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 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.

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    Originations

    26

    Origination Dollar Volume (All Markets)

    $2,520,000

    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) 21 $2,005,000 $95,476 $0 0.00%
    COLUMBIA, MO (FHA|USDA|VA) 5 $515,000 $103,000 $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 26 $2,520,000 $96,923 $0 0.00%

    For 2019, Peoples Bank Of Moniteau County's most frequently originated type of loan was Conventional, with 26 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 15 $1,425,000 $95,000 $0 0.00%
    Home Improvement 6 $330,000 $55,000 $0 0.00%
    Cash Out Refi 3 $305,000 $101,667 $0 0.00%
    Refi 2 $460,000 $230,000 $0 0.00%

    For 2019, Peoples Bank Of Moniteau County's most frequently cited loan purpose was Home Purchase, with 15 originations. The 2nd most popular reason was Home Improvement, with 6 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 26 $2,520,000 $96,923 $0 0.00%

    For 2019, Peoples Bank Of Moniteau County's most frequently cited loan duration was Other, with 26 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 16 $980,000 $61,250 $0 0.00%
    $100k-200k 8 $1,000,000 $125,000 $0 0.00%
    $200k-400k 2 $540,000 $270,000 $0 0.00%

    2019 saw Peoples Bank Of Moniteau County place emphasis on $100,000 or less loans with 16 originations, totaling $980,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 15 $1,385,000 $92,333 $0 0.00%
    $50k-75k 7 $775,000 $110,714 $0 0.00%
    $100k-150k 1 $95,000 $95,000 $0 0.00%
    $75k-100k 1 $155,000 $155,000 $0 0.00%

    Peoples Bank Of Moniteau County lent most frequently to those with incomes in the $50k or less range, with 15 originations. The second most popular income band? $50k-75k, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 26 $2,520,000 $96,923 $0 0.00%

    Peoples Bank Of Moniteau County lent most frequently to those with DTI ratios of Exempt%, with 26 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 24 $2,410,000 $100,417 $0 0.00%
    Not applicable 2 $110,000 $55,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.66%

    Peoples Bank Of Moniteau County has an average approval rate.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 26 $2,520,000 $96,923

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $125,000 $125,000
    Single Family (1-4 Units):Manufactured 1 $115,000 $115,000
    Single Family (1-4 Units):Site-Built 24 $2,280,000 $95,000

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 3 21.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 4 28.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Closing on a mortgage 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 14.3%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Trouble during payment process 2 14.3%