Ynb Mortgage Rates, Fees & Info

Yukon, OK

LEI: 549300OMMGCT35VSS514

Tax ID: 73-0522050

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    Ynb is a smaller mortgage company specializing in Refi and Home Purchase loans. Ynb has a high proportion of conventional loans. Their top markets by origination volume include: Oklahoma City, Omaha, Lawton, and Fort Smith 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 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

    131

    Origination Dollar Volume (All Markets)

    $12,855,000

    Employee count

    73

    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) 126 $12,250,000 $97,222 $0 0.00%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
    LAWTON, OK (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    Outside of Metro Areas 2 $130,000 $65,000 $0 0.00%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
    Ynb's top markets include Oklahoma City, Omaha, Lawton, and Fort Smith among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 131 $12,855,000 $98,130 $0 0.00%

    For 2019, Ynb's most frequently originated type of loan was Conventional, with 131 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 69 $7,015,000 $101,667 $0 0.00%
    Home Purchase 43 $5,035,000 $117,093 $0 0.00%
    Other 10 $410,000 $41,000 $0 0.00%
    Home Improvement 9 $395,000 $43,889 $0 0.00%

    For 2019, Ynb's most frequently cited loan purpose was Refi, with 69 originations. The 2nd most popular reason was Home Purchase, with 43 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 131 $12,855,000 $98,130 $0 0.00%

    For 2019, Ynb's most frequently cited loan duration was Other, with 131 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 91 $5,195,000 $57,088 $0 0.00%
    $100k-200k 29 $3,795,000 $130,862 $0 0.00%
    $200k-400k 8 $2,210,000 $276,250 $0 0.00%
    $600k-1MM 2 $1,250,000 $625,000 $0 0.00%
    $400k-600k 1 $405,000 $405,000 $0 0.00%

    2019 saw Ynb place emphasis on $100,000 or less loans with 91 originations, totaling $5,195,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 16 $1,760,000 $110,000 $0 0.00%
    $50k-75k 16 $970,000 $60,625 $0 0.00%
    $50k or less 14 $890,000 $63,571 $0 0.00%
    $150k-250k 10 $1,200,000 $120,000 $0 0.00%
    $75k-100k 4 $520,000 $130,000 $0 0.00%
    $250k+ 1 $605,000 $605,000 $0 0.00%

    Ynb lent most frequently to those with incomes in the $100k-150k range, with 16 originations. The second most popular income band? $50k-75k, with 16 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 131 $12,855,000 $98,130 $0 0.00%

    Ynb lent most frequently to those with DTI ratios of Exempt%, with 131 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 67 $6,705,000 $100,075 $0 0.00%
    White 59 $5,785,000 $98,051 $0 0.00%
    Black 3 $185,000 $61,667 $0 0.00%
    Asian 2 $180,000 $90,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.67%

    Ynb has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.02%

    Ynb has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 131 $12,855,000 $98,130

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $775,000 $258,333
    Single Family (1-4 Units):Manufactured 4 $300,000 $75,000
    Single Family (1-4 Units):Site-Built 124 $11,780,000 $95,000

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    YNB 1550 Garth Brooks Blvd. Yukon, OK 73099 Full Service B&M $9,896
    YNB 218 North Mustang Road Mustang, OK 73064 Full Service B&M $13,107
    YNB 235 South Yukon Parkway Yukon, OK 73099 Full Service B&M $7,942
    YNB 401 Elm Street Yukon, OK 73099 Full Service B&M $162,778
    YNB 6201 Northwest 23rd Street Oklahoma City, OK 73127 Full Service B&M $22,493

    For 2019, Ynb had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $9,221
    Net interest income $8,019
    Total noninterest income $1,446
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $816
    Trading account gains and fees $0
    Additional Noninterest Income $630
    Pre-tax net operating income $1,526
    Securities gains (or losses, -) $140
    Income before extraordinary items $1,666
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,666
    Minority interest net income $0
    Net income $1,666
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,526

    Ynb's gross interest income from loans was $9,221,000.
    Ynb's net interest income from loans was $8,019,000.
    Ynb's fee based income from loans was $816,000.
    Ynb's net income from loans was $1,666,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,202
    Provision for credit losses $155
    Total noninterest expense $7,784
    Salaries and employee benefits $4,345
    Premises and equipment expense $1,369
    Additional noninterest expense $2,070
    Applicable income taxes $0
    Net charge-offs $51
    Cash dividends $305

    Ynb's interest expense for loans was $1,202,000.
    Ynb's payroll and benefits expense were $4,345,000.
    Ynb's property, plant and equipment expenses $1,369,000.

    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 0.0%
    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 0.0%
    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 $198,578
    Deposits held in domestic offices $198,578
    Deposits by Individuals, partnerships, and corporations $154,479
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $44,099
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $102,415
    Demand deposits $56,719
    Nontransaction accounts $96,163
    Money market deposit accounts (MMDAs) $22,991
    Other savings deposits (excluding MMDAs) $24,979
    Total time deposits $48,193
    Total time and savings deposits $141,859
    Noninterest-bearing deposits $56,719
    Interest-bearing deposits $141,859
    Retail deposits $188,821
    IRAs and Keogh plan accounts $7,352
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $217,656
    Cash & Balances due from depository institutions $19,186
    Interest-bearing balances $15,071
    Total securities $48,541
    Federal funds sold & reverse repurchase $682
    Net loans and leases $134,410
    Loan and leases loss allowance $1,163
    Trading account assets $0
    Bank premises and fixed assets $7,058
    Other real estate owned $540
    Goodwill and other intangibles $1,108
    All other assets $6,131

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $217,656
    Total Liabilities $198,926
    Total deposits $198,578
    Interest-bearing deposits $141,859
    Deposits held in domestic offices $198,578
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $348

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $134,410
    Loan and leases loss allowance $1,163
    Total loans and leases (domestic) $135,573
    All real estate loans $117,034
    Real estate loans in domestic offices $117,034
    Construction and development loans $31,361
    Residential 1-4 family construction $17,812
    Other construction, all land development and other land $13,549
    Loans secured by nonfarm nonresidential properties $36,589
    Nonfarm nonresidential secured by owner-occupied properties $10,008
    Commercial real estate & other non-farm, non-residential $26,581
    Multifamily residential real estate $4,360
    1-4 family residential loans $44,551
    Farmland loans $173
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $7,716
    To non-U.S. addressees $0
    Loans to individuals $9,851
    Credit card loans $0
    Related Plans $27
    Consumer Auto Loans $4,963
    Other loans to individuals $4,861
    All other loans & leases $972
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $86
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    YNB had $134,410,000 of loans outstanding in 2019. $117,034,000 of loans were in real estate loans. $31,361,000 of loans were in development loans. $4,360,000 of loans were in multifamily mortgage loans. $44,551,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $4,963,000 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 210 $14,975 $71,310
    Nonfarm, nonresidential loans - <$100k 169 $600 $3,550
    Nonfarm, nonresidential loans - $100-250k 10 $1,145 $114,500
    Nonfarm, nonresidential loans - $250k-1MM 31 $13,230 $426,774
    Commercial & Industrial, US addressed loans - <$1MM 164 $5,466 $33,329
    Commercial & Industrial, US addressed loans - <$100k 146 $4,456 $30,521
    Commercial & Industrial, US addressed loans - $100-250k 15 $783 $52,200
    Commercial & Industrial, US addressed loans - $250k-1MM 3 $227 $75,667
    Farmland loans - <$1MM 3 $173 $57,667
    Farmland loans - <$100k 2 $16 $8,000
    Farmland loans - $100-250k 1 $157 $157,000