Susquehanna Community Bank Mortgage Rates, Fees & Info

West Milton, PA

LEI: 549300T3Z5LVF06QVK79

Tax ID: 23-2695045

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
  • 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)

    • Review & Overview

    Susquehanna Community Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Susquehanna Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Lewisburg, Sunbury, Williamsport, Selinsgrove, and Bloomsburg among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Susquehanna Community 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. Susquehanna Community 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.

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    Originations

    326

    Origination Dollar Volume (All Markets)

    $63,860,000
    Show all (8) 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
    Lewisburg, PA (FHA|USDA|VA) 102 $19,840,000 $194,510 $3,624 3.04%
    Sunbury, PA (FHA|USDA|VA) 104 $15,300,000 $147,115 $3,451 3.20%
    WILLIAMSPORT, PA (FHA|USDA|VA) 31 $12,615,000 $406,935 $3,487 3.29%
    Selinsgrove, PA (FHA|USDA|VA) 60 $10,140,000 $169,000 $3,484 3.18%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 11 $2,155,000 $195,909 $4,473 3.46%
    STATE COLLEGE, PA (FHA|USDA|VA) 2 $660,000 $330,000 $4,187 2.88%
    Outside of Metro Areas 4 $620,000 $155,000 $3,581 2.91%
    Lock Haven, PA (FHA|USDA|VA) 2 $520,000 $260,000 $4,265 2.94%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $505,000 $505,000 $5,234 3.13%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $370,000 $185,000 $3,295 2.88%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $325,000 $325,000 $4,129 2.88%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $225,000 $225,000 $3,458 2.88%
    READING, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,631 2.88%
    LANCASTER, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,225 2.88%
    Lewistown, PA (FHA|USDA|VA) 2 $140,000 $70,000 $2,733 3.19%
    Sayre, PA (FHA|USDA|VA) 1 $75,000 $75,000 $2,867 3.75%
    Susquehanna Community Bank's top markets include Lewisburg, Sunbury, Williamsport, Selinsgrove, and Bloomsburg among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Susquehanna Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    HORIZON Federal Credit Union
    Similarity Rank: 98
    SERVICE 1ST
    Similarity Rank: 196
    Susquehanna Community Bank
    Similarity Rank: 208
    First Columbia Bank & Trust Co.
    Similarity Rank: 260
    Mortgage America, Inc.
    Similarity Rank: 330
    Jersey Shore State Bank
    Similarity Rank: 475
    Citizens & Northern Bank
    Similarity Rank: 528
    FIRST HERITAGE FINANCIAL, LLC
    Similarity Rank: 754
    PENNSYLVANIA STATE EMPLOYEES Credit Union
    Similarity Rank: 874
    First Commonwealth Bank
    Similarity Rank: 1548

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 326 $63,860,000 $195,890 $3,561 3.15%

    For 2020, Susquehanna Community Bank's most frequently originated type of loan was Conventional, with 326 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 140 $26,670,000 $190,500 $3,839 3.31%
    Refi 101 $18,585,000 $184,010 $3,429 3.04%
    Cash Out Refi 81 $15,165,000 $187,222 $3,328 2.97%
    Home Improvement 4 $3,440,000 $860,000 $0 3.87%

    For 2020, Susquehanna Community Bank's most frequently cited loan purpose was Home Purchase, with 140 originations. The 2nd most popular reason was Refi, with 101 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 208 $38,080,000 $183,077 $3,458 3.05%
    20 Year 70 $11,280,000 $161,143 $3,287 3.41%
    15 Year 34 $4,810,000 $141,471 $3,336 3.01%
    30+ year 8 $2,460,000 $307,500 $8,283 3.81%
    Other 4 $7,080,000 $1,770,000 $0 3.66%
    10 Year 2 $150,000 $75,000 $0 3.70%

    For 2020, Susquehanna Community Bank's most frequently cited loan duration was 30 Year, with 208 originations. The 2nd most popular length was 20 Year, with 70 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 267 $47,855,000 $179,232
    $3k-4k 5 $1,315,000 $263,000
    $2k-3k 4 $680,000 $170,000
    $5k+ 3 $1,155,000 $385,000
    $1k-2k 1 $115,000 $115,000
    $4k-5k 1 $385,000 $385,000

    Susquehanna Community Bank's average total fees were $3,458, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 267 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 215 $39,765,000 $184,953
    3-4% 95 $21,955,000 $231,105
    4-5% 13 $1,675,000 $128,846
    <2.5% 2 $360,000 $180,000
    5-6% 1 $105,000 $105,000

    During 2020, Susquehanna Community Bank's average interest rate for loans was 3.05%, while their most frequently originated rate bucket for loans was 2.5-3%, with 215 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 150 $22,160,000 $147,733 $3,269 3.11%
    $200k-400k 102 $26,180,000 $256,667 $4,064 3.02%
    $100,000 or less 63 $4,405,000 $69,921 $2,827 3.42%
    $400k-600k 8 $3,850,000 $481,250 $6,523 3.34%
    $1MM+ 2 $6,550,000 $3,275,000 $0 3.70%
    $600k-1MM 1 $715,000 $715,000 $0 3.85%

    2020 saw Susquehanna Community Bank place emphasis on $100k-200k loans with 150 originations, totaling $22,160,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 80 $16,770,000 $209,625 $4,081 3.12%
    $50k or less 65 $7,645,000 $117,615 $3,040 3.12%
    $75k-100k 64 $11,240,000 $175,625 $3,484 3.17%
    $50k-75k 63 $8,265,000 $131,190 $3,276 3.12%
    $150k-250k 30 $7,820,000 $260,667 $3,924 3.07%
    $250k+ 9 $2,775,000 $308,333 $4,211 2.92%

    Susquehanna Community Bank lent most frequently to those with incomes in the $100k-150k range, with 80 originations. The second most popular income band? $50k or less, with 65 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 86 $14,730,000 $171,279 $3,469 3.10%
    30-36% 55 $9,705,000 $176,455 $3,419 2.96%
    <20% 46 $8,600,000 $186,957 $3,377 2.94%
    40% 14 $2,390,000 $170,714 $3,724 3.22%
    44% 13 $2,855,000 $219,615 $3,715 3.06%
    38% 12 $2,450,000 $204,167 $4,182 3.15%
    43% 12 $2,190,000 $182,500 $3,357 3.00%
    36% 11 $1,685,000 $153,182 $3,660 3.02%
    37% 9 $1,395,000 $155,000 $3,609 3.00%
    >60% 7 $735,000 $105,000 $0 3.59%
    39% 7 $1,135,000 $162,143 $3,330 3.32%
    41% 7 $1,165,000 $166,429 $4,272 3.02%
    50-60% 6 $710,000 $118,333 $0 4.29%
    46% 6 $1,130,000 $188,333 $3,852 3.48%
    48% 4 $790,000 $197,500 $3,530 3.13%
    42% 4 $930,000 $232,500 $5,696 3.69%
    49% 3 $615,000 $205,000 $3,611 3.13%
    45% 3 $605,000 $201,667 $4,328 2.79%
    47% 1 $175,000 $175,000 $3,571 3.00%

    Susquehanna Community Bank lent most frequently to those with DTI ratios of 20-30%, with 86 originations. The next most common DTI ratio? 30-36%, with 55 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 306 $53,690,000 $175,458 $3,560 3.12%
    Not applicable 15 $9,345,000 $623,000 $0 3.80%
    Asian 5 $825,000 $165,000 $3,686 3.20%

    Approval Rates

    Total approvals of all applications
    95.32%

    Susquehanna Community 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
    88.04%

    Susquehanna Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 326 $63,860,000 $195,890

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 7 $7,945,000 $1,135,000
    Single Family (1-4 Units):Site-Built 319 $55,915,000 $175,282

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 13 $1,945,000 $149,615 $3,009 3.40%
    40-60% 45 $7,825,000 $173,889 $3,340 3.02%
    60-80% 151 $26,545,000 $175,795 $3,545 3.18%
    80-100% 116 $27,440,000 $236,552 $3,701 3.14%
    Under 20% 1 $105,000 $105,000 $0 3.60%