Cendera Bank N.a. Mortgage Rates, Fees & Info
BELLS, TXLEI: 549300BFTWW1HFL7JF90
Tax ID: 75-0135768
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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.
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Originations
14Origination Dollar Volume (All Markets)
$10,690,000Top 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 |
|---|---|---|---|---|---|
| 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% |
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
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
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 applications89.47%
Cendera Bank N.a. has an average approval rate.
Pick Rate
Approvals leading to origination78.57%
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 |