Bank Of St. Elizabeth Mortgage Rates, Fees & Info
Saint Elizabeth, MOLEI: 549300Y785ZJTIRTXM07
Tax ID: 44-0162355
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Bank Of St. Elizabeth is a smaller bank specializing in Home Purchase and Refi loans. Bank Of St. Elizabeth has a high proportion of conventional loans. Their top markets by origination volume include: Jefferson City, Branson, Fort Leonard Wood, Kansas City, and Lebanon among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Bank Of St. Elizabeth 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
126Origination Dollar Volume (All Markets)
$28,120,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 84 | $19,600,000 | $233,333 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 32 | $6,380,000 | $199,375 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 0.00% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 0.00% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 126 | $28,120,000 | $223,175 | $0 | 0.00% |
For 2022, Bank Of St. Elizabeth's most frequently originated type of loan was Conventional, with 126 originations.
Loan Reason
For 2022, Bank Of St. Elizabeth's most frequently cited loan purpose was Home Purchase, with 72 originations. The 2nd most popular reason was Refi, with 32 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 126 | $28,120,000 | $223,175 | $0 | 0.00% |
For 2022, Bank Of St. Elizabeth's most frequently cited loan duration was Other, with 126 originations.
Loan Sizing
2022 saw Bank Of St. Elizabeth place emphasis on $100,000 or less loans with 40 originations, totaling $2,220,000 in origination value.
Applicant Income
Bank Of St. Elizabeth lent most frequently to those with incomes in the $50k-75k range, with 23 originations. The second most popular income band? $75k-100k, with 20 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 126 | $28,120,000 | $223,175 | $0 | 0.00% |
Bank Of St. Elizabeth lent most frequently to those with DTI ratios of Exempt%, with 126 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.35%
Bank Of St. Elizabeth has an average approval rate.
Pick Rate
Approvals leading to origination56.35%
Bank Of St. Elizabeth 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 | 126 | $28,120,000 | $223,175 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 6.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 20.0% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Conventional home mortgage | Closing on a mortgage | 1 | 6.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Conventional home mortgage | Struggling to pay mortgage | 1 | 6.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 7 | 46.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | FHA mortgage | Struggling to pay mortgage | 1 | 6.7% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 6.7% |