The Bennington State Bank Mortgage Rates, Fees & Info
Salina, KSLEI: 549300G5DUB6RE1MCL12
Tax ID: 48-0137740
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Mortgage Data
Review & Overview
The Bennington State Bank is a smaller bank specializing in Home Purchase and Refi loans. The Bennington State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Salina, Wichita, Manhattan, Kansas City, and Coffeyville among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)The Bennington State 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
348Origination Dollar Volume (All Markets)
$77,860,000Top 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 |
|---|---|---|---|---|---|
| Salina, KS (FHA|USDA|VA) | 128 | $26,240,000 | $205,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 86 | $23,190,000 | $269,651 | $0 | 0.00% |
| Outside of Metro Areas | 74 | $8,520,000 | $115,135 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 25 | $4,575,000 | $183,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 10 | $3,930,000 | $393,000 | $0 | 0.00% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $3,865,000 | $3,865,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $1,730,000 | $865,000 | $0 | 0.00% |
| McPherson, KS (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $0 | 0.00% |
| Hays, KS (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| Hutchinson, KS (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 348 | $77,860,000 | $223,736 | $0 | 0.00% |
For 2022, The Bennington State Bank's most frequently originated type of loan was Conventional, with 348 originations.
Loan Reason
For 2022, The Bennington State Bank's most frequently cited loan purpose was Home Purchase, with 191 originations. The 2nd most popular reason was Refi, with 85 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 348 | $77,860,000 | $223,736 | $0 | 0.00% |
For 2022, The Bennington State Bank's most frequently cited loan duration was Other, with 348 originations.
Loan Sizing
2022 saw The Bennington State Bank place emphasis on $100,000 or less loans with 167 originations, totaling $8,645,000 in origination value.
Applicant Income
The Bennington State Bank lent most frequently to those with incomes in the $50k or less range, with 54 originations. The second most popular income band? $100k-150k, with 39 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 348 | $77,860,000 | $223,736 | $0 | 0.00% |
The Bennington State Bank lent most frequently to those with DTI ratios of Exempt%, with 348 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.22%
The Bennington 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 origination89.66%
The Bennington State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 348 | $77,860,000 | $223,736 |