Peoples Bank Of Moniteau County Mortgage Rates, Fees & Info

Jamestown, MO

LEI: 2549004VOV9Z4QJDLG33

Tax ID: 44-0387841

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

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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

    Peoples Bank Of Moniteau County is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Peoples Bank Of Moniteau County has a high proportion of conventional loans. Their top two markets are Jefferson City and Columbia .

    Peoples Bank Of Moniteau County has an average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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    Originations

    28

    Origination Dollar Volume (All Markets)

    $2,110,000

    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
    JEFFERSON CITY, MO (FHA|USDA|VA) 24 $1,740,000 $72,500 $0 0.00%
    COLUMBIA, MO (FHA|USDA|VA) 2 $220,000 $110,000 $0 0.00%
    Outside of Metro Areas 2 $150,000 $75,000 $0 0.00%
    Peoples Bank Of Moniteau County's top markets include Jefferson City and Columbia among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 28 $2,110,000 $75,357 $0 0.00%

    For 2018, Peoples Bank Of Moniteau County's most frequently originated type of loan was Conventional, with 28 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 14 $1,220,000 $87,143 $0 0.00%
    Cash Out Refi 7 $505,000 $72,143 $0 0.00%
    Home Improvement 6 $230,000 $38,333 $0 0.00%
    Refi 1 $155,000 $155,000 $0 0.00%

    For 2018, Peoples Bank Of Moniteau County's most frequently cited loan purpose was Home Purchase, with 14 originations. The 2nd most popular reason was Cash Out Refi, with 7 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 28 $2,110,000 $75,357 $0 0.00%

    For 2018, Peoples Bank Of Moniteau County's most frequently cited loan duration was Other, with 28 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 19 $855,000 $45,000 $0 0.00%
    $100k-200k 9 $1,255,000 $139,444 $0 0.00%

    2018 saw Peoples Bank Of Moniteau County place emphasis on $100,000 or less loans with 19 originations, totaling $855,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 15 $1,155,000 $77,000 $0 0.00%
    $50k or less 8 $550,000 $68,750 $0 0.00%
    $150k-250k 2 $310,000 $155,000 $0 0.00%
    $75k-100k 2 $40,000 $20,000 $0 0.00%
    $250k+ 1 $55,000 $55,000 $0 0.00%

    Peoples Bank Of Moniteau County lent most frequently to those with incomes in the $50k-75k range, with 15 originations. The second most popular income band? $50k or less, with 8 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 28 $2,110,000 $75,357 $0 0.00%

    Peoples Bank Of Moniteau County lent most frequently to those with DTI ratios of Exempt%, with 28 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 28 $2,110,000 $75,357 $0 0.00%

    Approval Rates

    Total approvals of all applications
    87.88%

    Peoples Bank Of Moniteau County has an average approval rate.

    Pick Rate

    Approvals leading to origination
    96.43%

    Peoples Bank Of Moniteau County has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 28 $2,110,000 $75,357

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 6 $340,000 $56,667
    Single Family (1-4 Units):Site-Built 22 $1,770,000 $80,455

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Closing on a mortgage 2 40.0%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 2 40.0%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Closing on a mortgage 1 20.0%