Valuebank Texas Mortgage Rates, Fees & Info
Corpus Christi, TXLEI: 254900EY91VUW4KYE555
Tax ID: 74-1559329
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Mortgage Data
Review & Overview
Valuebank Texas is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Valuebank Texas has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Corpus Christi, and Alice among others. We have data for 4 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
26Origination Dollar Volume (All Markets)
$5,040,000Top 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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $3,070,000 | $511,667 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 17 | $1,835,000 | $107,941 | $0 | 0.00% |
| Alice, TX (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 26 | $5,040,000 | $193,846 | $0 | 0.00% |
For 2018, Valuebank Texas's most frequently originated type of loan was Conventional, with 26 originations.
Loan Reason
For 2018, Valuebank Texas's most frequently cited loan purpose was Home Purchase, with 15 originations. The 2nd most popular reason was Cash Out Refi, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 26 | $5,040,000 | $193,846 | $0 | 0.00% |
For 2018, Valuebank Texas's most frequently cited loan duration was Other, with 26 originations.
Loan Sizing
2018 saw Valuebank Texas place emphasis on $100,000 or less loans with 15 originations, totaling $945,000 in origination value.
Applicant Income
Valuebank Texas lent most frequently to those with incomes in the $150k-250k range, with 5 originations. The second most popular income band? $250k+, with 3 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 26 | $5,040,000 | $193,846 | $0 | 0.00% |
Valuebank Texas lent most frequently to those with DTI ratios of Exempt%, with 26 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.47%
Valuebank Texas has an average approval rate.
Pick Rate
Approvals leading to origination69.23%
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 | 26 | $5,040,000 | $193,846 |