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 loans. Peoples Bank & Trust Co. has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Sedalia, Columbia, Mexico, and Jefferson City 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.
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Originations
152Origination Dollar Volume (All Markets)
$28,900,000Top 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) | 110 | $18,940,000 | $172,182 | $0 | 0.00% |
| Outside of Metro Areas | 31 | $3,955,000 | $127,581 | $0 | 0.00% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $2,305,000 | $2,305,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 3 | $1,535,000 | $511,667 | $0 | 0.00% |
| Mexico, MO (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 0.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $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 | 152 | $28,900,000 | $190,132 | $0 | 0.00% |
For 2024, Peoples Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 152 originations.
Loan Reason
For 2024, Peoples Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 89 originations. The 2nd most popular reason was Refi, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 152 | $28,900,000 | $190,132 | $0 | 0.00% |
For 2024, Peoples Bank & Trust Co.'s most frequently cited loan duration was Other, with 152 originations.
Loan Sizing
2024 saw Peoples Bank & Trust Co. place emphasis on $100,000 or less loans with 60 originations, totaling $3,320,000 in origination value.
Applicant Income
Peoples Bank & Trust Co. lent most frequently to those with incomes in the $100k-150k range, with 28 originations. The second most popular income band? $75k-100k, with 27 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 152 | $28,900,000 | $190,132 | $0 | 0.00% |
Peoples Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 152 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.68%
Peoples Bank & Trust Co. has an average approval rate.
Pick Rate
Approvals leading to origination84.87%
Peoples Bank & Trust Co. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 152 | $28,900,000 | $190,132 |