Austin Capital Bank Ssb Mortgage Rates, Fees & Info

Austin, TX

LEI: 549300DRKDRXN7POBN12

Tax ID: 20-2602253

1.7 stars - Updated: 3/17/24 - out of 5 stars, based on 30 reviews

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

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Mortgage Data

Review & 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 by origination volume include: Austin, San Antonio, Nashville, Seattle, and Dallas among others. We have data for 150 markets. (Some data included below & more in-depth data is available with an active subscription.)

Austin Capital Bank Ssb has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Austin Capital Bank Ssb is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.99% 3/17/24
30 Year Conventional Refi 6.88% 3/17/24
30 Year Cash-out Refi 7.18% 3/17/24
30 Year FHA Purchase 7.78% 3/17/24
30 Year FHA Refi 7.40% 3/17/24
30 Year VA Purchase 6.43% 3/17/24
30 Year VA Refi 6.27% 3/17/24
30 Year USDA Purchase 7.14% 3/17/24
15 Year Conventional Purchase 6.50% 3/17/24
15 Year Conventional Refi 6.37% 3/17/24
15 Year Cash-out Refi 6.37% 3/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Austin Capital Bank Ssb Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Austin Capital Bank Ssb. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

903

Origination Dollar Volume (All Markets)

$280,485,000

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 mortgage rate was 5.03%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.27%.

Relative Fees (Closing Costs)

Austin Capital Bank Ssb's average total fees/closing costs for a 30 year fixed rate mortgage were $9,030.

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

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
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 98 $38,340,000 $391,224 $8,762 5.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 67 $22,765,000 $339,776 $10,999 4.77%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 65 $20,095,000 $309,154 $7,553 5.16%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 35 $18,195,000 $519,857 $13,383 5.05%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 45 $14,905,000 $331,222 $10,162 4.96%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 36 $12,710,000 $353,056 $10,364 4.54%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 54 $11,220,000 $207,778 $8,183 5.24%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 24 $8,910,000 $371,250 $6,956 4.94%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 25 $7,825,000 $313,000 $10,822 4.48%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 33 $7,535,000 $228,333 $7,297 5.27%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 23 $6,925,000 $301,087 $10,006 5.19%
Outside of Metro Areas 28 $6,030,000 $215,357 $7,484 4.94%
Aberdeen, WA (FHA|USDA|VA) 19 $5,185,000 $272,895 $7,963 4.90%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 11 $4,955,000 $450,455 $13,374 5.27%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 15 $4,585,000 $305,667 $6,087 4.78%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 15 $3,865,000 $257,667 $8,621 5.75%
PROVO-OREM, UT (FHA|USDA|VA) 8 $3,550,000 $443,750 $7,854 5.13%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $3,265,000 $362,778 $9,251 5.07%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 10 $3,180,000 $318,000 $10,228 5.27%
SALT LAKE CITY, UT (FHA|USDA|VA) 9 $2,885,000 $320,556 $6,916 5.13%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $2,600,000 $433,333 $13,420 4.87%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $2,125,000 $425,000 $18,530 5.50%
WACO, TX (FHA|USDA|VA) 7 $2,015,000 $287,857 $7,045 4.69%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 13 $1,985,000 $152,692 $5,842 5.98%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,965,000 $393,000 $10,148 5.95%
OKLAHOMA CITY, OK (FHA|USDA|VA) 9 $1,935,000 $215,000 $7,132 5.46%
CORPUS CHRISTI, TX (FHA|USDA|VA) 5 $1,715,000 $343,000 $10,323 5.12%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,710,000 $427,500 $14,575 5.06%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $1,690,000 $845,000 $8,692 4.69%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $1,645,000 $235,000 $8,429 4.55%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $1,495,000 $498,333 $12,702 4.46%
Bozeman, MT (FHA|USDA|VA) 1 $1,465,000 $1,465,000 $47,844 4.38%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $1,450,000 $241,667 $6,901 5.16%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $1,410,000 $352,500 $10,586 4.56%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $1,290,000 $322,500 $4,937 4.53%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,280,000 $320,000 $10,453 5.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,190,000 $297,500 $8,858 4.56%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $1,190,000 $297,500 $9,459 4.34%
OCALA, FL (FHA|USDA|VA) 4 $1,160,000 $290,000 $12,658 6.06%
Minden, LA (FHA|USDA|VA) 7 $1,105,000 $157,857 $6,252 5.41%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,095,000 $365,000 $7,414 5.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,050,000 $262,500 $9,241 4.31%
Shelton, WA (FHA|USDA|VA) 3 $1,035,000 $345,000 $12,925 3.87%
EL PASO, TX (FHA|USDA|VA) 4 $1,000,000 $250,000 $9,466 5.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $970,000 $485,000 $9,142 3.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $910,000 $227,500 $6,908 4.09%
Holland, MI (FHA|USDA|VA) 3 $905,000 $301,667 $12,804 5.96%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $800,000 $400,000 $9,047 3.19%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $795,000 $795,000 $9,613 5.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $765,000 $765,000 $32,445 6.00%
KNOXVILLE, TN (FHA|USDA|VA) 3 $755,000 $251,667 $5,934 5.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $710,000 $355,000 $8,697 6.13%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $710,000 $355,000 $7,122 5.19%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $695,000 $695,000 $19,790 5.00%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $665,000 $221,667 $9,245 5.17%
Fredericksburg, TX (FHA|USDA|VA) 2 $660,000 $330,000 $13,786 4.12%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $645,000 $645,000 $8,943 3.99%
WALLA WALLA, WA (FHA|USDA|VA) 1 $645,000 $645,000 $4,142 4.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $595,000 $595,000 $19,005 7.25%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $595,000 $198,333 $6,831 4.17%
MUSKEGON, MI (FHA|USDA|VA) 2 $590,000 $295,000 $13,003 6.13%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $575,000 $191,667 $7,456 5.04%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $565,000 $188,333 $6,195 4.63%
TEXARKANA, TX-AR (FHA|USDA|VA) 3 $555,000 $185,000 $6,367 6.66%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $515,000 $515,000 $7,423 5.13%
BATON ROUGE, LA (FHA|USDA|VA) 3 $505,000 $168,333 $6,307 4.58%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $505,000 $505,000 $13,724 5.99%
GAINESVILLE, GA (FHA|USDA|VA) 2 $500,000 $250,000 $6,968 5.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $500,000 $250,000 $11,216 4.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $500,000 $250,000 $8,063 5.63%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $485,000 $485,000 $3,989 4.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $450,000 $225,000 $4,659 4.69%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $450,000 $225,000 $6,109 5.63%
MOBILE, AL (FHA|USDA|VA) 5 $445,000 $89,000 $5,718 5.20%
Alice, TX (FHA|USDA|VA) 1 $445,000 $445,000 $11,508 3.99%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $445,000 $445,000 $12,061 3.62%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $430,000 $215,000 $7,655 4.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $425,000 $141,667 $7,128 4.08%
COLUMBIA, SC (FHA|USDA|VA) 2 $410,000 $205,000 $7,107 4.44%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $410,000 $205,000 $7,163 4.68%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $400,000 $200,000 $8,949 5.87%
Cookeville, TN (FHA|USDA|VA) 1 $365,000 $365,000 $9,237 4.75%
Glasgow, KY (FHA|USDA|VA) 2 $360,000 $180,000 $6,815 5.13%
MORRISTOWN, TN (FHA|USDA|VA) 1 $355,000 $355,000 $5,437 3.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $345,000 $345,000 $8,349 4.75%
ABILENE, TX (FHA|USDA|VA) 1 $345,000 $345,000 $16,567 6.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $340,000 $170,000 $3,587 4.94%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $335,000 $335,000 $12,263 4.13%
TULSA, OK (FHA|USDA|VA) 1 $335,000 $335,000 $6,063 3.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $330,000 $165,000 $3,867 3.88%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $325,000 $325,000 $7,055 4.88%
LOUISVILLE, KY (FHA|USDA|VA) 1 $325,000 $325,000 $13,394 5.25%
Cedartown, GA (FHA|USDA|VA) 1 $325,000 $325,000 $12,406 5.75%
Wilson, NC (FHA|USDA|VA) 3 $325,000 $108,333 $4,616 5.38%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $325,000 $325,000 $4,325 6.13%
PITTSBURGH, PA (FHA|USDA|VA) 2 $310,000 $155,000 $8,066 5.38%
Huntsville, TX (FHA|USDA|VA) 2 $310,000 $155,000 $4,897 4.75%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $305,000 $305,000 $9,046 5.88%
Georgetown, SC (FHA|USDA|VA) 1 $295,000 $295,000 $3,768 2.75%
Frankfort, KY (FHA|USDA|VA) 2 $290,000 $145,000 $6,155 5.37%
MORGANTOWN, WV (FHA|USDA|VA) 1 $285,000 $285,000 $6,065 6.13%
Thomasville, GA (FHA|USDA|VA) 1 $285,000 $285,000 $2,694 6.25%
Enterprise, AL (FHA|USDA|VA) 1 $285,000 $285,000 $12,923 3.88%
Elizabeth City, NC (FHA|USDA|VA) 1 $255,000 $255,000 $5,981 3.75%
LAFAYETTE, LA (FHA|USDA|VA) 1 $255,000 $255,000 $4,926 6.63%
MIDLAND, MI (FHA|USDA|VA) 2 $250,000 $125,000 $3,233 6.06%
ST. GEORGE, UT (FHA|USDA|VA) 1 $245,000 $245,000 $4,618 4.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $245,000 $245,000 $10,024 5.63%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $235,000 $235,000 $4,212 5.50%
Nacogdoches, TX (FHA|USDA|VA) 1 $235,000 $235,000 $8,823 7.50%
TUCSON, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $10,036 4.13%
JOPLIN, MO (FHA|USDA|VA) 1 $225,000 $225,000 $13,335 6.13%
St. Marys, GA (FHA|USDA|VA) 1 $225,000 $225,000 $9,449 5.00%
BELLINGHAM, WA (FHA|USDA|VA) 1 $215,000 $215,000 $4,165 5.50%
Norfolk, NE (FHA|USDA|VA) 1 $215,000 $215,000 $8,054 6.13%
LAWTON, OK (FHA|USDA|VA) 1 $215,000 $215,000 $9,084 6.63%
Shelby, NC (FHA|USDA|VA) 1 $215,000 $215,000 $9,258 3.88%
Clovis, NM (FHA|USDA|VA) 1 $215,000 $215,000 $10,892 3.88%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $215,000 $215,000 $11,502 5.25%
MUNCIE, IN (FHA|USDA|VA) 1 $195,000 $195,000 $6,664 6.13%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $195,000 $195,000 $6,041 4.99%
SPARTANBURG, SC (FHA|USDA|VA) 2 $190,000 $95,000 $5,719 2.88%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $185,000 $185,000 $4,349 5.99%
Palestine, TX (FHA|USDA|VA) 1 $185,000 $185,000 $11,292 6.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $7,330 4.88%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $175,000 $175,000 $5,547 4.38%
Lufkin, TX (FHA|USDA|VA) 1 $175,000 $175,000 $9,756 5.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $5,848 3.75%
Sunbury, PA (FHA|USDA|VA) 1 $165,000 $165,000 $6,421 4.13%
Oak Harbor, WA (FHA|USDA|VA) 1 $155,000 $155,000 $3,068 5.25%
ROCKFORD, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,006 3.38%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $145,000 $145,000 $3,068 3.50%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $145,000 $145,000 $6,074 5.25%
Bonham, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,848 5.62%
HATTIESBURG, MS (FHA|USDA|VA) 1 $145,000 $145,000 $5,869 3.50%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $145,000 $145,000 $3,896 5.62%
Grenada, MS (FHA|USDA|VA) 1 $135,000 $135,000 $4,124 3.75%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $135,000 $135,000 $7,445 5.13%
WICHITA, KS (FHA|USDA|VA) 1 $125,000 $125,000 $5,270 6.13%
Shawnee, OK (FHA|USDA|VA) 1 $125,000 $125,000 $6,260 5.12%
Danville, VA (FHA|USDA|VA) 1 $125,000 $125,000 $6,212 5.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $105,000 $105,000 $3,206 3.75%
Ruston, LA (FHA|USDA|VA) 1 $95,000 $95,000 $4,222 5.00%
Hope, AR (FHA|USDA|VA) 1 $95,000 $95,000 $5,714 4.25%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $95,000 $95,000 $4,277 3.88%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $95,000 $95,000 $5,789 5.50%
JACKSON, TN (FHA|USDA|VA) 1 $85,000 $85,000 $4,466 5.25%
Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $5,026 6.50%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $55,000 $55,000 $5,331 5.63%
MONTGOMERY, AL (FHA|USDA|VA) 1 $45,000 $45,000 $3,984 6.63%
Austin Capital Bank Ssb's top markets include Austin, San Antonio, Nashville, Seattle, and Dallas among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
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    We use machine learning to identify the top lenders compared against Austin Capital Bank SSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 573 $176,155,000 $307,426 $7,302 5.05%
    FHA 186 $50,800,000 $273,118 $11,995 5.11%
    VA 117 $48,775,000 $416,880 $12,630 4.77%
    USDA 27 $4,755,000 $176,111 $7,137 4.62%

    For 2022, Austin Capital Bank Ssb's most frequently originated type of loan was Conventional, with 573 originations. Their 2nd most popular type was FHA, with 186 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 761 $239,595,000 $314,842 $9,188 5.08%
    Cash Out Refi 115 $31,645,000 $275,174 $7,751 4.73%
    Refi 27 $9,245,000 $342,407 $7,475 4.43%

    For 2022, Austin Capital Bank Ssb's most frequently cited loan purpose was Home Purchase, with 761 originations. The 2nd most popular reason was Cash Out Refi, with 115 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 879 $275,505,000 $313,430 $9,030 5.03%
    15 Year 15 $4,295,000 $286,333 $8,035 4.16%
    10 Year 5 $45,000 $9,000 $128 5.90%
    20 Year 3 $485,000 $161,667 $6,930 3.96%
    Other 1 $155,000 $155,000 $6,331 4.25%

    For 2022, Austin Capital Bank Ssb's most frequently cited loan duration was 30 Year, with 879 originations. The 2nd most popular length was 15 Year, with 15 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 306 $86,290,000 $281,993
    $5k+ 239 $96,295,000 $402,908
    $2k-3k 131 $33,355,000 $254,618
    $3k-4k 109 $29,955,000 $274,817
    $4k-5k 67 $18,715,000 $279,328
    $<1k 51 $15,875,000 $311,275

    Austin Capital Bank Ssb's average total fees were $9,030, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 306 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 329 $104,345,000 $317,158
    4-5% 234 $73,740,000 $315,128
    3-4% 168 $53,430,000 $318,036
    6-7% 138 $39,490,000 $286,159
    2.5-3% 14 $5,570,000 $397,857
    7-8% 12 $3,830,000 $319,167
    <2.5% 6 $60,000 $10,000
    Over 8% 2 $20,000 $10,000

    During 2022, Austin Capital Bank Ssb's average interest rate for loans was 5.03%, while their most frequently originated rate bucket for loans was 5-6%, with 329 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 447 $130,425,000 $291,779 $8,847 5.05%
    $100k-200k 193 $30,395,000 $157,487 $6,182 5.10%
    $400k-600k 170 $80,780,000 $475,176 $11,643 4.93%
    $600k-1MM 48 $32,830,000 $683,958 $15,536 4.93%
    $100,000 or less 42 $2,480,000 $59,048 $3,421 4.71%
    $1MM+ 3 $3,575,000 $1,191,667 $22,973 4.92%

    2022 saw Austin Capital Bank Ssb place emphasis on $200k-400k loans with 447 originations, totaling $130,425,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 234 $79,710,000 $340,641 $9,731 5.14%
    $50k-75k 208 $48,440,000 $232,885 $7,492 4.98%
    $75k-100k 171 $51,225,000 $299,561 $8,769 5.00%
    $150k-250k 143 $61,155,000 $427,657 $10,642 5.06%
    $50k or less 103 $17,035,000 $165,388 $6,769 4.79%
    $250k+ 43 $22,805,000 $530,349 $12,285 5.02%

    Austin Capital Bank Ssb lent most frequently to those with incomes in the $100k-150k range, with 234 originations. The second most popular income band? $50k-75k, with 208 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 134 $38,410,000 $286,642 $7,458 4.94%
    20-30% 121 $36,475,000 $301,446 $7,325 4.96%
    50-60% 99 $34,115,000 $344,596 $12,781 5.13%
    49% 48 $14,580,000 $303,750 $8,603 5.12%
    40% 46 $13,910,000 $302,391 $9,358 4.82%
    48% 43 $12,385,000 $288,023 $8,672 5.05%
    44% 42 $15,480,000 $368,571 $9,240 5.39%
    46% 39 $13,095,000 $335,769 $9,743 5.13%
    41% 39 $11,375,000 $291,667 $9,107 5.13%
    43% 38 $12,170,000 $320,263 $9,657 5.16%
    45% 35 $11,765,000 $336,143 $9,686 4.86%
    42% 35 $11,385,000 $325,286 $8,675 5.24%
    47% 32 $10,390,000 $324,688 $10,733 5.01%
    38% 31 $7,945,000 $256,290 $6,661 4.87%
    39% 31 $9,665,000 $311,774 $8,821 5.23%
    <20% 29 $6,665,000 $229,828 $6,393 4.56%
    37% 29 $9,725,000 $335,345 $9,948 4.67%
    36% 26 $8,220,000 $316,154 $7,989 4.97%
    >60% 6 $2,730,000 $455,000 $13,352 4.73%

    Austin Capital Bank Ssb lent most frequently to those with DTI ratios of 30-36%, with 134 originations. The next most common DTI ratio? 20-30%, with 121 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 674 $209,710,000 $311,142 $8,938 5.04%
    Black 108 $31,290,000 $289,722 $9,647 5.05%
    Not provided 81 $25,075,000 $309,568 $8,420 4.93%
    Asian 29 $10,995,000 $379,138 $9,088 5.03%
    American Indian 10 $3,060,000 $306,000 $6,323 4.05%
    Native Hawaiian or Islander 1 $355,000 $355,000 $10,024 3.75%

    Approval Rates

    Total approvals of all applications
    93.42%

    Austin Capital Bank Ssb has an average approval rate.

    Pick Rate

    Approvals leading to origination
    49.06%

    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 903 $280,485,000 $310,615

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    903 $280,485,000 $310,615

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 27 $5,375,000 $199,074 $5,463 5.06%
    40-60% 63 $16,075,000 $255,159 $6,630 4.78%
    60-80% 209 $68,115,000 $325,909 $8,330 5.04%
    80-100% 550 $172,610,000 $313,836 $9,160 5.06%
    Over 100% 39 $17,895,000 $458,846 $18,646 5.12%
    Under 20% 15 $415,000 $27,667 $923 3.62%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    Academy Mortgage Corporation Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%