Vintage Bank Kansas Mortgage Rates, Fees & Info
Conway Springs, KSLEI: 549300054IBXNJUH0T10
Tax ID: 48-0435960
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Mortgage Data
Review & Overview
Vintage Bank Kansas is a smaller bank specializing in Refi and Home Purchase loans. Vintage Bank Kansas has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Oklahoma City, Hutchinson, Topeka, and Kansas City among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)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
65Origination Dollar Volume (All Markets)
$5,805,000Top 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 |
|---|---|---|---|---|---|
| WICHITA, KS (FHA|USDA|VA) | 52 | $4,470,000 | $85,962 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| Outside of Metro Areas | 9 | $415,000 | $46,111 | $0 | 0.00% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 65 | $5,805,000 | $89,308 | $0 | 0.00% |
For 2018, Vintage Bank Kansas's most frequently originated type of loan was Conventional, with 65 originations.
Loan Reason
For 2018, Vintage Bank Kansas's most frequently cited loan purpose was Refi, with 35 originations. The 2nd most popular reason was Home Purchase, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 65 | $5,805,000 | $89,308 | $0 | 0.00% |
For 2018, Vintage Bank Kansas's most frequently cited loan duration was Other, with 65 originations.
Loan Sizing
2018 saw Vintage Bank Kansas place emphasis on $100,000 or less loans with 49 originations, totaling $2,495,000 in origination value.
Applicant Income
Vintage Bank Kansas lent most frequently to those with incomes in the $100k-150k range, with 25 originations. The second most popular income band? $50k or less, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 65 | $5,805,000 | $89,308 | $0 | 0.00% |
Vintage Bank Kansas lent most frequently to those with DTI ratios of Exempt%, with 65 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.10%
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 origination96.92%
Vintage Bank Kansas has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 65 | $5,805,000 | $89,308 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 6 | $720,000 | $120,000 |
| Single Family (1-4 Units):Site-Built | 59 | $5,085,000 | $86,186 |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| VANDYK MORTGAGE CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| VANDYK MORTGAGE CORPORATION | FHA mortgage | Closing on a mortgage | 1 | 50.0% |