Talbot State Bank Mortgage Rates, Fees & Info
Fayetteville, GALEI: 549300V2JTNKMMF06966
Tax ID: 58-0495550
Latest/2024 | 2023 Data | 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 loans. Talbot State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Atlanta, Columbus, Thomaston, Warner Robins, and Gainesville among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Talbot State Bank has an above 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
50Origination Dollar Volume (All Markets)
$4,360,000Top 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) | 16 | $1,460,000 | $91,250 | $0 | 0.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 12 | $570,000 | $47,500 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $470,000 | $117,500 | $0 | 0.00% |
| Thomaston, GA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $0 | 0.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $0 | 0.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $300,000 | $75,000 | $0 | 0.00% |
| DALTON, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 0.00% |
| LaGrange, GA-AL (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 0.00% |
| Dublin, GA (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 | 50 | $4,360,000 | $87,200 | $0 | 0.00% |
For 2024, Talbot State Bank's most frequently originated type of loan was Conventional, with 50 originations.
Loan Reason
For 2024, Talbot State Bank's most frequently cited loan purpose was Refi, with 28 originations. The 2nd most popular reason was Home Improvement, with 10 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 50 | $4,360,000 | $87,200 | $0 | 0.00% |
For 2024, Talbot State Bank's most frequently cited loan duration was Other, with 50 originations.
Loan Sizing
2024 saw Talbot State Bank place emphasis on $100,000 or less loans with 33 originations, totaling $1,535,000 in origination value.
Applicant Income
Talbot State Bank lent most frequently to those with incomes in the $50k or less range, with 16 originations. The second most popular income band? $50k-75k, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 50 | $4,360,000 | $87,200 | $0 | 0.00% |
Talbot State Bank lent most frequently to those with DTI ratios of Exempt%, with 50 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 28 | $2,830,000 | $101,071 | $0 | 0.00% |
| Black | 18 | $970,000 | $53,889 | $0 | 0.00% |
| Not provided | 4 | $560,000 | $140,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications92.94%
Talbot State Bank has an average approval rate.
Pick Rate
Approvals leading to origination42.00%
Talbot State Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 50 | $4,360,000 | $87,200 |