Peoples Bank & Trust Company Of Pointe Coupee Parish Inc Mortgage Rates, Fees & Info

New Roads, LA

LEI: 254900DIGH8B5QJNCC06

Tax ID: 72-0875048

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

Review & Overview

Peoples Bank & Trust Company Of Pointe Coupee Parish Inc is a smaller bank specializing in Refi and Home Purchase loans. Peoples Bank & Trust Company Of Pointe Coupee Parish Inc has a high proportion of conventional loans. Their top markets by origination volume include: Baton Rouge, New Orleans, Hammond, Houma, and Hutchinson among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

Peoples Bank & Trust Company Of Pointe Coupee Parish Inc 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

100

Origination Dollar Volume (All Markets)

$14,130,000

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
BATON ROUGE, LA (FHA\|USDA\|VA)	93	$12,925,000	$138,978	$0	0.00%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	2	$630,000	$315,000	$0	0.00%
HAMMOND, LA (FHA\|USDA\|VA)	2	$380,000	$190,000	$0	0.00%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	0.00%
Hutchinson, KS (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	0.00%
LAFAYETTE, LA (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	0.00%

Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's top markets include Baton Rouge, New Orleans, Hammond, Houma, and Hutchinson among others.

Their top states include:

Louisiana (FHA|USDA|VA)

Kansas (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	100	$14,130,000	$141,300	$0	0.00%

For 2023, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently originated type of loan was Conventional, with 100 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	51	$6,335,000	$124,216	$0	0.00%
Home Purchase	43	$7,235,000	$168,256	$0	0.00%
Home Improvement	3	$195,000	$65,000	$0	0.00%
Other	3	$365,000	$121,667	$0	0.00%

For 2023, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently cited loan purpose was Refi, with 51 originations. The 2nd most popular reason was Home Purchase, with 43 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	100	$14,130,000	$141,300	$0	0.00%

For 2023, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently cited loan duration was Other, with 100 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	40	$5,370,000	$134,250	$0	0.00%
$100,000 or less	34	$1,730,000	$50,882	$0	0.00%
$200k-400k	23	$5,585,000	$242,826	$0	0.00%
$400k-600k	3	$1,445,000	$481,667	$0	0.00%

2023 saw Peoples Bank & Trust Company Of Pointe Coupee Parish Inc place emphasis on $100k-200k loans with 40 originations, totaling $5,370,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	8	$900,000	$112,500	$0	0.00%
$150k-250k	7	$1,665,000	$237,857	$0	0.00%
$75k-100k	7	$945,000	$135,000	$0	0.00%
$50k or less	6	$220,000	$36,667	$0	0.00%
$50k-75k	3	$465,000	$155,000	$0	0.00%
$250k+	2	$230,000	$115,000	$0	0.00%

Peoples Bank & Trust Company Of Pointe Coupee Parish Inc lent most frequently to those with incomes in the $100k-150k range, with 8 originations. The second most popular income band? $150k-250k, with 7 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	100	$14,130,000	$141,300	$0	0.00%

Peoples Bank & Trust Company Of Pointe Coupee Parish Inc lent most frequently to those with DTI ratios of Exempt%, with 100 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
Not applicable	67	$9,705,000	$144,851	$0	0.00%
White	33	$4,425,000	$134,091	$0	0.00%

Approval Rates

Total approvals of all applications
93.89%

Peoples Bank & Trust Company Of Pointe Coupee Parish Inc has an average approval rate.

Pick Rate

Approvals leading to origination
78.00%

Peoples Bank & Trust Company Of Pointe Coupee Parish Inc has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	100	$14,130,000	$141,300

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	100	$14,130,000	$141,300