Gnbank Mortgage Rates, Fees & Info

GIRARD, KS

LEI: 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

256

Origination Dollar Volume (All Markets)

$30,400,000

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
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%
Gnbank's top markets include Pittsburg, Kansas City, Atchison, Los Angeles, and Topeka among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 109 $13,265,000 $121,697 $0 0.00%
    Refi 93 $11,895,000 $127,903 $0 0.00%
    Cash Out Refi 24 $2,890,000 $120,417 $0 0.00%
    Home Improvement 15 $985,000 $65,667 $0 0.00%
    Other 15 $1,365,000 $91,000 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 149 $8,295,000 $55,671 $0 0.00%
    $100k-200k 68 $9,180,000 $135,000 $0 0.00%
    $200k-400k 32 $9,050,000 $282,813 $0 0.00%
    $400k-600k 5 $2,415,000 $483,000 $0 0.00%
    $600k-1MM 2 $1,460,000 $730,000 $0 0.00%

    2022 saw Gnbank place emphasis on $100,000 or less loans with 149 originations, totaling $8,295,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 66 $4,920,000 $74,545 $0 0.00%
    $75k-100k 56 $5,950,000 $106,250 $0 0.00%
    $50k-75k 45 $4,195,000 $93,222 $0 0.00%
    $100k-150k 32 $4,830,000 $150,938 $0 0.00%
    $150k-250k 30 $4,140,000 $138,000 $0 0.00%
    $250k+ 10 $4,170,000 $417,000 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 224 $25,940,000 $115,804 $0 0.00%
    Not applicable 16 $2,090,000 $130,625 $0 0.00%
    Not provided 9 $1,775,000 $197,222 $0 0.00%
    American Indian 6 $570,000 $95,000 $0 0.00%
    Black 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    83.84%

    Gnbank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.11%

    Gnbank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 256 $30,400,000 $118,750

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    256 $30,400,000 $118,750