Bank Of St. Francisville Mortgage Rates, Fees & Info

St. Francisville, LA

LEI: 549300KPBBGW1ZTEPR29

Tax ID: 72-0838755

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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

114

Origination Dollar Volume (All Markets)

$32,830,000

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
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%
Bank Of St. Francisville's top markets include Baton Rouge, New Orleans, Bogalusa, and Gulfport among others.

Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 74 $19,170,000 $259,054 $0 0.00%
    Refi 27 $9,815,000 $363,519 $0 0.00%
    Home Improvement 9 $3,255,000 $361,667 $0 0.00%
    Other 4 $590,000 $147,500 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 33 $1,435,000 $43,485 $0 0.00%
    $100k-200k 32 $4,820,000 $150,625 $0 0.00%
    $200k-400k 30 $8,330,000 $277,667 $0 0.00%
    $400k-600k 9 $4,195,000 $466,111 $0 0.00%
    $1MM+ 5 $10,505,000 $2,101,000 $0 0.00%
    $600k-1MM 5 $3,545,000 $709,000 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 20 $11,500,000 $575,000 $0 0.00%
    $150k-250k 18 $4,880,000 $271,111 $0 0.00%
    $100k-150k 13 $2,315,000 $178,077 $0 0.00%
    $50k-75k 13 $1,615,000 $124,231 $0 0.00%
    $75k-100k 12 $1,640,000 $136,667 $0 0.00%
    $50k or less 11 $855,000 $77,727 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 77 $19,965,000 $259,286 $0 0.00%
    Not applicable 21 $9,155,000 $435,952 $0 0.00%
    Black 6 $2,030,000 $338,333 $0 0.00%
    Not provided 9 $1,605,000 $178,333 $0 0.00%
    American Indian 1 $75,000 $75,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.29%

    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 origination
    99.12%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    114 $32,830,000 $287,982