Kish Bank Mortgage Rates, Fees & Info

Belleville, PA

LEI: 549300RIR04Y64SF4306

Tax ID: 23-0764654

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Kish Bank is a smaller bank specializing in Home Purchase 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: State College, Lewistown, Huntingdon, Ocean City, and Altoona among others. We have data for 23 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 about average 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% 12/16/24
    30 Year Conventional Purchase 6.61% 12/16/24
    30 Year Conventional Refi 6.35% 12/16/24
    30 Year Cash-out Refi 6.82% 12/16/24
    30 Year USDA Purchase 6.69% 12/16/24
    15 Year Conventional Purchase 6.36% 12/16/24
    15 Year Conventional Refi 6.03% 12/16/24
    15 Year Cash-out Refi 6.03% 12/16/24
    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

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Kish Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    544

    Origination Dollar Volume (All Markets)

    $105,020,000

    Employee count

    204 Show all (7) awards

    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
    STATE COLLEGE, PA (FHA|USDA|VA) 208 $57,590,000 $276,875 $4,201 4.12%
    Lewistown, PA (FHA|USDA|VA) 159 $17,755,000 $111,667 $2,745 4.56%
    Huntingdon, PA (FHA|USDA|VA) 108 $15,170,000 $140,463 $3,272 4.50%
    Outside of Metro Areas 13 $2,555,000 $196,538 $4,457 4.41%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $1,915,000 $1,915,000 $0 4.15%
    ALTOONA, PA (FHA|USDA|VA) 11 $1,685,000 $153,182 $3,809 4.58%
    DuBois, PA (FHA|USDA|VA) 7 $1,635,000 $233,571 $4,988 4.07%
    Lock Haven, PA (FHA|USDA|VA) 10 $1,310,000 $131,000 $3,571 4.24%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $925,000 $308,333 $4,231 4.83%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $765,000 $255,000 $4,514 4.25%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $700,000 $350,000 $1,919 4.71%
    SANTA FE, NM (FHA|USDA|VA) 1 $465,000 $465,000 $2,573 3.25%
    JOHNSTOWN, PA (FHA|USDA|VA) 2 $410,000 $205,000 $2,307 5.13%
    Selinsgrove, PA (FHA|USDA|VA) 5 $395,000 $79,000 $2,618 4.65%
    WILLIAMSPORT, PA (FHA|USDA|VA) 3 $305,000 $101,667 $3,865 4.15%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $265,000 $265,000 $4,148 4.25%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $255,000 $255,000 $5,962 3.88%
    Lewisburg, PA (FHA|USDA|VA) 1 $245,000 $245,000 $4,025 4.25%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,538 3.75%
    READING, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,283 3.25%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,746 3.75%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $135,000 $135,000 $4,653 3.25%
    Meadville, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,203 4.00%
    Kish Bank's top markets include State College, Lewistown, Huntingdon, Ocean City, and Altoona among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • 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.

    PENNSYLVANIA STATE EMPLOYEES Credit Union
    Similarity Rank: 114
    Reliance Savings Bank
    Similarity Rank: 121
    Kish Bank
    Similarity Rank: 276
    Jersey Shore State Bank
    Similarity Rank: 598
    First Citizens Community Bank
    Similarity Rank: 675
    Northwest Bank
    Similarity Rank: 792
    FIRST HERITAGE FINANCIAL, LLC
    Similarity Rank: 1410
    Flagstar Bank, FSB
    Similarity Rank: 1636
    First National Bank of Pennsylvania
    Similarity Rank: 2820
    Mortgage Research Center, LLC
    Similarity Rank: 7360

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 538 $104,170,000 $193,625 $3,542 4.37%
    USDA 6 $850,000 $141,667 $4,773 3.23%

    For 2019, Kish Bank's most frequently originated type of loan was Conventional, with 538 originations. Their 2nd most popular type was USDA, with 6 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 385 $75,145,000 $195,182 $3,789 4.37%
    Cash Out Refi 73 $12,425,000 $170,205 $3,064 4.45%
    Refi 58 $15,100,000 $260,345 $3,458 3.79%
    Other 15 $1,585,000 $105,667 $2,321 4.74%
    Home Improvement 13 $765,000 $58,846 $1,076 5.35%

    For 2019, Kish Bank's most frequently cited loan purpose was Home Purchase, with 385 originations. The 2nd most popular reason was Cash Out Refi, with 73 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 275 $58,055,000 $211,109 $3,731 3.98%
    15 Year 84 $11,390,000 $135,595 $2,527 4.42%
    30+ year 59 $15,605,000 $264,492 $5,686 4.23%
    10 Year 57 $8,865,000 $155,526 $351 5.12%
    Other 24 $5,170,000 $215,417 $4,657 4.94%
    20 Year 22 $2,390,000 $108,636 $3,214 4.46%
    1 Year 20 $3,510,000 $175,500 $740 6.44%
    5 Year 3 $35,000 $11,667 $137 5.38%

    For 2019, Kish Bank's most frequently cited loan duration was 30 Year, with 275 originations. The 2nd most popular length was 15 Year, with 84 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 374 $70,700,000 $189,037
    $1k-2k 45 $7,995,000 $177,667
    $2k-3k 29 $9,715,000 $335,000
    $3k-4k 2 $1,060,000 $530,000
    $4k-5k 2 $1,070,000 $535,000
    $5k+ 2 $800,000 $400,000

    Kish Bank's average total fees were $3,731, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 374 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 235 $54,995,000 $234,021
    4-5% 197 $35,745,000 $181,447
    5-6% 71 $8,445,000 $118,944
    6-7% 33 $4,055,000 $122,879
    2.5-3% 8 $1,780,000 $222,500

    During 2019, Kish Bank's average interest rate for loans was 3.98%, while their most frequently originated rate bucket for loans was 3-4%, with 235 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 187 $27,165,000 $145,267 $3,239 4.22%
    $200k-400k 158 $42,920,000 $271,646 $4,433 4.06%
    $100,000 or less 150 $8,240,000 $54,933 $1,937 4.94%
    $400k-600k 38 $17,540,000 $461,579 $5,523 3.90%
    $600k-1MM 9 $6,215,000 $690,556 $6,376 4.42%
    $1MM+ 2 $2,940,000 $1,470,000 $7,565 3.76%

    2019 saw Kish Bank place emphasis on $100k-200k loans with 187 originations, totaling $27,165,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 98 $22,560,000 $230,204 $4,005 4.30%
    $50k-75k 96 $12,060,000 $125,625 $3,117 4.32%
    $75k-100k 94 $17,040,000 $181,277 $3,578 4.35%
    $50k or less 91 $9,485,000 $104,231 $2,849 4.36%
    $150k-250k 75 $19,935,000 $265,800 $4,118 4.20%
    $250k+ 34 $12,410,000 $365,000 $4,642 3.95%

    Kish Bank lent most frequently to those with incomes in the $100k-150k range, with 98 originations. The second most popular income band? $50k-75k, with 96 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 135 $25,515,000 $189,000 $3,681 4.16%
    30-36% 108 $19,220,000 $177,963 $3,571 4.29%
    <20% 48 $10,050,000 $209,375 $3,660 3.84%
    40% 27 $6,155,000 $227,963 $3,940 4.50%
    36% 23 $5,215,000 $226,739 $3,619 4.39%
    38% 17 $2,395,000 $140,882 $2,914 4.39%
    39% 16 $3,670,000 $229,375 $4,023 4.42%
    42% 14 $2,610,000 $186,429 $3,209 4.23%
    41% 14 $3,000,000 $214,286 $4,026 4.13%
    37% 13 $1,775,000 $136,538 $2,950 4.48%
    44% 12 $2,820,000 $235,000 $3,504 4.25%
    45% 12 $2,250,000 $187,500 $3,565 4.38%
    43% 10 $1,370,000 $137,000 $2,772 4.20%
    >60% 6 $1,760,000 $293,333 $2,256 4.98%
    46% 6 $1,280,000 $213,333 $3,469 4.31%
    48% 5 $1,175,000 $235,000 $3,968 3.95%
    50-60% 5 $1,105,000 $221,000 $3,347 4.95%
    49% 4 $1,670,000 $417,500 $3,929 4.28%
    47% 4 $670,000 $167,500 $1,885 5.19%

    Kish Bank lent most frequently to those with DTI ratios of 20-30%, with 135 originations. The next most common DTI ratio? 30-36%, with 108 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 474 $87,060,000 $183,671 $3,511 4.32%
    Not applicable 35 $7,795,000 $222,714 $0 5.14%
    Not provided 19 $5,075,000 $267,105 $3,809 4.32%
    Asian 13 $4,215,000 $324,231 $4,592 3.70%
    Black 2 $610,000 $305,000 $5,280 4.00%
    Other Pacific Islander 1 $265,000 $265,000 $3,834 3.13%

    Approval Rates

    Total approvals of all applications
    93.32%

    Kish Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.24%

    Kish Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 544 $105,020,000 $193,051

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $2,640,000 $264,000
    Single Family (1-4 Units):Manufactured 31 $2,975,000 $95,968
    Single Family (1-4 Units):Site-Built 503 $99,405,000 $197,624

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 34 $3,520,000 $103,529 $2,146 4.90%
    40-60% 67 $14,205,000 $212,015 $3,476 4.23%
    60-80% 220 $44,760,000 $203,455 $3,764 4.25%
    80-100% 188 $41,070,000 $218,457 $4,104 4.18%
    Over 100% 1 $185,000 $185,000 $5,382 3.00%
    Under 20% 33 $1,235,000 $37,424 $250 5.75%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Kish Bank 109 East Main Street Allensville, PA 17002 Full Service B&M $1,062
    Kish Bank 114 South Allen Street State College, PA 16801 Full Service B&M $3,376
    Kish Bank 115 South Main Street Lewistown, PA 17044 Full Service B&M $52,012
    Kish Bank 12522 William Penn Highway Mill Creek, PA 17060 Full Service B&M $15,972
    Kish Bank 15 Gateway Drive Reedsville, PA 17084 Full Service B&M $67,978
    Kish Bank 17 East John Street Mcveytown, PA 17051 Full Service B&M $42,443
    Kish Bank 1961 South Atherton Street State College, PA 16801 Full Service B&M $87,833
    Kish Bank 205 Park Place, Suite #6 Bellefonte, PA 16823 Full Service B&M $33,887
    Kish Bank 25 Gateway Drive Reedsville, PA 17084 Full Service B&M $19,508
    Kish Bank 2610 Green Tech Drive State College, PA 16803 Full Service B&M $93,703
    Kish Bank 4255 East Main Street Belleville, PA 17004 Full Service B&M $81,214
    Kish Bank 518 Electric Avenue Lewistown, PA 17044 Full Service B&M $82,955
    Kish Bank 5473 Mcalevy's Fort Road Petersburg, PA 16669 Full Service B&M $12,392
    Kish Bank 9471 William Penn Highway Huntingdon, PA 16652 Full Service B&M $105,623

    For 2019, Kish Bank had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $38,063
    Net interest income $28,348
    Total noninterest income $7,735
    Gross Fiduciary activities income $245
    Service charges on deposit accounts $1,624
    Trading account gains and fees $0
    Additional Noninterest Income $5,866
    Pre-tax net operating income $8,539
    Securities gains (or losses, -) $324
    Income before extraordinary items $7,761
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,761
    Minority interest net income $0
    Net income $7,761
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,475

    Kish Bank's gross interest income from loans was $38,063,000.
    Kish Bank's net interest income from loans was $28,348,000.
    Kish Bank's fee based income from loans was $1,624,000.
    Kish Bank's net income from loans was $7,761,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,715
    Provision for credit losses $390
    Total noninterest expense $27,154
    Salaries and employee benefits $16,095
    Premises and equipment expense $3,058
    Additional noninterest expense $8,001
    Applicable income taxes $1,102
    Net charge-offs $-467
    Cash dividends $1,300

    Kish Bank's interest expense for loans was $9,715,000.
    Kish Bank's payroll and benefits expense were $16,095,000.
    Kish Bank's property, plant and equipment expenses $3,058,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $712,379
    Deposits held in domestic offices $712,379
    Deposits by Individuals, partnerships, and corporations $642,398
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $69,981
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $115,669
    Demand deposits $102,173
    Nontransaction accounts $596,710
    Money market deposit accounts (MMDAs) $248,204
    Other savings deposits (excluding MMDAs) $69,074
    Total time deposits $279,433
    Total time and savings deposits $610,206
    Noninterest-bearing deposits $101,998
    Interest-bearing deposits $610,381
    Retail deposits $640,921
    IRAs and Keogh plan accounts $26,742
    Brokered deposits $2,799
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $916,855
    Cash & Balances due from depository institutions $37,684
    Interest-bearing balances $30,806
    Total securities $139,836
    Federal funds sold & reverse repurchase $0
    Net loans and leases $682,998
    Loan and leases loss allowance $7,499
    Trading account assets $0
    Bank premises and fixed assets $19,232
    Other real estate owned $897
    Goodwill and other intangibles $2,093
    All other assets $34,115

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $916,855
    Total Liabilities $837,344
    Total deposits $712,379
    Interest-bearing deposits $610,381
    Deposits held in domestic offices $712,379
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $1,061
    Trading liabilities $0
    Other borrowed funds $111,928
    Subordinated debt $0
    All other liabilities $11,976

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $682,998
    Loan and leases loss allowance $7,499
    Total loans and leases (domestic) $690,497
    All real estate loans $541,596
    Real estate loans in domestic offices $541,596
    Construction and development loans $49,232
    Residential 1-4 family construction $10,345
    Other construction, all land development and other land $38,887
    Loans secured by nonfarm nonresidential properties $173,566
    Nonfarm nonresidential secured by owner-occupied properties $65,167
    Commercial real estate & other non-farm, non-residential $108,399
    Multifamily residential real estate $37,537
    1-4 family residential loans $255,313
    Farmland loans $25,948
    Loans held in foreign offices $0
    Farm loans $4,882
    Commercial and industrial loans $100,264
    To non-U.S. addressees $0
    Loans to individuals $6,909
    Credit card loans $0
    Related Plans $1,262
    Consumer Auto Loans $615
    Other loans to individuals $5,032
    All other loans & leases $36,846
    Loans to foreign governments and official institutions $0
    Other loans $41
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $805
    Non 1-4 family restructured loans & leases $558
    Total loans and leases (foreign) $0

    Kish Bank had $682,998,000 of loans outstanding in 2019. $541,596,000 of loans were in real estate loans. $49,232,000 of loans were in development loans. $37,537,000 of loans were in multifamily mortgage loans. $255,313,000 of loans were in 1-4 family mortgage loans. $4,882,000 of loans were in farm loans. $0 of loans were in credit card loans. $615,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 252 $48,680 $193,175
    Nonfarm, nonresidential loans - <$100k 71 $2,755 $38,803
    Nonfarm, nonresidential loans - $100-250k 86 $9,534 $110,860
    Nonfarm, nonresidential loans - $250k-1MM 95 $36,391 $383,063
    Commercial & Industrial, US addressed loans - <$1MM 706 $65,408 $92,646
    Commercial & Industrial, US addressed loans - <$100k 459 $12,205 $26,590
    Commercial & Industrial, US addressed loans - $100-250k 133 $14,615 $109,887
    Commercial & Industrial, US addressed loans - $250k-1MM 114 $38,588 $338,491
    Farmland loans - <$1MM 153 $19,556 $127,817
    Farmland loans - <$100k 51 $1,996 $39,137
    Farmland loans - $100-250k 68 $9,117 $134,074
    Farmland loans - $250k-1MM 34 $8,443 $248,324
    Agriculture operations loans - <$1MM 163 $4,882 $29,951
    Agriculture operations loans - <$100k 148 $3,081 $20,818
    Agriculture operations loans - $100-250k 12 $997 $83,083
    Agriculture operations loans - $250k-1MM 3 $804 $268,000