United Bank & Trust Mortgage Rates, Fees & Info

Marysville, KS

LEI: 549300YGJL5TVDN6LR41

Tax ID: 36-4544942

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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)

    • 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: Kansas City, Manhattan, 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.

    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

    124

    Origination Dollar Volume (All Markets)

    $16,230,000

    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 104 $12,340,000 $118,654 $0 0.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 8 $2,250,000 $281,250 $0 0.00%
    MANHATTAN, KS (FHA|USDA|VA) 11 $1,505,000 $136,818 $0 0.00%
    TOPEKA, KS (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    United Bank & Trust's top markets include Kansas City, Manhattan, and Topeka among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 124 $16,230,000 $130,887 $0 0.00%

    For 2022, United Bank & Trust's most frequently originated type of loan was Conventional, with 124 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 89 $13,215,000 $148,483 $0 0.00%
    Refi 24 $2,070,000 $86,250 $0 0.00%
    Home Improvement 5 $235,000 $47,000 $0 0.00%
    Cash Out Refi 4 $600,000 $150,000 $0 0.00%
    Other 2 $110,000 $55,000 $0 0.00%

    For 2022, United Bank & Trust's most frequently cited loan purpose was Home Purchase, with 89 originations. The 2nd most popular reason was Refi, with 24 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 124 $16,230,000 $130,887 $0 0.00%

    For 2022, United Bank & Trust's most frequently cited loan duration was Other, with 124 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 62 $3,590,000 $57,903 $0 0.00%
    $100k-200k 38 $5,380,000 $141,579 $0 0.00%
    $200k-400k 20 $5,470,000 $273,500 $0 0.00%
    $400k-600k 4 $1,790,000 $447,500 $0 0.00%

    2022 saw United Bank & Trust place emphasis on $100,000 or less loans with 62 originations, totaling $3,590,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 28 $2,850,000 $101,786 $0 0.00%
    $75k-100k 26 $3,360,000 $129,231 $0 0.00%
    $50k or less 25 $2,055,000 $82,200 $0 0.00%
    $100k-150k 16 $2,780,000 $173,750 $0 0.00%
    $250k+ 7 $1,855,000 $265,000 $0 0.00%
    $150k-250k 5 $925,000 $185,000 $0 0.00%

    United Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 28 originations. The second most popular income band? $75k-100k, with 26 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 124 $16,230,000 $130,887 $0 0.00%

    United Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 124 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 107 $13,625,000 $127,336 $0 0.00%
    Not applicable 10 $1,670,000 $167,000 $0 0.00%
    Not provided 7 $935,000 $133,571 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.00%

    United Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.29%

    United Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 124 $16,230,000 $130,887

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    124 $16,230,000 $130,887

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Conventional home mortgage Closing on a mortgage 1 100.0%