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 and Refi loans. Bank Of St. Elizabeth has a high proportion of conventional loans. Their top markets by origination volume include: Jefferson City, Columbia, St. Louis, Fort Leonard Wood, and Charlotte 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

    149

    Origination Dollar Volume (All Markets)

    $32,495,000

    Employee count

    38

    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 94 $20,580,000 $218,936 $0 0.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 42 $8,350,000 $198,810 $0 0.00%
    COLUMBIA, MO (FHA|USDA|VA) 5 $2,525,000 $505,000 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $455,000 $151,667 $0 0.00%
    Fort Leonard Wood, MO (FHA|USDA|VA) 2 $300,000 $150,000 $0 0.00%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    Rolla, MO (FHA|USDA|VA) 2 $110,000 $55,000 $0 0.00%
    Bank Of St. Elizabeth's top markets include Jefferson City, Columbia, St. Louis, Fort Leonard Wood, and Charlotte 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 149 $32,495,000 $218,087 $0 0.00%

    For 2021, Bank Of St. Elizabeth's most frequently originated type of loan was Conventional, with 149 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 82 $18,510,000 $225,732 $0 0.00%
    Refi 52 $12,370,000 $237,885 $0 0.00%
    Home Improvement 8 $820,000 $102,500 $0 0.00%
    Other 7 $795,000 $113,571 $0 0.00%

    For 2021, Bank Of St. Elizabeth's most frequently cited loan purpose was Home Purchase, with 82 originations. The 2nd most popular reason was Refi, with 52 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 149 $32,495,000 $218,087 $0 0.00%

    For 2021, Bank Of St. Elizabeth's most frequently cited loan duration was Other, with 149 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 51 $7,375,000 $144,608 $0 0.00%
    $100,000 or less 47 $2,785,000 $59,255 $0 0.00%
    $200k-400k 31 $8,485,000 $273,710 $0 0.00%
    $400k-600k 15 $7,405,000 $493,667 $0 0.00%
    $1MM+ 4 $5,520,000 $1,380,000 $0 0.00%
    $600k-1MM 1 $925,000 $925,000 $0 0.00%

    2021 saw Bank Of St. Elizabeth place emphasis on $100k-200k loans with 51 originations, totaling $7,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 34 $6,610,000 $194,412 $0 0.00%
    $50k-75k 30 $3,570,000 $119,000 $0 0.00%
    $50k or less 27 $2,855,000 $105,741 $0 0.00%
    $75k-100k 21 $3,375,000 $160,714 $0 0.00%
    $150k-250k 20 $7,260,000 $363,000 $0 0.00%
    $250k+ 8 $5,180,000 $647,500 $0 0.00%

    Bank Of St. Elizabeth lent most frequently to those with incomes in the $100k-150k range, with 34 originations. The second most popular income band? $50k-75k, with 30 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 149 $32,495,000 $218,087 $0 0.00%

    Bank Of St. Elizabeth lent most frequently to those with DTI ratios of Exempt%, with 149 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 136 $26,900,000 $197,794 $0 0.00%
    Not applicable 9 $3,645,000 $405,000 $0 0.00%
    Asian 1 $1,645,000 $1,645,000 $0 0.00%
    Not provided 3 $305,000 $101,667 $0 0.00%

    Approval Rates

    Total approvals of all applications
    80.82%

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

    Pick Rate

    Approvals leading to origination
    67.11%

    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 149 $32,495,000 $218,087

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    149 $32,495,000 $218,087

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 5 16.7%
    BANK OF THE WEST VA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 2 6.7%
    BANK OF THE WEST Other type of mortgage Struggling to pay mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 3 10.0%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 4 13.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 6.7%
    BANK OF THE WEST FHA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 2 6.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 1 3.3%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 20.0%

    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 $64,571
    Bank of St. Elizabeth 215 Main Street Saint Elizabeth, MO 65075 Full Service B&M $55,961
    Bank of St. Elizabeth 278 Highway H Eugene, MO 65032 Full Service B&M $12,683
    Bank of St. Elizabeth 3855 Osage Beach Parkway Osage Beach, MO 65065 Full Service B&M $24,389

    For 2021, Bank Of St. Elizabeth had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $8,786
    Net interest income $7,898
    Total noninterest income $2,175
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $464
    Trading account gains and fees $0
    Additional Noninterest Income $1,711
    Pre-tax net operating income $4,555
    Securities gains (or losses, -) $0
    Income before extraordinary items $4,555
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,555
    Minority interest net income $0
    Net income $4,555
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,555

    Bank Of St. Elizabeth's gross interest income from loans was $8,786,000.
    Bank Of St. Elizabeth's net interest income from loans was $7,898,000.
    Bank Of St. Elizabeth's fee based income from loans was $464,000.
    Bank Of St. Elizabeth's net income from loans was $4,555,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $888
    Provision for credit losses $30
    Total noninterest expense $5,488
    Salaries and employee benefits $3,490
    Premises and equipment expense $576
    Additional noninterest expense $1,422
    Applicable income taxes $0
    Net charge-offs $28
    Cash dividends $2,840

    Bank Of St. Elizabeth's interest expense for loans was $888,000.
    Bank Of St. Elizabeth's payroll and benefits expense were $3,490,000.
    Bank Of St. Elizabeth's property, plant and equipment expenses $576,000.

    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 $174,029
    Deposits held in domestic offices $174,029
    Deposits by Individuals, partnerships, and corporations $170,529
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $3,500
    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 $73,400
    Demand deposits $57,612
    Nontransaction accounts $100,629
    Money market deposit accounts (MMDAs) $41,026
    Other savings deposits (excluding MMDAs) $37,994
    Total time deposits $21,609
    Total time and savings deposits $116,417
    Noninterest-bearing deposits $54,963
    Interest-bearing deposits $119,066
    Retail deposits $170,823
    IRAs and Keogh plan accounts $12,474
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $215,383
    Cash & Balances due from depository institutions $52,009
    Interest-bearing balances $44,966
    Total securities $0
    Federal funds sold & reverse repurchase $0
    Net loans and leases $144,760
    Loan and leases loss allowance $0
    Trading account assets $0
    Bank premises and fixed assets $2,360
    Other real estate owned $0
    Goodwill and other intangibles $13,797
    All other assets $2,457

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $215,383
    Total Liabilities $181,802
    Total deposits $174,029
    Interest-bearing deposits $119,066
    Deposits held in domestic offices $174,029
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $7,500
    Subordinated debt $0
    All other liabilities $273

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $144,760
    Loan and leases loss allowance $0
    Total loans and leases (domestic) $144,760
    All real estate loans $123,459
    Real estate loans in domestic offices $123,459
    Construction and development loans $12,053
    Residential 1-4 family construction $11,545
    Other construction, all land development and other land $508
    Loans secured by nonfarm nonresidential properties $16,992
    Nonfarm nonresidential secured by owner-occupied properties $194
    Commercial real estate & other non-farm, non-residential $16,798
    Multifamily residential real estate $0
    1-4 family residential loans $78,408
    Farmland loans $16,006
    Loans held in foreign offices $0
    Farm loans $4,856
    Commercial and industrial loans $3,787
    To non-U.S. addressees $0
    Loans to individuals $12,561
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $11,855
    Other loans to individuals $706
    All other loans & leases $97
    Loans to foreign governments and official institutions $0
    Other loans $97
    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 $144,760,000 of loans outstanding in 2021. $123,459,000 of loans were in real estate loans. $12,053,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $78,408,000 of loans were in 1-4 family mortgage loans. $4,856,000 of loans were in farm loans. $0 of loans were in credit card loans. $11,855,000 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 92 $14,478 $157,370
    Nonfarm, nonresidential loans - <$100k 52 $1,401 $26,942
    Nonfarm, nonresidential loans - $100-250k 24 $4,103 $170,958
    Nonfarm, nonresidential loans - $250k-1MM 16 $8,974 $560,875
    Commercial & Industrial, US addressed loans - <$1MM 802 $3,787 $4,722
    Commercial & Industrial, US addressed loans - <$100k 795 $2,291 $2,882
    Commercial & Industrial, US addressed loans - $100-250k 5 $678 $135,600
    Commercial & Industrial, US addressed loans - $250k-1MM 2 $818 $409,000
    Farmland loans - <$1MM 218 $16,006 $73,422
    Farmland loans - <$100k 165 $4,494 $27,236
    Farmland loans - $100-250k 41 $6,229 $151,927
    Farmland loans - $250k-1MM 12 $5,283 $440,250
    Agriculture operations loans - <$1MM 555 $4,856 $8,750
    Agriculture operations loans - <$100k 555 $4,856 $8,750