Carson Bank Mortgage Rates, Fees & Info

Mulvane, KS

LEI: 254900ZVK94NEC553D12

Tax ID: 48-0345810

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Carson Bank is a smaller bank specializing in Home Purchase and Refi loans. Carson Bank has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Denver, and Winfield among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Carson 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    56

    Origination Dollar Volume (All Markets)

    $10,260,000

    Top 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
    WICHITA, KS (FHA|USDA|VA) 54 $9,900,000 $183,333 $0 0.00%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $315,000 $315,000 $0 0.00%
    Winfield, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    Carson Bank's top markets include Wichita, Denver, and Winfield among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 56 $10,260,000 $183,214 $0 0.00%

    For 2018, Carson Bank's most frequently originated type of loan was Conventional, with 56 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 25 $2,935,000 $117,400 $0 0.00%
    Refi 13 $4,865,000 $374,231 $0 0.00%
    Cash Out Refi 10 $1,760,000 $176,000 $0 0.00%
    Other 5 $635,000 $127,000 $0 0.00%
    Home Improvement 3 $65,000 $21,667 $0 0.00%

    For 2018, Carson Bank's most frequently cited loan purpose was Home Purchase, with 25 originations. The 2nd most popular reason was Refi, with 13 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 56 $10,260,000 $183,214 $0 0.00%

    For 2018, Carson Bank's most frequently cited loan duration was Other, with 56 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 27 $1,395,000 $51,667 $0 0.00%
    $100k-200k 15 $2,225,000 $148,333 $0 0.00%
    $200k-400k 10 $2,880,000 $288,000 $0 0.00%
    $400k-600k 3 $1,365,000 $455,000 $0 0.00%
    $1MM+ 1 $2,395,000 $2,395,000 $0 0.00%

    2018 saw Carson Bank place emphasis on $100,000 or less loans with 27 originations, totaling $1,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 9 $885,000 $98,333 $0 0.00%
    $100k-150k 8 $1,680,000 $210,000 $0 0.00%
    $50k-75k 8 $670,000 $83,750 $0 0.00%
    $150k-250k 7 $1,575,000 $225,000 $0 0.00%
    $250k+ 6 $1,370,000 $228,333 $0 0.00%
    $50k or less 5 $315,000 $63,000 $0 0.00%

    Carson Bank lent most frequently to those with incomes in the $75k-100k range, with 9 originations. The second most popular income band? $100k-150k, with 8 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 56 $10,260,000 $183,214 $0 0.00%

    Carson Bank lent most frequently to those with DTI ratios of Exempt%, with 56 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 42 $6,180,000 $147,143 $0 0.00%
    Not applicable 13 $3,765,000 $289,615 $0 0.00%
    Not provided 1 $315,000 $315,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.43%

    Carson Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.71%

    Carson Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 56 $10,260,000 $183,214

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $2,880,000 $1,440,000
    Single Family (1-4 Units):Site-Built 54 $7,380,000 $136,667

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CRESCENT MORTGAGE COMPANY Conventional home mortgage Trouble during payment process 1 100.0%