American State Bank & Trust Company Mortgage Rates, Fees & Info
Great Bend, KSLEI: 549300FRPCYCYBOD2M15
Tax ID: 48-1242783
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Mortgage Data
Review & Overview
American State Bank & Trust Company is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. American State Bank & Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Garden City, Salina, Denver, and Great Bend among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)American State Bank & Trust Company has an 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
83Origination Dollar Volume (All Markets)
$14,845,000Top 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 |
---|---|---|---|---|---|
WICHITA, KS (FHA|USDA|VA) | 41 | $6,205,000 | $151,341 | $0 | 0.00% |
Outside of Metro Areas | 13 | $3,505,000 | $269,615 | $0 | 0.00% |
Garden City, KS (FHA|USDA|VA) | 12 | $1,890,000 | $157,500 | $0 | 0.00% |
Salina, KS (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $0 | 0.00% |
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 0.00% |
Great Bend, KS (FHA|USDA|VA) | 5 | $645,000 | $129,000 | $0 | 0.00% |
KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
Winfield, KS (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 0.00% |
FORT COLLINS, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 83 | $14,845,000 | $178,855 | $0 | 0.00% |
For 2019, American State Bank & Trust Company's most frequently originated type of loan was Conventional, with 83 originations.
Loan Reason
For 2019, American State Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 40 originations. The 2nd most popular reason was Refi, with 23 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Other | 83 | $14,845,000 | $178,855 | $0 | 0.00% |
For 2019, American State Bank & Trust Company's most frequently cited loan duration was Other, with 83 originations.
Loan Sizing
2019 saw American State Bank & Trust Company place emphasis on $100,000 or less loans with 32 originations, totaling $1,850,000 in origination value.
Applicant Income
American State Bank & Trust Company lent most frequently to those with incomes in the $100k-150k range, with 27 originations. The second most popular income band? $75k-100k, with 15 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Exempt% | 83 | $14,845,000 | $178,855 | $0 | 0.00% |
American State Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 83 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.47%
American State Bank & Trust Company has an average approval rate.
Pick Rate
Approvals leading to origination71.08%
American State Bank & Trust Company has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
Exempt | 83 | $14,845,000 | $178,855 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
Single Family (1-4 Units):Manufactured | 1 | $65,000 | $65,000 |
Single Family (1-4 Units):Site-Built | 82 | $14,780,000 | $180,244 |
Complaints
Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
AMERICAN EXPRESS COMPANY | Conventional home mortgage | Struggling to pay mortgage | 1 | 100.0% |