Germantown Trust & Savings Bank Mortgage Rates, Fees & Info

Breese, IL

LEI: 2549005HG8EMM4748S60

Tax ID: 37-0291490

Latest/2024 | 2023 Data | 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 markets by origination volume include: St. Louis, Carbondale, Centralia, and Mount Vernon among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Germantown Trust & Savings Bank has an above average approval rate when compared to the average across all lenders.

    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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    Originations

    59

    Origination Dollar Volume (All Markets)

    $13,505,000

    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) 51 $11,845,000 $232,255 $0 0.00%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $815,000 $815,000 $0 0.00%
    Centralia, IL (FHA|USDA|VA) 3 $525,000 $175,000 $0 0.00%
    Mount Vernon, IL (FHA|USDA|VA) 2 $250,000 $125,000 $0 0.00%
    Outside of Metro Areas 2 $70,000 $35,000 $0 0.00%
    Germantown Trust & Savings Bank's top markets include St. Louis, Carbondale, Centralia, and Mount Vernon 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 59 $13,505,000 $228,898 $0 0.00%

    For 2024, Germantown Trust & Savings Bank's most frequently originated type of loan was Conventional, with 59 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 41 $11,075,000 $270,122 $0 0.00%
    Other 8 $400,000 $50,000 $0 0.00%
    Refi 7 $1,905,000 $272,143 $0 0.00%
    Home Improvement 3 $125,000 $41,667 $0 0.00%

    For 2024, Germantown Trust & Savings Bank's most frequently cited loan purpose was Home Purchase, with 41 originations. The 2nd most popular reason was Other, with 8 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 59 $13,505,000 $228,898 $0 0.00%

    For 2024, Germantown Trust & Savings Bank's most frequently cited loan duration was Other, with 59 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 20 $1,010,000 $50,500 $0 0.00%
    $200k-400k 15 $3,735,000 $249,000 $0 0.00%
    $100k-200k 12 $1,850,000 $154,167 $0 0.00%
    $400k-600k 8 $3,760,000 $470,000 $0 0.00%
    $600k-1MM 3 $2,035,000 $678,333 $0 0.00%
    $1MM+ 1 $1,115,000 $1,115,000 $0 0.00%

    2024 saw Germantown Trust & Savings Bank place emphasis on $100,000 or less loans with 20 originations, totaling $1,010,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 14 $5,320,000 $380,000 $0 0.00%
    $150k-250k 11 $2,905,000 $264,091 $0 0.00%
    $100k-150k 8 $1,480,000 $185,000 $0 0.00%
    $50k-75k 7 $1,455,000 $207,857 $0 0.00%
    $75k-100k 6 $660,000 $110,000 $0 0.00%
    $50k or less 5 $525,000 $105,000 $0 0.00%

    Germantown Trust & Savings Bank lent most frequently to those with incomes in the $250k+ range, with 14 originations. The second most popular income band? $150k-250k, with 11 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 59 $13,505,000 $228,898 $0 0.00%

    Germantown Trust & Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 59 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 51 $12,275,000 $240,686 $0 0.00%
    Not applicable 7 $1,155,000 $165,000 $0 0.00%
    Not provided 1 $75,000 $75,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.33%

    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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 59 $13,505,000 $228,898

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    59 $13,505,000 $228,898