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 Refi loans. Bank Of St. Francisville has a high proportion of conventional loans. Their top two markets are Baton Rouge and Natchez .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
25Origination Dollar Volume (All Markets)
$4,885,000Top 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) | 24 | $4,650,000 | $193,750 | $0 | 0.00% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 25 | $4,885,000 | $195,400 | $0 | 0.00% |
For 2019, Bank Of St. Francisville's most frequently originated type of loan was Conventional, with 25 originations.
Loan Reason
For 2019, Bank Of St. Francisville's most frequently cited loan purpose was Refi, with 11 originations. The 2nd most popular reason was Home Purchase, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 25 | $4,885,000 | $195,400 | $0 | 0.00% |
For 2019, Bank Of St. Francisville's most frequently cited loan duration was Other, with 25 originations.
Loan Sizing
2019 saw Bank Of St. Francisville place emphasis on $100,000 or less loans with 11 originations, totaling $445,000 in origination value.
Applicant Income
Bank Of St. Francisville lent most frequently to those with incomes in the $250k+ range, with 7 originations. The second most popular income band? $100k-150k, with 4 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 25 | $4,885,000 | $195,400 | $0 | 0.00% |
Bank Of St. Francisville lent most frequently to those with DTI ratios of Exempt%, with 25 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.55%
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 origination88.00%
Bank Of St. Francisville has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 25 | $4,885,000 | $195,400 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| 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% |
| BANK OF THE WEST | Conventional home mortgage | Struggling to pay mortgage | 1 | 7.1% |