United Bank & Trust Mortgage Rates, Fees & Info

Marysville, KS

LEI: 549300YGJL5TVDN6LR41

Tax ID: 36-4544942

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    United Bank & Trust is a smaller bank specializing in Home Purchase, Cash Out Refi, and Refi loans. United Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Topeka, Manhattan, and Kansas City 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.

    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.

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    Originations

    176

    Origination Dollar Volume (All Markets)

    $35,230,000

    Employee count

    90

    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 158 $21,130,000 $133,734 $0 0.00%
    TOPEKA, KS (FHA|USDA|VA) 4 $10,110,000 $2,527,500 $0 0.00%
    MANHATTAN, KS (FHA|USDA|VA) 12 $3,150,000 $262,500 $0 0.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $840,000 $420,000 $0 0.00%
    United Bank & Trust's top markets include Topeka, Manhattan, and Kansas City among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 176 $35,230,000 $200,170 $0 0.00%

    For 2021, United Bank & Trust's most frequently originated type of loan was Conventional, with 176 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 85 $11,415,000 $134,294 $0 0.00%
    Cash Out Refi 43 $7,595,000 $176,628 $0 0.00%
    Refi 40 $15,490,000 $387,250 $0 0.00%
    Other 5 $475,000 $95,000 $0 0.00%
    Home Improvement 3 $255,000 $85,000 $0 0.00%

    For 2021, United Bank & Trust's most frequently cited loan purpose was Home Purchase, with 85 originations. The 2nd most popular reason was Cash Out Refi, with 43 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 176 $35,230,000 $200,170 $0 0.00%

    For 2021, United Bank & Trust's most frequently cited loan duration was Other, with 176 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 71 $4,045,000 $56,972 $0 0.00%
    $100k-200k 64 $8,640,000 $135,000 $0 0.00%
    $200k-400k 33 $8,375,000 $253,788 $0 0.00%
    $400k-600k 3 $1,415,000 $471,667 $0 0.00%
    $600k-1MM 3 $2,365,000 $788,333 $0 0.00%
    $1MM+ 2 $10,390,000 $5,195,000 $0 0.00%

    2021 saw United Bank & Trust place emphasis on $100,000 or less loans with 71 originations, totaling $4,045,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 40 $7,040,000 $176,000 $0 0.00%
    $50k-75k 40 $3,610,000 $90,250 $0 0.00%
    $50k or less 28 $2,180,000 $77,857 $0 0.00%
    $75k-100k 28 $3,840,000 $137,143 $0 0.00%
    $150k-250k 15 $2,985,000 $199,000 $0 0.00%
    $250k+ 5 $1,655,000 $331,000 $0 0.00%

    United Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 40 originations. The second most popular income band? $50k-75k, with 40 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 176 $35,230,000 $200,170 $0 0.00%

    United Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 176 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 162 $22,980,000 $141,852 $0 0.00%
    Not applicable 7 $11,025,000 $1,575,000 $0 0.00%
    Not provided 3 $655,000 $218,333 $0 0.00%
    Asian 2 $290,000 $145,000 $0 0.00%
    American Indian 2 $280,000 $140,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    92.96%

    United Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.50%

    United Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 176 $35,230,000 $200,170

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    176 $35,230,000 $200,170

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 20.0%
    UNITED COMMUNITY BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
    UNITED COMMUNITY BANK Conventional home mortgage Trouble during payment process 1 20.0%
    UNITED COMMUNITY BANK Other type of mortgage Trouble during payment process 1 20.0%
    UNITED COMMUNITY BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    United Bank & Trust 502 Lincoln Ave Clay Center, KS 67432 Full Service B&M $87,832
    United Bank & Trust 502 Main Street Seneca, KS 66538 Full Service B&M $134,666
    United Bank & Trust 511 Paramount St Sabetha, KS 66534 Limited, Mobile/Seasonal Office $0
    United Bank & Trust 602 North Street Seneca, KS 66538 Limited, Drive-thru $0
    United Bank & Trust 722 Main Street Beattie, KS 66406 Full Service B&M $15,125
    United Bank & Trust 726 West Crawford Clay Center, KS 67432 Limited, Drive-thru $0
    United Bank & Trust 823 Broadway Marysville, KS 66508 Full Service B&M $116,247
    United Bank & Trust 935 Main Street Sabetha, KS 66534 Full Service B&M $95,240
    United Bank & Trust 221 North 4th St. Manhattan, KS 66502 Full Service B&M $10,286
    United Bank & Trust 229 C Street Washington, KS 66968 Full Service B&M $34,163
    United Bank & Trust 300 Fourth Street Linn, KS 66953 Full Service B&M $32,941
    United Bank & Trust 105 Washington Avenue Sabetha, KS 66534 Limited, Drive-thru $0
    United Bank & Trust 2010 Lincoln Street Concordia, KS 66901 Full Service B&M $49,470
    United Bank & Trust 203 North 18th Street Marysville, KS 66508 Limited, Drive-thru $0

    For 2021, United Bank & Trust had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,920
    Net interest income $23,307
    Total noninterest income $3,314
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $534
    Trading account gains and fees $0
    Additional Noninterest Income $2,780
    Pre-tax net operating income $12,257
    Securities gains (or losses, -) $9
    Income before extraordinary items $9,618
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,618
    Minority interest net income $0
    Net income $9,618
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,610

    United Bank & Trust's gross interest income from loans was $25,920,000.
    United Bank & Trust's net interest income from loans was $23,307,000.
    United Bank & Trust's fee based income from loans was $534,000.
    United Bank & Trust's net income from loans was $9,618,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,613
    Provision for credit losses $600
    Total noninterest expense $13,764
    Salaries and employee benefits $7,001
    Premises and equipment expense $1,530
    Additional noninterest expense $5,233
    Applicable income taxes $2,648
    Net charge-offs $-59
    Cash dividends $6,000

    United Bank & Trust's interest expense for loans was $2,613,000.
    United Bank & Trust's payroll and benefits expense were $7,001,000.
    United Bank & Trust's property, plant and equipment expenses $1,530,000.

    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 0.0%
    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 $601,137
    Deposits held in domestic offices $601,137
    Deposits by Individuals, partnerships, and corporations $496,198
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $100,469
    Deposits by Commercial banks and other depository institutions in U.S. $4,470
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $331,803
    Demand deposits $185,949
    Nontransaction accounts $269,334
    Money market deposit accounts (MMDAs) $38,861
    Other savings deposits (excluding MMDAs) $140,570
    Total time deposits $89,903
    Total time and savings deposits $415,188
    Noninterest-bearing deposits $116,628
    Interest-bearing deposits $484,509
    Retail deposits $592,199
    IRAs and Keogh plan accounts $17,902
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $761,106
    Cash & Balances due from depository institutions $74,902
    Interest-bearing balances $67,172
    Total securities $161,146
    Federal funds sold & reverse repurchase $125
    Net loans and leases $473,428
    Loan and leases loss allowance $5,780
    Trading account assets $0
    Bank premises and fixed assets $9,365
    Other real estate owned $5,186
    Goodwill and other intangibles $9,540
    All other assets $27,414

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $761,106
    Total Liabilities $673,359
    Total deposits $601,137
    Interest-bearing deposits $484,509
    Deposits held in domestic offices $601,137
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $13,870
    Trading liabilities $0
    Other borrowed funds $56,042
    Subordinated debt $0
    All other liabilities $2,310

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $473,428
    Loan and leases loss allowance $5,780
    Total loans and leases (domestic) $479,208
    All real estate loans $321,340
    Real estate loans in domestic offices $321,340
    Construction and development loans $8,269
    Residential 1-4 family construction $2,991
    Other construction, all land development and other land $5,278
    Loans secured by nonfarm nonresidential properties $60,334
    Nonfarm nonresidential secured by owner-occupied properties $23,120
    Commercial real estate & other non-farm, non-residential $37,214
    Multifamily residential real estate $6,983
    1-4 family residential loans $60,773
    Farmland loans $184,981
    Loans held in foreign offices $0
    Farm loans $90,306
    Commercial and industrial loans $43,618
    To non-U.S. addressees $0
    Loans to individuals $10,750
    Credit card loans $0
    Related Plans $32
    Consumer Auto Loans $5,455
    Other loans to individuals $5,263
    All other loans & leases $13,194
    Loans to foreign governments and official institutions $0
    Other loans $224
    Loans to depository institutions and acceptances of other banks $4,000
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    United Bank & Trust had $473,428,000 of loans outstanding in 2021. $321,340,000 of loans were in real estate loans. $8,269,000 of loans were in development loans. $6,983,000 of loans were in multifamily mortgage loans. $60,773,000 of loans were in 1-4 family mortgage loans. $90,306,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,455,000 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 146 $17,410 $119,247
    Nonfarm, nonresidential loans - <$100k 66 $2,130 $32,273
    Nonfarm, nonresidential loans - $100-250k 46 $4,517 $98,196
    Nonfarm, nonresidential loans - $250k-1MM 34 $10,763 $316,559
    Commercial & Industrial, US addressed loans - <$1MM 407 $20,768 $51,027
    Commercial & Industrial, US addressed loans - <$100k 313 $6,067 $19,383
    Commercial & Industrial, US addressed loans - $100-250k 59 $4,565 $77,373
    Commercial & Industrial, US addressed loans - $250k-1MM 35 $10,136 $289,600
    Farmland loans - <$1MM 514 $69,397 $135,014
    Farmland loans - <$100k 161 $6,372 $39,578
    Farmland loans - $100-250k 225 $29,086 $129,271
    Farmland loans - $250k-1MM 128 $33,939 $265,148
    Agriculture operations loans - <$1MM 904 $44,885 $49,652
    Agriculture operations loans - <$100k 682 $15,100 $22,141
    Agriculture operations loans - $100-250k 153 $14,735 $96,307
    Agriculture operations loans - $250k-1MM 69 $15,050 $218,116