Commercial Trust Company Of Fayette Mortgage Rates, Fees & Info

Fayette, MO

LEI: 549300OLRFUNCEDVGB16

Tax ID: 43-0224210

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Commercial Trust Company Of Fayette is a smaller mortgage company specializing in Home Purchase loans. Commercial Trust Company Of Fayette has a high proportion of conventional loans. Their top markets by origination volume include: Columbia, Jefferson City, Moberly, Marshall, and Kansas City among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Commercial Trust Company Of Fayette has an above average approval rate when compared to the average across all lenders.

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    Originations

    80

    Origination Dollar Volume (All Markets)

    $13,010,000

    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
    COLUMBIA, MO (FHA|USDA|VA) 68 $11,470,000 $168,676 $0 0.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $720,000 $360,000 $0 0.00%
    Moberly, MO (FHA|USDA|VA) 6 $490,000 $81,667 $0 0.00%
    Outside of Metro Areas 2 $150,000 $75,000 $0 0.00%
    Marshall, MO (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    Commercial Trust Company Of Fayette's top markets include Columbia, Jefferson City, Moberly, Marshall, and Kansas City among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 80 $13,010,000 $162,625 $0 0.00%

    For 2024, Commercial Trust Company Of Fayette's most frequently originated type of loan was Conventional, with 80 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 44 $10,630,000 $241,591 $0 0.00%
    Refi 17 $1,615,000 $95,000 $0 0.00%
    Home Improvement 13 $545,000 $41,923 $0 0.00%
    Other 6 $220,000 $36,667 $0 0.00%

    For 2024, Commercial Trust Company Of Fayette's most frequently cited loan purpose was Home Purchase, with 44 originations. The 2nd most popular reason was Refi, with 17 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 80 $13,010,000 $162,625 $0 0.00%

    For 2024, Commercial Trust Company Of Fayette's most frequently cited loan duration was Other, with 80 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 39 $1,885,000 $48,333 $0 0.00%
    $100k-200k 18 $2,560,000 $142,222 $0 0.00%
    $200k-400k 17 $5,185,000 $305,000 $0 0.00%
    $400k-600k 4 $1,960,000 $490,000 $0 0.00%
    $600k-1MM 2 $1,420,000 $710,000 $0 0.00%

    2024 saw Commercial Trust Company Of Fayette place emphasis on $100,000 or less loans with 39 originations, totaling $1,885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 22 $4,560,000 $207,273 $0 0.00%
    $150k-250k 16 $2,920,000 $182,500 $0 0.00%
    $50k-75k 14 $1,630,000 $116,429 $0 0.00%
    $75k-100k 13 $1,575,000 $121,154 $0 0.00%
    $50k or less 6 $430,000 $71,667 $0 0.00%
    $250k+ 4 $1,270,000 $317,500 $0 0.00%

    Commercial Trust Company Of Fayette lent most frequently to those with incomes in the $100k-150k range, with 22 originations. The second most popular income band? $150k-250k, with 16 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 80 $13,010,000 $162,625 $0 0.00%

    Commercial Trust Company Of Fayette lent most frequently to those with DTI ratios of Exempt%, with 80 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 74 $12,500,000 $168,919 $0 0.00%
    Not applicable 4 $320,000 $80,000 $0 0.00%
    Black 2 $190,000 $95,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.12%

    Commercial Trust Company Of Fayette has an average approval rate.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 80 $13,010,000 $162,625

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    80 $13,010,000 $162,625