Valuebank Texas Mortgage Rates, Fees & Info
Corpus Christi, TXLEI: 254900EY91VUW4KYE555
Tax ID: 74-1559329
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Valuebank Texas is a smaller bank specializing in Home Purchase loans. Valuebank Texas has a high proportion of conventional loans. Their top markets by origination volume include: Corpus Christi, Dallas, Houston, San Antonio, and San Angelo among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Valuebank Texas 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
16Origination Dollar Volume (All Markets)
$3,050,000Top 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 |
|---|---|---|---|---|---|
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 9 | $1,325,000 | $147,222 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $1,005,000 | $1,005,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 16 | $3,050,000 | $190,625 | $0 | 0.00% |
For 2024, Valuebank Texas's most frequently originated type of loan was Conventional, with 16 originations.
Loan Reason
For 2024, Valuebank Texas's most frequently cited loan purpose was Home Purchase, with 13 originations. The 2nd most popular reason was Home Improvement, with 1 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 16 | $3,050,000 | $190,625 | $0 | 0.00% |
For 2024, Valuebank Texas's most frequently cited loan duration was Other, with 16 originations.
Loan Sizing
2024 saw Valuebank Texas place emphasis on $100k-200k loans with 7 originations, totaling $855,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $150k-250k | 2 | $250,000 | $125,000 | $0 | 0.00% |
| $250k+ | 2 | $1,150,000 | $575,000 | $0 | 0.00% |
| $50k-75k | 2 | $200,000 | $100,000 | $0 | 0.00% |
Valuebank Texas lent most frequently to those with incomes in the $150k-250k range, with 2 originations. The second most popular income band? $250k+, with 2 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 16 | $3,050,000 | $190,625 | $0 | 0.00% |
Valuebank Texas lent most frequently to those with DTI ratios of Exempt%, with 16 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 6 | $1,600,000 | $266,667 | $0 | 0.00% |
| Not applicable | 10 | $1,450,000 | $145,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications88.89%
Valuebank Texas has an average approval rate.
Pick Rate
Approvals leading to origination50.00%
Valuebank Texas 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 | 16 | $3,050,000 | $190,625 |