Linkbank Mortgage Rates, Fees & Info
Camp Hill, PALEI: 549300R2Q0E1T4DWKH51
Tax ID: 23-2990904
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Mortgage Data
Review & Overview
Linkbank is a smaller bank specializing in Refi and Home Purchase loans. Linkbank has a high proportion of conventional loans. Their top markets by origination volume include: Harrisburg, Philadelphia, Lancaster, York, and Miami among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)Linkbank 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.
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Originations
115Origination Dollar Volume (All Markets)
$46,475,000Top 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 |
|---|---|---|---|---|---|
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 45 | $16,815,000 | $373,667 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 15 | $8,295,000 | $553,000 | $0 | 0.00% |
| LANCASTER, PA (FHA|USDA|VA) | 20 | $5,730,000 | $286,500 | $0 | 0.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 16 | $4,180,000 | $261,250 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $2,110,000 | $1,055,000 | $0 | 0.00% |
| Hilo, HI (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $0 | 0.00% |
| GETTYSBURG, PA (FHA|USDA|VA) | 3 | $1,695,000 | $565,000 | $0 | 0.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 0.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $1,145,000 | $1,145,000 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $0 | 0.00% |
| Somerset, PA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 0.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| LEBANON, PA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 0.00% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 115 | $46,475,000 | $404,130 | $0 | 0.00% |
For 2021, Linkbank's most frequently originated type of loan was Conventional, with 115 originations.
Loan Reason
For 2021, Linkbank's most frequently cited loan purpose was Refi, with 55 originations. The 2nd most popular reason was Home Purchase, with 26 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 115 | $46,475,000 | $404,130 | $0 | 0.00% |
For 2021, Linkbank's most frequently cited loan duration was Other, with 115 originations.
Loan Sizing
2021 saw Linkbank place emphasis on $100k-200k loans with 28 originations, totaling $3,830,000 in origination value.
Applicant Income
Linkbank lent most frequently to those with incomes in the $150k-250k range, with 22 originations. The second most popular income band? $100k-150k, with 15 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 115 | $46,475,000 | $404,130 | $0 | 0.00% |
Linkbank lent most frequently to those with DTI ratios of Exempt%, with 115 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.75%
Linkbank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination96.52%
Linkbank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 115 | $46,475,000 | $404,130 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Loan Cabin Inc. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 83.3% |
| Loan Cabin Inc. | Conventional home mortgage | Closing on a mortgage | 1 | 16.7% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Linkbank | 2010 Fruitville Pike Lancaster, PA 17601 | Full Service B&M | $93,211 |
| Linkbank | 3045 Market Street Camp Hill, PA 17011 | Full Service B&M | $229,785 |
| Linkbank | 605 Willowbrook Lane West Chester, PA 19382 | Full Service B&M | $62,312 |
For 2021, Linkbank had 3 branches.