Bank Of Calhoun County Mortgage Rates, Fees & Info

H, IL

LEI: 5493007BMZRJFTKKNV74

Tax ID: 37-0165390

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

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Bank Of Calhoun County is a smaller bank specializing in Home Purchase and Refi 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

    44

    Origination Dollar Volume (All Markets)

    $4,830,000

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 37 $4,005,000 $108,243 $0 0.00%
    Outside of Metro Areas 7 $825,000 $117,857 $0 0.00%
    Bank Of Calhoun County's top markets include and St. Louis among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 44 $4,830,000 $109,773 $0 0.00%

    For 2019, Bank Of Calhoun County's most frequently originated type of loan was Conventional, with 44 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 27 $2,775,000 $102,778 $0 0.00%
    Refi 10 $1,450,000 $145,000 $0 0.00%
    Other 4 $510,000 $127,500 $0 0.00%
    Home Improvement 3 $95,000 $31,667 $0 0.00%

    For 2019, Bank Of Calhoun County's most frequently cited loan purpose was Home Purchase, with 27 originations. The 2nd most popular reason was Refi, with 10 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 44 $4,830,000 $109,773 $0 0.00%

    For 2019, Bank Of Calhoun County's most frequently cited loan duration was Other, with 44 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 25 $1,435,000 $57,400 $0 0.00%
    $100k-200k 12 $1,690,000 $140,833 $0 0.00%
    $200k-400k 7 $1,705,000 $243,571 $0 0.00%

    2019 saw Bank Of Calhoun County place emphasis on $100,000 or less loans with 25 originations, totaling $1,435,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 12 $860,000 $71,667 $0 0.00%
    $100k-150k 11 $1,585,000 $144,091 $0 0.00%
    $75k-100k 8 $1,010,000 $126,250 $0 0.00%
    $50k or less 7 $595,000 $85,000 $0 0.00%
    $150k-250k 6 $780,000 $130,000 $0 0.00%

    Bank Of Calhoun County lent most frequently to those with incomes in the $50k-75k range, with 12 originations. The second most popular income band? $100k-150k, with 11 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 44 $4,830,000 $109,773 $0 0.00%

    Bank Of Calhoun County lent most frequently to those with DTI ratios of Exempt%, with 44 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 44 $4,830,000 $109,773 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    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 origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 44 $4,830,000 $109,773

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $275,000 $275,000
    Single Family (1-4 Units):Manufactured 4 $350,000 $87,500
    Single Family (1-4 Units):Site-Built 39 $4,205,000 $107,821

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 7.1%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 1 7.1%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 2 14.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 42.9%