%

    Elizabethton Federal Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    94.05%

    Elizabethton Federal Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 84 $19,630,000 $233,690

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    84 $19,630,000 $233,690