Ks Statebank Mortgage Rates, Fees & Info
Manhattan, KSLEI: 549300Z6EE8DBBFUW487
Tax ID: 48-0760380
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Review & Overview
Ks Statebank is a smaller bank specializing in Home Purchase and Refi 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, Wichita, Manhattan, Kansas City, and Minneapolis among others. We have data for 247 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. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
Home Equity Line of Credit (HELOC) | 8.65% | 11/21/24 |
15 Year Conventional Purchase | 5.68% | 11/21/24 |
15 Year Conventional Refi | 5.68% | 11/21/24 |
15 Year Cash-out Refi | 5.68% | 11/21/24 |
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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,827Origination Dollar Volume (All Markets)
$670,765,000Employee count
277 Show all (17) awardsKS StateBank - 2018
KS StateBank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 245 | $146,055,000 | $596,143 | $4,657 | 4.81% |
WICHITA, KS (FHA|USDA|VA) | 191 | $67,265,000 | $352,173 | $3,866 | 5.07% |
MANHATTAN, KS (FHA|USDA|VA) | 259 | $50,145,000 | $193,610 | $3,309 | 4.86% |
KANSAS CITY, MO-KS (FHA|USDA|VA) | 125 | $31,595,000 | $252,760 | $3,811 | 4.69% |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 95 | $28,315,000 | $298,053 | $4,375 | 4.53% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 48 | $22,390,000 | $466,458 | $9,666 | 4.13% |
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 44 | $14,790,000 | $336,136 | $7,594 | 4.26% |
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 14 | $12,400,000 | $885,714 | $5,219 | 4.45% |
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 24 | $12,270,000 | $511,250 | $7,875 | 4.33% |
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 16 | $10,520,000 | $657,500 | $7,189 | 4.24% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 20 | $9,730,000 | $486,500 | $11,971 | 4.33% |
Outside of Metro Areas | 40 | $9,680,000 | $242,000 | $4,175 | 4.48% |
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 19 | $9,195,000 | $483,947 | $9,161 | 4.22% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $6,760,000 | $338,000 | $5,613 | 4.20% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $6,730,000 | $673,000 | $6,022 | 4.26% |
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 12 | $6,660,000 | $555,000 | $11,179 | 4.32% |
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 14 | $6,520,000 | $465,714 | $4,885 | 4.48% |
TUCSON, AZ (FHA|USDA|VA) | 18 | $5,810,000 | $322,778 | $4,313 | 4.24% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 15 | $5,795,000 | $386,333 | $9,362 | 4.06% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $5,430,000 | $452,500 | $9,789 | 4.02% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 15 | $5,415,000 | $361,000 | $5,719 | 4.26% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 11 | $5,015,000 | $455,909 | $8,560 | 4.40% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 17 | $4,925,000 | $289,706 | $6,125 | 4.10% |
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $4,615,000 | $512,778 | $7,098 | 4.33% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $4,560,000 | $380,000 | $7,706 | 4.09% |
RALEIGH-CARY, NC (FHA|USDA|VA) | 11 | $3,945,000 | $358,636 | $7,485 | 4.23% |
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 12 | $3,670,000 | $305,833 | $3,396 | 4.25% |
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 9 | $3,015,000 | $335,000 | $7,136 | 4.40% |
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 11 | $2,965,000 | $269,545 | $3,874 | 4.56% |
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $2,890,000 | $722,500 | $6,151 | 4.09% |
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $2,740,000 | $685,000 | $14,015 | 4.59% |
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $2,740,000 | $342,500 | $6,193 | 4.16% |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 8 | $2,730,000 | $341,250 | $11,634 | 4.36% |
SALINAS, CA (FHA|USDA|VA) | 4 | $2,600,000 | $650,000 | $7,230 | 4.50% |
BOISE CITY, ID (FHA|USDA|VA) | 8 | $2,560,000 | $320,000 | $6,410 | 4.28% |
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $2,480,000 | $413,333 | $9,173 | 3.98% |
FLAGSTAFF, AZ (FHA|USDA|VA) | 4 | $2,480,000 | $620,000 | $2,920 | 4.70% |
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $2,475,000 | $495,000 | $10,379 | 4.03% |
CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 9 | $2,465,000 | $273,889 | $4,792 | 4.28% |
ALBUQUERQUE, NM (FHA|USDA|VA) | 8 | $2,450,000 | $306,250 | $4,728 | 4.28% |
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $2,320,000 | $386,667 | $10,014 | 4.13% |
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $4,875 | 4.31% |
Brainerd, MN (FHA|USDA|VA) | 5 | $2,205,000 | $441,000 | $4,832 | 4.48% |
RICHMOND, VA (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $5,621 | 4.95% |
JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $2,065,000 | $413,000 | $4,520 | 4.18% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $2,010,000 | $335,000 | $4,596 | 4.29% |
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $1,975,000 | $395,000 | $5,450 | 4.20% |
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $1,975,000 | $395,000 | $3,222 | 4.10% |
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $1,965,000 | $393,000 | $8,315 | 4.45% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $1,935,000 | $387,000 | $5,706 | 3.88% |
SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $1,905,000 | $381,000 | $6,516 | 4.35% |
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $6,860 | 4.09% |
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $7,526 | 4.38% |
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $8,779 | 4.38% |
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $3,930 | 4.47% |
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $5,310 | 4.45% |
PROVO-OREM, UT (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $8,567 | 3.83% |
COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $6,005 | 4.52% |
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,675,000 | $558,333 | $6,550 | 4.38% |
MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $1,650,000 | $412,500 | $8,734 | 3.91% |
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 6 | $1,560,000 | $260,000 | $3,376 | 4.76% |
ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $5,917 | 4.50% |
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $1,460,000 | $730,000 | $17,613 | 4.25% |
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $8,578 | 4.20% |
SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $19,663 | 4.00% |
COLUMBUS, OH (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $2,799 | 3.91% |
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $7,290 | 4.13% |
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $6,132 | 4.38% |
LOUISVILLE, KY (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $4,737 | 4.22% |
Outside of Metro Areas | 3 | $1,355,000 | $451,667 | $4,132 | 3.96% |
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $2,633 | 4.71% |
BOULDER, CO (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $2,361 | 4.13% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $8,840 | 4.04% |
OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $1,255,000 | $179,286 | $5,591 | 4.75% |
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $6,390 | 4.06% |
ANCHORAGE, AK (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $4,420 | 4.03% |
FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $8,843 | 4.33% |
KNOXVILLE, TN (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $5,738 | 4.29% |
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $8,437 | 4.00% |
MADISON, WI (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $1,933 | 4.19% |
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $4,853 | 4.42% |
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $15,758 | 4.06% |
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $5,753 | 5.13% |
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $4,438 | 4.13% |
Show Low, AZ (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $0 | 5.45% |
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $8,741 | 4.81% |
DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $5,036 | 4.00% |
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $6,854 | 4.25% |
GREELEY, CO (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $5,193 | 4.13% |
BATON ROUGE, LA (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $5,441 | 4.53% |
Sonora, CA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $4,708 | 4.06% |
HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,660 | 3.71% |
URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $3,998 | 4.13% |
Bozeman, MT (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $2,519 | 4.13% |
DULUTH, MN-WI (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $2,288 | 4.31% |
Georgetown, SC (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $4,745 | 4.13% |
Jackson, WY-ID (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $17,847 | 4.13% |
Oak Harbor, WA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $8,028 | 4.38% |
BISMARCK, ND (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $3,469 | 4.58% |
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $7,019 | 4.13% |
MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $9,374 | 4.25% |
TOPEKA, KS (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $2,151 | 4.81% |
SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $13,489 | 3.56% |
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $18,718 | 3.88% |
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $4,554 | 4.13% |
Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $7,705 | 4.69% |
LAWRENCE, KS (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,333 | 4.75% |
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,431 | 4.50% |
SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,381 | 4.25% |
ANN ARBOR, MI (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,214 | 3.94% |
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,610 | 3.44% |
Ukiah, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $2,923 | 3.88% |
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $8,397 | 3.81% |
NAPA, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $6,856 | 3.75% |
ST. GEORGE, UT (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $16,136 | 3.88% |
Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $1,797 | 3.75% |
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,560 | 4.13% |
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,262 | 4.56% |
BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $10,919 | 4.38% |
CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,133 | 4.13% |
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,795 | 4.50% |
FRESNO, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,760 | 4.19% |
JONESBORO, AR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $1,985 | 4.19% |
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,254 | 3.94% |
TYLER, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,445 | 4.31% |
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,183 | 4.63% |
STOCKTON, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,862 | 3.63% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,080 | 4.19% |
SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,671 | 5.19% |
Columbus, MS (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $19,211 | 4.13% |
WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,609 | 3.94% |
Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $11,767 | 3.75% |
BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,585 | 4.00% |
GREEN BAY, WI (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,840 | 4.00% |
Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,762 | 3.75% |
Heber, UT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,363 | 4.00% |
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,497 | 4.75% |
Breckenridge, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,920 | 4.63% |
COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,838 | 4.75% |
SANTA FE, NM (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,415 | 4.50% |
FLORENCE, SC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,242 | 4.63% |
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 3.50% |
EAU CLAIRE, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,344 | 3.69% |
BANGOR, ME (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,086 | 4.63% |
MEDFORD, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,072 | 4.75% |
Juneau, AK (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,516 | 4.38% |
YAKIMA, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,066 | 4.63% |
Nogales, AZ (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $8,314 | 3.75% |
STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,445 | 4.75% |
Maysville, KY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $16,656 | 3.88% |
RENO, NV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $15,718 | 4.38% |
WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $14,505 | 4.13% |
PANAMA CITY, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,598 | 4.25% |
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,120 | 4.50% |
BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,005 | 3.75% |
Albert Lea, MN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,473 | 4.50% |
Mountain Home, ID (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,406 | 4.31% |
Durango, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,504 | 4.13% |
MADERA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,212 | 4.50% |
JACKSON, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,523 | 4.38% |
BECKLEY, WV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,427 | 4.00% |
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,837 | 4.50% |
Weatherford, OK (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,776 | 3.63% |
Sanford, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,649 | 4.25% |
JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,988 | 4.31% |
LONGVIEW, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,387 | 4.00% |
MISSOULA, MT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,083 | 3.88% |
MOBILE, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 3.63% |
Laramie, WY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,743 | 4.00% |
SAVANNAH, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,333 | 4.00% |
COLUMBIA, MO (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,794 | 4.50% |
NILES, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,662 | 3.50% |
BEND, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,211 | 3.88% |
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,095 | 3.50% |
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,605 | 4.00% |
Concord, NH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,462 | 3.13% |
COLUMBIA, SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,969 | 4.00% |
Port Angeles, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,379 | 4.25% |
RACINE, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,762 | 4.13% |
Warrensburg, MO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,558 | 3.88% |
CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 3.63% |
HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,799 | 4.13% |
Hilo, HI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,407 | 4.50% |
Key West, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,386 | 4.75% |
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,348 | 4.50% |
Columbus, NE (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,988 | 4.25% |
PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,191 | 3.88% |
GRANTS PASS, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,596 | 3.75% |
LAS CRUCES, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,930 | 4.50% |
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,057 | 3.38% |
WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,317 | 4.25% |
MONTGOMERY, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,259 | 4.00% |
Whitewater, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,043 | 4.00% |
SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,122 | 3.75% |
RAPID CITY, SD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,735 | 4.13% |
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 5.00% |
Dickinson, ND (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,927 | 4.25% |
GAINESVILLE, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,261 | 4.13% |
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,382 | 4.13% |
Kalispell, MT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,700 | 4.13% |
OCALA, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,013 | 3.50% |
Dublin, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,069 | 4.13% |
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,754 | 4.25% |
FAIRBANKS, AK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,357 | 4.13% |
SAGINAW, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,216 | 4.00% |
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,029 | 4.94% |
Grand Rapids, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,967 | 4.50% |
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,525 | 4.25% |
Alamogordo, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,020 | 4.13% |
JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,666 | 3.50% |
LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,059 | 3.13% |
Clovis, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,205 | 4.38% |
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,449 | 3.75% |
Stevens Point, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,460 | 3.25% |
YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,268 | 3.25% |
LANCASTER, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,090 | 4.13% |
MORRISTOWN, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,173 | 3.50% |
Glasgow, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,057 | 4.00% |
JACKSON, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,260 | 3.50% |
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,728 | 4.50% |
LaGrange, GA-AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,134 | 4.63% |
KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,816 | 3.75% |
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,175 | 4.75% |
Winfield, KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,607 | 4.88% |
YUMA, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,470 | 4.88% |
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.13% |
AKRON, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,426 | 3.75% |
AMES, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,516 | 4.00% |
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,141 | 3.75% |
GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,274 | 4.75% |
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,454 | 4.63% |
MUSKEGON, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,733 | 4.50% |
Cedar City, UT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.13% |
OWENSBORO, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,511 | 4.13% |
SPARTANBURG, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,493 | 3.88% |
APPLETON, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,151 | 4.00% |
ODESSA, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,719 | 4.25% |
BILLINGS, MT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,757 | 3.50% |
GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,150 | 4.13% |
SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,543 | 4.00% |
TOLEDO, OH (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 6.25% |
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,244 | 4.13% |
Salem, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,354 | 4.63% |
Pella, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,044 | 5.00% |
Salina, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.19% |
Parsons, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,649 | 4.50% |
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.39% |
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Product Mix
For 2018, Ks Statebank's most frequently originated type of loan was Conventional, with 1,028 originations. Their 2nd most popular type was VA, with 619 originations.
Loan Reason
For 2018, Ks Statebank's most frequently cited loan purpose was Home Purchase, with 1,252 originations. The 2nd most popular reason was Cash Out Refi, with 279 originations.
Loan Duration/Length
For 2018, Ks Statebank's most frequently cited loan duration was 30 Year, with 1,372 originations. The 2nd most popular length was Other, with 177 originations.
Origination Fees/Closing Costs
Ks Statebank's average total fees were $5,784, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,109 originations.
Interest Rates
During 2018, Ks Statebank's average interest rate for loans was 4.40%, while their most frequently originated rate bucket for loans was 4-5%, with 1,027 originations.
Loan Sizing
2018 saw Ks Statebank place emphasis on $200k-400k loans with 795 originations, totaling $228,555,000 in origination value.
Applicant Income
Ks Statebank lent most frequently to those with incomes in the $100k-150k range, with 409 originations. The second most popular income band? $150k-250k, with 294 originations.
Applicant Debt to Income Ratio
Ks Statebank lent most frequently to those with DTI ratios of 30-36%, with 268 originations. The next most common DTI ratio? 20-30%, with 238 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.29%
Ks Statebank has an average approval rate.
Pick Rate
Approvals leading to origination61.69%
Ks Statebank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 1,827 | $670,765,000 | $367,140 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
Bank Name | Branch | Branch Type | Deposits (000's) |
---|---|---|---|
KS StateBank | 1010 Westloop Pl Manhattan, KS 66502 | Full Service B&M | $1,001,382 |
KS StateBank | 11th And Bluemont Manhattan, KS 66502 | Limited, Drive-thru | $11,519 |
KS StateBank | 1424 South Maize Road Wichita, KS 67209 | Full Service B&M | $147,666 |
KS StateBank | 5110 North Central Avenue Phoenix, AZ 85012 | Full Service B&M | $298,187 |
KS StateBank | 539 West Sixth Street Junction City, KS 66441 | Full Service B&M | $31,583 |
KS StateBank | 555 Poyntz Avenue Manhattan, KS 66502 | Limited, Drive-thru | $24,355 |
KS StateBank | 8803 East Highway 24 Manhattan, KS 66502 | Limited, Drive-thru | $24,599 |
For 2018, Ks Statebank had 7 branches.
Yearly Performance Overview
Bank Income
Item | Value (in 000's) |
---|---|
Total interest income | $81,476 |
Net interest income | $55,957 |
Total noninterest income | $13,523 |
Gross Fiduciary activities income | $0 |
Service charges on deposit accounts | $1,227 |
Trading account gains and fees | $0 |
Additional Noninterest Income | $12,296 |
Pre-tax net operating income | $29,473 |
Securities gains (or losses, -) | $-73 |
Income before extraordinary items | $28,529 |
Discontinued Operations (Extraordinary gains, net) | $0 |
Net income of bank and minority interests | $28,529 |
Minority interest net income | $0 |
Net income | $28,529 |
Sale, conversion, retirement of capital stock, net | $0 |
Net operating income | $28,599 |
Ks Statebank's gross interest income from loans was $81,476,000.
Ks Statebank's net interest income from loans was $55,957,000.
Ks Statebank's fee based income from loans was $1,227,000.
Ks Statebank's net income from loans was $28,529,000.
Bank Expenses
Item | Value (in 000's) |
---|---|
Total interest expense | $25,519 |
Provision for credit losses | $3,000 |
Total noninterest expense | $37,007 |
Salaries and employee benefits | $23,585 |
Premises and equipment expense | $3,921 |
Additional noninterest expense | $9,501 |
Applicable income taxes | $871 |
Net charge-offs | $2,655 |
Cash dividends | $11,638 |
Ks Statebank's interest expense for loans was $25,519,000.
Ks Statebank's payroll and benefits expense were $23,585,000.
Ks Statebank's property, plant and equipment expenses $3,921,000.
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 | 0.0% |
HELOC loans | 1.0% |
All other family | 0.0% |
Commercial & industrial loans | 0.0% |
Personal loans | 0.0% |
Credit card loans | 0.3% |
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 | $1,739,267 |
Deposits held in domestic offices | $1,739,267 |
Deposits by Individuals, partnerships, and corporations | $1,344,581 |
Deposits by U.S. Government | $0 |
Deposits by States and political subdivisions in the U.S. | $156,051 |
Deposits by Commercial banks and other depository institutions in U.S. | $238,635 |
Deposits by Banks in foreign countries | $0 |
Deposits by Foreign governments and official institutions | $0 |
Transaction accounts | $98,037 |
Demand deposits | $74,062 |
Nontransaction accounts | $1,641,230 |
Money market deposit accounts (MMDAs) | $227,609 |
Other savings deposits (excluding MMDAs) | $452,864 |
Total time deposits | $960,758 |
Total time and savings deposits | $1,665,205 |
Noninterest-bearing deposits | $52,796 |
Interest-bearing deposits | $1,686,471 |
Retail deposits | $1,434,460 |
IRAs and Keogh plan accounts | $22,633 |
Brokered deposits | $203,044 |
Deposits held in foreign offices | $0 |
Assets
Asset | Value (in 000's) |
---|---|
Total Assets | $2,029,298 |
Cash & Balances due from depository institutions | $121,673 |
Interest-bearing balances | $100,676 |
Total securities | $344,032 |
Federal funds sold & reverse repurchase | $0 |
Net loans and leases | $1,525,054 |
Loan and leases loss allowance | $21,454 |
Trading account assets | $0 |
Bank premises and fixed assets | $8,648 |
Other real estate owned | $90 |
Goodwill and other intangibles | $0 |
All other assets | $29,801 |
Liabilities
Liabilities | Value (in 000's) |
---|---|
Total liabilities and capital | $2,029,298 |
Total Liabilities | $1,849,954 |
Total deposits | $1,739,267 |
Interest-bearing deposits | $1,686,471 |
Deposits held in domestic offices | $1,739,267 |
% insured (estimated) | $87 |
Federal funds purchased and repurchase agreements | $9,712 |
Trading liabilities | $0 |
Other borrowed funds | $96,540 |
Subordinated debt | $0 |
All other liabilities | $4,435 |
Issued Loan Types
Type | Value (in 000's) |
---|---|
Net loans and leases | $1,525,054 |
Loan and leases loss allowance | $21,454 |
Total loans and leases (domestic) | $1,546,508 |
All real estate loans | $999,684 |
Real estate loans in domestic offices | $999,684 |
Construction and development loans | $48,601 |
Residential 1-4 family construction | $12,429 |
Other construction, all land development and other land | $36,172 |
Loans secured by nonfarm nonresidential properties | $481,252 |
Nonfarm nonresidential secured by owner-occupied properties | $322,088 |
Commercial real estate & other non-farm, non-residential | $159,164 |
Multifamily residential real estate | $101,563 |
1-4 family residential loans | $343,056 |
Farmland loans | $25,212 |
Loans held in foreign offices | $0 |
Farm loans | $10,931 |
Commercial and industrial loans | $275,431 |
To non-U.S. addressees | $0 |
Loans to individuals | $8,015 |
Credit card loans | $3,180 |
Related Plans | $233 |
Consumer Auto Loans | $2,160 |
Other loans to individuals | $2,442 |
All other loans & leases | $252,447 |
Loans to foreign governments and official institutions | $0 |
Other loans | $15,884 |
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 | $2,444 |
Non 1-4 family restructured loans & leases | $0 |
Total loans and leases (foreign) | $0 |
KS StateBank had $1,525,054,000 of loans outstanding in 2018. $999,684,000 of loans were in real estate loans. $48,601,000 of loans were in development loans. $101,563,000 of loans were in multifamily mortgage loans. $343,056,000 of loans were in 1-4 family mortgage loans. $10,931,000 of loans were in farm loans. $3,180,000 of loans were in credit card loans. $2,160,000 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 | 426 | $135,773 | $318,716 |
Nonfarm, nonresidential loans - <$100k | 79 | $3,620 | $45,823 |
Nonfarm, nonresidential loans - $100-250k | 100 | $14,319 | $143,190 |
Nonfarm, nonresidential loans - $250k-1MM | 247 | $117,834 | $477,061 |
Commercial & Industrial, US addressed loans - <$1MM | 787 | $100,385 | $127,554 |
Commercial & Industrial, US addressed loans - <$100k | 423 | $11,688 | $27,631 |
Commercial & Industrial, US addressed loans - $100-250k | 167 | $17,309 | $103,647 |
Commercial & Industrial, US addressed loans - $250k-1MM | 197 | $71,388 | $362,376 |
Farmland loans - <$1MM | 43 | $5,138 | $119,488 |
Farmland loans - <$100k | 26 | $1,014 | $39,000 |
Farmland loans - $100-250k | 5 | $748 | $149,600 |
Farmland loans - $250k-1MM | 12 | $3,376 | $281,333 |
Agriculture operations loans - <$1MM | 44 | $1,961 | $44,568 |
Agriculture operations loans - <$100k | 36 | $1,072 | $29,778 |
Agriculture operations loans - $100-250k | 8 | $889 | $111,125 |