St Johns B&t Co Mortgage Rates, Fees & Info
ST LOUIS, MOLEI: 549300RQ21ZFLCALGC21
Tax ID: 43-0492940
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Mortgage Data
Review & Overview
St Johns B&t Co is a smaller mortgage company specializing in Home Purchase and Refi loans. St Johns B&t Co has a high proportion of conventional loans. Their top two markets are St. Louis and Columbia .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
42Origination Dollar Volume (All Markets)
$10,950,000Top 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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 39 | $10,815,000 | $277,308 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $80,000 | $40,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 42 | $10,950,000 | $260,714 | $0 | 0.00% |
For 2018, St Johns B&t Co's most frequently originated type of loan was Conventional, with 42 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 26 | $7,460,000 | $286,923 | $0 | 0.00% |
| Refi | 15 | $3,385,000 | $225,667 | $0 | 0.00% |
| Other | 1 | $105,000 | $105,000 | $0 | 0.00% |
For 2018, St Johns B&t Co's most frequently cited loan purpose was Home Purchase, with 26 originations. The 2nd most popular reason was Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 42 | $10,950,000 | $260,714 | $0 | 0.00% |
For 2018, St Johns B&t Co's most frequently cited loan duration was Other, with 42 originations.
Loan Sizing
2018 saw St Johns B&t Co place emphasis on $100,000 or less loans with 23 originations, totaling $1,295,000 in origination value.
Applicant Income
St Johns B&t Co lent most frequently to those with incomes in the $50k or less range, with 10 originations. The second most popular income band? $50k-75k, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 42 | $10,950,000 | $260,714 | $0 | 0.00% |
St Johns B&t Co lent most frequently to those with DTI ratios of Exempt%, with 42 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.10%
St Johns B&t Co has a below average approval rate.
Pick Rate
Approvals leading to origination78.57%
St Johns B&t Co has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 42 | $10,950,000 | $260,714 |