Plaquemine Bank And Trust Company Mortgage Rates, Fees & Info

Plaquemine, LA

LEI: 2549003E1YOW83GR2Q12

Tax ID: 72-0647414

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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 (well, only) market is Baton Rouge.

    Plaquemine Bank And Trust Company has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

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    Originations

    41

    Origination Dollar Volume (All Markets)

    $4,825,000

    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) 41 $4,825,000 $117,683 $0 0.00%
    Plaquemine Bank And Trust Company's top markets include and Baton Rouge among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 41 $4,825,000 $117,683 $0 0.00%

    For 2019, Plaquemine Bank And Trust Company's most frequently originated type of loan was Conventional, with 41 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 18 $3,320,000 $184,444 $0 0.00%
    Refi 18 $1,330,000 $73,889 $0 0.00%
    Home Improvement 3 $125,000 $41,667 $0 0.00%
    Other 2 $50,000 $25,000 $0 0.00%

    For 2019, Plaquemine Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 18 originations. The 2nd most popular reason was Refi, with 18 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 41 $4,825,000 $117,683 $0 0.00%

    For 2019, Plaquemine Bank And Trust Company's most frequently cited loan duration was Other, with 41 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 25 $1,145,000 $45,800 $0 0.00%
    $200k-400k 8 $2,000,000 $250,000 $0 0.00%
    $100k-200k 7 $1,025,000 $146,429 $0 0.00%
    $600k-1MM 1 $655,000 $655,000 $0 0.00%

    2019 saw Plaquemine Bank And Trust Company place emphasis on $100,000 or less loans with 25 originations, totaling $1,145,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 11 $1,365,000 $124,091 $0 0.00%
    $150k-250k 7 $625,000 $89,286 $0 0.00%
    $50k or less 6 $270,000 $45,000 $0 0.00%
    $50k-75k 3 $105,000 $35,000 $0 0.00%
    $75k-100k 3 $365,000 $121,667 $0 0.00%
    $250k+ 2 $550,000 $275,000 $0 0.00%

    Plaquemine Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 11 originations. The second most popular income band? $150k-250k, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 41 $4,825,000 $117,683 $0 0.00%

    Plaquemine Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 41 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 29 $3,185,000 $109,828 $0 0.00%
    Not applicable 5 $1,245,000 $249,000 $0 0.00%
    Black 7 $395,000 $56,429 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.80%

    Plaquemine Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    92.68%

    Plaquemine Bank And Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 41 $4,825,000 $117,683

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 6 $240,000 $40,000
    Single Family (1-4 Units):Site-Built 35 $4,585,000 $131,000

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    PLAZA HOME MORTGAGE, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 4.0%
    PLAZA HOME MORTGAGE, INC. Conventional home mortgage Struggling to pay mortgage 1 4.0%
    PLAZA HOME MORTGAGE, INC. Conventional home mortgage Trouble during payment process 5 20.0%
    PLAZA HOME MORTGAGE, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 4.0%
    PLAZA HOME MORTGAGE, INC. FHA mortgage Closing on a mortgage 4 16.0%
    PLAZA HOME MORTGAGE, INC. FHA mortgage Problem with a credit reporting company's investigation into an existing problem 1 4.0%
    PLAZA HOME MORTGAGE, INC. FHA mortgage Struggling to pay mortgage 2 8.0%
    PLAZA HOME MORTGAGE, INC. FHA mortgage Trouble during payment process 4 16.0%
    PLAZA HOME MORTGAGE, INC. Other type of mortgage Closing on a mortgage 2 8.0%
    PLAZA HOME MORTGAGE, INC. Reverse mortgage Struggling to pay mortgage 1 4.0%
    PLAZA HOME MORTGAGE, INC. VA mortgage Incorrect information on your report 1 4.0%
    PLAZA HOME MORTGAGE, INC. VA mortgage Trouble during payment process 2 8.0%