Kirkpatrick Bank Mortgage Rates, Fees & Info
Edmond, OKLEI: 5493009EEWZ9S4F2BE94
Tax ID: 73-0789115
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Mortgage Data
Review & Overview
Kirkpatrick Bank is a smaller bank specializing in Home Purchase and Refi loans. Kirkpatrick Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Oklahoma City, Colorado Springs, and Denver among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Kirkpatrick 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.
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Originations
105Origination Dollar Volume (All Markets)
$58,395,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 24 | $26,240,000 | $1,093,333 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 76 | $23,430,000 | $308,289 | $0 | 0.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $6,665,000 | $2,221,667 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $2,060,000 | $1,030,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 91 | $53,835,000 | $591,593 | $0 | 0.00% |
| FHA | 10 | $2,900,000 | $290,000 | $0 | 0.00% |
| VA | 4 | $1,660,000 | $415,000 | $0 | 0.00% |
For 2023, Kirkpatrick Bank's most frequently originated type of loan was Conventional, with 91 originations. Their 2nd most popular type was FHA, with 10 originations.
Loan Reason
For 2023, Kirkpatrick Bank's most frequently cited loan purpose was Home Purchase, with 88 originations. The 2nd most popular reason was Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 105 | $58,395,000 | $556,143 | $0 | 0.00% |
For 2023, Kirkpatrick Bank's most frequently cited loan duration was Other, with 105 originations.
Loan Sizing
2023 saw Kirkpatrick Bank place emphasis on $200k-400k loans with 43 originations, totaling $12,595,000 in origination value.
Applicant Income
Kirkpatrick Bank lent most frequently to those with incomes in the $150k-250k range, with 25 originations. The second most popular income band? $100k-150k, with 20 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 105 | $58,395,000 | $556,143 | $0 | 0.00% |
Kirkpatrick Bank lent most frequently to those with DTI ratios of Exempt%, with 105 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.40%
Kirkpatrick Bank has an average approval rate.
Pick Rate
Approvals leading to origination87.62%
Kirkpatrick Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 105 | $58,395,000 | $556,143 |