port washington state bank mortgage rates

Commerce Bank offers personal and business banking, checking, mortgages, loans, investing, credit cards & more. Visit us online or at one of our locations. We're more than your money people. We're here to help you and your community grow. Join us to see how personal service can make big things happen. Loans / Mortgages / Home Equity / Credit Cards / Deposits / Share Certificates / IRA Certificates / Money Market. Loan Rates Rates Effective: May 24, 2021.
port washington state bank mortgage rates

Port Washington State Bank

Port Washington State Bank (PWSB) is a community bank serving the needs of Southeastern Wisconsin, specializing in business banking, retail banking and mortgage lending. The secret to their 121-year longevity is putting customers and communities at the center of their business. That focus has led them to offer port washington state bank mortgage rates a personalized experience with a blend of 21st century technology. PWSB takes customer service seriously. On the personal banking side, they take pride in knowing many customers by name. For business clients, they focus on being responsive and reliable partners. To deliver on both promises, they retain and train top talent in the market by focusing on learning and development, employee engagement and shared experiences. PWSB invests in the community with donations, sponsorships and volunteer hours to support parks, pastimes and local events for the next generation to experience. Read more

Mission

Our mission is to provide a broad array of sound and proven financial management tools and services to our customers to enable our customers to achieve their financial goals and enjoy life to the fullest. We will provide these services in friendly, convenient settings utilizing modern technology, yet relying on the truly personalized service that has been the hallmark of our five-generation family business since 1899. Read port washington state bank mortgage rates https://topworkplaces.com/company/port-washington-stat/jsonline/

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Mortgage Rates

Mortgage Loan Rates

Rates Effective as of 12/3/2021

 30 Year Fixed20 Year Fixed15 Year Fixed10 Year Fixed
Interest Rate3.150%2.900%2.525%2.400%
APR***3.264%3.059%2.730%

2.696%

Payment Port washington state bank mortgage rates years20 years15 years10 years
Estimated Prepaid Finance Charges****$2,150$2,150$2,150$2,150
Loan Amount$150,000$150,000$150,000$150,000
Down Payment20%20%20%20%
Monthly Principal & Interest Payment**$644.81$822.63$1,002.00$1,398.04

Rates Subject to Change

*Information displayed is accurate as of the date of the latest update and is subject to change without notice.

**The monthly payment amount displayed includes principal and interest only. The payment amount does not include homeowners insurance or property taxes which must be paid in addition to your loan payment.

***The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges, including 1% of your loan amount port washington state bank mortgage rates be applied to the origination charge, but does not include other closing costs or discount points.

****The approximate cost of prepaid finance charges does not constitute and is not a substitute for the Loan Estimate of closing costs (LE) that you will receive once you apply for a loan. This is not a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs.

Источник: https://www.fsbbyron.com/loans/mortgage/mortgage-rates

The Port Washington State Bank

Bank's Headquarters:

206 North Franklin Street
Port Washington, Wisconsin 53074

Became FDIC Insured:

Jan 1, 1934

Bank Class:

Commercial bank, state charter and Fed nonmember, supervised by the FDIC.

Last Structure Change:

2007-02-19

In more than one state?

No

Bank Specialty/Focus:

Commercial Lending Specialization

Bank Holding Company:

Port Bancshares, Inc.

Parent FDIC Cert#:

NA - Not listed as a child of a larger bank.

Deposits Held Domestically:

$529,649

FDIC Supervisory Region:

Chicago

Federal Reserve District:

Chicago

FDIC Field Office:

Milwaukee

Average Customer Rating

0 out of 5 stars from 0 reviews.

Average Customer Star Rating

8698-The Port Washington State Bank


Reviews

We currently have no ratings or reviews for this bank location. If you have used their banking services in the past please consider leaving a review or rating for future vistors to this page - it is very much appreciated!

Источник: https://www.wheresmybank.com/banks-8698-the-port-washington-state-bank

The First national bank of scotia online Washington State Bank Mequon, Wisconsin

1-6 of 6 bank branches. Page 1 of 1.




The Port Washington State Bank

Established1899-09-11
Branches8
Total Assets$857,870K
Deposits$783,437K
US Deposits$783,437K
Net Income$2,867,000
More Information.

Major Banks

BMO Harris Bank, 44
U.S. Bank, 29
Associated Bank, 25
PNC Bank, 18
JPMorgan Chase Bank, 15
North Shore Bank, FSB, 13
Town Bank, 10
Tri City National Bank, 10
Bank Five Nine, 10
WaterStone Bank, SSB, 9
Wells Fargo Bank, 9
The Huntington National Bank, 8
Westbury Bank, 6
First-Citizens Bank & Trust Company, 6
The Port Washington State Bank, 6
First Midwest Bank, 5
Waukesha State Bank, 5
Johnson Bank, 4
Commerce State Bank, 3
Bank of England, 2
All Banks .

Источник: https://www.usbanklocations.com/the-port-washington-state-bank-mequon-wi.htm

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Is Port Washington State Bank a cheap or expensive mortgage lender? To help you shop for a mortgage, we compare the interest rates and closing costs charged by Port Washington State Bank to those of other lenders for a comparable set of borrowers. Here is our review of Port Washington State Bank nationally:

Review ItemPort Washington State Bank
Interest Ratelower than other lenders (-0.14%)
Loan Related Closing Costshigher than other lenders (+$425)
National Rate and Closing Cost Star Rating(4)

On average, Port Washington State Bank’s interest rates were lower than those of other lenders (-0.14%). On the other hand, its loan related closing costs were higher than those of other lenders, with a difference of +$425. Overall, combining interest rates and closing costs we estimate that Port Washington State Bank tends to be a cheap lender, and give it a National Rate and Closing Costs Rating of 4 out of 5 stars.

We maintain our independence by not accepting any money from the mortgage lenders we review. To visit Port Washington State Bank, check out its website at: https://pwsb.bank.

Port Washington State Bank’s Rate Review by City

Mortgage lenders often set different rates in different geographical markets. For our list of the top mortgage lenders by city, click here. In particular, among the cities we track Port Washington State Bank was most active in:

  1. Milwaukee, WI
  2. Sheboygan, WI
  3. Rhinelander, WI
  4. Appleton, WI
  5. Green Bay, WI

Port Washington State Bank’s Rate Review by Mortgage Type

Mortgage lenders also tend to charge different interest rates and closing costs depending on the type of mortgage. In our data, Port Washington State Bank originated Conforming mortgages for new home purchases. It also originated Conforming and Jumbo mortgages for refinances. Its average interest rate and total loan related closing cost difference relative to other lenders for comparable borrowers by mortgages type is as follows.

Purchase/Refinance:

New Purchase MortgagesConforming
Interest Rate Difference-0.15%
Loan Related Closing Cost Difference+$467
Cost Adjusted Rate Difference-0.12%
National Star Rating(4)
Refinance MortgagesConformingJumbo
Interest Rate Difference-0.14%+0.00%
Loan Related Closing Cost Difference+$401+$0
Cost Adjusted Rate Difference-0.11%+0.00%
Average Star Rating(4)(3.5)

As a summary, Port Washington State Bank is cheap for Conforming purchase mortgages. For refinancing mortgages, Port Washington State Bank is cheap for Conforming mortgage refinance. It is similar to other lenders for Jumbo mortgage refinance. Nevertheless, individual circumstances can matter a lot for mortgage rates, and we always recommend shopping among several of our top mortgage lenders in your area before signing.

Other information about Port Washington State Bank:

Registered name: The Port Washington State Bank
Registered city and state: PORT WASHINGTON, WI, 53074
Regulator: Federal Deposit Insurance Corporation (FDIC)
Top holder: PORT BANCSHARES, INC.

* Source of the data is Federal Financial Institutions Examination Council (FFIEC) and is for mortgages originated in the past year. Our comparable mortgages analysis controls for Port Washington State Bank’s distribution of loan term (e.g. 30 year vs 15 year), loan-to-value (LTV), debt-to-income (DTI), loan amount, loan program (e.g. Conforming/FHA), loan purpose (e.g. purchase/refinance), and commuting zone. Cost adjusted rates were computed based on each percent of the loan amount in above average loan related closing costs being worth +0.15 of a percentage point in interest rate. Furthermore, the amounts are regularized using a Bayesian approach to control for small samples.

Источник: https://mortgagewaldo.com/mortgage-lender-statistics/549300bpoihohg3tpp54-the-port-washington-state-bank/

Mortgage Rates

Mortgage Loan Rates

Rates Effective as of 12/3/2021

 30 Year Fixed20 Year Fixed15 Year Fixed10 Year Fixed
Interest Rate3.150%2.900%2.525%2.400%
APR***3.264%3.059%2.730%

2.696%

Payment Term30 years20 years15 years10 years
Estimated Prepaid Finance Charges****$2,150$2,150$2,150$2,150
Loan Amount$150,000$150,000$150,000$150,000
Down Payment20%20%20%20%
Monthly Principal & Interest Payment**$644.81$822.63$1,002.00$1,398.04

Rates Subject to Change

*Information displayed is accurate as of the date of the latest update and is subject to change without notice.

**The monthly payment amount displayed includes principal and interest only. The payment amount does not include homeowners insurance or property taxes which must be paid in addition to your loan payment.

***The displayed Annual Percentage Rate (APR) for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges, including 1% of your loan amount to be applied to the origination charge, but does not include other closing costs or discount points.

****The approximate cost of prepaid finance charges does not constitute and is not a substitute for the Loan Estimate of closing costs (LE) that you will receive once you apply for a loan. This is not a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs.

Источник: https://www.fsbbyron.com/loans/mortgage/mortgage-rates

Port Washington State Bank

Port Washington State Bank (PWSB) is a community bank serving the needs of Southeastern Wisconsin, specializing in business banking, retail banking and mortgage lending. The secret to their 121-year longevity is putting customers and communities at the center of their business. That focus has led them to offer customers a personalized experience with a blend of 21st century technology. PWSB takes customer service seriously. On the personal banking side, they take pride in knowing many customers by name. For business clients, they focus on being responsive and reliable partners. To deliver on both promises, they retain and train top talent in the market by focusing on learning and development, employee engagement and shared experiences. PWSB invests in the community with donations, sponsorships and volunteer hours to support parks, pastimes and local events for the next generation to experience.... Read more

Mission

Our mission is to provide a broad array of sound and proven financial management tools and services to our customers to enable our customers to achieve their financial goals and enjoy life to the fullest. We will provide these services in friendly, convenient settings utilizing modern technology, yet relying on the truly personalized service that has been the hallmark of our five-generation family business since 1899.... Read more

Источник: https://topworkplaces.com/company/port-washington-stat/jsonline/

Washington Mortgage and Refinance Rates

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money.

Washington mortgage overview

By Dhara Singh

The Evergreen State is home to approximately 7.5 million residents. The state had a homeownership rate of 63.8 percent in 2019, according to data from the Federal Reserve Bank of St. Louis. With a median home price of $362,100 as of 2018, Washington homes are slightly higher than the national average as of Q1 2020, $327,100.

To help individuals and families purchase a home, resources include the Washington Homeownership Resource Center, a nonprofit with a website, hotline and portal with resources for first-time homebuyers, current owners and those who may be facing foreclosure or other hardships; the Washington State Department of Financial Institutions, designed to protect homeowners and buyers and offering free counseling services; and the Washington State Housing Finance Commission (WSHFC), founded in 1983, which sponsors homebuyer education programs.

Top 5 Bankrate mortgage lenders in Washington

  • Better.com – Best overall
  • Fairway Independent Mortgage Corporation – Best for low-credit score borrowers
  • Accelin Loans – Best for jumbo loans
  • Cardinal Financial Company – Best for FHA loans
  • Blue Sky Financial – Best broker

Methodology

Bankrate helps thousands of borrowers find mortgage and refinance lenders every day. To determine the top mortgage lenders, we analyzed proprietary data across more than 150 lenders to assess which on our platform received the most inquiries within a three-month period. We then assigned superlatives based on factors such as fees, products offered, convenience and other criteria. These top lenders are updated regularly.

Better.com - Best overall

With Better.com, you can get preapproved in three minutes (given you’re eligible) so you can immediately start shopping for a home. Once you put in an offer and go to contract, you’ll always be able to get help: The lender offers 24/7 support via text, chat and email. It’s a super-simple, all-digital approach to buying a home that speeds up the closing process: according to the lender, it typically closes 10 days faster than the industry average.

Strengths: No fees; guaranteed on-time closing or you get $2,000; simple and streamlined online process

Weaknesses: No home equity lines of credit (HELOCs); no branch locations in Washington (or anywhere)

Read Bankrate's Better.com mortgage review

Fairway Independent Mortgage Corporation – Best for low credit core borrowers

A low credit score might make you think homebuying isn’t in your future, but Fairway Independent Mortgage Corporation prides itself on working with low- and moderate-income borrowers, particularly those who are purchasing in a rural part of Washington. The USDA named it its top lender in 2020 for assisting more than 4,600 homeowners secure USDA-backed loans.

Strengths: FairwayNOW mobile app makes tracking your application and communicating with a loan officer easy; loads of helpful online calculators and resources to educate you on the ins and outs of buying a home; more than 50 branches throughout Washington

Weaknesses: Doesn’t list mortgage rates or fees online; no home equity lines of credit (HELOCs)

Read Bankrate's Fairway Independent Mortgage Corporation review

Accelin Loans – Best for jumbo loans

When you’re borrowing a bigger-than-normal chunk of cash, you want to save as much as possible on additional fees. Accelin Loans offers jumbo loans as large as $2.5 million with reduced lender fees. Plus, it’s a mortgage broker, so you’ll be able to compare multiple options to determine the best fit for your finances.

Strengths: Broker helps collect multiple loan options for your review; convenient online application process

Weaknesses: Interest rates and lender fees not available online

Read Bankrate's Accelin Loans mortgage review

Cardinal Financial Company – Best for FHA loans

Cardinal Financial Company’s FHA loan requirements allow borrowers to have a credit score as low as 550. Additionally, the lender has a manual underwriting process to consider borrowers with limited credit histories. Borrowers with an FHA loan can also take advantage of a streamline refinance, which do not require an appraisal.

Strengths: E-signing option; great reviews on Trustpilot (4.1 out of five stars)

Weaknesses: Fees not disclosed online; must request a rate quote

Read Bankrate's Cardinal Financial mortgage review

Blue Sky Financial – Best broker

In addition to shopping around for the best mortgage rates for a home loan, Blue Sky Financial’s Home Concierge Service helps match you with the best real estate agent. The Idaho-based discount broker’s website offers instant rate estimates based on your credit score, down payment and a few other basic details — without requiring you to hand over your name and email address.

Strengths: Online loan pricer generates quick APR estimates; free concierge service helps connect you with a vetted real estate agent; 10-minute online application

Weaknesses: Website has limited information; broker has only been around since 2020

Read Bankrate's Blue Sky Financial review

First-time homebuyer programs in Washington

In Washington, qualifying homebuyers may have access to a variety of homebuyer programs and educational opportunities to help them through the buying process, including the:

  • Home Advantage Program: This state program is for new homebuyers — either first-time homebuyers or those who have owned in the past but do not currently. Through it, qualifying buyers can receive up to 4 percent of the first mortgage price in down payment assistance. The borrower is required to attend a free five-hour homebuyer education course in order to qualify.
  • House Key Opportunity Program: Designed exclusively for first-time homebuyers, this state bond program requires borrowers to complete a homebuyer education course and work with a state-approved lender. There are county-specific home value limits, with the statewide limit set at $510,400. Since the program is designed for low- to moderate-income borrowers, there are county-specific household income limits. For instance, in Pierce County, a one- or two-person household must earn an annual income of $85,000 or less. The program is available to those using certain down payment assistance programs, including Opportunity, HomeChoice, Veterans, Seattle, Tacoma, ARCH East King County, Bellingham and Pierce County. There are exceptions for those purchasing new construction or a home in a community land trust.

Washington mortgage refinancing

If you’re looking to refinance a home in Washington, private lenders, banks and mortgage brokers are options, as the Washington State Housing Finance Commission doesn’t offer any programs specifically for refinancing.

Regardless of the lending institution, it’s important to note that you don’t have to refinance with the same lender who holds your current mortgage. It’s smart to identify your goals in refinancing (such as a lower monthly mortgage payment or a shorter term), do your research and shop around and make sure you’re getting the best possible rate and terms.

Washington mortgage resources

Источник: https://www.bankrate.com/mortgages/mortgage-rates/washington/
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