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

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Austin Capital Bank Ssb is a smaller bank specializing in 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, Nashville, San Antonio, Phoenix, and Tampa among others. We have data for 240 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 an average 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.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.04% 12/4/22
    30 Year Conventional Refi 6.97% 12/4/22
    30 Year Cash-out Refi 7.26% 12/4/22
    30 Year FHA Purchase 8.00% 12/4/22
    30 Year FHA Refi 7.37% 12/4/22
    30 Year VA Purchase 6.70% 12/4/22
    30 Year VA Refi 6.30% 12/4/22
    30 Year USDA Purchase 7.28% 12/4/22
    30 Year USDA Refi 6.89% 12/4/22
    15 Year Conventional Purchase 6.31% 12/4/22
    15 Year Conventional Refi 6.30% 12/4/22
    15 Year Cash-out Refi 6.30% 12/4/22
    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.


    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 mortgage rate was 3.17%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.02%.

    Relative Fees (Closing Costs)

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

    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) 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.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Austin Capital Bank Ssb's most frequently originated type of loan was Conventional, with 1,242 originations. Their 2nd most popular type was FHA, with 295 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Austin Capital Bank Ssb's most frequently cited loan purpose was Home Purchase, with 1,151 originations. The 2nd most popular reason was 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 2021, Austin Capital Bank Ssb's most frequently cited loan duration was 30 Year, with 1,662 originations. The 2nd most popular length was 15 Year, with 84 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 977 $261,415,000 $267,569
    $2k-3k 269 $65,335,000 $242,881
    $<1k 182 $47,960,000 $263,516
    $3k-4k 145 $37,915,000 $261,483
    $5k+ 131 $45,915,000 $350,496
    $4k-5k 81 $23,425,000 $289,198

    Austin Capital Bank Ssb's average total fees were $6,286, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.17%, while their most frequently originated rate bucket for loans was 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 or Islander 4 $1,590,000 $397,500 $5,422 3.16%

    Approval Rates

    Total approvals of all applications
    93.56%

    Austin Capital Bank Ssb has an average approval rate.

    Pick Rate

    Approvals leading to origination
    54.26%

    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