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

ST LOUIS, MO

LEI: 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

42

Origination Dollar Volume (All Markets)

$10,950,000

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) 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%
St Johns B&t Co's top markets include St. Louis and Columbia among others.

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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 23 $1,295,000 $56,304 $0 0.00%
    $100k-200k 6 $820,000 $136,667 $0 0.00%
    $200k-400k 6 $1,520,000 $253,333 $0 0.00%
    $400k-600k 3 $1,405,000 $468,333 $0 0.00%
    $1MM+ 2 $4,260,000 $2,130,000 $0 0.00%
    $600k-1MM 2 $1,650,000 $825,000 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 10 $580,000 $58,000 $0 0.00%
    $50k-75k 5 $475,000 $95,000 $0 0.00%
    $100k-150k 3 $495,000 $165,000 $0 0.00%
    $150k-250k 2 $350,000 $175,000 $0 0.00%
    $250k+ 2 $150,000 $75,000 $0 0.00%
    $75k-100k 1 $55,000 $55,000 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 19 $8,845,000 $465,526 $0 0.00%
    White 20 $1,980,000 $99,000 $0 0.00%
    Not provided 2 $100,000 $50,000 $0 0.00%
    Black 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    79.10%

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

    Pick Rate

    Approvals leading to origination
    78.57%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 7 $6,405,000 $915,000
    Single Family (1-4 Units):Manufactured 3 $215,000 $71,667
    Single Family (1-4 Units):Site-Built 32 $4,330,000 $135,313