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 two markets are St. Louis and Columbia .

    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

    39

    Origination Dollar Volume (All Markets)

    $6,585,000

    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) 23 $4,805,000 $208,913 $0 0.00%
    Outside of Metro Areas 15 $1,635,000 $109,000 $0 0.00%
    COLUMBIA, MO (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
    Jonesburg State Bank's top markets include St. Louis and Columbia among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 39 $6,585,000 $168,846 $0 0.00%

    For 2019, Jonesburg State Bank's most frequently originated type of loan was Conventional, with 39 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 17 $3,155,000 $185,588 $0 0.00%
    Refi 16 $3,280,000 $205,000 $0 0.00%
    Other 4 $100,000 $25,000 $0 0.00%
    Home Improvement 2 $50,000 $25,000 $0 0.00%

    For 2019, Jonesburg State Bank's most frequently cited loan purpose was Home Purchase, with 17 originations. The 2nd most popular reason was Refi, with 16 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 39 $6,585,000 $168,846 $0 0.00%

    For 2019, Jonesburg State Bank's most frequently cited loan duration was Other, with 39 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 20 $920,000 $46,000 $0 0.00%
    $100k-200k 7 $935,000 $133,571 $0 0.00%
    $400k-600k 6 $2,600,000 $433,333 $0 0.00%
    $200k-400k 5 $1,425,000 $285,000 $0 0.00%
    $600k-1MM 1 $705,000 $705,000 $0 0.00%

    2019 saw Jonesburg State Bank place emphasis on $100,000 or less loans with 20 originations, totaling $920,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 8 $420,000 $52,500 $0 0.00%
    $100k-150k 6 $1,390,000 $231,667 $0 0.00%
    $50k-75k 6 $470,000 $78,333 $0 0.00%
    $150k-250k 4 $1,710,000 $427,500 $0 0.00%
    $75k-100k 4 $90,000 $22,500 $0 0.00%
    $250k+ 2 $580,000 $290,000 $0 0.00%

    Jonesburg State Bank lent most frequently to those with incomes in the $50k or less range, with 8 originations. The second most popular income band? $100k-150k, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 39 $6,585,000 $168,846 $0 0.00%

    Jonesburg State Bank lent most frequently to those with DTI ratios of Exempt%, with 39 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 32 $5,240,000 $163,750 $0 0.00%
    Not applicable 7 $1,345,000 $192,143 $0 0.00%

    Approval Rates

    Total approvals of all applications
    79.69%

    Jonesburg State Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    69.23%

    Jonesburg State 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
    Exempt 39 $6,585,000 $168,846

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $730,000 $365,000
    Single Family (1-4 Units):Manufactured 4 $230,000 $57,500
    Single Family (1-4 Units):Site-Built 33 $5,625,000 $170,455

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    JAMES B. NUTTER & COMPANY Conventional home mortgage Struggling to pay mortgage 1 25.0%
    JAMES B. NUTTER & COMPANY Conventional home mortgage Trouble during payment process 1 25.0%
    JAMES B. NUTTER & COMPANY FHA mortgage Incorrect information on your report 1 25.0%
    JAMES B. NUTTER & COMPANY VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%