Lending Product Rates

Which rates do you need today?
Mortgage Loan Rates
Construction Loan Rates
Hometown Loan Rates (Special!)
Home Equity Loan Rates 
Line of Credit Rates
Other Loan Rates

 

All rates effective as of June 22, 2018.
Please note that the rates are subject to change without notice.


Fixed Mortgage Loan Rates (1-4 Family Owner Occupied)

TermInterest Rate (%)APR*(%)
10 Year Loan3.8754.149
15 Year Loan3.8754.066
20 Year Loan4.3754.652
30 Year Loan4.5004.707
Other Specific Rates and Term are Available

* Annual Percentage Rate (APR) is subject to change without notice.
The APR is accurate for a fixed rate home mortgage loan of $150,000 with a loan to value ratio (LTV) of 80%.
Higher LTV may require private mortgage (PMI) insurance, which will increase the APR.

The monthly principal and interest payment on $150,000 for 10-year is $1,509.78, 15-year is $1,100.16, 20-year is $938.88 and 30-year is $760.03. Property insurance is required.


 


Construction Loans - Fixed Rates

Term Interest Rate (%)APR*(%)
15 Year Loan3.8754.206
20 Year Loan4.6254.897
30 Year Loan4.7504.954
Other Specific Rates and Term are Available

* Annual Percentage Rate (APR) is subject to change without notice.
The APR is accurate for a fixed rate home mortgage loan of $150,000 with a loan to value ratio (LTV) of 80%.

The monthly principal and interest payment on $150,000 for a 15-year is $1,100.16, 20-year is $959.13, and 30-year is $782.47. Property insurance is required.


 

Adjustable Rate Mortgage Loan Rates (1-4 Family Owner Occupied)

Product NameInterest Rate (%)APR*(%)
5/1 ARM3.7505.107
* Annual Percentage Rate (APR) is subject to change without notice and is based on a $150,000 loan with a loan to value ratio (LTV) of 80% at an initial interest rate of 3.500% The interest rate will adjust annually after the initial five year fixed lock-in period.
In the 6th year, the new interest rate will be based on an index (the weekly average yield for U.S. Treasury Securities adjusted to a constant maturity of one year rounded to the nearest one eighth percent), plus 3.500%.
The adjustment is limited to an increase or decrease of 2 percentage points annually. The interest rate cannot decrease to less than 3.500%.
For example, for every $1,000 borrowed at the initial interest rate of 3.000% there will be 60 fixed payments of $4.08. During the next 300 payments, the maximum amount that the interest rate can increase is 6 percentage points or 9.000% at a maximum payment of $7.87 . These payments do not include tax escrow or insurance payments.


 

Hometown Loan (Single family owner occupied)

TermInterest Rate (%)APR*(%)
15 Year 3.8754.396
20 Year 4.6255.044
30 Year 4.7505.059
Call us to see if you qualify for this special rate!

* Annual Percentage Rate (APR) is subject to change without notice.
The APR is accurate for a fixed rate home mortgage loan of $50,000
LTV great than 80% requires private mortgage (PMI) insurance.
The monthly principal and interest payment on $50,000 for a 15 year loan is $366.72, 20 year loan is $319.71, and a 30 year loan is $260.82. Geographic and income restrictions apply.


 

Home Equity Loan ($10,000 - $453,100)

TermLoan Amount ($)Interest Rate (%)PAYMENT**APR(%)
*/ **
5 Year Loan - First Lien Position
10,000 to 453,100***3.500$181.923.983
5 Year Loan - Second Lien Position
10,000 to 453,100***4.000$184.174.486
10 Year Loan - First Lien Position10,000 to 453,100***3.800$100.304.053
10 Year Loan - Second Lien Position10,000 to 453,100***4.500$103.644.756
15 Year Loan - First Lien Position10,000 to 453,100***4.250$75.234.427
15 Year Loan - Second Lien Position10,000 to 453,100***5.000$79.085.181
* Annual Percentage Rate (APR) is subject to change without notice.
Minimum required loan balance is $10,000.
Property must be a 1- 4 family owner occupied property.
Existing loan customers must increase their current loan amount by $5,000 to obtain new rate.
Maximum loan to value (LTV) of 89.9%. Auto-payment from a Standard Bank checking account is required.
Property and flood insurance may be required if applicable.
An appraisal may be required.
Closing costs may range from $400.00 to $850.00.
Applicable recording stamps for the State of Maryland must be paid by the borrower.

** All Payments and APRs are based on $10,000.

***Loans over $400,000 require Title Insurance.


 

Interest Only - Home Equity Line of Credit

Loan Amount ($)*Interest Rate
$10,000 to $453,100Prime Rate Minus .51% ***
~Special~ > .99% for 6 months!
*Interest Rate is subject to change without notice.
An appraisal may be required. Maximum Loan to Value 85%.
Closing costs may range from $250.00 to $825.00.
Auto-payment from a Standard Bank checking account is required***
Applicable recording stamps for the State of Maryland must be paid by the borrower.
Property must be a 1-4 family, owner occupied property.
Interest rate may increase after consummation of the loan.
Variable Rate is based on the Prime Rate (currently 5.00%)
The Maximum APR over the life of the line can not exceed 18%
Property insurance is required on the property that secures your account. Flood Insurance may be required.
Lines in excess of $400,000 require Title Insurance.
$50 annual fee (waived for first year)


 

Other Products

ProductSpecifics
New and Used Auto LoansContact your Local Office for Details / Rates and Terms

 

 

Back to Top

CD Special! 

Apply Now! 

You can now apply online for your home equity or mortgage loan! It's easy and secure. When you are finished, a mortgage specialist will call to help you finish the application or explain the next step.

Apply Now

Need Assistance?

(412) 856-0358
Standard Bank's Mortgage Loan Department is open during regular business hours. Our Mortgage Loan Specialists are awaiting your call! Need an office phone number? Visit our Locations page.

directloans@standardbankpa.com