Usny Bank Mortgage Rates, Fees & Info
Geneva, NYLEI: 549300QWZP1DM0Q04B39
Tax ID: 26-0432177
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Mortgage Data
Review & Overview
Usny Bank is a smaller bank specializing in Home Purchase loans. Usny Bank has a high proportion of conventional loans. Their top markets by origination volume include: Oneonta, Rochester, Seneca Falls, Auburn, and Ithaca among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Usny Bank has an average approval rate when compared to the average across all lenders.
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Originations
107Origination Dollar Volume (All Markets)
$19,195,000Top 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 |
|---|---|---|---|---|---|
| Oneonta, NY (FHA|USDA|VA) | 48 | $9,240,000 | $192,500 | $0 | 0.00% |
| ROCHESTER, NY (FHA|USDA|VA) | 36 | $6,940,000 | $192,778 | $0 | 0.00% |
| Seneca Falls, NY (FHA|USDA|VA) | 12 | $1,470,000 | $122,500 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $690,000 | $172,500 | $0 | 0.00% |
| Auburn, NY (FHA|USDA|VA) | 5 | $555,000 | $111,000 | $0 | 0.00% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against USNY 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 107 | $19,195,000 | $179,393 | $0 | 0.00% |
For 2019, Usny Bank's most frequently originated type of loan was Conventional, with 107 originations.
Loan Reason
For 2019, Usny Bank's most frequently cited loan purpose was Home Purchase, with 68 originations. The 2nd most popular reason was Refi, with 22 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 107 | $19,195,000 | $179,393 | $0 | 0.00% |
For 2019, Usny Bank's most frequently cited loan duration was Other, with 107 originations.
Loan Sizing
2019 saw Usny Bank place emphasis on $100k-200k loans with 42 originations, totaling $5,940,000 in origination value.
Applicant Income
Usny Bank lent most frequently to those with incomes in the $100k-150k range, with 20 originations. The second most popular income band? $50k-75k, with 20 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 107 | $19,195,000 | $179,393 | $0 | 0.00% |
Usny Bank lent most frequently to those with DTI ratios of Exempt%, with 107 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.17%
Usny Bank has an average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 107 | $19,195,000 | $179,393 |