Vintage Bank Kansas Mortgage Rates, Fees & Info

Conway Springs, KS

LEI: 549300054IBXNJUH0T10

Tax ID: 48-0435960

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

    Vintage Bank Kansas is a smaller bank specializing in Home Purchase, Cash Out Refi, and Refi loans. Vintage Bank Kansas has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Oklahoma City, and Phoenix among others. We have data for 4 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.

    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

    62

    Origination Dollar Volume (All Markets)

    $6,340,000

    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) 49 $5,185,000 $105,816 $0 0.00%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $465,000 $465,000 $0 0.00%
    Outside of Metro Areas 11 $445,000 $40,455 $0 0.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
    Vintage Bank Kansas's top markets include Wichita, Oklahoma City, and Phoenix among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 62 $6,340,000 $102,258 $0 0.00%

    For 2019, Vintage Bank Kansas's most frequently originated type of loan was Conventional, with 62 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 32 $3,130,000 $97,813 $0 0.00%
    Cash Out Refi 15 $1,555,000 $103,667 $0 0.00%
    Refi 12 $1,550,000 $129,167 $0 0.00%
    Home Improvement 3 $105,000 $35,000 $0 0.00%

    For 2019, Vintage Bank Kansas's most frequently cited loan purpose was Home Purchase, with 32 originations. The 2nd most popular reason was Cash Out Refi, with 15 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 62 $6,340,000 $102,258 $0 0.00%

    For 2019, Vintage Bank Kansas's most frequently cited loan duration was Other, with 62 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 43 $1,895,000 $44,070 $0 0.00%
    $100k-200k 9 $1,255,000 $139,444 $0 0.00%
    $200k-400k 7 $1,835,000 $262,143 $0 0.00%
    $400k-600k 3 $1,355,000 $451,667 $0 0.00%

    2019 saw Vintage Bank Kansas place emphasis on $100,000 or less loans with 43 originations, totaling $1,895,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 15 $1,525,000 $101,667 $0 0.00%
    $50k or less 12 $700,000 $58,333 $0 0.00%
    $100k-150k 7 $855,000 $122,143 $0 0.00%
    $150k-250k 7 $1,345,000 $192,143 $0 0.00%
    $50k-75k 7 $285,000 $40,714 $0 0.00%
    $250k+ 2 $710,000 $355,000 $0 0.00%

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

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 62 $6,340,000 $102,258 $0 0.00%

    Vintage Bank Kansas lent most frequently to those with DTI ratios of Exempt%, with 62 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 41 $5,005,000 $122,073 $0 0.00%
    Not applicable 12 $920,000 $76,667 $0 0.00%
    Asian 6 $300,000 $50,000 $0 0.00%
    American Indian 3 $115,000 $38,333 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.37%

    Vintage Bank Kansas has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.94%

    Vintage Bank Kansas has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 62 $6,340,000 $102,258

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 4 $230,000 $57,500
    Single Family (1-4 Units):Site-Built 58 $6,110,000 $105,345

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    VANDYK MORTGAGE CORPORATION Conventional home mortgage Closing on a mortgage 1 50.0%
    VANDYK MORTGAGE CORPORATION VA mortgage Improper use of your report 1 50.0%