Jonesburg State Bank Mortgage Rates, Fees & Info
WARRENTON, MOLEI: 549300WMGNZX1DVKD167
Tax ID: 43-0346470
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Mortgage Data
Review & Overview
Jonesburg State Bank is a smaller bank specializing in Home Purchase and Refi loans. Jonesburg State Bank has a high proportion of conventional loans. Their top two markets are St. Louis and Jefferson City .Jonesburg State Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
28Origination Dollar Volume (All Markets)
$4,160,000Top 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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 14 | $1,960,000 | $140,000 | $0 | 0.00% |
| Outside of Metro Areas | 11 | $1,585,000 | $144,091 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 28 | $4,160,000 | $148,571 | $0 | 0.00% |
For 2023, Jonesburg State Bank's most frequently originated type of loan was Conventional, with 28 originations.
Loan Reason
For 2023, Jonesburg State Bank's most frequently cited loan purpose was Home Purchase, with 11 originations. The 2nd most popular reason was Home Improvement, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 28 | $4,160,000 | $148,571 | $0 | 0.00% |
For 2023, Jonesburg State Bank's most frequently cited loan duration was Other, with 28 originations.
Loan Sizing
2023 saw Jonesburg State Bank place emphasis on $100,000 or less loans with 14 originations, totaling $720,000 in origination value.
Applicant Income
Jonesburg State Bank lent most frequently to those with incomes in the $50k-75k range, with 6 originations. The second most popular income band? $75k-100k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 28 | $4,160,000 | $148,571 | $0 | 0.00% |
Jonesburg State Bank lent most frequently to those with DTI ratios of Exempt%, with 28 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 25 | $3,735,000 | $149,400 | $0 | 0.00% |
| Not applicable | 3 | $425,000 | $141,667 | $0 | 0.00% |
Approval Rates
Total approvals of all applications79.07%
Jonesburg State Bank has a below average approval rate.
Pick Rate
Approvals leading to origination82.14%
Jonesburg State Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 28 | $4,160,000 | $148,571 |