The Union State Bank Of Everest Mortgage Rates, Fees & Info

Horton, KS

LEI: 254900AECSSNLT5FBU41

Tax ID: 48-0456400

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Mortgage Data

Review & Overview

The Union State Bank Of Everest is a smaller bank specializing in Home Purchase and Refi loans. The Union State Bank Of Everest has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Atchison, Topeka, St. Joseph, and Lawrence among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)

The Union State Bank Of Everest 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

194

Origination Dollar Volume (All Markets)

$26,630,000

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
KANSAS CITY, MO-KS (FHA|USDA|VA) 60 $9,270,000 $154,500 $0 0.00%
Atchison, KS (FHA|USDA|VA) 60 $6,870,000 $114,500 $0 0.00%
TOPEKA, KS (FHA|USDA|VA) 22 $3,500,000 $159,091 $0 0.00%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 23 $2,625,000 $114,130 $0 0.00%
Outside of Metro Areas 21 $2,325,000 $110,714 $0 0.00%
LAWRENCE, KS (FHA|USDA|VA) 2 $520,000 $260,000 $0 0.00%
MANHATTAN, KS (FHA|USDA|VA) 1 $335,000 $335,000 $0 0.00%
Farmington, MO (FHA|USDA|VA) 1 $325,000 $325,000 $0 0.00%
Storm Lake, IA (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
Mountain Home, AR (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
COLUMBIA, MO (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
The Union State Bank Of Everest's top markets include Kansas City, Atchison, Topeka, St. Joseph, and Lawrence among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 194 $26,630,000 $137,268 $0 0.00%

    For 2023, The Union State Bank Of Everest's most frequently originated type of loan was Conventional, with 194 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 91 $15,355,000 $168,736 $0 0.00%
    Refi 65 $8,075,000 $124,231 $0 0.00%
    Home Improvement 25 $1,665,000 $66,600 $0 0.00%
    Other 13 $1,535,000 $118,077 $0 0.00%

    For 2023, The Union State Bank Of Everest's most frequently cited loan purpose was Home Purchase, with 91 originations. The 2nd most popular reason was Refi, with 65 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 194 $26,630,000 $137,268 $0 0.00%

    For 2023, The Union State Bank Of Everest's most frequently cited loan duration was Other, with 194 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 87 $4,545,000 $52,241 $0 0.00%
    $100k-200k 61 $8,665,000 $142,049 $0 0.00%
    $200k-400k 39 $10,075,000 $258,333 $0 0.00%
    $400k-600k 7 $3,345,000 $477,857 $0 0.00%

    2023 saw The Union State Bank Of Everest place emphasis on $100,000 or less loans with 87 originations, totaling $4,545,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 34 $3,720,000 $109,412 $0 0.00%
    $100k-150k 33 $4,755,000 $144,091 $0 0.00%
    $150k-250k 30 $5,200,000 $173,333 $0 0.00%
    $50k or less 25 $1,795,000 $71,800 $0 0.00%
    $75k-100k 21 $2,625,000 $125,000 $0 0.00%
    $250k+ 9 $2,435,000 $270,556 $0 0.00%

    The Union State Bank Of Everest lent most frequently to those with incomes in the $50k-75k range, with 34 originations. The second most popular income band? $100k-150k, with 33 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 194 $26,630,000 $137,268 $0 0.00%

    The Union State Bank Of Everest lent most frequently to those with DTI ratios of Exempt%, with 194 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 150 $19,820,000 $132,133 $0 0.00%
    Not applicable 40 $5,990,000 $149,750 $0 0.00%
    Not provided 4 $820,000 $205,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.56%

    The Union State Bank Of Everest 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
    97.42%

    The Union State Bank Of Everest has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 194 $26,630,000 $137,268

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    194 $26,630,000 $137,268