Keystone Savings Bank Mortgage Rates, Fees & Info
Marengo, IALEI: 254900I4Q994MFILTR26
Tax ID: 42-0357560
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Mortgage Data
Review & Overview
Keystone Savings Bank is a smaller bank specializing in Refi and Home Purchase loans. Keystone Savings Bank has a high proportion of conventional loans. Their top two markets are Des Moines and Cedar Rapids .Keystone Savings Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
28Origination Dollar Volume (All Markets)
$3,620,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 14 | $1,680,000 | $120,000 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 11 | $1,585,000 | $144,091 | $0 | 0.00% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 28 | $3,620,000 | $129,286 | $0 | 0.00% |
For 2023, Keystone Savings Bank's most frequently originated type of loan was Conventional, with 28 originations.
Loan Reason
For 2023, Keystone Savings Bank's most frequently cited loan purpose was Refi, with 12 originations. The 2nd most popular reason was Home Purchase, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 28 | $3,620,000 | $129,286 | $0 | 0.00% |
For 2023, Keystone Savings Bank's most frequently cited loan duration was Other, with 28 originations.
Loan Sizing
2023 saw Keystone Savings Bank place emphasis on $100k-200k loans with 12 originations, totaling $1,590,000 in origination value.
Applicant Income
Keystone Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 9 originations. The second most popular income band? $50k-75k, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 28 | $3,620,000 | $129,286 | $0 | 0.00% |
Keystone Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 28 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.44%
Keystone Savings Bank has an average approval rate.
Pick Rate
Approvals leading to origination78.57%
Keystone Savings Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 28 | $3,620,000 | $129,286 |