Vintage Bank Kansas Mortgage Rates, Fees & Info

Conway Springs, KS

LEI: 549300054IBXNJUH0T10

Tax ID: 48-0435960

Latest/2024 | 2023 Data | 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
  • 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

    Vintage Bank Kansas is a smaller bank specializing in Home Purchase and Refi loans. Vintage Bank Kansas has a high proportion of conventional loans. Their top two markets are Wichita and Phoenix .

    Vintage Bank Kansas has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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    Originations

    72

    Origination Dollar Volume (All Markets)

    $10,070,000

    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) 63 $8,275,000 $131,349 $0 0.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $1,360,000 $680,000 $0 0.00%
    Outside of Metro Areas 7 $435,000 $62,143 $0 0.00%
    Vintage Bank Kansas's top markets include Wichita and Phoenix among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 72 $10,070,000 $139,861 $0 0.00%

    For 2024, Vintage Bank Kansas's most frequently originated type of loan was Conventional, with 72 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 34 $7,150,000 $210,294 $0 0.00%
    Refi 28 $2,410,000 $86,071 $0 0.00%
    Home Improvement 6 $400,000 $66,667 $0 0.00%
    Other 4 $110,000 $27,500 $0 0.00%

    For 2024, Vintage Bank Kansas's most frequently cited loan purpose was Home Purchase, with 34 originations. The 2nd most popular reason was Refi, with 28 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 72 $10,070,000 $139,861 $0 0.00%

    For 2024, Vintage Bank Kansas's most frequently cited loan duration was Other, with 72 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 41 $2,135,000 $52,073 $0 0.00%
    $100k-200k 15 $2,145,000 $143,000 $0 0.00%
    $200k-400k 13 $3,655,000 $281,154 $0 0.00%
    $1MM+ 1 $1,005,000 $1,005,000 $0 0.00%
    $400k-600k 1 $425,000 $425,000 $0 0.00%
    $600k-1MM 1 $705,000 $705,000 $0 0.00%

    2024 saw Vintage Bank Kansas place emphasis on $100,000 or less loans with 41 originations, totaling $2,135,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 15 $3,405,000 $227,000 $0 0.00%
    $50k-75k 12 $790,000 $65,833 $0 0.00%
    $75k-100k 11 $985,000 $89,545 $0 0.00%
    $50k or less 9 $515,000 $57,222 $0 0.00%
    $150k-250k 8 $1,160,000 $145,000 $0 0.00%
    $250k+ 4 $760,000 $190,000 $0 0.00%

    Vintage Bank Kansas lent most frequently to those with incomes in the $100k-150k range, with 15 originations. The second most popular income band? $50k-75k, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 72 $10,070,000 $139,861 $0 0.00%

    Vintage Bank Kansas lent most frequently to those with DTI ratios of Exempt%, with 72 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 57 $7,485,000 $131,316 $0 0.00%
    Not applicable 13 $2,455,000 $188,846 $0 0.00%
    Asian 2 $130,000 $65,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.53%

    Vintage Bank Kansas has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    90.28%

    Vintage Bank Kansas has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 72 $10,070,000 $139,861

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    72 $10,070,000 $139,861