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 Refi loans. Bank Of St. Francisville has a high proportion of conventional loans. Their top (well, only) market is Baton Rouge.

Bank Of St. Francisville has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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Originations

37

Origination Dollar Volume (All Markets)

$11,575,000

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) 35 $11,005,000 $314,429 $0 0.00%
Outside of Metro Areas 2 $570,000 $285,000 $0 0.00%
Bank Of St. Francisville's top markets include and Baton Rouge 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 37 $11,575,000 $312,838 $0 0.00%

    For 2018, Bank Of St. Francisville's most frequently originated type of loan was Conventional, with 37 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 21 $9,115,000 $434,048 $0 0.00%
    Home Purchase 13 $2,305,000 $177,308 $0 0.00%
    Home Improvement 3 $155,000 $51,667 $0 0.00%

    For 2018, Bank Of St. Francisville's most frequently cited loan purpose was Refi, with 21 originations. The 2nd most popular reason was Home Purchase, with 13 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 37 $11,575,000 $312,838 $0 0.00%

    For 2018, Bank Of St. Francisville's most frequently cited loan duration was Other, with 37 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 14 $900,000 $64,286 $0 0.00%
    $200k-400k 10 $2,620,000 $262,000 $0 0.00%
    $100k-200k 7 $1,025,000 $146,429 $0 0.00%
    $400k-600k 4 $1,960,000 $490,000 $0 0.00%
    $1MM+ 2 $5,070,000 $2,535,000 $0 0.00%

    2018 saw Bank Of St. Francisville place emphasis on $100,000 or less loans with 14 originations, totaling $900,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 6 $750,000 $125,000 $0 0.00%
    $50k-75k 6 $940,000 $156,667 $0 0.00%
    $250k+ 4 $1,250,000 $312,500 $0 0.00%
    $50k or less 3 $245,000 $81,667 $0 0.00%
    $75k-100k 2 $120,000 $60,000 $0 0.00%
    $150k-250k 1 $405,000 $405,000 $0 0.00%

    Bank Of St. Francisville lent most frequently to those with incomes in the $100k-150k range, with 6 originations. The second most popular income band? $50k-75k, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 37 $11,575,000 $312,838 $0 0.00%

    Bank Of St. Francisville lent most frequently to those with DTI ratios of Exempt%, with 37 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 13 $7,455,000 $573,462 $0 0.00%
    White 21 $3,975,000 $189,286 $0 0.00%
    Black 3 $145,000 $48,333 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.18%

    Bank Of St. Francisville has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.19%

    Bank Of St. Francisville has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 37 $11,575,000 $312,838

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $5,070,000 $2,535,000
    Single Family (1-4 Units):Manufactured 6 $600,000 $100,000
    Single Family (1-4 Units):Site-Built 29 $5,905,000 $203,621

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    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 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) Closing on a mortgage 1 3.7%
    BANK OF THE WEST FHA mortgage Closing on a mortgage 1 3.7%
    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%
    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%