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 low ratio of USDA loans. Their top markets by origination volume include: Pittsburg, Kansas City, Atchison, Los Angeles, and Topeka among others. We have data for 17 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
256Origination Dollar Volume (All Markets)
$30,400,000Top 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 | 106 | $12,250,000 | $115,566 | $0 | 0.00% |
| Pittsburg, KS (FHA|USDA|VA) | 99 | $11,055,000 | $111,667 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $0 | 0.00% |
| Atchison, KS (FHA|USDA|VA) | 13 | $1,505,000 | $115,769 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 8 | $660,000 | $82,500 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 5 | $475,000 | $95,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 0.00% |
| Parsons, KS (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Dodge City, KS (FHA|USDA|VA) | 4 | $240,000 | $60,000 | $0 | 0.00% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 0.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Coffeyville, KS (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 | 247 | $29,605,000 | $119,858 | $0 | 0.00% |
| USDA | 9 | $795,000 | $88,333 | $0 | 0.00% |
For 2022, Gnbank's most frequently originated type of loan was Conventional, with 247 originations. Their 2nd most popular type was USDA, with 9 originations.
Loan Reason
For 2022, Gnbank's most frequently cited loan purpose was Home Purchase, with 109 originations. The 2nd most popular reason was Refi, with 93 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 256 | $30,400,000 | $118,750 | $0 | 0.00% |
For 2022, Gnbank's most frequently cited loan duration was Other, with 256 originations.
Loan Sizing
2022 saw Gnbank place emphasis on $100,000 or less loans with 149 originations, totaling $8,295,000 in origination value.
Applicant Income
Gnbank lent most frequently to those with incomes in the $50k or less range, with 66 originations. The second most popular income band? $75k-100k, with 56 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 256 | $30,400,000 | $118,750 | $0 | 0.00% |
Gnbank lent most frequently to those with DTI ratios of Exempt%, with 256 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.84%
Gnbank has a below average approval rate.
Pick Rate
Approvals leading to origination87.11%
Gnbank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 256 | $30,400,000 | $118,750 |