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 loans. County National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Jackson, Hillsdale, Adrian, Detroit, and Battle Creek among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)County National Bank has an 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 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 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% | 11/21/24 |
| 30 Year Conventional Refi | 6.95% | 11/21/24 |
| 30 Year Cash-out Refi | 6.98% | 11/21/24 |
| 15 Year Conventional Purchase | 6.24% | 11/21/24 |
| 15 Year Conventional Refi | 6.37% | 11/21/24 |
| 15 Year Cash-out Refi | 6.37% | 11/21/24 |
| 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. | ||
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
422Origination Dollar Volume (All Markets)
$90,020,000Awards
County National Bank - 2022
County National Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 168 | $34,780,000 | $207,024 | $4,165 | 5.00% |
| Hillsdale, MI (FHA|USDA|VA) | 116 | $18,920,000 | $163,103 | $3,789 | 5.08% |
| Adrian, MI (FHA|USDA|VA) | 48 | $11,190,000 | $233,125 | $4,256 | 5.05% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 10 | $3,830,000 | $383,000 | $7,135 | 4.83% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 21 | $3,075,000 | $146,429 | $3,547 | 4.52% |
| ANN ARBOR, MI (FHA|USDA|VA) | 9 | $3,035,000 | $337,222 | $5,292 | 4.71% |
| Outside of Metro Areas | 9 | $2,095,000 | $232,778 | $3,889 | 5.21% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 12 | $1,960,000 | $163,333 | $3,951 | 5.18% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,790,000 | $895,000 | $0 | 3.39% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $4,021 | 4.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 3.50% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $0 | 5.99% |
| FLINT, MI (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 5.59% |
| Coldwater, MI (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $4,301 | 5.30% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,383 | 4.75% |
| Key West, FL (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $12,013 | 6.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,276 | 5.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 3.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 5.49% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,441 | 5.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,669 | 5.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,208 | 6.38% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.89% |
| Cadillac, MI (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,444 | 6.06% |
| MONROE, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.05% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.00% |
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: 224
Similarity Rank: 240
Similarity Rank: 264
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Similarity Rank: 460
Similarity Rank: 528
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Similarity Rank: 667
Similarity Rank: 671
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 422 | $90,020,000 | $213,318 | $4,126 | 5.00% |
For 2022, County National Bank's most frequently originated type of loan was Conventional, with 422 originations.
Loan Reason
For 2022, County National Bank's most frequently cited loan purpose was Home Purchase, with 274 originations. The 2nd most popular reason was Cash Out Refi, with 78 originations.
Loan Duration/Length
For 2022, County National Bank's most frequently cited loan duration was 30 Year, with 231 originations. The 2nd most popular length was 20 Year, with 77 originations.
Origination Fees/Closing Costs
County National Bank's average total fees were $3,994, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 132 originations.
Interest Rates
During 2022, County National Bank's average interest rate for loans was 5.21%, while their most frequently originated rate bucket for loans was 5-6%, with 136 originations.
Loan Sizing
2022 saw County National Bank place emphasis on $100k-200k loans with 163 originations, totaling $23,535,000 in origination value.
Applicant Income
County National Bank lent most frequently to those with incomes in the $50k-75k range, with 96 originations. The second most popular income band? $50k or less, with 91 originations.
Applicant Debt to Income Ratio
County National Bank lent most frequently to those with DTI ratios of 20-30%, with 86 originations. The next most common DTI ratio? 30-36%, with 75 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.60%
County National Bank has an average approval rate.
Pick Rate
Approvals leading to origination72.99%
County National Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 422 | $90,020,000 | $213,318 |