The Denison State Bank Mortgage Rates, Fees & Info
Holton, KSLEI: 254900UA19NBVHVPQ177
Tax ID: 48-0193755
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Mortgage Data
Review & Overview
The Denison State Bank is a smaller bank specializing in Home Purchase loans. The Denison State Bank has a high proportion of conventional loans. Their top (well, only) market is Topeka.The Denison State Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
136Origination Dollar Volume (All Markets)
$22,490,000Top 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 |
|---|---|---|---|---|---|
| TOPEKA, KS (FHA|USDA|VA) | 124 | $19,280,000 | $155,484 | $0 | 0.00% |
| Outside of Metro Areas | 12 | $3,210,000 | $267,500 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 136 | $22,490,000 | $165,368 | $0 | 0.00% |
For 2023, The Denison State Bank's most frequently originated type of loan was Conventional, with 136 originations.
Loan Reason
For 2023, The Denison State Bank's most frequently cited loan purpose was Home Purchase, with 77 originations. The 2nd most popular reason was Refi, with 26 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 136 | $22,490,000 | $165,368 | $0 | 0.00% |
For 2023, The Denison State Bank's most frequently cited loan duration was Other, with 136 originations.
Loan Sizing
2023 saw The Denison State Bank place emphasis on $100,000 or less loans with 62 originations, totaling $3,620,000 in origination value.
Applicant Income
The Denison State Bank lent most frequently to those with incomes in the $100k-150k range, with 28 originations. The second most popular income band? $50k-75k, with 26 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 136 | $22,490,000 | $165,368 | $0 | 0.00% |
The Denison State Bank lent most frequently to those with DTI ratios of Exempt%, with 136 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.57%
The Denison State Bank has an average approval rate.
Pick Rate
Approvals leading to origination93.38%
The Denison State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 136 | $22,490,000 | $165,368 |