The Union State Bank Of Everest Mortgage Rates, Fees & Info
Horton, KSLEI: 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 Refi and Home Purchase 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 Austin among others. We have data for 17 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
217Origination Dollar Volume (All Markets)
$38,415,000Top 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 |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 66 | $18,670,000 | $282,879 | $0 | 0.00% |
| Atchison, KS (FHA|USDA|VA) | 70 | $7,290,000 | $104,143 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 32 | $4,410,000 | $137,813 | $0 | 0.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 25 | $3,835,000 | $153,400 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $620,000 | $77,500 | $0 | 0.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 217 | $38,415,000 | $177,028 | $0 | 0.00% |
For 2022, The Union State Bank Of Everest's most frequently originated type of loan was Conventional, with 217 originations.
Loan Reason
For 2022, The Union State Bank Of Everest's most frequently cited loan purpose was Refi, with 95 originations. The 2nd most popular reason was Home Purchase, with 88 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 217 | $38,415,000 | $177,028 | $0 | 0.00% |
For 2022, The Union State Bank Of Everest's most frequently cited loan duration was Other, with 217 originations.
Loan Sizing
2022 saw The Union State Bank Of Everest place emphasis on $100,000 or less loans with 88 originations, totaling $4,870,000 in origination value.
Applicant Income
The Union State Bank Of Everest lent most frequently to those with incomes in the $100k-150k range, with 51 originations. The second most popular income band? $50k or less, with 35 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 217 | $38,415,000 | $177,028 | $0 | 0.00% |
The Union State Bank Of Everest lent most frequently to those with DTI ratios of Exempt%, with 217 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.02%
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 origination96.31%
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 | 217 | $38,415,000 | $177,028 |