Woodlands Bank Mortgage Rates, Fees & Info

Williamsport, PA

LEI: 549300RMBMOU2J1VK478

Tax ID: 23-2579286

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

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Mortgage Data

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

    • Review & Overview

    Woodlands Bank is a smaller bank specializing in Home Purchase loans. Woodlands Bank has a high proportion of conventional loans. Their top markets by origination volume include: Williamsport, Lock Haven, Sunbury, State College, and Bloomsburg among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Woodlands Bank 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.

    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.

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    Originations

    183

    Origination Dollar Volume (All Markets)

    $33,005,000

    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
    WILLIAMSPORT, PA (FHA|USDA|VA) 150 $26,500,000 $176,667 $0 0.00%
    Lock Haven, PA (FHA|USDA|VA) 23 $4,465,000 $194,130 $0 0.00%
    Outside of Metro Areas 5 $1,505,000 $301,000 $0 0.00%
    Sunbury, PA (FHA|USDA|VA) 2 $380,000 $190,000 $0 0.00%
    STATE COLLEGE, PA (FHA|USDA|VA) 2 $120,000 $60,000 $0 0.00%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
    Woodlands Bank's top markets include Williamsport, Lock Haven, Sunbury, State College, and Bloomsburg among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 183 $33,005,000 $180,355 $0 0.00%

    For 2022, Woodlands Bank's most frequently originated type of loan was Conventional, with 183 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 117 $22,475,000 $192,094 $0 0.00%
    Refi 30 $6,180,000 $206,000 $0 0.00%
    Cash Out Refi 20 $3,700,000 $185,000 $0 0.00%
    Home Improvement 13 $495,000 $38,077 $0 0.00%
    Other 3 $155,000 $51,667 $0 0.00%

    For 2022, Woodlands Bank's most frequently cited loan purpose was Home Purchase, with 117 originations. The 2nd most popular reason was Refi, with 30 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 183 $33,005,000 $180,355 $0 0.00%

    For 2022, Woodlands Bank's most frequently cited loan duration was Other, with 183 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 74 $10,970,000 $148,243 $0 0.00%
    $100,000 or less 57 $3,305,000 $57,982 $0 0.00%
    $200k-400k 43 $11,785,000 $274,070 $0 0.00%
    $400k-600k 4 $1,910,000 $477,500 $0 0.00%
    $600k-1MM 4 $3,030,000 $757,500 $0 0.00%
    $1MM+ 1 $2,005,000 $2,005,000 $0 0.00%

    2022 saw Woodlands Bank place emphasis on $100k-200k loans with 74 originations, totaling $10,970,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 36 $4,680,000 $130,000 $0 0.00%
    $100k-150k 31 $5,325,000 $171,774 $0 0.00%
    $50k or less 27 $3,245,000 $120,185 $0 0.00%
    $75k-100k 21 $3,475,000 $165,476 $0 0.00%
    $150k-250k 19 $4,665,000 $245,526 $0 0.00%
    $250k+ 7 $1,745,000 $249,286 $0 0.00%

    Woodlands Bank lent most frequently to those with incomes in the $50k-75k range, with 36 originations. The second most popular income band? $100k-150k, with 31 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 183 $33,005,000 $180,355 $0 0.00%

    Woodlands Bank lent most frequently to those with DTI ratios of Exempt%, with 183 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 138 $22,920,000 $166,087 $0 0.00%
    Not applicable 40 $9,530,000 $238,250 $0 0.00%
    Not provided 3 $325,000 $108,333 $0 0.00%
    Asian 2 $230,000 $115,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.67%

    Woodlands Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    92.35%

    Woodlands Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 183 $33,005,000 $180,355

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    183 $33,005,000 $180,355