Btc Bank Mortgage Rates, Fees & Info
Bethany, MOLEI: 549300YXOCZOXWKDIT11
Tax ID: 44-0170910
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Btc Bank is a smaller bank specializing in Home Purchase and Refi loans. Btc Bank has a high proportion of conventional loans. Their top markets by origination volume include: Columbia, Kansas City, Sedalia, Springfield, and St. Joseph among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)Btc Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
442Origination Dollar Volume (All Markets)
$62,860,000Top 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 | 265 | $34,065,000 | $128,547 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 52 | $7,360,000 | $141,538 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 32 | $6,000,000 | $187,500 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 24 | $4,700,000 | $195,833 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 29 | $4,485,000 | $154,655 | $0 | 0.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 17 | $3,695,000 | $217,353 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $0 | 0.00% |
| Moberly, MO (FHA|USDA|VA) | 7 | $545,000 | $77,857 | $0 | 0.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| Marshall, MO (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 0.00% |
| Searcy, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Atchison, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| Maryville, MO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| Mexico, MO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
| Ottumwa, IA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 442 | $62,860,000 | $142,217 | $0 | 0.00% |
For 2024, Btc Bank's most frequently originated type of loan was Conventional, with 442 originations.
Loan Reason
For 2024, Btc Bank's most frequently cited loan purpose was Home Purchase, with 252 originations. The 2nd most popular reason was Refi, with 145 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 442 | $62,860,000 | $142,217 | $0 | 0.00% |
For 2024, Btc Bank's most frequently cited loan duration was Other, with 442 originations.
Loan Sizing
2024 saw Btc Bank place emphasis on $100,000 or less loans with 200 originations, totaling $11,070,000 in origination value.
Applicant Income
Btc Bank lent most frequently to those with incomes in the $50k-75k range, with 96 originations. The second most popular income band? $75k-100k, with 78 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 442 | $62,860,000 | $142,217 | $0 | 0.00% |
Btc Bank lent most frequently to those with DTI ratios of Exempt%, with 442 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.85%
Btc Bank has an average approval rate.
Pick Rate
Approvals leading to origination95.48%
Btc Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 442 | $62,860,000 | $142,217 |