Lyndon State Bank Mortgage Rates, Fees & Info
Lyndon, KSLEI: 549300BGTO2X0ZFZVC45
Tax ID: 48-0316470
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Lyndon State Bank is a smaller bank specializing in Home Purchase and Home Improvement loans. Lyndon State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Topeka, Ottawa, and Emporia among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Lyndon State Bank has an above average approval rate when compared to the average across all lenders.
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Originations
33Origination Dollar Volume (All Markets)
$6,785,000Top 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 |
|---|---|---|---|---|---|
| TOPEKA, KS (FHA|USDA|VA) | 26 | $5,000,000 | $192,308 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $1,445,000 | $289,000 | $0 | 0.00% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| Emporia, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against LYNDON STATE BANK based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 33 | $6,785,000 | $205,606 | $0 | 0.00% |
For 2024, Lyndon State Bank's most frequently originated type of loan was Conventional, with 33 originations.
Loan Reason
For 2024, Lyndon State Bank's most frequently cited loan purpose was Home Purchase, with 19 originations. The 2nd most popular reason was Home Improvement, with 8 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 33 | $6,785,000 | $205,606 | $0 | 0.00% |
For 2024, Lyndon State Bank's most frequently cited loan duration was Other, with 33 originations.
Loan Sizing
2024 saw Lyndon State Bank place emphasis on $100,000 or less loans with 11 originations, totaling $775,000 in origination value.
Applicant Income
Lyndon State Bank lent most frequently to those with incomes in the $150k-250k range, with 10 originations. The second most popular income band? $100k-150k, with 9 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 33 | $6,785,000 | $205,606 | $0 | 0.00% |
Lyndon State Bank lent most frequently to those with DTI ratios of Exempt%, with 33 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 31 | $6,555,000 | $211,452 | $0 | 0.00% |
| Black | 1 | $145,000 | $145,000 | $0 | 0.00% |
| American Indian | 1 | $85,000 | $85,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications97.06%
Lyndon State Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 33 | $6,785,000 | $205,606 |