County National Bank Mortgage Rates, Fees & Info
Hillsdale, MILEI: 549300W07W12OUENKR02
Tax ID: 38-0650660
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Mortgage Data
Review & Overview
County National Bank is a smaller bank specializing in Home Purchase and Refi loans. County National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Jackson, Hillsdale, Lansing, Adrian, and Miami among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)County National 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. County National Bank is typically an average 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 relatively high 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.09% | 12/16/24 |
| 30 Year Conventional Refi | 6.95% | 12/16/24 |
| 30 Year Cash-out Refi | 6.98% | 12/16/24 |
| 15 Year Conventional Purchase | 6.24% | 12/16/24 |
| 15 Year Conventional Refi | 6.37% | 12/16/24 |
| 15 Year Cash-out Refi | 6.37% | 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. | ||
County National Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from County National 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
276Origination Dollar Volume (All Markets)
$73,850,000Awards
County National Bank - 2023
County National Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
County National Bank's average 30 year fixed mortgage rate was
6.91%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.43%.
Relative Fees (Closing Costs)
County National Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,735.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| JACKSON, MI (FHA|USDA|VA) | 100 | $22,930,000 | $229,300 | $4,212 | 7.01% |
| Hillsdale, MI (FHA|USDA|VA) | 80 | $11,900,000 | $148,750 | $4,145 | 7.05% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 7 | $11,065,000 | $1,580,714 | $5,230 | 7.38% |
| Adrian, MI (FHA|USDA|VA) | 43 | $7,685,000 | $178,721 | $4,688 | 7.23% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $4,625,000 | $4,625,000 | $50,318 | 7.88% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 10 | $4,620,000 | $462,000 | $3,391 | 7.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 8 | $2,610,000 | $326,250 | $4,874 | 7.30% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $1,675,000 | $1,675,000 | $27,128 | 6.63% |
| Coldwater, MI (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $4,730 | 6.38% |
| Outside of Metro Areas | 8 | $1,220,000 | $152,500 | $3,579 | 6.52% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $11,570 | 7.56% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 6.82% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $8,176 | 6.25% |
| MONROE, MI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,540 | 6.63% |
| NILES, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 7.49% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,182 | 6.50% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,864 | 7.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,670 | 7.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,848 | 6.63% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against County National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 45
Similarity Rank: 90
Similarity Rank: 242
Similarity Rank: 252
Similarity Rank: 294
Similarity Rank: 315
Similarity Rank: 448
Similarity Rank: 640
Similarity Rank: 670
Similarity Rank: 728
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 276 | $73,850,000 | $267,572 | $4,646 | 7.06% |
For 2023, County National Bank's most frequently originated type of loan was Conventional, with 276 originations.
Loan Reason
For 2023, County National Bank's most frequently cited loan purpose was Home Purchase, with 196 originations. The 2nd most popular reason was Cash Out Refi, with 35 originations.
Loan Duration/Length
For 2023, County National Bank's most frequently cited loan duration was 30 Year, with 159 originations. The 2nd most popular length was 20 Year, with 55 originations.
Origination Fees/Closing Costs
County National Bank's average total fees were $4,735, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 60 originations.
Interest Rates
During 2023, County National Bank's average interest rate for loans was 6.91%, while their most frequently originated rate bucket for loans was 6-7%, with 143 originations.
Loan Sizing
2023 saw County National Bank place emphasis on $100k-200k loans with 112 originations, totaling $16,060,000 in origination value.
Applicant Income
County National Bank lent most frequently to those with incomes in the $50k or less range, with 63 originations. The second most popular income band? $50k-75k, with 53 originations.
Applicant Debt to Income Ratio
County National Bank lent most frequently to those with DTI ratios of 20-30%, with 50 originations. The next most common DTI ratio? 30-36%, with 40 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.50%
County National Bank has an average approval rate.
Pick Rate
Approvals leading to origination82.61%
County National Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 276 | $73,850,000 | $267,572 |