Talbot State Bank Mortgage Rates, Fees & Info
Fayetteville, GALEI: 549300V2JTNKMMF06966
Tax ID: 58-0495550
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Talbot State Bank is a smaller bank specializing in Refi and Home Purchase loans. Talbot State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Atlanta, Columbus, Warner Robins, Lagrange, and Cedartown among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)Talbot State Bank 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
71Origination Dollar Volume (All Markets)
$6,485,000Top 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 |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 29 | $3,445,000 | $118,793 | $0 | 0.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 12 | $770,000 | $64,167 | $0 | 0.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $0 | 0.00% |
| LaGrange, GA-AL (FHA|USDA|VA) | 6 | $480,000 | $80,000 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $355,000 | $71,000 | $0 | 0.00% |
| Cedartown, GA (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $0 | 0.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $220,000 | $55,000 | $0 | 0.00% |
| Thomaston, GA (FHA|USDA|VA) | 4 | $170,000 | $42,500 | $0 | 0.00% |
| ROME, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| Cordele, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 71 | $6,485,000 | $91,338 | $0 | 0.00% |
For 2023, Talbot State Bank's most frequently originated type of loan was Conventional, with 71 originations.
Loan Reason
For 2023, Talbot State Bank's most frequently cited loan purpose was Refi, with 35 originations. The 2nd most popular reason was Home Improvement, with 20 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 71 | $6,485,000 | $91,338 | $0 | 0.00% |
For 2023, Talbot State Bank's most frequently cited loan duration was Other, with 71 originations.
Loan Sizing
2023 saw Talbot State Bank place emphasis on $100,000 or less loans with 51 originations, totaling $2,595,000 in origination value.
Applicant Income
Talbot State Bank lent most frequently to those with incomes in the $50k or less range, with 22 originations. The second most popular income band? $50k-75k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 71 | $6,485,000 | $91,338 | $0 | 0.00% |
Talbot State Bank lent most frequently to those with DTI ratios of Exempt%, with 71 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.35%
Talbot State Bank has an average approval rate.
Pick Rate
Approvals leading to origination71.83%
Talbot State Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 71 | $6,485,000 | $91,338 |