Ks Statebank Mortgage Rates, Fees & Info

Manhattan, KS

LEI: 549300Z6EE8DBBFUW487

Tax ID: 48-0760380

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Mortgage Data

Review & Overview

Ks Statebank is a smaller bank specializing in Home Purchase and Refi loans. Ks Statebank has a high proportion of conventional loans. Their top markets by origination volume include: Phoenix, Wichita, Kansas City, Manhattan, and Branson among others. We have data for 31 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.

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.

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
Home Equity Line of Credit (HELOC) 8.65% 12/9/24
15 Year Conventional Purchase 5.68% 12/9/24
15 Year Conventional Refi 5.68% 12/9/24
15 Year Cash-out Refi 5.68% 12/9/24
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.

Ks Statebank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Ks Statebank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

317

Origination Dollar Volume (All Markets)

$115,725,000

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
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 80 $69,440,000 $868,000 $0 8.39%
WICHITA, KS (FHA|USDA|VA) 80 $12,000,000 $150,000 $0 8.31%
KANSAS CITY, MO-KS (FHA|USDA|VA) 46 $9,570,000 $208,043 $0 8.13%
MANHATTAN, KS (FHA|USDA|VA) 50 $5,710,000 $114,200 $0 8.84%
Branson, MO (FHA|USDA|VA) 4 $2,770,000 $692,500 $0 8.30%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $0 8.25%
Warrensburg, MO (FHA|USDA|VA) 1 $1,705,000 $1,705,000 $0 8.49%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 12 $1,490,000 $124,167 $0 8.27%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $1,490,000 $745,000 $0 8.59%
Outside of Metro Areas 7 $1,325,000 $189,286 $0 9.00%
TOPEKA, KS (FHA|USDA|VA) 4 $1,130,000 $282,500 $0 8.61%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $945,000 $315,000 $0 8.63%
TUCSON, AZ (FHA|USDA|VA) 2 $660,000 $330,000 $0 8.10%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $645,000 $645,000 $0 8.59%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $645,000 $645,000 $0 8.49%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $635,000 $635,000 $0 8.29%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $605,000 $605,000 $0 8.49%
JACKSON, MS (FHA|USDA|VA) 1 $355,000 $355,000 $0 9.80%
ENID, OK (FHA|USDA|VA) 4 $340,000 $85,000 $0 8.27%
Payson, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $0 8.85%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $285,000 $285,000 $0 8.85%
Coffeyville, KS (FHA|USDA|VA) 4 $260,000 $65,000 $0 8.37%
Nogales, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $0 8.59%
REDDING, CA (FHA|USDA|VA) 1 $235,000 $235,000 $0 9.00%
Sedalia, MO (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.93%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $190,000 $95,000 $0 8.79%
LAWRENCE, KS (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.59%
JOPLIN, MO (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.49%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.38%
Hutchinson, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.49%
RENO, NV (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.99%
Ks Statebank's top markets include Phoenix, Wichita, Kansas City, Manhattan, and Branson among others.

Their top states include:
  • Arizona (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against KS StateBank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 6
    Republic Bank
    Similarity Rank: 21
    South Metro Federal Credit Union
    Similarity Rank: 55
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 60
    ABNB Federal Credit Union
    Similarity Rank: 65
    Los Angeles Federal Credit Union
    Similarity Rank: 72
    Bank of the Flint Hills
    Similarity Rank: 90
    JOHNSON MORTGAGE COMPANY, L.L.C.
    Similarity Rank: 108
    Exchange Bank
    Similarity Rank: 110

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 215 $73,955,000 $343,977 $0 8.27%
    HELOC 102 $41,770,000 $409,510 n/a 8.71%

    For 2023, Ks Statebank's most frequently originated type of loan was Conventional, with 215 originations. Their 2nd most popular type was HELOC, with 102 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 179 $66,755,000 $372,933 $0 8.26%
    Refi 101 $40,605,000 $402,030 $0 8.48%
    Home Improvement 37 $8,365,000 $226,081 $0 8.96%

    For 2023, Ks Statebank's most frequently cited loan purpose was Home Purchase, with 179 originations. The 2nd most popular reason was Refi, with 101 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 221 $88,725,000 $401,471 $0 8.25%
    10 Year 44 $5,020,000 $114,091 $0 8.81%
    1 Year 31 $13,625,000 $439,516 $0 8.91%
    5 Year 11 $5,815,000 $528,636 $0 8.76%
    20 Year 7 $2,045,000 $292,143 $0 8.28%
    15 Year 3 $495,000 $165,000 $0 8.56%

    For 2023, Ks Statebank's most frequently cited loan duration was Other, with 221 originations. The 2nd most popular length was 10 Year, with 44 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 239 $72,685,000 $304,121
    7-8% 64 $36,620,000 $572,188
    6-7% 8 $5,040,000 $630,000
    4-5% 2 $290,000 $145,000

    During 2023, Ks Statebank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 239 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 109 $7,035,000 $64,541 $0 8.47%
    $200k-400k 73 $20,475,000 $280,479 $0 8.48%
    $100k-200k 70 $9,440,000 $134,857 $0 8.40%
    $1MM+ 26 $54,760,000 $2,106,154 $0 8.17%
    $600k-1MM 22 $15,670,000 $712,273 $0 8.29%
    $400k-600k 17 $8,345,000 $490,882 $0 8.34%

    2023 saw Ks Statebank place emphasis on $100,000 or less loans with 109 originations, totaling $7,035,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 31 $12,955,000 $417,903 $0 8.54%
    $100k-150k 25 $2,465,000 $98,600 $0 8.63%
    $150k-250k 16 $2,560,000 $160,000 $0 8.85%
    $50k or less 11 $1,125,000 $102,273 $0 8.85%
    $50k-75k 7 $425,000 $60,714 $0 8.94%
    $75k-100k 7 $785,000 $112,143 $0 8.65%

    Ks Statebank lent most frequently to those with incomes in the $250k+ range, with 31 originations. The second most popular income band? $100k-150k, with 25 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 9 $795,000 $88,333 $0 8.81%
    20-30% 9 $1,115,000 $123,889 $0 9.06%
    30-36% 6 $720,000 $120,000 $0 8.83%
    44% 3 $505,000 $168,333 $0 8.83%
    40% 2 $330,000 $165,000 $0 8.63%
    50-60% 2 $120,000 $60,000 $0 8.25%
    37% 2 $130,000 $65,000 $0 8.38%
    38% 2 $120,000 $60,000 $0 8.63%
    39% 2 $120,000 $60,000 $0 9.75%
    42% 1 $105,000 $105,000 $0 8.50%
    45% 1 $305,000 $305,000 $0 9.25%
    46% 1 $505,000 $505,000 $0 8.75%
    48% 1 $25,000 $25,000 $0 8.50%
    36% 1 $55,000 $55,000 $0 8.75%

    Ks Statebank lent most frequently to those with DTI ratios of <20%, with 9 originations. The next most common DTI ratio? 20-30%, with 9 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 216 $93,900,000 $434,722 $0 8.28%
    White 82 $14,920,000 $181,951 $0 8.74%
    Not provided 9 $4,805,000 $533,889 $0 8.68%
    Asian 4 $1,400,000 $350,000 $0 8.49%
    Black 4 $510,000 $127,500 $0 8.11%
    Filipino 1 $165,000 $165,000 $0 8.09%
    American Indian 1 $25,000 $25,000 $0 8.50%

    Approval Rates

    Total approvals of all applications
    97.29%

    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
    86.75%

    Ks Statebank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 317 $115,725,000 $365,063

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    317 $115,725,000 $365,063

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 49 $22,155,000 $452,143 $0 8.65%
    40-60% 35 $18,595,000 $531,286 $0 8.06%
    60-80% 144 $53,180,000 $369,306 $0 8.44%
    80-100% 43 $7,115,000 $165,465 $0 8.34%
    Over 100% 4 $9,140,000 $2,285,000 $0 8.27%
    Under 20% 38 $4,910,000 $129,211 $0 8.70%