The Bank Of Kremlin Mortgage Rates, Fees & Info
KREMLIN, OKLEI: 254900H43FZ07VEY2T39
Tax ID: 73-0138530
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Mortgage Data
Review & Overview
The Bank Of Kremlin is a smaller bank specializing in Home Purchase loans. The Bank Of Kremlin has a high proportion of conventional loans. Their top markets by origination volume include: Enid, Stillwater, and Houston among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)The Bank Of Kremlin has an above average approval rate when compared to the average across all lenders.
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Originations
30Origination Dollar Volume (All Markets)
$2,760,000Top 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 |
|---|---|---|---|---|---|
| ENID, OK (FHA|USDA|VA) | 25 | $2,335,000 | $93,400 | $0 | 0.00% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $115,000 | $38,333 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 30 | $2,760,000 | $92,000 | $0 | 0.00% |
For 2019, The Bank Of Kremlin's most frequently originated type of loan was Conventional, with 30 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 21 | $2,075,000 | $98,810 | $0 | 0.00% |
| Refi | 7 | $445,000 | $63,571 | $0 | 0.00% |
| Home Improvement | 2 | $240,000 | $120,000 | $0 | 0.00% |
For 2019, The Bank Of Kremlin's most frequently cited loan purpose was Home Purchase, with 21 originations. The 2nd most popular reason was Refi, with 7 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 30 | $2,760,000 | $92,000 | $0 | 0.00% |
For 2019, The Bank Of Kremlin's most frequently cited loan duration was Other, with 30 originations.
Loan Sizing
2019 saw The Bank Of Kremlin place emphasis on $100,000 or less loans with 18 originations, totaling $900,000 in origination value.
Applicant Income
The Bank Of Kremlin lent most frequently to those with incomes in the $50k-75k range, with 6 originations. The second most popular income band? $75k-100k, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 30 | $2,760,000 | $92,000 | $0 | 0.00% |
The Bank Of Kremlin lent most frequently to those with DTI ratios of Exempt%, with 30 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.75%
The Bank Of Kremlin has an average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 30 | $2,760,000 | $92,000 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $35,000 | $35,000 |
| Single Family (1-4 Units):Site-Built | 29 | $2,725,000 | $93,966 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 6.9% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Closing on a mortgage | 10 | 9.8% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Struggling to pay mortgage | 7 | 6.9% |
| TD BANK US HOLDING COMPANY | Conventional home mortgage | Trouble during payment process | 34 | 33.3% |
| TD BANK US HOLDING COMPANY | FHA mortgage | Struggling to pay mortgage | 1 | 1.0% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 4 | 3.9% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 3.9% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 2 | 2.0% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 7 | 6.9% |
| TD BANK US HOLDING COMPANY | Home equity loan or line of credit (HELOC) | Trouble during payment process | 13 | 12.7% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 1.0% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Incorrect information on your report | 2 | 2.0% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Struggling to pay mortgage | 2 | 2.0% |
| TD BANK US HOLDING COMPANY | Other type of mortgage | Trouble during payment process | 7 | 6.9% |
| TD BANK US HOLDING COMPANY | Reverse mortgage | Closing on a mortgage | 1 | 1.0% |