Ynb Mortgage Rates, Fees & Info

Yukon, OK

LEI: 549300OMMGCT35VSS514

Tax ID: 73-0522050

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Mortgage Data

Review & Overview

Ynb is a smaller mortgage company specializing in Home Purchase and Refi loans. Ynb has a high proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Shawnee, Tahlequah, and Muskogee among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

Ynb 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

88

Origination Dollar Volume (All Markets)

$13,920,000

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
OKLAHOMA CITY, OK (FHA|USDA|VA) 81 $13,165,000 $162,531 $0 0.00%
Outside of Metro Areas 4 $470,000 $117,500 $0 0.00%
Shawnee, OK (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
Tahlequah, OK (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
Muskogee, OK (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
Ynb's top markets include Oklahoma City, Shawnee, Tahlequah, and Muskogee among others.

Their top states include:
  • Oklahoma (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 88 $13,920,000 $158,182 $0 0.00%

    For 2023, Ynb's most frequently originated type of loan was Conventional, with 88 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 44 $10,070,000 $228,864 $0 0.00%
    Refi 32 $3,340,000 $104,375 $0 0.00%
    Home Improvement 9 $385,000 $42,778 $0 0.00%
    Other 3 $125,000 $41,667 $0 0.00%

    For 2023, Ynb's most frequently cited loan purpose was Home Purchase, with 44 originations. The 2nd most popular reason was Refi, with 32 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 88 $13,920,000 $158,182 $0 0.00%

    For 2023, Ynb's most frequently cited loan duration was Other, with 88 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 35 $1,975,000 $56,429 $0 0.00%
    $100k-200k 25 $3,255,000 $130,200 $0 0.00%
    $200k-400k 25 $7,045,000 $281,800 $0 0.00%
    $400k-600k 2 $940,000 $470,000 $0 0.00%
    $600k-1MM 1 $705,000 $705,000 $0 0.00%

    2023 saw Ynb place emphasis on $100,000 or less loans with 35 originations, totaling $1,975,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 10 $1,450,000 $145,000 $0 0.00%
    $50k-75k 10 $790,000 $79,000 $0 0.00%
    $75k-100k 9 $1,095,000 $121,667 $0 0.00%
    $150k-250k 7 $975,000 $139,286 $0 0.00%
    $50k or less 6 $460,000 $76,667 $0 0.00%
    $250k+ 2 $170,000 $85,000 $0 0.00%

    Ynb lent most frequently to those with incomes in the $100k-150k range, with 10 originations. The second most popular income band? $50k-75k, with 10 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 88 $13,920,000 $158,182 $0 0.00%

    Ynb lent most frequently to those with DTI ratios of Exempt%, with 88 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 40 $8,710,000 $217,750 $0 0.00%
    White 43 $4,695,000 $109,186 $0 0.00%
    American Indian 2 $300,000 $150,000 $0 0.00%
    Asian 2 $160,000 $80,000 $0 0.00%
    Not provided 1 $55,000 $55,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.88%

    Ynb has an average approval rate.

    Pick Rate

    Approvals leading to origination
    95.45%

    Ynb has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 88 $13,920,000 $158,182

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    88 $13,920,000 $158,182