First State Bank And Trust Mortgage Rates, Fees & Info
Tonganoxie, KSLEI: 549300R8LYY54XS86414
Tax ID: 48-0451049
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First State Bank And Trust is a smaller bank specializing in Home Purchase loans. First State Bank And Trust has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Lawrence, Topeka, Washington, and North Port among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)First State Bank And Trust 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.
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Originations
126Origination Dollar Volume (All Markets)
$28,790,000Top 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 |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 70 | $13,050,000 | $186,429 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 34 | $8,160,000 | $240,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 12 | $2,900,000 | $241,667 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $1,805,000 | $1,805,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $835,000 | $278,333 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against First State Bank and Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 126 | $28,790,000 | $228,492 | $0 | 0.00% |
For 2022, First State Bank And Trust's most frequently originated type of loan was Conventional, with 126 originations.
Loan Reason
For 2022, First State Bank And Trust's most frequently cited loan purpose was Home Purchase, with 69 originations. The 2nd most popular reason was Cash Out Refi, with 25 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 126 | $28,790,000 | $228,492 | $0 | 0.00% |
For 2022, First State Bank And Trust's most frequently cited loan duration was Other, with 126 originations.
Loan Sizing
2022 saw First State Bank And Trust place emphasis on $100k-200k loans with 47 originations, totaling $7,165,000 in origination value.
Applicant Income
First State Bank And Trust lent most frequently to those with incomes in the $50k-75k range, with 28 originations. The second most popular income band? $100k-150k, with 25 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 126 | $28,790,000 | $228,492 | $0 | 0.00% |
First State Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 126 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.45%
First State Bank And Trust has an average approval rate.
Pick Rate
Approvals leading to origination78.57%
First State Bank And Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 126 | $28,790,000 | $228,492 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |