St Landry Bank & Trust Company Mortgage Rates, Fees & Info
Opelousas, LALEI: 549300PI7Z6DG3QE2087
Tax ID: 72-0307730
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Mortgage Data
Review & Overview
St Landry Bank & Trust Company is a smaller bank specializing in Refi and Home Purchase loans. St Landry Bank & Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Opelousas, Jennings, and Lafayette among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)St Landry Bank & Trust Company has an above average approval rate when compared to the average across all lenders.
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Originations
16Origination Dollar Volume (All Markets)
$1,200,000Top 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 |
|---|---|---|---|---|---|
| Opelousas, LA (FHA|USDA|VA) | 12 | $950,000 | $79,167 | $0 | 0.00% |
| Jennings, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $75,000 | $75,000 | $0 | 0.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 16 | $1,200,000 | $75,000 | $0 | 0.00% |
For 2023, St Landry Bank & Trust Company's most frequently originated type of loan was Conventional, with 16 originations.
Loan Reason
For 2023, St Landry Bank & Trust Company's most frequently cited loan purpose was Refi, with 9 originations. The 2nd most popular reason was Home Purchase, with 5 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 16 | $1,200,000 | $75,000 | $0 | 0.00% |
For 2023, St Landry Bank & Trust Company's most frequently cited loan duration was Other, with 16 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 12 | $540,000 | $45,000 | $0 | 0.00% |
| $100k-200k | 3 | $385,000 | $128,333 | $0 | 0.00% |
| $200k-400k | 1 | $275,000 | $275,000 | $0 | 0.00% |
2023 saw St Landry Bank & Trust Company place emphasis on $100,000 or less loans with 12 originations, totaling $540,000 in origination value.
Applicant Income
St Landry Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 6 originations. The second most popular income band? $50k-75k, with 3 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 16 | $1,200,000 | $75,000 | $0 | 0.00% |
St Landry Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 16 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 10 | $850,000 | $85,000 | $0 | 0.00% |
| Not applicable | 2 | $210,000 | $105,000 | $0 | 0.00% |
| Black | 4 | $140,000 | $35,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications100.00%
St Landry Bank & Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 16 | $1,200,000 | $75,000 |