Bank Of St. Francisville Mortgage Rates, Fees & Info
St. Francisville, LALEI: 549300KPBBGW1ZTEPR29
Tax ID: 72-0838755
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Bank Of St. Francisville is a smaller bank specializing in Home Purchase and Refi loans. Bank Of St. Francisville has a high proportion of conventional loans. Their top markets by origination volume include: Baton Rouge, New Orleans, Bogalusa, and Gulfport among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Bank Of St. Francisville 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
114Origination Dollar Volume (All Markets)
$32,830,000Top 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 |
|---|---|---|---|---|---|
| BATON ROUGE, LA (FHA|USDA|VA) | 108 | $31,200,000 | $288,889 | $0 | 0.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $0 | 0.00% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 114 | $32,830,000 | $287,982 | $0 | 0.00% |
For 2023, Bank Of St. Francisville's most frequently originated type of loan was Conventional, with 114 originations.
Loan Reason
For 2023, Bank Of St. Francisville's most frequently cited loan purpose was Home Purchase, with 74 originations. The 2nd most popular reason was Refi, with 27 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 114 | $32,830,000 | $287,982 | $0 | 0.00% |
For 2023, Bank Of St. Francisville's most frequently cited loan duration was Other, with 114 originations.
Loan Sizing
2023 saw Bank Of St. Francisville place emphasis on $100,000 or less loans with 33 originations, totaling $1,435,000 in origination value.
Applicant Income
Bank Of St. Francisville lent most frequently to those with incomes in the $250k+ range, with 20 originations. The second most popular income band? $150k-250k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 114 | $32,830,000 | $287,982 | $0 | 0.00% |
Bank Of St. Francisville lent most frequently to those with DTI ratios of Exempt%, with 114 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.29%
Bank Of St. Francisville has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination99.12%
Bank Of St. Francisville has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 114 | $32,830,000 | $287,982 |