Anstaff Bank Mortgage Rates, Fees & Info

Green Forest, AR

LEI: 549300FAG4VH7YJ66576

Tax ID: 71-0077631

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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)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Anstaff Bank is a smaller bank specializing in Home Purchase and Refi loans. Anstaff Bank has a high proportion of conventional loans. Their top markets by origination volume include: Mountain Home, Harrison, Fayetteville, Little Rock, and Branson among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Anstaff 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.

    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

    258

    Origination Dollar Volume (All Markets)

    $41,120,000

    Employee count

    154

    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
    Mountain Home, AR (FHA|USDA|VA) 70 $13,370,000 $191,000 $0 0.00%
    Harrison, AR (FHA|USDA|VA) 100 $10,980,000 $109,800 $0 0.00%
    Outside of Metro Areas 64 $10,830,000 $169,219 $0 0.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 16 $3,980,000 $248,750 $0 0.00%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $1,495,000 $299,000 $0 0.00%
    Branson, MO (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $210,000 $105,000 $0 0.00%
    Anstaff Bank's top markets include Mountain Home, Harrison, Fayetteville, Little Rock, and Branson among others.

    Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 258 $41,120,000 $159,380 $0 0.00%

    For 2020, Anstaff Bank's most frequently originated type of loan was Conventional, with 258 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 147 $20,345,000 $138,401 $0 0.00%
    Refi 84 $19,480,000 $231,905 $0 0.00%
    Home Improvement 14 $630,000 $45,000 $0 0.00%
    Other 13 $665,000 $51,154 $0 0.00%

    For 2020, Anstaff Bank's most frequently cited loan purpose was Home Purchase, with 147 originations. The 2nd most popular reason was Refi, with 84 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 258 $41,120,000 $159,380 $0 0.00%

    For 2020, Anstaff Bank's most frequently cited loan duration was Other, with 258 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 141 $8,285,000 $58,759 $0 0.00%
    $100k-200k 78 $10,870,000 $139,359 $0 0.00%
    $200k-400k 23 $6,075,000 $264,130 $0 0.00%
    $600k-1MM 6 $4,820,000 $803,333 $0 0.00%
    $1MM+ 5 $8,355,000 $1,671,000 $0 0.00%
    $400k-600k 5 $2,715,000 $543,000 $0 0.00%

    2020 saw Anstaff Bank place emphasis on $100,000 or less loans with 141 originations, totaling $8,285,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 70 $5,300,000 $75,714 $0 0.00%
    $50k-75k 53 $5,455,000 $102,925 $0 0.00%
    $100k-150k 33 $4,005,000 $121,364 $0 0.00%
    $75k-100k 30 $3,850,000 $128,333 $0 0.00%
    $150k-250k 16 $2,400,000 $150,000 $0 0.00%
    $250k+ 15 $6,175,000 $411,667 $0 0.00%

    Anstaff Bank lent most frequently to those with incomes in the $50k or less range, with 70 originations. The second most popular income band? $50k-75k, with 53 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 258 $41,120,000 $159,380 $0 0.00%

    Anstaff Bank lent most frequently to those with DTI ratios of Exempt%, with 258 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 219 $27,295,000 $124,635 $0 0.00%
    Not applicable 33 $13,215,000 $400,455 $0 0.00%
    Not provided 4 $430,000 $107,500 $0 0.00%
    American Indian 2 $180,000 $90,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.53%

    Anstaff Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.05%

    Anstaff Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 258 $41,120,000 $159,380

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $405,000 $135,000
    Multifamily:Site-Built 5 $2,195,000 $439,000
    Single Family (1-4 Units):Manufactured 32 $2,040,000 $63,750
    Single Family (1-4 Units):Site-Built 218 $36,480,000 $167,339

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    AmWest Funding Corp. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 33.3%
    AmWest Funding Corp. Other type of mortgage Struggling to pay mortgage 2 66.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Anstaff Bank 100 First National Avenue Green Forest, AR 72638 Full Service B&M $166,197
    Anstaff Bank 101 Public Square Kingston, AR 72742 Full Service B&M $10,430
    Anstaff Bank 1106 Highway 65 North Harrison, AR 72601 Full Service B&M $168,950
    Anstaff Bank 150 West End Way Mountain Home, AR 72653 Full Service B&M $108,087
    Anstaff Bank 210 East Main Street Huntsville, AR 72740 Full Service B&M $43,481
    Anstaff Bank 210 South Main Street Berryville, AR 72616 Full Service B&M $14,524
    Anstaff Bank 23 Wolf Street, 23 Wolf Street Norfork, AR 72658 Full Service B&M $8,232
    Anstaff Bank 301 South First Flippin, AR 72634 Full Service B&M $37,541
    Anstaff Bank 303 West Main Green Forest, AR 72638 Limited, Drive-thru $0
    Anstaff Bank 400 East Court Street Jasper, AR 72641 Full Service B&M $52,017
    Anstaff Bank 702 Highway 62-65 South Harrison, AR 72601 Full Service B&M $81,969
    Anstaff Bank 777 Highway 62 East Mountain Home, AR 72653 Full Service B&M $3,753
    Anstaff Bank 812 West Trimble Berryville, AR 72616 Full Service B&M $44,453

    For 2020, Anstaff Bank had 13 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $33,044
    Net interest income $26,542
    Total noninterest income $4,402
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,020
    Trading account gains and fees $0
    Additional Noninterest Income $3,382
    Pre-tax net operating income $10,655
    Securities gains (or losses, -) $116
    Income before extraordinary items $10,758
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $10,758
    Minority interest net income $0
    Net income $10,758
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $10,642

    Anstaff Bank's gross interest income from loans was $33,044,000.
    Anstaff Bank's net interest income from loans was $26,542,000.
    Anstaff Bank's fee based income from loans was $1,020,000.
    Anstaff Bank's net income from loans was $10,758,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,502
    Provision for credit losses $1,500
    Total noninterest expense $18,789
    Salaries and employee benefits $11,541
    Premises and equipment expense $2,086
    Additional noninterest expense $5,162
    Applicable income taxes $13
    Net charge-offs $73
    Cash dividends $5,230

    Anstaff Bank's interest expense for loans was $6,502,000.
    Anstaff Bank's payroll and benefits expense were $11,541,000.
    Anstaff Bank's property, plant and equipment expenses $2,086,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.1%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $757,834
    Deposits held in domestic offices $757,834
    Deposits by Individuals, partnerships, and corporations $661,683
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $95,385
    Deposits by Commercial banks and other depository institutions in U.S. $766
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $333,066
    Demand deposits $102,304
    Nontransaction accounts $424,768
    Money market deposit accounts (MMDAs) $111,303
    Other savings deposits (excluding MMDAs) $55,008
    Total time deposits $258,456
    Total time and savings deposits $655,530
    Noninterest-bearing deposits $101,253
    Interest-bearing deposits $656,581
    Retail deposits $704,925
    IRAs and Keogh plan accounts $33,285
    Brokered deposits $2
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $858,489
    Cash & Balances due from depository institutions $25,302
    Interest-bearing balances $8,981
    Total securities $140,762
    Federal funds sold & reverse repurchase $71,450
    Net loans and leases $572,597
    Loan and leases loss allowance $7,917
    Trading account assets $0
    Bank premises and fixed assets $18,698
    Other real estate owned $46
    Goodwill and other intangibles $5,230
    All other assets $24,404

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $858,489
    Total Liabilities $776,902
    Total deposits $757,834
    Interest-bearing deposits $656,581
    Deposits held in domestic offices $757,834
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $12,893
    Subordinated debt $0
    All other liabilities $6,175

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $572,597
    Loan and leases loss allowance $7,917
    Total loans and leases (domestic) $580,514
    All real estate loans $448,246
    Real estate loans in domestic offices $448,246
    Construction and development loans $36,224
    Residential 1-4 family construction $7,258
    Other construction, all land development and other land $28,966
    Loans secured by nonfarm nonresidential properties $118,375
    Nonfarm nonresidential secured by owner-occupied properties $49,072
    Commercial real estate & other non-farm, non-residential $69,303
    Multifamily residential real estate $11,295
    1-4 family residential loans $136,226
    Farmland loans $146,126
    Loans held in foreign offices $0
    Farm loans $31,400
    Commercial and industrial loans $71,441
    To non-U.S. addressees $0
    Loans to individuals $26,193
    Credit card loans $816
    Related Plans $0
    Consumer Auto Loans $9,084
    Other loans to individuals $16,293
    All other loans & leases $3,233
    Loans to foreign governments and official institutions $0
    Other loans $591
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $841
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,371
    Non 1-4 family restructured loans & leases $2,129
    Total loans and leases (foreign) $0

    Anstaff Bank had $572,597,000 of loans outstanding in 2020. $448,246,000 of loans were in real estate loans. $36,224,000 of loans were in development loans. $11,295,000 of loans were in multifamily mortgage loans. $136,226,000 of loans were in 1-4 family mortgage loans. $31,400,000 of loans were in farm loans. $816,000 of loans were in credit card loans. $9,084,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 317 $59,035 $186,230
    Nonfarm, nonresidential loans - <$100k 94 $4,145 $44,096
    Nonfarm, nonresidential loans - $100-250k 109 $13,197 $121,073
    Nonfarm, nonresidential loans - $250k-1MM 114 $41,693 $365,728
    Commercial & Industrial, US addressed loans - <$1MM 2,088 $52,269 $25,033
    Commercial & Industrial, US addressed loans - <$100k 1,906 $24,176 $12,684
    Commercial & Industrial, US addressed loans - $100-250k 131 $12,755 $97,366
    Commercial & Industrial, US addressed loans - $250k-1MM 51 $15,338 $300,745
    Farmland loans - <$1MM 589 $65,100 $110,526
    Farmland loans - <$100k 297 $12,330 $41,515
    Farmland loans - $100-250k 191 $25,643 $134,257
    Farmland loans - $250k-1MM 101 $27,127 $268,584
    Agriculture operations loans - <$1MM 1,365 $28,304 $20,736
    Agriculture operations loans - <$100k 1,304 $20,367 $15,619
    Agriculture operations loans - $100-250k 54 $4,600 $85,185
    Agriculture operations loans - $250k-1MM 7 $3,337 $476,714