Bank Of Calhoun County Mortgage Rates, Fees & Info
H, ILLEI: 5493007BMZRJFTKKNV74
Tax ID: 37-0165390
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Mortgage Data
Review & Overview
Bank Of Calhoun County is a smaller bank specializing in Cash Out Refi and Home Purchase loans. Bank Of Calhoun County has a high proportion of conventional loans. Their top (well, only) market is St. Louis.Bank Of Calhoun County has an above average approval rate when compared to the average across all lenders.
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Originations
43Origination Dollar Volume (All Markets)
$4,045,000Top 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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 38 | $3,730,000 | $98,158 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $315,000 | $63,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 43 | $4,045,000 | $94,070 | $0 | 0.00% |
For 2018, Bank Of Calhoun County's most frequently originated type of loan was Conventional, with 43 originations.
Loan Reason
For 2018, Bank Of Calhoun County's most frequently cited loan purpose was Cash Out Refi, with 20 originations. The 2nd most popular reason was Home Purchase, with 17 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 43 | $4,045,000 | $94,070 | $0 | 0.00% |
For 2018, Bank Of Calhoun County's most frequently cited loan duration was Other, with 43 originations.
Loan Sizing
2018 saw Bank Of Calhoun County place emphasis on $100,000 or less loans with 27 originations, totaling $985,000 in origination value.
Applicant Income
Bank Of Calhoun County lent most frequently to those with incomes in the $75k-100k range, with 14 originations. The second most popular income band? $100k-150k, with 9 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 43 | $4,045,000 | $94,070 | $0 | 0.00% |
Bank Of Calhoun County lent most frequently to those with DTI ratios of Exempt%, with 43 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.73%
Bank Of Calhoun County has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 43 | $4,045,000 | $94,070 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 5 | $255,000 | $51,000 |
| Single Family (1-4 Units):Site-Built | 38 | $3,790,000 | $99,737 |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANK OF THE WEST | FHA mortgage | Closing on a mortgage | 1 | 3.7% |
| BANK OF THE WEST | Conventional home mortgage | Trouble during payment process | 1 | 3.7% |
| BANK OF THE WEST | Conventional home mortgage | Struggling to pay mortgage | 1 | 3.7% |
| BANK OF THE WEST | Conventional home mortgage | Closing on a mortgage | 2 | 7.4% |
| BANK OF THE WEST | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 14.8% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 3.7% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 2 | 7.4% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 3.7% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 4 | 14.8% |
| BANK OF THE WEST | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 3.7% |
| BANK OF THE WEST | Other type of mortgage | Trouble during payment process | 3 | 11.1% |
| BANK OF THE WEST | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 3.7% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Trouble during payment process | 5 | 18.5% |