Germantown Trust & Savings Bank Mortgage Rates, Fees & Info

Breese, IL

LEI: 2549005HG8EMM4748S60

Tax ID: 37-0291490

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Germantown Trust & Savings Bank is a smaller bank specializing in Home Purchase loans. Germantown Trust & Savings Bank has a high proportion of conventional loans. Their top two markets are St. Louis and Centralia .

    Germantown Trust & Savings 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.

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    Originations

    69

    Origination Dollar Volume (All Markets)

    $11,225,000

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 63 $9,435,000 $149,762 $0 0.00%
    Centralia, IL (FHA|USDA|VA) 4 $1,190,000 $297,500 $0 0.00%
    Outside of Metro Areas 2 $600,000 $300,000 $0 0.00%
    Germantown Trust & Savings Bank's top markets include St. Louis and Centralia among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 69 $11,225,000 $162,681 $0 0.00%

    For 2023, Germantown Trust & Savings Bank's most frequently originated type of loan was Conventional, with 69 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 46 $9,610,000 $208,913 $0 0.00%
    Other 11 $345,000 $31,364 $0 0.00%
    Refi 7 $835,000 $119,286 $0 0.00%
    Home Improvement 5 $435,000 $87,000 $0 0.00%

    For 2023, Germantown Trust & Savings Bank's most frequently cited loan purpose was Home Purchase, with 46 originations. The 2nd most popular reason was Other, with 11 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 69 $11,225,000 $162,681 $0 0.00%

    For 2023, Germantown Trust & Savings Bank's most frequently cited loan duration was Other, with 69 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 32 $1,480,000 $46,250 $0 0.00%
    $100k-200k 18 $2,930,000 $162,778 $0 0.00%
    $200k-400k 12 $3,340,000 $278,333 $0 0.00%
    $400k-600k 6 $2,840,000 $473,333 $0 0.00%
    $600k-1MM 1 $635,000 $635,000 $0 0.00%

    2023 saw Germantown Trust & Savings Bank place emphasis on $100,000 or less loans with 32 originations, totaling $1,480,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 25 $4,055,000 $162,200 $0 0.00%
    $150k-250k 21 $4,055,000 $193,095 $0 0.00%
    $250k+ 6 $1,520,000 $253,333 $0 0.00%
    $50k-75k 6 $600,000 $100,000 $0 0.00%
    $50k or less 5 $305,000 $61,000 $0 0.00%
    $75k-100k 4 $290,000 $72,500 $0 0.00%

    Germantown Trust & Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 25 originations. The second most popular income band? $150k-250k, with 21 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 69 $11,225,000 $162,681 $0 0.00%

    Germantown Trust & Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 69 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 67 $10,825,000 $161,567 $0 0.00%
    Not applicable 2 $400,000 $200,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.70%

    Germantown Trust & Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    89.86%

    Germantown Trust & Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 69 $11,225,000 $162,681

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    69 $11,225,000 $162,681