Feliciana Bank & Trust Company Mortgage Rates, Fees & Info

Clinton, LA

LEI: 5493006PPKT0LNNVOC35

Tax ID: 72-0124990

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Mortgage Data

Review & Overview

Feliciana Bank & Trust Company is a smaller bank specializing in Refi and Home Purchase loans. Feliciana Bank & Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Baton Rouge, Crestview, Hammond, Natchez, and Gulfport among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)

Feliciana Bank & Trust Company 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

106

Origination Dollar Volume (All Markets)

$15,270,000

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) 97 $13,355,000 $137,680 $0 0.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $965,000 $965,000 $0 0.00%
HAMMOND, LA (FHA|USDA|VA) 2 $270,000 $135,000 $0 0.00%
Outside of Metro Areas 1 $245,000 $245,000 $0 0.00%
Natchez, MS-LA (FHA|USDA|VA) 2 $160,000 $80,000 $0 0.00%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
LAFAYETTE, LA (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
Feliciana Bank & Trust Company's top markets include Baton Rouge, Crestview, Hammond, Natchez, and Gulfport among others.

Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 106 $15,270,000 $144,057 $0 0.00%

    For 2023, Feliciana Bank & Trust Company's most frequently originated type of loan was Conventional, with 106 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 61 $6,665,000 $109,262 $0 0.00%
    Home Purchase 40 $8,180,000 $204,500 $0 0.00%
    Other 3 $315,000 $105,000 $0 0.00%
    Home Improvement 2 $110,000 $55,000 $0 0.00%

    For 2023, Feliciana Bank & Trust Company's most frequently cited loan purpose was Refi, with 61 originations. The 2nd most popular reason was Home Purchase, with 40 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 106 $15,270,000 $144,057 $0 0.00%

    For 2023, Feliciana Bank & Trust Company's most frequently cited loan duration was Other, with 106 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 49 $2,705,000 $55,204 $0 0.00%
    $100k-200k 38 $5,510,000 $145,000 $0 0.00%
    $200k-400k 14 $3,790,000 $270,714 $0 0.00%
    $400k-600k 3 $1,395,000 $465,000 $0 0.00%
    $600k-1MM 2 $1,870,000 $935,000 $0 0.00%

    2023 saw Feliciana Bank & Trust Company place emphasis on $100,000 or less loans with 49 originations, totaling $2,705,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 22 $1,620,000 $73,636 $0 0.00%
    $100k-150k 13 $1,585,000 $121,923 $0 0.00%
    $50k-75k 12 $1,490,000 $124,167 $0 0.00%
    $150k-250k 11 $2,055,000 $186,818 $0 0.00%
    $75k-100k 9 $1,065,000 $118,333 $0 0.00%
    $250k+ 3 $545,000 $181,667 $0 0.00%

    Feliciana Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 22 originations. The second most popular income band? $100k-150k, with 13 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 106 $15,270,000 $144,057 $0 0.00%

    Feliciana Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 106 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 36 $6,910,000 $191,944 $0 0.00%
    White 50 $6,660,000 $133,200 $0 0.00%
    Black 20 $1,700,000 $85,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.20%

    Feliciana Bank & Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    87.74%

    Feliciana Bank & Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 106 $15,270,000 $144,057

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    106 $15,270,000 $144,057