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™
  • Mortgage Calculator

    • 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 and 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: State College, Lewistown, Huntingdon, York, 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 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% 4/21/24
    30 Year Conventional Purchase 6.61% 4/21/24
    30 Year Conventional Refi 6.35% 4/21/24
    30 Year Cash-out Refi 6.82% 4/21/24
    30 Year USDA Purchase 6.69% 4/21/24
    15 Year Conventional Purchase 6.36% 4/21/24
    15 Year Conventional Refi 6.03% 4/21/24
    15 Year Cash-out Refi 6.03% 4/21/24
    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

    811

    Origination Dollar Volume (All Markets)

    $180,145,000

    Employee count

    207 Show all (6) 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) 336 $98,920,000 $294,405 $4,392 3.06%
    Lewistown, PA (FHA|USDA|VA) 223 $28,505,000 $127,825 $3,070 3.47%
    Huntingdon, PA (FHA|USDA|VA) 160 $26,660,000 $166,625 $3,424 3.44%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $4,060,000 $2,030,000 $3,303 2.65%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $3,305,000 $3,305,000 $0 3.16%
    Outside of Metro Areas 15 $2,885,000 $192,333 $3,884 3.30%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 11 $2,275,000 $206,818 $3,741 2.95%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,945,000 $648,333 $6,589 4.00%
    ALTOONA, PA (FHA|USDA|VA) 12 $1,520,000 $126,667 $2,537 3.48%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 5 $1,475,000 $295,000 $4,078 3.15%
    DuBois, PA (FHA|USDA|VA) 9 $1,245,000 $138,333 $4,119 3.38%
    Lock Haven, PA (FHA|USDA|VA) 7 $1,085,000 $155,000 $3,601 2.77%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $865,000 $288,333 $3,852 2.92%
    LANCASTER, PA (FHA|USDA|VA) 4 $810,000 $202,500 $3,752 2.75%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $805,000 $268,333 $3,738 3.42%
    SALISBURY, MD-DE (FHA|USDA|VA) 2 $590,000 $295,000 $2,294 3.25%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $535,000 $535,000 $5,345 3.13%
    PITTSBURGH, PA (FHA|USDA|VA) 3 $475,000 $158,333 $2,642 3.79%
    GETTYSBURG, PA (FHA|USDA|VA) 3 $475,000 $158,333 $3,605 2.63%
    Selinsgrove, PA (FHA|USDA|VA) 4 $420,000 $105,000 $2,614 3.78%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $415,000 $415,000 $4,469 3.00%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $345,000 $345,000 $4,693 2.25%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $325,000 $325,000 $5,006 2.38%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,857 3.00%
    Kish Bank's top markets include State College, Lewistown, Huntingdon, York, and Williamsport among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Illinois (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.

    First Citizens Community Bank
    Similarity Rank: 310
    Kish Bank
    Similarity Rank: 336
    Jersey Shore State Bank
    Similarity Rank: 750
    PENNSYLVANIA STATE EMPLOYEES Credit Union
    Similarity Rank: 1026
    FIRST HERITAGE FINANCIAL, LLC
    Similarity Rank: 1972
    Northwest Bank
    Similarity Rank: 3125
    FREEDOM MORTGAGE CORPORATION
    Similarity Rank: 3692
    First National Bank of Pennsylvania
    Similarity Rank: 3744
    Mortgage Research Center, LLC
    Similarity Rank: 5526
    USAA Federal Savings Bank
    Similarity Rank: 8990

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 805 $179,235,000 $222,652 $3,757 3.26%
    USDA 6 $910,000 $151,667 $4,997 3.15%

    For 2020, Kish Bank's most frequently originated type of loan was Conventional, with 805 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 436 $103,300,000 $236,927 $4,082 3.39%
    Refi 280 $59,470,000 $212,393 $3,620 2.85%
    Cash Out Refi 73 $15,265,000 $209,110 $3,207 3.72%
    Home Improvement 12 $940,000 $78,333 $1,145 4.56%
    Other 10 $1,170,000 $117,000 $1,078 4.20%

    For 2020, Kish Bank's most frequently cited loan purpose was Home Purchase, with 436 originations. The 2nd most popular reason was Refi, with 280 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 462 $110,120,000 $238,355 $3,952 3.03%
    15 Year 151 $20,745,000 $137,384 $2,594 3.35%
    30+ year 57 $20,225,000 $354,825 $6,727 3.54%
    10 Year 51 $11,135,000 $218,333 $1,753 4.00%
    20 Year 46 $8,270,000 $179,783 $3,557 3.21%
    Other 21 $6,525,000 $310,714 $3,402 3.91%
    1 Year 20 $3,080,000 $154,000 $629 4.68%
    5 Year 3 $45,000 $15,000 $260 3.92%

    For 2020, Kish Bank's most frequently cited loan duration was 30 Year, with 462 originations. The 2nd most popular length was 15 Year, with 151 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 587 $121,055,000 $206,227
    $1k-2k 88 $20,230,000 $229,886
    $2k-3k 32 $11,170,000 $349,063
    $3k-4k 9 $3,705,000 $411,667
    $5k+ 3 $3,065,000 $1,021,667
    $4k-5k 2 $1,380,000 $690,000

    Kish Bank's average total fees were $3,952, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 587 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 301 $75,805,000 $251,844
    3-4% 279 $68,225,000 $244,534
    <2.5% 115 $23,015,000 $200,130
    4-5% 94 $11,600,000 $123,404
    5-6% 22 $1,500,000 $68,182

    During 2020, Kish Bank's average interest rate for loans was 3.03%, while their most frequently originated rate bucket for loans was 2.5-3%, with 301 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 302 $45,810,000 $151,689 $3,380 3.20%
    $200k-400k 253 $70,625,000 $279,150 $4,367 3.01%
    $100,000 or less 173 $10,465,000 $60,491 $1,933 3.79%
    $400k-600k 56 $26,600,000 $475,000 $5,720 3.03%
    $600k-1MM 22 $15,770,000 $716,818 $7,306 3.44%
    $1MM+ 5 $10,875,000 $2,175,000 $11,456 3.34%

    2020 saw Kish Bank place emphasis on $100k-200k loans with 302 originations, totaling $45,810,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 186 $43,910,000 $236,075 $3,953 3.13%
    $75k-100k 149 $28,375,000 $190,436 $3,609 3.23%
    $50k-75k 131 $18,905,000 $144,313 $3,289 3.20%
    $50k or less 128 $14,540,000 $113,594 $2,971 3.47%
    $150k-250k 87 $27,965,000 $321,437 $4,677 3.09%
    $250k+ 69 $29,835,000 $432,391 $5,212 3.24%

    Kish Bank lent most frequently to those with incomes in the $100k-150k range, with 186 originations. The second most popular income band? $75k-100k, with 149 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 268 $59,300,000 $221,269 $3,744 3.12%
    30-36% 135 $27,505,000 $203,741 $3,730 3.38%
    <20% 127 $29,405,000 $231,535 $3,880 2.93%
    39% 26 $6,140,000 $236,154 $4,078 3.11%
    36% 26 $6,350,000 $244,231 $3,748 3.45%
    41% 20 $3,960,000 $198,000 $3,708 3.19%
    40% 19 $3,905,000 $205,526 $3,900 3.48%
    38% 18 $2,580,000 $143,333 $3,546 3.11%
    37% 18 $3,860,000 $214,444 $3,369 3.56%
    42% 17 $3,395,000 $199,706 $3,744 3.27%
    44% 13 $2,405,000 $185,000 $3,359 3.19%
    50-60% 11 $3,105,000 $282,273 $3,381 3.83%
    45% 11 $2,015,000 $183,182 $3,919 2.81%
    43% 10 $2,890,000 $289,000 $4,576 3.09%
    48% 9 $2,275,000 $252,778 $3,689 3.17%
    46% 6 $1,120,000 $186,667 $3,723 2.98%
    47% 5 $1,775,000 $355,000 $2,756 3.33%
    >60% 3 $1,215,000 $405,000 $4,887 4.25%
    49% 1 $195,000 $195,000 $3,588 2.63%

    Kish Bank lent most frequently to those with DTI ratios of 20-30%, with 268 originations. The next most common DTI ratio? 30-36%, with 135 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 696 $146,670,000 $210,733 $3,728 3.25%
    Not provided 66 $17,500,000 $265,152 $3,984 2.92%
    Not applicable 38 $12,480,000 $328,421 $0 4.07%
    Asian 7 $2,595,000 $370,714 $4,611 3.52%
    Other Asian 2 $570,000 $285,000 $6,956 3.31%
    Black 1 $195,000 $195,000 $3,563 2.75%
    American Indian 1 $135,000 $135,000 $3,534 3.00%

    Approval Rates

    Total approvals of all applications
    94.62%

    Kish Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.64%

    Kish Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 811 $180,145,000 $222,127

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 16 $10,460,000 $653,750
    Single Family (1-4 Units):Manufactured 19 $2,165,000 $113,947
    Single Family (1-4 Units):Site-Built 776 $167,520,000 $215,876

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 44 $4,880,000 $110,909 $2,309 3.50%
    40-60% 127 $27,495,000 $216,496 $3,648 2.95%
    60-80% 316 $71,350,000 $225,791 $3,994 3.32%
    80-100% 286 $74,460,000 $260,350 $4,150 3.14%
    Over 100% 4 $690,000 $172,500 $5,392 2.81%
    Under 20% 32 $1,190,000 $37,188 $409 4.65%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Kish Bank 109 East Main Street Allensville, PA 17002 Full Service B&M $1,749
    Kish Bank 114 South Allen Street State College, PA 16801 Full Service B&M $19,493
    Kish Bank 115 South Main Street Lewistown, PA 17044 Full Service B&M $71,059
    Kish Bank 12522 William Penn Highway Mill Creek, PA 17060 Full Service B&M $20,727
    Kish Bank 15 Gateway Drive Reedsville, PA 17084 Full Service B&M $71,577
    Kish Bank 17 East John Street Mcveytown, PA 17051 Full Service B&M $44,016
    Kish Bank 1961 South Atherton Street State College, PA 16801 Full Service B&M $115,546
    Kish Bank 205 Park Place, Suite #6 Bellefonte, PA 16823 Full Service B&M $35,247
    Kish Bank 25 Gateway Drive Reedsville, PA 17084 Full Service B&M $17,392
    Kish Bank 2610 Green Tech Drive State College, PA 16803 Full Service B&M $87,036
    Kish Bank 4255 East Main Street Belleville, PA 17004 Full Service B&M $95,434
    Kish Bank 518 Electric Avenue Lewistown, PA 17044 Full Service B&M $94,159
    Kish Bank 5473 Mcalevy's Fort Road Petersburg, PA 16669 Full Service B&M $13,540
    Kish Bank 9471 William Penn Highway Huntingdon, PA 16652 Full Service B&M $135,414

    For 2020, Kish Bank had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $39,446
    Net interest income $31,765
    Total noninterest income $10,240
    Gross Fiduciary activities income $295
    Service charges on deposit accounts $1,467
    Trading account gains and fees $0
    Additional Noninterest Income $8,478
    Pre-tax net operating income $10,703
    Securities gains (or losses, -) $-185
    Income before extraordinary items $9,028
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,028
    Minority interest net income $0
    Net income $9,028
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,187

    Kish Bank's gross interest income from loans was $39,446,000.
    Kish Bank's net interest income from loans was $31,765,000.
    Kish Bank's fee based income from loans was $1,467,000.
    Kish Bank's net income from loans was $9,028,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,681
    Provision for credit losses $2,268
    Total noninterest expense $29,034
    Salaries and employee benefits $17,575
    Premises and equipment expense $3,018
    Additional noninterest expense $8,441
    Applicable income taxes $1,490
    Net charge-offs $-4
    Cash dividends $2,475

    Kish Bank's interest expense for loans was $7,681,000.
    Kish Bank's payroll and benefits expense were $17,575,000.
    Kish Bank's property, plant and equipment expenses $3,018,000.

    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 $881,236
    Deposits held in domestic offices $881,236
    Deposits by Individuals, partnerships, and corporations $771,523
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $109,713
    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 $209,916
    Demand deposits $139,434
    Nontransaction accounts $671,320
    Money market deposit accounts (MMDAs) $328,847
    Other savings deposits (excluding MMDAs) $91,168
    Total time deposits $251,305
    Total time and savings deposits $741,802
    Noninterest-bearing deposits $139,063
    Interest-bearing deposits $742,173
    Retail deposits $830,584
    IRAs and Keogh plan accounts $25,627
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,105,423
    Cash & Balances due from depository institutions $130,155
    Interest-bearing balances $117,713
    Total securities $140,950
    Federal funds sold & reverse repurchase $0
    Net loans and leases $761,637
    Loan and leases loss allowance $9,771
    Trading account assets $0
    Bank premises and fixed assets $27,755
    Other real estate owned $897
    Goodwill and other intangibles $3,713
    All other assets $40,316

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,105,423
    Total Liabilities $1,019,354
    Total deposits $881,236
    Interest-bearing deposits $742,173
    Deposits held in domestic offices $881,236
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $2,305
    Trading liabilities $0
    Other borrowed funds $115,689
    Subordinated debt $0
    All other liabilities $20,124

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $761,637
    Loan and leases loss allowance $9,771
    Total loans and leases (domestic) $771,408
    All real estate loans $593,048
    Real estate loans in domestic offices $593,048
    Construction and development loans $77,671
    Residential 1-4 family construction $15,247
    Other construction, all land development and other land $62,424
    Loans secured by nonfarm nonresidential properties $191,880
    Nonfarm nonresidential secured by owner-occupied properties $67,399
    Commercial real estate & other non-farm, non-residential $124,481
    Multifamily residential real estate $34,650
    1-4 family residential loans $265,562
    Farmland loans $23,285
    Loans held in foreign offices $0
    Farm loans $4,333
    Commercial and industrial loans $126,378
    To non-U.S. addressees $0
    Loans to individuals $5,619
    Credit card loans $0
    Related Plans $1,193
    Consumer Auto Loans $503
    Other loans to individuals $3,923
    All other loans & leases $42,030
    Loans to foreign governments and official institutions $0
    Other loans $17
    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 $877
    Non 1-4 family restructured loans & leases $536
    Total loans and leases (foreign) $0

    Kish Bank had $761,637,000 of loans outstanding in 2020. $593,048,000 of loans were in real estate loans. $77,671,000 of loans were in development loans. $34,650,000 of loans were in multifamily mortgage loans. $265,562,000 of loans were in 1-4 family mortgage loans. $4,333,000 of loans were in farm loans. $0 of loans were in credit card loans. $503,000 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 261 $54,113 $207,330
    Nonfarm, nonresidential loans - <$100k 74 $2,569 $34,716
    Nonfarm, nonresidential loans - $100-250k 81 $8,306 $102,543
    Nonfarm, nonresidential loans - $250k-1MM 106 $43,238 $407,906
    Commercial & Industrial, US addressed loans - <$1MM 1,665 $96,862 $58,175
    Commercial & Industrial, US addressed loans - <$100k 1,174 $23,923 $20,377
    Commercial & Industrial, US addressed loans - $100-250k 297 $22,623 $76,172
    Commercial & Industrial, US addressed loans - $250k-1MM 194 $50,316 $259,361
    Farmland loans - <$1MM 147 $17,201 $117,014
    Farmland loans - <$100k 55 $1,934 $35,164
    Farmland loans - $100-250k 61 $7,473 $122,508
    Farmland loans - $250k-1MM 31 $7,794 $251,419
    Agriculture operations loans - <$1MM 180 $4,324 $24,022
    Agriculture operations loans - <$100k 164 $2,705 $16,494
    Agriculture operations loans - $100-250k 13 $1,026 $78,923
    Agriculture operations loans - $250k-1MM 3 $593 $197,667