West Pointe Bank Mortgage Rates, Fees & Info
Oshkosh, WILEI: 549300E0Q8JLIMURNH75
Tax ID: 39-1827049
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
West Pointe Bank is a smaller bank specializing in Home Purchase loans. West Pointe Bank has a high proportion of conventional loans. Their top markets by origination volume include: Oshkosh, North Port, Appleton, Green Bay, and Fond Du Lac among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)West Pointe Bank 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
87Origination Dollar Volume (All Markets)
$19,065,000Top 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 |
|---|---|---|---|---|---|
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 38 | $7,600,000 | $200,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $2,765,000 | $2,765,000 | $0 | 0.00% |
| APPLETON, WI (FHA|USDA|VA) | 13 | $2,365,000 | $181,923 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $0 | 0.00% |
| FOND DU LAC, WI (FHA|USDA|VA) | 13 | $1,595,000 | $122,692 | $0 | 0.00% |
| Outside of Metro Areas | 10 | $1,540,000 | $154,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 87 | $19,065,000 | $219,138 | $0 | 0.00% |
For 2023, West Pointe Bank's most frequently originated type of loan was Conventional, with 87 originations.
Loan Reason
For 2023, West Pointe Bank's most frequently cited loan purpose was Home Purchase, with 59 originations. The 2nd most popular reason was Home Improvement, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 87 | $19,065,000 | $219,138 | $0 | 0.00% |
For 2023, West Pointe Bank's most frequently cited loan duration was Other, with 87 originations.
Loan Sizing
2023 saw West Pointe Bank place emphasis on $100k-200k loans with 39 originations, totaling $5,715,000 in origination value.
Applicant Income
West Pointe Bank lent most frequently to those with incomes in the $150k-250k range, with 6 originations. The second most popular income band? $75k-100k, with 3 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 87 | $19,065,000 | $219,138 | $0 | 0.00% |
West Pointe Bank lent most frequently to those with DTI ratios of Exempt%, with 87 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.84%
West Pointe 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 origination94.25%
West Pointe Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 87 | $19,065,000 | $219,138 |