Gnbank Mortgage Rates, Fees & Info
GIRARD, KSLEI: 549300QUH5S3VFIWMU57
Tax ID: 48-0237220
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Mortgage Data
Review & Overview
Gnbank is a smaller bank specializing in Home Purchase and Refi loans. Gnbank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Pittsburg, Kansas City, Topeka, Garden City, and Atchison among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)Gnbank 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
177Origination Dollar Volume (All Markets)
$17,185,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 87 | $7,305,000 | $83,966 | $0 | 0.00% |
| Pittsburg, KS (FHA|USDA|VA) | 59 | $5,795,000 | $98,220 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $0 | 0.00% |
| Garden City, KS (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Atchison, KS (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $0 | 0.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 0.00% |
| Dodge City, KS (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 0.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| McPherson, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 160 | $15,950,000 | $99,688 | $0 | 0.00% |
| USDA | 16 | $1,210,000 | $75,625 | $0 | 0.00% |
| FHA | 1 | $25,000 | $25,000 | $0 | 0.00% |
For 2019, Gnbank's most frequently originated type of loan was Conventional, with 160 originations. Their 2nd most popular type was USDA, with 16 originations.
Loan Reason
For 2019, Gnbank's most frequently cited loan purpose was Home Purchase, with 95 originations. The 2nd most popular reason was Refi, with 48 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 177 | $17,185,000 | $97,090 | $0 | 0.00% |
For 2019, Gnbank's most frequently cited loan duration was Other, with 177 originations.
Loan Sizing
2019 saw Gnbank place emphasis on $100,000 or less loans with 108 originations, totaling $5,260,000 in origination value.
Applicant Income
Gnbank lent most frequently to those with incomes in the $50k-75k range, with 44 originations. The second most popular income band? $50k or less, with 44 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 177 | $17,185,000 | $97,090 | $0 | 0.00% |
Gnbank lent most frequently to those with DTI ratios of Exempt%, with 177 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications73.27%
Gnbank has a below average approval rate.
Pick Rate
Approvals leading to origination70.62%
Gnbank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 177 | $17,185,000 | $97,090 |