Germantown Trust & Savings Bank Mortgage Rates, Fees & Info

Breese, IL

LEI: 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

118

Origination Dollar Volume (All Markets)

$21,810,000

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) 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%
Germantown Trust & Savings Bank's top markets include St. Louis, Centralia, Mount Vernon, and Carbondale 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 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 60 $14,460,000 $241,000 $0 0.00%
    Refi 29 $5,245,000 $180,862 $0 0.00%
    Other 18 $1,520,000 $84,444 $0 0.00%
    Home Improvement 11 $585,000 $53,182 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 44 $2,460,000 $55,909 $0 0.00%
    $200k-400k 43 $12,685,000 $295,000 $0 0.00%
    $100k-200k 26 $3,790,000 $145,769 $0 0.00%
    $400k-600k 4 $2,140,000 $535,000 $0 0.00%
    $600k-1MM 1 $735,000 $735,000 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 34 $6,710,000 $197,353 $0 0.00%
    $150k-250k 34 $7,220,000 $212,353 $0 0.00%
    $50k-75k 17 $2,185,000 $128,529 $0 0.00%
    $75k-100k 13 $2,065,000 $158,846 $0 0.00%
    $250k+ 11 $2,895,000 $263,182 $0 0.00%
    $50k or less 7 $595,000 $85,000 $0 0.00%

    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 applications
    96.24%

    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 origination
    91.53%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    118 $21,810,000 $184,831