Flint Hills Bank Mortgage Rates, Fees & Info
Burlingame, KSLEI: 254900M6W35LL9PWTN67
Tax ID: 48-1002102
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Mortgage Data
Review & Overview
Flint Hills Bank is a smaller bank specializing in Home Purchase and Home Improvement loans. Flint Hills Bank has a high proportion of conventional loans. Their top markets by origination volume include: Emporia, Topeka, Kansas City, Memphis, and Ottawa among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Flint Hills Bank has an above average approval rate when compared to the average across all lenders.
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Originations
61Origination Dollar Volume (All Markets)
$5,785,000Top 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 |
|---|---|---|---|---|---|
| Emporia, KS (FHA|USDA|VA) | 25 | $2,275,000 | $91,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 21 | $1,945,000 | $92,619 | $0 | 0.00% |
| Outside of Metro Areas | 10 | $900,000 | $90,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $0 | 0.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 61 | $5,785,000 | $94,836 | $0 | 0.00% |
For 2019, Flint Hills Bank's most frequently originated type of loan was Conventional, with 61 originations.
Loan Reason
For 2019, Flint Hills Bank's most frequently cited loan purpose was Home Purchase, with 39 originations. The 2nd most popular reason was Home Improvement, with 13 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 61 | $5,785,000 | $94,836 | $0 | 0.00% |
For 2019, Flint Hills Bank's most frequently cited loan duration was Other, with 61 originations.
Loan Sizing
2019 saw Flint Hills Bank place emphasis on $100,000 or less loans with 42 originations, totaling $2,080,000 in origination value.
Applicant Income
Flint Hills Bank lent most frequently to those with incomes in the $50k-75k range, with 12 originations. The second most popular income band? $75k-100k, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 61 | $5,785,000 | $94,836 | $0 | 0.00% |
Flint Hills Bank lent most frequently to those with DTI ratios of Exempt%, with 61 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 51 | $4,705,000 | $92,255 | $0 | 0.00% |
| Not applicable | 9 | $975,000 | $108,333 | $0 | 0.00% |
| Asian | 1 | $105,000 | $105,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications98.39%
Flint Hills 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 originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 61 | $5,785,000 | $94,836 |