United Bank & Trust Mortgage Rates, Fees & Info
Marysville, KSLEI: 549300YGJL5TVDN6LR41
Tax ID: 36-4544942
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Mortgage Data
Review & Overview
United Bank & Trust is a smaller bank specializing in Home Purchase loans. United Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Manhattan, Lawrence, and Topeka among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)United Bank & 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
103Origination Dollar Volume (All Markets)
$14,895,000Top 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 | 97 | $13,825,000 | $142,526 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 103 | $14,895,000 | $144,612 | $0 | 0.00% |
For 2024, United Bank & Trust's most frequently originated type of loan was Conventional, with 103 originations.
Loan Reason
For 2024, United Bank & Trust's most frequently cited loan purpose was Home Purchase, with 78 originations. The 2nd most popular reason was Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 103 | $14,895,000 | $144,612 | $0 | 0.00% |
For 2024, United Bank & Trust's most frequently cited loan duration was Other, with 103 originations.
Loan Sizing
2024 saw United Bank & Trust place emphasis on $100,000 or less loans with 42 originations, totaling $2,200,000 in origination value.
Applicant Income
United Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 26 originations. The second most popular income band? $150k-250k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 103 | $14,895,000 | $144,612 | $0 | 0.00% |
United Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 103 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.04%
United Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.35%
United Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 103 | $14,895,000 | $144,612 |