Magnolia Bank Mortgage Rates, Fees & Info

Magnolia, KY

LEI: 549300REENMLD2RN3W58

Tax ID: 61-0126230

2.5 stars - out of 5 stars, based on 64 reviews

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

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Mortgage Data

Review & Overview

Magnolia Bank is a small bank specializing in Home Purchase 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, Dallas, Gulfport, and Houston among others. We have data for 458 markets. (Some data included below & more in-depth data is available with an active subscription.)

Magnolia Bank has an above 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 a high 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.72% 6/4/23
30 Year Conventional Refi 6.67% 6/4/23
30 Year Cash-out Refi 6.86% 6/4/23
30 Year FHA Purchase 7.39% 6/4/23
30 Year FHA Refi 7.22% 6/4/23
30 Year VA Purchase 6.35% 6/4/23
30 Year VA Refi 6.03% 6/4/23
30 Year USDA Purchase 6.83% 6/4/23
15 Year Conventional Purchase 6.16% 6/4/23
15 Year Conventional Refi 6.19% 6/4/23
15 Year Cash-out Refi 6.19% 6/4/23
15 Year FHA Purchase 5.68% 6/4/23
15 Year VA Purchase 6.08% 6/4/23
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.

Magnolia Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Magnolia 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

4,122

Origination Dollar Volume (All Markets)

$1,086,000,000
Show all (54) awards

Relative Rate

Magnolia Bank's average 30 year fixed mortgage rate was 4.69%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.07%.

Relative Fees (Closing Costs)

Magnolia Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $9,203.

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
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 393 $100,835,000 $256,578 $7,463 4.67%
Outside of Metro Areas 339 $66,435,000 $195,973 $7,021 4.74%
LOUISVILLE, KY (FHA|USDA|VA) 236 $57,960,000 $245,593 $4,892 4.77%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 128 $42,600,000 $332,813 $8,883 4.98%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 154 $35,690,000 $231,753 $6,442 4.59%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 82 $26,660,000 $325,122 $11,143 5.63%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 107 $21,515,000 $201,075 $4,897 5.01%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 87 $20,375,000 $234,195 $7,745 4.40%
COLUMBIA, SC (FHA|USDA|VA) 76 $18,860,000 $248,158 $5,913 4.55%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 45 $18,525,000 $411,667 $14,407 4.72%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 39 $17,875,000 $458,333 $17,559 4.61%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 50 $17,060,000 $341,200 $14,155 4.36%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 44 $16,280,000 $370,000 $15,378 4.20%
FLORENCE, SC (FHA|USDA|VA) 72 $15,560,000 $216,111 $7,470 4.89%
SAVANNAH, GA (FHA|USDA|VA) 55 $13,825,000 $251,364 $7,314 4.86%
JACKSON, MS (FHA|USDA|VA) 40 $12,870,000 $321,750 $5,899 4.64%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 38 $12,100,000 $318,421 $15,046 4.63%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 34 $11,580,000 $340,588 $9,333 4.25%
BOWLING GREEN, KY (FHA|USDA|VA) 45 $10,405,000 $231,222 $5,354 4.74%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 33 $9,775,000 $296,212 $8,747 4.42%
RALEIGH-CARY, NC (FHA|USDA|VA) 29 $9,465,000 $326,379 $7,937 4.85%
ASHEVILLE, NC (FHA|USDA|VA) 38 $9,120,000 $240,000 $4,025 4.11%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 33 $8,675,000 $262,879 $12,121 4.39%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 23 $8,435,000 $366,739 $13,710 4.34%
Bardstown, KY (FHA|USDA|VA) 38 $8,410,000 $221,316 $4,788 4.29%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 37 $8,045,000 $217,432 $6,503 4.47%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 33 $8,035,000 $243,485 $8,162 4.92%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 23 $7,895,000 $343,261 $13,960 4.83%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 24 $7,850,000 $327,083 $10,981 4.46%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 28 $7,780,000 $277,857 $12,454 4.51%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 20 $7,730,000 $386,500 $11,235 4.94%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 23 $7,275,000 $316,304 $10,016 4.92%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 28 $6,750,000 $241,071 $8,349 4.29%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 16 $6,590,000 $411,875 $16,927 4.31%
JACKSONVILLE, FL (FHA|USDA|VA) 18 $6,520,000 $362,222 $11,884 4.99%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 26 $6,470,000 $248,846 $11,419 4.48%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 19 $6,325,000 $332,895 $12,897 4.45%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 23 $6,135,000 $266,739 $10,887 4.82%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 16 $5,730,000 $358,125 $16,456 4.19%
Jefferson, GA (FHA|USDA|VA) 18 $5,700,000 $316,667 $8,152 4.63%
Mayfield, KY (FHA|USDA|VA) 30 $5,430,000 $181,000 $4,752 4.50%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 15 $5,185,000 $345,667 $14,833 4.32%
Murray, KY (FHA|USDA|VA) 30 $5,170,000 $172,333 $4,425 4.38%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 18 $5,080,000 $282,222 $12,336 4.78%
FAYETTEVILLE, NC (FHA|USDA|VA) 19 $4,995,000 $262,895 $11,498 4.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 17 $4,965,000 $292,059 $13,986 4.32%
HUNTSVILLE, AL (FHA|USDA|VA) 17 $4,895,000 $287,941 $11,145 4.24%
Corsicana, TX (FHA|USDA|VA) 21 $4,795,000 $228,333 $5,700 4.88%
Columbus, MS (FHA|USDA|VA) 23 $4,685,000 $203,696 $7,191 4.58%
Paducah, KY-IL (FHA|USDA|VA) 25 $4,635,000 $185,400 $5,381 4.72%
LaGrange, GA-AL (FHA|USDA|VA) 23 $4,565,000 $198,478 $6,311 4.41%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 16 $4,450,000 $278,125 $12,587 4.55%
RICHMOND, VA (FHA|USDA|VA) 15 $4,435,000 $295,667 $11,532 4.12%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 14 $4,350,000 $310,714 $10,541 4.45%
KANSAS CITY, MO-KS (FHA|USDA|VA) 17 $4,345,000 $255,588 $12,748 4.51%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 12 $4,160,000 $346,667 $12,116 4.03%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $4,035,000 $366,818 $14,180 4.47%
TUCSON, AZ (FHA|USDA|VA) 15 $3,965,000 $264,333 $12,421 4.36%
ST. LOUIS, MO-IL (FHA|USDA|VA) 16 $3,740,000 $233,750 $9,922 4.81%
OKLAHOMA CITY, OK (FHA|USDA|VA) 14 $3,660,000 $261,429 $12,642 4.57%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 10 $3,630,000 $363,000 $14,625 4.24%
COLORADO SPRINGS, CO (FHA|USDA|VA) 11 $3,565,000 $324,091 $13,922 3.92%
COLUMBIA, MO (FHA|USDA|VA) 9 $3,515,000 $390,556 $6,891 4.92%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 11 $3,375,000 $306,818 $9,624 5.08%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $3,245,000 $463,571 $14,386 3.59%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 10 $3,220,000 $322,000 $10,334 4.59%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 8 $3,180,000 $397,500 $15,883 4.58%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 18 $3,050,000 $169,444 $5,811 4.55%
SALT LAKE CITY, UT (FHA|USDA|VA) 8 $3,010,000 $376,250 $17,097 4.13%
ANCHORAGE, AK (FHA|USDA|VA) 9 $2,965,000 $329,444 $16,829 3.96%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 10 $2,880,000 $288,000 $14,674 4.76%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 8 $2,850,000 $356,250 $14,835 4.45%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 7 $2,725,000 $389,286 $20,466 4.64%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 9 $2,705,000 $300,556 $10,724 4.29%
MEDFORD, OR (FHA|USDA|VA) 8 $2,700,000 $337,500 $15,017 4.22%
GAINESVILLE, GA (FHA|USDA|VA) 8 $2,660,000 $332,500 $9,806 4.64%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,610,000 $261,000 $9,030 5.04%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 9 $2,535,000 $281,667 $5,562 4.52%
SHERMAN-DENISON, TX (FHA|USDA|VA) 7 $2,515,000 $359,286 $9,781 5.52%
Mineral Wells, TX (FHA|USDA|VA) 12 $2,500,000 $208,333 $6,264 5.29%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 9 $2,485,000 $276,111 $10,352 4.65%
COLUMBUS, OH (FHA|USDA|VA) 11 $2,465,000 $224,091 $9,872 4.61%
REDDING, CA (FHA|USDA|VA) 7 $2,445,000 $349,286 $9,485 4.38%
SALEM, OR (FHA|USDA|VA) 7 $2,425,000 $346,429 $15,232 4.41%
PROVO-OREM, UT (FHA|USDA|VA) 6 $2,350,000 $391,667 $18,846 4.90%
BOISE CITY, ID (FHA|USDA|VA) 8 $2,330,000 $291,250 $13,668 4.81%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 11 $2,295,000 $208,636 $7,762 4.86%
SPARTANBURG, SC (FHA|USDA|VA) 10 $2,260,000 $226,000 $8,242 5.74%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $2,255,000 $250,556 $7,442 4.19%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,255,000 $451,000 $16,808 3.83%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $2,235,000 $248,333 $11,659 4.89%
Shelbyville, TN (FHA|USDA|VA) 11 $2,225,000 $202,273 $3,125 4.30%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 7 $2,205,000 $315,000 $13,192 4.63%
Orangeburg, SC (FHA|USDA|VA) 9 $2,125,000 $236,111 $7,479 4.68%
RENO, NV (FHA|USDA|VA) 6 $2,090,000 $348,333 $14,259 5.14%
Frankfort, KY (FHA|USDA|VA) 11 $2,075,000 $188,636 $3,830 3.84%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 7 $2,015,000 $287,857 $11,540 4.52%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $1,980,000 $330,000 $15,508 4.96%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $1,940,000 $323,333 $10,790 4.40%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 12 $1,940,000 $161,667 $6,404 3.79%
Campbellsville, KY (FHA|USDA|VA) 12 $1,920,000 $160,000 $3,931 4.70%
HINESVILLE, GA (FHA|USDA|VA) 8 $1,920,000 $240,000 $10,123 5.56%
STOCKTON, CA (FHA|USDA|VA) 5 $1,915,000 $383,000 $16,790 3.95%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,890,000 $315,000 $11,225 4.37%
Kapaa, HI (FHA|USDA|VA) 3 $1,865,000 $621,667 $15,774 3.08%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 6 $1,820,000 $303,333 $9,627 5.06%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 8 $1,790,000 $223,750 $8,419 4.56%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 6 $1,760,000 $293,333 $12,251 3.87%
SUMTER, SC (FHA|USDA|VA) 10 $1,740,000 $174,000 $6,947 5.19%
Cedartown, GA (FHA|USDA|VA) 7 $1,675,000 $239,286 $7,924 5.07%
DANVILLE, IL (FHA|USDA|VA) 12 $1,650,000 $137,500 $3,853 5.32%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,630,000 $271,667 $8,315 5.00%
KNOXVILLE, TN (FHA|USDA|VA) 5 $1,625,000 $325,000 $12,813 4.53%
AKRON, OH (FHA|USDA|VA) 9 $1,565,000 $173,889 $7,549 5.26%
COLUMBUS, GA-AL (FHA|USDA|VA) 6 $1,540,000 $256,667 $11,853 4.29%
WICHITA, KS (FHA|USDA|VA) 5 $1,505,000 $301,000 $9,745 4.87%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $1,485,000 $297,000 $14,820 4.73%
Glasgow, KY (FHA|USDA|VA) 8 $1,480,000 $185,000 $7,419 4.80%
Fernley, NV (FHA|USDA|VA) 4 $1,460,000 $365,000 $13,746 3.97%
DOVER, DE (FHA|USDA|VA) 4 $1,450,000 $362,500 $13,434 3.69%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $1,420,000 $236,667 $10,730 4.71%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $1,415,000 $283,000 $17,079 4.03%
VALLEJO, CA (FHA|USDA|VA) 3 $1,375,000 $458,333 $19,035 4.17%
BILLINGS, MT (FHA|USDA|VA) 5 $1,365,000 $273,000 $13,143 3.93%
LAS CRUCES, NM (FHA|USDA|VA) 5 $1,345,000 $269,000 $12,638 3.70%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $1,325,000 $441,667 $14,989 3.83%
Torrington, CT (FHA|USDA|VA) 5 $1,305,000 $261,000 $9,841 5.35%
JACKSONVILLE, NC (FHA|USDA|VA) 6 $1,300,000 $216,667 $8,472 4.77%
PUEBLO, CO (FHA|USDA|VA) 5 $1,295,000 $259,000 $12,324 4.57%
Newport, OR (FHA|USDA|VA) 3 $1,245,000 $415,000 $8,575 4.96%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,220,000 $305,000 $18,353 4.34%
Toccoa, GA (FHA|USDA|VA) 6 $1,210,000 $201,667 $4,530 3.62%
VALDOSTA, GA (FHA|USDA|VA) 5 $1,195,000 $239,000 $8,953 5.35%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $1,195,000 $398,333 $20,784 4.29%
FRESNO, CA (FHA|USDA|VA) 4 $1,190,000 $297,500 $15,722 3.88%
MONTGOMERY, AL (FHA|USDA|VA) 6 $1,190,000 $198,333 $11,282 4.22%
Sikeston, MO (FHA|USDA|VA) 8 $1,180,000 $147,500 $4,216 4.98%
Outside of Metro Areas 4 $1,180,000 $295,000 $13,092 3.66%
VISALIA, CA (FHA|USDA|VA) 3 $1,175,000 $391,667 $13,179 4.50%
BELLINGHAM, WA (FHA|USDA|VA) 2 $1,160,000 $580,000 $22,075 4.44%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,155,000 $231,000 $7,022 3.15%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 7 $1,145,000 $163,571 $5,846 5.30%
Concord, NH (FHA|USDA|VA) 4 $1,140,000 $285,000 $16,553 3.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,125,000 $375,000 $18,801 3.71%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $1,105,000 $368,333 $17,022 4.38%
Pahrump, NV (FHA|USDA|VA) 3 $1,105,000 $368,333 $11,041 3.88%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $1,090,000 $272,500 $10,980 4.28%
SPRINGFIELD, MA (FHA|USDA|VA) 4 $1,080,000 $270,000 $10,950 4.56%
TOLEDO, OH (FHA|USDA|VA) 4 $1,070,000 $267,500 $11,550 5.81%
PITTSBURGH, PA (FHA|USDA|VA) 4 $1,070,000 $267,500 $20,896 4.13%
BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,050,000 $262,500 $10,070 3.75%
Oxford, MS (FHA|USDA|VA) 4 $1,050,000 $262,500 $7,162 5.91%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 3 $1,045,000 $348,333 $9,646 3.87%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 5 $1,035,000 $207,000 $16,817 5.68%
Eureka-Arcata, CA (FHA|USDA|VA) 3 $1,035,000 $345,000 $13,571 4.46%
WINCHESTER, VA-WV (FHA|USDA|VA) 5 $1,005,000 $201,000 $9,020 5.93%
EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $995,000 $331,667 $11,508 4.54%
Georgetown, SC (FHA|USDA|VA) 2 $990,000 $495,000 $8,251 4.94%
Albertville, AL (FHA|USDA|VA) 4 $990,000 $247,500 $9,106 4.69%
ROCHESTER, NY (FHA|USDA|VA) 6 $990,000 $165,000 $6,568 4.48%
Hilo, HI (FHA|USDA|VA) 2 $980,000 $490,000 $24,264 5.13%
Tupelo, MS (FHA|USDA|VA) 5 $975,000 $195,000 $7,095 5.85%
Madison, IN (FHA|USDA|VA) 6 $970,000 $161,667 $5,067 4.71%
GREENVILLE, NC (FHA|USDA|VA) 4 $970,000 $242,500 $9,417 4.81%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $970,000 $485,000 $9,985 3.12%
Tullahoma-Manchester, TN (FHA|USDA|VA) 5 $935,000 $187,000 $3,489 4.48%
HATTIESBURG, MS (FHA|USDA|VA) 3 $925,000 $308,333 $9,517 3.46%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $925,000 $185,000 $12,033 4.75%
MODESTO, CA (FHA|USDA|VA) 2 $920,000 $460,000 $21,184 4.50%
Farmington, MO (FHA|USDA|VA) 6 $920,000 $153,333 $3,287 4.98%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $890,000 $445,000 $16,222 4.94%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $890,000 $222,500 $6,591 4.28%
Picayune, MS (FHA|USDA|VA) 3 $885,000 $295,000 $7,103 4.37%
Newberry, SC (FHA|USDA|VA) 3 $885,000 $295,000 $8,470 6.50%
Statesboro, GA (FHA|USDA|VA) 4 $860,000 $215,000 $5,225 4.09%
GREAT FALLS, MT (FHA|USDA|VA) 3 $855,000 $285,000 $10,755 3.54%
BANGOR, ME (FHA|USDA|VA) 3 $855,000 $285,000 $9,141 4.83%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $835,000 $835,000 $18,814 3.63%
GAINESVILLE, FL (FHA|USDA|VA) 3 $835,000 $278,333 $10,183 4.54%
Roseburg, OR (FHA|USDA|VA) 3 $835,000 $278,333 $10,527 4.13%
Madisonville, KY (FHA|USDA|VA) 4 $830,000 $207,500 $3,731 4.78%
EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $825,000 $165,000 $3,840 4.45%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $820,000 $205,000 $11,399 4.40%
Payson, AZ (FHA|USDA|VA) 3 $815,000 $271,667 $17,925 4.42%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $815,000 $271,667 $8,576 4.75%
West Point, MS (FHA|USDA|VA) 5 $795,000 $159,000 $6,466 4.70%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $795,000 $265,000 $6,965 5.38%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $785,000 $261,667 $11,377 6.00%
FORT WAYNE, IN (FHA|USDA|VA) 3 $785,000 $261,667 $7,572 4.71%
ROANOKE, VA (FHA|USDA|VA) 4 $780,000 $195,000 $9,406 5.34%
MERCED, CA (FHA|USDA|VA) 2 $780,000 $390,000 $13,772 3.94%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $775,000 $775,000 $28,550 4.63%
Laconia, NH (FHA|USDA|VA) 3 $775,000 $258,333 $8,646 4.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $770,000 $192,500 $10,265 4.47%
Elko, NV (FHA|USDA|VA) 3 $755,000 $251,667 $8,916 3.63%
SANTA FE, NM (FHA|USDA|VA) 3 $755,000 $251,667 $13,332 3.83%
Starkville, MS (FHA|USDA|VA) 5 $755,000 $151,000 $6,918 5.10%
Granbury, TX (FHA|USDA|VA) 2 $750,000 $375,000 $11,361 5.69%
ST. GEORGE, UT (FHA|USDA|VA) 2 $740,000 $370,000 $10,609 3.31%
TULSA, OK (FHA|USDA|VA) 4 $740,000 $185,000 $8,928 4.22%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $730,000 $365,000 $12,435 5.44%
WILMINGTON, NC (FHA|USDA|VA) 2 $730,000 $365,000 $7,062 4.69%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $725,000 $241,667 $9,380 4.58%
Scottsboro, AL (FHA|USDA|VA) 4 $720,000 $180,000 $6,455 4.25%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $700,000 $350,000 $11,255 4.68%
FLINT, MI (FHA|USDA|VA) 3 $695,000 $231,667 $12,272 4.71%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $680,000 $340,000 $13,238 4.00%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $670,000 $335,000 $14,740 4.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $655,000 $218,333 $7,598 4.17%
Fallon, NV (FHA|USDA|VA) 2 $650,000 $325,000 $17,600 4.63%
MOBILE, AL (FHA|USDA|VA) 3 $635,000 $211,667 $10,500 3.71%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $635,000 $211,667 $16,560 5.50%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $620,000 $310,000 $6,078 4.00%
JONESBORO, AR (FHA|USDA|VA) 4 $620,000 $155,000 $7,548 4.59%
BISMARCK, ND (FHA|USDA|VA) 2 $620,000 $310,000 $16,134 4.50%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $605,000 $605,000 $20,409 5.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $600,000 $300,000 $19,669 4.25%
READING, PA (FHA|USDA|VA) 2 $600,000 $300,000 $13,647 5.37%
GOLDSBORO, NC (FHA|USDA|VA) 2 $590,000 $295,000 $10,094 4.25%
CHEYENNE, WY (FHA|USDA|VA) 2 $590,000 $295,000 $11,110 4.88%
LAWTON, OK (FHA|USDA|VA) 2 $580,000 $290,000 $9,805 2.75%
MISSOULA, MT (FHA|USDA|VA) 1 $565,000 $565,000 $41,323 3.25%
BATON ROUGE, LA (FHA|USDA|VA) 3 $565,000 $188,333 $9,043 5.13%
Red Bluff, CA (FHA|USDA|VA) 2 $560,000 $280,000 $10,889 4.50%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $560,000 $280,000 $11,076 4.94%
TYLER, TX (FHA|USDA|VA) 2 $560,000 $280,000 $10,435 6.12%
Aberdeen, WA (FHA|USDA|VA) 2 $560,000 $280,000 $13,447 2.69%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $550,000 $275,000 $9,985 5.19%
HAMMOND, LA (FHA|USDA|VA) 2 $550,000 $275,000 $7,053 3.38%
Jesup, GA (FHA|USDA|VA) 2 $550,000 $275,000 $8,541 4.88%
SALINAS, CA (FHA|USDA|VA) 1 $535,000 $535,000 $10,103 3.50%
EL CENTRO, CA (FHA|USDA|VA) 2 $530,000 $265,000 $11,389 4.44%
OWENSBORO, KY (FHA|USDA|VA) 4 $530,000 $132,500 $5,108 5.69%
AMARILLO, TX (FHA|USDA|VA) 3 $525,000 $175,000 $6,136 4.63%
BEND, OR (FHA|USDA|VA) 2 $520,000 $260,000 $11,454 4.50%
Boone, NC (FHA|USDA|VA) 1 $515,000 $515,000 $15,426 4.00%
MONROE, LA (FHA|USDA|VA) 2 $510,000 $255,000 $7,245 4.25%
JACKSON, TN (FHA|USDA|VA) 2 $510,000 $255,000 $5,621 3.88%
ALBANY, GA (FHA|USDA|VA) 2 $500,000 $250,000 $7,141 5.38%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $500,000 $250,000 $14,415 4.00%
Seneca, SC (FHA|USDA|VA) 2 $490,000 $245,000 $11,007 3.75%
LANCASTER, PA (FHA|USDA|VA) 2 $490,000 $245,000 $7,735 4.50%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $485,000 $485,000 $13,651 5.25%
Gainesville, TX (FHA|USDA|VA) 1 $485,000 $485,000 $15,280 7.13%
St. Marys, GA (FHA|USDA|VA) 2 $480,000 $240,000 $8,380 4.44%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $475,000 $158,333 $8,468 7.12%
Gaffney, SC (FHA|USDA|VA) 2 $470,000 $235,000 $8,923 5.00%
Shelby, NC (FHA|USDA|VA) 2 $460,000 $230,000 $10,325 5.19%
Centralia, WA (FHA|USDA|VA) 2 $450,000 $225,000 $15,201 3.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $450,000 $225,000 $8,657 4.63%
YUMA, AZ (FHA|USDA|VA) 3 $445,000 $148,333 $8,092 5.13%
Calhoun, GA (FHA|USDA|VA) 2 $440,000 $220,000 $7,054 5.44%
Mexico, MO (FHA|USDA|VA) 2 $440,000 $220,000 $8,684 4.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $435,000 $435,000 $14,793 2.38%
MANHATTAN, KS (FHA|USDA|VA) 2 $430,000 $215,000 $8,030 5.19%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $430,000 $215,000 $9,869 4.56%
Hutchinson, KS (FHA|USDA|VA) 1 $425,000 $425,000 $13,737 4.38%
Cleveland, MS (FHA|USDA|VA) 2 $420,000 $210,000 $9,423 3.44%
Corinth, MS (FHA|USDA|VA) 2 $420,000 $210,000 $6,105 4.88%
Cañon City, CO (FHA|USDA|VA) 1 $415,000 $415,000 $25,320 3.63%
ANN ARBOR, MI (FHA|USDA|VA) 1 $415,000 $415,000 $9,660 6.63%
GRANTS PASS, OR (FHA|USDA|VA) 1 $405,000 $405,000 $16,925 3.75%
Alamogordo, NM (FHA|USDA|VA) 2 $400,000 $200,000 $6,482 3.94%
Clarksburg, WV (FHA|USDA|VA) 1 $395,000 $395,000 $8,037 6.50%
Klamath Falls, OR (FHA|USDA|VA) 1 $395,000 $395,000 $12,220 5.13%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $395,000 $395,000 $15,802 4.75%
Sanford, NC (FHA|USDA|VA) 2 $390,000 $195,000 $9,313 4.63%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $390,000 $195,000 $2,403 4.69%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $390,000 $195,000 $7,056 5.19%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $390,000 $195,000 $8,509 4.19%
Palatka, FL (FHA|USDA|VA) 1 $385,000 $385,000 $18,388 3.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $385,000 $385,000 $11,785 2.75%
Shelton, WA (FHA|USDA|VA) 1 $385,000 $385,000 $19,927 3.75%
COLUMBUS, IN (FHA|USDA|VA) 1 $375,000 $375,000 $4,444 3.88%
Sandpoint, ID (FHA|USDA|VA) 2 $370,000 $185,000 $13,066 4.19%
Waycross, GA (FHA|USDA|VA) 2 $370,000 $185,000 $9,062 5.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $365,000 $121,667 $4,866 5.54%
LEBANON, PA (FHA|USDA|VA) 1 $365,000 $365,000 $15,340 4.13%
MADISON, WI (FHA|USDA|VA) 1 $365,000 $365,000 $11,070 3.25%
JOPLIN, MO (FHA|USDA|VA) 2 $360,000 $180,000 $11,161 4.44%
Harrison, AR (FHA|USDA|VA) 1 $355,000 $355,000 $26,929 2.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $355,000 $118,333 $5,620 5.50%
Central City, KY (FHA|USDA|VA) 1 $355,000 $355,000 $3,526 5.88%
Las Vegas, NM (FHA|USDA|VA) 1 $355,000 $355,000 $9,954 3.75%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $355,000 $355,000 $14,141 5.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $345,000 $345,000 $5,569 6.13%
Mountain Home, ID (FHA|USDA|VA) 1 $345,000 $345,000 $26,370 4.75%
Elkins, WV (FHA|USDA|VA) 1 $345,000 $345,000 $11,842 3.13%
ALTOONA, PA (FHA|USDA|VA) 1 $345,000 $345,000 $22,533 6.88%
OCALA, FL (FHA|USDA|VA) 2 $340,000 $170,000 $6,751 6.25%
LYNCHBURG, VA (FHA|USDA|VA) 2 $340,000 $170,000 $6,485 4.06%
Richmond-Berea, KY (FHA|USDA|VA) 1 $335,000 $335,000 $13,413 4.75%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $335,000 $335,000 $17,352 5.75%
Huntsville, TX (FHA|USDA|VA) 1 $335,000 $335,000 $21,436 5.25%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $330,000 $165,000 $7,750 4.38%
MORRISTOWN, TN (FHA|USDA|VA) 2 $330,000 $165,000 $8,278 4.13%
Scottsburg, IN (FHA|USDA|VA) 2 $330,000 $165,000 $5,531 4.94%
Hudson, NY (FHA|USDA|VA) 1 $325,000 $325,000 $19,092 5.75%
Brookhaven, MS (FHA|USDA|VA) 1 $325,000 $325,000 $4,203 3.50%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $325,000 $325,000 $16,775 4.38%
KINGSTON, NY (FHA|USDA|VA) 1 $325,000 $325,000 $17,102 3.25%
TWIN FALLS, ID (FHA|USDA|VA) 1 $325,000 $325,000 $25,273 4.25%
Nogales, AZ (FHA|USDA|VA) 2 $320,000 $160,000 $8,238 2.94%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $315,000 $315,000 $11,487 3.63%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $315,000 $315,000 $12,933 4.25%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $315,000 $315,000 $11,549 4.99%
Sedalia, MO (FHA|USDA|VA) 1 $315,000 $315,000 $11,102 2.75%
BLOOMINGTON, IN (FHA|USDA|VA) 3 $305,000 $101,667 $5,286 5.04%
Lebanon, NH-VT (FHA|USDA|VA) 1 $305,000 $305,000 $12,532 4.75%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $305,000 $305,000 $11,228 2.75%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $305,000 $305,000 $11,449 5.63%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $295,000 $295,000 $3,173 4.99%
Helena, MT (FHA|USDA|VA) 1 $295,000 $295,000 $11,808 3.63%
Duncan, OK (FHA|USDA|VA) 1 $295,000 $295,000 $6,237 2.75%
Crossville, TN (FHA|USDA|VA) 1 $295,000 $295,000 $19,768 3.63%
Menomonie, WI (FHA|USDA|VA) 1 $295,000 $295,000 $9,652 5.13%
The Dalles, OR (FHA|USDA|VA) 1 $295,000 $295,000 $20,480 3.25%
McMinnville, TN (FHA|USDA|VA) 1 $295,000 $295,000 $11,282 4.75%
Kerrville, TX (FHA|USDA|VA) 1 $285,000 $285,000 $10,481 5.63%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $285,000 $285,000 $21,953 4.75%
Sheridan, WY (FHA|USDA|VA) 1 $285,000 $285,000 $9,457 5.49%
Big Stone Gap, VA (FHA|USDA|VA) 1 $285,000 $285,000 $9,748 5.63%
Ashland, OH (FHA|USDA|VA) 1 $285,000 $285,000 $13,851 5.13%
RAPID CITY, SD (FHA|USDA|VA) 1 $285,000 $285,000 $12,491 3.63%
Oak Harbor, WA (FHA|USDA|VA) 1 $285,000 $285,000 $9,520 3.99%
Safford, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $14,534 2.75%
Malvern, AR (FHA|USDA|VA) 2 $280,000 $140,000 $8,205 5.19%
Great Bend, KS (FHA|USDA|VA) 1 $275,000 $275,000 $12,434 4.99%
West Plains, MO (FHA|USDA|VA) 1 $275,000 $275,000 $9,993 2.75%
Baraboo, WI (FHA|USDA|VA) 1 $275,000 $275,000 $17,495 2.75%
Sevierville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $9,928 2.63%
Crawfordsville, IN (FHA|USDA|VA) 1 $275,000 $275,000 $10,697 4.75%
Lawrenceburg, TN (FHA|USDA|VA) 1 $265,000 $265,000 $1,596 3.50%
IOWA CITY, IA (FHA|USDA|VA) 1 $265,000 $265,000 $23,686 5.75%
DUBUQUE, IA (FHA|USDA|VA) 1 $265,000 $265,000 $14,578 3.25%
Port Angeles, WA (FHA|USDA|VA) 1 $265,000 $265,000 $10,000 4.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $265,000 $265,000 $16,761 3.75%
Forest City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $10,502 2.50%
Warrensburg, MO (FHA|USDA|VA) 1 $265,000 $265,000 $9,916 4.75%
BRUNSWICK, GA (FHA|USDA|VA) 1 $265,000 $265,000 $9,341 3.88%
Americus, GA (FHA|USDA|VA) 1 $265,000 $265,000 $12,462 5.75%
KOKOMO, IN (FHA|USDA|VA) 1 $265,000 $265,000 $4,396 5.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $265,000 $265,000 $14,104 6.75%
FAIRBANKS, AK (FHA|USDA|VA) 1 $255,000 $255,000 $11,860 4.50%
DALTON, GA (FHA|USDA|VA) 1 $255,000 $255,000 $18,549 5.13%
Sonora, CA (FHA|USDA|VA) 1 $255,000 $255,000 $7,077 2.99%
Silver City, NM (FHA|USDA|VA) 1 $255,000 $255,000 $10,403 2.63%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $255,000 $255,000 $20,606 6.25%
ERIE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $16,524 2.75%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $255,000 $255,000 $19,127 4.63%
Show Low, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $9,183 4.63%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $255,000 $255,000 $14,349 5.63%
CASPER, WY (FHA|USDA|VA) 1 $245,000 $245,000 $8,465 3.50%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $245,000 $245,000 $10,062 3.25%
Mount Vernon, OH (FHA|USDA|VA) 1 $245,000 $245,000 $8,898 3.88%
Tahlequah, OK (FHA|USDA|VA) 1 $245,000 $245,000 $11,421 4.75%
Martin, TN (FHA|USDA|VA) 1 $245,000 $245,000 $6,113 3.38%
WHEELING, WV-OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,328 4.50%
Marion, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,590 3.38%
Fairmont, MN (FHA|USDA|VA) 1 $245,000 $245,000 $14,334 3.25%
Greenville, MS (FHA|USDA|VA) 2 $240,000 $120,000 $5,036 3.19%
Elizabeth City, NC (FHA|USDA|VA) 1 $235,000 $235,000 $16,130 4.25%
GREEN BAY, WI (FHA|USDA|VA) 1 $235,000 $235,000 $8,419 5.75%
Wilson, NC (FHA|USDA|VA) 1 $235,000 $235,000 $7,268 3.38%
FORT COLLINS, CO (FHA|USDA|VA) 1 $235,000 $235,000 $12,611 5.25%
Searcy, AR (FHA|USDA|VA) 1 $235,000 $235,000 $8,204 3.63%
Blytheville, AR (FHA|USDA|VA) 1 $235,000 $235,000 $9,608 5.63%
MORGANTOWN, WV (FHA|USDA|VA) 1 $235,000 $235,000 $6,496 4.25%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $235,000 $235,000 $17,496 4.75%
EL PASO, TX (FHA|USDA|VA) 1 $235,000 $235,000 $8,390 7.13%
Seymour, IN (FHA|USDA|VA) 1 $235,000 $235,000 $15,825 2.75%
Roswell, NM (FHA|USDA|VA) 1 $225,000 $225,000 $16,738 3.00%
MIDLAND, MI (FHA|USDA|VA) 1 $225,000 $225,000 $8,989 6.88%
Laurinburg, NC (FHA|USDA|VA) 1 $225,000 $225,000 $10,216 5.25%
Bogalusa, LA (FHA|USDA|VA) 1 $225,000 $225,000 $17,984 4.75%
UTICA-ROME, NY (FHA|USDA|VA) 1 $225,000 $225,000 $16,657 3.88%
STAUNTON, VA (FHA|USDA|VA) 1 $225,000 $225,000 $13,865 2.75%
Sturgis, MI (FHA|USDA|VA) 1 $215,000 $215,000 $7,861 3.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $215,000 $215,000 $9,035 5.25%
Sandusky, OH (FHA|USDA|VA) 1 $215,000 $215,000 $14,797 3.50%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $215,000 $215,000 $15,394 4.75%
Winnemucca, NV (FHA|USDA|VA) 1 $215,000 $215,000 $9,648 5.63%
Quincy, IL-MO (FHA|USDA|VA) 1 $215,000 $215,000 $8,326 5.13%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $215,000 $215,000 $17,851 6.25%
Hays, KS (FHA|USDA|VA) 1 $215,000 $215,000 $7,895 4.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $215,000 $215,000 $7,419 4.63%
Eufaula, AL-GA (FHA|USDA|VA) 2 $210,000 $105,000 $4,452 4.37%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $205,000 $205,000 $9,036 5.00%
DOTHAN, AL (FHA|USDA|VA) 1 $205,000 $205,000 $8,041 6.13%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $205,000 $205,000 $7,867 5.25%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $205,000 $205,000 $7,141 2.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $205,000 $205,000 $11,009 3.75%
Centralia, IL (FHA|USDA|VA) 1 $205,000 $205,000 $5,697 5.00%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $205,000 $205,000 $6,769 2.75%
Indiana, PA (FHA|USDA|VA) 1 $195,000 $195,000 $7,731 3.63%
Huntingdon, PA (FHA|USDA|VA) 1 $195,000 $195,000 $9,515 7.25%
Lewisburg, PA (FHA|USDA|VA) 1 $195,000 $195,000 $4,423 2.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $195,000 $195,000 $8,142 4.99%
Coos Bay, OR (FHA|USDA|VA) 1 $195,000 $195,000 $8,008 3.63%
London, KY (FHA|USDA|VA) 1 $185,000 $185,000 $2,867 5.38%
Albemarle, NC (FHA|USDA|VA) 1 $185,000 $185,000 $6,754 5.00%
BECKLEY, WV (FHA|USDA|VA) 1 $185,000 $185,000 $7,093 3.25%
Pottsville, PA (FHA|USDA|VA) 1 $185,000 $185,000 $5,994 4.63%
Gillette, WY (FHA|USDA|VA) 1 $185,000 $185,000 $4,510 3.25%
ITHACA, NY (FHA|USDA|VA) 1 $185,000 $185,000 $5,685 3.38%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $185,000 $185,000 $6,918 3.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $185,000 $185,000 $8,311 5.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $185,000 $185,000 $7,777 3.38%
Lewisburg, TN (FHA|USDA|VA) 1 $185,000 $185,000 $7,758 5.00%
Indianola, MS (FHA|USDA|VA) 1 $175,000 $175,000 $8,787 3.63%
DuBois, PA (FHA|USDA|VA) 1 $175,000 $175,000 $5,988 4.88%
Minot, ND (FHA|USDA|VA) 1 $175,000 $175,000 $6,997 6.13%
Barre, VT (FHA|USDA|VA) 1 $165,000 $165,000 $11,248 6.25%
FARGO, ND-MN (FHA|USDA|VA) 1 $165,000 $165,000 $5,770 2.75%
Somerset, KY (FHA|USDA|VA) 1 $165,000 $165,000 $7,668 5.63%
Marietta, OH (FHA|USDA|VA) 1 $165,000 $165,000 $10,013 6.25%
MIDLAND, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,608 5.38%
Muskogee, OK (FHA|USDA|VA) 1 $165,000 $165,000 $6,247 6.50%
LAWRENCE, KS (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.13%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $165,000 $165,000 $8,239 6.25%
Ruston, LA (FHA|USDA|VA) 1 $155,000 $155,000 $6,257 4.00%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $155,000 $155,000 $5,299 6.25%
Vicksburg, MS (FHA|USDA|VA) 1 $155,000 $155,000 $3,346 3.99%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $5,874 4.50%
Clearlake, CA (FHA|USDA|VA) 1 $155,000 $155,000 $9,044 5.25%
CHARLESTON, WV (FHA|USDA|VA) 1 $155,000 $155,000 $7,465 5.38%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $155,000 $155,000 $8,387 4.88%
Gloversville, NY (FHA|USDA|VA) 1 $145,000 $145,000 $11,694 5.63%
Thomaston, GA (FHA|USDA|VA) 1 $145,000 $145,000 $6,493 3.63%
Keene, NH (FHA|USDA|VA) 1 $145,000 $145,000 $9,024 5.38%
Kinston, NC (FHA|USDA|VA) 1 $145,000 $145,000 $7,523 3.75%
WACO, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,815 5.38%
Danville, KY (FHA|USDA|VA) 1 $145,000 $145,000 $8,244 4.75%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $135,000 $135,000 $9,723 4.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $135,000 $135,000 $7,271 5.63%
Fremont, OH (FHA|USDA|VA) 1 $135,000 $135,000 $8,734 4.75%
Paris, TN (FHA|USDA|VA) 1 $135,000 $135,000 $9,547 5.63%
Bartlesville, OK (FHA|USDA|VA) 1 $135,000 $135,000 $8,416 4.75%
Laramie, WY (FHA|USDA|VA) 1 $125,000 $125,000 $2,011 5.99%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $125,000 $125,000 $6,803 6.25%
Martinsville, VA (FHA|USDA|VA) 1 $125,000 $125,000 $8,742 6.13%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,361 4.38%
Poplar Bluff, MO (FHA|USDA|VA) 1 $125,000 $125,000 $2,163 3.13%
Oil City, PA (FHA|USDA|VA) 1 $125,000 $125,000 $5,259 5.13%
ODESSA, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,907 7.63%
Norwalk, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,147 3.88%
Adrian, MI (FHA|USDA|VA) 1 $115,000 $115,000 $5,461 3.88%
Fort Payne, AL (FHA|USDA|VA) 1 $115,000 $115,000 $4,401 4.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $115,000 $115,000 $5,905 4.88%
SAGINAW, MI (FHA|USDA|VA) 1 $105,000 $105,000 $7,271 5.13%
ABILENE, TX (FHA|USDA|VA) 1 $95,000 $95,000 $6,133 5.87%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $95,000 $95,000 $6,531 3.63%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $95,000 $95,000 $6,102 5.49%
North Vernon, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,389 4.63%
Marshall, MO (FHA|USDA|VA) 1 $75,000 $75,000 $4,259 5.00%
BINGHAMTON, NY (FHA|USDA|VA) 1 $75,000 $75,000 $5,979 6.63%
Kennett, MO (FHA|USDA|VA) 1 $75,000 $75,000 $3,313 5.63%
Bennettsville, SC (FHA|USDA|VA) 1 $55,000 $55,000 $4,537 5.63%
Magnolia Bank's top markets include Atlanta, Louisville, Dallas, Gulfport, and Houston among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,025 $513,085,000 $253,375 $6,005 4.73%
    VA 1,284 $396,120,000 $308,505 $13,093 4.38%
    FHA 614 $142,380,000 $231,889 $10,531 4.94%
    USDA 199 $34,415,000 $172,940 $5,719 4.63%

    For 2022, Magnolia Bank's most frequently originated type of loan was Conventional, with 2,025 originations. Their 2nd most popular type was VA, with 1,284 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,220 $570,060,000 $256,784 $7,242 4.88%
    Cash Out Refi 1,520 $440,130,000 $289,559 $12,192 4.41%
    Refi 276 $57,580,000 $208,623 $5,309 3.95%
    Home Improvement 71 $11,595,000 $163,310 $5,610 5.07%
    Other 35 $6,635,000 $189,571 $6,538 4.92%

    For 2022, Magnolia Bank's most frequently cited loan purpose was Home Purchase, with 2,220 originations. The 2nd most popular reason was Cash Out Refi, with 1,520 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,787 $1,022,015,000 $269,875 $9,203 4.69%
    15 Year 171 $33,015,000 $193,070 $5,003 3.62%
    20 Year 114 $20,330,000 $178,333 $5,139 4.76%
    Other 33 $8,875,000 $268,939 $12,173 4.61%
    10 Year 14 $1,620,000 $115,714 $3,946 4.29%
    1 Year 1 $75,000 $75,000 $0 3.95%
    3 Year 1 $15,000 $15,000 $0 6.00%
    5 Year 1 $55,000 $55,000 $0 3.75%

    For 2022, Magnolia Bank's most frequently cited loan duration was 30 Year, with 3,787 originations. The 2nd most popular length was 15 Year, with 171 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,618 $534,260,000 $330,198
    $1k-2k 775 $174,335,000 $224,948
    $<1k 520 $119,360,000 $229,538
    $2k-3k 414 $84,130,000 $203,213
    $3k-4k 362 $76,900,000 $212,431
    $4k-5k 307 $73,275,000 $238,681

    Magnolia Bank's average total fees were $9,203, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,618 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,175 $304,425,000 $259,085
    3-4% 1,079 $285,465,000 $264,564
    4-5% 1,064 $287,490,000 $270,197
    6-7% 381 $97,195,000 $255,105
    2.5-3% 317 $85,135,000 $268,565
    7-8% 67 $15,705,000 $234,403
    <2.5% 39 $10,585,000 $271,410

    During 2022, Magnolia Bank's average interest rate for loans was 4.69%, while their most frequently originated rate bucket for loans was 5-6%, with 1,175 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,167 $612,505,000 $282,651 $9,813 4.61%
    $100k-200k 1,206 $184,310,000 $152,828 $5,604 4.72%
    $400k-600k 462 $217,800,000 $471,429 $13,996 4.60%
    $100,000 or less 206 $15,900,000 $77,184 $3,764 4.67%
    $600k-1MM 78 $52,140,000 $668,462 $16,726 4.69%
    $1MM+ 3 $3,345,000 $1,115,000 $47,123 4.42%

    2022 saw Magnolia Bank place emphasis on $200k-400k loans with 2,167 originations, totaling $612,505,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,194 $271,790,000 $227,630 $8,789 4.61%
    $75k-100k 883 $240,885,000 $272,803 $9,553 4.69%
    $100k-150k 808 $257,000,000 $318,069 $9,989 4.74%
    $50k or less 669 $106,305,000 $158,901 $6,519 4.55%
    $150k-250k 375 $145,005,000 $386,680 $10,752 4.75%
    $250k+ 108 $45,480,000 $421,111 $9,971 5.01%

    Magnolia Bank lent most frequently to those with incomes in the $50k-75k range, with 1,194 originations. The second most popular income band? $75k-100k, with 883 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 658 $166,560,000 $253,131 $8,172 4.60%
    20-30% 655 $153,395,000 $234,191 $6,818 4.51%
    50-60% 394 $124,210,000 $315,254 $14,004 4.69%
    44% 207 $56,335,000 $272,150 $9,299 4.75%
    <20% 177 $36,795,000 $207,881 $5,742 4.48%
    42% 173 $46,895,000 $271,069 $8,918 4.65%
    41% 166 $41,730,000 $251,386 $8,618 4.81%
    43% 163 $47,645,000 $292,301 $9,506 4.69%
    49% 158 $46,860,000 $296,582 $9,929 4.98%
    39% 156 $43,190,000 $276,859 $8,701 4.77%
    40% 151 $39,985,000 $264,801 $8,776 4.62%
    45% 149 $41,365,000 $277,617 $10,308 4.82%
    36% 147 $38,195,000 $259,830 $7,993 4.54%
    46% 142 $39,930,000 $281,197 $9,852 4.87%
    48% 142 $41,140,000 $289,718 $10,984 4.77%
    38% 134 $33,400,000 $249,254 $7,568 4.75%
    37% 133 $33,145,000 $249,211 $8,148 4.61%
    47% 118 $35,380,000 $299,831 $11,205 4.73%
    >60% 2 $500,000 $250,000 $11,234 4.82%

    Magnolia Bank lent most frequently to those with DTI ratios of 30-36%, with 658 originations. The next most common DTI ratio? 20-30%, with 655 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,225 $826,465,000 $256,268 $8,442 4.62%
    Black 485 $145,845,000 $300,711 $11,992 4.58%
    Not provided 265 $71,805,000 $270,962 $9,372 4.87%
    Asian 68 $19,110,000 $281,029 $8,864 4.94%
    American Indian 41 $12,775,000 $311,585 $10,629 4.64%
    Not applicable 25 $5,745,000 $229,800 $0 5.41%
    Native Hawaiian or Islander 7 $2,175,000 $310,714 $12,449 5.50%
    Asian Indian 2 $930,000 $465,000 $10,955 5.94%
    Chinese 1 $405,000 $405,000 $10,020 6.63%
    Vietnamese 1 $335,000 $335,000 $6,819 5.50%
    Filipino 1 $255,000 $255,000 $2,562 3.25%
    Other Asian 1 $155,000 $155,000 $6,297 4.25%

    Approval Rates

    Total approvals of all applications
    91.51%

    Magnolia Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.57%

    Magnolia Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,122 $1,086,000,000 $263,464

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,122 $1,086,000,000 $263,464

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 141 $25,205,000 $178,759 $5,412 4.55%
    40-60% 371 $78,185,000 $210,741 $6,234 4.40%
    60-80% 1,163 $306,725,000 $263,736 $8,093 4.62%
    80-100% 2,370 $653,480,000 $275,730 $9,829 4.70%
    Over 100% 63 $21,255,000 $337,381 $15,553 4.82%
    Under 20% 14 $1,150,000 $82,143 $3,203 4.96%