Bendena State Bank Mortgage Rates, Fees & Info
BENDENA, KSLEI: 2549003L98A6Z3YX9T46
Tax ID: 48-0137140
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Mortgage Data
Review & Overview
Bendena State Bank is a smaller bank specializing in Refi, Cash Out Refi, and Home Purchase loans. Bendena State Bank has a high proportion of conventional loans. Their top two markets are St. Joseph and Atchison .Bendena State Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
37Origination Dollar Volume (All Markets)
$2,335,000Top 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 |
|---|---|---|---|---|---|
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 27 | $1,785,000 | $66,111 | $0 | 0.00% |
| Atchison, KS (FHA|USDA|VA) | 7 | $415,000 | $59,286 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $135,000 | $45,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 37 | $2,335,000 | $63,108 | $0 | 0.00% |
For 2018, Bendena State Bank's most frequently originated type of loan was Conventional, with 37 originations.
Loan Reason
For 2018, Bendena State Bank's most frequently cited loan purpose was Refi, with 15 originations. The 2nd most popular reason was Cash Out Refi, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 37 | $2,335,000 | $63,108 | $0 | 0.00% |
For 2018, Bendena State Bank's most frequently cited loan duration was Other, with 37 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 28 | $1,170,000 | $41,786 | $0 | 0.00% |
| $100k-200k | 9 | $1,165,000 | $129,444 | $0 | 0.00% |
2018 saw Bendena State Bank place emphasis on $100,000 or less loans with 28 originations, totaling $1,170,000 in origination value.
Applicant Income
Bendena State Bank lent most frequently to those with incomes in the $50k-75k range, with 9 originations. The second most popular income band? $75k-100k, with 8 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 37 | $2,335,000 | $63,108 | $0 | 0.00% |
Bendena State Bank lent most frequently to those with DTI ratios of Exempt%, with 37 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 31 | $2,005,000 | $64,677 | $0 | 0.00% |
| Not applicable | 6 | $330,000 | $55,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications88.64%
Bendena State Bank has an average approval rate.
Pick Rate
Approvals leading to origination94.59%
Bendena State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 37 | $2,335,000 | $63,108 |