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 and Refi 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: Elizabethtown, Bowling Green, Louisville, Lexington, and Owensboro among others. We have data for 30 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

1,096

Origination Dollar Volume (All Markets)

$191,910,000

Employee count

274 Show all (17) 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
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 230 $41,900,000 $182,174 $3,457 4.09%
BOWLING GREEN, KY (FHA|USDA|VA) 251 $38,845,000 $154,761 $2,900 4.66%
LOUISVILLE, KY (FHA|USDA|VA) 68 $19,980,000 $293,824 $2,922 4.47%
Outside of Metro Areas 147 $18,635,000 $126,769 $2,897 4.74%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 93 $18,035,000 $193,925 $3,473 4.57%
OWENSBORO, KY (FHA|USDA|VA) 98 $14,510,000 $148,061 $2,532 4.77%
Glasgow, KY (FHA|USDA|VA) 133 $14,305,000 $107,556 $2,680 4.81%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $11,615,000 $11,615,000 $0 5.50%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 17 $3,855,000 $226,765 $2,565 4.83%
Bardstown, KY (FHA|USDA|VA) 6 $1,490,000 $248,333 $5,135 3.92%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $9,649 3.75%
Somerset, KY (FHA|USDA|VA) 9 $1,155,000 $128,333 $2,039 5.36%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 7 $845,000 $120,714 $2,763 4.93%
Frankfort, KY (FHA|USDA|VA) 6 $750,000 $125,000 $2,990 4.21%
Richmond-Berea, KY (FHA|USDA|VA) 3 $725,000 $241,667 $3,352 3.75%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $625,000 $89,286 $2,979 5.43%
Campbellsville, KY (FHA|USDA|VA) 4 $540,000 $135,000 $3,100 4.84%
Greenwood, SC (FHA|USDA|VA) 1 $455,000 $455,000 $0 5.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $395,000 $395,000 $5,174 4.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $395,000 $395,000 $1,205 3.88%
Sevierville, TN (FHA|USDA|VA) 1 $355,000 $355,000 $0 5.50%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $335,000 $111,667 $2,029 4.42%
PITTSBURGH, PA (FHA|USDA|VA) 1 $195,000 $195,000 $3,360 4.00%
LEBANON, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,007 3.25%
London, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,619 3.25%
Paducah, KY-IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,268 3.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.25%
Danville, KY (FHA|USDA|VA) 1 $95,000 $95,000 $3,869 3.88%
Mount Sterling, KY (FHA|USDA|VA) 1 $55,000 $55,000 $1,734 6.35%
Middlesborough, KY (FHA|USDA|VA) 1 $45,000 $45,000 $2,833 4.38%
South Central Bank's top markets include Elizabethtown, Bowling Green, Louisville, Lexington, and Owensboro among others.

Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 799 $142,015,000 $177,741 $2,393 4.81%
    FHA 128 $18,290,000 $142,891 $4,812 4.06%
    VA 98 $21,650,000 $220,918 $3,785 3.74%
    USDA 71 $9,955,000 $140,211 $3,921 3.84%

    For 2019, South Central Bank's most frequently originated type of loan was Conventional, with 799 originations. Their 2nd most popular type was FHA, with 128 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 662 $118,250,000 $178,625 $3,452 4.58%
    Refi 286 $53,940,000 $188,601 $2,361 4.49%
    Cash Out Refi 120 $17,400,000 $145,000 $2,763 4.33%
    Other 15 $1,025,000 $68,333 $1,830 6.34%
    Home Improvement 13 $1,295,000 $99,615 $1,937 5.72%

    For 2019, South Central Bank's most frequently cited loan purpose was Home Purchase, with 662 originations. The 2nd most popular reason was Refi, with 286 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 675 $117,745,000 $174,437 $3,265 4.11%
    15 Year 123 $15,015,000 $122,073 $2,370 4.41%
    20 Year 102 $14,790,000 $145,000 $2,330 5.31%
    Other 75 $11,555,000 $154,067 $1,980 6.10%
    5 Year 66 $23,680,000 $358,788 $1,102 5.51%
    1 Year 29 $4,575,000 $157,759 $2,036 5.81%
    10 Year 24 $4,540,000 $189,167 $1,369 5.82%
    3 Year 2 $10,000 $5,000 $0 6.13%

    For 2019, South Central Bank's most frequently cited loan duration was 30 Year, with 675 originations. The 2nd most popular length was 15 Year, with 123 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 750 $123,930,000 $165,240
    $1k-2k 97 $17,085,000 $176,134
    $2k-3k 7 $2,145,000 $306,429
    $4k-5k 1 $255,000 $255,000

    South Central Bank's average total fees were $3,265, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 750 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 470 $87,300,000 $185,745
    4-5% 319 $52,485,000 $164,530
    5-6% 233 $47,475,000 $203,755
    6-7% 39 $2,725,000 $69,872
    7-8% 22 $1,180,000 $53,636
    Over 8% 12 $490,000 $40,833
    2.5-3% 1 $255,000 $255,000

    During 2019, South Central Bank's average interest rate for loans was 4.11%, while their most frequently originated rate bucket for loans was 3-4%, with 470 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 495 $72,025,000 $145,505 $3,169 4.37%
    $100,000 or less 335 $21,645,000 $64,612 $2,258 5.16%
    $200k-400k 229 $61,865,000 $270,153 $3,462 4.08%
    $400k-600k 25 $11,265,000 $450,600 $3,547 4.51%
    $1MM+ 6 $20,710,000 $3,451,667 $7,591 4.82%
    $600k-1MM 6 $4,400,000 $733,333 $2,926 5.10%

    2019 saw South Central Bank place emphasis on $100k-200k loans with 495 originations, totaling $72,025,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 297 $31,045,000 $104,529 $2,941 4.65%
    $50k-75k 278 $40,200,000 $144,604 $3,189 4.45%
    $75k-100k 166 $29,190,000 $175,843 $3,056 4.37%
    $100k-150k 126 $24,540,000 $194,762 $2,776 4.26%
    $150k-250k 67 $15,855,000 $236,642 $3,688 4.45%
    $250k+ 32 $10,190,000 $318,438 $3,436 4.72%

    South Central Bank lent most frequently to those with incomes in the $50k or less range, with 297 originations. The second most popular income band? $50k-75k, with 278 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 222 $35,100,000 $158,108 $2,766 4.30%
    30-36% 168 $27,660,000 $164,643 $3,048 4.23%
    <20% 74 $12,680,000 $171,351 $2,578 4.04%
    38% 34 $5,370,000 $157,941 $3,193 4.30%
    37% 33 $5,605,000 $169,848 $3,325 4.27%
    39% 33 $5,085,000 $154,091 $3,021 4.18%
    50-60% 32 $6,550,000 $204,688 $4,766 4.39%
    41% 31 $4,745,000 $153,065 $3,091 4.73%
    40% 26 $3,480,000 $133,846 $3,643 4.38%
    43% 25 $4,785,000 $191,400 $3,262 4.47%
    42% 24 $3,810,000 $158,750 $2,782 4.54%
    49% 24 $3,830,000 $159,583 $3,322 4.27%
    44% 23 $3,875,000 $168,478 $3,276 4.28%
    36% 22 $4,610,000 $209,545 $3,161 4.49%
    48% 21 $3,315,000 $157,857 $3,283 4.46%
    45% 21 $3,845,000 $183,095 $3,760 4.37%
    47% 14 $2,480,000 $177,143 $3,545 4.04%
    46% 10 $1,510,000 $151,000 $2,931 4.38%
    >60% 5 $725,000 $145,000 $1,378 5.80%

    South Central Bank lent most frequently to those with DTI ratios of 20-30%, with 222 originations. The next most common DTI ratio? 30-36%, with 168 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 854 $131,840,000 $154,379 $2,943 4.50%
    Not applicable 108 $35,290,000 $326,759 $0 5.43%
    Not provided 72 $13,160,000 $182,778 $3,854 4.02%
    Black 37 $6,425,000 $173,649 $3,357 4.37%
    Asian 15 $3,185,000 $212,333 $3,816 4.85%
    American Indian 3 $675,000 $225,000 $2,335 4.87%
    Native Hawaiian or Islander 2 $410,000 $205,000 $2,503 5.04%
    Asian Indian 2 $390,000 $195,000 $2,521 4.50%
    Other Asian 2 $270,000 $135,000 $2,455 4.63%
    Vietnamese 1 $265,000 $265,000 $2,716 3.50%

    Approval Rates

    Total approvals of all applications
    86.94%

    South Central Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.29%

    South Central Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,096 $191,910,000 $175,100

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 22 $24,790,000 $1,126,818
    Single Family (1-4 Units):Manufactured 60 $4,150,000 $69,167
    Single Family (1-4 Units):Site-Built 1,014 $162,970,000 $160,720

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 55 $3,815,000 $69,364 $1,933 5.03%
    40-60% 101 $14,205,000 $140,644 $2,341 4.56%
    60-80% 332 $71,070,000 $214,066 $2,509 4.69%
    80-100% 557 $92,895,000 $166,777 $3,507 4.44%
    Over 100% 16 $4,150,000 $259,375 $6,864 4.17%
    Under 20% 14 $880,000 $62,857 $1,365 6.33%

    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 $113,003
    South Central Bank, Inc. 1375 Carter Road Owensboro, KY 42301 Full Service B&M $25,156
    South Central Bank, Inc. 165 Beaver Trail South Glasgow, KY 42141 Full Service B&M $9,601
    South Central Bank, Inc. 1748 Edmonton Road Tompkinsville, KY 42167 Full Service B&M $10,543
    South Central Bank, Inc. 1757 Campbell Lane Bowling Green, KY 42104 Full Service B&M $91,409
    South Central Bank, Inc. 2 Main Street Fountain Run, KY 42133 Full Service B&M $11,546
    South Central Bank, Inc. 2000 Warrington Way Suite 200 Louisville, KY 40222 Full Service B&M $17,729
    South Central Bank, Inc. 204 South Main Street Franklin, KY 42134 Full Service B&M $24,424
    South Central Bank, Inc. 208 South Broadway Glasgow, KY 42141 Full Service B&M $173,994
    South Central Bank, Inc. 2710 Nashville Road Bowling Green, KY 42101 Full Service B&M $2,984
    South Central Bank, Inc. 2715 Frederica Street Owensboro, KY 42301 Full Service B&M $45,073
    South Central Bank, Inc. 2908 Ring Road Elizabethtown, KY 42702 Full Service B&M $60,577
    South Central Bank, Inc. 300 Southtown Boulevard Owensboro, KY 42303 Full Service B&M $54,615
    South Central Bank, Inc. 3010 Highway 54 Owensboro, KY 42303 Full Service B&M $56,541
    South Central Bank, Inc. 3505 Louisville Road Bowling Green, KY 42101 Full Service B&M $25,636
    South Central Bank, Inc. 386 Waller Avenue Lexington, KY 40504 Full Service B&M $32,474
    South Central Bank, Inc. 414 East Main St Scottsville, KY 42164 Full Service B&M $28,460
    South Central Bank, Inc. 501 S L Rogers Wells Blvd Glasgow, KY 42141 Full Service Cyber Office $1,204
    South Central Bank, Inc. 518 North Dixie Highway Cave City, KY 42127 Full Service B&M $26,482
    South Central Bank, Inc. 5251 Scottsville Road Bowling Green, KY 42104 Full Service B&M $26,732
    South Central Bank, Inc. 615 Happy Valley Road Glasgow, KY 42141 Full Service B&M $24,773
    South Central Bank, Inc. 704 W. Stockton Edmonton, KY 42129 Full Service B&M $14,406
    South Central Bank, Inc. 805 Lehman Avenue Bowling Green, KY 42103 Full Service B&M $54,133
    South Central Bank, Inc. Fourth And Main Street Tompkinsville, KY 42167 Full Service B&M $72,849
    South Central Bank, Inc. Gorin And Second Streets Park City, KY 42160 Full Service B&M $11,173

    For 2019, South Central Bank had 25 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $51,690
    Net interest income $40,622
    Total noninterest income $12,256
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,149
    Trading account gains and fees $0
    Additional Noninterest Income $9,107
    Pre-tax net operating income $17,194
    Securities gains (or losses, -) $129
    Income before extraordinary items $14,055
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,055
    Minority interest net income $0
    Net income $14,055
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $13,950

    South Central Bank's gross interest income from loans was $51,690,000.
    South Central Bank's net interest income from loans was $40,622,000.
    South Central Bank's fee based income from loans was $3,149,000.
    South Central Bank's net income from loans was $14,055,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,068
    Provision for credit losses $652
    Total noninterest expense $35,032
    Salaries and employee benefits $17,637
    Premises and equipment expense $4,284
    Additional noninterest expense $13,111
    Applicable income taxes $3,268
    Net charge-offs $212
    Cash dividends $7,800

    South Central Bank's interest expense for loans was $11,068,000.
    South Central Bank's payroll and benefits expense were $17,637,000.
    South Central Bank's property, plant and equipment expenses $4,284,000.

    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 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 $1,084,769
    Deposits held in domestic offices $1,084,769
    Deposits by Individuals, partnerships, and corporations $957,125
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $127,644
    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 $141,757
    Demand deposits $21,186
    Nontransaction accounts $943,012
    Money market deposit accounts (MMDAs) $75,448
    Other savings deposits (excluding MMDAs) $512,273
    Total time deposits $355,291
    Total time and savings deposits $1,063,583
    Noninterest-bearing deposits $221,383
    Interest-bearing deposits $863,386
    Retail deposits $1,010,383
    IRAs and Keogh plan accounts $39,517
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,275,110
    Cash & Balances due from depository institutions $140,895
    Interest-bearing balances $117,762
    Total securities $185,218
    Federal funds sold & reverse repurchase $0
    Net loans and leases $908,882
    Loan and leases loss allowance $10,179
    Trading account assets $0
    Bank premises and fixed assets $19,167
    Other real estate owned $20
    Goodwill and other intangibles $7,285
    All other assets $13,643

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,275,110
    Total Liabilities $1,138,975
    Total deposits $1,084,769
    Interest-bearing deposits $863,386
    Deposits held in domestic offices $1,084,769
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $11,816
    Trading liabilities $0
    Other borrowed funds $20,037
    Subordinated debt $0
    All other liabilities $22,353

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $908,882
    Loan and leases loss allowance $10,179
    Total loans and leases (domestic) $919,061
    All real estate loans $795,571
    Real estate loans in domestic offices $795,571
    Construction and development loans $103,377
    Residential 1-4 family construction $19,609
    Other construction, all land development and other land $83,768
    Loans secured by nonfarm nonresidential properties $288,258
    Nonfarm nonresidential secured by owner-occupied properties $56,945
    Commercial real estate & other non-farm, non-residential $231,313
    Multifamily residential real estate $33,837
    1-4 family residential loans $263,061
    Farmland loans $107,038
    Loans held in foreign offices $0
    Farm loans $13,663
    Commercial and industrial loans $86,384
    To non-U.S. addressees $0
    Loans to individuals $21,409
    Credit card loans $0
    Related Plans $292
    Consumer Auto Loans $11,331
    Other loans to individuals $9,786
    All other loans & leases $2,034
    Loans to foreign governments and official institutions $0
    Other loans $437
    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 $2,744
    Non 1-4 family restructured loans & leases $1,076
    Total loans and leases (foreign) $0

    SOUTH CENTRAL BANK had $908,882,000 of loans outstanding in 2019. $795,571,000 of loans were in real estate loans. $103,377,000 of loans were in development loans. $33,837,000 of loans were in multifamily mortgage loans. $263,061,000 of loans were in 1-4 family mortgage loans. $13,663,000 of loans were in farm loans. $0 of loans were in credit card loans. $11,331,000 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 $132,682 $205,390
    Nonfarm, nonresidential loans - <$100k 269 $13,005 $48,346
    Nonfarm, nonresidential loans - $100-250k 216 $35,922 $166,306
    Nonfarm, nonresidential loans - $250k-1MM 161 $83,755 $520,217
    Commercial & Industrial, US addressed loans - <$1MM 1,010 $55,178 $54,632
    Commercial & Industrial, US addressed loans - <$100k 888 $22,183 $24,981
    Commercial & Industrial, US addressed loans - $100-250k 76 $12,711 $167,250
    Commercial & Industrial, US addressed loans - $250k-1MM 46 $20,284 $440,957
    Farmland loans - <$1MM 878 $79,645 $90,712
    Farmland loans - <$100k 611 $25,892 $42,376
    Farmland loans - $100-250k 205 $32,425 $158,171
    Farmland loans - $250k-1MM 62 $21,328 $344,000
    Agriculture operations loans - <$1MM 685 $12,825 $18,723
    Agriculture operations loans - <$100k 671 $10,689 $15,930
    Agriculture operations loans - $100-250k 13 $1,786 $137,385
    Agriculture operations loans - $250k-1MM 1 $350 $350,000