Ps Bank Mortgage Rates, Fees & Info
Wyalusing, PALEI: 549300RXD00V454J4078
Tax ID: 24-0687920
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Mortgage Data
Review & Overview
Ps Bank is a smaller bank specializing in Home Purchase loans. Ps Bank has a high proportion of conventional loans. Their top markets by origination volume include: Scranton, Sayre, East Stroudsburg, New York, and Binghamton among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)Ps 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.
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Originations
255Origination Dollar Volume (All Markets)
$41,025,000Top 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 |
|---|---|---|---|---|---|
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 146 | $24,550,000 | $168,151 | $0 | 0.00% |
| Sayre, PA (FHA|USDA|VA) | 65 | $7,185,000 | $110,538 | $0 | 0.00% |
| Outside of Metro Areas | 24 | $3,790,000 | $157,917 | $0 | 0.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $0 | 0.00% |
| BINGHAMTON, NY (FHA|USDA|VA) | 7 | $905,000 | $129,286 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 255 | $41,025,000 | $160,882 | $0 | 0.00% |
For 2022, Ps Bank's most frequently originated type of loan was Conventional, with 255 originations.
Loan Reason
For 2022, Ps Bank's most frequently cited loan purpose was Home Purchase, with 125 originations. The 2nd most popular reason was Home Improvement, with 44 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 255 | $41,025,000 | $160,882 | $0 | 0.00% |
For 2022, Ps Bank's most frequently cited loan duration was Other, with 255 originations.
Loan Sizing
2022 saw Ps Bank place emphasis on $100,000 or less loans with 113 originations, totaling $6,375,000 in origination value.
Applicant Income
Ps Bank lent most frequently to those with incomes in the $50k-75k range, with 51 originations. The second most popular income band? $75k-100k, with 45 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 255 | $41,025,000 | $160,882 | $0 | 0.00% |
Ps Bank lent most frequently to those with DTI ratios of Exempt%, with 255 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.20%
Ps Bank has an average approval rate.
Pick Rate
Approvals leading to origination72.16%
Ps Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 255 | $41,025,000 | $160,882 |