South Central Bank Mortgage Rates, Fees & Info

GLASGOW, KY

LEI: 549300LPT41QBMAC7948

Tax ID: 61-0126170

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Mortgage Data

Bank Data

Review & Overview

South Central Bank is a smaller bank specializing in Home Purchase loans. South Central Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Bowling Green, Elizabethtown, Glasgow, Owensboro, and Louisville among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)

South Central 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. South Central Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 8.03% 3/28/24
30 Year Conventional Purchase 6.63% 3/28/24
30 Year Conventional Refi 6.56% 3/28/24
30 Year Cash-out Refi 6.87% 3/28/24
30 Year FHA Purchase 7.38% 3/28/24
30 Year FHA Refi 7.54% 3/28/24
30 Year VA Purchase 6.32% 3/28/24
30 Year VA Refi 6.26% 3/28/24
30 Year USDA Purchase 6.84% 3/28/24
15 Year Conventional Purchase 6.51% 3/28/24
15 Year Conventional Refi 6.12% 3/28/24
15 Year Cash-out Refi 6.12% 3/28/24
15 Year VA Purchase 5.68% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

South Central Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from South Central Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

933

Origination Dollar Volume (All Markets)

$144,665,000

Employee count

266 Show all (20) awards

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
BOWLING GREEN, KY (FHA|USDA|VA) 242 $37,770,000 $156,074 $2,773 5.01%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 202 $34,760,000 $172,079 $2,539 4.49%
Glasgow, KY (FHA|USDA|VA) 126 $13,790,000 $109,444 $2,102 5.22%
Outside of Metro Areas 117 $12,535,000 $107,137 $2,453 5.13%
OWENSBORO, KY (FHA|USDA|VA) 90 $12,250,000 $136,111 $2,318 5.10%
LOUISVILLE, KY (FHA|USDA|VA) 35 $11,975,000 $342,143 $2,744 4.80%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 59 $11,085,000 $187,881 $3,030 4.63%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 10 $1,510,000 $151,000 $2,588 4.55%
Bardstown, KY (FHA|USDA|VA) 7 $1,345,000 $192,143 $2,663 4.16%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $5,539 4.38%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $1,195,000 $239,000 $2,425 4.76%
Somerset, KY (FHA|USDA|VA) 13 $1,115,000 $85,769 $2,100 5.88%
Richmond-Berea, KY (FHA|USDA|VA) 6 $1,050,000 $175,000 $1,885 4.69%
Campbellsville, KY (FHA|USDA|VA) 4 $580,000 $145,000 $3,118 4.84%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $485,000 $161,667 $11,659 4.83%
MORRISTOWN, TN (FHA|USDA|VA) 2 $380,000 $190,000 $0 5.50%
Frankfort, KY (FHA|USDA|VA) 2 $300,000 $150,000 $4,138 3.94%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.35%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $255,000 $255,000 $3,022 4.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $155,000 $155,000 $3,587 4.75%
Madisonville, KY (FHA|USDA|VA) 1 $155,000 $155,000 $2,445 4.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
Central City, KY (FHA|USDA|VA) 1 $95,000 $95,000 $2,358 5.00%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,920 4.88%
Danville, KY (FHA|USDA|VA) 1 $95,000 $95,000 $1,430 4.38%
OCALA, FL (FHA|USDA|VA) 1 $5,000 $5,000 $0 6.00%
South Central Bank's top markets include Bowling Green, Elizabethtown, Glasgow, Owensboro, and Louisville among others.

Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against SOUTH CENTRAL BANK based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Town Square Bank
    Similarity Rank: 90
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 686 $105,880,000 $154,344 $2,079 5.12%
    FHA 104 $14,340,000 $137,885 $3,543 4.43%
    VA 76 $15,900,000 $209,211 $3,737 4.16%
    USDA 67 $8,545,000 $127,537 $3,059 4.39%

    For 2018, South Central Bank's most frequently originated type of loan was Conventional, with 686 originations. Their 2nd most popular type was FHA, with 104 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 659 $106,905,000 $162,223 $2,736 4.81%
    Refi 175 $25,245,000 $144,257 $2,050 5.28%
    Cash Out Refi 75 $10,675,000 $142,333 $2,441 4.74%
    Other 15 $995,000 $66,333 $1,782 5.48%
    Home Improvement 9 $845,000 $93,889 $1,375 5.36%

    For 2018, South Central Bank's most frequently cited loan purpose was Home Purchase, with 659 originations. The 2nd most popular reason was Refi, with 175 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 539 $88,045,000 $163,349 $2,768 4.63%
    15 Year 111 $14,575,000 $131,306 $2,003 4.75%
    20 Year 99 $14,815,000 $149,646 $2,023 5.16%
    Other 72 $16,080,000 $223,333 $2,064 5.78%
    5 Year 67 $7,145,000 $106,642 $969 5.57%
    10 Year 20 $1,050,000 $52,500 $1,475 5.80%
    1 Year 19 $2,555,000 $134,474 $0 5.34%
    3 Year 6 $400,000 $66,667 $1,013 6.73%

    For 2018, South Central Bank's most frequently cited loan duration was 30 Year, with 539 originations. The 2nd most popular length was 15 Year, with 111 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 637 $94,275,000 $147,998
    $1k-2k 59 $9,965,000 $168,898
    $2k-3k 10 $3,560,000 $356,000
    $3k-4k 1 $285,000 $285,000

    South Central Bank's average total fees were $2,768, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 637 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 520 $87,110,000 $167,519
    5-6% 256 $36,590,000 $142,930
    3-4% 96 $17,500,000 $182,292
    6-7% 42 $2,830,000 $67,381
    Over 8% 11 $275,000 $25,000
    7-8% 8 $360,000 $45,000

    During 2018, South Central Bank's average interest rate for loans was 4.63%, while their most frequently originated rate bucket for loans was 4-5%, with 520 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 397 $57,305,000 $144,345 $2,559 4.70%
    $100,000 or less 329 $21,065,000 $64,027 $1,975 5.33%
    $200k-400k 180 $45,900,000 $255,000 $3,210 4.64%
    $400k-600k 17 $7,805,000 $459,118 $4,426 4.49%
    $1MM+ 5 $8,595,000 $1,719,000 $5,539 4.99%
    $600k-1MM 5 $3,995,000 $799,000 $0 5.15%

    2018 saw South Central Bank place emphasis on $100k-200k loans with 397 originations, totaling $57,305,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 280 $27,380,000 $97,786 $2,443 4.97%
    $50k-75k 221 $30,065,000 $136,041 $2,454 4.87%
    $75k-100k 150 $25,340,000 $168,933 $2,886 4.78%
    $100k-150k 98 $17,340,000 $176,939 $2,542 4.67%
    $150k-250k 57 $12,835,000 $225,175 $2,988 4.84%
    $250k+ 22 $6,530,000 $296,818 $3,004 5.04%

    South Central Bank lent most frequently to those with incomes in the $50k or less range, with 280 originations. The second most popular income band? $50k-75k, with 221 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 174 $25,680,000 $147,586 $2,443 4.70%
    30-36% 123 $18,655,000 $151,667 $2,594 4.76%
    <20% 57 $7,695,000 $135,000 $2,076 4.85%
    44% 32 $4,960,000 $155,000 $2,864 4.60%
    42% 30 $5,040,000 $168,000 $2,966 4.69%
    38% 30 $4,080,000 $136,000 $3,047 4.59%
    41% 30 $5,040,000 $168,000 $2,547 4.92%
    50-60% 28 $3,970,000 $141,786 $3,184 4.82%
    40% 28 $4,360,000 $155,714 $2,786 4.82%
    37% 28 $4,710,000 $168,214 $2,154 4.76%
    39% 26 $3,200,000 $123,077 $2,151 4.96%
    46% 24 $3,750,000 $156,250 $3,075 4.59%
    49% 23 $4,155,000 $180,652 $3,038 4.66%
    43% 23 $3,525,000 $153,261 $2,421 4.54%
    45% 22 $3,010,000 $136,818 $2,253 4.76%
    36% 16 $2,380,000 $148,750 $2,608 4.87%
    48% 15 $2,335,000 $155,667 $2,943 4.88%
    47% 13 $2,315,000 $178,077 $2,212 5.27%
    >60% 6 $810,000 $135,000 $1,576 6.71%

    South Central Bank lent most frequently to those with DTI ratios of 20-30%, with 174 originations. The next most common DTI ratio? 30-36%, with 123 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 797 $114,595,000 $143,783 $2,562 4.89%
    Not applicable 89 $22,755,000 $255,674 $0 5.23%
    Black 20 $3,300,000 $165,000 $2,402 4.73%
    Asian 16 $2,350,000 $146,875 $3,268 4.67%
    Not provided 6 $930,000 $155,000 $2,001 4.87%
    Other Asian 1 $185,000 $185,000 $2,744 4.75%
    Chinese 1 $185,000 $185,000 $0 4.85%
    American Indian 1 $155,000 $155,000 $1,524 5.00%
    Native Hawaiian or Islander 1 $125,000 $125,000 $3,965 4.38%
    Other Pacific Islander 1 $85,000 $85,000 $433 4.13%

    Approval Rates

    Total approvals of all applications
    84.19%

    South Central Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.07%

    South Central Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    100.0 1 $5,000 $5,000
    155.0 1 $25,000 $25,000
    255.0 1 $15,000 $15,000
    2849.67 1 $25,000 $25,000
    431.12 1 $5,000 $5,000
    NA 928 $144,590,000 $155,808

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 23 $15,705,000 $682,826
    Single Family (1-4 Units):Manufactured 51 $3,275,000 $64,216
    Single Family (1-4 Units):Site-Built 859 $125,685,000 $146,315

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 42 $3,190,000 $75,952 $1,726 5.38%
    40-60% 94 $12,600,000 $134,043 $2,129 4.97%
    60-80% 269 $44,705,000 $166,190 $2,205 5.02%
    80-100% 495 $79,955,000 $161,525 $2,797 4.78%
    Over 100% 14 $2,840,000 $202,857 $5,680 4.19%
    Under 20% 18 $1,320,000 $73,333 $1,363 5.88%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    South Central Bank, Inc. 1000 North Dixie Avenue Elizabethtown, KY 42702 Full Service B&M $125,034
    South Central Bank, Inc. 1375 Carter Road Owensboro, KY 42301 Full Service B&M $24,265
    South Central Bank, Inc. 165 Beaver Trail South Glasgow, KY 42141 Full Service B&M $8,208
    South Central Bank, Inc. 1748 Edmonton Road Tompkinsville, KY 42167 Full Service B&M $9,261
    South Central Bank, Inc. 1757 Campbell Lane Bowling Green, KY 42104 Full Service B&M $90,698
    South Central Bank, Inc. 2 Main Street Fountain Run, KY 42133 Full Service B&M $12,987
    South Central Bank, Inc. 204 South Main Street Franklin, KY 42134 Full Service B&M $24,237
    South Central Bank, Inc. 208 South Broadway Glasgow, KY 42141 Full Service B&M $178,129
    South Central Bank, Inc. 2710 Nashville Road Bowling Green, KY 42101 Full Service B&M $3,078
    South Central Bank, Inc. 2715 Frederica Street Owensboro, KY 42301 Full Service B&M $51,031
    South Central Bank, Inc. 2908 Ring Road Elizabethtown, KY 42702 Full Service B&M $60,147
    South Central Bank, Inc. 300 Southtown Boulevard Owensboro, KY 42303 Full Service B&M $52,996
    South Central Bank, Inc. 3010 Highway 54 Owensboro, KY 42303 Full Service B&M $49,309
    South Central Bank, Inc. 3505 Louisville Road Bowling Green, KY 42101 Full Service B&M $19,974
    South Central Bank, Inc. 386 Waller Avenue Lexington, KY 40504 Full Service B&M $35,209
    South Central Bank, Inc. 414 East Main St Scottsville, KY 42164 Full Service B&M $22,728
    South Central Bank, Inc. 501 S L Rogers Wells Blvd Glasgow, KY 42141 Full Service Cyber Office $972
    South Central Bank, Inc. 518 North Dixie Highway Cave City, KY 42127 Full Service B&M $22,665
    South Central Bank, Inc. 5251 Scottsville Road Bowling Green, KY 42104 Full Service B&M $24,355
    South Central Bank, Inc. 615 Happy Valley Road Glasgow, KY 42141 Full Service B&M $26,029
    South Central Bank, Inc. 704 W. Stockton Edmonton, KY 42129 Full Service B&M $12,525
    South Central Bank, Inc. 805 Lehman Avenue Bowling Green, KY 42103 Full Service B&M $52,394
    South Central Bank, Inc. Fourth And Main Street Tompkinsville, KY 42167 Full Service B&M $79,334
    South Central Bank, Inc. Gorin And Second Streets Park City, KY 42160 Full Service B&M $11,001

    For 2018, South Central Bank had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $47,521
    Net interest income $38,759
    Total noninterest income $10,783
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,207
    Trading account gains and fees $0
    Additional Noninterest Income $7,576
    Pre-tax net operating income $14,508
    Securities gains (or losses, -) $-86
    Income before extraordinary items $11,616
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $11,616
    Minority interest net income $0
    Net income $11,616
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $11,685

    South Central Bank's gross interest income from loans was $47,521,000.
    South Central Bank's net interest income from loans was $38,759,000.
    South Central Bank's fee based income from loans was $3,207,000.
    South Central Bank's net income from loans was $11,616,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,762
    Provision for credit losses $1,342
    Total noninterest expense $33,692
    Salaries and employee benefits $16,610
    Premises and equipment expense $4,417
    Additional noninterest expense $12,665
    Applicable income taxes $2,806
    Net charge-offs $869
    Cash dividends $6,835

    South Central Bank's interest expense for loans was $8,762,000.
    South Central Bank's payroll and benefits expense were $16,610,000.
    South Central Bank's property, plant and equipment expenses $4,417,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 $1,036,323
    Deposits held in domestic offices $1,036,323
    Deposits by Individuals, partnerships, and corporations $905,382
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $130,897
    Deposits by Commercial banks and other depository institutions in U.S. $41
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $114,666
    Demand deposits $11,961
    Nontransaction accounts $921,657
    Money market deposit accounts (MMDAs) $66,092
    Other savings deposits (excluding MMDAs) $496,932
    Total time deposits $358,633
    Total time and savings deposits $1,024,362
    Noninterest-bearing deposits $206,495
    Interest-bearing deposits $829,828
    Retail deposits $978,265
    IRAs and Keogh plan accounts $40,175
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,195,121
    Cash & Balances due from depository institutions $96,144
    Interest-bearing balances $58,472
    Total securities $196,299
    Federal funds sold & reverse repurchase $0
    Net loans and leases $859,883
    Loan and leases loss allowance $9,740
    Trading account assets $0
    Bank premises and fixed assets $19,307
    Other real estate owned $1,395
    Goodwill and other intangibles $7,840
    All other assets $14,253

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,195,121
    Total Liabilities $1,070,635
    Total deposits $1,036,323
    Interest-bearing deposits $829,828
    Deposits held in domestic offices $1,036,323
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $26,700
    Subordinated debt $0
    All other liabilities $7,612

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $859,883
    Loan and leases loss allowance $9,740
    Total loans and leases (domestic) $869,623
    All real estate loans $747,326
    Real estate loans in domestic offices $747,326
    Construction and development loans $94,729
    Residential 1-4 family construction $16,717
    Other construction, all land development and other land $78,012
    Loans secured by nonfarm nonresidential properties $257,474
    Nonfarm nonresidential secured by owner-occupied properties $51,517
    Commercial real estate & other non-farm, non-residential $205,957
    Multifamily residential real estate $40,936
    1-4 family residential loans $252,002
    Farmland loans $102,185
    Loans held in foreign offices $0
    Farm loans $14,340
    Commercial and industrial loans $80,074
    To non-U.S. addressees $0
    Loans to individuals $23,851
    Credit card loans $0
    Related Plans $169
    Consumer Auto Loans $12,127
    Other loans to individuals $11,555
    All other loans & leases $4,032
    Loans to foreign governments and official institutions $0
    Other loans $619
    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 $8,026
    Non 1-4 family restructured loans & leases $5,675
    Total loans and leases (foreign) $0

    SOUTH CENTRAL BANK had $859,883,000 of loans outstanding in 2018. $747,326,000 of loans were in real estate loans. $94,729,000 of loans were in development loans. $40,936,000 of loans were in multifamily mortgage loans. $252,002,000 of loans were in 1-4 family mortgage loans. $14,340,000 of loans were in farm loans. $0 of loans were in credit card loans. $12,127,000 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 646 $131,398 $203,402
    Nonfarm, nonresidential loans - <$100k 273 $13,413 $49,132
    Nonfarm, nonresidential loans - $100-250k 208 $34,808 $167,346
    Nonfarm, nonresidential loans - $250k-1MM 165 $83,177 $504,103
    Commercial & Industrial, US addressed loans - <$1MM 1,076 $54,534 $50,682
    Commercial & Industrial, US addressed loans - <$100k 952 $21,362 $22,439
    Commercial & Industrial, US addressed loans - $100-250k 81 $13,056 $161,185
    Commercial & Industrial, US addressed loans - $250k-1MM 43 $20,116 $467,814
    Farmland loans - <$1MM 879 $78,942 $89,809
    Farmland loans - <$100k 611 $25,505 $41,743
    Farmland loans - $100-250k 205 $31,638 $154,332
    Farmland loans - $250k-1MM 63 $21,799 $346,016
    Agriculture operations loans - <$1MM 693 $13,676 $19,734
    Agriculture operations loans - <$100k 676 $11,058 $16,358
    Agriculture operations loans - $100-250k 16 $2,260 $141,250
    Agriculture operations loans - $250k-1MM 1 $358 $358,000