Peoples Trust Company Of St. Albans Mortgage Rates, Fees & Info
St. Albans, VTLEI: 5493006WZJUEUK1TVM53
Tax ID: 03-0148320
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Mortgage Data
Review & Overview
Peoples Trust Company Of St. Albans is a smaller mortgage company specializing in Home Purchase loans. Peoples Trust Company Of St. Albans has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top (well, only) market is Burlington.Peoples Trust Company Of St. Albans has an 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
152Origination Dollar Volume (All Markets)
$34,400,000Top 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 |
|---|---|---|---|---|---|
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 143 | $31,925,000 | $223,252 | $0 | 0.00% |
| Outside of Metro Areas | 9 | $2,475,000 | $275,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 150 | $33,830,000 | $225,533 | $0 | 0.00% |
| USDA | 2 | $570,000 | $285,000 | $0 | 0.00% |
For 2024, Peoples Trust Company Of St. Albans's most frequently originated type of loan was Conventional, with 150 originations. Their 2nd most popular type was USDA, with 2 originations.
Loan Reason
For 2024, Peoples Trust Company Of St. Albans's most frequently cited loan purpose was Home Purchase, with 81 originations. The 2nd most popular reason was Other, with 28 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 152 | $34,400,000 | $226,316 | $0 | 0.00% |
For 2024, Peoples Trust Company Of St. Albans's most frequently cited loan duration was Other, with 152 originations.
Loan Sizing
2024 saw Peoples Trust Company Of St. Albans place emphasis on $200k-400k loans with 57 originations, totaling $16,805,000 in origination value.
Applicant Income
Peoples Trust Company Of St. Albans lent most frequently to those with incomes in the $100k-150k range, with 37 originations. The second most popular income band? $150k-250k, with 25 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 152 | $34,400,000 | $226,316 | $0 | 0.00% |
Peoples Trust Company Of St. Albans lent most frequently to those with DTI ratios of Exempt%, with 152 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.50%
Peoples Trust Company Of St. Albans has an average approval rate.
Pick Rate
Approvals leading to origination87.50%
Peoples Trust Company Of St. Albans has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 152 | $34,400,000 | $226,316 |