First Missouri State Bank Of Cape County Mortgage Rates, Fees & Info
Cape Girardeau, MOLEI: 549300EHOXTFKJXVWZ10
Tax ID: 20-4402815
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Mortgage Data
Review & Overview
First Missouri State Bank Of Cape County is a smaller bank specializing in Home Purchase and Refi loans. First Missouri State Bank Of Cape County has a high proportion of conventional loans. Their top markets by origination volume include: Cape Girardeau, Sikeston, St. Louis, Auburn, and Poplar Bluff among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)First Missouri State Bank Of Cape County has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
111Origination Dollar Volume (All Markets)
$21,905,000Top 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 |
|---|---|---|---|---|---|
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 91 | $18,355,000 | $201,703 | $0 | 0.00% |
| Sikeston, MO (FHA|USDA|VA) | 8 | $1,350,000 | $168,750 | $0 | 0.00% |
| Outside of Metro Areas | 6 | $860,000 | $143,333 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 0.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Kennett, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against First Missouri State Bank of Cape County based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 111 | $21,905,000 | $197,342 | $0 | 0.00% |
For 2019, First Missouri State Bank Of Cape County's most frequently originated type of loan was Conventional, with 111 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 62 | $10,190,000 | $164,355 | $0 | 0.00% |
| Refi | 33 | $8,375,000 | $253,788 | $0 | 0.00% |
| Cash Out Refi | 16 | $3,340,000 | $208,750 | $0 | 0.00% |
For 2019, First Missouri State Bank Of Cape County's most frequently cited loan purpose was Home Purchase, with 62 originations. The 2nd most popular reason was Refi, with 33 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 111 | $21,905,000 | $197,342 | $0 | 0.00% |
For 2019, First Missouri State Bank Of Cape County's most frequently cited loan duration was Other, with 111 originations.
Loan Sizing
2019 saw First Missouri State Bank Of Cape County place emphasis on $100k-200k loans with 52 originations, totaling $7,500,000 in origination value.
Applicant Income
First Missouri State Bank Of Cape County lent most frequently to those with incomes in the $50k or less range, with 26 originations. The second most popular income band? $75k-100k, with 22 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 111 | $21,905,000 | $197,342 | $0 | 0.00% |
First Missouri State Bank Of Cape County lent most frequently to those with DTI ratios of Exempt%, with 111 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.35%
First Missouri State Bank Of Cape 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 origination92.79%
First Missouri State Bank Of Cape County has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 111 | $21,905,000 | $197,342 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Trouble during payment process | 3 | 50.0% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Closing on a mortgage | 2 | 33.3% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Struggling to pay mortgage | 1 | 16.7% |