Jonesburg State Bank Mortgage Rates, Fees & Info

WARRENTON, MO

LEI: 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

28

Origination Dollar Volume (All Markets)

$4,160,000

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
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%
Jonesburg State Bank's top markets include St. Louis and Jefferson City among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 11 $2,345,000 $213,182 $0 0.00%
    Home Improvement 6 $230,000 $38,333 $0 0.00%
    Other 6 $670,000 $111,667 $0 0.00%
    Refi 5 $915,000 $183,000 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 14 $720,000 $51,429 $0 0.00%
    $100k-200k 9 $1,545,000 $171,667 $0 0.00%
    $200k-400k 4 $1,040,000 $260,000 $0 0.00%
    $600k-1MM 1 $855,000 $855,000 $0 0.00%

    2023 saw Jonesburg State Bank place emphasis on $100,000 or less loans with 14 originations, totaling $720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 6 $510,000 $85,000 $0 0.00%
    $75k-100k 6 $680,000 $113,333 $0 0.00%
    $100k-150k 5 $925,000 $185,000 $0 0.00%
    $50k or less 4 $340,000 $85,000 $0 0.00%
    $150k-250k 2 $370,000 $185,000 $0 0.00%
    $250k+ 1 $855,000 $855,000 $0 0.00%

    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 applications
    79.07%

    Jonesburg State Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    82.14%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    28 $4,160,000 $148,571