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 Home Purchase and Refi 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, Opelousas, Hammond, and Lafayette 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

187

Origination Dollar Volume (All Markets)

$30,975,000

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)	176	$26,390,000	$149,943	$0	0.00%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$2,175,000	$2,175,000	$0	0.00%
Opelousas, LA (FHA\|USDA\|VA)	2	$920,000	$460,000	$0	0.00%
HAMMOND, LA (FHA\|USDA\|VA)	5	$785,000	$157,000	$0	0.00%
Outside of Metro Areas	2	$600,000	$300,000	$0	0.00%
LAFAYETTE, LA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	0.00%

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

Their top states include:

Louisiana (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	187	$30,975,000	$165,642	$0	0.00%

For 2022, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently originated type of loan was Conventional, with 187 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	105	$17,105,000	$162,905	$0	0.00%
Refi	61	$11,855,000	$194,344	$0	0.00%
Home Improvement	11	$1,325,000	$120,455	$0	0.00%
Other	10	$690,000	$69,000	$0	0.00%

For 2022, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently cited loan purpose was Home Purchase, with 105 originations. The 2nd most popular reason was Refi, with 61 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	187	$30,975,000	$165,642	$0	0.00%

For 2022, Peoples Bank & Trust Company Of Pointe Coupee Parish Inc's most frequently cited loan duration was Other, with 187 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	73	$4,155,000	$56,918	$0	0.00%
$100k-200k	70	$10,200,000	$145,714	$0	0.00%
$200k-400k	36	$9,530,000	$264,722	$0	0.00%
$400k-600k	4	$1,980,000	$495,000	$0	0.00%
$1MM+	2	$3,580,000	$1,790,000	$0	0.00%
$600k-1MM	2	$1,530,000	$765,000	$0	0.00%

2022 saw Peoples Bank & Trust Company Of Pointe Coupee Parish Inc place emphasis on $100,000 or less loans with 73 originations, totaling $4,155,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	18	$2,510,000	$139,444	$0	0.00%
$50k-75k	16	$1,510,000	$94,375	$0	0.00%
$50k or less	14	$730,000	$52,143	$0	0.00%
$150k-250k	13	$2,015,000	$155,000	$0	0.00%
$75k-100k	9	$745,000	$82,778	$0	0.00%
$250k+	4	$910,000	$227,500	$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 18 originations. The second most popular income band? $50k-75k, with 16 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	187	$30,975,000	$165,642	$0	0.00%

Peoples Bank & Trust Company Of Pointe Coupee Parish Inc lent most frequently to those with DTI ratios of Exempt%, with 187 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
Not applicable	111	$22,435,000	$202,117	$0	0.00%
White	57	$6,735,000	$118,158	$0	0.00%
Black	16	$1,240,000	$77,500	$0	0.00%
Not provided	2	$330,000	$165,000	$0	0.00%
American Indian	1	$235,000	$235,000	$0	0.00%

Approval Rates

Total approvals of all applications
91.16%

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

Pick Rate

Approvals leading to origination
80.21%

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	187	$30,975,000	$165,642

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	187	$30,975,000	$165,642