Ks Statebank Mortgage Rates, Fees & Info

Manhattan, KS

LEI: 549300Z6EE8DBBFUW487

Tax ID: 48-0760380

5 stars - out of 5 stars, based on 61 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Ks Statebank is a small bank specializing in Refi and Home Purchase loans. Ks Statebank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Minneapolis, Wichita, Manhattan, and Washington among others. We have data for 355 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Ks Statebank 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. Ks Statebank is typically an average fee lender. They typically have about average rates.

    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 in 2021-- chances are they are still one in 2022.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.46% 8/6/22
    30 Year Conventional Refi 5.39% 8/6/22
    30 Year Cash-out Refi 5.64% 8/6/22
    30 Year FHA Purchase 6.04% 8/6/22
    30 Year FHA Refi 6.05% 8/6/22
    30 Year VA Purchase 4.89% 8/6/22
    30 Year VA Refi 4.77% 8/6/22
    30 Year USDA Purchase 5.82% 8/6/22
    30 Year USDA Refi 5.30% 8/6/22
    15 Year Conventional Purchase 4.57% 8/6/22
    15 Year Conventional Refi 4.39% 8/6/22
    15 Year Cash-out Refi 4.39% 8/6/22
    15 Year VA Purchase 4.41% 8/6/22
    15 Year VA Refi 4.42% 8/6/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    3,750

    Origination Dollar Volume (All Markets)

    $1,436,710,000

    Employee count

    195 Show all (53) awards

    Relative Rate

    Ks Statebank's average 30 year fixed rate mortgage of loans were 2.72%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of -0.43%.

    Relative Fees

    Ks Statebank's average total fees for a 30 year fixed rate mortgage are $4,408.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

    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
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 467 $266,545,000 $570,760 $3,556 3.37%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 343 $108,195,000 $315,437 $2,551 2.74%
    WICHITA, KS (FHA|USDA|VA) » 235 $64,015,000 $272,404 $2,307 4.03%
    MANHATTAN, KS (FHA|USDA|VA) » 305 $63,795,000 $209,164 $2,655 3.14%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 110 $55,380,000 $503,455 $4,701 2.56%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) » 108 $40,220,000 $372,407 $5,229 2.62%
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 141 $39,545,000 $280,461 $3,117 3.53%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 41 $32,495,000 $792,561 $6,595 2.78%
    Outside of Metro Areas 91 $28,375,000 $311,813 $3,259 2.89%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 70 $25,340,000 $362,000 $7,354 2.53%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 57 $25,265,000 $443,246 $3,932 2.57%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 59 $23,005,000 $389,915 $5,206 2.69%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 44 $19,900,000 $452,273 $3,262 2.78%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 47 $17,045,000 $362,660 $4,530 2.82%
    TUCSON, AZ (FHA|USDA|VA) » 35 $16,265,000 $464,714 $3,992 3.58%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » 36 $16,200,000 $450,000 $8,163 2.50%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 42 $15,870,000 $377,857 $5,079 2.66%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 38 $13,810,000 $363,421 $4,486 2.57%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 14 $11,510,000 $822,143 $4,171 2.63%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 25 $10,905,000 $436,200 $5,191 2.55%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 26 $10,610,000 $408,077 $3,128 2.67%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) » 21 $10,385,000 $494,524 $4,300 2.61%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 22 $9,630,000 $437,727 $6,437 2.64%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 24 $9,350,000 $389,583 $3,975 2.57%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » 20 $9,060,000 $453,000 $5,038 2.61%
    TOLEDO, OH (FHA|USDA|VA) » 10 $8,940,000 $894,000 $4,232 3.53%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 22 $8,910,000 $405,000 $2,511 2.53%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 20 $8,460,000 $423,000 $5,207 2.68%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 14 $8,180,000 $584,286 $5,783 2.66%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 20 $7,630,000 $381,500 $3,039 2.56%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 6 $7,560,000 $1,260,000 $5,115 3.02%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 16 $7,530,000 $470,625 $6,320 2.38%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 20 $7,340,000 $367,000 $3,734 2.52%
    BAKERSFIELD, CA (FHA|USDA|VA) » 24 $6,940,000 $289,167 $4,180 2.73%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) » 16 $6,700,000 $418,750 $2,496 2.38%
    ANCHORAGE, AK (FHA|USDA|VA) » 14 $6,530,000 $466,429 $7,790 2.46%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 16 $6,310,000 $394,375 $7,325 2.66%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » 19 $6,135,000 $322,895 $2,572 2.65%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 16 $5,750,000 $359,375 $3,139 2.48%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 19 $5,715,000 $300,789 $3,962 2.46%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 15 $5,485,000 $365,667 $1,767 3.05%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 16 $5,420,000 $338,750 $3,703 2.73%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 15 $5,355,000 $357,000 $4,780 2.42%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 16 $5,290,000 $330,625 $3,549 2.90%
    HUNTSVILLE, AL (FHA|USDA|VA) » 13 $5,245,000 $403,462 $3,269 2.68%
    Brainerd, MN (FHA|USDA|VA) » 15 $5,225,000 $348,333 $3,227 2.85%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) » 12 $5,190,000 $432,500 $6,826 2.57%
    ALBUQUERQUE, NM (FHA|USDA|VA) » 14 $5,180,000 $370,000 $4,069 2.78%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » 14 $5,170,000 $369,286 $5,965 2.67%
    Alamogordo, NM (FHA|USDA|VA) » 21 $4,995,000 $237,857 $6,432 2.39%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 16 $4,800,000 $300,000 $3,234 2.65%
    JACKSONVILLE, FL (FHA|USDA|VA) » 14 $4,650,000 $332,143 $4,990 2.64%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 11 $4,605,000 $418,636 $4,797 2.44%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 6 $4,400,000 $733,333 $3,511 2.81%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » 13 $4,355,000 $335,000 $8,261 2.72%
    Payson, AZ (FHA|USDA|VA) » 4 $4,300,000 $1,075,000 $4,145 3.63%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 11 $4,155,000 $377,727 $7,755 2.81%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » 6 $4,050,000 $675,000 $7,105 2.81%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » 8 $4,000,000 $500,000 $3,876 2.94%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) » 10 $3,980,000 $398,000 $2,047 2.74%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) » 5 $3,975,000 $795,000 $458 3.91%
    SALT LAKE CITY, UT (FHA|USDA|VA) » 7 $3,875,000 $553,571 $5,379 2.75%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » 7 $3,845,000 $549,286 $5,658 2.72%
    BOULDER, CO (FHA|USDA|VA) » 10 $3,760,000 $376,000 $1,727 2.65%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) » 8 $3,750,000 $468,750 $7,625 2.66%
    TOPEKA, KS (FHA|USDA|VA) » 14 $3,690,000 $263,571 $2,692 3.03%
    EL PASO, TX (FHA|USDA|VA) » 11 $3,625,000 $329,545 $5,393 2.83%
    VALLEJO, CA (FHA|USDA|VA) » 9 $3,615,000 $401,667 $3,092 2.60%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 5 $3,475,000 $695,000 $1,056 2.35%
    FLAGSTAFF, AZ (FHA|USDA|VA) » 6 $3,420,000 $570,000 $3,353 3.30%
    FORT COLLINS, CO (FHA|USDA|VA) » 7 $3,205,000 $457,857 $4,527 2.64%
    WORCESTER, MA-CT (FHA|USDA|VA) » 11 $3,195,000 $290,455 $3,634 2.77%
    RENO, NV (FHA|USDA|VA) » 9 $3,185,000 $353,889 $3,368 3.32%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 8 $3,170,000 $396,250 $4,337 2.63%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 6 $3,110,000 $518,333 $7,094 2.63%
    URBAN HONOLULU, HI (FHA|USDA|VA) » 5 $3,085,000 $617,000 $3,257 2.25%
    COLUMBUS, OH (FHA|USDA|VA) » 9 $3,085,000 $342,778 $6,609 2.64%
    Astoria, OR (FHA|USDA|VA) » 7 $3,015,000 $430,714 $6,958 2.57%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » 8 $2,890,000 $361,250 $2,798 2.58%
    GREELEY, CO (FHA|USDA|VA) » 7 $2,855,000 $407,857 $3,356 2.82%
    MONTGOMERY, AL (FHA|USDA|VA) » 9 $2,845,000 $316,111 $5,097 2.49%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » 5 $2,845,000 $569,000 $3,923 2.65%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 9 $2,825,000 $313,889 $2,090 2.72%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) » 5 $2,795,000 $559,000 $4,051 2.28%
    RICHMOND, VA (FHA|USDA|VA) » 6 $2,630,000 $438,333 $2,216 2.67%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » 6 $2,540,000 $423,333 $2,210 2.54%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 7 $2,535,000 $362,143 $2,802 2.95%
    TULSA, OK (FHA|USDA|VA) » 10 $2,530,000 $253,000 $3,430 2.65%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 7 $2,515,000 $359,286 $4,373 2.66%
    DOVER, DE (FHA|USDA|VA) » 9 $2,505,000 $278,333 $2,261 2.38%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 7 $2,395,000 $342,143 $1,449 2.52%
    Clovis, NM (FHA|USDA|VA) » 11 $2,375,000 $215,909 $4,954 2.52%
    Bozeman, MT (FHA|USDA|VA) » 4 $2,340,000 $585,000 $4,911 2.41%
    ASHEVILLE, NC (FHA|USDA|VA) » 4 $2,320,000 $580,000 $6,607 2.53%
    JOPLIN, MO (FHA|USDA|VA) » 1 $2,305,000 $2,305,000 $0 3.99%
    BOISE CITY, ID (FHA|USDA|VA) » 4 $2,290,000 $572,500 $3,091 2.50%
    WILMINGTON, NC (FHA|USDA|VA) » 2 $2,290,000 $1,145,000 $29,884 2.31%
    PROVO-OREM, UT (FHA|USDA|VA) » 7 $2,285,000 $326,429 $1,579 2.59%
    Georgetown, SC (FHA|USDA|VA) » 4 $2,280,000 $570,000 $3,978 2.47%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) » 20 $2,250,000 $112,500 $2,420 4.46%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » 5 $2,235,000 $447,000 $5,497 2.73%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) » 5 $2,225,000 $445,000 $2,209 2.28%
    Lebanon, NH-VT (FHA|USDA|VA) » 5 $2,185,000 $437,000 $3,055 2.90%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) » 11 $2,185,000 $198,636 $918 3.97%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 9 $2,145,000 $238,333 $3,097 2.68%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) » 5 $2,125,000 $425,000 $2,739 2.50%
    LAWRENCE, KS (FHA|USDA|VA) » 9 $2,045,000 $227,222 $3,125 3.33%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » 6 $2,000,000 $333,333 $1,177 2.35%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 6 $1,990,000 $331,667 $1,988 2.96%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) » 7 $1,985,000 $283,571 $3,281 2.55%
    COLUMBIA, SC (FHA|USDA|VA) » 6 $1,970,000 $328,333 $6,254 2.63%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 8 $1,920,000 $240,000 $4,015 2.48%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 7 $1,815,000 $259,286 $2,687 2.86%
    GRAND JUNCTION, CO (FHA|USDA|VA) » 6 $1,720,000 $286,667 $2,089 3.00%
    SALINAS, CA (FHA|USDA|VA) » 3 $1,705,000 $568,333 $1,133 2.71%
    SHERMAN-DENISON, TX (FHA|USDA|VA) » 5 $1,665,000 $333,000 $4,153 2.45%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) » 3 $1,605,000 $535,000 $5,442 2.75%
    CANTON-MASSILLON, OH (FHA|USDA|VA) » 1 $1,555,000 $1,555,000 $0 4.49%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » 5 $1,545,000 $309,000 $3,533 2.80%
    MADISON, WI (FHA|USDA|VA) » 4 $1,510,000 $377,500 $4,104 2.91%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) » 4 $1,490,000 $372,500 $4,905 2.75%
    Ukiah, CA (FHA|USDA|VA) » 3 $1,485,000 $495,000 $8,360 2.29%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 4 $1,470,000 $367,500 $4,763 2.50%
    OCEAN CITY, NJ (FHA|USDA|VA) » 1 $1,405,000 $1,405,000 $76,043 2.38%
    EVANSVILLE, IN-KY (FHA|USDA|VA) » 2 $1,380,000 $690,000 $0 4.64%
    PUNTA GORDA, FL (FHA|USDA|VA) » 3 $1,375,000 $458,333 $10,597 2.63%
    SANTA FE, NM (FHA|USDA|VA) » 3 $1,375,000 $458,333 $11,110 2.88%
    SPRINGFIELD, MO (FHA|USDA|VA) » 4 $1,370,000 $342,500 $6,370 3.09%
    STOCKTON, CA (FHA|USDA|VA) » 4 $1,370,000 $342,500 $2,588 2.50%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) » 4 $1,350,000 $337,500 $5,367 2.41%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » 4 $1,340,000 $335,000 $5,643 2.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) » 6 $1,320,000 $220,000 $6,745 3.31%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 3 $1,315,000 $438,333 $1,051 2.50%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) » 4 $1,310,000 $327,500 $2,505 2.44%
    KNOXVILLE, TN (FHA|USDA|VA) » 3 $1,295,000 $431,667 $2,754 2.58%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 4 $1,290,000 $322,500 $2,494 2.41%
    VALDOSTA, GA (FHA|USDA|VA) » 5 $1,275,000 $255,000 $4,740 2.60%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) » 4 $1,270,000 $317,500 $4,977 2.75%
    WARNER ROBINS, GA (FHA|USDA|VA) » 6 $1,260,000 $210,000 $3,753 2.29%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 3 $1,245,000 $415,000 $3,115 2.63%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) » 4 $1,230,000 $307,500 $4,097 2.97%
    PANAMA CITY, FL (FHA|USDA|VA) » 4 $1,230,000 $307,500 $12,715 3.16%
    MIDLAND, TX (FHA|USDA|VA) » 3 $1,225,000 $408,333 $3,495 2.54%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) » 3 $1,215,000 $405,000 $10,829 2.42%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) » 2 $1,180,000 $590,000 $3,247 2.81%
    Port Angeles, WA (FHA|USDA|VA) » 3 $1,145,000 $381,667 $6,699 2.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » 3 $1,135,000 $378,333 $6,611 2.63%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) » 4 $1,110,000 $277,500 $3,919 2.38%
    JACKSON, MS (FHA|USDA|VA) » 3 $1,105,000 $368,333 $5,615 3.27%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » 2 $1,100,000 $550,000 $15,789 2.38%
    WINCHESTER, VA-WV (FHA|USDA|VA) » 3 $1,095,000 $365,000 $8,885 2.75%
    LAS CRUCES, NM (FHA|USDA|VA) » 4 $1,080,000 $270,000 $4,060 2.31%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 3 $1,075,000 $358,333 $2,506 2.33%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 3 $1,045,000 $348,333 $7,435 2.71%
    SAVANNAH, GA (FHA|USDA|VA) » 3 $1,035,000 $345,000 $2,224 3.29%
    CLEVELAND, TN (FHA|USDA|VA) » 2 $1,030,000 $515,000 $2,620 2.25%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) » 4 $1,010,000 $252,500 $3,016 2.56%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) » 2 $1,000,000 $500,000 $6,386 2.88%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 2 $1,000,000 $500,000 $3,113 2.69%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » 2 $990,000 $495,000 $6,007 2.31%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) » 4 $990,000 $247,500 $1,820 3.27%
    Altus, OK (FHA|USDA|VA) » 4 $940,000 $235,000 $4,856 2.34%
    BELLINGHAM, WA (FHA|USDA|VA) » 2 $930,000 $465,000 $2,689 3.00%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » 3 $915,000 $305,000 $17,071 3.54%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) » 3 $905,000 $301,667 $996 2.25%
    BEND, OR (FHA|USDA|VA) » 2 $900,000 $450,000 $2,602 2.50%
    MISSOULA, MT (FHA|USDA|VA) » 1 $885,000 $885,000 $4,297 2.75%
    BATON ROUGE, LA (FHA|USDA|VA) » 3 $865,000 $288,333 $1,604 2.79%
    BILLINGS, MT (FHA|USDA|VA) » 1 $855,000 $855,000 $37,064 3.25%
    SALEM, OR (FHA|USDA|VA) » 3 $855,000 $285,000 $6,269 2.25%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) » 4 $850,000 $212,500 $1,835 2.75%
    DULUTH, MN-WI (FHA|USDA|VA) » 3 $845,000 $281,667 $5,640 2.58%
    JACKSONVILLE, NC (FHA|USDA|VA) » 3 $845,000 $281,667 $2,257 2.83%
    Mount Pleasant, MI (FHA|USDA|VA) » 2 $830,000 $415,000 $2,185 4.06%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) » 2 $820,000 $410,000 $5,890 2.25%
    WACO, TX (FHA|USDA|VA) » 1 $815,000 $815,000 $4,234 2.25%
    Morehead City, NC (FHA|USDA|VA) » 2 $810,000 $405,000 $9,069 2.31%
    FARGO, ND-MN (FHA|USDA|VA) » 2 $800,000 $400,000 $2,053 2.69%
    READING, PA (FHA|USDA|VA) » 2 $780,000 $390,000 $9,589 3.19%
    Carlsbad-Artesia, NM (FHA|USDA|VA) » 2 $780,000 $390,000 $3,556 2.69%
    Oak Harbor, WA (FHA|USDA|VA) » 2 $770,000 $385,000 $25,987 3.44%
    MANKATO, MN (FHA|USDA|VA) » 3 $765,000 $255,000 $2,967 2.75%
    SPARTANBURG, SC (FHA|USDA|VA) » 2 $760,000 $380,000 $2,972 2.25%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) » 2 $750,000 $375,000 $0 2.81%
    Gardnerville Ranchos, NV (FHA|USDA|VA) » 1 $745,000 $745,000 $3,326 2.75%
    Montrose, CO (FHA|USDA|VA) » 2 $740,000 $370,000 $1,886 2.63%
    Alexandria, MN (FHA|USDA|VA) » 3 $735,000 $245,000 $1,875 2.29%
    Fallon, NV (FHA|USDA|VA) » 2 $730,000 $365,000 $1,925 2.88%
    Kapaa, HI (FHA|USDA|VA) » 1 $715,000 $715,000 $803 2.13%
    SUMTER, SC (FHA|USDA|VA) » 3 $705,000 $235,000 $4,092 2.42%
    Plymouth, IN (FHA|USDA|VA) » 1 $705,000 $705,000 $1,791 2.50%
    Grand Rapids, MN (FHA|USDA|VA) » 3 $705,000 $235,000 $1,773 2.75%
    Warrensburg, MO (FHA|USDA|VA) » 3 $685,000 $228,333 $3,275 2.58%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » 2 $670,000 $335,000 $2,241 3.75%
    Granbury, TX (FHA|USDA|VA) » 1 $655,000 $655,000 $14,391 2.63%
    SPRINGFIELD, MA (FHA|USDA|VA) » 2 $650,000 $325,000 $9,176 2.81%
    Columbus, MS (FHA|USDA|VA) » 2 $650,000 $325,000 $2,332 2.75%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) » 3 $625,000 $208,333 $43 2.75%
    Del Rio, TX (FHA|USDA|VA) » 3 $605,000 $201,667 $1,040 2.25%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) » 1 $605,000 $605,000 $2,336 2.75%
    Enterprise, AL (FHA|USDA|VA) » 2 $600,000 $300,000 $10,118 2.38%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » 2 $600,000 $300,000 $2,598 2.81%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 2 $600,000 $300,000 $3,053 3.00%
    Outside of Metro Areas 2 $600,000 $300,000 $2,725 2.25%
    SIOUX FALLS, SD (FHA|USDA|VA) » 2 $590,000 $295,000 $2,838 2.38%
    PITTSBURGH, PA (FHA|USDA|VA) » 2 $590,000 $295,000 $7,434 2.69%
    SPRINGFIELD, IL (FHA|USDA|VA) » 1 $585,000 $585,000 $15,958 2.38%
    BLOOMINGTON, IL (FHA|USDA|VA) » 1 $565,000 $565,000 $1,109 2.75%
    GETTYSBURG, PA (FHA|USDA|VA) » 1 $565,000 $565,000 $24,128 2.38%
    LINCOLN, NE (FHA|USDA|VA) » 2 $550,000 $275,000 $2,879 2.81%
    Kalispell, MT (FHA|USDA|VA) » 1 $545,000 $545,000 $4,808 3.38%
    Marquette, MI (FHA|USDA|VA) » 1 $545,000 $545,000 $2,383 2.25%
    FRESNO, CA (FHA|USDA|VA) » 1 $545,000 $545,000 $3,807 2.63%
    GRAND FORKS, ND-MN (FHA|USDA|VA) » 1 $545,000 $545,000 $1,949 2.38%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) » 1 $545,000 $545,000 $0 2.25%
    Gainesville, TX (FHA|USDA|VA) » 1 $545,000 $545,000 $4,822 2.25%
    North Wilkesboro, NC (FHA|USDA|VA) » 2 $540,000 $270,000 $3,001 2.88%
    BISMARCK, ND (FHA|USDA|VA) » 1 $535,000 $535,000 $1,717 2.25%
    Maryville, MO (FHA|USDA|VA) » 2 $530,000 $265,000 $0 4.64%
    MEDFORD, OR (FHA|USDA|VA) » 1 $525,000 $525,000 $2,964 3.00%
    Waycross, GA (FHA|USDA|VA) » 1 $525,000 $525,000 $11,730 2.25%
    BRUNSWICK, GA (FHA|USDA|VA) » 1 $515,000 $515,000 $2,764 2.63%
    ROCHESTER, MN (FHA|USDA|VA) » 1 $515,000 $515,000 $3,232 3.00%
    Salina, KS (FHA|USDA|VA) » 3 $515,000 $171,667 $1,877 3.54%
    Stillwater, OK (FHA|USDA|VA) » 1 $515,000 $515,000 $14,498 2.25%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) » 2 $510,000 $255,000 $2,857 2.56%
    Columbus, NE (FHA|USDA|VA) » 2 $510,000 $255,000 $1,221 2.31%
    BLOOMINGTON, IN (FHA|USDA|VA) » 2 $490,000 $245,000 $1,655 3.31%
    NEW BERN, NC (FHA|USDA|VA) » 2 $490,000 $245,000 $8,755 2.81%
    THE VILLAGES, FL (FHA|USDA|VA) » 2 $480,000 $240,000 $2,287 2.63%
    OCALA, FL (FHA|USDA|VA) » 2 $480,000 $240,000 $7,949 2.69%
    BURLINGTON, NC (FHA|USDA|VA) » 1 $475,000 $475,000 $2,346 2.25%
    GREAT FALLS, MT (FHA|USDA|VA) » 1 $475,000 $475,000 $10,162 2.25%
    LANCASTER, PA (FHA|USDA|VA) » 2 $460,000 $230,000 $2,471 2.94%
    Faribault-Northfield, MN (FHA|USDA|VA) » 2 $460,000 $230,000 $1,672 3.00%
    Breckenridge, CO (FHA|USDA|VA) » 1 $455,000 $455,000 $2,978 2.88%
    GREEN BAY, WI (FHA|USDA|VA) » 1 $455,000 $455,000 $2,246 2.25%
    Athens, TX (FHA|USDA|VA) » 1 $455,000 $455,000 $2,435 2.25%
    Cookeville, TN (FHA|USDA|VA) » 1 $445,000 $445,000 $17,892 2.25%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) » 2 $440,000 $220,000 $7,236 2.75%
    Ketchikan, AK (FHA|USDA|VA) » 1 $435,000 $435,000 $12,965 2.25%
    FORT WAYNE, IN (FHA|USDA|VA) » 2 $430,000 $215,000 $112 2.94%
    Taos, NM (FHA|USDA|VA) » 1 $425,000 $425,000 $2,685 2.75%
    Rochelle, IL (FHA|USDA|VA) » 1 $425,000 $425,000 $1,784 2.38%
    ROCKFORD, IL (FHA|USDA|VA) » 1 $415,000 $415,000 $0 2.25%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) » 2 $410,000 $205,000 $7,831 2.50%
    Danville, KY (FHA|USDA|VA) » 2 $410,000 $205,000 $2,468 2.88%
    AMARILLO, TX (FHA|USDA|VA) » 1 $405,000 $405,000 $178 2.25%
    Maysville, KY (FHA|USDA|VA) » 1 $405,000 $405,000 $2,077 2.25%
    Seymour, IN (FHA|USDA|VA) » 1 $405,000 $405,000 $15,943 2.88%
    PUEBLO, CO (FHA|USDA|VA) » 1 $405,000 $405,000 $17,197 2.25%
    Shelton, WA (FHA|USDA|VA) » 1 $405,000 $405,000 $12,048 2.25%
    ST. GEORGE, UT (FHA|USDA|VA) » 1 $395,000 $395,000 $1,930 2.25%
    YUBA CITY, CA (FHA|USDA|VA) » 1 $395,000 $395,000 $11,889 2.38%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) » 1 $395,000 $395,000 $10,484 2.25%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » 2 $390,000 $195,000 $2,920 2.88%
    Sandusky, OH (FHA|USDA|VA) » 1 $385,000 $385,000 $0 2.25%
    SALISBURY, MD-DE (FHA|USDA|VA) » 1 $385,000 $385,000 $4,135 3.00%
    Oxford, MS (FHA|USDA|VA) » 1 $385,000 $385,000 $5,016 2.38%
    ROANOKE, VA (FHA|USDA|VA) » 1 $385,000 $385,000 $53 2.25%
    WICHITA FALLS, TX (FHA|USDA|VA) » 2 $380,000 $190,000 $2,533 3.00%
    JOHNSON CITY, TN (FHA|USDA|VA) » 2 $380,000 $190,000 $1,891 2.94%
    YORK-HANOVER, PA (FHA|USDA|VA) » 2 $380,000 $190,000 $6,670 2.56%
    ST. CLOUD, MN (FHA|USDA|VA) » 2 $380,000 $190,000 $1,879 3.44%
    Key West, FL (FHA|USDA|VA) » 1 $375,000 $375,000 $1,834 3.00%
    SHEBOYGAN, WI (FHA|USDA|VA) » 1 $375,000 $375,000 $2,133 2.38%
    Albertville, AL (FHA|USDA|VA) » 1 $375,000 $375,000 $15,705 2.25%
    Lake City, FL (FHA|USDA|VA) » 1 $365,000 $365,000 $1,922 2.75%
    TYLER, TX (FHA|USDA|VA) » 1 $365,000 $365,000 $3,784 2.38%
    GAINESVILLE, GA (FHA|USDA|VA) » 1 $365,000 $365,000 $16,135 2.25%
    Iron Mountain, MI-WI (FHA|USDA|VA) » 1 $365,000 $365,000 $1,866 2.38%
    NILES, MI (FHA|USDA|VA) » 1 $365,000 $365,000 $3,318 2.75%
    PEORIA, IL (FHA|USDA|VA) » 1 $365,000 $365,000 $14,282 2.38%
    COLUMBUS, GA-AL (FHA|USDA|VA) » 1 $355,000 $355,000 $2,037 2.25%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) » 1 $355,000 $355,000 $2,778 2.75%
    MORGANTOWN, WV (FHA|USDA|VA) » 1 $355,000 $355,000 $10,324 2.25%
    Mountain Home, ID (FHA|USDA|VA) » 1 $355,000 $355,000 $11,281 2.25%
    AMES, IA (FHA|USDA|VA) » 1 $355,000 $355,000 $6,621 2.38%
    JONESBORO, AR (FHA|USDA|VA) » 1 $345,000 $345,000 $53 2.25%
    Lewisburg, PA (FHA|USDA|VA) » 1 $345,000 $345,000 $3,824 2.88%
    Laurinburg, NC (FHA|USDA|VA) » 1 $345,000 $345,000 $5,495 2.25%
    Laramie, WY (FHA|USDA|VA) » 1 $345,000 $345,000 $53 2.25%
    Lumberton, NC (FHA|USDA|VA) » 1 $345,000 $345,000 $1,757 2.25%
    Frankfort, KY (FHA|USDA|VA) » 2 $340,000 $170,000 $2,004 3.38%
    Riverton, WY (FHA|USDA|VA) » 1 $335,000 $335,000 $2,218 2.25%
    Salem, OH (FHA|USDA|VA) » 1 $335,000 $335,000 $14,458 2.88%
    ABILENE, TX (FHA|USDA|VA) » 1 $335,000 $335,000 $3,278 2.88%
    Cullman, AL (FHA|USDA|VA) » 1 $335,000 $335,000 $6,574 2.25%
    HINESVILLE, GA (FHA|USDA|VA) » 2 $330,000 $165,000 $7,048 2.81%
    Hutchinson, MN (FHA|USDA|VA) » 1 $325,000 $325,000 $2,407 3.00%
    FLORENCE, SC (FHA|USDA|VA) » 1 $325,000 $325,000 $8,362 2.50%
    Ottawa, IL (FHA|USDA|VA) » 1 $325,000 $325,000 $3,049 2.75%
    Edwards, CO (FHA|USDA|VA) » 1 $315,000 $315,000 $1,698 2.75%
    CaƱon City, CO (FHA|USDA|VA) » 1 $315,000 $315,000 $2,708 2.25%
    Hutchinson, KS (FHA|USDA|VA) » 4 $310,000 $77,500 $0 4.29%
    IDAHO FALLS, ID (FHA|USDA|VA) » 1 $305,000 $305,000 $3,345 2.25%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) » 1 $305,000 $305,000 $1,756 2.25%
    Newport, OR (FHA|USDA|VA) » 1 $305,000 $305,000 $9,638 2.75%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) » 1 $305,000 $305,000 $10,049 2.88%
    JACKSON, TN (FHA|USDA|VA) » 1 $305,000 $305,000 $12,731 2.25%
    Winfield, KS (FHA|USDA|VA) » 2 $300,000 $150,000 $1,856 3.19%
    Helena, MT (FHA|USDA|VA) » 1 $295,000 $295,000 $12,053 2.88%
    MODESTO, CA (FHA|USDA|VA) » 1 $295,000 $295,000 $3,108 2.63%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » 1 $295,000 $295,000 $3,601 2.75%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) » 1 $295,000 $295,000 $511 2.25%
    YUMA, AZ (FHA|USDA|VA) » 1 $285,000 $285,000 $12,368 2.25%
    Durant, OK (FHA|USDA|VA) » 1 $285,000 $285,000 $2,991 2.38%
    Steamboat Springs, CO (FHA|USDA|VA) » 1 $285,000 $285,000 $0 3.25%
    EAU CLAIRE, WI (FHA|USDA|VA) » 2 $280,000 $140,000 $1,664 2.25%
    GAINESVILLE, FL (FHA|USDA|VA) » 1 $275,000 $275,000 $9,579 2.38%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) » 1 $275,000 $275,000 $1,803 2.25%
    NAPA, CA (FHA|USDA|VA) » 1 $275,000 $275,000 $1,741 3.00%
    GRAND ISLAND, NE (FHA|USDA|VA) » 1 $275,000 $275,000 $5,216 2.50%
    McPherson, KS (FHA|USDA|VA) » 2 $270,000 $135,000 $4,821 3.75%
    Sanford, NC (FHA|USDA|VA) » 1 $265,000 $265,000 $2,301 2.63%
    Cedar City, UT (FHA|USDA|VA) » 1 $265,000 $265,000 $3,390 2.75%
    Manitowoc, WI (FHA|USDA|VA) » 1 $265,000 $265,000 $1,351 3.00%
    North Platte, NE (FHA|USDA|VA) » 1 $255,000 $255,000 $3,162 2.75%
    LONGVIEW, TX (FHA|USDA|VA) » 1 $255,000 $255,000 $3,188 2.63%
    LOGAN, UT-ID (FHA|USDA|VA) » 1 $255,000 $255,000 $1,920 2.88%
    Laurel, MS (FHA|USDA|VA) » 1 $245,000 $245,000 $1,195 3.25%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) » 1 $245,000 $245,000 $1,659 2.25%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 1 $225,000 $225,000 $3,009 2.25%
    Corsicana, TX (FHA|USDA|VA) » 1 $225,000 $225,000 $4,382 3.00%
    Mount Pleasant, TX (FHA|USDA|VA) » 1 $225,000 $225,000 $3,647 2.25%
    GOLDSBORO, NC (FHA|USDA|VA) » 1 $215,000 $215,000 $953 2.88%
    Traverse City, MI (FHA|USDA|VA) » 1 $215,000 $215,000 $1,623 2.75%
    Emporia, KS (FHA|USDA|VA) » 1 $215,000 $215,000 $2,641 4.75%
    Albert Lea, MN (FHA|USDA|VA) » 1 $205,000 $205,000 $1,089 2.25%
    Dublin, GA (FHA|USDA|VA) » 1 $195,000 $195,000 $2,225 2.25%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 1 $185,000 $185,000 $3,745 2.25%
    Crossville, TN (FHA|USDA|VA) » 1 $185,000 $185,000 $890 2.25%
    Sevierville, TN (FHA|USDA|VA) » 1 $175,000 $175,000 $733 2.25%
    Concord, NH (FHA|USDA|VA) » 1 $165,000 $165,000 $2,709 2.50%
    Williston, ND (FHA|USDA|VA) » 1 $165,000 $165,000 $2,737 2.75%
    CASPER, WY (FHA|USDA|VA) » 1 $155,000 $155,000 $0 4.39%
    Gillette, WY (FHA|USDA|VA) » 1 $155,000 $155,000 $1,703 2.75%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) » 1 $145,000 $145,000 $3,925 2.88%
    Parsons, KS (FHA|USDA|VA) » 1 $145,000 $145,000 $2,407 6.88%
    Rutland, VT (FHA|USDA|VA) » 1 $145,000 $145,000 $1,820 2.38%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » 1 $145,000 $145,000 $1,876 2.88%
    LUBBOCK, TX (FHA|USDA|VA) » 1 $135,000 $135,000 $2,753 2.88%
    Warren, PA (FHA|USDA|VA) » 1 $135,000 $135,000 $3,325 2.75%
    Tullahoma-Manchester, TN (FHA|USDA|VA) » 1 $125,000 $125,000 $1,638 2.25%
    LAWTON, OK (FHA|USDA|VA) » 1 $125,000 $125,000 $0 2.38%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) » 1 $125,000 $125,000 $1,818 2.88%
    ERIE, PA (FHA|USDA|VA) » 1 $115,000 $115,000 $1,505 2.88%
    BOWLING GREEN, KY (FHA|USDA|VA) » 1 $105,000 $105,000 $0 4.75%
    MUNCIE, IN (FHA|USDA|VA) » 1 $95,000 $95,000 $3,192 3.63%
    Farmington, MO (FHA|USDA|VA) » 1 $75,000 $75,000 $0 3.99%
    Centralia, IL (FHA|USDA|VA) » 1 $75,000 $75,000 $536 2.38%
    TALLAHASSEE, FL (FHA|USDA|VA) » 1 $75,000 $75,000 $2,475 3.13%
    AKRON, OH (FHA|USDA|VA) » 1 $75,000 $75,000 $1,198 2.50%
    London, KY (FHA|USDA|VA) » 1 $65,000 $65,000 $1,687 3.63%
    Murray, KY (FHA|USDA|VA) » 1 $25,000 $25,000 $0 4.75%

    Ks Statebank's top markets include Phoenix, Minneapolis, Wichita, Manhattan, and Washington among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 2,340 $848,630,000 $362,662 $2,564 3.28%
    VA » 1,356 $576,280,000 $424,985 $5,768 2.39%
    FHA » 43 $10,395,000 $241,744 $7,033 2.69%
    USDA » 11 $1,405,000 $127,727 $3,587 2.99%

    For the 2021 period, Ks Statebank's most frequently originated loan type of loans were Conventional, with 2,340 originations. Their 2nd most popular type is VA, with 1,356 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Refi » 1,565 $599,205,000 $382,879 $1,946 2.82%
    Home Purchase » 1,461 $586,275,000 $401,283 $6,474 3.07%
    Cash Out Refi » 675 $239,855,000 $355,341 $4,063 2.86%
    Home Improvement » 46 $11,000,000 $239,130 $0 4.54%
    Other » 3 $375,000 $125,000 $0 4.75%

    For the 2021, Ks Statebank's most frequently cited loan purpose of loans were Refi, with 1,565 originations. The 2nd most popular reason of loans were Home Purchase, with 1,461 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 2,710 $1,021,090,000 $376,786 $4,408 2.72%
    Other » 490 $276,200,000 $563,673 $1,676 4.21%
    15 Year » 401 $100,775,000 $251,309 $2,166 2.48%
    20 Year » 53 $15,045,000 $283,868 $2,023 3.25%
    1 Year » 43 $15,455,000 $359,419 $0 4.89%
    10 Year » 29 $3,595,000 $123,966 $1,512 4.43%
    5 Year » 24 $4,550,000 $189,583 $311 4.75%

    For the 2021, Ks Statebank's most frequently cited loan length of loans were 30 Year, with 2,710 originations. The 2nd most popular length of loans were Other, with 490 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $<1k » 2,526 $910,230,000 $360,344
    $1k-2k » 228 $73,560,000 $322,632
    $2k-3k » 64 $28,560,000 $446,250
    $5k+ » 34 $26,780,000 $787,647
    $3k-4k » 23 $12,105,000 $526,304
    $4k-5k » 22 $12,640,000 $574,545

    $4,408 of loans were Ks Statebank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 2,526 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% » 1,511 $577,955,000 $382,498
    2.5-3% » 1,126 $394,310,000 $350,187
    3-4% » 581 $247,295,000 $425,637
    4-5% » 492 $202,050,000 $410,671
    5-6% » 31 $14,465,000 $466,613
    6-7% » 6 $400,000 $66,667
    7-8% » 1 $75,000 $75,000

    During 2021, Ks Statebank's average interest rate of loans were 2.72%, while their most frequently originated rate bucket of loans were <2.5%, with 1,511 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 1,644 $492,480,000 $299,562 $3,505 2.82%
    $400k-600k » 911 $438,075,000 $480,873 $4,505 2.66%
    $100k-200k » 646 $97,930,000 $151,594 $2,211 3.12%
    $100,000 or less » 225 $15,185,000 $67,489 $2,122 4.19%
    $600k-1MM » 219 $163,445,000 $746,324 $8,970 3.00%
    $1MM+ » 105 $229,595,000 $2,186,619 $17,279 3.68%

    2021 saw Ks Statebank place emphasis on $200k-400k loans with 1,644 originations, totaling $492,480,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k » 765 $262,615,000 $343,288 $4,520 2.84%
    $150k-250k » 612 $251,380,000 $410,752 $5,072 2.87%
    $75k-100k » 483 $144,545,000 $299,265 $4,680 2.79%
    $50k-75k » 450 $106,030,000 $235,622 $3,774 2.86%
    $250k+ » 249 $136,895,000 $549,779 $6,768 3.07%
    $50k or less » 142 $24,570,000 $173,028 $2,959 3.02%

    Ks Statebank lent most frequently to those with incomes in the $100k-150k range, with 765 originations. The second most popular income band? $150k-250k, with 612 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% » 614 $198,590,000 $323,436 $3,846 2.77%
    30-36% » 468 $157,040,000 $335,556 $4,298 2.82%
    <20% » 223 $68,875,000 $308,857 $3,019 2.81%
    50-60% » 169 $73,955,000 $437,604 $8,403 2.53%
    41% » 97 $36,885,000 $380,258 $5,450 2.88%
    44% » 97 $33,285,000 $343,144 $4,544 2.92%
    42% » 94 $32,480,000 $345,532 $4,363 2.92%
    37% » 91 $32,455,000 $356,648 $4,054 2.85%
    38% » 91 $31,335,000 $344,341 $4,469 2.74%
    40% » 88 $28,880,000 $328,182 $3,956 2.87%
    43% » 83 $28,395,000 $342,108 $4,432 2.91%
    39% » 78 $27,460,000 $352,051 $4,227 2.83%
    47% » 72 $25,000,000 $347,222 $5,956 2.86%
    36% » 70 $25,730,000 $367,571 $4,331 2.81%
    46% » 69 $22,285,000 $322,971 $4,820 2.89%
    45% » 69 $22,005,000 $318,913 $5,655 2.86%
    49% » 68 $25,880,000 $380,588 $4,431 2.76%
    48% » 59 $23,295,000 $394,831 $6,844 2.93%
    >60% » 8 $5,400,000 $675,000 $19,498 2.45%

    Ks Statebank lent most frequently to those with DTI ratios of 20-30%, with 614 originations. The next most common DTI ratio? 30-36%, with 468 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 2,445 $849,135,000 $347,294 $3,967 2.79%
    Not applicable » 419 $264,705,000 $631,754 $0 4.33%
    Not provided » 602 $219,260,000 $364,219 $4,337 2.69%
    Asian » 133 $46,725,000 $351,316 $4,210 2.87%
    Black » 109 $38,935,000 $357,202 $4,423 2.75%
    American Indian » 21 $7,575,000 $360,714 $4,362 2.54%
    Native Hawaiian or Islander » 9 $6,685,000 $742,778 $7,141 2.64%
    Filipino » 5 $1,285,000 $257,000 $3,074 2.70%
    Korean » 2 $570,000 $285,000 $3,442 2.38%
    Native Hawaiian » 1 $545,000 $545,000 $3,025 2.38%
    Guamanian » 1 $545,000 $545,000 $5,048 2.75%
    Other Asian » 2 $440,000 $220,000 $2,451 3.42%
    Chinese » 1 $305,000 $305,000 $3,642 2.38%

    Approval Rates

    Total approvals of all applications
    95.50%

    Ks Statebank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    77.04%

    Ks Statebank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,750 $1,436,710,000 $383,123

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 3,750 $1,436,710,000 $383,123

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 171 $48,235,000 $282,076 $2,158 3.13%
    40-60% » 549 $201,395,000 $366,840 $2,243 2.90%
    60-80% » 1,497 $606,575,000 $405,194 $2,674 3.09%
    80-100% » 1,313 $493,775,000 $376,066 $4,575 2.77%
    Over 100% » 158 $73,440,000 $464,810 $16,723 2.53%
    Under 20% » 56 $11,900,000 $212,500 $1,628 4.25%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Ks Statebank 1010 Westloop Pl Manhattan, KS 66502 Full Service B&M $1,239,431
    Ks Statebank 11th And Bluemont Manhattan, KS 66502 Limited, Drive-thru $14,716
    Ks Statebank 1424 South Maize Road Wichita, KS 67209 Full Service B&M $154,290
    Ks Statebank 5110 North Central Avenue Phoenix, AZ 85012 Full Service B&M $514,547
    Ks Statebank 539 West Sixth Street Junction City, KS 66441 Full Service B&M $48,071
    Ks Statebank 555 Poyntz Avenue Manhattan, KS 66502 Limited, Drive-thru $30,295
    Ks Statebank 8803 East Highway 24 Manhattan, KS 66502 Limited, Drive-thru $25,498

    For 2021, Ks Statebank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $90,828
    Net interest income $72,769
    Total noninterest income $9,550
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $940
    Trading account gains and fees $0
    Additional Noninterest Income $8,610
    Pre-tax net operating income $53,747
    Securities gains (or losses, -) $0
    Income before extraordinary items $52,227
    Discontinued Operations (Extraordinary gains, net) $2,816
    Net income of bank and minority interests $55,043
    Minority interest net income $0
    Net income $55,043
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $52,227

    Ks Statebank's gross interest income from loans was $90,828,000.
    Ks Statebank's net interest income from loans was $72,769,000.
    Ks Statebank's fee based income from loans was $940,000.
    Ks Statebank's net income from loans was $55,043,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $18,059
    Provision for credit losses $1,400
    Total noninterest expense $27,172
    Salaries and employee benefits $15,384
    Premises and equipment expense $3,019
    Additional noninterest expense $8,769
    Applicable income taxes $1,520
    Net charge-offs $-1,430
    Cash dividends $24,921

    Ks Statebank's interest expense for loans was $18,059,000.
    Ks Statebank's payroll and benefits expense were $15,384,000.
    Ks Statebank's property, plant and equipment expenses $3,019,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.4%
    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 $2,006,574
    Deposits held in domestic offices $2,006,574
    Deposits by Individuals, partnerships, and corporations $1,449,924
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $218,971
    Deposits by Commercial banks and other depository institutions in U.S. $337,679
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $196,473
    Demand deposits $174,920
    Nontransaction accounts $1,810,101
    Money market deposit accounts (MMDAs) $477,742
    Other savings deposits (excluding MMDAs) $636,106
    Total time deposits $696,253
    Total time and savings deposits $1,831,654
    Noninterest-bearing deposits $142,119
    Interest-bearing deposits $1,864,455
    Retail deposits $1,822,793
    IRAs and Keogh plan accounts $18,700
    Brokered deposits $137,577
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,380,483
    Cash & Balances due from depository institutions $249,362
    Interest-bearing balances $237,194
    Total securities $357,022
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,740,381
    Loan and leases loss allowance $31,812
    Trading account assets $0
    Bank premises and fixed assets $3,802
    Other real estate owned $436
    Goodwill and other intangibles $0
    All other assets $29,480

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,380,483
    Total Liabilities $2,111,187
    Total deposits $2,006,574
    Interest-bearing deposits $1,864,455
    Deposits held in domestic offices $2,006,574
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $12,011
    Trading liabilities $0
    Other borrowed funds $89,003
    Subordinated debt $0
    All other liabilities $3,599

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,740,381
    Loan and leases loss allowance $31,812
    Total loans and leases (domestic) $1,772,193
    All real estate loans $1,241,921
    Real estate loans in domestic offices $1,241,921
    Construction and development loans $65,380
    Residential 1-4 family construction $26,736
    Other construction, all land development and other land $38,644
    Loans secured by nonfarm nonresidential properties $622,864
    Nonfarm nonresidential secured by owner-occupied properties $401,300
    Commercial real estate & other non-farm, non-residential $221,564
    Multifamily residential real estate $106,883
    1-4 family residential loans $436,032
    Farmland loans $10,762
    Loans held in foreign offices $0
    Farm loans $11,658
    Commercial and industrial loans $215,359
    To non-U.S. addressees $0
    Loans to individuals $11,590
    Credit card loans $3,092
    Related Plans $430
    Consumer Auto Loans $2,088
    Other loans to individuals $5,980
    All other loans & leases $291,665
    Loans to foreign governments and official institutions $0
    Other loans $16,383
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $780
    Non 1-4 family restructured loans & leases $780
    Total loans and leases (foreign) $0

    KS StateBank had $1,740,381,000 of loans outstanding in 2021. $1,241,921,000 of loans were in real estate loans. $65,380,000 of loans were in development loans. $106,883,000 of loans were in multifamily mortgage loans. $436,032,000 of loans were in 1-4 family mortgage loans. $11,658,000 of loans were in farm loans. $3,092,000 of loans were in credit card loans. $2,088,000 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 372 $117,152 $314,925
    Nonfarm, nonresidential loans - <$100k 56 $2,587 $46,196
    Nonfarm, nonresidential loans - $100-250k 83 $11,051 $133,145
    Nonfarm, nonresidential loans - $250k-1MM 233 $103,514 $444,266
    Commercial & Industrial, US addressed loans - <$1MM 482 $41,648 $86,407
    Commercial & Industrial, US addressed loans - <$100k 296 $7,102 $23,993
    Commercial & Industrial, US addressed loans - $100-250k 77 $7,601 $98,714
    Commercial & Industrial, US addressed loans - $250k-1MM 109 $26,945 $247,202
    Farmland loans - <$1MM 23 $3,529 $153,435
    Farmland loans - <$100k 8 $239 $29,875
    Farmland loans - $100-250k 8 $1,082 $135,250
    Farmland loans - $250k-1MM 7 $2,208 $315,429
    Agriculture operations loans - <$1MM 15 $1,130 $75,333
    Agriculture operations loans - <$100k 7 $132 $18,857
    Agriculture operations loans - $100-250k 6 $552 $92,000
    Agriculture operations loans - $250k-1MM 2 $446 $223,000