Ks Statebank Mortgage Rates, Fees & Info
Manhattan, KSLEI: 549300Z6EE8DBBFUW487
Tax ID: 48-0760380
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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, Washington, Manhattan, and Wichita among others. We have data for 367 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 a low 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
4,762Origination Dollar Volume (All Markets)
$1,737,800,000Employee count
281Awards
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KS StateBank - 2020
KS StateBank is a 2020 , due to their low .
For 2020, 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) | 504 | $231,060,000 | $458,452 | $2,974 | 3.50% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 452 | $136,120,000 | $301,150 | $2,740 | 3.07% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 181 | $90,795,000 | $501,630 | $3,923 | 2.81% |
| MANHATTAN, KS (FHA|USDA|VA) | 315 | $89,485,000 | $284,079 | $2,617 | 3.56% |
| WICHITA, KS (FHA|USDA|VA) | 286 | $70,550,000 | $246,678 | $3,347 | 3.77% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 138 | $50,390,000 | $365,145 | $4,514 | 2.90% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 165 | $45,785,000 | $277,485 | $2,845 | 3.44% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 101 | $42,225,000 | $418,069 | $2,819 | 2.91% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 71 | $32,085,000 | $451,901 | $4,124 | 2.91% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 60 | $31,600,000 | $526,667 | $3,696 | 2.98% |
| Outside of Metro Areas | 112 | $30,530,000 | $272,589 | $3,469 | 3.13% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 79 | $29,855,000 | $377,911 | $4,177 | 2.83% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 84 | $28,300,000 | $336,905 | $5,195 | 2.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 74 | $26,610,000 | $359,595 | $6,341 | 2.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 65 | $25,805,000 | $397,000 | $3,590 | 2.83% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 62 | $23,740,000 | $382,903 | $3,820 | 2.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 45 | $23,445,000 | $521,000 | $3,721 | 2.92% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 52 | $19,530,000 | $375,577 | $3,653 | 2.86% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 42 | $19,010,000 | $452,619 | $4,224 | 2.77% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 41 | $17,895,000 | $436,463 | $3,560 | 3.09% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 44 | $17,810,000 | $404,773 | $4,699 | 2.89% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 36 | $16,770,000 | $465,833 | $5,745 | 2.77% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 39 | $14,075,000 | $360,897 | $3,407 | 2.90% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 35 | $13,785,000 | $393,857 | $3,829 | 2.83% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 36 | $13,720,000 | $381,111 | $4,319 | 2.89% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 38 | $13,150,000 | $346,053 | $4,236 | 2.87% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 31 | $12,765,000 | $411,774 | $3,119 | 2.92% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 32 | $12,310,000 | $384,688 | $3,483 | 2.74% |
| TUCSON, AZ (FHA|USDA|VA) | 31 | $11,685,000 | $376,935 | $3,492 | 3.30% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 31 | $11,245,000 | $362,742 | $5,052 | 2.73% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 31 | $11,175,000 | $360,484 | $4,015 | 2.93% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 31 | $10,945,000 | $353,065 | $4,034 | 2.83% |
| ANCHORAGE, AK (FHA|USDA|VA) | 21 | $10,155,000 | $483,571 | $7,225 | 2.63% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 19 | $10,065,000 | $529,737 | $3,159 | 2.94% |
| BOULDER, CO (FHA|USDA|VA) | 21 | $9,315,000 | $443,571 | $2,229 | 3.01% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 13 | $9,205,000 | $708,077 | $10,323 | 2.46% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 27 | $8,905,000 | $329,815 | $3,674 | 2.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 20 | $8,400,000 | $420,000 | $3,231 | 3.09% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 22 | $8,290,000 | $376,818 | $4,235 | 2.91% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 15 | $8,255,000 | $550,333 | $1,960 | 3.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 29 | $8,085,000 | $278,793 | $4,525 | 2.87% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 24 | $7,940,000 | $330,833 | $2,837 | 3.10% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 20 | $7,910,000 | $395,500 | $3,813 | 2.86% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 21 | $7,655,000 | $364,524 | $2,886 | 2.85% |
| RICHMOND, VA (FHA|USDA|VA) | 18 | $7,310,000 | $406,111 | $4,553 | 2.72% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 22 | $7,300,000 | $331,818 | $3,256 | 3.01% |
| BOISE CITY, ID (FHA|USDA|VA) | 18 | $7,250,000 | $402,778 | $4,733 | 2.73% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 18 | $7,190,000 | $399,444 | $6,557 | 2.95% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 25 | $6,845,000 | $273,800 | $3,610 | 3.22% |
| Brainerd, MN (FHA|USDA|VA) | 24 | $6,800,000 | $283,333 | $2,367 | 3.02% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 19 | $6,775,000 | $356,579 | $2,500 | 3.10% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 19 | $6,565,000 | $345,526 | $3,531 | 2.71% |
| LOUISVILLE, KY (FHA|USDA|VA) | 15 | $5,825,000 | $388,333 | $3,069 | 2.80% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 15 | $5,695,000 | $379,667 | $4,759 | 2.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 17 | $5,685,000 | $334,412 | $1,857 | 2.99% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 16 | $5,650,000 | $353,125 | $1,821 | 2.76% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 16 | $5,650,000 | $353,125 | $4,707 | 2.74% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 15 | $5,365,000 | $357,667 | $1,772 | 2.76% |
| Alamogordo, NM (FHA|USDA|VA) | 23 | $5,225,000 | $227,174 | $4,199 | 2.70% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 7 | $4,975,000 | $710,714 | $2,068 | 3.40% |
| TOPEKA, KS (FHA|USDA|VA) | 14 | $4,960,000 | $354,286 | $2,812 | 3.64% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 13 | $4,835,000 | $371,923 | $5,218 | 2.70% |
| RENO, NV (FHA|USDA|VA) | 11 | $4,395,000 | $399,545 | $4,956 | 2.84% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 12 | $3,950,000 | $329,167 | $2,271 | 2.78% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 6 | $3,850,000 | $641,667 | $8,588 | 3.04% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 9 | $3,775,000 | $419,444 | $1,932 | 2.97% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 11 | $3,695,000 | $335,909 | $2,313 | 2.73% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 7 | $3,605,000 | $515,000 | $4,885 | 2.68% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 10 | $3,550,000 | $355,000 | $2,981 | 2.66% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $3,525,000 | $705,000 | $2,319 | 2.68% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 9 | $3,485,000 | $387,222 | $1,640 | 2.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 7 | $3,385,000 | $483,571 | $4,898 | 3.05% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 6 | $3,340,000 | $556,667 | $1,333 | 2.75% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 7 | $3,295,000 | $470,714 | $5,378 | 2.79% |
| Astoria, OR (FHA|USDA|VA) | 9 | $3,265,000 | $362,778 | $6,307 | 3.04% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 12 | $3,040,000 | $253,333 | $6,578 | 2.69% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 8 | $2,990,000 | $373,750 | $3,899 | 2.67% |
| COLUMBIA, SC (FHA|USDA|VA) | 9 | $2,955,000 | $328,333 | $2,255 | 2.76% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 7 | $2,885,000 | $412,143 | $3,507 | 2.39% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $2,860,000 | $476,667 | $3,566 | 2.65% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $2,840,000 | $355,000 | $3,428 | 3.03% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $2,830,000 | $471,667 | $7,406 | 2.77% |
| COLUMBUS, OH (FHA|USDA|VA) | 8 | $2,770,000 | $346,250 | $4,089 | 2.91% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $2,740,000 | $342,500 | $3,008 | 2.81% |
| KNOXVILLE, TN (FHA|USDA|VA) | 7 | $2,665,000 | $380,714 | $2,109 | 2.64% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 5 | $2,655,000 | $531,000 | $2,459 | 2.60% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 7 | $2,615,000 | $373,571 | $2,388 | 2.70% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 9 | $2,585,000 | $287,222 | $3,258 | 2.71% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $2,555,000 | $365,000 | $3,490 | 2.93% |
| SALEM, OR (FHA|USDA|VA) | 4 | $2,530,000 | $632,500 | $8,206 | 2.78% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 7 | $2,525,000 | $360,714 | $3,802 | 2.68% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 8 | $2,480,000 | $310,000 | $4,886 | 3.06% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 6 | $2,450,000 | $408,333 | $7,077 | 2.81% |
| GREELEY, CO (FHA|USDA|VA) | 9 | $2,395,000 | $266,111 | $2,070 | 3.06% |
| MODESTO, CA (FHA|USDA|VA) | 9 | $2,365,000 | $262,778 | $1,823 | 3.81% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 7 | $2,335,000 | $333,571 | $5,005 | 2.82% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 8 | $2,320,000 | $290,000 | $2,066 | 3.11% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 8 | $2,310,000 | $288,750 | $4,139 | 2.70% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $1,903 | 2.77% |
| MONTGOMERY, AL (FHA|USDA|VA) | 8 | $2,180,000 | $272,500 | $2,655 | 3.16% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $2,165,000 | $433,000 | $3,453 | 2.70% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $2,145,000 | $429,000 | $4,579 | 3.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 9 | $2,135,000 | $237,222 | $4,745 | 2.61% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 7 | $2,085,000 | $297,857 | $4,988 | 2.66% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 5 | $2,035,000 | $407,000 | $2,494 | 2.98% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,995,000 | $665,000 | $5,042 | 2.75% |
| EL PASO, TX (FHA|USDA|VA) | 8 | $1,900,000 | $237,500 | $4,459 | 2.66% |
| CORVALLIS, OR (FHA|USDA|VA) | 6 | $1,880,000 | $313,333 | $3,906 | 3.15% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $1,870,000 | $311,667 | $3,268 | 2.71% |
| Oak Harbor, WA (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $1,972 | 2.67% |
| Georgetown, SC (FHA|USDA|VA) | 4 | $1,830,000 | $457,500 | $3,430 | 2.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $1,820,000 | $455,000 | $4,479 | 2.78% |
| TOLEDO, OH (FHA|USDA|VA) | 6 | $1,820,000 | $303,333 | $3,235 | 3.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,775,000 | $355,000 | $6,481 | 2.88% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $1,606 | 3.05% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $5,160 | 2.80% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $1,755,000 | $585,000 | $3,646 | 2.88% |
| Bozeman, MT (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $2,909 | 2.94% |
| ST. GEORGE, UT (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $7,886 | 2.66% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $2,183 | 2.81% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $6,485 | 2.78% |
| Concord, NH (FHA|USDA|VA) | 3 | $1,625,000 | $541,667 | $12,061 | 2.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $3,340 | 2.72% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $1,610,000 | $402,500 | $3,791 | 2.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $3,393 | 2.73% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,580,000 | $790,000 | $5,904 | 3.44% |
| TULSA, OK (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $4,130 | 2.88% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $1,716 | 2.73% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $4,655 | 2.81% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $1,084 | 2.56% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $8,954 | 2.69% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $6,620 | 2.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 7 | $1,475,000 | $210,714 | $2,441 | 2.86% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $2,480 | 3.06% |
| LAWRENCE, KS (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $2,212 | 3.25% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $4,040 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $2,437 | 2.56% |
| DOVER, DE (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $700 | 2.63% |
| SANTA FE, NM (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $4,306 | 3.34% |
| St. Marys, GA (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $4,222 | 3.23% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $3,482 | 2.66% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $1,960 | 3.13% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $2,251 | 2.75% |
| Clovis, NM (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $4,487 | 2.53% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $2,775 | 3.29% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $5,536 | 2.67% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $5,559 | 2.42% |
| Montrose, CO (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $1,674 | 2.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $2,672 | 2.81% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $5,457 | 2.67% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $5,309 | 2.67% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $967 | 3.42% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $2,518 | 3.33% |
| Outside of Metro Areas | 3 | $1,145,000 | $381,667 | $2,565 | 2.58% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $4,856 | 2.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $2,840 | 2.63% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $7,549 | 2.83% |
| Alexandria, MN (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $2,541 | 2.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $6,247 | 2.67% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $1,361 | 3.04% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $1,950 | 3.00% |
| TYLER, TX (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $7,790 | 2.42% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $2,093 | 2.75% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $6,778 | 2.69% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $8,454 | 2.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $4,504 | 2.63% |
| BISMARCK, ND (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $4,867 | 2.69% |
| LINCOLN, NE (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $2,926 | 2.97% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $2,183 | 2.88% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $13,426 | 3.44% |
| ENID, OK (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $2,987 | 2.46% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $2,981 | 2.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $2,912 | 2.42% |
| Key West, FL (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $2,617 | 3.19% |
| Del Rio, TX (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,532 | 2.54% |
| PUEBLO, CO (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $2,195 | 2.75% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $1,273 | 2.75% |
| Durango, CO (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $2,295 | 2.94% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $6,656 | 2.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $6,260 | 2.71% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $2,560 | 2.81% |
| Show Low, AZ (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $3,692 | 3.13% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $5,036 | 2.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $2,398 | 3.17% |
| WACO, TX (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $214 | 3.13% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $2,139 | 3.17% |
| RAPID CITY, SD (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $1,160 | 2.81% |
| AMES, IA (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $200 | 2.75% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $3,600 | 2.69% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $7,634 | 2.44% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,605 | 2.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,131 | 3.13% |
| Seneca, SC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $2,189 | 2.88% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $1,643 | 3.19% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $2,275 | 2.63% |
| Edwards, CO (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $1,923 | 3.13% |
| Heber, UT (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,212 | 3.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $1,839 | 3.13% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,168 | 2.75% |
| Grand Rapids, MN (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $2,429 | 2.75% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,161 | 3.06% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $2,584 | 2.94% |
| Hutchinson, KS (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $2,127 | 3.85% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $6,137 | 2.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $813 | 2.63% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,281 | 2.69% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,137 | 2.38% |
| MADISON, WI (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $8,211 | 2.31% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,323 | 2.69% |
| AKRON, OH (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $11,374 | 2.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,758 | 2.63% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,781 | 2.81% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $8,809 | 2.25% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,840 | 2.25% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $1,460 | 2.75% |
| New Castle, PA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,604 | 3.00% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $1,994 | 3.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $1,977 | 2.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,146 | 3.19% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $1,854 | 3.08% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,024 | 2.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,553 | 3.00% |
| Altus, OK (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,377 | 2.31% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,461 | 2.75% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,606 | 2.56% |
| Greenville, OH (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $11,791 | 3.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,550 | 2.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $53 | 2.75% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $1,739 | 3.00% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 2.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,326 | 3.31% |
| Searcy, AR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,912 | 2.94% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $475 | 3.60% |
| Forest City, NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $19,241 | 2.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,389 | 2.25% |
| Holland, MI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $10,090 | 2.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,867 | 2.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 3.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,248 | 2.75% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,288 | 2.75% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $1,540 | 2.50% |
| Hood River, OR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $903 | 3.00% |
| REDDING, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $19,065 | 2.75% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,823 | 2.88% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,568 | 2.94% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,281 | 3.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $12,468 | 2.25% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,671 | 3.00% |
| Angola, IN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,583 | 3.38% |
| Americus, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,723 | 2.88% |
| Ketchikan, AK (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,162 | 2.38% |
| Columbus, NE (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $1,485 | 3.00% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $1,002 | 2.50% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,094 | 2.75% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,086 | 3.63% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $1,873 | 3.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,509 | 2.50% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,170 | 2.25% |
| Maysville, KY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $1,499 | 2.75% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $57 | 2.88% |
| Torrington, CT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,743 | 2.75% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,208 | 3.50% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $16,763 | 2.75% |
| Gallup, NM (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $888 | 2.38% |
| Pullman, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,519 | 2.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,899 | 2.88% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,688 | 3.00% |
| Hilo, HI (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,912 | 2.88% |
| Moscow, ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $9,213 | 2.75% |
| Dublin, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,852 | 3.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $13,136 | 2.88% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $953 | 2.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,155 | 2.75% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,887 | 3.25% |
| READING, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,874 | 2.88% |
| Clinton, IA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,885 | 2.75% |
| MADERA, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,907 | 2.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $179 | 2.75% |
| Newport, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,027 | 2.88% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,252 | 2.25% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,921 | 3.00% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 2.88% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,808 | 2.25% |
| Salina, KS (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,099 | 3.69% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 4.55% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,338 | 2.25% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,781 | 3.63% |
| Washington, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,054 | 3.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,352 | 2.25% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $293 | 2.88% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,835 | 3.00% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,265 | 3.00% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,006 | 2.88% |
| Williston, ND (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $587 | 2.75% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,909 | 2.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,969 | 2.25% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,653 | 2.75% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,575 | 2.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,857 | 2.75% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,414 | 3.50% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,669 | 2.25% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,575 | 2.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $911 | 2.25% |
| Prineville, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 3.88% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,734 | 3.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,053 | 3.38% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,584 | 2.75% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,973 | 2.63% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,978 | 3.13% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,642 | 3.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 2.75% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $320 | 2.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,523 | 2.88% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,546 | 3.25% |
| Hailey, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,535 | 3.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,153 | 3.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,807 | 2.38% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,994 | 2.38% |
| Lake City, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,875 | 3.25% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $580 | 3.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $435 | 3.25% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,467 | 2.75% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $421 | 2.25% |
| MIDLAND, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,320 | 2.88% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 2.25% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,456 | 3.38% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,398 | 3.25% |
| Brookings, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $495 | 3.00% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $688 | 2.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,251 | 2.38% |
| Murray, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,368 | 2.25% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,764 | 2.25% |
| Marshall, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,602 | 2.75% |
| Payson, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.99% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,671 | 3.50% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,480 | 2.38% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,894 | 2.75% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,526 | 2.50% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 3.00% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,222 | 3.25% |
| Pierre, SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,531 | 2.38% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,814 | 3.50% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 2.38% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,738 | 2.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,373 | 2.38% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.49% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,318 | 3.25% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,102 | 2.50% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,956 | 2.38% |
| Crossville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $776 | 3.00% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $923 | 3.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,594 | 2.88% |
| Minot, ND (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,423 | 3.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,226 | 3.00% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.63% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,660 | 3.00% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.50% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,678 | 2.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.13% |
| McPherson, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,893 | 2.75% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $911 | 2.75% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,418 | 2.25% |
| NILES, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,145 | 3.00% |
| Rutland, VT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,293 | 3.38% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $973 | 3.13% |
| Emporia, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.69% |
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Product Mix
For 2020, Ks Statebank's most frequently originated type of loan was Conventional, with 2,619 originations. Their 2nd most popular type was VA, with 1,993 originations.
Loan Reason
For 2020, Ks Statebank's most frequently cited loan purpose was Refi, with 2,654 originations. The 2nd most popular reason was Home Purchase, with 1,390 originations.
Loan Duration/Length
For 2020, Ks Statebank's most frequently cited loan duration was 30 Year, with 3,890 originations. The 2nd most popular length was 15 Year, with 361 originations.
Origination Fees/Closing Costs
Ks Statebank's average total fees were $3,759, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,182 originations.
Interest Rates
During 2020, Ks Statebank's average interest rate for loans was 2.95%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,075 originations.
Loan Sizing
2020 saw Ks Statebank place emphasis on $200k-400k loans with 2,218 originations, totaling $673,720,000 in origination value.
Applicant Income
Ks Statebank lent most frequently to those with incomes in the $100k-150k range, with 944 originations. The second most popular income band? $150k-250k, with 703 originations.
Applicant Debt to Income Ratio
Ks Statebank lent most frequently to those with DTI ratios of 20-30%, with 741 originations. The next most common DTI ratio? 30-36%, with 601 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.57%
Ks Statebank has an average approval rate.
Pick Rate
Approvals leading to origination69.09%
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 |
|---|---|---|---|
| 495.0 | 1 | $75,000 | $75,000 |
| NA | 4,761 | $1,737,725,000 | $364,992 |
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 | $1,125,555 |
| Ks Statebank | 11th And Bluemont Manhattan, KS 66502 | Limited, Drive-thru | $12,506 |
| Ks Statebank | 1424 South Maize Road Wichita, KS 67209 | Full Service B&M | $206,968 |
| Ks Statebank | 5110 North Central Avenue Phoenix, AZ 85012 | Full Service B&M | $528,002 |
| Ks Statebank | 539 West Sixth Street Junction City, KS 66441 | Full Service B&M | $39,167 |
| Ks Statebank | 555 Poyntz Avenue Manhattan, KS 66502 | Limited, Drive-thru | $26,658 |
| Ks Statebank | 8803 East Highway 24 Manhattan, KS 66502 | Limited, Drive-thru | $25,642 |
For 2020, Ks Statebank had 7 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $95,227 |
| Net interest income | $67,158 |
| Total noninterest income | $56,149 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $859 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $55,290 |
| Pre-tax net operating income | $60,424 |
| Securities gains (or losses, -) | $-1 |
| Income before extraordinary items | $58,552 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $58,552 |
| Minority interest net income | $0 |
| Net income | $58,552 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $58,552 |
Ks Statebank's gross interest income from loans was $95,227,000.
Ks Statebank's net interest income from loans was $67,158,000.
Ks Statebank's fee based income from loans was $859,000.
Ks Statebank's net income from loans was $58,552,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $28,069 |
| Provision for credit losses | $10,000 |
| Total noninterest expense | $52,883 |
| Salaries and employee benefits | $37,316 |
| Premises and equipment expense | $4,178 |
| Additional noninterest expense | $11,389 |
| Applicable income taxes | $1,871 |
| Net charge-offs | $3,304 |
| Cash dividends | $20,164 |
Ks Statebank's interest expense for loans was $28,069,000.
Ks Statebank's payroll and benefits expense were $37,316,000.
Ks Statebank's property, plant and equipment expenses $4,178,000.
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 | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| 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 | $1,968,374 |
| Deposits held in domestic offices | $1,968,374 |
| Deposits by Individuals, partnerships, and corporations | $1,382,901 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $191,239 |
| Deposits by Commercial banks and other depository institutions in U.S. | $394,234 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $163,466 |
| Demand deposits | $148,581 |
| Nontransaction accounts | $1,804,908 |
| Money market deposit accounts (MMDAs) | $351,702 |
| Other savings deposits (excluding MMDAs) | $532,856 |
| Total time deposits | $920,351 |
| Total time and savings deposits | $1,819,793 |
| Noninterest-bearing deposits | $116,873 |
| Interest-bearing deposits | $1,851,501 |
| Retail deposits | $1,712,413 |
| IRAs and Keogh plan accounts | $21,649 |
| Brokered deposits | $187,107 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,322,706 |
| Cash & Balances due from depository institutions | $113,300 |
| Interest-bearing balances | $85,862 |
| Total securities | $362,564 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,801,144 |
| Loan and leases loss allowance | $28,982 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,775 |
| Other real estate owned | $416 |
| Goodwill and other intangibles | $0 |
| All other assets | $39,507 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,322,706 |
| Total Liabilities | $2,079,759 |
| Total deposits | $1,968,374 |
| Interest-bearing deposits | $1,851,501 |
| Deposits held in domestic offices | $1,968,374 |
| % insured (estimated) | $83 |
| Federal funds purchased and repurchase agreements | $12,862 |
| Trading liabilities | $0 |
| Other borrowed funds | $90,097 |
| Subordinated debt | $0 |
| All other liabilities | $8,426 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,801,144 |
| Loan and leases loss allowance | $28,982 |
| Total loans and leases (domestic) | $1,830,126 |
| All real estate loans | $1,231,222 |
| Real estate loans in domestic offices | $1,231,222 |
| Construction and development loans | $60,321 |
| Residential 1-4 family construction | $17,529 |
| Other construction, all land development and other land | $42,792 |
| Loans secured by nonfarm nonresidential properties | $610,202 |
| Nonfarm nonresidential secured by owner-occupied properties | $402,136 |
| Commercial real estate & other non-farm, non-residential | $208,066 |
| Multifamily residential real estate | $99,767 |
| 1-4 family residential loans | $437,405 |
| Farmland loans | $23,527 |
| Loans held in foreign offices | $0 |
| Farm loans | $12,001 |
| Commercial and industrial loans | $293,921 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $7,410 |
| Credit card loans | $2,919 |
| Related Plans | $191 |
| Consumer Auto Loans | $1,957 |
| Other loans to individuals | $2,343 |
| All other loans & leases | $285,571 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $12,422 |
| 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 | $3,943 |
| Non 1-4 family restructured loans & leases | $3,060 |
| Total loans and leases (foreign) | $0 |
KS StateBank had $1,801,144,000 of loans outstanding in 2020. $1,231,222,000 of loans were in real estate loans. $60,321,000 of loans were in development loans. $99,767,000 of loans were in multifamily mortgage loans. $437,405,000 of loans were in 1-4 family mortgage loans. $12,001,000 of loans were in farm loans. $2,919,000 of loans were in credit card loans. $1,957,000 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 | 388 | $121,877 | $314,116 |
| Nonfarm, nonresidential loans - <$100k | 54 | $2,512 | $46,519 |
| Nonfarm, nonresidential loans - $100-250k | 99 | $13,103 | $132,354 |
| Nonfarm, nonresidential loans - $250k-1MM | 235 | $106,262 | $452,179 |
| Commercial & Industrial, US addressed loans - <$1MM | 712 | $68,353 | $96,001 |
| Commercial & Industrial, US addressed loans - <$100k | 460 | $13,293 | $28,898 |
| Commercial & Industrial, US addressed loans - $100-250k | 114 | $13,488 | $118,316 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 138 | $41,572 | $301,246 |
| Farmland loans - <$1MM | 29 | $4,782 | $164,897 |
| Farmland loans - <$100k | 9 | $242 | $26,889 |
| Farmland loans - $100-250k | 10 | $1,413 | $141,300 |
| Farmland loans - $250k-1MM | 10 | $3,127 | $312,700 |
| Agriculture operations loans - <$1MM | 18 | $1,555 | $86,389 |
| Agriculture operations loans - <$100k | 11 | $404 | $36,727 |
| Agriculture operations loans - $100-250k | 4 | $422 | $105,500 |
| Agriculture operations loans - $250k-1MM | 3 | $729 | $243,000 |