St Johns B&t Co Mortgage Rates, Fees & Info

ST LOUIS, MO

LEI: 549300RQ21ZFLCALGC21

Tax ID: 43-0492940

Latest/2023 | 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

    St Johns B&t Co is a smaller mortgage company specializing in Home Purchase loans. St Johns B&t Co has a high proportion of conventional loans. Their top (well, only) market is St. Louis.

    St Johns B&t Co has an 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

    38

    Origination Dollar Volume (All Markets)

    $21,160,000

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 37 $21,025,000 $568,243 $0 0.00%
    Outside of Metro Areas 1 $135,000 $135,000 $0 0.00%
    St Johns B&t Co's top markets include and St. Louis among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 38 $21,160,000 $556,842 $0 0.00%

    For 2023, St Johns B&t Co's most frequently originated type of loan was Conventional, with 38 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 22 $16,080,000 $730,909 $0 0.00%
    Refi 10 $1,670,000 $167,000 $0 0.00%
    Home Improvement 4 $3,390,000 $847,500 $0 0.00%
    Other 2 $20,000 $10,000 $0 0.00%

    For 2023, St Johns B&t Co's most frequently cited loan purpose was Home Purchase, with 22 originations. The 2nd most popular reason was Refi, with 10 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 38 $21,160,000 $556,842 $0 0.00%

    For 2023, St Johns B&t Co's most frequently cited loan duration was Other, with 38 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 10 $1,570,000 $157,000 $0 0.00%
    $200k-400k 10 $3,150,000 $315,000 $0 0.00%
    $100,000 or less 9 $455,000 $50,556 $0 0.00%
    $1MM+ 5 $13,385,000 $2,677,000 $0 0.00%
    $400k-600k 2 $1,040,000 $520,000 $0 0.00%
    $600k-1MM 2 $1,560,000 $780,000 $0 0.00%

    2023 saw St Johns B&t Co place emphasis on $100k-200k loans with 10 originations, totaling $1,570,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 6 $1,270,000 $211,667 $0 0.00%
    $75k-100k 3 $655,000 $218,333 $0 0.00%
    $50k or less 2 $80,000 $40,000 $0 0.00%
    $50k-75k 1 $15,000 $15,000 $0 0.00%

    St Johns B&t Co lent most frequently to those with incomes in the $150k-250k range, with 6 originations. The second most popular income band? $75k-100k, with 3 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 38 $21,160,000 $556,842 $0 0.00%

    St Johns B&t Co lent most frequently to those with DTI ratios of Exempt%, with 38 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 25 $19,135,000 $765,400 $0 0.00%
    White 12 $1,980,000 $165,000 $0 0.00%
    Not provided 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    87.04%

    St Johns B&t Co has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.21%

    St Johns B&t Co has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 38 $21,160,000 $556,842

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    38 $21,160,000 $556,842