Sage Capital Bank Mortgage Rates, Fees & Info
Shiner, TXLEI: 5493006X4VPGZ5GVIB71
Tax ID: 74-2278952
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Mortgage Data
Review & Overview
Sage Capital Bank is a smaller bank specializing in Home Purchase and Refi loans. Sage Capital Bank has a high proportion of conventional loans.Sage Capital Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
41Origination Dollar Volume (All Markets)
$10,625,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 41 | $10,625,000 | $259,146 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 41 | $10,625,000 | $259,146 | $0 | 0.00% |
For 2019, Sage Capital Bank's most frequently originated type of loan was Conventional, with 41 originations.
Loan Reason
For 2019, Sage Capital Bank's most frequently cited loan purpose was Home Purchase, with 32 originations. The 2nd most popular reason was Refi, with 5 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 41 | $10,625,000 | $259,146 | $0 | 0.00% |
For 2019, Sage Capital Bank's most frequently cited loan duration was Other, with 41 originations.
Loan Sizing
2019 saw Sage Capital Bank place emphasis on $100k-200k loans with 17 originations, totaling $2,385,000 in origination value.
Applicant Income
Sage Capital Bank lent most frequently to those with incomes in the $100k-150k range, with 6 originations. The second most popular income band? $50k-75k, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 41 | $10,625,000 | $259,146 | $0 | 0.00% |
Sage Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 41 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.73%
Sage Capital Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination95.12%
Sage Capital Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 41 | $10,625,000 | $259,146 |