Germantown Trust & Savings Bank Mortgage Rates, Fees & Info
Breese, ILLEI: 2549005HG8EMM4748S60
Tax ID: 37-0291490
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Mortgage Data
Review & Overview
Germantown Trust & Savings Bank is a smaller bank specializing in Home Purchase and Refi loans. Germantown Trust & Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Centralia, Mount Vernon, and Carbondale 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. They have an above average pick rate when compared to similar lenders.
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Originations
118Origination Dollar Volume (All Markets)
$21,810,000Top 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. LOUIS, MO-IL (FHA|USDA|VA) | 104 | $18,930,000 | $182,019 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $1,575,000 | $225,000 | $0 | 0.00% |
| Centralia, IL (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $0 | 0.00% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 118 | $21,810,000 | $184,831 | $0 | 0.00% |
For 2022, Germantown Trust & Savings Bank's most frequently originated type of loan was Conventional, with 118 originations.
Loan Reason
For 2022, Germantown Trust & Savings Bank's most frequently cited loan purpose was Home Purchase, with 60 originations. The 2nd most popular reason was Refi, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 118 | $21,810,000 | $184,831 | $0 | 0.00% |
For 2022, Germantown Trust & Savings Bank's most frequently cited loan duration was Other, with 118 originations.
Loan Sizing
2022 saw Germantown Trust & Savings Bank place emphasis on $100,000 or less loans with 44 originations, totaling $2,460,000 in origination value.
Applicant Income
Germantown Trust & Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 34 originations. The second most popular income band? $150k-250k, with 34 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 118 | $21,810,000 | $184,831 | $0 | 0.00% |
Germantown Trust & Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 118 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 116 | $21,670,000 | $186,810 | $0 | 0.00% |
| Not applicable | 2 | $140,000 | $70,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications96.24%
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 origination91.53%
Germantown Trust & Savings Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 118 | $21,810,000 | $184,831 |