Feliciana Bank & Trust Company Mortgage Rates, Fees & Info

Clinton, LA

LEI: 5493006PPKT0LNNVOC35

Tax ID: 72-0124990

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