Bank Of St. Elizabeth Mortgage Rates, Fees & Info

Saint Elizabeth, MO

LEI: 549300Y785ZJTIRTXM07

Tax ID: 44-0162355

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank Of St. Elizabeth is a smaller bank specializing in Home Purchase loans. Bank Of St. Elizabeth has a high proportion of conventional loans. Their top markets by origination volume include: Jefferson City, Charlotte, St. Louis, Fort Leonard Wood, and Lebanon among others. We have data for 7 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    154

    Origination Dollar Volume (All Markets)

    $24,200,000

    Employee count

    35

    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
    Outside of Metro Areas 104 $16,160,000 $155,385 $0 0.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 41 $6,835,000 $166,707 $0 0.00%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $525,000 $525,000 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $300,000 $75,000 $0 0.00%
    Fort Leonard Wood, MO (FHA|USDA|VA) 2 $170,000 $85,000 $0 0.00%
    Lebanon, MO (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
    Bank Of St. Elizabeth's top markets include Jefferson City, Charlotte, St. Louis, Fort Leonard Wood, and Lebanon among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 154 $24,200,000 $157,143 $0 0.00%

    For 2019, Bank Of St. Elizabeth's most frequently originated type of loan was Conventional, with 154 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 91 $17,745,000 $195,000 $0 0.00%
    Refi 41 $4,715,000 $115,000 $0 0.00%
    Home Improvement 16 $1,460,000 $91,250 $0 0.00%
    Other 6 $280,000 $46,667 $0 0.00%

    For 2019, Bank Of St. Elizabeth's most frequently cited loan purpose was Home Purchase, with 91 originations. The 2nd most popular reason was Refi, with 41 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 154 $24,200,000 $157,143 $0 0.00%

    For 2019, Bank Of St. Elizabeth's most frequently cited loan duration was Other, with 154 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 72 $4,240,000 $58,889 $0 0.00%
    $100k-200k 47 $6,305,000 $134,149 $0 0.00%
    $200k-400k 24 $6,270,000 $261,250 $0 0.00%
    $600k-1MM 6 $4,900,000 $816,667 $0 0.00%
    $400k-600k 5 $2,485,000 $497,000 $0 0.00%

    2019 saw Bank Of St. Elizabeth place emphasis on $100,000 or less loans with 72 originations, totaling $4,240,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 34 $2,990,000 $87,941 $0 0.00%
    $50k-75k 29 $3,245,000 $111,897 $0 0.00%
    $75k-100k 27 $3,505,000 $129,815 $0 0.00%
    $100k-150k 18 $2,690,000 $149,444 $0 0.00%
    $250k+ 13 $3,285,000 $252,692 $0 0.00%
    $150k-250k 11 $1,805,000 $164,091 $0 0.00%

    Bank Of St. Elizabeth lent most frequently to those with incomes in the $50k or less range, with 34 originations. The second most popular income band? $50k-75k, with 29 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 154 $24,200,000 $157,143 $0 0.00%

    Bank Of St. Elizabeth lent most frequently to those with DTI ratios of Exempt%, with 154 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 124 $16,310,000 $131,532 $0 0.00%
    Not applicable 21 $6,525,000 $310,714 $0 0.00%
    Not provided 9 $1,365,000 $151,667 $0 0.00%

    Approval Rates

    Total approvals of all applications
    79.28%

    Bank Of St. Elizabeth has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    70.78%

    Bank Of St. Elizabeth has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 154 $24,200,000 $157,143

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 8 $3,560,000 $445,000
    Single Family (1-4 Units):Manufactured 11 $675,000 $61,364
    Single Family (1-4 Units):Site-Built 135 $19,965,000 $147,889

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 1 7.1%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 2 14.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 42.9%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of St. Elizabeth 131 Old Vienna Road Freeburg, MO 65035 Full Service B&M $47,379
    Bank of St. Elizabeth 215 Main Street Saint Elizabeth, MO 65075 Full Service B&M $57,504
    Bank of St. Elizabeth 278 Highway H Eugene, MO 65032 Full Service B&M $9,675
    Bank of St. Elizabeth 3855 Osage Beach Parkway Osage Beach, MO 65065 Full Service B&M $16,771

    For 2019, Bank Of St. Elizabeth had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $7,607
    Net interest income $6,283
    Total noninterest income $1,269
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $541
    Trading account gains and fees $0
    Additional Noninterest Income $728
    Pre-tax net operating income $2,968
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,968
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,968
    Minority interest net income $0
    Net income $2,968
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,968

    Bank Of St. Elizabeth's gross interest income from loans was $7,607,000.
    Bank Of St. Elizabeth's net interest income from loans was $6,283,000.
    Bank Of St. Elizabeth's fee based income from loans was $541,000.
    Bank Of St. Elizabeth's net income from loans was $2,968,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,324
    Provision for credit losses $0
    Total noninterest expense $4,584
    Salaries and employee benefits $2,949
    Premises and equipment expense $440
    Additional noninterest expense $1,195
    Applicable income taxes $0
    Net charge-offs $30
    Cash dividends $1,600

    Bank Of St. Elizabeth's interest expense for loans was $1,324,000.
    Bank Of St. Elizabeth's payroll and benefits expense were $2,949,000.
    Bank Of St. Elizabeth's property, plant and equipment expenses $440,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $127,737
    Deposits held in domestic offices $127,737
    Deposits by Individuals, partnerships, and corporations $123,673
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $4,064
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $41,567
    Demand deposits $33,014
    Nontransaction accounts $86,170
    Money market deposit accounts (MMDAs) $20,456
    Other savings deposits (excluding MMDAs) $25,791
    Total time deposits $39,923
    Total time and savings deposits $94,723
    Noninterest-bearing deposits $32,138
    Interest-bearing deposits $95,599
    Retail deposits $121,224
    IRAs and Keogh plan accounts $12,565
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $149,009
    Cash & Balances due from depository institutions $11,466
    Interest-bearing balances $6,928
    Total securities $0
    Federal funds sold & reverse repurchase $0
    Net loans and leases $131,274
    Loan and leases loss allowance $641
    Trading account assets $0
    Bank premises and fixed assets $1,431
    Other real estate owned $20
    Goodwill and other intangibles $2,714
    All other assets $2,104

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $149,009
    Total Liabilities $130,469
    Total deposits $127,737
    Interest-bearing deposits $95,599
    Deposits held in domestic offices $127,737
    % insured (estimated) $90
    Federal funds purchased and repurchase agreements $360
    Trading liabilities $0
    Other borrowed funds $2,000
    Subordinated debt $0
    All other liabilities $372

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $131,274
    Loan and leases loss allowance $641
    Total loans and leases (domestic) $131,915
    All real estate loans $113,112
    Real estate loans in domestic offices $113,112
    Construction and development loans $8,384
    Residential 1-4 family construction $7,681
    Other construction, all land development and other land $703
    Loans secured by nonfarm nonresidential properties $10,172
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $10,172
    Multifamily residential real estate $0
    1-4 family residential loans $82,584
    Farmland loans $11,972
    Loans held in foreign offices $0
    Farm loans $4,842
    Commercial and industrial loans $2,812
    To non-U.S. addressees $0
    Loans to individuals $10,976
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $9,784
    Other loans to individuals $1,192
    All other loans & leases $173
    Loans to foreign governments and official institutions $0
    Other loans $173
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Bank of St. Elizabeth had $131,274,000 of loans outstanding in 2019. $113,112,000 of loans were in real estate loans. $8,384,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $82,584,000 of loans were in 1-4 family mortgage loans. $4,842,000 of loans were in farm loans. $0 of loans were in credit card loans. $9,784,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 97 $9,150 $94,330
    Nonfarm, nonresidential loans - <$100k 69 $1,268 $18,377
    Nonfarm, nonresidential loans - $100-250k 18 $2,676 $148,667
    Nonfarm, nonresidential loans - $250k-1MM 10 $5,206 $520,600
    Commercial & Industrial, US addressed loans - <$1MM 174 $2,812 $16,161
    Commercial & Industrial, US addressed loans - <$100k 169 $1,947 $11,521
    Commercial & Industrial, US addressed loans - $100-250k 4 $565 $141,250
    Commercial & Industrial, US addressed loans - $250k-1MM 1 $300 $300,000
    Farmland loans - <$1MM 175 $11,414 $65,223
    Farmland loans - <$100k 137 $4,449 $32,474
    Farmland loans - $100-250k 33 $4,933 $149,485
    Farmland loans - $250k-1MM 5 $2,032 $406,400
    Agriculture operations loans - <$1MM 660 $4,842 $7,336
    Agriculture operations loans - <$100k 658 $4,623 $7,026
    Agriculture operations loans - $100-250k 2 $219 $109,500