Central Bank & Trust Mortgage Rates, Fees & Info
Lander, WYLEI: 549300RSNTKNOA7GNI77
Tax ID: 83-0128010
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Mortgage Data
Review & Overview
Central Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Central Bank & Trust has a high proportion of conventional loans. Their top (well, only) market is Riverton.Central Bank & Trust has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
34Origination Dollar Volume (All Markets)
$8,220,000Top 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 |
|---|---|---|---|---|---|
| Riverton, WY (FHA|USDA|VA) | 30 | $7,520,000 | $250,667 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $700,000 | $175,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 25 | $6,335,000 | $253,400 | $0 | 0.00% |
| USDA | 9 | $1,885,000 | $209,444 | $0 | 0.00% |
For 2023, Central Bank & Trust's most frequently originated type of loan was Conventional, with 25 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 | 25 | $5,535,000 | $221,400 | $0 | 0.00% |
| Refi | 9 | $2,685,000 | $298,333 | $0 | 0.00% |
For 2023, Central Bank & Trust's most frequently cited loan purpose was Home Purchase, with 25 originations. The 2nd most popular reason was Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 34 | $8,220,000 | $241,765 | $0 | 0.00% |
For 2023, Central Bank & Trust's most frequently cited loan duration was Other, with 34 originations.
Loan Sizing
2023 saw Central Bank & Trust place emphasis on $200k-400k loans with 13 originations, totaling $3,475,000 in origination value.
Applicant Income
Central Bank & Trust lent most frequently to those with incomes in the $75k-100k range, with 9 originations. The second most popular income band? $100k-150k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 34 | $8,220,000 | $241,765 | $0 | 0.00% |
Central Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 34 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.10%
Central Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination91.18%
Central Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 34 | $8,220,000 | $241,765 |