Peoples Trust Company Of St. Albans Mortgage Rates, Fees & Info
St. Albans, VTLEI: 5493006WZJUEUK1TVM53
Tax ID: 03-0148320
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
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 above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
163Origination Dollar Volume (All Markets)
$33,035,000Top 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) | 161 | $32,695,000 | $203,075 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $340,000 | $170,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 161 | $32,685,000 | $203,012 | $0 | 0.00% |
| USDA | 2 | $350,000 | $175,000 | $0 | 0.00% |
For 2022, Peoples Trust Company Of St. Albans's most frequently originated type of loan was Conventional, with 161 originations. Their 2nd most popular type was USDA, with 2 originations.
Loan Reason
For 2022, Peoples Trust Company Of St. Albans's most frequently cited loan purpose was Home Purchase, with 80 originations. The 2nd most popular reason was Cash Out Refi, with 24 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 163 | $33,035,000 | $202,669 | $0 | 0.00% |
For 2022, Peoples Trust Company Of St. Albans's most frequently cited loan duration was Other, with 163 originations.
Loan Sizing
2022 saw Peoples Trust Company Of St. Albans place emphasis on $200k-400k loans with 70 originations, totaling $19,640,000 in origination value.
Applicant Income
Peoples Trust Company Of St. Albans lent most frequently to those with incomes in the $75k-100k range, with 45 originations. The second most popular income band? $50k-75k, with 31 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 163 | $33,035,000 | $202,669 | $0 | 0.00% |
Peoples Trust Company Of St. Albans lent most frequently to those with DTI ratios of Exempt%, with 163 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.05%
Peoples Trust Company Of St. Albans has an average approval rate.
Pick Rate
Approvals leading to origination85.28%
Peoples Trust Company Of St. Albans has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 163 | $33,035,000 | $202,669 |