Magnolia Bank Mortgage Rates, Fees & Info

Magnolia, KY

LEI: 549300REENMLD2RN3W58

Tax ID: 61-0126230

4.4 stars - out of 5 stars, based on 92 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Magnolia Bank is a small bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Magnolia Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Louisville/jefferson County, Augusta, Washington, and Asheville among others. We have data for 555 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Magnolia 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. Magnolia Bank is typically an average 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
    30 Year Conventional Purchase 6.98% 11/27/22
    30 Year Conventional Refi 6.87% 11/27/22
    30 Year Cash-out Refi 7.04% 11/27/22
    30 Year FHA Purchase 7.69% 11/27/22
    30 Year FHA Refi 7.43% 11/27/22
    30 Year VA Purchase 6.72% 11/27/22
    30 Year VA Refi 6.28% 11/27/22
    30 Year USDA Purchase 7.12% 11/27/22
    30 Year USDA Refi 6.94% 11/27/22
    15 Year Conventional Purchase 6.27% 11/27/22
    15 Year Conventional Refi 6.24% 11/27/22
    15 Year Cash-out Refi 6.24% 11/27/22
    15 Year FHA Refi 7.16% 11/27/22
    15 Year VA Purchase 6.05% 11/27/22
    15 Year VA Refi 6.32% 11/27/22
    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.


    Originations

    8,385

    Origination Dollar Volume (All Markets)

    $2,008,325,000

    Employee count

    376 Show all (54) awards

    Relative Rate

    Magnolia Bank's average 30 year fixed mortgage rate was 2.92%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.23%.

    Relative Fees (Closing Costs)

    Magnolia Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $6,100.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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 676 $128,070,000 $189,453 $4,678 2.96%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 466 $109,540,000 $235,064 $5,215 2.89%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 501 $106,625,000 $212,824 $4,057 3.09%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 285 $60,135,000 $211,000 $4,204 2.83%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 152 $54,460,000 $358,289 $7,958 2.83%
    ASHEVILLE, NC (FHA|USDA|VA) 183 $43,685,000 $238,716 $3,502 2.85%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 153 $43,465,000 $284,085 $5,737 2.99%
    COLUMBIA, SC (FHA|USDA|VA) 202 $41,950,000 $207,673 $4,153 2.85%
    BOWLING GREEN, KY (FHA|USDA|VA) 178 $39,680,000 $222,921 $3,477 2.89%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 148 $34,720,000 $234,595 $6,776 2.83%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 94 $33,090,000 $352,021 $8,953 3.02%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 85 $32,205,000 $378,882 $11,750 2.89%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 103 $29,415,000 $285,583 $8,547 2.76%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 111 $29,045,000 $261,667 $5,578 2.98%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 86 $24,480,000 $284,651 $7,190 2.96%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 83 $21,415,000 $258,012 $6,529 2.68%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 44 $20,950,000 $476,136 $9,373 2.74%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 79 $20,905,000 $264,620 $5,994 2.93%
    SAVANNAH, GA (FHA|USDA|VA) 86 $20,000,000 $232,558 $4,919 2.84%
    FLORENCE, SC (FHA|USDA|VA) 100 $19,610,000 $196,100 $4,993 3.13%
    JACKSON, MS (FHA|USDA|VA) 82 $19,380,000 $236,341 $3,850 2.89%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 64 $18,800,000 $293,750 $8,325 2.62%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 107 $18,765,000 $175,374 $3,647 3.36%
    Bardstown, KY (FHA|USDA|VA) 93 $18,135,000 $195,000 $3,615 2.96%
    RALEIGH-CARY, NC (FHA|USDA|VA) 62 $17,110,000 $275,968 $4,289 2.95%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 55 $17,035,000 $309,727 $8,234 2.87%
    COLUMBUS, OH (FHA|USDA|VA) 77 $16,255,000 $211,104 $6,320 3.17%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 83 $16,175,000 $194,880 $4,713 3.03%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 87 $15,425,000 $177,299 $5,255 3.00%
    Paducah, KY-IL (FHA|USDA|VA) 84 $15,140,000 $180,238 $3,486 2.93%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 38 $14,590,000 $383,947 $10,594 3.23%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 65 $14,565,000 $224,077 $4,997 2.93%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 55 $14,415,000 $262,091 $7,107 2.79%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 58 $14,060,000 $242,414 $8,255 2.71%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 30 $13,820,000 $460,667 $9,465 2.91%
    Mayfield, KY (FHA|USDA|VA) 76 $13,480,000 $177,368 $3,379 2.78%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 50 $13,330,000 $266,600 $6,493 2.73%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 50 $13,230,000 $264,600 $9,446 2.79%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 43 $13,205,000 $307,093 $8,584 2.87%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 38 $12,740,000 $335,263 $10,112 2.68%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 38 $12,310,000 $323,947 $8,147 2.79%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 53 $12,115,000 $228,585 $4,877 2.87%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 44 $12,110,000 $275,227 $8,329 2.66%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 42 $11,530,000 $274,524 $6,588 2.86%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 47 $11,305,000 $240,532 $5,304 2.67%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 41 $10,735,000 $261,829 $6,767 2.74%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 33 $10,565,000 $320,152 $9,478 2.88%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 53 $10,195,000 $192,358 $5,217 3.08%
    Jefferson, GA (FHA|USDA|VA) 38 $9,850,000 $259,211 $6,211 2.97%
    JACKSONVILLE, FL (FHA|USDA|VA) 34 $9,600,000 $282,353 $6,524 2.85%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 36 $9,520,000 $264,444 $5,819 2.97%
    HUNTSVILLE, AL (FHA|USDA|VA) 40 $9,200,000 $230,000 $5,852 2.93%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 31 $8,845,000 $285,323 $9,619 2.56%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 26 $8,820,000 $339,231 $11,021 2.64%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 20 $8,480,000 $424,000 $7,319 2.98%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 52 $8,440,000 $162,308 $3,457 2.79%
    ALBUQUERQUE, NM (FHA|USDA|VA) 37 $8,305,000 $224,459 $6,675 2.62%
    SUMTER, SC (FHA|USDA|VA) 40 $7,980,000 $199,500 $3,689 2.93%
    SALT LAKE CITY, UT (FHA|USDA|VA) 27 $7,795,000 $288,704 $9,208 2.67%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 15 $7,735,000 $515,667 $10,586 2.66%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 25 $7,635,000 $305,400 $10,333 2.65%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 28 $7,570,000 $270,357 $5,383 2.91%
    RICHMOND, VA (FHA|USDA|VA) 33 $7,425,000 $225,000 $6,131 2.80%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 34 $7,310,000 $215,000 $6,873 2.85%
    ANCHORAGE, AK (FHA|USDA|VA) 23 $7,225,000 $314,130 $8,028 2.47%
    Murray, KY (FHA|USDA|VA) 36 $7,110,000 $197,500 $3,633 2.83%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 32 $6,970,000 $217,813 $5,979 2.74%
    FAYETTEVILLE, NC (FHA|USDA|VA) 33 $6,955,000 $210,758 $6,047 2.66%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 24 $6,710,000 $279,583 $6,479 3.10%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 31 $6,515,000 $210,161 $7,388 2.75%
    BOISE CITY, ID (FHA|USDA|VA) 24 $6,510,000 $271,250 $11,782 2.61%
    AKRON, OH (FHA|USDA|VA) 30 $6,450,000 $215,000 $5,652 2.94%
    COLUMBIA, MO (FHA|USDA|VA) 30 $6,380,000 $212,667 $4,833 2.92%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 28 $6,180,000 $220,714 $5,548 2.93%
    Shelbyville, TN (FHA|USDA|VA) 30 $6,030,000 $201,000 $3,563 2.95%
    Greenville, MS (FHA|USDA|VA) 32 $5,810,000 $181,563 $5,635 2.96%
    RENO, NV (FHA|USDA|VA) 17 $5,645,000 $332,059 $7,554 2.73%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 23 $5,445,000 $236,739 $6,821 2.72%
    Farmington, MO (FHA|USDA|VA) 34 $5,340,000 $157,059 $3,124 2.90%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 23 $5,195,000 $225,870 $6,809 2.91%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 22 $5,190,000 $235,909 $6,597 2.72%
    Torrington, CT (FHA|USDA|VA) 21 $5,165,000 $245,952 $5,388 3.17%
    URBAN HONOLULU, HI (FHA|USDA|VA) 8 $5,120,000 $640,000 $13,329 2.72%
    Corsicana, TX (FHA|USDA|VA) 24 $5,040,000 $210,000 $4,885 3.10%
    DOVER, DE (FHA|USDA|VA) 20 $4,910,000 $245,500 $8,265 2.69%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 19 $4,705,000 $247,632 $6,836 2.70%
    LaGrange, GA-AL (FHA|USDA|VA) 28 $4,640,000 $165,714 $5,861 3.06%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 20 $4,620,000 $231,000 $5,702 2.76%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 20 $4,580,000 $229,000 $4,866 2.79%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 16 $4,560,000 $285,000 $5,919 2.53%
    Glasgow, KY (FHA|USDA|VA) 29 $4,555,000 $157,069 $4,740 3.43%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 17 $4,515,000 $265,588 $6,035 2.87%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 17 $4,475,000 $263,235 $7,119 2.82%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 18 $4,380,000 $243,333 $7,404 2.74%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 20 $4,360,000 $218,000 $6,337 2.73%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 16 $4,340,000 $271,250 $8,293 2.83%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 21 $4,225,000 $201,190 $5,836 2.87%
    TUCSON, AZ (FHA|USDA|VA) 17 $4,195,000 $246,765 $9,172 2.79%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 19 $4,145,000 $218,158 $3,367 2.87%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 14 $4,140,000 $295,714 $6,591 2.94%
    PROVO-OREM, UT (FHA|USDA|VA) 14 $3,990,000 $285,000 $6,996 2.53%
    WORCESTER, MA-CT (FHA|USDA|VA) 15 $3,965,000 $264,333 $7,798 2.72%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 15 $3,925,000 $261,667 $6,949 2.78%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 18 $3,740,000 $207,778 $4,635 3.07%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 19 $3,665,000 $192,895 $6,711 2.74%
    Columbus, MS (FHA|USDA|VA) 20 $3,600,000 $180,000 $3,826 2.80%
    Orangeburg, SC (FHA|USDA|VA) 18 $3,210,000 $178,333 $4,628 2.94%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 10 $3,200,000 $320,000 $8,920 2.78%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 13 $3,175,000 $244,231 $6,355 3.02%
    KNOXVILLE, TN (FHA|USDA|VA) 14 $3,100,000 $221,429 $6,351 2.82%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 12 $3,070,000 $255,833 $6,897 2.67%
    Campbellsville, KY (FHA|USDA|VA) 22 $3,060,000 $139,091 $3,200 2.82%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 13 $2,965,000 $228,077 $4,577 2.66%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 10 $2,960,000 $296,000 $11,229 2.80%
    Frankfort, KY (FHA|USDA|VA) 15 $2,825,000 $188,333 $4,475 2.96%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 12 $2,810,000 $234,167 $7,220 2.85%
    GREELEY, CO (FHA|USDA|VA) 10 $2,800,000 $280,000 $8,337 3.01%
    JACKSONVILLE, NC (FHA|USDA|VA) 11 $2,765,000 $251,364 $5,799 2.62%
    Mineral Wells, TX (FHA|USDA|VA) 16 $2,740,000 $171,250 $4,868 3.34%
    FRESNO, CA (FHA|USDA|VA) 10 $2,640,000 $264,000 $5,868 2.64%
    SPRINGFIELD, MO (FHA|USDA|VA) 11 $2,625,000 $238,636 $7,928 2.77%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 9 $2,605,000 $289,444 $6,575 3.10%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 11 $2,565,000 $233,182 $6,000 2.68%
    TULSA, OK (FHA|USDA|VA) 12 $2,550,000 $212,500 $7,903 2.54%
    SPARTANBURG, SC (FHA|USDA|VA) 11 $2,535,000 $230,455 $3,221 2.97%
    DECATUR, AL (FHA|USDA|VA) 8 $2,530,000 $316,250 $8,108 2.64%
    Kapaa, HI (FHA|USDA|VA) 4 $2,420,000 $605,000 $5,726 3.40%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 9 $2,395,000 $266,111 $11,393 2.69%
    PANAMA CITY, FL (FHA|USDA|VA) 10 $2,330,000 $233,000 $6,146 2.86%
    MEDFORD, OR (FHA|USDA|VA) 9 $2,315,000 $257,222 $5,916 2.40%
    MODESTO, CA (FHA|USDA|VA) 8 $2,260,000 $282,500 $5,711 2.58%
    Outside of Metro Areas 7 $2,255,000 $322,143 $9,493 2.46%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 8 $2,240,000 $280,000 $7,138 2.70%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 11 $2,235,000 $203,182 $5,935 2.82%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 9 $2,225,000 $247,222 $6,036 2.76%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 10 $2,210,000 $221,000 $7,520 3.23%
    PITTSBURGH, PA (FHA|USDA|VA) 10 $2,140,000 $214,000 $7,881 2.81%
    WILMINGTON, NC (FHA|USDA|VA) 8 $2,100,000 $262,500 $4,755 2.67%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 8 $2,090,000 $261,250 $7,890 2.73%
    SALEM, OR (FHA|USDA|VA) 8 $2,080,000 $260,000 $9,820 2.38%
    CHEYENNE, WY (FHA|USDA|VA) 7 $2,045,000 $292,143 $10,822 2.55%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $2,040,000 $255,000 $5,853 3.11%
    GAINESVILLE, GA (FHA|USDA|VA) 7 $2,035,000 $290,714 $6,114 2.95%
    Statesboro, GA (FHA|USDA|VA) 9 $2,015,000 $223,889 $5,360 2.78%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 9 $2,005,000 $222,778 $6,989 2.76%
    VALLEJO, CA (FHA|USDA|VA) 5 $1,975,000 $395,000 $10,270 2.75%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 9 $1,975,000 $219,444 $7,332 2.44%
    SALISBURY, MD-DE (FHA|USDA|VA) 8 $1,960,000 $245,000 $8,095 3.22%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 7 $1,955,000 $279,286 $7,899 2.77%
    VISALIA, CA (FHA|USDA|VA) 7 $1,945,000 $277,857 $10,237 2.61%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 11 $1,935,000 $175,909 $5,161 3.05%
    WICHITA, KS (FHA|USDA|VA) 8 $1,930,000 $241,250 $7,345 2.80%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 10 $1,920,000 $192,000 $4,905 3.25%
    TUSCALOOSA, AL (FHA|USDA|VA) 7 $1,905,000 $272,143 $7,804 2.98%
    WINSTON-SALEM, NC (FHA|USDA|VA) 12 $1,900,000 $158,333 $5,044 2.79%
    OCALA, FL (FHA|USDA|VA) 8 $1,880,000 $235,000 $7,008 2.80%
    BRUNSWICK, GA (FHA|USDA|VA) 6 $1,880,000 $313,333 $5,032 2.96%
    TALLAHASSEE, FL (FHA|USDA|VA) 7 $1,865,000 $266,429 $5,185 2.73%
    BATON ROUGE, LA (FHA|USDA|VA) 7 $1,865,000 $266,429 $8,476 2.86%
    Scottsburg, IN (FHA|USDA|VA) 8 $1,860,000 $232,500 $6,672 2.84%
    WARNER ROBINS, GA (FHA|USDA|VA) 6 $1,860,000 $310,000 $10,051 2.42%
    LINCOLN, NE (FHA|USDA|VA) 6 $1,850,000 $308,333 $7,320 2.92%
    Cullowhee, NC (FHA|USDA|VA) 8 $1,850,000 $231,250 $3,829 2.72%
    Coos Bay, OR (FHA|USDA|VA) 7 $1,825,000 $260,714 $7,710 2.46%
    ROANOKE, VA (FHA|USDA|VA) 5 $1,795,000 $359,000 $9,029 2.85%
    Pahrump, NV (FHA|USDA|VA) 7 $1,785,000 $255,000 $8,603 2.78%
    BAKERSFIELD, CA (FHA|USDA|VA) 8 $1,770,000 $221,250 $7,927 2.95%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 9 $1,745,000 $193,889 $6,483 2.61%
    MONTGOMERY, AL (FHA|USDA|VA) 9 $1,725,000 $191,667 $6,129 3.14%
    Indianola, MS (FHA|USDA|VA) 9 $1,715,000 $190,556 $6,056 3.18%
    Newberry, SC (FHA|USDA|VA) 6 $1,710,000 $285,000 $4,256 3.00%
    Klamath Falls, OR (FHA|USDA|VA) 7 $1,675,000 $239,286 $7,861 3.11%
    SPRINGFIELD, MA (FHA|USDA|VA) 7 $1,675,000 $239,286 $5,212 3.02%
    FORT COLLINS, CO (FHA|USDA|VA) 5 $1,665,000 $333,000 $12,834 2.50%
    Toccoa, GA (FHA|USDA|VA) 10 $1,640,000 $164,000 $4,349 2.85%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 6 $1,640,000 $273,333 $4,369 3.12%
    Roseburg, OR (FHA|USDA|VA) 7 $1,635,000 $233,571 $8,958 2.71%
    CARSON CITY, NV (FHA|USDA|VA) 4 $1,610,000 $402,500 $11,630 2.53%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $1,595,000 $319,000 $11,158 2.88%
    Helena, MT (FHA|USDA|VA) 6 $1,580,000 $263,333 $9,410 2.92%
    COLUMBUS, GA-AL (FHA|USDA|VA) 9 $1,545,000 $171,667 $5,305 2.71%
    SANTA FE, NM (FHA|USDA|VA) 6 $1,520,000 $253,333 $8,848 2.56%
    LONGVIEW, WA (FHA|USDA|VA) 5 $1,515,000 $303,000 $13,771 2.60%
    PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,500,000 $250,000 $9,385 2.73%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $1,460,000 $365,000 $8,009 2.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,450,000 $362,500 $11,162 2.59%
    Oak Harbor, WA (FHA|USDA|VA) 4 $1,390,000 $347,500 $10,866 2.69%
    PUEBLO, CO (FHA|USDA|VA) 5 $1,375,000 $275,000 $12,315 2.93%
    Cornelia, GA (FHA|USDA|VA) 5 $1,375,000 $275,000 $5,758 3.02%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $1,365,000 $273,000 $6,384 2.60%
    Cleveland, MS (FHA|USDA|VA) 8 $1,350,000 $168,750 $5,640 2.94%
    Richmond-Berea, KY (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,052 2.75%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 5 $1,315,000 $263,000 $7,180 2.83%
    Granbury, TX (FHA|USDA|VA) 5 $1,305,000 $261,000 $6,976 2.97%
    Warrensburg, MO (FHA|USDA|VA) 5 $1,225,000 $245,000 $9,433 2.82%
    Starkville, MS (FHA|USDA|VA) 5 $1,215,000 $243,000 $4,735 3.03%
    CASPER, WY (FHA|USDA|VA) 4 $1,200,000 $300,000 $7,697 2.81%
    Mountain Home, ID (FHA|USDA|VA) 4 $1,200,000 $300,000 $10,488 2.69%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 7 $1,195,000 $170,714 $4,041 3.18%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $1,190,000 $297,500 $7,855 2.81%
    KINGSTON, NY (FHA|USDA|VA) 4 $1,190,000 $297,500 $13,490 2.88%
    YORK-HANOVER, PA (FHA|USDA|VA) 4 $1,180,000 $295,000 $12,418 2.63%
    Sonora, CA (FHA|USDA|VA) 4 $1,180,000 $295,000 $7,785 2.81%
    ST. GEORGE, UT (FHA|USDA|VA) 4 $1,180,000 $295,000 $3,570 2.50%
    Albertville, AL (FHA|USDA|VA) 4 $1,170,000 $292,500 $5,507 3.13%
    ROCHESTER, NY (FHA|USDA|VA) 5 $1,155,000 $231,000 $5,474 2.85%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $1,150,000 $287,500 $6,925 2.72%
    Somerset, KY (FHA|USDA|VA) 6 $1,150,000 $191,667 $4,640 2.69%
    REDDING, CA (FHA|USDA|VA) 4 $1,150,000 $287,500 $7,194 2.78%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $1,145,000 $381,667 $6,248 2.79%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 6 $1,140,000 $190,000 $4,612 3.27%
    MERCED, CA (FHA|USDA|VA) 3 $1,135,000 $378,333 $12,056 2.38%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $1,130,000 $282,500 $7,950 3.12%
    Cañon City, CO (FHA|USDA|VA) 4 $1,060,000 $265,000 $13,109 3.03%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $1,060,000 $265,000 $9,073 2.91%
    Cedartown, GA (FHA|USDA|VA) 5 $1,055,000 $211,000 $4,480 3.13%
    Marion, NC (FHA|USDA|VA) 4 $1,050,000 $262,500 $6,857 3.13%
    HINESVILLE, GA (FHA|USDA|VA) 5 $1,025,000 $205,000 $7,928 2.55%
    GRANTS PASS, OR (FHA|USDA|VA) 3 $1,015,000 $338,333 $9,693 2.33%
    Blackfoot, ID (FHA|USDA|VA) 4 $1,000,000 $250,000 $13,136 2.91%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $1,000,000 $250,000 $6,928 2.59%
    Astoria, OR (FHA|USDA|VA) 3 $985,000 $328,333 $8,292 2.46%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 5 $975,000 $195,000 $4,403 2.55%
    Laramie, WY (FHA|USDA|VA) 3 $965,000 $321,667 $11,776 2.29%
    Hilo, HI (FHA|USDA|VA) 3 $965,000 $321,667 $7,190 2.87%
    Poplar Bluff, MO (FHA|USDA|VA) 7 $965,000 $137,857 $2,142 2.71%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $960,000 $480,000 $7,231 2.93%
    DANVILLE, IL (FHA|USDA|VA) 7 $955,000 $136,429 $4,164 2.59%
    JEFFERSON CITY, MO (FHA|USDA|VA) 4 $950,000 $237,500 $8,949 2.66%
    MADERA, CA (FHA|USDA|VA) 3 $945,000 $315,000 $6,918 2.54%
    Kalispell, MT (FHA|USDA|VA) 4 $930,000 $232,500 $5,435 2.62%
    Boone, NC (FHA|USDA|VA) 3 $915,000 $305,000 $8,709 2.54%
    Key West, FL (FHA|USDA|VA) 3 $905,000 $301,667 $11,089 3.13%
    GREAT FALLS, MT (FHA|USDA|VA) 4 $890,000 $222,500 $4,905 2.28%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $885,000 $295,000 $4,458 3.25%
    MOBILE, AL (FHA|USDA|VA) 5 $855,000 $171,000 $5,527 2.75%
    FARGO, ND-MN (FHA|USDA|VA) 4 $840,000 $210,000 $4,961 2.47%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $840,000 $210,000 $6,629 2.47%
    Shelton, WA (FHA|USDA|VA) 3 $835,000 $278,333 $9,059 2.75%
    ANN ARBOR, MI (FHA|USDA|VA) 4 $830,000 $207,500 $7,728 2.84%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $825,000 $275,000 $6,483 2.42%
    Madison, IN (FHA|USDA|VA) 4 $820,000 $205,000 $3,491 3.06%
    Cookeville, TN (FHA|USDA|VA) 4 $820,000 $205,000 $4,857 2.56%
    MUSKEGON, MI (FHA|USDA|VA) 3 $815,000 $271,667 $5,384 2.29%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $810,000 $405,000 $5,893 3.06%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $810,000 $202,500 $7,736 3.06%
    GRAND JUNCTION, CO (FHA|USDA|VA) 4 $810,000 $202,500 $4,456 2.53%
    Butte-Silver Bow, MT (FHA|USDA|VA) 3 $805,000 $268,333 $8,520 3.46%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 5 $805,000 $161,000 $3,885 2.55%
    Morehead City, NC (FHA|USDA|VA) 3 $805,000 $268,333 $5,607 2.50%
    Ontario, OR-ID (FHA|USDA|VA) 3 $805,000 $268,333 $8,045 2.91%
    Newport, OR (FHA|USDA|VA) 2 $800,000 $400,000 $5,869 2.87%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $800,000 $400,000 $9,689 2.56%
    VALDOSTA, GA (FHA|USDA|VA) 4 $780,000 $195,000 $6,669 3.13%
    Scottsboro, AL (FHA|USDA|VA) 3 $765,000 $255,000 $9,326 3.25%
    Milledgeville, GA (FHA|USDA|VA) 2 $760,000 $380,000 $6,813 2.75%
    FORT SMITH, AR-OK (FHA|USDA|VA) 3 $755,000 $251,667 $6,050 2.29%
    Sandusky, OH (FHA|USDA|VA) 2 $750,000 $375,000 $12,198 2.75%
    BISMARCK, ND (FHA|USDA|VA) 3 $745,000 $248,333 $8,266 2.58%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $740,000 $370,000 $6,153 2.75%
    DULUTH, MN-WI (FHA|USDA|VA) 4 $730,000 $182,500 $6,245 2.78%
    Port Angeles, WA (FHA|USDA|VA) 2 $710,000 $355,000 $12,244 2.56%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $705,000 $705,000 $17,472 2.75%
    Sevierville, TN (FHA|USDA|VA) 3 $705,000 $235,000 $4,667 3.04%
    SALINAS, CA (FHA|USDA|VA) 2 $700,000 $350,000 $6,719 2.25%
    Gillette, WY (FHA|USDA|VA) 2 $700,000 $350,000 $5,872 2.81%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $690,000 $172,500 $3,276 2.66%
    Georgetown, SC (FHA|USDA|VA) 4 $690,000 $172,500 $4,813 2.78%
    STOCKTON, CA (FHA|USDA|VA) 2 $690,000 $345,000 $11,502 2.75%
    EL PASO, TX (FHA|USDA|VA) 4 $680,000 $170,000 $3,285 2.44%
    TEXARKANA, TX-AR (FHA|USDA|VA) 2 $670,000 $335,000 $8,578 2.25%
    Centralia, WA (FHA|USDA|VA) 2 $670,000 $335,000 $8,928 2.56%
    Crossville, TN (FHA|USDA|VA) 3 $665,000 $221,667 $4,192 2.71%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $665,000 $221,667 $6,832 2.79%
    Payson, AZ (FHA|USDA|VA) 2 $660,000 $330,000 $9,837 3.13%
    Laconia, NH (FHA|USDA|VA) 2 $660,000 $330,000 $6,233 3.00%
    MONROE, MI (FHA|USDA|VA) 3 $655,000 $218,333 $5,929 2.71%
    LAS CRUCES, NM (FHA|USDA|VA) 3 $655,000 $218,333 $6,305 2.67%
    TERRE HAUTE, IN (FHA|USDA|VA) 3 $655,000 $218,333 $3,902 3.29%
    LANCASTER, PA (FHA|USDA|VA) 3 $645,000 $215,000 $8,012 2.54%
    IDAHO FALLS, ID (FHA|USDA|VA) 2 $640,000 $320,000 $13,676 2.94%
    BOULDER, CO (FHA|USDA|VA) 2 $640,000 $320,000 $3,131 2.87%
    Sikeston, MO (FHA|USDA|VA) 5 $635,000 $127,000 $3,478 3.33%
    Gaffney, SC (FHA|USDA|VA) 3 $635,000 $211,667 $5,194 3.13%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $625,000 $208,333 $3,906 2.54%
    RACINE, WI (FHA|USDA|VA) 3 $625,000 $208,333 $5,873 2.63%
    Eureka-Arcata, CA (FHA|USDA|VA) 3 $615,000 $205,000 $6,763 2.54%
    Brevard, NC (FHA|USDA|VA) 3 $615,000 $205,000 $3,573 3.04%
    Moses Lake, WA (FHA|USDA|VA) 3 $615,000 $205,000 $6,163 3.00%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $615,000 $205,000 $6,734 2.33%
    Riverton, WY (FHA|USDA|VA) 2 $610,000 $305,000 $12,330 3.13%
    Forest City, NC (FHA|USDA|VA) 4 $610,000 $152,500 $2,677 2.81%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $605,000 $201,667 $4,583 2.83%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $600,000 $300,000 $5,917 2.87%
    The Dalles, OR (FHA|USDA|VA) 2 $600,000 $300,000 $13,230 2.69%
    MANKATO, MN (FHA|USDA|VA) 2 $600,000 $300,000 $8,036 2.50%
    Clearlake, CA (FHA|USDA|VA) 2 $590,000 $295,000 $4,919 2.56%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 3 $585,000 $195,000 $6,351 2.71%
    FLINT, MI (FHA|USDA|VA) 2 $580,000 $290,000 $9,961 3.00%
    GOLDSBORO, NC (FHA|USDA|VA) 2 $570,000 $285,000 $8,692 3.00%
    TOLEDO, OH (FHA|USDA|VA) 3 $565,000 $188,333 $4,564 2.96%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $560,000 $280,000 $5,466 3.31%
    LYNCHBURG, VA (FHA|USDA|VA) 3 $555,000 $185,000 $5,799 2.33%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $550,000 $275,000 $14,899 2.56%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $550,000 $275,000 $20,912 2.69%
    Seneca, SC (FHA|USDA|VA) 2 $550,000 $275,000 $7,233 3.06%
    HOT SPRINGS, AR (FHA|USDA|VA) 2 $540,000 $270,000 $7,587 2.75%
    Concord, NH (FHA|USDA|VA) 2 $540,000 $270,000 $5,549 3.38%
    Williston, ND (FHA|USDA|VA) 2 $530,000 $265,000 $2,996 2.31%
    Picayune, MS (FHA|USDA|VA) 3 $525,000 $175,000 $4,739 2.79%
    DOTHAN, AL (FHA|USDA|VA) 3 $525,000 $175,000 $5,840 2.79%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $520,000 $260,000 $12,752 2.56%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $515,000 $171,667 $4,064 2.67%
    TYLER, TX (FHA|USDA|VA) 3 $515,000 $171,667 $4,745 2.58%
    HATTIESBURG, MS (FHA|USDA|VA) 3 $515,000 $171,667 $3,556 3.17%
    LAWTON, OK (FHA|USDA|VA) 2 $510,000 $255,000 $5,954 2.50%
    Elizabeth City, NC (FHA|USDA|VA) 3 $505,000 $168,333 $3,418 2.58%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $505,000 $168,333 $7,256 3.45%
    EAU CLAIRE, WI (FHA|USDA|VA) 3 $505,000 $168,333 $4,839 2.37%
    WENATCHEE, WA (FHA|USDA|VA) 2 $500,000 $250,000 $5,857 2.75%
    ROME, GA (FHA|USDA|VA) 2 $490,000 $245,000 $11,364 2.88%
    Albemarle, NC (FHA|USDA|VA) 2 $490,000 $245,000 $7,107 2.31%
    Alamogordo, NM (FHA|USDA|VA) 2 $490,000 $245,000 $4,893 2.44%
    WINCHESTER, VA-WV (FHA|USDA|VA) 2 $490,000 $245,000 $13,205 2.75%
    LOGAN, UT-ID (FHA|USDA|VA) 2 $490,000 $245,000 $3,886 2.56%
    Tupelo, MS (FHA|USDA|VA) 3 $485,000 $161,667 $7,511 2.88%
    NEW BERN, NC (FHA|USDA|VA) 2 $480,000 $240,000 $5,630 2.75%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $480,000 $240,000 $5,821 2.56%
    MADISON, WI (FHA|USDA|VA) 2 $480,000 $240,000 $5,723 2.44%
    JOHNSON CITY, TN (FHA|USDA|VA) 2 $480,000 $240,000 $6,269 2.38%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $475,000 $158,333 $3,210 3.00%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $470,000 $235,000 $4,479 2.38%
    Salina, KS (FHA|USDA|VA) 3 $455,000 $151,667 $4,313 2.79%
    Marquette, MI (FHA|USDA|VA) 2 $450,000 $225,000 $7,515 2.31%
    BURLINGTON, NC (FHA|USDA|VA) 2 $450,000 $225,000 $11,709 2.63%
    Baraboo, WI (FHA|USDA|VA) 2 $450,000 $225,000 $7,367 2.88%
    JONESBORO, AR (FHA|USDA|VA) 2 $440,000 $220,000 $10,452 2.75%
    GRAND ISLAND, NE (FHA|USDA|VA) 2 $440,000 $220,000 $5,851 2.25%
    Danville, KY (FHA|USDA|VA) 2 $440,000 $220,000 $3,612 2.38%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $440,000 $220,000 $3,878 3.63%
    Greenwood, SC (FHA|USDA|VA) 2 $440,000 $220,000 $5,546 2.37%
    BECKLEY, WV (FHA|USDA|VA) 3 $435,000 $145,000 $4,079 2.79%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $435,000 $145,000 $4,777 2.71%
    Sanford, NC (FHA|USDA|VA) 2 $430,000 $215,000 $7,297 3.06%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $430,000 $215,000 $6,080 3.00%
    YUBA CITY, CA (FHA|USDA|VA) 2 $430,000 $215,000 $6,715 2.94%
    Rockingham, NC (FHA|USDA|VA) 2 $430,000 $215,000 $9,615 3.38%
    Keene, NH (FHA|USDA|VA) 2 $430,000 $215,000 $9,646 2.81%
    Nogales, AZ (FHA|USDA|VA) 1 $425,000 $425,000 $3,322 2.25%
    BANGOR, ME (FHA|USDA|VA) 1 $425,000 $425,000 $9,386 2.25%
    Clarksburg, WV (FHA|USDA|VA) 2 $420,000 $210,000 $4,475 2.25%
    Central City, KY (FHA|USDA|VA) 2 $410,000 $205,000 $3,163 2.81%
    SYRACUSE, NY (FHA|USDA|VA) 2 $410,000 $205,000 $3,190 2.81%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $405,000 $405,000 $10,038 2.25%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $405,000 $405,000 $6,872 2.25%
    BILLINGS, MT (FHA|USDA|VA) 2 $400,000 $200,000 $7,894 2.44%
    Lebanon, NH-VT (FHA|USDA|VA) 2 $400,000 $200,000 $3,358 2.94%
    Jesup, GA (FHA|USDA|VA) 2 $400,000 $200,000 $0 2.88%
    Tifton, GA (FHA|USDA|VA) 2 $400,000 $200,000 $10,283 2.69%
    CLEVELAND, TN (FHA|USDA|VA) 2 $400,000 $200,000 $5,177 2.94%
    Shelby, NC (FHA|USDA|VA) 2 $400,000 $200,000 $6,651 2.50%
    IOWA CITY, IA (FHA|USDA|VA) 2 $390,000 $195,000 $8,949 2.88%
    Wooster, OH (FHA|USDA|VA) 2 $390,000 $195,000 $5,830 3.50%
    Dickinson, ND (FHA|USDA|VA) 2 $390,000 $195,000 $3,671 2.44%
    COLUMBUS, IN (FHA|USDA|VA) 1 $385,000 $385,000 $2,751 3.50%
    Meridian, MS (FHA|USDA|VA) 1 $385,000 $385,000 $0 3.63%
    Madisonville, KY (FHA|USDA|VA) 3 $385,000 $128,333 $2,366 2.96%
    Chillicothe, OH (FHA|USDA|VA) 2 $380,000 $190,000 $6,667 3.50%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $380,000 $190,000 $3,153 2.94%
    Augusta-Waterville, ME (FHA|USDA|VA) 2 $380,000 $190,000 $5,116 3.12%
    GREEN BAY, WI (FHA|USDA|VA) 2 $370,000 $185,000 $3,220 2.50%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $370,000 $185,000 $3,732 2.50%
    YUMA, AZ (FHA|USDA|VA) 2 $370,000 $185,000 $4,886 2.31%
    POCATELLO, ID (FHA|USDA|VA) 1 $365,000 $365,000 $5,540 2.25%
    Warsaw, IN (FHA|USDA|VA) 1 $365,000 $365,000 $12,340 2.50%
    Lock Haven, PA (FHA|USDA|VA) 1 $365,000 $365,000 $4,183 2.25%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $360,000 $180,000 $5,199 2.88%
    FARMINGTON, NM (FHA|USDA|VA) 2 $360,000 $180,000 $4,833 2.94%
    Cullman, AL (FHA|USDA|VA) 2 $360,000 $180,000 $4,405 2.81%
    Mount Vernon, OH (FHA|USDA|VA) 2 $360,000 $180,000 $5,854 3.31%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $355,000 $355,000 $4,456 3.63%
    Española, NM (FHA|USDA|VA) 1 $355,000 $355,000 $5,410 3.88%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $350,000 $175,000 $4,001 2.63%
    Atmore, AL (FHA|USDA|VA) 2 $350,000 $175,000 $5,949 2.88%
    AMARILLO, TX (FHA|USDA|VA) 2 $350,000 $175,000 $4,313 2.56%
    Montrose, CO (FHA|USDA|VA) 1 $345,000 $345,000 $12,050 2.38%
    BINGHAMTON, NY (FHA|USDA|VA) 2 $340,000 $170,000 $6,226 2.75%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $340,000 $170,000 $4,754 3.12%
    Cordele, GA (FHA|USDA|VA) 2 $340,000 $170,000 $3,094 2.31%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $335,000 $335,000 $6,722 2.63%
    LEWISTON, ID-WA (FHA|USDA|VA) 1 $335,000 $335,000 $24,016 2.38%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $335,000 $335,000 $23,895 3.63%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $330,000 $165,000 $2,759 3.00%
    GREENVILLE, NC (FHA|USDA|VA) 2 $330,000 $165,000 $3,216 3.00%
    JOPLIN, MO (FHA|USDA|VA) 2 $330,000 $165,000 $4,695 2.81%
    McMinnville, TN (FHA|USDA|VA) 1 $325,000 $325,000 $5,571 2.50%
    FAIRBANKS, AK (FHA|USDA|VA) 1 $325,000 $325,000 $8,423 2.25%
    Indiana, PA (FHA|USDA|VA) 1 $325,000 $325,000 $11,012 2.75%
    Zanesville, OH (FHA|USDA|VA) 2 $320,000 $160,000 $12,275 2.75%
    Ashtabula, OH (FHA|USDA|VA) 2 $320,000 $160,000 $5,025 3.13%
    Muscatine, IA (FHA|USDA|VA) 2 $320,000 $160,000 $3,977 3.25%
    SAGINAW, MI (FHA|USDA|VA) 1 $315,000 $315,000 $6,746 2.38%
    MIDLAND, TX (FHA|USDA|VA) 1 $315,000 $315,000 $10,753 2.25%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $315,000 $315,000 $6,397 2.25%
    Richmond, IN (FHA|USDA|VA) 1 $315,000 $315,000 $5,571 2.75%
    Berlin, NH (FHA|USDA|VA) 2 $310,000 $155,000 $7,399 2.81%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $310,000 $155,000 $4,022 3.25%
    North Vernon, IN (FHA|USDA|VA) 2 $310,000 $155,000 $4,482 2.88%
    Moberly, MO (FHA|USDA|VA) 2 $310,000 $155,000 $5,475 3.25%
    Danville, VA (FHA|USDA|VA) 2 $310,000 $155,000 $6,017 2.94%
    Lewisburg, TN (FHA|USDA|VA) 2 $310,000 $155,000 $3,136 3.06%
    LEBANON, PA (FHA|USDA|VA) 1 $305,000 $305,000 $5,256 2.25%
    Vicksburg, MS (FHA|USDA|VA) 2 $300,000 $150,000 $4,597 3.25%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $295,000 $295,000 $20,128 2.63%
    MANHATTAN, KS (FHA|USDA|VA) 2 $290,000 $145,000 $9,007 3.00%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $285,000 $285,000 $7,164 2.50%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $6,180 2.25%
    LAWRENCE, KS (FHA|USDA|VA) 1 $285,000 $285,000 $18,457 2.38%
    Sandpoint, ID (FHA|USDA|VA) 1 $285,000 $285,000 $5,217 2.25%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $285,000 $285,000 $10,156 3.25%
    Grand Rapids, MN (FHA|USDA|VA) 1 $285,000 $285,000 $9,899 2.38%
    Marion, OH (FHA|USDA|VA) 2 $280,000 $140,000 $2,861 2.56%
    Lake City, FL (FHA|USDA|VA) 1 $275,000 $275,000 $5,329 3.75%
    HAMMOND, LA (FHA|USDA|VA) 1 $275,000 $275,000 $9,345 2.38%
    Sturgis, MI (FHA|USDA|VA) 1 $275,000 $275,000 $6,457 2.75%
    OWENSBORO, KY (FHA|USDA|VA) 2 $270,000 $135,000 $1,971 3.18%
    YAKIMA, WA (FHA|USDA|VA) 2 $270,000 $135,000 $0 4.38%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $6,970 3.38%
    STAUNTON, VA (FHA|USDA|VA) 1 $265,000 $265,000 $3,841 3.13%
    EL CENTRO, CA (FHA|USDA|VA) 1 $265,000 $265,000 $8,194 2.50%
    Aberdeen, WA (FHA|USDA|VA) 1 $265,000 $265,000 $8,878 3.13%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $265,000 $265,000 $14,163 2.63%
    Henderson, NC (FHA|USDA|VA) 2 $260,000 $130,000 $5,155 3.50%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $255,000 $255,000 $4,258 2.75%
    UTICA-ROME, NY (FHA|USDA|VA) 1 $255,000 $255,000 $5,768 3.25%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $255,000 $255,000 $6,640 2.75%
    Van Wert, OH (FHA|USDA|VA) 1 $255,000 $255,000 $6,542 3.13%
    Winnemucca, NV (FHA|USDA|VA) 1 $255,000 $255,000 $3,570 2.25%
    DALTON, GA (FHA|USDA|VA) 1 $255,000 $255,000 $8,031 3.00%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $4,978 3.88%
    RAPID CITY, SD (FHA|USDA|VA) 1 $245,000 $245,000 $4,822 2.25%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $245,000 $245,000 $7,009 2.50%
    DECATUR, IL (FHA|USDA|VA) 1 $245,000 $245,000 $8,016 2.50%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $245,000 $245,000 $3,786 2.25%
    BEND, OR (FHA|USDA|VA) 1 $245,000 $245,000 $3,297 2.75%
    TOPEKA, KS (FHA|USDA|VA) 1 $245,000 $245,000 $15,560 3.63%
    West Plains, MO (FHA|USDA|VA) 2 $240,000 $120,000 $4,067 3.25%
    Marinette, WI-MI (FHA|USDA|VA) 1 $235,000 $235,000 $13,388 3.13%
    WACO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,221 3.25%
    Athens, TN (FHA|USDA|VA) 1 $235,000 $235,000 $9,882 2.25%
    Rock Springs, WY (FHA|USDA|VA) 1 $235,000 $235,000 $5,708 2.25%
    Carroll, IA (FHA|USDA|VA) 1 $235,000 $235,000 $19,505 2.25%
    READING, PA (FHA|USDA|VA) 1 $235,000 $235,000 $14,897 2.75%
    Quincy, IL-MO (FHA|USDA|VA) 1 $235,000 $235,000 $6,022 2.25%
    Elkins, WV (FHA|USDA|VA) 1 $235,000 $235,000 $6,868 2.38%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $235,000 $235,000 $3,097 2.63%
    Fernley, NV (FHA|USDA|VA) 1 $235,000 $235,000 $4,368 2.38%
    Sunbury, PA (FHA|USDA|VA) 2 $230,000 $115,000 $4,538 3.44%
    Thomaston, GA (FHA|USDA|VA) 1 $225,000 $225,000 $7,648 2.63%
    CORVALLIS, OR (FHA|USDA|VA) 1 $225,000 $225,000 $5,364 2.25%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,914 2.25%
    Sheridan, WY (FHA|USDA|VA) 1 $225,000 $225,000 $5,129 2.75%
    St. Marys, GA (FHA|USDA|VA) 1 $225,000 $225,000 $3,531 2.25%
    AMES, IA (FHA|USDA|VA) 1 $215,000 $215,000 $4,893 2.25%
    Ozark, AL (FHA|USDA|VA) 1 $215,000 $215,000 $5,421 2.88%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $215,000 $215,000 $6,194 2.25%
    Roswell, NM (FHA|USDA|VA) 1 $215,000 $215,000 $7,208 2.50%
    Malone, NY (FHA|USDA|VA) 1 $215,000 $215,000 $9,717 3.13%
    Red Bluff, CA (FHA|USDA|VA) 1 $215,000 $215,000 $5,998 2.25%
    Show Low, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $3,197 2.75%
    Branson, MO (FHA|USDA|VA) 1 $215,000 $215,000 $4,571 2.25%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $215,000 $215,000 $5,686 3.25%
    Gloversville, NY (FHA|USDA|VA) 1 $215,000 $215,000 $10,236 3.25%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $205,000 $205,000 $4,480 4.00%
    Kearney, NE (FHA|USDA|VA) 1 $205,000 $205,000 $13,469 2.75%
    Shawnee, OK (FHA|USDA|VA) 1 $205,000 $205,000 $5,941 2.75%
    Bartlesville, OK (FHA|USDA|VA) 1 $205,000 $205,000 $3,847 2.88%
    Menomonie, WI (FHA|USDA|VA) 1 $205,000 $205,000 $5,696 2.75%
    McAlester, OK (FHA|USDA|VA) 1 $205,000 $205,000 $4,250 2.75%
    CHARLESTON, WV (FHA|USDA|VA) 1 $205,000 $205,000 $5,307 2.25%
    Jacksonville, IL (FHA|USDA|VA) 1 $205,000 $205,000 $12,551 2.75%
    Beaver Dam, WI (FHA|USDA|VA) 1 $205,000 $205,000 $6,940 2.88%
    Holland, MI (FHA|USDA|VA) 1 $195,000 $195,000 $13,263 2.75%
    Dayton, TN (FHA|USDA|VA) 1 $195,000 $195,000 $5,518 3.13%
    Cedar City, UT (FHA|USDA|VA) 1 $195,000 $195,000 $5,530 2.99%
    Oxford, MS (FHA|USDA|VA) 1 $195,000 $195,000 $4,077 2.88%
    Thomasville, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,889 2.25%
    Vidalia, GA (FHA|USDA|VA) 1 $185,000 $185,000 $4,989 2.25%
    Cambridge, OH (FHA|USDA|VA) 1 $185,000 $185,000 $6,576 2.75%
    ROCHESTER, MN (FHA|USDA|VA) 1 $185,000 $185,000 $4,461 2.88%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $3,590 2.75%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $185,000 $185,000 $5,834 2.25%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $175,000 $175,000 $2,718 2.25%
    Owatonna, MN (FHA|USDA|VA) 1 $175,000 $175,000 $4,529 3.25%
    Fairmont, WV (FHA|USDA|VA) 1 $175,000 $175,000 $5,260 2.50%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $175,000 $175,000 $8,634 2.75%
    Whitewater, WI (FHA|USDA|VA) 1 $175,000 $175,000 $4,807 2.25%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $175,000 $175,000 $5,961 3.25%
    Greenwood, MS (FHA|USDA|VA) 2 $170,000 $85,000 $3,907 2.94%
    Paris, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,145 2.38%
    MANSFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,931 3.25%
    Elko, NV (FHA|USDA|VA) 1 $165,000 $165,000 $4,690 2.25%
    GADSDEN, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,710 3.25%
    Jasper, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,400 2.25%
    Enterprise, AL (FHA|USDA|VA) 1 $165,000 $165,000 $3,414 2.25%
    Grenada, MS (FHA|USDA|VA) 1 $165,000 $165,000 $3,871 3.25%
    Del Rio, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,142 2.75%
    Rutland, VT (FHA|USDA|VA) 1 $165,000 $165,000 $2,109 2.50%
    Frankfort, IN (FHA|USDA|VA) 1 $165,000 $165,000 $9,239 3.63%
    Grants, NM (FHA|USDA|VA) 1 $155,000 $155,000 $2,529 2.25%
    El Dorado, AR (FHA|USDA|VA) 1 $155,000 $155,000 $4,504 2.38%
    Rochelle, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,948 2.25%
    ERIE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $5,664 2.99%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $155,000 $155,000 $1,535 2.88%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,102 2.38%
    ALBANY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $4,315 2.38%
    Dublin, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,909 2.75%
    Greeneville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,729 2.50%
    BAY CITY, MI (FHA|USDA|VA) 1 $155,000 $155,000 $5,391 2.25%
    West Point, MS (FHA|USDA|VA) 1 $155,000 $155,000 $3,777 3.13%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $155,000 $155,000 $3,584 2.75%
    Kinston, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,627 2.75%
    Clovis, NM (FHA|USDA|VA) 1 $145,000 $145,000 $1,758 3.25%
    Cambridge, MD (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $145,000 $145,000 $5,331 2.75%
    Tahlequah, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,695 3.13%
    ALTOONA, PA (FHA|USDA|VA) 1 $145,000 $145,000 $8,326 3.25%
    Eufaula, AL-GA (FHA|USDA|VA) 1 $135,000 $135,000 $6,411 2.38%
    Martinsville, VA (FHA|USDA|VA) 1 $135,000 $135,000 $5,992 3.38%
    ELMIRA, NY (FHA|USDA|VA) 1 $135,000 $135,000 $7,096 3.00%
    ODESSA, TX (FHA|USDA|VA) 1 $135,000 $135,000 $7,454 3.50%
    Crawfordsville, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,366 2.75%
    Barre, VT (FHA|USDA|VA) 1 $135,000 $135,000 $5,451 2.88%
    Malvern, AR (FHA|USDA|VA) 1 $135,000 $135,000 $2,162 2.88%
    Plymouth, IN (FHA|USDA|VA) 1 $125,000 $125,000 $5,122 3.63%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $3,326 3.13%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $125,000 $125,000 $4,256 3.00%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.12%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,653 3.75%
    Mexico, MO (FHA|USDA|VA) 1 $125,000 $125,000 $5,841 3.25%
    Lewistown, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,433 3.00%
    LONGVIEW, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,604 2.75%
    MUNCIE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,380 3.25%
    Sedalia, MO (FHA|USDA|VA) 1 $115,000 $115,000 $1,476 2.75%
    Union City, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,310 3.25%
    Russellville, AR (FHA|USDA|VA) 1 $105,000 $105,000 $5,910 2.75%
    Martin, TN (FHA|USDA|VA) 1 $105,000 $105,000 $6,232 3.63%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,785 3.63%
    Fremont, OH (FHA|USDA|VA) 1 $95,000 $95,000 $5,370 3.25%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,986 3.38%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.13%
    Waycross, GA (FHA|USDA|VA) 1 $85,000 $85,000 $7,294 3.63%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $85,000 $85,000 $2,686 2.88%
    Laurel, MS (FHA|USDA|VA) 1 $75,000 $75,000 $3,263 2.88%
    New Castle, PA (FHA|USDA|VA) 1 $75,000 $75,000 $5,739 3.75%
    Magnolia Bank's top markets include Atlanta, Louisville/jefferson County, Augusta, Washington, and Asheville among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,339 $1,012,255,000 $233,292 $4,283 3.05%
    VA 2,647 $718,815,000 $271,558 $8,019 2.58%
    FHA 846 $181,470,000 $214,504 $7,604 2.98%
    USDA 553 $95,785,000 $173,210 $4,664 2.94%

    For 2021, Magnolia Bank's most frequently originated type of loan was Conventional, with 4,339 originations. Their 2nd most popular type was VA, with 2,647 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,202 $733,120,000 $228,957 $5,110 3.04%
    Refi 2,593 $603,585,000 $232,775 $4,520 2.68%
    Cash Out Refi 2,474 $650,630,000 $262,987 $8,215 2.89%
    Other 88 $15,770,000 $179,205 $4,363 3.16%
    Home Improvement 28 $5,220,000 $186,429 $4,561 3.16%

    For 2021, Magnolia Bank's most frequently cited loan purpose was Home Purchase, with 3,202 originations. The 2nd most popular reason was Refi, with 2,593 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 7,249 $1,784,405,000 $246,159 $6,100 2.92%
    15 Year 734 $140,380,000 $191,253 $3,869 2.55%
    20 Year 262 $52,350,000 $199,809 $4,535 3.01%
    Other 101 $23,955,000 $237,178 $6,150 2.74%
    10 Year 36 $7,080,000 $196,667 $4,018 2.51%
    5 Year 2 $70,000 $35,000 $0 4.63%
    1 Year 1 $85,000 $85,000 $0 4.25%

    For 2021, Magnolia Bank's most frequently cited loan duration was 30 Year, with 7,249 originations. The 2nd most popular length was 15 Year, with 734 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,444 $554,840,000 $227,021
    $<1k 2,055 $427,765,000 $208,158
    $5k+ 1,348 $442,210,000 $328,049
    $2k-3k 1,001 $219,195,000 $218,976
    $3k-4k 750 $175,020,000 $233,360
    $4k-5k 562 $144,380,000 $256,904

    Magnolia Bank's average total fees were $6,100, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,444 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 3,602 $869,450,000 $241,380
    3-4% 2,428 $553,850,000 $228,110
    <2.5% 2,223 $559,515,000 $251,694
    4-5% 124 $24,560,000 $198,065
    5-6% 5 $655,000 $131,000
    6-7% 2 $120,000 $60,000
    7-8% 1 $175,000 $175,000

    During 2021, Magnolia Bank's average interest rate for loans was 2.92%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,602 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,127 $1,125,555,000 $272,730 $6,598 2.83%
    $100k-200k 3,048 $472,910,000 $155,154 $4,259 2.93%
    $400k-600k 678 $319,130,000 $470,693 $9,108 2.86%
    $100,000 or less 458 $36,720,000 $80,175 $3,101 3.13%
    $600k-1MM 70 $49,530,000 $707,571 $14,755 2.97%
    $1MM+ 4 $4,480,000 $1,120,000 $28,592 2.97%

    2021 saw Magnolia Bank place emphasis on $200k-400k loans with 4,127 originations, totaling $1,125,555,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,041 $432,305,000 $211,810 $5,959 2.94%
    $50k or less 1,531 $238,095,000 $155,516 $4,848 2.98%
    $75k-100k 1,413 $354,295,000 $250,740 $6,499 2.97%
    $100k-150k 1,407 $408,385,000 $290,252 $6,496 2.93%
    $150k-250k 635 $219,545,000 $345,740 $6,757 2.97%
    $250k+ 153 $55,835,000 $364,935 $6,374 3.00%

    Magnolia Bank lent most frequently to those with incomes in the $50k-75k range, with 2,041 originations. The second most popular income band? $50k or less, with 1,531 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,526 $336,890,000 $220,767 $4,907 2.93%
    30-36% 1,323 $306,095,000 $231,364 $5,655 2.97%
    <20% 525 $105,255,000 $200,486 $3,991 2.90%
    50-60% 378 $106,280,000 $281,164 $10,193 2.80%
    44% 310 $78,120,000 $252,000 $6,377 3.08%
    43% 280 $70,050,000 $250,179 $6,463 3.01%
    39% 279 $66,395,000 $237,975 $6,432 2.98%
    40% 276 $66,780,000 $241,957 $5,645 3.01%
    37% 268 $62,400,000 $232,836 $5,832 2.99%
    42% 259 $65,665,000 $253,533 $6,712 2.95%
    38% 256 $59,100,000 $230,859 $6,031 2.99%
    41% 254 $61,680,000 $242,835 $5,989 2.99%
    36% 235 $53,705,000 $228,532 $5,512 2.99%
    45% 231 $58,055,000 $251,320 $6,424 2.98%
    47% 200 $54,290,000 $271,450 $6,943 2.91%
    46% 199 $54,155,000 $272,136 $7,449 2.97%
    48% 186 $52,500,000 $282,258 $7,706 2.93%
    49% 176 $48,670,000 $276,534 $8,229 2.91%
    >60% 2 $400,000 $200,000 $6,543 3.37%

    Magnolia Bank lent most frequently to those with DTI ratios of 20-30%, with 1,526 originations. The next most common DTI ratio? 30-36%, with 1,323 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,789 $1,585,145,000 $233,487 $5,618 2.89%
    Black 857 $227,605,000 $265,583 $7,536 2.84%
    Not provided 481 $116,535,000 $242,277 $5,887 2.89%
    Asian 174 $54,670,000 $314,195 $6,066 3.03%
    American Indian 64 $17,440,000 $272,500 $6,985 2.81%
    Native Hawaiian or Islander 8 $3,120,000 $390,000 $8,187 2.69%
    Not applicable 3 $1,545,000 $515,000 $0 3.87%
    Other Pacific Islander 3 $795,000 $265,000 $6,946 2.54%
    Asian Indian 2 $730,000 $365,000 $5,859 3.19%
    Other Asian 2 $380,000 $190,000 $4,758 3.12%
    Chinese 1 $235,000 $235,000 $3,558 2.50%
    Vietnamese 1 $125,000 $125,000 $0 4.13%

    Approval Rates

    Total approvals of all applications
    87.15%

    Magnolia Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    57.19%

    Magnolia Bank 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
    NA 8,385 $2,008,325,000 $239,514

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    8,385 $2,008,325,000 $239,514

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 208 $33,680,000 $161,923 $3,852 2.77%
    40-60% 993 $204,515,000 $205,957 $4,539 2.81%
    60-80% 2,841 $697,465,000 $245,500 $5,459 2.93%
    80-100% 4,173 $1,027,375,000 $246,196 $6,401 2.89%
    Over 100% 156 $43,420,000 $278,333 $8,835 2.68%
    Under 20% 14 $1,870,000 $133,571 $3,875 2.57%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Magnolia Bank, Incorporated 106 Lincoln Drive Hodgenville, KY 42748 Full Service B&M $35,434
    Magnolia Bank, Incorporated 4910 South L And N Turnpike Magnolia, KY 42757 Full Service B&M $37,274
    Magnolia Bank, Incorporated 651 West Dixie Avenue Elizabethtown, KY 42701 Full Service B&M $104,188
    Magnolia Bank, Incorporated 794 Old Elizabethtown Road Hodgenville, KY 42748 Full Service B&M $211,768

    For 2021, Magnolia Bank had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $11,980
    Net interest income $10,485
    Total noninterest income $93,397
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $341
    Trading account gains and fees $0
    Additional Noninterest Income $93,056
    Pre-tax net operating income $10,372
    Securities gains (or losses, -) $43
    Income before extraordinary items $9,532
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,532
    Minority interest net income $0
    Net income $9,532
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,492

    Magnolia Bank's gross interest income from loans was $11,980,000.
    Magnolia Bank's net interest income from loans was $10,485,000.
    Magnolia Bank's fee based income from loans was $341,000.
    Magnolia Bank's net income from loans was $9,532,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,495
    Provision for credit losses $525
    Total noninterest expense $92,985
    Salaries and employee benefits $57,740
    Premises and equipment expense $1,973
    Additional noninterest expense $33,272
    Applicable income taxes $883
    Net charge-offs $11
    Cash dividends $7,287

    Magnolia Bank's interest expense for loans was $1,495,000.
    Magnolia Bank's payroll and benefits expense were $57,740,000.
    Magnolia Bank's property, plant and equipment expenses $1,973,000.

    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 $370,657
    Deposits held in domestic offices $370,657
    Deposits by Individuals, partnerships, and corporations $338,882
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $31,775
    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 $127,871
    Demand deposits $127,355
    Nontransaction accounts $242,786
    Money market deposit accounts (MMDAs) $44,677
    Other savings deposits (excluding MMDAs) $23,026
    Total time deposits $175,082
    Total time and savings deposits $243,302
    Noninterest-bearing deposits $39,014
    Interest-bearing deposits $331,643
    Retail deposits $244,305
    IRAs and Keogh plan accounts $10,904
    Brokered deposits $117,901
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $456,669
    Cash & Balances due from depository institutions $12,325
    Interest-bearing balances $8,442
    Total securities $142,721
    Federal funds sold & reverse repurchase $45,406
    Net loans and leases $222,950
    Loan and leases loss allowance $3,188
    Trading account assets $0
    Bank premises and fixed assets $7,166
    Other real estate owned $0
    Goodwill and other intangibles $14,320
    All other assets $11,781

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $456,669
    Total Liabilities $399,416
    Total deposits $370,657
    Interest-bearing deposits $331,643
    Deposits held in domestic offices $370,657
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $20,000
    Subordinated debt $0
    All other liabilities $8,759

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $222,950
    Loan and leases loss allowance $3,188
    Total loans and leases (domestic) $226,138
    All real estate loans $167,728
    Real estate loans in domestic offices $167,728
    Construction and development loans $9,612
    Residential 1-4 family construction $6,340
    Other construction, all land development and other land $3,272
    Loans secured by nonfarm nonresidential properties $39,949
    Nonfarm nonresidential secured by owner-occupied properties $21,516
    Commercial real estate & other non-farm, non-residential $18,433
    Multifamily residential real estate $744
    1-4 family residential loans $98,020
    Farmland loans $19,403
    Loans held in foreign offices $0
    Farm loans $5,866
    Commercial and industrial loans $11,994
    To non-U.S. addressees $0
    Loans to individuals $3,142
    Credit card loans $0
    Related Plans $141
    Consumer Auto Loans $1,381
    Other loans to individuals $1,620
    All other loans & leases $37,408
    Loans to foreign governments and official institutions $0
    Other loans $2,238
    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

    Magnolia Bank had $222,950,000 of loans outstanding in 2021. $167,728,000 of loans were in real estate loans. $9,612,000 of loans were in development loans. $744,000 of loans were in multifamily mortgage loans. $98,020,000 of loans were in 1-4 family mortgage loans. $5,866,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,381,000 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 103 $17,269 $167,660
    Nonfarm, nonresidential loans - <$100k 26 $850 $32,692
    Nonfarm, nonresidential loans - $100-250k 46 $5,324 $115,739
    Nonfarm, nonresidential loans - $250k-1MM 31 $11,095 $357,903
    Commercial & Industrial, US addressed loans - <$1MM 202 $7,500 $37,129
    Commercial & Industrial, US addressed loans - <$100k 163 $2,779 $17,049
    Commercial & Industrial, US addressed loans - $100-250k 28 $2,601 $92,893
    Commercial & Industrial, US addressed loans - $250k-1MM 11 $2,120 $192,727
    Farmland loans - <$1MM 115 $9,160 $79,652
    Farmland loans - <$100k 60 $2,353 $39,217
    Farmland loans - $100-250k 40 $3,746 $93,650
    Farmland loans - $250k-1MM 15 $3,061 $204,067
    Agriculture operations loans - <$1MM 139 $5,351 $38,496
    Agriculture operations loans - <$100k 125 $1,963 $15,704
    Agriculture operations loans - $100-250k 7 $581 $83,000
    Agriculture operations loans - $250k-1MM 7 $2,807 $401,000