Alliance Bank Central Texas Mortgage Rates, Fees & Info

Waco, TX

LEI: 5493006XPYTPLP6BLN10

Tax ID: 74-0920969

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Mortgage Data

Review & Overview

Alliance Bank Central Texas is a smaller bank specializing in Home Purchase loans. Alliance Bank Central Texas has a high proportion of conventional loans. Their top markets by origination volume include: Waco, Killeen, Austin, Dallas, and Kansas City among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

Alliance Bank Central 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

175

Origination Dollar Volume (All Markets)

$66,305,000

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
WACO, TX (FHA|USDA|VA) 137 $34,185,000 $249,526 $0 0.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 14 $21,070,000 $1,505,000 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $4,030,000 $1,007,500 $0 0.00%
Outside of Metro Areas 6 $2,140,000 $356,667 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $2,025,000 $675,000 $0 0.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $915,000 $183,000 $0 0.00%
Granbury, TX (FHA|USDA|VA) 2 $840,000 $420,000 $0 0.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $375,000 $375,000 $0 0.00%
MANHATTAN, KS (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
Palestine, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
Alliance Bank Central Texas's top markets include Waco, Killeen, Austin, Dallas, and Kansas City among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 175 $66,305,000 $378,886 $0 0.00%

    For 2023, Alliance Bank Central Texas's most frequently originated type of loan was Conventional, with 175 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 131 $55,175,000 $421,183 $0 0.00%
    Refi 19 $4,205,000 $221,316 $0 0.00%
    Home Improvement 11 $4,105,000 $373,182 $0 0.00%
    Cash Out Refi 10 $1,230,000 $123,000 $0 0.00%
    Other 4 $1,590,000 $397,500 $0 0.00%

    For 2023, Alliance Bank Central Texas's most frequently cited loan purpose was Home Purchase, with 131 originations. The 2nd most popular reason was Refi, with 19 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 175 $66,305,000 $378,886 $0 0.00%

    For 2023, Alliance Bank Central Texas's most frequently cited loan duration was Other, with 175 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 52 $8,130,000 $156,346 $0 0.00%
    $200k-400k 43 $11,165,000 $259,651 $0 0.00%
    $100,000 or less 42 $2,860,000 $68,095 $0 0.00%
    $400k-600k 17 $7,945,000 $467,353 $0 0.00%
    $600k-1MM 13 $10,515,000 $808,846 $0 0.00%
    $1MM+ 8 $25,690,000 $3,211,250 $0 0.00%

    2023 saw Alliance Bank Central Texas place emphasis on $100k-200k loans with 52 originations, totaling $8,130,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 27 $17,445,000 $646,111 $0 0.00%
    $100k-150k 23 $3,985,000 $173,261 $0 0.00%
    $50k-75k 23 $2,755,000 $119,783 $0 0.00%
    $150k-250k 20 $9,710,000 $485,500 $0 0.00%
    $50k or less 16 $1,720,000 $107,500 $0 0.00%
    $75k-100k 13 $2,115,000 $162,692 $0 0.00%

    Alliance Bank Central Texas lent most frequently to those with incomes in the $250k+ range, with 27 originations. The second most popular income band? $100k-150k, with 23 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 175 $66,305,000 $378,886 $0 0.00%

    Alliance Bank Central Texas lent most frequently to those with DTI ratios of Exempt%, with 175 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 118 $36,570,000 $309,915 $0 0.00%
    Not applicable 52 $28,500,000 $548,077 $0 0.00%
    Black 3 $595,000 $198,333 $0 0.00%
    Chinese 1 $475,000 $475,000 $0 0.00%
    Other Asian 1 $165,000 $165,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.33%

    Alliance Bank Central Texas has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.14%

    Alliance Bank Central Texas has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 175 $66,305,000 $378,886

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    175 $66,305,000 $378,886