Btc Bank Mortgage Rates, Fees & Info

Bethany, MO

LEI: 549300YXOCZOXWKDIT11

Tax ID: 44-0170910

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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: Kansas City, Columbia, Sedalia, St. Joseph, and Springfield among others. We have data for 13 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

352

Origination Dollar Volume (All Markets)

$41,010,000

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 226 $24,280,000 $107,434 $0 0.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 24 $4,480,000 $186,667 $0 0.00%
COLUMBIA, MO (FHA|USDA|VA) 36 $3,700,000 $102,778 $0 0.00%
Sedalia, MO (FHA|USDA|VA) 21 $3,105,000 $147,857 $0 0.00%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 22 $2,900,000 $131,818 $0 0.00%
SPRINGFIELD, MO (FHA|USDA|VA) 16 $1,860,000 $116,250 $0 0.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
LAWRENCE, KS (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
Marshall, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
Warrensburg, MO (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
Kirksville, MO (FHA|USDA|VA) 1 $15,000 $15,000 $0 0.00%
Btc Bank's top markets include Kansas City, Columbia, Sedalia, St. Joseph, and Springfield among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 352 $41,010,000 $116,506 $0 0.00%

    For 2022, Btc Bank's most frequently originated type of loan was Conventional, with 352 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 205 $27,785,000 $135,537 $0 0.00%
    Refi 109 $11,435,000 $104,908 $0 0.00%
    Home Improvement 23 $665,000 $28,913 $0 0.00%
    Other 15 $1,125,000 $75,000 $0 0.00%

    For 2022, Btc Bank's most frequently cited loan purpose was Home Purchase, with 205 originations. The 2nd most popular reason was Refi, with 109 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 352 $41,010,000 $116,506 $0 0.00%

    For 2022, Btc Bank's most frequently cited loan duration was Other, with 352 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 215 $10,305,000 $47,930 $0 0.00%
    $100k-200k 85 $12,075,000 $142,059 $0 0.00%
    $200k-400k 42 $11,290,000 $268,810 $0 0.00%
    $400k-600k 6 $2,880,000 $480,000 $0 0.00%
    $1MM+ 2 $2,820,000 $1,410,000 $0 0.00%
    $600k-1MM 2 $1,640,000 $820,000 $0 0.00%

    2022 saw Btc Bank place emphasis on $100,000 or less loans with 215 originations, totaling $10,305,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 103 $9,925,000 $96,359 $0 0.00%
    $50k or less 86 $4,620,000 $53,721 $0 0.00%
    $75k-100k 47 $5,185,000 $110,319 $0 0.00%
    $150k-250k 38 $7,990,000 $210,263 $0 0.00%
    $100k-150k 36 $5,380,000 $149,444 $0 0.00%
    $250k+ 4 $770,000 $192,500 $0 0.00%

    Btc Bank lent most frequently to those with incomes in the $50k-75k range, with 103 originations. The second most popular income band? $50k or less, with 86 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 352 $41,010,000 $116,506 $0 0.00%

    Btc Bank lent most frequently to those with DTI ratios of Exempt%, with 352 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 310 $33,810,000 $109,065 $0 0.00%
    Not applicable 36 $6,760,000 $187,778 $0 0.00%
    American Indian 3 $245,000 $81,667 $0 0.00%
    Black 3 $195,000 $65,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.14%

    Btc Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.91%

    Btc Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 352 $41,010,000 $116,506

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    352 $41,010,000 $116,506