Peoples Bank & Trust Co. Mortgage Rates, Fees & Info
Troy, MOLEI: 254900605M87QWWATV97
Tax ID: 43-0453380
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Mortgage Data
Review & Overview
Peoples Bank & Trust Co. is a smaller bank specializing in Home Purchase and Refi loans. Peoples Bank & Trust Co. has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Kansas City, Jefferson City, Kirksville, and Branson among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Peoples Bank & Trust Co. 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.24% | 11/17/24 |
| 30 Year Conventional Refi | 6.42% | 11/17/24 |
| 30 Year Cash-out Refi | 6.51% | 11/17/24 |
| 15 Year Conventional Purchase | 6.83% | 11/17/24 |
| 15 Year Conventional Refi | 6.12% | 11/17/24 |
| 15 Year Cash-out Refi | 6.12% | 11/17/24 |
| 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. | ||
Peoples Bank & Trust Co. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
137Origination Dollar Volume (All Markets)
$29,005,000Top 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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 108 | $22,550,000 | $208,796 | $0 | 0.00% |
| Outside of Metro Areas | 20 | $4,960,000 | $248,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Mexico, MO (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 0.00% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against PEOPLES BANK & TRUST CO. 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 | 137 | $29,005,000 | $211,715 | $0 | 0.00% |
For 2023, Peoples Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 137 originations.
Loan Reason
For 2023, Peoples Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 59 originations. The 2nd most popular reason was Refi, with 41 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 137 | $29,005,000 | $211,715 | $0 | 0.00% |
For 2023, Peoples Bank & Trust Co.'s most frequently cited loan duration was Other, with 137 originations.
Loan Sizing
2023 saw Peoples Bank & Trust Co. place emphasis on $100,000 or less loans with 62 originations, totaling $3,250,000 in origination value.
Applicant Income
Peoples Bank & Trust Co. lent most frequently to those with incomes in the $100k-150k range, with 26 originations. The second most popular income band? $50k-75k, with 19 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 137 | $29,005,000 | $211,715 | $0 | 0.00% |
Peoples Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 137 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.89%
Peoples Bank & Trust Co. has an average approval rate.
Pick Rate
Approvals leading to origination81.75%
Peoples Bank & Trust Co. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 137 | $29,005,000 | $211,715 |