First Federal Savings And Loan Association Of Greene Co Mortgage Rates, Fees & Info
Waynesburg, PALEI: 549300OVA1LT74LITG21
Tax ID: 25-0523055
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Mortgage Data
Review & Overview
First Federal Savings And Loan Association Of Greene Co is a smaller mortgage company specializing in Home Purchase loans. First Federal Savings And Loan Association Of Greene Co has a high proportion of conventional 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: Pittsburgh, Morgantown, Clarksburg, Fairmont, and Somerset among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)First Federal Savings And Loan Association Of Greene Co 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. First Federal Savings And Loan Association Of Greene Co 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 relatively high 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 | 5.73% | 12/7/24 |
30 Year Conventional Refi | 5.51% | 12/7/24 |
30 Year VA Purchase | 5.88% | 12/7/24 |
15 Year Conventional Purchase | 5.24% | 12/7/24 |
15 Year Conventional Refi | 5.15% | 12/7/24 |
15 Year Cash-out Refi | 5.15% | 12/7/24 |
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. |
First Federal Savings And Loan Association Of Greene Co Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
459Origination Dollar Volume (All Markets)
$61,545,000First Federal Savings and Loan Association of Greene Co - 2023
First Federal Savings and Loan Association of Greene Co is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
First Federal Savings And Loan Association Of Greene Co's average 30 year fixed mortgage rate was
6.23%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.25%.
Relative Fees (Closing Costs)
First Federal Savings And Loan Association Of Greene Co's average total fees/closing costs for a 30 year fixed rate
mortgage were $2,912.
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 $9,089.
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 |
---|---|---|---|---|---|
PITTSBURGH, PA (FHA|USDA|VA) | 239 | $31,345,000 | $131,151 | $2,224 | 6.07% |
Outside of Metro Areas | 118 | $13,430,000 | $113,814 | $1,969 | 6.06% |
MORGANTOWN, WV (FHA|USDA|VA) | 60 | $9,930,000 | $165,500 | $2,683 | 6.03% |
Clarksburg, WV (FHA|USDA|VA) | 23 | $4,115,000 | $178,913 | $3,459 | 6.04% |
Fairmont, WV (FHA|USDA|VA) | 17 | $2,565,000 | $150,882 | $2,855 | 5.94% |
Somerset, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,309 | 6.00% |
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,533 | 5.60% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against First Federal Savings and Loan Association of Greene Co 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
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 448 | $61,170,000 | $136,540 | $2,343 | 6.05% |
FHA | 10 | $210,000 | $21,000 | $378 | 6.17% |
VA | 1 | $165,000 | $165,000 | $4,672 | 6.70% |
For 2023, First Federal Savings And Loan Association Of Greene Co's most frequently originated type of loan was Conventional, with 448 originations. Their 2nd most popular type was FHA, with 10 originations.
Loan Reason
For 2023, First Federal Savings And Loan Association Of Greene Co's most frequently cited loan purpose was Home Purchase, with 218 originations. The 2nd most popular reason was Home Improvement, with 104 originations.
Loan Duration/Length
For 2023, First Federal Savings And Loan Association Of Greene Co's most frequently cited loan duration was 15 Year, with 181 originations. The 2nd most popular length was 30 Year, with 143 originations.
Origination Fees/Closing Costs
First Federal Savings And Loan Association Of Greene Co's average total fees were $2,912, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 384 originations.
Interest Rates
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
5-6% | 250 | $29,250,000 | $117,000 |
6-7% | 202 | $31,510,000 | $155,990 |
7-8% | 7 | $785,000 | $112,143 |
During 2023, First Federal Savings And Loan Association Of Greene Co's average interest rate for loans was 6.23%, while their most frequently originated rate bucket for loans was 5-6%, with 250 originations.
Loan Sizing
2023 saw First Federal Savings And Loan Association Of Greene Co place emphasis on $100,000 or less loans with 241 originations, totaling $12,545,000 in origination value.
Applicant Income
First Federal Savings And Loan Association Of Greene Co lent most frequently to those with incomes in the $100k-150k range, with 116 originations. The second most popular income band? $50k-75k, with 102 originations.
Applicant Debt to Income Ratio
First Federal Savings And Loan Association Of Greene Co lent most frequently to those with DTI ratios of 20-30%, with 167 originations. The next most common DTI ratio? 30-36%, with 117 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.16%
First Federal Savings And Loan Association Of Greene Co has an average approval rate.
Pick Rate
Approvals leading to origination84.31%
First Federal Savings And Loan Association Of Greene Co has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 459 | $61,545,000 | $134,085 |