Austin Capital Bank Ssb Mortgage Rates, Fees & Info

Austin, TX

LEI: 549300DRKDRXN7POBN12

Tax ID: 20-2602253

3.4 stars - out of 5 stars, based on 42 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Austin Capital Bank Ssb is a smaller bank specializing in Home Purchase loans. Austin Capital Bank Ssb has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Austin, Nashville, San Antonio, Phoenix, and Tampa among others. Austin Capital Bank Ssb has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Austin Capital Bank Ssb is typically a high fee lendor.


Originations

1,786

Origination Dollar Volume (All Markets)

$481,970,000

Employee count

184

Awards

Austin Capital Bank SSB VA Loans silver Austin Capital Bank SSB FHA Loans bronze
Show all (2) awards

Relative Rate

Austin Capital Bank Ssb's average 30 year fixed rate mortgage of loans were 3.17%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.02%.

Relative Fees

Austin Capital Bank Ssb's average total fees for a 30 year fixed rate mortgage are $6,286.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 208 $70,670,000 $339,760 $6,705 3.02%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 193 $53,225,000 $275,777 $5,450 3.24%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 120 $32,750,000 $272,917 $7,652 2.99%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 97 $25,955,000 $267,577 $6,114 3.26%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 80 $25,250,000 $315,625 $6,996 2.96%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 92 $25,180,000 $273,696 $6,838 3.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 78 $23,140,000 $296,667 $5,098 3.10%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 75 $18,345,000 $244,600 $7,270 3.12%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 44 $17,260,000 $392,273 $4,944 3.18%
Outside of Metro Areas 71 $13,845,000 $195,000 $5,823 3.19%
JACKSONVILLE, FL (FHA|USDA|VA) 34 $11,510,000 $338,529 $5,428 3.06%
PROVO-OREM, UT (FHA|USDA|VA) 31 $10,105,000 $325,968 $5,581 3.44%
SALT LAKE CITY, UT (FHA|USDA|VA) 26 $8,380,000 $322,308 $5,225 3.42%
Aberdeen, WA (FHA|USDA|VA) 35 $7,925,000 $226,429 $6,619 3.08%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 25 $5,725,000 $229,000 $5,869 3.26%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 17 $4,445,000 $261,471 $4,860 2.95%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 16 $4,330,000 $270,625 $5,401 3.05%
RALEIGH-CARY, NC (FHA|USDA|VA) 18 $3,790,000 $210,556 $4,236 3.01%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 10 $3,420,000 $342,000 $7,392 2.90%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 17 $3,135,000 $184,412 $4,316 2.98%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 16 $2,950,000 $184,375 $5,490 3.20%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 9 $2,825,000 $313,889 $6,238 2.87%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 8 $2,320,000 $290,000 $6,481 3.03%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 10 $2,250,000 $225,000 $4,895 3.50%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $2,165,000 $309,286 $8,573 3.18%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 5 $2,145,000 $429,000 $8,731 3.22%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $1,985,000 $283,571 $7,462 3.22%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $1,965,000 $655,000 $8,848 3.17%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $1,960,000 $490,000 $10,160 3.19%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 13 $1,895,000 $145,769 $5,264 3.14%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 7 $1,875,000 $267,857 $7,123 3.37%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $1,855,000 $206,111 $7,039 2.97%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $1,780,000 $222,500 $5,507 3.20%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 6 $1,780,000 $296,667 $7,877 3.14%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $1,740,000 $435,000 $8,933 3.16%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,705,000 $243,571 $7,831 3.21%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,665,000 $333,000 $9,609 3.32%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $1,660,000 $276,667 $6,138 3.35%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 5 $1,465,000 $293,000 $7,108 3.07%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $1,465,000 $209,286 $6,504 3.05%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $1,375,000 $152,778 $5,523 3.01%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,365,000 $273,000 $6,474 3.40%
COLUMBUS, GA-AL (FHA|USDA|VA) 3 $1,345,000 $448,333 $2,058 3.00%
ST. GEORGE, UT (FHA|USDA|VA) 5 $1,305,000 $261,000 $4,707 2.95%
Clearlake, CA (FHA|USDA|VA) 4 $1,280,000 $320,000 $9,253 2.84%
WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,255,000 $251,000 $5,577 3.14%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,240,000 $206,667 $5,092 3.21%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,220,000 $203,333 $7,203 2.98%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,205,000 $401,667 $4,853 2.95%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,165,000 $388,333 $5,900 3.00%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $1,105,000 $368,333 $11,077 3.17%
KNOXVILLE, TN (FHA|USDA|VA) 7 $1,095,000 $156,429 $4,020 2.71%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,090,000 $272,500 $5,537 2.09%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,060,000 $176,667 $6,552 3.27%
JACKSON, MS (FHA|USDA|VA) 8 $990,000 $123,750 $5,094 3.76%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $975,000 $325,000 $11,102 2.96%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $970,000 $485,000 $4,574 3.38%
HATTIESBURG, MS (FHA|USDA|VA) 5 $865,000 $173,000 $5,233 3.10%
PANAMA CITY, FL (FHA|USDA|VA) 4 $850,000 $212,500 $7,733 3.31%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $825,000 $825,000 $14,675 3.50%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $810,000 $202,500 $5,397 3.01%
Cookeville, TN (FHA|USDA|VA) 3 $805,000 $268,333 $3,238 3.08%
PITTSBURGH, PA (FHA|USDA|VA) 6 $770,000 $128,333 $5,103 2.93%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $770,000 $192,500 $6,628 3.09%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $730,000 $182,500 $4,151 3.09%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $725,000 $241,667 $6,121 2.79%
MOBILE, AL (FHA|USDA|VA) 3 $715,000 $238,333 $5,852 3.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 5 $705,000 $141,000 $5,446 2.68%
BRUNSWICK, GA (FHA|USDA|VA) 4 $700,000 $175,000 $5,713 2.94%
Athens, TX (FHA|USDA|VA) 2 $690,000 $345,000 $7,421 3.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $685,000 $228,333 $5,119 3.37%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $665,000 $221,667 $9,677 3.13%
Kerrville, TX (FHA|USDA|VA) 2 $650,000 $325,000 $8,290 2.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $610,000 $305,000 $3,530 3.06%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $600,000 $150,000 $4,362 2.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $600,000 $150,000 $5,647 3.31%
YUMA, AZ (FHA|USDA|VA) 3 $595,000 $198,333 $5,452 3.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $555,000 $185,000 $6,664 3.21%
WILMINGTON, NC (FHA|USDA|VA) 3 $545,000 $181,667 $3,641 3.21%
RENO, NV (FHA|USDA|VA) 1 $545,000 $545,000 $5,363 2.25%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $545,000 $545,000 $4,102 3.30%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $535,000 $178,333 $4,711 3.41%
BILLINGS, MT (FHA|USDA|VA) 1 $535,000 $535,000 $4,187 2.99%
OCALA, FL (FHA|USDA|VA) 3 $505,000 $168,333 $6,876 3.33%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $495,000 $165,000 $5,739 2.71%
Moses Lake, WA (FHA|USDA|VA) 2 $480,000 $240,000 $6,294 3.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $480,000 $240,000 $7,533 3.81%
CHICO, CA (FHA|USDA|VA) 1 $475,000 $475,000 $4,728 2.88%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $465,000 $465,000 $5,106 4.13%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $460,000 $230,000 $8,310 3.25%
READING, PA (FHA|USDA|VA) 2 $460,000 $230,000 $5,282 3.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $455,000 $151,667 $4,132 2.63%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $450,000 $225,000 $3,362 3.12%
COLUMBUS, OH (FHA|USDA|VA) 2 $430,000 $215,000 $6,039 3.81%
SAVANNAH, GA (FHA|USDA|VA) 2 $430,000 $215,000 $5,652 2.87%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $420,000 $210,000 $4,800 3.06%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $420,000 $210,000 $8,383 3.56%
Coos Bay, OR (FHA|USDA|VA) 1 $405,000 $405,000 $4,355 2.88%
Sevierville, TN (FHA|USDA|VA) 2 $400,000 $200,000 $6,241 3.19%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $395,000 $395,000 $12,881 2.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $395,000 $395,000 $3,459 2.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $390,000 $195,000 $5,833 3.00%
Albemarle, NC (FHA|USDA|VA) 1 $365,000 $365,000 $3,913 2.63%
MERCED, CA (FHA|USDA|VA) 1 $365,000 $365,000 $12,470 3.75%
YUBA CITY, CA (FHA|USDA|VA) 1 $365,000 $365,000 $10,333 4.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $365,000 $365,000 $11,495 2.88%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $360,000 $180,000 $4,861 3.50%
St. Marys, GA (FHA|USDA|VA) 1 $355,000 $355,000 $9,971 3.63%
Cedar City, UT (FHA|USDA|VA) 1 $355,000 $355,000 $8,014 2.88%
LONGVIEW, TX (FHA|USDA|VA) 2 $350,000 $175,000 $4,102 3.37%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $350,000 $175,000 $7,517 2.69%
Outside of Metro Areas 1 $345,000 $345,000 $3,869 3.00%
LYNCHBURG, VA (FHA|USDA|VA) 1 $345,000 $345,000 $13,713 3.13%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $345,000 $345,000 $10,343 3.75%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $340,000 $170,000 $5,107 2.87%
WACO, TX (FHA|USDA|VA) 2 $340,000 $170,000 $3,896 3.06%
BOISE CITY, ID (FHA|USDA|VA) 1 $335,000 $335,000 $11,302 3.25%
COLUMBIA, SC (FHA|USDA|VA) 3 $335,000 $111,667 $6,420 2.50%
LOGAN, UT-ID (FHA|USDA|VA) 1 $335,000 $335,000 $4,376 3.38%
Morehead City, NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,987 2.75%
Riverton, WY (FHA|USDA|VA) 1 $315,000 $315,000 $4,668 2.99%
JACKSON, TN (FHA|USDA|VA) 1 $315,000 $315,000 $14,700 2.75%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $315,000 $315,000 $9,077 3.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $305,000 $305,000 $2,595 3.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $300,000 $150,000 $3,268 3.31%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $300,000 $150,000 $5,145 2.81%
RICHMOND, VA (FHA|USDA|VA) 1 $295,000 $295,000 $2,990 3.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $290,000 $145,000 $5,442 3.38%
ABILENE, TX (FHA|USDA|VA) 1 $285,000 $285,000 $9,211 2.88%
Centralia, WA (FHA|USDA|VA) 1 $285,000 $285,000 $10,663 4.88%
Sterling, CO (FHA|USDA|VA) 1 $275,000 $275,000 $8,371 3.88%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $275,000 $275,000 $8,183 3.25%
ANN ARBOR, MI (FHA|USDA|VA) 1 $275,000 $275,000 $3,475 2.88%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $275,000 $275,000 $7,170 2.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $270,000 $135,000 $4,716 2.81%
ROANOKE, VA (FHA|USDA|VA) 1 $265,000 $265,000 $6,206 3.50%
Durango, CO (FHA|USDA|VA) 1 $265,000 $265,000 $4,662 3.50%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $265,000 $265,000 $4,034 3.25%
GAINESVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $2,565 2.75%
Murray, KY (FHA|USDA|VA) 1 $255,000 $255,000 $4,239 3.88%
LAWRENCE, KS (FHA|USDA|VA) 1 $255,000 $255,000 $7,460 2.63%
Oxford, MS (FHA|USDA|VA) 1 $245,000 $245,000 $9,126 3.63%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $245,000 $245,000 $4,228 2.88%
Hilo, HI (FHA|USDA|VA) 1 $245,000 $245,000 $7,946 2.50%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $245,000 $245,000 $9,494 4.50%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $240,000 $120,000 $6,514 3.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $235,000 $235,000 $5,375 3.49%
Huntsville, TX (FHA|USDA|VA) 1 $235,000 $235,000 $5,507 3.38%
Pampa, TX (FHA|USDA|VA) 1 $225,000 $225,000 $8,588 2.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $225,000 $225,000 $7,776 4.25%
DECATUR, IL (FHA|USDA|VA) 1 $225,000 $225,000 $3,862 3.38%
Rockport, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,385 3.13%
DOTHAN, AL (FHA|USDA|VA) 1 $225,000 $225,000 $4,991 3.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $225,000 $225,000 $6,743 3.25%
FRESNO, CA (FHA|USDA|VA) 1 $225,000 $225,000 $5,388 4.13%
YAKIMA, WA (FHA|USDA|VA) 1 $225,000 $225,000 $2,646 3.50%
Minden, LA (FHA|USDA|VA) 2 $220,000 $110,000 $5,067 3.19%
MIDLAND, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,902 3.63%
Meridian, MS (FHA|USDA|VA) 1 $215,000 $215,000 $8,581 3.25%
VICTORIA, TX (FHA|USDA|VA) 1 $215,000 $215,000 $10,601 2.88%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $215,000 $215,000 $2,746 2.63%
Paducah, KY-IL (FHA|USDA|VA) 2 $210,000 $105,000 $4,004 3.75%
Bay City, TX (FHA|USDA|VA) 1 $205,000 $205,000 $6,853 2.75%
Defiance, OH (FHA|USDA|VA) 1 $205,000 $205,000 $7,402 3.00%
ODESSA, TX (FHA|USDA|VA) 1 $205,000 $205,000 $5,270 2.99%
Madisonville, KY (FHA|USDA|VA) 1 $205,000 $205,000 $6,167 3.25%
MONROE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $4,700 2.99%
Kirksville, MO (FHA|USDA|VA) 1 $205,000 $205,000 $8,927 2.38%
ASHEVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,481 3.38%
Shelby, NC (FHA|USDA|VA) 1 $195,000 $195,000 $8,003 3.63%
TOPEKA, KS (FHA|USDA|VA) 1 $195,000 $195,000 $6,109 3.38%
Heber, UT (FHA|USDA|VA) 1 $185,000 $185,000 $4,461 2.38%
Roseburg, OR (FHA|USDA|VA) 1 $185,000 $185,000 $5,796 2.75%
Brainerd, MN (FHA|USDA|VA) 1 $185,000 $185,000 $4,666 3.50%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $185,000 $185,000 $6,833 3.13%
Searcy, AR (FHA|USDA|VA) 1 $185,000 $185,000 $6,088 3.63%
Brownwood, TX (FHA|USDA|VA) 1 $185,000 $185,000 $7,783 3.25%
Sanford, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,097 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $180,000 $90,000 $5,201 2.56%
NEW BERN, NC (FHA|USDA|VA) 1 $175,000 $175,000 $7,709 3.25%
Jackson, OH (FHA|USDA|VA) 1 $175,000 $175,000 $6,020 3.25%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $175,000 $175,000 $5,219 2.75%
Washington Court House, OH (FHA|USDA|VA) 2 $170,000 $85,000 $4,028 2.19%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $165,000 $165,000 $9,420 2.88%
Washington, NC (FHA|USDA|VA) 1 $165,000 $165,000 $7,792 2.88%
Greenville, MS (FHA|USDA|VA) 1 $165,000 $165,000 $6,557 3.25%
Wilson, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,068 2.75%
LINCOLN, NE (FHA|USDA|VA) 1 $155,000 $155,000 $6,597 3.13%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $155,000 $155,000 $6,979 3.25%
Laurel, MS (FHA|USDA|VA) 1 $155,000 $155,000 $5,986 3.25%
Brookhaven, MS (FHA|USDA|VA) 1 $155,000 $155,000 $6,474 3.25%
Maysville, KY (FHA|USDA|VA) 1 $155,000 $155,000 $5,237 3.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $155,000 $155,000 $6,568 2.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $4,710 3.38%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $155,000 $155,000 $5,755 2.50%
Adrian, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,221 3.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,796 2.63%
Borger, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,970 2.63%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,574 2.75%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $145,000 $145,000 $8,299 3.00%
DULUTH, MN-WI (FHA|USDA|VA) 1 $145,000 $145,000 $5,727 3.38%
Crawfordsville, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,204 3.13%
TUCSON, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $4,616 2.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $145,000 $145,000 $4,120 3.00%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $135,000 $135,000 $5,531 2.75%
Tupelo, MS (FHA|USDA|VA) 1 $135,000 $135,000 $6,413 2.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $135,000 $135,000 $5,454 3.00%
Indiana, PA (FHA|USDA|VA) 1 $135,000 $135,000 $5,905 2.75%
BURLINGTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $6,046 2.88%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $135,000 $135,000 $3,564 2.99%
Lewistown, PA (FHA|USDA|VA) 1 $135,000 $135,000 $6,721 2.75%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $135,000 $135,000 $5,408 3.13%
Cullman, AL (FHA|USDA|VA) 1 $135,000 $135,000 $3,892 4.13%
Georgetown, SC (FHA|USDA|VA) 1 $125,000 $125,000 $5,896 2.88%
Elizabeth City, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,926 2.88%
Paris, TX (FHA|USDA|VA) 1 $125,000 $125,000 $7,418 3.25%
McComb, MS (FHA|USDA|VA) 1 $125,000 $125,000 $5,170 3.25%
Laurinburg, NC (FHA|USDA|VA) 1 $115,000 $115,000 $5,239 3.50%
Lawrenceburg, TN (FHA|USDA|VA) 1 $115,000 $115,000 $4,983 2.63%
Picayune, MS (FHA|USDA|VA) 1 $115,000 $115,000 $6,099 2.88%
Scottsboro, AL (FHA|USDA|VA) 1 $115,000 $115,000 $2,857 3.25%
MONTGOMERY, AL (FHA|USDA|VA) 1 $115,000 $115,000 $3,755 3.63%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $115,000 $115,000 $3,487 2.63%
Jasper, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,318 3.50%
Alma, MI (FHA|USDA|VA) 1 $105,000 $105,000 $4,608 2.75%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $105,000 $105,000 $3,210 3.25%
DOVER, DE (FHA|USDA|VA) 1 $105,000 $105,000 $4,804 2.50%
Manitowoc, WI (FHA|USDA|VA) 1 $95,000 $95,000 $4,108 2.75%
AKRON, OH (FHA|USDA|VA) 1 $95,000 $95,000 $3,732 2.99%
Corsicana, TX (FHA|USDA|VA) 1 $95,000 $95,000 $5,717 2.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $95,000 $95,000 $3,384 3.25%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,539 2.75%
Ruidoso, NM (FHA|USDA|VA) 1 $85,000 $85,000 $5,115 4.38%
GREENVILLE, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,451 3.63%
Indianola, MS (FHA|USDA|VA) 1 $75,000 $75,000 $4,284 2.75%
Greeneville, TN (FHA|USDA|VA) 1 $65,000 $65,000 $4,471 3.63%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $65,000 $65,000 $3,914 3.25%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $55,000 $55,000 $4,416 3.63%
KANKAKEE, IL (FHA|USDA|VA) 1 $55,000 $55,000 $4,634 2.88%
Bluefield, WV-VA (FHA|USDA|VA) 1 $55,000 $55,000 $4,645 3.50%

Austin Capital Bank Ssb's top markets include Austin, Nashville, San Antonio, Phoenix, and Tampa among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,242 $343,570,000 $276,626 $5,351 3.14%
FHA 295 $69,995,000 $237,271 $9,219 3.27%
VA 160 $54,070,000 $337,938 $7,086 2.86%
USDA 89 $14,335,000 $161,067 $5,953 3.00%

For the 2021 period, Austin Capital Bank Ssb's most frequently originated loan type of loans were Conventional, with 1,242 originations. Their 2nd most popular type is FHA, with 295 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,151 $315,175,000 $273,827 $6,752 3.10%
Refi 352 $90,230,000 $256,335 $4,757 2.99%
Cash Out Refi 283 $76,565,000 $270,548 $5,624 3.40%

For the 2021, Austin Capital Bank Ssb's most frequently cited loan purpose of loans were Home Purchase, with 1,151 originations. The 2nd most popular reason of loans were Refi, with 352 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,662 $455,470,000 $274,049 $6,286 3.17%
15 Year 84 $18,500,000 $220,238 $4,756 2.72%
20 Year 22 $5,240,000 $238,182 $5,133 2.95%
10 Year 11 $1,275,000 $115,909 $2,857 1.32%
Other 7 $1,485,000 $212,143 $5,065 3.07%

For the 2021, Austin Capital Bank Ssb's most frequently cited loan length of loans were 30 Year, with 1,662 originations. The 2nd most popular length of loans were 15 Year, with 84 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 977 $261,415,000 $267,569
$2k-3k 269 $65,335,000 $242,881
$3k-4k 226 $61,340,000 $271,416
$<1k 182 $47,960,000 $263,516
$5k+ 131 $45,915,000 $350,496

$6,286 of loans were Austin Capital Bank Ssb's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 977 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 875 $236,745,000 $270,566
2.5-3% 677 $188,695,000 $278,722
<2.5% 154 $38,220,000 $248,182
4-5% 78 $18,180,000 $233,077
5-6% 2 $130,000 $65,000

During 2021, Austin Capital Bank Ssb's average interest rate of loans were 3.17%, while their most frequently originated rate bucket of loans were 3-4%, with 875 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 961 $271,065,000 $282,066 $6,472 3.16%
$100k-200k 472 $74,130,000 $157,055 $5,153 3.20%
$400k-600k 241 $115,505,000 $479,274 $7,492 3.08%
$100,000 or less 91 $5,605,000 $61,593 $3,634 2.63%
$600k-1MM 20 $14,430,000 $721,500 $11,260 3.20%
$1MM+ 1 $1,235,000 $1,235,000 $4,991 2.25%

2021 saw Austin Capital Bank Ssb place emphasis on $200k-400k loans with 961 originations, totaling $271,065,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 516 $111,960,000 $216,977 $5,789 3.12%
$50k-75k 374 $84,720,000 $226,524 $6,330 3.17%
$100k-150k 328 $102,430,000 $312,287 $6,604 3.06%
$75k-100k 305 $86,015,000 $282,016 $6,263 3.17%
$150k-250k 178 $66,030,000 $370,955 $6,074 3.16%
$250k+ 65 $24,265,000 $373,308 $6,412 3.24%

Austin Capital Bank Ssb lent most frequently to those with incomes in the $50k or less range, with 516 originations. The second most popular income band? $50k-75k, with 374 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 360 $96,700,000 $268,611 $5,829 3.13%
20-30% 322 $88,300,000 $274,224 $5,483 3.12%
50-60% 115 $30,155,000 $262,217 $8,455 3.11%
<20% 89 $23,505,000 $264,101 $4,931 3.00%
39% 75 $18,975,000 $253,000 $6,893 3.07%
44% 74 $18,510,000 $250,135 $6,104 3.31%
40% 74 $18,950,000 $256,081 $6,543 3.26%
41% 70 $18,900,000 $270,000 $6,256 3.19%
37% 68 $18,680,000 $274,706 $5,694 3.16%
38% 66 $17,520,000 $265,455 $6,304 3.17%
42% 63 $18,575,000 $294,841 $6,596 3.21%
36% 62 $17,080,000 $275,484 $6,129 3.13%
49% 59 $17,895,000 $303,305 $7,821 3.15%
43% 54 $14,980,000 $277,407 $6,656 3.24%
45% 51 $14,025,000 $275,000 $6,475 3.23%
46% 49 $12,785,000 $260,918 $6,525 3.17%
47% 46 $11,350,000 $246,739 $6,223 3.11%
48% 43 $12,165,000 $282,907 $7,809 3.17%
>60% 5 $1,435,000 $287,000 $5,001 2.80%

Austin Capital Bank Ssb lent most frequently to those with DTI ratios of 30-36%, with 360 originations. The next most common DTI ratio? 20-30%, with 322 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,298 $347,730,000 $267,897 $6,086 3.13%
Not provided 236 $66,940,000 $283,644 $6,423 3.10%
Black 152 $35,620,000 $234,342 $6,766 3.17%
Asian 82 $26,940,000 $328,537 $5,846 3.09%
American Indian 14 $3,150,000 $225,000 $6,321 2.95%
Native Hawaiian 4 $1,590,000 $397,500 $5,422 3.16%

Approval Rates

Total approvals of all applications
92.67%

Austin Capital Bank Ssb has an average approval rate.

Pick Rate

Approvals leading to origination
52.80%

Austin Capital Bank Ssb 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
NA 1,786 $481,970,000 $269,860

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,786 $481,970,000 $269,860

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 51 $9,505,000 $186,373 $4,342 3.03%
40-60% 184 $45,670,000 $248,207 $4,531 3.05%
60-80% 542 $150,130,000 $276,993 $5,480 3.25%
80-100% 948 $264,250,000 $278,745 $6,863 3.15%
Over 100% 35 $11,755,000 $335,857 $12,872 3.02%
Under 20% 26 $660,000 $25,385 $770 0.97%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Austin Capital Bank SSB 8100 Shoal Creek Blvd. Austin, TX 78757 Full Service B&M $350,387

For 2021, Austin Capital Bank Ssb had 1 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $24,314
Net interest income $24,023
Total noninterest income $24,943
Gross Fiduciary activities income $0
Service charges on deposit accounts $1,053
Trading account gains and fees $0
Additional Noninterest Income $23,890
Pre-tax net operating income $5,180
Securities gains (or losses, -) $18
Income before extraordinary items $4,125
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $4,125
Minority interest net income $0
Net income $4,125
Sale, conversion, retirement of capital stock, net $0
Net operating income $4,110

Austin Capital Bank Ssb's gross interest income from loans was $24,314,000.
Austin Capital Bank Ssb's net interest income from loans was $24,023,000.
Austin Capital Bank Ssb's fee based income from loans was $1,053,000.
Austin Capital Bank Ssb's net income from loans was $4,125,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $291
Provision for credit losses $206
Total noninterest expense $43,580
Salaries and employee benefits $25,037
Premises and equipment expense $1,764
Additional noninterest expense $16,779
Applicable income taxes $1,073
Net charge-offs $117
Cash dividends $420

Austin Capital Bank Ssb's interest expense for loans was $291,000.
Austin Capital Bank Ssb's payroll and benefits expense were $25,037,000.
Austin Capital Bank Ssb's property, plant and equipment expenses $1,764,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $381,232
Deposits held in domestic offices $381,232
Deposits by Individuals, partnerships, and corporations $375,914
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $3,331
Deposits by Commercial banks and other depository institutions in U.S. $1,987
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $13,572
Demand deposits $11,731
Nontransaction accounts $367,660
Money market deposit accounts (MMDAs) $17,932
Other savings deposits (excluding MMDAs) $343,803
Total time deposits $5,925
Total time and savings deposits $369,501
Noninterest-bearing deposits $11,731
Interest-bearing deposits $369,501
Retail deposits $380,725
IRAs and Keogh plan accounts $0
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $414,678
Cash & Balances due from depository institutions $62,042
Interest-bearing balances $60,748
Total securities $0
Federal funds sold & reverse repurchase $0
Net loans and leases $339,949
Loan and leases loss allowance $947
Trading account assets $0
Bank premises and fixed assets $7,576
Other real estate owned $0
Goodwill and other intangibles $0
All other assets $5,111

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $414,678
Total Liabilities $386,543
Total deposits $381,232
Interest-bearing deposits $369,501
Deposits held in domestic offices $381,232
% insured (estimated) $97
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $2,831
Subordinated debt $0
All other liabilities $2,480

Issued Loan Types

Type Value (in 000's)
Net loans and leases $339,949
Loan and leases loss allowance $947
Total loans and leases (domestic) $340,896
All real estate loans $29,523
Real estate loans in domestic offices $29,523
Construction and development loans $0
Residential 1-4 family construction $0
Other construction, all land development and other land $0
Loans secured by nonfarm nonresidential properties $5,361
Nonfarm nonresidential secured by owner-occupied properties $2,008
Commercial real estate & other non-farm, non-residential $3,353
Multifamily residential real estate $139
1-4 family residential loans $24,023
Farmland loans $0
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $25,886
To non-U.S. addressees $0
Loans to individuals $285,500
Credit card loans $0
Related Plans $0
Consumer Auto Loans $0
Other loans to individuals $285,500
All other loans & leases $0
Loans to foreign governments and official institutions $0
Other loans $0
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $0
Non 1-4 family restructured loans & leases $0
Total loans and leases (foreign) $0

Austin Capital Bank SSB had $339,949,000 of loans outstanding in 2021. $29,523,000 of loans were in real estate loans. $0 of loans were in development loans. $139,000 of loans were in multifamily mortgage loans. $24,023,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 8 $1,878 $234,750
Nonfarm, nonresidential loans - $250k-1MM 8 $1,878 $234,750
Commercial & Industrial, US addressed loans - <$1MM 2,376 $23,486 $9,885
Commercial & Industrial, US addressed loans - <$100k 2,375 $23,394 $9,850
Commercial & Industrial, US addressed loans - $250k-1MM 1 $92 $92,000