Kleberg Bank N.a Mortgage Rates, Fees & Info
Kingsville, TXLEI: 549300C690YBM0ROXL93
Tax ID: 74-0726853
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Mortgage Data
Review & Overview
Kleberg Bank N.a is a smaller bank specializing in Home Purchase loans. Kleberg Bank N.a has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Corpus Christi, Austin, Fort Collins, Hilton Head Island, and Houston among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)Kleberg 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
76Origination Dollar Volume (All Markets)
$37,480,000Top 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 |
|---|---|---|---|---|---|
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 46 | $19,490,000 | $423,696 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $3,320,000 | $1,660,000 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $3,090,000 | $772,500 | $0 | 0.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $1,845,000 | $1,845,000 | $0 | 0.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $1,745,000 | $1,745,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $1,585,000 | $1,585,000 | $0 | 0.00% |
| Kingsville, TX (FHA|USDA|VA) | 8 | $1,510,000 | $188,750 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $0 | 0.00% |
| Brenham, TX (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 0.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 0.00% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| Alice, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Rutland, VT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 71 | $35,855,000 | $505,000 | $0 | 0.00% |
| FHA | 5 | $1,625,000 | $325,000 | $0 | 0.00% |
For 2022, Kleberg Bank N.a's most frequently originated type of loan was Conventional, with 71 originations. Their 2nd most popular type was FHA, with 5 originations.
Loan Reason
For 2022, Kleberg Bank N.a's most frequently cited loan purpose was Home Purchase, with 41 originations. The 2nd most popular reason was Other, with 17 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 76 | $37,480,000 | $493,158 | $0 | 0.00% |
For 2022, Kleberg Bank N.a's most frequently cited loan duration was Other, with 76 originations.
Loan Sizing
2022 saw Kleberg Bank N.a place emphasis on $100k-200k loans with 23 originations, totaling $3,435,000 in origination value.
Applicant Income
Kleberg Bank N.a lent most frequently to those with incomes in the $250k+ range, with 22 originations. The second most popular income band? $100k-150k, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 76 | $37,480,000 | $493,158 | $0 | 0.00% |
Kleberg Bank N.a lent most frequently to those with DTI ratios of Exempt%, with 76 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.64%
Kleberg Bank N.a has an average approval rate.
Pick Rate
Approvals leading to origination46.05%
Kleberg Bank N.a 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 | 76 | $37,480,000 | $493,158 |