Austin Capital Bank Ssb Mortgage Rates, Fees & Info

Austin, TX

LEI: 549300DRKDRXN7POBN12

Tax ID: 20-2602253

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Bank 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 a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Austin, Memphis, San Antonio, Seattle, and Houston among others. We have data for 169 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.

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% 3/28/24
30 Year Conventional Refi 6.88% 3/28/24
30 Year Cash-out Refi 7.18% 3/28/24
30 Year FHA Purchase 7.78% 3/28/24
30 Year FHA Refi 7.40% 3/28/24
30 Year VA Purchase 6.43% 3/28/24
30 Year VA Refi 6.27% 3/28/24
30 Year USDA Purchase 7.14% 3/28/24
15 Year Conventional Purchase 6.50% 3/28/24
15 Year Conventional Refi 6.37% 3/28/24
15 Year Cash-out Refi 6.37% 3/28/24
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

1,379

Origination Dollar Volume (All Markets)

$325,835,000

Employee count

174

Awards

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

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) 169 $43,755,000 $258,905 $6,329 4.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 199 $41,495,000 $208,518 $5,911 4.68%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 141 $30,975,000 $219,681 $7,427 4.22%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 51 $21,125,000 $414,216 $6,781 4.26%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 89 $18,345,000 $206,124 $7,516 4.49%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 64 $16,570,000 $258,906 $7,781 4.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 56 $15,290,000 $273,036 $6,280 4.09%
COLORADO SPRINGS, CO (FHA|USDA|VA) 43 $13,835,000 $321,744 $5,374 4.04%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 65 $12,045,000 $185,308 $5,233 4.28%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 38 $6,900,000 $181,579 $4,844 4.21%
Outside of Metro Areas 40 $6,670,000 $166,750 $5,847 4.51%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 20 $4,940,000 $247,000 $8,107 4.16%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 21 $4,535,000 $215,952 $6,316 4.27%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 27 $4,475,000 $165,741 $7,312 4.58%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 11 $4,265,000 $387,727 $6,198 4.26%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 13 $3,675,000 $282,692 $7,823 4.68%
JACKSONVILLE, FL (FHA|USDA|VA) 12 $3,350,000 $279,167 $4,619 4.20%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 8 $2,630,000 $328,750 $4,234 3.97%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $2,580,000 $215,000 $4,676 4.37%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $2,335,000 $333,571 $8,366 3.96%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 10 $2,200,000 $220,000 $5,340 3.99%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $2,155,000 $307,857 $8,041 4.28%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 7 $1,795,000 $256,429 $5,466 3.93%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,610,000 $402,500 $13,050 3.84%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 6 $1,520,000 $253,333 $9,608 3.85%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $1,520,000 $253,333 $8,753 3.96%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $1,470,000 $183,750 $4,060 4.11%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,385,000 $461,667 $7,997 4.87%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $1,360,000 $170,000 $6,033 4.48%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,215,000 $405,000 $17,477 4.33%
MIDLAND, TX (FHA|USDA|VA) 5 $1,205,000 $241,000 $9,685 4.43%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,090,000 $545,000 $6,088 4.94%
VALLEJO, CA (FHA|USDA|VA) 3 $1,035,000 $345,000 $6,376 4.25%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $950,000 $237,500 $10,122 4.19%
WACO, TX (FHA|USDA|VA) 5 $935,000 $187,000 $6,247 4.73%
CaƱon City, CO (FHA|USDA|VA) 3 $905,000 $301,667 $4,910 3.67%
BOISE CITY, ID (FHA|USDA|VA) 2 $850,000 $425,000 $7,742 4.44%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $830,000 $415,000 $15,145 4.19%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $820,000 $205,000 $6,042 4.22%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $805,000 $268,333 $10,540 5.00%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $790,000 $395,000 $6,919 3.94%
Hailey, ID (FHA|USDA|VA) 2 $790,000 $395,000 $7,971 3.93%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $775,000 $258,333 $6,769 3.79%
READING, PA (FHA|USDA|VA) 3 $765,000 $255,000 $12,238 4.88%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $755,000 $251,667 $2,478 3.88%
Concord, NH (FHA|USDA|VA) 3 $735,000 $245,000 $5,958 4.42%
FORT WAYNE, IN (FHA|USDA|VA) 3 $725,000 $241,667 $5,835 4.42%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $705,000 $235,000 $6,481 4.79%
Aberdeen, WA (FHA|USDA|VA) 2 $690,000 $345,000 $1,766 4.81%
Holland, MI (FHA|USDA|VA) 4 $680,000 $170,000 $5,246 4.50%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $670,000 $335,000 $12,197 4.63%
PITTSBURGH, PA (FHA|USDA|VA) 3 $665,000 $221,667 $10,501 4.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $615,000 $205,000 $9,181 4.83%
EL PASO, TX (FHA|USDA|VA) 4 $610,000 $152,500 $7,374 5.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $600,000 $300,000 $772 4.31%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $600,000 $300,000 $4,873 3.75%
PROVO-OREM, UT (FHA|USDA|VA) 2 $590,000 $295,000 $3,174 3.81%
MUSKEGON, MI (FHA|USDA|VA) 3 $585,000 $195,000 $4,784 3.79%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $580,000 $145,000 $5,252 4.69%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $575,000 $575,000 $8,105 4.25%
JACKSON, TN (FHA|USDA|VA) 4 $570,000 $142,500 $6,082 4.94%
PANAMA CITY, FL (FHA|USDA|VA) 3 $565,000 $188,333 $6,116 3.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 4 $560,000 $140,000 $5,418 4.00%
PUEBLO, CO (FHA|USDA|VA) 3 $545,000 $181,667 $6,697 4.58%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $525,000 $175,000 $7,418 4.21%
Big Rapids, MI (FHA|USDA|VA) 4 $520,000 $130,000 $4,499 4.40%
Shelton, WA (FHA|USDA|VA) 2 $510,000 $255,000 $2,524 4.38%
SAN ANGELO, TX (FHA|USDA|VA) 2 $510,000 $255,000 $4,064 4.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $500,000 $250,000 $5,963 4.18%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $490,000 $245,000 $3,596 4.06%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $485,000 $161,667 $5,672 4.25%
Kerrville, TX (FHA|USDA|VA) 2 $450,000 $225,000 $6,035 4.44%
Grenada, MS (FHA|USDA|VA) 1 $435,000 $435,000 $5,505 4.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $420,000 $210,000 $10,234 4.81%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $415,000 $415,000 $12,886 3.75%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $400,000 $200,000 $5,907 4.25%
Heber, UT (FHA|USDA|VA) 1 $395,000 $395,000 $3,755 4.38%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $380,000 $190,000 $8,197 3.94%
Bucyrus-Galion, OH (FHA|USDA|VA) 2 $360,000 $180,000 $8,328 5.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $340,000 $170,000 $6,599 4.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $340,000 $170,000 $8,329 4.94%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $335,000 $335,000 $5,267 3.99%
Astoria, OR (FHA|USDA|VA) 1 $335,000 $335,000 $5,452 4.00%
STOCKTON, CA (FHA|USDA|VA) 1 $335,000 $335,000 $4,644 4.12%
SALEM, OR (FHA|USDA|VA) 1 $325,000 $325,000 $1,808 3.63%
YUBA CITY, CA (FHA|USDA|VA) 1 $325,000 $325,000 $4,048 4.12%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $320,000 $160,000 $6,682 3.88%
Sevierville, TN (FHA|USDA|VA) 1 $315,000 $315,000 $3,358 3.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $305,000 $305,000 $8,413 3.00%
Beeville, TX (FHA|USDA|VA) 1 $305,000 $305,000 $10,865 4.00%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $305,000 $305,000 $3,141 3.88%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $295,000 $295,000 $11,216 4.63%
Huntsville, TX (FHA|USDA|VA) 1 $295,000 $295,000 $5,382 3.38%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $295,000 $295,000 $11,706 5.13%
Lufkin, TX (FHA|USDA|VA) 3 $275,000 $91,667 $4,896 4.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $10,207 4.25%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $275,000 $275,000 $12,429 4.13%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $270,000 $135,000 $7,611 5.13%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $265,000 $265,000 $4,139 4.00%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $265,000 $265,000 $4,283 4.63%
Outside of Metro Areas 1 $255,000 $255,000 $11,697 5.13%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $9,849 4.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $250,000 $125,000 $4,858 4.68%
Albertville, AL (FHA|USDA|VA) 1 $245,000 $245,000 $6,764 4.13%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $230,000 $115,000 $4,973 5.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $225,000 $225,000 $7,947 5.13%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $8,586 4.63%
RICHMOND, VA (FHA|USDA|VA) 1 $225,000 $225,000 $9,317 5.13%
Americus, GA (FHA|USDA|VA) 1 $225,000 $225,000 $6,639 4.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $225,000 $225,000 $8,102 5.13%
KNOXVILLE, TN (FHA|USDA|VA) 2 $220,000 $110,000 $4,899 4.56%
Meridian, MS (FHA|USDA|VA) 1 $215,000 $215,000 $9,966 4.75%
COLUMBIA, SC (FHA|USDA|VA) 1 $215,000 $215,000 $9,603 4.50%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $215,000 $215,000 $7,857 4.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $215,000 $215,000 $3,756 4.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $205,000 $205,000 $9,117 4.63%
Washington, NC (FHA|USDA|VA) 1 $205,000 $205,000 $6,924 4.75%
Orangeburg, SC (FHA|USDA|VA) 1 $205,000 $205,000 $9,325 4.63%
Okeechobee, FL (FHA|USDA|VA) 1 $195,000 $195,000 $7,433 4.13%
ROANOKE, VA (FHA|USDA|VA) 1 $195,000 $195,000 $4,225 4.75%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $195,000 $195,000 $7,573 3.75%
LUBBOCK, TX (FHA|USDA|VA) 1 $195,000 $195,000 $8,191 4.25%
Eufaula, AL-GA (FHA|USDA|VA) 1 $185,000 $185,000 $8,383 5.13%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $185,000 $185,000 $9,776 5.13%
COLUMBUS, OH (FHA|USDA|VA) 1 $185,000 $185,000 $10,283 4.63%
MONTGOMERY, AL (FHA|USDA|VA) 1 $185,000 $185,000 $7,872 4.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $185,000 $185,000 $6,942 4.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $8,903 4.63%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $185,000 $185,000 $4,354 3.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $185,000 $185,000 $1,234 4.63%
Paris, TX (FHA|USDA|VA) 1 $175,000 $175,000 $6,855 4.25%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,666 3.99%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $7,235 4.75%
Tupelo, MS (FHA|USDA|VA) 1 $175,000 $175,000 $6,436 4.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $175,000 $175,000 $8,971 4.38%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,663 5.13%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $165,000 $165,000 $8,441 5.63%
FRESNO, CA (FHA|USDA|VA) 1 $165,000 $165,000 $4,448 6.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $9,239 4.63%
Fitzgerald, GA (FHA|USDA|VA) 1 $165,000 $165,000 $6,962 4.63%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,004 5.25%
Big Spring, TX (FHA|USDA|VA) 1 $145,000 $145,000 $8,780 5.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $145,000 $145,000 $8,097 5.13%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $145,000 $145,000 $3,766 4.88%
Bay City, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.50%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $145,000 $145,000 $6,926 4.63%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,787 3.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $135,000 $135,000 $6,866 4.75%
CHICO, CA (FHA|USDA|VA) 1 $135,000 $135,000 $3,602 4.00%
Newport, OR (FHA|USDA|VA) 1 $135,000 $135,000 $4,704 4.00%
Paragould, AR (FHA|USDA|VA) 1 $135,000 $135,000 $7,894 4.88%
Ludington, MI (FHA|USDA|VA) 1 $135,000 $135,000 $3,375 3.99%
SPARTANBURG, SC (FHA|USDA|VA) 1 $135,000 $135,000 $5,972 4.00%
McAlester, OK (FHA|USDA|VA) 1 $135,000 $135,000 $6,244 4.63%
SAVANNAH, GA (FHA|USDA|VA) 1 $135,000 $135,000 $5,725 3.75%
Granbury, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,613 3.99%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,563 4.63%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,771 4.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $115,000 $115,000 $5,800 3.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $5,641 3.75%
NILES, MI (FHA|USDA|VA) 1 $115,000 $115,000 $3,918 5.50%
Pittsburg, KS (FHA|USDA|VA) 1 $105,000 $105,000 $3,416 4.13%
Dayton, TN (FHA|USDA|VA) 1 $95,000 $95,000 $4,831 5.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $95,000 $95,000 $6,044 4.75%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $85,000 $85,000 $5,288 5.13%
Georgetown, SC (FHA|USDA|VA) 1 $75,000 $75,000 $3,792 5.25%
AKRON, OH (FHA|USDA|VA) 1 $65,000 $65,000 $3,675 4.88%
TYLER, TX (FHA|USDA|VA) 1 $55,000 $55,000 $5,040 5.25%
Alpena, MI (FHA|USDA|VA) 1 $35,000 $35,000 $2,955 4.75%
Austin Capital Bank Ssb's top markets include Austin, Memphis, San Antonio, Seattle, and Houston among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 630 $156,040,000 $247,683 $5,184 4.34%
    FHA 502 $101,790,000 $202,769 $8,554 4.52%
    VA 242 $67,190,000 $277,645 $5,754 4.07%
    USDA 5 $815,000 $163,000 $5,844 4.00%

    For 2019, Austin Capital Bank Ssb's most frequently originated type of loan was Conventional, with 630 originations. Their 2nd most popular type was FHA, with 502 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,145 $260,385,000 $227,410 $6,856 4.39%
    Refi 139 $41,315,000 $297,230 $4,031 4.03%
    Cash Out Refi 95 $24,135,000 $254,053 $5,883 4.42%

    For 2019, Austin Capital Bank Ssb's most frequently cited loan purpose was Home Purchase, with 1,145 originations. The 2nd most popular reason was Refi, with 139 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,329 $315,485,000 $237,385 $6,569 4.36%
    15 Year 31 $6,215,000 $200,484 $5,154 4.29%
    Other 10 $2,630,000 $263,000 $4,029 4.99%
    20 Year 9 $1,505,000 $167,222 $5,065 4.19%

    For 2019, Austin Capital Bank Ssb's most frequently cited loan duration was 30 Year, with 1,329 originations. The 2nd most popular length was 15 Year, with 31 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 514 $117,340,000 $228,288
    $2k-3k 310 $65,120,000 $210,065
    $<1k 232 $61,590,000 $265,474
    $3k-4k 144 $30,380,000 $210,972
    $4k-5k 93 $23,685,000 $254,677
    $5k+ 73 $25,175,000 $344,863

    Austin Capital Bank Ssb's average total fees were $6,569, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 514 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 681 $155,485,000 $228,319
    3-4% 492 $127,230,000 $258,598
    5-6% 187 $37,945,000 $202,914
    2.5-3% 10 $3,470,000 $347,000
    6-7% 9 $1,705,000 $189,444

    During 2019, Austin Capital Bank Ssb's average interest rate for loans was 4.36%, while their most frequently originated rate bucket for loans was 4-5%, with 681 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 680 $185,600,000 $272,941 $7,080 4.26%
    $100k-200k 527 $82,695,000 $156,917 $5,764 4.49%
    $400k-600k 94 $43,350,000 $461,170 $7,884 4.09%
    $100,000 or less 64 $4,810,000 $75,156 $4,388 4.70%
    $600k-1MM 14 $9,380,000 $670,000 $8,433 4.46%

    2019 saw Austin Capital Bank Ssb place emphasis on $200k-400k loans with 680 originations, totaling $185,600,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 423 $84,945,000 $200,816 $6,542 4.43%
    $100k-150k 273 $79,805,000 $292,326 $7,003 4.31%
    $75k-100k 266 $63,280,000 $237,895 $7,041 4.32%
    $50k or less 206 $29,830,000 $144,806 $5,463 4.42%
    $150k-250k 134 $44,910,000 $335,149 $7,080 4.35%
    $250k+ 30 $9,140,000 $304,667 $6,514 4.68%

    Austin Capital Bank Ssb lent most frequently to those with incomes in the $50k-75k range, with 423 originations. The second most popular income band? $100k-150k, with 273 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 211 $53,085,000 $251,588 $6,140 4.29%
    50-60% 187 $40,785,000 $218,102 $7,962 4.37%
    20-30% 186 $42,450,000 $228,226 $5,728 4.32%
    42% 78 $19,350,000 $248,077 $7,174 4.43%
    44% 67 $16,645,000 $248,433 $6,721 4.40%
    49% 60 $13,730,000 $228,833 $6,163 4.39%
    43% 58 $14,170,000 $244,310 $7,406 4.48%
    41% 55 $12,765,000 $232,091 $6,912 4.40%
    45% 52 $12,830,000 $246,731 $6,348 4.37%
    39% 45 $9,995,000 $222,111 $6,109 4.35%
    37% 45 $11,155,000 $247,889 $7,219 4.44%
    40% 44 $9,730,000 $221,136 $6,453 4.49%
    46% 44 $8,800,000 $200,000 $6,778 4.41%
    48% 42 $10,030,000 $238,810 $6,827 4.34%
    47% 41 $10,365,000 $252,805 $6,112 4.36%
    36% 37 $8,775,000 $237,162 $6,325 4.48%
    <20% 36 $7,480,000 $207,778 $5,487 4.25%
    38% 33 $7,355,000 $222,879 $5,674 4.53%
    >60% 7 $2,025,000 $289,286 $12,073 4.30%

    Austin Capital Bank Ssb lent most frequently to those with DTI ratios of 30-36%, with 211 originations. The next most common DTI ratio? 50-60%, with 187 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 955 $226,465,000 $237,136 $6,438 4.36%
    Not provided 189 $43,955,000 $232,566 $6,511 4.19%
    Black 158 $34,610,000 $219,051 $7,355 4.47%
    Asian 65 $17,855,000 $274,692 $5,690 4.49%
    Not applicable 5 $1,335,000 $267,000 $0 6.15%
    American Indian 5 $1,085,000 $217,000 $6,247 4.48%
    Native Hawaiian or Islander 2 $530,000 $265,000 $8,496 4.50%

    Approval Rates

    Total approvals of all applications
    92.62%

    Austin Capital Bank Ssb has an average approval rate.

    Pick Rate

    Approvals leading to origination
    55.47%

    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 1,379 $325,835,000 $236,284

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 1,379 $325,835,000 $236,284

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 18 $2,900,000 $161,111 $4,446 4.29%
    40-60% 46 $10,100,000 $219,565 $4,371 4.30%
    60-80% 234 $58,030,000 $247,991 $5,286 4.39%
    80-100% 1,024 $239,240,000 $233,633 $6,725 4.37%
    Over 100% 56 $15,490,000 $276,607 $10,212 4.08%
    Under 20% 1 $75,000 $75,000 $6,259 5.13%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Academy Mortgage Corporation Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 33.3%
    Academy Mortgage Corporation Conventional home mortgage Trouble during payment process 3 25.0%
    Academy Mortgage Corporation FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 25.0%
    Academy Mortgage Corporation FHA mortgage Closing on a mortgage 1 8.3%
    Academy Mortgage Corporation FHA mortgage Trouble during payment process 1 8.3%

    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 $85,963

    For 2019, Austin Capital Bank Ssb had 1 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $6,021
    Net interest income $3,986
    Total noninterest income $17,392
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $62
    Trading account gains and fees $0
    Additional Noninterest Income $17,330
    Pre-tax net operating income $1,294
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,006
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,006
    Minority interest net income $0
    Net income $1,006
    Sale, conversion, retirement of capital stock, net $142
    Net operating income $1,006

    Austin Capital Bank Ssb's gross interest income from loans was $6,021,000.
    Austin Capital Bank Ssb's net interest income from loans was $3,986,000.
    Austin Capital Bank Ssb's fee based income from loans was $62,000.
    Austin Capital Bank Ssb's net income from loans was $1,006,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,035
    Provision for credit losses $25
    Total noninterest expense $20,059
    Salaries and employee benefits $13,408
    Premises and equipment expense $1,030
    Additional noninterest expense $5,621
    Applicable income taxes $288
    Net charge-offs $0
    Cash dividends $0

    Austin Capital Bank Ssb's interest expense for loans was $2,035,000.
    Austin Capital Bank Ssb's payroll and benefits expense were $13,408,000.
    Austin Capital Bank Ssb's property, plant and equipment expenses $1,030,000.

    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 $105,557
    Deposits held in domestic offices $105,557
    Deposits by Individuals, partnerships, and corporations $76,154
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $11,506
    Deposits by Commercial banks and other depository institutions in U.S. $17,897
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $18,312
    Demand deposits $16,985
    Nontransaction accounts $87,245
    Money market deposit accounts (MMDAs) $27,063
    Other savings deposits (excluding MMDAs) $18,444
    Total time deposits $41,738
    Total time and savings deposits $88,572
    Noninterest-bearing deposits $19,035
    Interest-bearing deposits $86,522
    Retail deposits $101,248
    IRAs and Keogh plan accounts $0
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $139,109
    Cash & Balances due from depository institutions $34,911
    Interest-bearing balances $34,006
    Total securities $1,967
    Federal funds sold & reverse repurchase $0
    Net loans and leases $93,894
    Loan and leases loss allowance $862
    Trading account assets $0
    Bank premises and fixed assets $4,598
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $3,739

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $139,109
    Total Liabilities $125,043
    Total deposits $105,557
    Interest-bearing deposits $86,522
    Deposits held in domestic offices $105,557
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $18,737
    Subordinated debt $0
    All other liabilities $749

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $93,894
    Loan and leases loss allowance $862
    Total loans and leases (domestic) $94,756
    All real estate loans $72,932
    Real estate loans in domestic offices $72,932
    Construction and development loans $2,044
    Residential 1-4 family construction $1,379
    Other construction, all land development and other land $665
    Loans secured by nonfarm nonresidential properties $15,490
    Nonfarm nonresidential secured by owner-occupied properties $2,578
    Commercial real estate & other non-farm, non-residential $12,912
    Multifamily residential real estate $777
    1-4 family residential loans $54,255
    Farmland loans $366
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $4,335
    To non-U.S. addressees $0
    Loans to individuals $17,539
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $17,539
    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 $93,894,000 of loans outstanding in 2019. $72,932,000 of loans were in real estate loans. $2,044,000 of loans were in development loans. $777,000 of loans were in multifamily mortgage loans. $54,255,000 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 16 $6,486 $405,375
    Nonfarm, nonresidential loans - $100-250k 1 $194 $194,000
    Nonfarm, nonresidential loans - $250k-1MM 15 $6,292 $419,467
    Commercial & Industrial, US addressed loans - <$1MM 11 $1,345 $122,273
    Commercial & Industrial, US addressed loans - <$100k 1 $15 $15,000
    Commercial & Industrial, US addressed loans - $100-250k 5 $413 $82,600
    Commercial & Industrial, US addressed loans - $250k-1MM 5 $917 $183,400