Triumph Bank Mortgage Rates, Fees & Info

Memphis, TN

LEI: 549300TTP68WVF1GME12

Tax ID: 20-4385274

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

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    • Review & Overview

    Triumph Bank is a smaller bank specializing in Home Purchase loans. Triumph Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Memphis, Atlanta, Nashville, Warner Robins, and Washington among others. We have data for 204 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Triumph Bank 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. Triumph Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    Originations

    1,904

    Origination Dollar Volume (All Markets)

    $514,510,000

    Employee count

    144 Show all (42) awards

    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
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 419 $119,915,000 $286,193 $3,934 4.47%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 78 $24,360,000 $312,308 $3,141 4.35%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 52 $24,150,000 $464,423 $3,190 4.07%
    WARNER ROBINS, GA (FHA|USDA|VA) 112 $20,090,000 $179,375 $4,181 4.45%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 47 $17,475,000 $371,809 $3,206 4.29%
    Outside of Metro Areas 90 $16,000,000 $177,778 $4,136 4.53%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 39 $12,085,000 $309,872 $3,777 4.18%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 36 $11,640,000 $323,333 $2,800 4.28%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 28 $10,350,000 $369,643 $3,260 4.17%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 24 $9,240,000 $385,000 $2,425 4.27%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 26 $8,760,000 $336,923 $3,970 4.20%
    RALEIGH-CARY, NC (FHA|USDA|VA) 24 $7,590,000 $316,250 $2,710 4.28%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 23 $7,355,000 $319,783 $4,140 4.30%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $7,090,000 $295,417 $3,977 4.19%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 18 $6,260,000 $347,778 $3,775 4.35%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 16 $5,060,000 $316,250 $2,829 4.22%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 14 $4,970,000 $355,000 $2,746 4.17%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 17 $4,955,000 $291,471 $2,418 4.10%
    DOTHAN, AL (FHA|USDA|VA) 26 $4,910,000 $188,846 $4,198 4.52%
    RICHMOND, VA (FHA|USDA|VA) 15 $4,715,000 $314,333 $3,004 4.31%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 16 $4,350,000 $271,875 $1,847 4.40%
    Waycross, GA (FHA|USDA|VA) 26 $4,340,000 $166,923 $3,921 4.68%
    SALT LAKE CITY, UT (FHA|USDA|VA) 12 $4,190,000 $349,167 $2,218 4.22%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 11 $4,095,000 $372,273 $3,834 4.24%
    GADSDEN, AL (FHA|USDA|VA) 27 $3,955,000 $146,481 $3,324 4.70%
    COLUMBUS, OH (FHA|USDA|VA) 13 $3,795,000 $291,923 $2,609 4.25%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 13 $3,695,000 $284,231 $4,007 4.29%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 10 $3,670,000 $367,000 $1,906 4.18%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 12 $3,650,000 $304,167 $5,448 4.23%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 15 $3,555,000 $237,000 $3,265 4.58%
    Jesup, GA (FHA|USDA|VA) 24 $3,540,000 $147,500 $3,593 4.71%
    HATTIESBURG, MS (FHA|USDA|VA) 21 $3,515,000 $167,381 $5,007 4.63%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $3,515,000 $270,385 $3,504 4.35%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 12 $3,470,000 $289,167 $2,153 4.18%
    JACKSONVILLE, FL (FHA|USDA|VA) 10 $3,370,000 $337,000 $4,217 4.10%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 9 $3,305,000 $367,222 $2,307 4.35%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 10 $3,250,000 $325,000 $2,716 4.34%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $3,245,000 $295,000 $4,029 4.32%
    ASHEVILLE, NC (FHA|USDA|VA) 10 $3,120,000 $312,000 $3,325 4.26%
    LOUISVILLE, KY (FHA|USDA|VA) 10 $3,070,000 $307,000 $1,973 4.14%
    SAVANNAH, GA (FHA|USDA|VA) 14 $3,030,000 $216,429 $4,563 4.61%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $2,940,000 $367,500 $3,503 4.38%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 9 $2,865,000 $318,333 $2,881 4.13%
    PROVO-OREM, UT (FHA|USDA|VA) 8 $2,540,000 $317,500 $4,704 4.17%
    Meridian, MS (FHA|USDA|VA) 12 $2,490,000 $207,500 $6,265 4.96%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $2,400,000 $300,000 $4,690 4.05%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $2,350,000 $293,750 $2,180 4.16%
    Calhoun, GA (FHA|USDA|VA) 18 $2,300,000 $127,778 $4,256 4.15%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 6 $2,270,000 $378,333 $6,146 4.17%
    BOULDER, CO (FHA|USDA|VA) 6 $2,220,000 $370,000 $3,775 3.81%
    ALBANY, GA (FHA|USDA|VA) 14 $2,140,000 $152,857 $4,524 4.46%
    VALDOSTA, GA (FHA|USDA|VA) 14 $2,060,000 $147,143 $3,067 4.79%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $2,000,000 $333,333 $3,230 4.33%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 6 $1,910,000 $318,333 $3,076 4.40%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $1,810,000 $301,667 $1,356 4.21%
    Tifton, GA (FHA|USDA|VA) 10 $1,800,000 $180,000 $4,478 4.70%
    COLUMBIA, SC (FHA|USDA|VA) 6 $1,780,000 $296,667 $3,448 3.90%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $1,750,000 $291,667 $2,717 4.23%
    Laurel, MS (FHA|USDA|VA) 12 $1,680,000 $140,000 $5,887 4.59%
    BRUNSWICK, GA (FHA|USDA|VA) 10 $1,630,000 $163,000 $4,731 4.73%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 7 $1,605,000 $229,286 $3,713 4.36%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,595,000 $319,000 $1,791 4.25%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $1,520,000 $380,000 $1,775 4.38%
    MOBILE, AL (FHA|USDA|VA) 8 $1,430,000 $178,750 $4,592 4.44%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,420,000 $236,667 $4,138 4.67%
    TOLEDO, OH (FHA|USDA|VA) 5 $1,375,000 $275,000 $2,860 3.80%
    BATON ROUGE, LA (FHA|USDA|VA) 5 $1,335,000 $267,000 $3,346 4.15%
    COLUMBUS, GA-AL (FHA|USDA|VA) 5 $1,205,000 $241,000 $2,131 4.15%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,200,000 $300,000 $2,258 4.41%
    JACKSON, TN (FHA|USDA|VA) 7 $1,195,000 $170,714 $3,263 4.46%
    Alexander City, AL (FHA|USDA|VA) 5 $1,145,000 $229,000 $4,143 4.30%
    Moultrie, GA (FHA|USDA|VA) 8 $1,110,000 $138,750 $3,165 4.55%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 6 $1,110,000 $185,000 $6,287 4.44%
    Dublin, GA (FHA|USDA|VA) 7 $1,105,000 $157,857 $6,399 4.52%
    McComb, MS (FHA|USDA|VA) 6 $1,050,000 $175,000 $5,181 4.42%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $1,045,000 $348,333 $8,031 4.08%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,025,000 $341,667 $2,711 4.50%
    HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,010,000 $252,500 $2,149 4.28%
    PITTSBURGH, PA (FHA|USDA|VA) 4 $980,000 $245,000 $3,430 4.09%
    ROANOKE, VA (FHA|USDA|VA) 3 $975,000 $325,000 $4,393 4.38%
    Thomaston, GA (FHA|USDA|VA) 7 $905,000 $129,286 $4,488 4.27%
    AKRON, OH (FHA|USDA|VA) 3 $895,000 $298,333 $2,719 4.42%
    ST. GEORGE, UT (FHA|USDA|VA) 3 $855,000 $285,000 $3,903 4.33%
    LAFAYETTE, LA (FHA|USDA|VA) 3 $825,000 $275,000 $3,601 4.33%
    DOVER, DE (FHA|USDA|VA) 3 $815,000 $271,667 $3,768 3.79%
    Fergus Falls, MN (FHA|USDA|VA) 2 $800,000 $400,000 $2,315 4.38%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $755,000 $251,667 $2,262 4.71%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $740,000 $370,000 $3,460 4.31%
    Milledgeville, GA (FHA|USDA|VA) 2 $720,000 $360,000 $3,834 4.50%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $715,000 $238,333 $1,795 4.50%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $715,000 $238,333 $2,626 4.50%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $710,000 $355,000 $3,705 4.38%
    West Point, MS (FHA|USDA|VA) 3 $675,000 $225,000 $9,052 4.79%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $670,000 $335,000 $2,418 4.50%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $650,000 $325,000 $3,191 4.31%
    ROCHESTER, MN (FHA|USDA|VA) 2 $650,000 $325,000 $2,820 4.19%
    Douglas, GA (FHA|USDA|VA) 7 $635,000 $90,714 $4,212 4.68%
    SPRINGFIELD, MO (FHA|USDA|VA) 3 $635,000 $211,667 $3,440 3.96%
    MONROE, MI (FHA|USDA|VA) 3 $625,000 $208,333 $1,829 3.79%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $625,000 $208,333 $4,022 4.42%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $620,000 $310,000 $1,970 3.69%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $620,000 $310,000 $2,251 4.44%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $610,000 $305,000 $1,449 3.75%
    Ozark, AL (FHA|USDA|VA) 4 $590,000 $147,500 $3,363 4.81%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $570,000 $285,000 $1,956 4.25%
    JOPLIN, MO (FHA|USDA|VA) 2 $560,000 $280,000 $1,137 4.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $545,000 $181,667 $2,893 4.25%
    Brookhaven, MS (FHA|USDA|VA) 4 $540,000 $135,000 $3,870 4.38%
    WILMINGTON, NC (FHA|USDA|VA) 2 $520,000 $260,000 $2,092 4.56%
    SALISBURY, MD-DE (FHA|USDA|VA) 2 $520,000 $260,000 $2,631 4.25%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $520,000 $260,000 $2,412 4.63%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $490,000 $245,000 $3,369 4.38%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $455,000 $455,000 $3,022 4.25%
    Kearney, NE (FHA|USDA|VA) 1 $455,000 $455,000 $1,762 3.75%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $455,000 $455,000 $7,907 4.25%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $445,000 $445,000 $1,999 4.25%
    TUSCALOOSA, AL (FHA|USDA|VA) 2 $430,000 $215,000 $1,694 4.44%
    READING, PA (FHA|USDA|VA) 2 $430,000 $215,000 $2,702 4.56%
    Albertville, AL (FHA|USDA|VA) 2 $420,000 $210,000 $5,020 4.75%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $415,000 $415,000 $3,910 4.25%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $405,000 $405,000 $5,975 4.25%
    HINESVILLE, GA (FHA|USDA|VA) 2 $400,000 $200,000 $2,857 4.38%
    Traverse City, MI (FHA|USDA|VA) 1 $395,000 $395,000 $5,061 4.25%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 3 $395,000 $131,667 $4,168 4.67%
    Jefferson, GA (FHA|USDA|VA) 1 $395,000 $395,000 $1,863 3.88%
    Opelousas, LA (FHA|USDA|VA) 1 $395,000 $395,000 $3,406 4.63%
    St. Marys, GA (FHA|USDA|VA) 2 $390,000 $195,000 $3,629 4.44%
    Fremont, NE (FHA|USDA|VA) 1 $385,000 $385,000 $1,661 3.88%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $385,000 $385,000 $1,518 4.25%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $385,000 $385,000 $2,679 4.13%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,633 3.63%
    Whitewater, WI (FHA|USDA|VA) 1 $375,000 $375,000 $7,763 3.00%
    Fort Payne, AL (FHA|USDA|VA) 3 $375,000 $125,000 $2,643 4.50%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $375,000 $375,000 $1,118 4.00%
    Enterprise, AL (FHA|USDA|VA) 2 $370,000 $185,000 $3,780 3.88%
    Jasper, AL (FHA|USDA|VA) 2 $370,000 $185,000 $6,290 4.38%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $360,000 $180,000 $1,851 4.06%
    MADISON, WI (FHA|USDA|VA) 1 $355,000 $355,000 $2,035 4.25%
    Red Wing, MN (FHA|USDA|VA) 1 $355,000 $355,000 $2,165 4.25%
    Scottsboro, AL (FHA|USDA|VA) 1 $355,000 $355,000 $1,566 4.00%
    Seneca, SC (FHA|USDA|VA) 1 $345,000 $345,000 $2,376 4.25%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $335,000 $335,000 $2,151 4.25%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $335,000 $335,000 $2,613 4.63%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $325,000 $325,000 $3,521 4.38%
    Marietta, OH (FHA|USDA|VA) 1 $315,000 $315,000 $3,015 4.25%
    PUEBLO, CO (FHA|USDA|VA) 1 $315,000 $315,000 $12,068 4.13%
    Columbus, MS (FHA|USDA|VA) 2 $310,000 $155,000 $4,797 4.44%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $305,000 $305,000 $1,983 3.88%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $295,000 $295,000 $2,794 4.63%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $295,000 $295,000 $3,126 4.50%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $8,926 4.25%
    FARGO, ND-MN (FHA|USDA|VA) 1 $295,000 $295,000 $1,928 4.50%
    Americus, GA (FHA|USDA|VA) 3 $285,000 $95,000 $3,850 4.83%
    FLINT, MI (FHA|USDA|VA) 1 $285,000 $285,000 $1,557 4.88%
    JACKSON, MS (FHA|USDA|VA) 2 $280,000 $140,000 $5,978 4.44%
    LANCASTER, PA (FHA|USDA|VA) 1 $275,000 $275,000 $3,665 4.50%
    TERRE HAUTE, IN (FHA|USDA|VA) 1 $275,000 $275,000 $2,296 4.38%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $275,000 $275,000 $2,323 4.50%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $275,000 $275,000 $1,966 3.75%
    Cullman, AL (FHA|USDA|VA) 1 $265,000 $265,000 $3,128 4.25%
    Clarksburg, WV (FHA|USDA|VA) 1 $265,000 $265,000 $2,599 4.25%
    Mount Airy, NC (FHA|USDA|VA) 1 $265,000 $265,000 $1,669 4.38%
    MIDLAND, MI (FHA|USDA|VA) 1 $255,000 $255,000 $1,659 4.38%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $245,000 $245,000 $1,238 3.50%
    Cambridge, MD (FHA|USDA|VA) 1 $245,000 $245,000 $4,050 3.75%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $245,000 $245,000 $2,088 4.50%
    Natchitoches, LA (FHA|USDA|VA) 1 $235,000 $235,000 $2,474 3.25%
    LEBANON, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,193 4.38%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $235,000 $235,000 $1,811 4.38%
    APPLETON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $1,371 4.25%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $225,000 $225,000 $3,285 4.13%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $215,000 $215,000 $2,229 4.38%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $215,000 $215,000 $1,498 3.75%
    HAMMOND, LA (FHA|USDA|VA) 1 $215,000 $215,000 $7,430 4.25%
    Riverton, WY (FHA|USDA|VA) 1 $205,000 $205,000 $6,332 5.13%
    Huntingdon, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,798 4.38%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $205,000 $205,000 $1,850 4.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $205,000 $205,000 $2,787 4.75%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $205,000 $205,000 $1,473 5.00%
    Sheridan, WY (FHA|USDA|VA) 1 $205,000 $205,000 $1,370 3.75%
    Fort Dodge, IA (FHA|USDA|VA) 1 $195,000 $195,000 $1,580 4.75%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $195,000 $195,000 $1,484 4.38%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,053 3.75%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $185,000 $185,000 $2,183 4.25%
    Watertown, SD (FHA|USDA|VA) 1 $185,000 $185,000 $930 3.63%
    JACKSON, MI (FHA|USDA|VA) 1 $175,000 $175,000 $1,867 3.75%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $175,000 $175,000 $2,013 4.63%
    LaGrange, GA-AL (FHA|USDA|VA) 2 $170,000 $85,000 $4,134 4.56%
    Oxford, MS (FHA|USDA|VA) 1 $165,000 $165,000 $5,056 5.13%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,748 4.00%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $4,049 4.38%
    ROME, GA (FHA|USDA|VA) 1 $155,000 $155,000 $4,164 3.75%
    Muscatine, IA (FHA|USDA|VA) 1 $145,000 $145,000 $1,280 3.75%
    Mineral Wells, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,956 4.25%
    Branson, MO (FHA|USDA|VA) 1 $135,000 $135,000 $2,334 5.00%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,403 5.25%
    MANKATO, MN (FHA|USDA|VA) 1 $135,000 $135,000 $1,289 3.88%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $125,000 $125,000 $1,676 4.75%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $105,000 $105,000 $2,380 4.50%
    Troy, AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,249 4.88%
    Thomasville, GA (FHA|USDA|VA) 1 $95,000 $95,000 $3,631 4.50%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.00%
    Fitzgerald, GA (FHA|USDA|VA) 1 $85,000 $85,000 $4,495 4.88%
    Dyersburg, TN (FHA|USDA|VA) 1 $75,000 $75,000 $4,202 5.00%
    Triumph Bank's top markets include Memphis, Atlanta, Nashville, Warner Robins, and Washington among others.

    Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,523 $440,765,000 $289,406 $3,142 4.38%
    FHA 199 $31,805,000 $159,824 $5,996 4.48%
    VA 133 $35,715,000 $268,534 $5,422 4.15%
    USDA 49 $6,225,000 $127,041 $4,410 4.53%

    For 2018, Triumph Bank's most frequently originated type of loan was Conventional, with 1,523 originations. Their 2nd most popular type was FHA, with 199 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,389 $373,175,000 $268,665 $3,760 4.41%
    Refi 335 $96,995,000 $289,537 $2,979 4.19%
    Cash Out Refi 179 $44,045,000 $246,061 $3,829 4.50%
    Home Improvement 1 $295,000 $295,000 $1,622 3.88%

    For 2018, Triumph Bank's most frequently cited loan purpose was Home Purchase, with 1,389 originations. The 2nd most popular reason was Refi, with 335 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,641 $443,295,000 $270,137 $3,723 4.42%
    15 Year 182 $47,050,000 $258,516 $2,964 3.92%
    20 Year 50 $8,930,000 $178,600 $3,227 4.43%
    Other 23 $13,445,000 $584,565 $3,900 4.95%
    10 Year 7 $1,335,000 $190,714 $3,638 3.80%
    3 Year 1 $455,000 $455,000 $2,968 4.22%

    For 2018, Triumph Bank's most frequently cited loan duration was 30 Year, with 1,641 originations. The 2nd most popular length was 15 Year, with 182 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,276 $339,600,000 $266,144
    $1k-2k 314 $70,890,000 $225,764
    $2k-3k 134 $32,620,000 $243,433
    $3k-4k 57 $14,895,000 $261,316
    $5k+ 35 $12,265,000 $350,429
    $4k-5k 32 $11,840,000 $370,000

    Triumph Bank's average total fees were $3,723, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,276 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,372 $364,250,000 $265,488
    3-4% 407 $127,695,000 $313,747
    5-6% 121 $21,295,000 $175,992
    2.5-3% 3 $1,015,000 $338,333
    6-7% 1 $255,000 $255,000

    During 2018, Triumph Bank's average interest rate for loans was 4.42%, while their most frequently originated rate bucket for loans was 4-5%, with 1,372 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 973 $282,445,000 $290,283 $3,565 4.31%
    $100k-200k 495 $74,415,000 $150,333 $3,693 4.51%
    $400k-600k 225 $99,915,000 $444,067 $3,869 4.22%
    $100,000 or less 167 $12,335,000 $73,862 $3,214 4.69%
    $600k-1MM 36 $27,860,000 $773,889 $5,559 4.08%
    $1MM+ 8 $17,540,000 $2,192,500 $7,428 4.02%

    2018 saw Triumph Bank place emphasis on $200k-400k loans with 973 originations, totaling $282,445,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 546 $156,740,000 $287,070 $3,331 4.34%
    $75k-100k 348 $85,510,000 $245,718 $4,049 4.42%
    $50k-75k 327 $60,765,000 $185,826 $3,790 4.44%
    $150k-250k 303 $102,795,000 $339,257 $3,484 4.31%
    $50k or less 212 $24,170,000 $114,009 $3,621 4.57%
    $250k+ 157 $72,925,000 $464,490 $3,831 4.15%

    Triumph Bank lent most frequently to those with incomes in the $100k-150k range, with 546 originations. The second most popular income band? $75k-100k, with 348 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 502 $137,480,000 $273,865 $3,262 4.31%
    30-36% 389 $107,895,000 $277,365 $3,717 4.39%
    <20% 211 $55,455,000 $262,820 $3,177 4.30%
    37% 79 $20,305,000 $257,025 $3,292 4.43%
    40% 73 $19,275,000 $264,041 $4,189 4.44%
    42% 68 $17,970,000 $264,265 $3,690 4.44%
    39% 68 $17,460,000 $256,765 $3,019 4.39%
    41% 67 $16,735,000 $249,776 $3,444 4.43%
    38% 66 $16,350,000 $247,727 $3,823 4.40%
    36% 61 $17,725,000 $290,574 $4,344 4.38%
    44% 59 $15,225,000 $258,051 $4,435 4.41%
    43% 48 $11,330,000 $236,042 $3,724 4.43%
    45% 44 $11,150,000 $253,409 $4,438 4.47%
    47% 36 $10,010,000 $278,056 $5,098 4.55%
    46% 34 $9,010,000 $265,000 $4,754 4.50%
    48% 32 $7,520,000 $235,000 $3,478 4.39%
    49% 29 $7,405,000 $255,345 $4,167 4.38%
    50-60% 26 $5,400,000 $207,692 $5,285 4.40%
    >60% 4 $1,280,000 $320,000 $4,446 4.53%

    Triumph Bank lent most frequently to those with DTI ratios of 20-30%, with 502 originations. The next most common DTI ratio? 30-36%, with 389 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,480 $379,860,000 $256,662 $3,661 4.39%
    Not provided 199 $59,755,000 $300,276 $3,346 4.37%
    Asian 94 $33,390,000 $355,213 $3,545 4.22%
    Black 98 $23,950,000 $244,388 $4,185 4.39%
    Not applicable 7 $9,155,000 $1,307,857 $0 5.59%
    Asian Indian 12 $4,330,000 $360,833 $3,216 4.17%
    Chinese 4 $1,310,000 $327,500 $1,951 4.25%
    American Indian 5 $1,225,000 $245,000 $3,793 4.20%
    Native Hawaiian or Islander 2 $590,000 $295,000 $2,959 4.69%
    Other Asian 1 $395,000 $395,000 $4,013 4.25%
    Vietnamese 1 $335,000 $335,000 $1,463 4.25%
    Korean 1 $215,000 $215,000 $3,822 4.63%

    Approval Rates

    Total approvals of all applications
    90.74%

    Triumph Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    68.70%

    Triumph Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,904 $514,510,000 $270,226

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $8,950,000 $2,237,500
    Single Family (1-4 Units):Site-Built 1,900 $505,560,000 $266,084

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 33 $4,865,000 $147,424 $2,739 4.28%
    40-60% 95 $22,705,000 $239,000 $2,967 4.31%
    60-80% 669 $194,665,000 $290,979 $3,104 4.39%
    80-100% 1,074 $282,980,000 $263,482 $3,972 4.39%
    Over 100% 21 $5,945,000 $283,095 $8,521 4.22%
    Under 20% 4 $460,000 $115,000 $1,831 4.16%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Triumph Bank 1130 West Poplar Avenue Collierville, TN 38017 Full Service B&M $63,605
    Triumph Bank 278 Franklin Road Building 4 Suite 100 Brentwood, TN 37027 Full Service B&M $4,585
    Triumph Bank 5699 Poplar Avenue Memphis, TN 38119 Full Service B&M $405,096
    Triumph Bank 5810 Airline Rd Arlington, TN 38002 Full Service B&M $30,341
    Triumph Bank 7550 West Farmington Blvd Germantown, TN 38138 Full Service B&M $106,133

    For 2018, Triumph Bank had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $32,659
    Net interest income $23,317
    Total noninterest income $7,032
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $384
    Trading account gains and fees $0
    Additional Noninterest Income $6,648
    Pre-tax net operating income $8,136
    Securities gains (or losses, -) $0
    Income before extraordinary items $6,165
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,165
    Minority interest net income $0
    Net income $6,165
    Sale, conversion, retirement of capital stock, net $346
    Net operating income $6,165

    Triumph Bank's gross interest income from loans was $32,659,000.
    Triumph Bank's net interest income from loans was $23,317,000.
    Triumph Bank's fee based income from loans was $384,000.
    Triumph Bank's net income from loans was $6,165,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,342
    Provision for credit losses $950
    Total noninterest expense $21,263
    Salaries and employee benefits $12,461
    Premises and equipment expense $2,019
    Additional noninterest expense $6,783
    Applicable income taxes $1,971
    Net charge-offs $360
    Cash dividends $939

    Triumph Bank's interest expense for loans was $9,342,000.
    Triumph Bank's payroll and benefits expense were $12,461,000.
    Triumph Bank's property, plant and equipment expenses $2,019,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 2.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $620,808
    Deposits held in domestic offices $620,808
    Deposits by Individuals, partnerships, and corporations $594,264
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $26,545
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $148,283
    Demand deposits $84,741
    Nontransaction accounts $472,526
    Money market deposit accounts (MMDAs) $143,312
    Other savings deposits (excluding MMDAs) $5,734
    Total time deposits $323,480
    Total time and savings deposits $536,068
    Noninterest-bearing deposits $84,746
    Interest-bearing deposits $536,062
    Retail deposits $485,091
    IRAs and Keogh plan accounts $9,511
    Brokered deposits $94,466
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $787,746
    Cash & Balances due from depository institutions $15,213
    Interest-bearing balances $9,218
    Total securities $137,004
    Federal funds sold & reverse repurchase $0
    Net loans and leases $616,168
    Loan and leases loss allowance $6,434
    Trading account assets $0
    Bank premises and fixed assets $3,698
    Other real estate owned $0
    Goodwill and other intangibles $1,568
    All other assets $14,095

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $787,746
    Total Liabilities $720,061
    Total deposits $620,808
    Interest-bearing deposits $536,062
    Deposits held in domestic offices $620,808
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $2,650
    Trading liabilities $0
    Other borrowed funds $93,075
    Subordinated debt $0
    All other liabilities $3,528

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $616,168
    Loan and leases loss allowance $6,434
    Total loans and leases (domestic) $622,602
    All real estate loans $442,370
    Real estate loans in domestic offices $442,370
    Construction and development loans $56,794
    Residential 1-4 family construction $20,738
    Other construction, all land development and other land $36,056
    Loans secured by nonfarm nonresidential properties $178,199
    Nonfarm nonresidential secured by owner-occupied properties $45,113
    Commercial real estate & other non-farm, non-residential $133,086
    Multifamily residential real estate $44,000
    1-4 family residential loans $162,674
    Farmland loans $703
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $173,680
    To non-U.S. addressees $1,980
    Loans to individuals $4,030
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $698
    Other loans to individuals $3,332
    All other loans & leases $3,102
    Loans to foreign governments and official institutions $0
    Other loans $3,102
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,586
    Non 1-4 family restructured loans & leases $1,941
    Total loans and leases (foreign) $0

    Triumph Bank had $616,168,000 of loans outstanding in 2018. $442,370,000 of loans were in real estate loans. $56,794,000 of loans were in development loans. $44,000,000 of loans were in multifamily mortgage loans. $162,674,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $698,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 86 $25,733 $299,221
    Nonfarm, nonresidential loans - <$100k 6 $277 $46,167
    Nonfarm, nonresidential loans - $100-250k 28 $3,973 $141,893
    Nonfarm, nonresidential loans - $250k-1MM 52 $21,483 $413,135
    Commercial & Industrial, US addressed loans - <$1MM 414 $37,949 $91,664
    Commercial & Industrial, US addressed loans - <$100k 296 $7,773 $26,260
    Commercial & Industrial, US addressed loans - $100-250k 66 $8,239 $124,833
    Commercial & Industrial, US addressed loans - $250k-1MM 52 $21,937 $421,865
    Farmland loans - <$1MM 2 $248 $124,000
    Farmland loans - <$100k 1 $45 $45,000
    Farmland loans - $100-250k 1 $203 $203,000