Plaquemine Bank And Trust Company Mortgage Rates, Fees & Info

Plaquemine, LA

LEI: 2549003E1YOW83GR2Q12

Tax ID: 72-0647414

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Plaquemine Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Plaquemine Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Baton Rouge, Lafayette, and Houma among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Plaquemine Bank And Trust Company 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    37

    Origination Dollar Volume (All Markets)

    $4,265,000

    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
    BATON ROUGE, LA (FHA|USDA|VA) 32 $3,580,000 $111,875 $0 0.00%
    LAFAYETTE, LA (FHA|USDA|VA) 4 $510,000 $127,500 $0 0.00%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    Plaquemine Bank And Trust Company's top markets include Baton Rouge, Lafayette, and Houma among others.

    Their top states include:
  • Louisiana (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 37 $4,265,000 $115,270 $0 0.00%

    For 2018, Plaquemine Bank And Trust Company's most frequently originated type of loan was Conventional, with 37 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 17 $2,985,000 $175,588 $0 0.00%
    Refi 17 $1,135,000 $66,765 $0 0.00%
    Other 2 $100,000 $50,000 $0 0.00%
    Home Improvement 1 $45,000 $45,000 $0 0.00%

    For 2018, Plaquemine Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 17 originations. The 2nd most popular reason was Refi, with 17 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 37 $4,265,000 $115,270 $0 0.00%

    For 2018, Plaquemine Bank And Trust Company's most frequently cited loan duration was Other, with 37 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 20 $910,000 $45,500 $0 0.00%
    $100k-200k 11 $1,685,000 $153,182 $0 0.00%
    $200k-400k 6 $1,670,000 $278,333 $0 0.00%

    2018 saw Plaquemine Bank And Trust Company place emphasis on $100,000 or less loans with 20 originations, totaling $910,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 7 $845,000 $120,714 $0 0.00%
    $75k-100k 7 $715,000 $102,143 $0 0.00%
    $150k-250k 5 $655,000 $131,000 $0 0.00%
    $50k or less 4 $190,000 $47,500 $0 0.00%
    $100k-150k 2 $170,000 $85,000 $0 0.00%
    $250k+ 1 $245,000 $245,000 $0 0.00%

    Plaquemine Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 7 originations. The second most popular income band? $75k-100k, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 37 $4,265,000 $115,270 $0 0.00%

    Plaquemine Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 37 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 16 $2,270,000 $141,875 $0 0.00%
    Not applicable 8 $1,380,000 $172,500 $0 0.00%
    Black 12 $550,000 $45,833 $0 0.00%
    Other Asian 1 $65,000 $65,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.30%

    Plaquemine Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.49%

    Plaquemine Bank And Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 37 $4,265,000 $115,270

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $285,000 $285,000
    Multifamily:Site-Built 3 $455,000 $151,667
    Single Family (1-4 Units):Manufactured 2 $110,000 $55,000
    Single Family (1-4 Units):Site-Built 31 $3,415,000 $110,161

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    PLAZA HOME MORTGAGE, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 15.8%
    PLAZA HOME MORTGAGE, INC. Conventional home mortgage Closing on a mortgage 1 5.3%
    PLAZA HOME MORTGAGE, INC. Conventional home mortgage Struggling to pay mortgage 1 5.3%
    PLAZA HOME MORTGAGE, INC. Conventional home mortgage Trouble during payment process 4 21.1%
    PLAZA HOME MORTGAGE, INC. FHA mortgage Struggling to pay mortgage 2 10.5%
    PLAZA HOME MORTGAGE, INC. FHA mortgage Trouble during payment process 2 10.5%
    PLAZA HOME MORTGAGE, INC. Other type of mortgage Struggling to pay mortgage 1 5.3%
    PLAZA HOME MORTGAGE, INC. Other type of mortgage Trouble during payment process 1 5.3%
    PLAZA HOME MORTGAGE, INC. VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 10.5%
    PLAZA HOME MORTGAGE, INC. VA mortgage Closing on a mortgage 1 5.3%
    PLAZA HOME MORTGAGE, INC. VA mortgage Trouble during payment process 1 5.3%