Magnolia Bank Mortgage Rates, Fees & Info
Magnolia, KYLEI: 549300REENMLD2RN3W58
Tax ID: 61-0126230
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Review & Overview
Magnolia Bank is a small bank specializing in Home Purchase, Cash Out Refi, and Refi loans. Magnolia Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Louisville, Atlanta, Asheville, New York, and Augusta among others. We have data for 513 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 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 | 6.72% | 12/17/24 |
| 30 Year Conventional Refi | 6.67% | 12/17/24 |
| 30 Year Cash-out Refi | 6.86% | 12/17/24 |
| 30 Year FHA Purchase | 7.39% | 12/17/24 |
| 30 Year FHA Refi | 7.22% | 12/17/24 |
| 30 Year VA Purchase | 6.35% | 12/17/24 |
| 30 Year VA Refi | 6.03% | 12/17/24 |
| 30 Year USDA Purchase | 6.83% | 12/17/24 |
| 15 Year Conventional Purchase | 6.16% | 12/17/24 |
| 15 Year Conventional Refi | 6.19% | 12/17/24 |
| 15 Year Cash-out Refi | 6.19% | 12/17/24 |
| 15 Year FHA Purchase | 5.68% | 12/17/24 |
| 15 Year VA Purchase | 6.08% | 12/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Magnolia Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,848Origination Dollar Volume (All Markets)
$1,478,500,000Employee count
352Awards
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Magnolia Bank - 2019
Magnolia Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| LOUISVILLE, KY (FHA|USDA|VA) | 583 | $109,965,000 | $188,619 | $4,277 | 4.22% |
| Outside of Metro Areas | 519 | $83,015,000 | $159,952 | $4,045 | 4.19% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 356 | $69,220,000 | $194,438 | $4,345 | 4.17% |
| ASHEVILLE, NC (FHA|USDA|VA) | 202 | $41,750,000 | $206,683 | $3,688 | 4.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 105 | $35,235,000 | $335,571 | $11,153 | 4.17% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 182 | $33,840,000 | $185,934 | $3,219 | 3.98% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 184 | $32,790,000 | $178,207 | $3,522 | 4.11% |
| SAVANNAH, GA (FHA|USDA|VA) | 143 | $28,245,000 | $197,517 | $4,073 | 3.90% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 76 | $27,170,000 | $357,500 | $12,163 | 3.74% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 110 | $26,340,000 | $239,455 | $5,853 | 4.23% |
| COLUMBIA, SC (FHA|USDA|VA) | 124 | $23,660,000 | $190,806 | $3,597 | 3.95% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 86 | $22,240,000 | $258,605 | $8,877 | 3.88% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 56 | $19,110,000 | $341,250 | $10,328 | 4.03% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 71 | $19,005,000 | $267,676 | $8,565 | 3.94% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 45 | $17,985,000 | $399,667 | $12,177 | 4.15% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 65 | $17,125,000 | $263,462 | $6,935 | 4.15% |
| JACKSON, MS (FHA|USDA|VA) | 69 | $16,095,000 | $233,261 | $3,004 | 4.14% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 50 | $15,340,000 | $306,800 | $9,720 | 3.80% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 75 | $15,075,000 | $201,000 | $5,210 | 4.07% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 72 | $15,060,000 | $209,167 | $4,275 | 4.07% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 55 | $13,985,000 | $254,273 | $7,958 | 4.00% |
| LaGrange, GA-AL (FHA|USDA|VA) | 89 | $13,945,000 | $156,685 | $5,057 | 4.19% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 69 | $13,935,000 | $201,957 | $4,460 | 4.08% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 80 | $13,740,000 | $171,750 | $2,934 | 4.84% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 50 | $13,050,000 | $261,000 | $7,787 | 3.99% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 44 | $12,960,000 | $294,545 | $8,523 | 4.08% |
| Bardstown, KY (FHA|USDA|VA) | 73 | $12,745,000 | $174,589 | $4,052 | 4.17% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 54 | $12,150,000 | $225,000 | $8,192 | 3.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 45 | $12,115,000 | $269,222 | $8,844 | 3.80% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 52 | $12,100,000 | $232,692 | $6,953 | 4.14% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 58 | $12,100,000 | $208,621 | $6,029 | 4.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 47 | $12,085,000 | $257,128 | $7,279 | 3.77% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 71 | $12,015,000 | $169,225 | $3,863 | 4.04% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 27 | $11,935,000 | $442,037 | $14,045 | 3.96% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 51 | $11,805,000 | $231,471 | $8,448 | 3.97% |
| Columbus, MS (FHA|USDA|VA) | 66 | $11,370,000 | $172,273 | $3,756 | 4.04% |
| VALDOSTA, GA (FHA|USDA|VA) | 63 | $11,225,000 | $178,175 | $3,678 | 3.94% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 50 | $10,790,000 | $215,800 | $4,851 | 3.96% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 41 | $10,515,000 | $256,463 | $7,893 | 4.06% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 37 | $10,065,000 | $272,027 | $10,145 | 3.79% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 24 | $9,570,000 | $398,750 | $12,192 | 3.71% |
| RICHMOND, VA (FHA|USDA|VA) | 34 | $9,160,000 | $269,412 | $7,214 | 3.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 26 | $9,110,000 | $350,385 | $10,923 | 3.71% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 27 | $9,035,000 | $334,630 | $12,555 | 3.82% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 34 | $9,000,000 | $264,706 | $8,620 | 3.82% |
| COLUMBUS, OH (FHA|USDA|VA) | 51 | $8,835,000 | $173,235 | $5,956 | 4.39% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 31 | $8,615,000 | $277,903 | $8,309 | 3.77% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 25 | $8,245,000 | $329,800 | $11,312 | 3.83% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 25 | $7,355,000 | $294,200 | $12,367 | 3.93% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 36 | $7,190,000 | $199,722 | $3,646 | 3.86% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 36 | $6,860,000 | $190,556 | $8,053 | 4.38% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 25 | $6,775,000 | $271,000 | $7,391 | 3.94% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 25 | $6,765,000 | $270,600 | $11,400 | 3.81% |
| Corsicana, TX (FHA|USDA|VA) | 33 | $6,585,000 | $199,545 | $5,272 | 4.36% |
| Paducah, KY-IL (FHA|USDA|VA) | 44 | $6,560,000 | $149,091 | $2,749 | 3.97% |
| RENO, NV (FHA|USDA|VA) | 19 | $6,375,000 | $335,526 | $11,881 | 3.73% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 32 | $6,300,000 | $196,875 | $4,796 | 3.96% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 31 | $6,135,000 | $197,903 | $6,668 | 4.13% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 19 | $5,615,000 | $295,526 | $10,374 | 4.05% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 18 | $5,440,000 | $302,222 | $8,505 | 3.87% |
| AKRON, OH (FHA|USDA|VA) | 32 | $5,430,000 | $169,688 | $5,612 | 4.48% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 23 | $5,425,000 | $235,870 | $6,359 | 3.77% |
| BOISE CITY, ID (FHA|USDA|VA) | 21 | $5,155,000 | $245,476 | $10,081 | 3.76% |
| FLORENCE, SC (FHA|USDA|VA) | 34 | $5,100,000 | $150,000 | $3,738 | 3.96% |
| COLUMBIA, MO (FHA|USDA|VA) | 25 | $5,095,000 | $203,800 | $4,084 | 3.84% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 28 | $5,080,000 | $181,429 | $4,756 | 4.08% |
| SPARTANBURG, SC (FHA|USDA|VA) | 27 | $4,995,000 | $185,000 | $3,855 | 4.10% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 23 | $4,975,000 | $216,304 | $6,043 | 3.84% |
| Greenville, MS (FHA|USDA|VA) | 33 | $4,875,000 | $147,727 | $3,409 | 4.20% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 10 | $4,810,000 | $481,000 | $12,843 | 3.81% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 18 | $4,650,000 | $258,333 | $9,403 | 3.97% |
| STOCKTON, CA (FHA|USDA|VA) | 13 | $4,485,000 | $345,000 | $12,281 | 4.13% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 13 | $4,385,000 | $337,308 | $9,229 | 4.53% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 19 | $4,205,000 | $221,316 | $7,257 | 3.99% |
| Jefferson, GA (FHA|USDA|VA) | 17 | $4,005,000 | $235,588 | $5,565 | 4.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 14 | $3,940,000 | $281,429 | $8,340 | 3.77% |
| KNOXVILLE, TN (FHA|USDA|VA) | 15 | $3,885,000 | $259,000 | $9,401 | 4.28% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 16 | $3,800,000 | $237,500 | $6,091 | 4.01% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 15 | $3,745,000 | $249,667 | $8,463 | 4.17% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 16 | $3,570,000 | $223,125 | $5,658 | 3.93% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 20 | $3,570,000 | $178,500 | $4,326 | 4.24% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 12 | $3,540,000 | $295,000 | $11,833 | 3.95% |
| TUCSON, AZ (FHA|USDA|VA) | 16 | $3,530,000 | $220,625 | $10,494 | 3.77% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 15 | $3,485,000 | $232,333 | $6,531 | 4.15% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 19 | $3,415,000 | $179,737 | $3,969 | 3.86% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 13 | $3,335,000 | $256,538 | $7,682 | 3.71% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 13 | $2,955,000 | $227,308 | $10,285 | 3.73% |
| SALEM, OR (FHA|USDA|VA) | 11 | $2,945,000 | $267,727 | $11,280 | 3.95% |
| PROVO-OREM, UT (FHA|USDA|VA) | 10 | $2,940,000 | $294,000 | $17,505 | 3.44% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 12 | $2,940,000 | $245,000 | $9,807 | 3.86% |
| Campbellsville, KY (FHA|USDA|VA) | 26 | $2,920,000 | $112,308 | $1,807 | 4.01% |
| MODESTO, CA (FHA|USDA|VA) | 11 | $2,915,000 | $265,000 | $6,915 | 4.03% |
| ANCHORAGE, AK (FHA|USDA|VA) | 10 | $2,910,000 | $291,000 | $11,544 | 3.81% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 10 | $2,900,000 | $290,000 | $9,347 | 4.21% |
| Glasgow, KY (FHA|USDA|VA) | 26 | $2,840,000 | $109,231 | $3,574 | 4.60% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 14 | $2,840,000 | $202,857 | $4,256 | 3.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 12 | $2,810,000 | $234,167 | $7,580 | 4.23% |
| Mayfield, KY (FHA|USDA|VA) | 25 | $2,805,000 | $112,200 | $2,405 | 4.04% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 13 | $2,795,000 | $215,000 | $6,430 | 3.89% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 12 | $2,780,000 | $231,667 | $10,630 | 4.06% |
| Murray, KY (FHA|USDA|VA) | 19 | $2,645,000 | $139,211 | $2,112 | 4.03% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 8 | $2,600,000 | $325,000 | $14,135 | 4.13% |
| Shelbyville, TN (FHA|USDA|VA) | 13 | $2,595,000 | $199,615 | $2,552 | 4.23% |
| SALINAS, CA (FHA|USDA|VA) | 6 | $2,550,000 | $425,000 | $12,411 | 3.71% |
| Farmington, MO (FHA|USDA|VA) | 19 | $2,545,000 | $133,947 | $2,586 | 4.24% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 11 | $2,525,000 | $229,545 | $7,460 | 3.61% |
| Cullowhee, NC (FHA|USDA|VA) | 13 | $2,475,000 | $190,385 | $3,752 | 3.83% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 9 | $2,455,000 | $272,778 | $10,180 | 3.62% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 8 | $2,380,000 | $297,500 | $10,493 | 3.94% |
| Orangeburg, SC (FHA|USDA|VA) | 14 | $2,330,000 | $166,429 | $3,325 | 3.99% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 12 | $2,270,000 | $189,167 | $8,397 | 3.86% |
| SUMTER, SC (FHA|USDA|VA) | 13 | $2,265,000 | $174,231 | $4,187 | 4.25% |
| Sikeston, MO (FHA|USDA|VA) | 18 | $2,250,000 | $125,000 | $2,424 | 3.97% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $2,225,000 | $317,857 | $14,446 | 4.21% |
| Starkville, MS (FHA|USDA|VA) | 12 | $2,200,000 | $183,333 | $4,005 | 4.00% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,200,000 | $366,667 | $12,342 | 3.54% |
| PANAMA CITY, FL (FHA|USDA|VA) | 8 | $2,200,000 | $275,000 | $12,209 | 4.06% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 9 | $2,195,000 | $243,889 | $7,771 | 3.99% |
| GAINESVILLE, GA (FHA|USDA|VA) | 10 | $2,090,000 | $209,000 | $6,271 | 4.15% |
| ST. GEORGE, UT (FHA|USDA|VA) | 8 | $2,060,000 | $257,500 | $11,814 | 3.84% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 14 | $2,000,000 | $142,857 | $2,440 | 4.16% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 8 | $1,990,000 | $248,750 | $7,927 | 3.94% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 9 | $1,975,000 | $219,444 | $7,849 | 3.47% |
| MADERA, CA (FHA|USDA|VA) | 8 | $1,930,000 | $241,250 | $8,810 | 3.75% |
| BATON ROUGE, LA (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $8,875 | 3.64% |
| WILMINGTON, NC (FHA|USDA|VA) | 8 | $1,910,000 | $238,750 | $7,969 | 3.70% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 10 | $1,880,000 | $188,000 | $7,337 | 3.83% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 9 | $1,875,000 | $208,333 | $7,036 | 3.97% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $13,323 | 3.86% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $1,760,000 | $220,000 | $8,488 | 4.06% |
| Cleveland, MS (FHA|USDA|VA) | 10 | $1,720,000 | $172,000 | $4,067 | 4.09% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $14,590 | 4.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 7 | $1,685,000 | $240,714 | $11,291 | 4.32% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $9,138 | 3.42% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $6,996 | 4.36% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $33,033 | 3.25% |
| MEDFORD, OR (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $11,158 | 3.42% |
| Meridian, MS (FHA|USDA|VA) | 11 | $1,605,000 | $145,909 | $2,612 | 4.20% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $6,181 | 3.79% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $11,987 | 3.71% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $10,660 | 4.25% |
| MONTGOMERY, AL (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $7,294 | 4.11% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $10,554 | 3.48% |
| Statesboro, GA (FHA|USDA|VA) | 8 | $1,500,000 | $187,500 | $4,172 | 4.14% |
| Brevard, NC (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $3,278 | 3.93% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $7,810 | 4.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $5,530 | 4.05% |
| MERCED, CA (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $14,344 | 4.15% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 7 | $1,435,000 | $205,000 | $10,214 | 4.52% |
| MADISON, WI (FHA|USDA|VA) | 5 | $1,435,000 | $287,000 | $9,700 | 3.68% |
| Frankfort, KY (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $5,050 | 4.14% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $7,396 | 4.32% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $7,311 | 4.02% |
| Richmond-Berea, KY (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $4,880 | 4.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $8,445 | 3.80% |
| TULSA, OK (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $9,566 | 4.21% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $6,060 | 3.95% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $9,466 | 4.50% |
| DANVILLE, IL (FHA|USDA|VA) | 13 | $1,335,000 | $102,692 | $2,766 | 3.77% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $10,488 | 3.94% |
| West Point, MS (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $5,287 | 3.98% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $4,648 | 4.06% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $5,509 | 3.69% |
| Dublin, GA (FHA|USDA|VA) | 11 | $1,285,000 | $116,818 | $3,980 | 4.24% |
| CHEYENNE, WY (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $8,593 | 3.68% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $8,874 | 3.89% |
| NEW BERN, NC (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $5,424 | 4.33% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $17,467 | 3.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $6,733 | 4.05% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $5,598 | 3.65% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $5,727 | 3.98% |
| Torrington, CT (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $7,204 | 4.42% |
| Indianola, MS (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $4,845 | 4.22% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 8 | $1,140,000 | $142,500 | $4,586 | 3.94% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $16,144 | 3.79% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $11,267 | 3.58% |
| Clearlake, CA (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $8,542 | 4.47% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $7,561 | 3.93% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $27,744 | 3.87% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 6 | $1,040,000 | $173,333 | $6,028 | 3.85% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $9,050 | 3.75% |
| FAIRBANKS, AK (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $13,695 | 4.19% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $11,100 | 3.69% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $8,526 | 3.67% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $6,913 | 3.96% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $6,797 | 3.75% |
| HINESVILLE, GA (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $6,688 | 3.94% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $7,055 | 4.16% |
| DULUTH, MN-WI (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $7,178 | 4.09% |
| ROCHESTER, MN (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $9,500 | 3.59% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $6,061 | 3.88% |
| TOLEDO, OH (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $10,886 | 3.97% |
| DECATUR, AL (FHA|USDA|VA) | 6 | $890,000 | $148,333 | $2,819 | 4.14% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $10,280 | 3.41% |
| BILLINGS, MT (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $8,837 | 3.56% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $14,830 | 3.69% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $11,699 | 3.53% |
| Shelton, WA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $8,747 | 3.71% |
| Sanford, NC (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $6,985 | 3.75% |
| Atmore, AL (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $4,433 | 4.18% |
| Branson, MO (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $7,212 | 3.44% |
| Albemarle, NC (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $5,889 | 3.34% |
| Fernley, NV (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $12,437 | 4.17% |
| Scottsburg, IN (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $4,807 | 4.30% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $4,989 | 4.45% |
| Prineville, OR (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $9,593 | 4.08% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $9,136 | 4.00% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $4,960 | 4.00% |
| Crossville, TN (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $11,301 | 3.58% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $14,968 | 3.88% |
| LAWTON, OK (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $8,381 | 4.03% |
| Mineral Wells, TX (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $3,988 | 4.22% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $9,879 | 3.92% |
| REDDING, CA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $10,970 | 3.46% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $7,063 | 4.40% |
| Zanesville, OH (FHA|USDA|VA) | 5 | $765,000 | $153,000 | $6,649 | 4.25% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $6,829 | 4.00% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $9,857 | 4.50% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $6,721 | 3.42% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $5,691 | 4.53% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $11,949 | 4.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $12,555 | 3.69% |
| ERIE, PA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $9,345 | 3.44% |
| Ukiah, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $9,585 | 3.56% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $6,446 | 3.31% |
| Marion, NC (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,450 | 4.22% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $9,375 | 3.81% |
| Grand Rapids, MN (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $10,709 | 3.83% |
| DOVER, DE (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $9,166 | 3.75% |
| IOWA CITY, IA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $11,481 | 4.00% |
| Cambridge, OH (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $6,621 | 4.62% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $10,441 | 3.44% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $13,527 | 4.04% |
| Newport, OR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,669 | 3.81% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $4,485 | 4.00% |
| Lumberton, NC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $7,960 | 3.81% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $9,303 | 3.75% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $8,370 | 3.92% |
| MORGANTOWN, WV (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $6,547 | 3.38% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $3,243 | 4.41% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,067 | 3.58% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $9,223 | 4.16% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $9,058 | 3.81% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $12,566 | 3.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,238 | 3.79% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $6,651 | 3.50% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $10,573 | 3.94% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,675 | 3.79% |
| Albertville, AL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $34,538 | 4.63% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,814 | 4.13% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,233 | 4.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $13,177 | 3.81% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,229 | 3.31% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $10,233 | 5.29% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $6,635 | 3.92% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,035 | 4.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $9,321 | 3.91% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $12,999 | 3.56% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,533 | 3.69% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,711 | 3.56% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $13,481 | 3.88% |
| Sidney, OH (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,672 | 3.94% |
| Poplar Bluff, MO (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,211 | 3.54% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $5,997 | 4.25% |
| Marion, OH (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $6,867 | 4.63% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,343 | 3.75% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $3,881 | 3.54% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $7,533 | 3.58% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,977 | 3.69% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,498 | 3.43% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $14,604 | 4.75% |
| Laurel, MS (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,116 | 4.13% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,755 | 3.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,334 | 4.00% |
| Defiance, OH (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,431 | 3.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,789 | 4.56% |
| BINGHAMTON, NY (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $8,887 | 4.63% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $14,021 | 3.50% |
| Toccoa, GA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,429 | 3.96% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $8,965 | 4.42% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $10,872 | 3.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,477 | 3.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,898 | 5.81% |
| Chillicothe, OH (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $7,453 | 4.71% |
| Hilo, HI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,702 | 3.75% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,823 | 4.94% |
| Mountain Home, ID (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $12,022 | 3.56% |
| Blackfoot, ID (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $12,350 | 3.66% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,648 | 4.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $12,398 | 3.81% |
| Enterprise, AL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,207 | 4.19% |
| Payson, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,776 | 4.06% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,924 | 4.56% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,150 | 3.63% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,560 | 3.81% |
| Greenville, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $11,637 | 3.38% |
| Helena, MT (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,882 | 3.38% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $14,369 | 5.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,706 | 4.50% |
| Centralia, WA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,883 | 3.88% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,400 | 3.38% |
| Angola, IN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $20,175 | 4.00% |
| ROME, GA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,916 | 4.46% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,727 | 3.79% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $13,389 | 3.25% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,002 | 3.50% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,215 | 3.00% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,526 | 3.69% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $12,654 | 3.38% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,367 | 3.94% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,769 | 3.94% |
| CASPER, WY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,341 | 3.56% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,978 | 4.31% |
| Picayune, MS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $16,768 | 4.25% |
| Waycross, GA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $4,659 | 4.13% |
| Oxford, MS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,828 | 4.19% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,362 | 3.88% |
| Keene, NH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,672 | 4.68% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,733 | 3.19% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,632 | 3.87% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $21,543 | 3.25% |
| GLENS FALLS, NY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,022 | 4.25% |
| Jasper, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,072 | 4.88% |
| Laramie, WY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $22,181 | 3.75% |
| Union City, TN (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $6,227 | 4.54% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,560 | 3.13% |
| Outside of Metro Areas | 1 | $365,000 | $365,000 | $5,677 | 5.75% |
| Elko, NV (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,529 | 3.50% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,186 | 3.94% |
| Portsmouth, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,574 | 3.94% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,239 | 3.38% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,435 | 3.75% |
| FLINT, MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $12,591 | 3.69% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,578 | 3.38% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $18,528 | 4.13% |
| BEND, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,626 | 4.13% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,735 | 3.49% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,282 | 3.25% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,844 | 3.75% |
| Ruston, LA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,682 | 3.25% |
| Astoria, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,133 | 3.99% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,152 | 4.69% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $2,654 | 4.13% |
| Bennington, VT (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,872 | 4.31% |
| OCALA, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $18,086 | 4.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $23,922 | 3.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,428 | 4.13% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,673 | 4.63% |
| Madison, IN (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $4,291 | 4.46% |
| MONROE, LA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,673 | 4.88% |
| Forest City, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,697 | 4.63% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,926 | 5.50% |
| TYLER, TX (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,949 | 4.88% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,022 | 3.44% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,046 | 4.25% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,136 | 5.31% |
| Concord, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $18,358 | 3.88% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $14,294 | 4.75% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,697 | 3.25% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $15,146 | 0.00% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,313 | 3.19% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,824 | 3.63% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,980 | 4.25% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,978 | 3.63% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,134 | 3.25% |
| Douglas, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,320 | 3.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,209 | 3.88% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $9,085 | 3.94% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,193 | 3.75% |
| Newberry, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,711 | 4.50% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,897 | 3.63% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,627 | 3.38% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,973 | 3.63% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,720 | 4.06% |
| London, KY (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,199 | 3.94% |
| Ontario, OR-ID (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $8,034 | 3.63% |
| Hannibal, MO (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,571 | 3.69% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,085 | 3.50% |
| Danville, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,596 | 4.13% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,098 | 4.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,368 | 4.19% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,217 | 4.19% |
| OWENSBORO, KY (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,568 | 4.18% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,509 | 3.25% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,171 | 4.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $14,996 | 3.88% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,379 | 3.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,495 | 3.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,173 | 4.99% |
| Madisonville, KY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,928 | 4.31% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $14,799 | 3.38% |
| Palestine, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,578 | 4.25% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,737 | 4.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $16,552 | 3.25% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $14,849 | 3.75% |
| Easton, MD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,001 | 3.25% |
| Jesup, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,313 | 4.25% |
| RACINE, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,615 | 4.63% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,738 | 3.75% |
| Laconia, NH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,372 | 4.63% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,050 | 4.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $15,515 | 2.88% |
| Minot, ND (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,897 | 3.25% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,919 | 3.88% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,891 | 4.25% |
| Kennett, MO (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $2,832 | 4.08% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,639 | 4.12% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,328 | 3.50% |
| Athens, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,025 | 4.50% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,058 | 3.99% |
| Granbury, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,724 | 3.38% |
| MONROE, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,394 | 3.50% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,205 | 3.63% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $14,203 | 3.88% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,478 | 4.50% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,259 | 5.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,477 | 3.50% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,207 | 3.88% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,160 | 3.38% |
| Hailey, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $13,177 | 4.13% |
| Safford, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,195 | 4.63% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,562 | 3.38% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,720 | 3.75% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,264 | 3.63% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,896 | 5.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,061 | 3.00% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,069 | 4.25% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,681 | 4.13% |
| Malone, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $12,233 | 4.13% |
| Roswell, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,526 | 3.63% |
| Shelby, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,504 | 3.00% |
| Durant, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $15,343 | 3.25% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,631 | 4.25% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $13,299 | 3.75% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,413 | 3.38% |
| Jasper, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,578 | 4.50% |
| Clinton, IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,913 | 3.38% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,057 | 4.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,895 | 3.63% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,839 | 3.38% |
| Miami, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,342 | 4.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,822 | 4.88% |
| McComb, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,827 | 3.75% |
| McAlester, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,365 | 4.00% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,968 | 4.13% |
| Russellville, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,722 | 3.25% |
| Riverton, WY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,884 | 5.25% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,241 | 4.25% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,812 | 4.63% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,822 | 3.25% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,632 | 4.38% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,955 | 3.75% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,069 | 3.88% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,424 | 3.75% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,836 | 4.50% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $12,135 | 4.25% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,351 | 3.50% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,295 | 3.25% |
| Marietta, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,128 | 4.99% |
| Batesville, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,748 | 3.63% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,919 | 5.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $6,159 | 4.63% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,961 | 3.63% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,325 | 3.25% |
| Martin, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,769 | 3.50% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,973 | 5.25% |
| Huntington, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,492 | 3.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,422 | 3.63% |
| Seneca, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,193 | 3.63% |
| Bennettsville, SC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,575 | 4.06% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,434 | 4.00% |
| Central City, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,917 | 4.25% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,061 | 4.75% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,520 | 3.63% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,633 | 3.50% |
| Montrose, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,679 | 4.25% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,078 | 4.25% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,999 | 5.88% |
| Findlay, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,760 | 3.75% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,443 | 3.25% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,070 | 5.00% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,413 | 3.38% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,048 | 4.50% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,903 | 3.75% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,355 | 4.50% |
| Cullman, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,165 | 4.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,625 | 3.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,425 | 3.88% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,309 | 4.88% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,344 | 4.50% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,611 | 4.00% |
| West Plains, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,948 | 3.49% |
| Willmar, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,959 | 4.25% |
| Woodward, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,914 | 4.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,724 | 4.38% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,262 | 3.88% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,035 | 4.25% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,301 | 5.13% |
| Bonham, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,275 | 5.13% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,940 | 3.63% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,149 | 4.25% |
| Gillette, WY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,288 | 3.75% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.88% |
| Mason City, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,450 | 3.38% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,300 | 3.88% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,785 | 5.63% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,202 | 5.63% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.88% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,320 | 4.75% |
| LIMA, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,450 | 5.13% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,197 | 5.00% |
| Athens, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,114 | 4.63% |
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Product Mix
For 2019, Magnolia Bank's most frequently originated type of loan was Conventional, with 2,687 originations. Their 2nd most popular type was VA, with 2,263 originations.
Loan Reason
For 2019, Magnolia Bank's most frequently cited loan purpose was Home Purchase, with 2,958 originations. The 2nd most popular reason was Cash Out Refi, with 2,657 originations.
Loan Duration/Length
For 2019, Magnolia Bank's most frequently cited loan duration was 30 Year, with 6,205 originations. The 2nd most popular length was 15 Year, with 357 originations.
Origination Fees/Closing Costs
Magnolia Bank's average total fees were $6,104, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,427 originations.
Interest Rates
During 2019, Magnolia Bank's average interest rate for loans was 4.07%, while their most frequently originated rate bucket for loans was 3-4%, with 3,747 originations.
Loan Sizing
2019 saw Magnolia Bank place emphasis on $200k-400k loans with 2,976 originations, totaling $798,860,000 in origination value.
Applicant Income
Magnolia Bank lent most frequently to those with incomes in the $50k-75k range, with 1,903 originations. The second most popular income band? $50k or less, with 1,506 originations.
Applicant Debt to Income Ratio
Magnolia Bank lent most frequently to those with DTI ratios of 30-36%, with 1,118 originations. The next most common DTI ratio? 20-30%, with 1,113 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.26%
Magnolia Bank has an average approval rate.
Pick Rate
Approvals leading to origination4.02%
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 | 6,848 | $1,478,500,000 | $215,902 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Magnolia Bank | 106 Lincoln Drive Hodgenville, KY 42748 | Full Service B&M | $31,411 |
| Magnolia Bank | 4910 South L And N Turnpike Magnolia, KY 42757 | Full Service B&M | $27,539 |
| Magnolia Bank | 651 West Dixie Avenue Elizabethtown, KY 42701 | Full Service B&M | $69,222 |
| Magnolia Bank | 794 Old Elizabethtown Road Hodgenville, KY 42748 | Full Service B&M | $109,310 |
For 2019, Magnolia Bank had 4 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $11,709 |
| Net interest income | $8,189 |
| Total noninterest income | $59,227 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $375 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $58,852 |
| Pre-tax net operating income | $7,167 |
| Securities gains (or losses, -) | $47 |
| Income before extraordinary items | $7,107 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $7,107 |
| Minority interest net income | $0 |
| Net income | $7,107 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $7,060 |
Magnolia Bank's gross interest income from loans was $11,709,000.
Magnolia Bank's net interest income from loans was $8,189,000.
Magnolia Bank's fee based income from loans was $375,000.
Magnolia Bank's net income from loans was $7,107,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $3,520 |
| Provision for credit losses | $217 |
| Total noninterest expense | $60,032 |
| Salaries and employee benefits | $32,855 |
| Premises and equipment expense | $2,175 |
| Additional noninterest expense | $25,002 |
| Applicable income taxes | $107 |
| Net charge-offs | $-25 |
| Cash dividends | $3,368 |
Magnolia Bank's interest expense for loans was $3,520,000.
Magnolia Bank's payroll and benefits expense were $32,855,000.
Magnolia Bank's property, plant and equipment expenses $2,175,000.
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 | $238,137 |
| Deposits held in domestic offices | $238,137 |
| Deposits by Individuals, partnerships, and corporations | $191,641 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $28,466 |
| Deposits by Commercial banks and other depository institutions in U.S. | $18,029 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $85,172 |
| Demand deposits | $83,035 |
| Nontransaction accounts | $152,964 |
| Money market deposit accounts (MMDAs) | $24,441 |
| Other savings deposits (excluding MMDAs) | $14,328 |
| Total time deposits | $114,196 |
| Total time and savings deposits | $155,101 |
| Noninterest-bearing deposits | $27,312 |
| Interest-bearing deposits | $210,825 |
| Retail deposits | $197,695 |
| IRAs and Keogh plan accounts | $9,386 |
| Brokered deposits | $25,021 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $313,272 |
| Cash & Balances due from depository institutions | $6,666 |
| Interest-bearing balances | $731 |
| Total securities | $24,516 |
| Federal funds sold & reverse repurchase | $18,232 |
| Net loans and leases | $241,883 |
| Loan and leases loss allowance | $1,688 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,701 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $3,411 |
| All other assets | $11,863 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $313,272 |
| Total Liabilities | $284,232 |
| Total deposits | $238,137 |
| Interest-bearing deposits | $210,825 |
| Deposits held in domestic offices | $238,137 |
| % insured (estimated) | $83 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $38,960 |
| Subordinated debt | $0 |
| All other liabilities | $7,135 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $241,883 |
| Loan and leases loss allowance | $1,688 |
| Total loans and leases (domestic) | $243,571 |
| All real estate loans | $193,716 |
| Real estate loans in domestic offices | $193,716 |
| Construction and development loans | $14,216 |
| Residential 1-4 family construction | $10,032 |
| Other construction, all land development and other land | $4,184 |
| Loans secured by nonfarm nonresidential properties | $46,255 |
| Nonfarm nonresidential secured by owner-occupied properties | $26,349 |
| Commercial real estate & other non-farm, non-residential | $19,906 |
| Multifamily residential real estate | $2,099 |
| 1-4 family residential loans | $113,173 |
| Farmland loans | $17,973 |
| Loans held in foreign offices | $0 |
| Farm loans | $4,569 |
| Commercial and industrial loans | $12,137 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $2,563 |
| Credit card loans | $0 |
| Related Plans | $68 |
| Consumer Auto Loans | $960 |
| Other loans to individuals | $1,535 |
| All other loans & leases | $30,586 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,955 |
| 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 $241,883,000 of loans outstanding in 2019. $193,716,000 of loans were in real estate loans. $14,216,000 of loans were in development loans. $2,099,000 of loans were in multifamily mortgage loans. $113,173,000 of loans were in 1-4 family mortgage loans. $4,569,000 of loans were in farm loans. $0 of loans were in credit card loans. $960,000 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 | 136 | $26,404 | $194,147 |
| Nonfarm, nonresidential loans - <$100k | 33 | $898 | $27,212 |
| Nonfarm, nonresidential loans - $100-250k | 58 | $7,254 | $125,069 |
| Nonfarm, nonresidential loans - $250k-1MM | 45 | $18,252 | $405,600 |
| Commercial & Industrial, US addressed loans - <$1MM | 217 | $8,231 | $37,931 |
| Commercial & Industrial, US addressed loans - <$100k | 172 | $3,186 | $18,523 |
| Commercial & Industrial, US addressed loans - $100-250k | 35 | $3,156 | $90,171 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 10 | $1,889 | $188,900 |
| Farmland loans - <$1MM | 135 | $11,348 | $84,059 |
| Farmland loans - <$100k | 74 | $2,435 | $32,905 |
| Farmland loans - $100-250k | 44 | $4,742 | $107,773 |
| Farmland loans - $250k-1MM | 17 | $4,171 | $245,353 |
| Agriculture operations loans - <$1MM | 160 | $4,141 | $25,881 |
| Agriculture operations loans - <$100k | 151 | $2,523 | $16,709 |
| Agriculture operations loans - $100-250k | 4 | $477 | $119,250 |
| Agriculture operations loans - $250k-1MM | 5 | $1,141 | $228,200 |