Peoples Bank & Trust Co. Mortgage Rates, Fees & Info
Troy, MOLEI: 254900605M87QWWATV97
Tax ID: 43-0453380
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
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.
Similarity Rank: 96
Similarity Rank: 286
Similarity Rank: 323
Similarity Rank: 336
Similarity Rank: 340
Similarity Rank: 360
Similarity Rank: 371
Similarity Rank: 459
Similarity Rank: 520
Similarity Rank: 573
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 |