Cendera Bank N.a. Mortgage Rates, Fees & Info

BELLS, TX

LEI: 549300BFTWW1HFL7JF90

Tax ID: 75-0135768

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Cendera Bank N.a. is a smaller bank specializing in Home Purchase, Other, and Refi loans. Cendera Bank N.a. has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Glenwood Springs, Sevierville, Houston, and Midland among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

Cendera Bank N.a. 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.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


Originations

14

Origination Dollar Volume (All Markets)

$10,690,000

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
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $4,770,000 $795,000 $0 0.00%
Glenwood Springs, CO (FHA|USDA|VA) 1 $2,505,000 $2,505,000 $0 0.00%
Sevierville, TN (FHA|USDA|VA) 1 $1,245,000 $1,245,000 $0 0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $0 0.00%
MIDLAND, TX (FHA|USDA|VA) 3 $485,000 $161,667 $0 0.00%
LONGVIEW, TX (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
LOUISVILLE, KY (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
Cendera Bank N.a.'s top markets include Dallas, Glenwood Springs, Sevierville, Houston, and Midland among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 14 $10,690,000 $763,571 $0 0.00%

    For 2023, Cendera Bank N.a.'s most frequently originated type of loan was Conventional, with 14 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 9 $4,475,000 $497,222 $0 0.00%
    Home Improvement 2 $280,000 $140,000 $0 0.00%
    Other 2 $2,630,000 $1,315,000 $0 0.00%
    Refi 1 $3,305,000 $3,305,000 $0 0.00%

    For 2023, Cendera Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 9 originations. The 2nd most popular reason was Home Improvement, with 2 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 14 $10,690,000 $763,571 $0 0.00%

    For 2023, Cendera Bank N.a.'s most frequently cited loan duration was Other, with 14 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 5 $795,000 $159,000 $0 0.00%
    $1MM+ 4 $8,110,000 $2,027,500 $0 0.00%
    $200k-400k 3 $975,000 $325,000 $0 0.00%
    $100,000 or less 1 $95,000 $95,000 $0 0.00%
    $600k-1MM 1 $715,000 $715,000 $0 0.00%

    2023 saw Cendera Bank N.a. place emphasis on $100k-200k loans with 5 originations, totaling $795,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 5 $7,015,000 $1,403,000 $0 0.00%
    $100k-150k 2 $450,000 $225,000 $0 0.00%
    $150k-250k 1 $95,000 $95,000 $0 0.00%

    Cendera Bank N.a. lent most frequently to those with incomes in the $250k+ range, with 5 originations. The second most popular income band? $100k-150k, with 2 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 14 $10,690,000 $763,571 $0 0.00%

    Cendera Bank N.a. lent most frequently to those with DTI ratios of Exempt%, with 14 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8 $7,560,000 $945,000 $0 0.00%
    Not applicable 6 $3,130,000 $521,667 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.47%

    Cendera Bank N.a. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.57%

    Cendera Bank N.a. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 14 $10,690,000 $763,571

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    14 $10,690,000 $763,571