Jonesburg State Bank Mortgage Rates, Fees & Info

WARRENTON, MO

LEI: 549300WMGNZX1DVKD167

Tax ID: 43-0346470

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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 markets by origination volume include: St. Louis, Edwards, Jefferson City, Kansas City, and Mexico among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Jonesburg State Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

    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.

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    Originations

    48

    Origination Dollar Volume (All Markets)

    $5,690,000

    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
    Outside of Metro Areas 22 $2,120,000 $96,364 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 21 $1,905,000 $90,714 $0 0.00%
    Edwards, CO (FHA|USDA|VA) 1 $1,195,000 $1,195,000 $0 0.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
    Mexico, MO (FHA|USDA|VA) 2 $90,000 $45,000 $0 0.00%
    Jonesburg State Bank's top markets include St. Louis, Edwards, Jefferson City, Kansas City, and Mexico among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 48 $5,690,000 $118,542 $0 0.00%

    For 2018, Jonesburg State Bank's most frequently originated type of loan was Conventional, with 48 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 28 $3,280,000 $117,143 $0 0.00%
    Refi 13 $2,005,000 $154,231 $0 0.00%
    Other 4 $160,000 $40,000 $0 0.00%
    Cash Out Refi 2 $220,000 $110,000 $0 0.00%
    Home Improvement 1 $25,000 $25,000 $0 0.00%

    For 2018, Jonesburg State Bank's most frequently cited loan purpose was Home Purchase, with 28 originations. The 2nd most popular reason was Refi, with 13 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 48 $5,690,000 $118,542 $0 0.00%

    For 2018, Jonesburg State Bank's most frequently cited loan duration was Other, with 48 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 30 $1,360,000 $45,333 $0 0.00%
    $100k-200k 12 $1,540,000 $128,333 $0 0.00%
    $200k-400k 4 $1,180,000 $295,000 $0 0.00%
    $1MM+ 1 $1,195,000 $1,195,000 $0 0.00%
    $400k-600k 1 $415,000 $415,000 $0 0.00%

    2018 saw Jonesburg State Bank place emphasis on $100,000 or less loans with 30 originations, totaling $1,360,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 10 $1,170,000 $117,000 $0 0.00%
    $50k or less 9 $385,000 $42,778 $0 0.00%
    $75k-100k 7 $415,000 $59,286 $0 0.00%
    $100k-150k 6 $400,000 $66,667 $0 0.00%
    $150k-250k 2 $630,000 $315,000 $0 0.00%
    $250k+ 2 $1,260,000 $630,000 $0 0.00%

    Jonesburg State Bank lent most frequently to those with incomes in the $50k-75k range, with 10 originations. The second most popular income band? $50k or less, with 9 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 48 $5,690,000 $118,542 $0 0.00%

    Jonesburg State Bank lent most frequently to those with DTI ratios of Exempt%, with 48 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 37 $4,385,000 $118,514 $0 0.00%
    Not applicable 11 $1,305,000 $118,636 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.14%

    Jonesburg State Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.67%

    Jonesburg State Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 48 $5,690,000 $118,542

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $245,000 $245,000
    Multifamily:Site-Built 3 $485,000 $161,667
    Single Family (1-4 Units):Manufactured 11 $845,000 $76,818
    Single Family (1-4 Units):Site-Built 33 $4,115,000 $124,697

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    JAMES B. NUTTER & COMPANY Conventional home mortgage Struggling to pay mortgage 1 12.5%
    JAMES B. NUTTER & COMPANY FHA mortgage Trouble during payment process 1 12.5%
    JAMES B. NUTTER & COMPANY Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 12.5%
    JAMES B. NUTTER & COMPANY Other type of mortgage Closing on a mortgage 1 12.5%
    JAMES B. NUTTER & COMPANY Reverse mortgage Closing on a mortgage 2 25.0%
    JAMES B. NUTTER & COMPANY Reverse mortgage Trouble during payment process 2 25.0%