Kish Bank Mortgage Rates, Fees & Info
Belleville, PALEI: 549300RIR04Y64SF4306
Tax ID: 23-0764654
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Mortgage Data
Review & Overview
Kish Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Kish Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Columbus, State College, Lewistown, Huntingdon, and Williamsport among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)Kish Bank 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. Kish Bank 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.91% | 11/17/24 |
| 30 Year Conventional Purchase | 6.61% | 11/17/24 |
| 30 Year Conventional Refi | 6.35% | 11/17/24 |
| 30 Year Cash-out Refi | 6.82% | 11/17/24 |
| 30 Year USDA Purchase | 6.69% | 11/17/24 |
| 15 Year Conventional Purchase | 6.36% | 11/17/24 |
| 15 Year Conventional Refi | 6.03% | 11/17/24 |
| 15 Year Cash-out Refi | 6.03% | 11/17/24 |
| 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. | ||
Kish Bank Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
593Origination Dollar Volume (All Markets)
$181,685,000Awards
Kish Bank - 2023
Kish Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Kish Bank's average 30 year fixed mortgage rate was
6.39%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.09%.
Relative Fees (Closing Costs)
Kish Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,484.
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 |
|---|---|---|---|---|---|
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $64,265,000 | $21,421,667 | $0 | 7.55% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 195 | $57,475,000 | $294,744 | $5,306 | 7.05% |
| Lewistown, PA (FHA|USDA|VA) | 227 | $27,485,000 | $121,079 | $3,288 | 7.61% |
| Huntingdon, PA (FHA|USDA|VA) | 87 | $10,485,000 | $120,517 | $3,572 | 7.56% |
| Outside of Metro Areas | 33 | $5,005,000 | $151,667 | $3,513 | 7.26% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 2 | $4,720,000 | $2,360,000 | $0 | 8.34% |
| ALTOONA, PA (FHA|USDA|VA) | 15 | $3,065,000 | $204,333 | $4,503 | 7.11% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $1,655,000 | $1,655,000 | $12,465 | 6.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $10,688 | 6.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $3,983 | 6.81% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $6,290 | 6.06% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,377 | 6.29% |
| DuBois, PA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $5,491 | 6.92% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,474 | 5.50% |
| Selinsgrove, PA (FHA|USDA|VA) | 5 | $395,000 | $79,000 | $1,801 | 7.11% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,912 | 5.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,006 | 6.38% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,578 | 6.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.38% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,204 | 6.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.81% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 9.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Kish 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 | 392 | $163,800,000 | $417,857 | $4,244 | 6.73% |
| HELOC | 198 | $17,360,000 | $87,677 | n/a | 8.57% |
| USDA | 3 | $525,000 | $175,000 | $5,616 | 6.50% |
For 2023, Kish Bank's most frequently originated type of loan was Conventional, with 392 originations. Their 2nd most popular type was HELOC, with 198 originations.
Loan Reason
For 2023, Kish Bank's most frequently cited loan purpose was Home Purchase, with 332 originations. The 2nd most popular reason was Home Improvement, with 99 originations.
Loan Duration/Length
For 2023, Kish Bank's most frequently cited loan duration was Other, with 219 originations. The 2nd most popular length was 30 Year, with 188 originations.
Origination Fees/Closing Costs
Kish Bank's average total fees were $4,484, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 162 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 183 | $52,275,000 | $285,656 |
| Over 8% | 178 | $52,720,000 | $296,180 |
| 7-8% | 146 | $46,300,000 | $317,123 |
| 5-6% | 84 | $29,430,000 | $350,357 |
| 4-5% | 2 | $960,000 | $480,000 |
During 2023, Kish Bank's average interest rate for loans was 6.39%, while their most frequently originated rate bucket for loans was 6-7%, with 183 originations.
Loan Sizing
2023 saw Kish Bank place emphasis on $100,000 or less loans with 228 originations, totaling $11,940,000 in origination value.
Applicant Income
Kish Bank lent most frequently to those with incomes in the $100k-150k range, with 132 originations. The second most popular income band? $50k-75k, with 99 originations.
Applicant Debt to Income Ratio
Kish Bank lent most frequently to those with DTI ratios of 20-30%, with 153 originations. The next most common DTI ratio? 30-36%, with 109 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.08%
Kish Bank has an average approval rate.
Pick Rate
Approvals leading to origination89.38%
Kish Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 593 | $181,685,000 | $306,383 |