Ks Statebank Mortgage Rates, Fees & Info
Manhattan, KSLEI: 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 St. Joseph among others. We have data for 50 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 8.65% | 4/28/24 |
| 15 Year Conventional Purchase | 5.68% | 4/28/24 |
| 15 Year Conventional Refi | 5.68% | 4/28/24 |
| 15 Year Cash-out Refi | 5.68% | 4/28/24 |
| 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
772Origination Dollar Volume (All Markets)
$267,100,000Top 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) | 115 | $121,945,000 | $1,060,391 | $0 | 5.59% |
| WICHITA, KS (FHA|USDA|VA) | 273 | $52,875,000 | $193,681 | $0 | 5.68% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 152 | $28,960,000 | $190,526 | $0 | 5.89% |
| MANHATTAN, KS (FHA|USDA|VA) | 88 | $17,570,000 | $199,659 | $0 | 5.72% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 42 | $5,590,000 | $133,095 | $0 | 5.77% |
| CASPER, WY (FHA|USDA|VA) | 1 | $4,125,000 | $4,125,000 | $0 | 5.10% |
| Outside of Metro Areas | 13 | $3,935,000 | $302,692 | $0 | 5.97% |
| TOLEDO, OH (FHA|USDA|VA) | 5 | $3,635,000 | $727,000 | $0 | 5.77% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $3,560,000 | $593,333 | $0 | 5.65% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $1,840,000 | $460,000 | $0 | 5.45% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $1,795,000 | $598,333 | $0 | 5.36% |
| LAWRENCE, KS (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $0 | 5.58% |
| Payson, AZ (FHA|USDA|VA) | 2 | $1,500,000 | $750,000 | $0 | 6.02% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 5.99% |
| Marshall, MO (FHA|USDA|VA) | 1 | $1,255,000 | $1,255,000 | $0 | 6.29% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $0 | 5.54% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $0 | 4.99% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $0 | 5.98% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $0 | 5.70% |
| TOPEKA, KS (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $0 | 5.41% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $0 | 5.69% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $0 | 7.10% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $0 | 4.09% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 6.39% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 4.99% |
| Hutchinson, KS (FHA|USDA|VA) | 6 | $440,000 | $73,333 | $0 | 6.15% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 5.14% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 7.55% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 4.90% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 5.79% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.55% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.32% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 5.00% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 5.85% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 4.49% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 6.82% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.15% |
| Winfield, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.29% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.80% |
| SALEM, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.89% |
| RENO, NV (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 6.15% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.49% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 5.02% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.39% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.99% |
| ENID, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.47% |
| AKRON, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.09% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.39% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.89% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 635 | $208,255,000 | $327,961 | $0 | 5.71% |
| HELOC | 137 | $58,845,000 | $429,526 | n/a | 5.86% |
For 2022, Ks Statebank's most frequently originated type of loan was Conventional, with 635 originations. Their 2nd most popular type was HELOC, with 137 originations.
Loan Reason
For 2022, Ks Statebank's most frequently cited loan purpose was Home Purchase, with 461 originations. The 2nd most popular reason was Refi, with 233 originations.
Loan Duration/Length
For 2022, Ks Statebank's most frequently cited loan duration was Other, with 639 originations. The 2nd most popular length was 1 Year, with 48 originations.
Interest Rates
During 2022, Ks Statebank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 259 originations.
Loan Sizing
2022 saw Ks Statebank place emphasis on $100,000 or less loans with 251 originations, totaling $17,855,000 in origination value.
Applicant Income
Ks Statebank lent most frequently to those with incomes in the $150k-250k range, with 35 originations. The second most popular income band? $250k+, with 29 originations.
Applicant Debt to Income Ratio
Ks Statebank lent most frequently to those with DTI ratios of 20-30%, with 10 originations. The next most common DTI ratio? 30-36%, with 10 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.71%
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 origination84.59%
Ks Statebank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 772 | $267,100,000 | $345,984 |