Flushing Bank Mortgage Rates, Fees & Info
Uniondale, NYLEI: 549300QVXT6121Q7E798
Tax ID: 41-2231564
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Mortgage Data
Review & Overview
Flushing Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Flushing Bank has a high proportion of conventional loans. Their top two markets are New York and Poughkeepsie .Flushing Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
80Origination Dollar Volume (All Markets)
$124,450,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 79 | $119,445,000 | $1,511,962 | $0 | 0.00% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $5,005,000 | $5,005,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 80 | $124,450,000 | $1,555,625 | $0 | 0.00% |
For 2024, Flushing Bank's most frequently originated type of loan was Conventional, with 80 originations.
Loan Reason
For 2024, Flushing Bank's most frequently cited loan purpose was Home Purchase, with 45 originations. The 2nd most popular reason was Refi, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 80 | $124,450,000 | $1,555,625 | $0 | 0.00% |
For 2024, Flushing Bank's most frequently cited loan duration was Other, with 80 originations.
Loan Sizing
2024 saw Flushing Bank place emphasis on $600k-1MM loans with 33 originations, totaling $27,065,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $150k-250k | 1 | $305,000 | $305,000 | $0 | 0.00% |
Flushing Bank lent most frequently to those with incomes in the $150k-250k range, with 1 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 80 | $124,450,000 | $1,555,625 | $0 | 0.00% |
Flushing Bank lent most frequently to those with DTI ratios of Exempt%, with 80 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.76%
Flushing Bank has a below average approval rate.
Pick Rate
Approvals leading to origination73.75%
Flushing Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 80 | $124,450,000 | $1,555,625 |