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

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%	11/23/24
30 Year Conventional Refi	6.88%	11/23/24
30 Year Cash-out Refi	7.18%	11/23/24
30 Year FHA Purchase	7.78%	11/23/24
30 Year FHA Refi	7.40%	11/23/24
30 Year VA Purchase	6.43%	11/23/24
30 Year VA Refi	6.27%	11/23/24
30 Year USDA Purchase	7.14%	11/23/24
15 Year Conventional Purchase	6.50%	11/23/24
15 Year Conventional Refi	6.37%	11/23/24
15 Year Cash-out Refi	6.37%	11/23/24
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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

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

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%
Cañon 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)

Similar Lenders

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.

Liberty Bank for Savings
Similarity Rank: 85

ARAPAHOE CREDIT UNION
Similarity Rank: 256

SIMPLIFI MORTGAGE, LLC
Similarity Rank: 288

Macatawa Bank
Similarity Rank: 297

KENT COUNTY CREDIT UNION
Similarity Rank: 344

EDUCATORS CREDIT UNION
Similarity Rank: 352

West Michigan Credit Union
Similarity Rank: 364

The District Federal Credit Union
Similarity Rank: 372

Nevada Mortgage Inc.
Similarity Rank: 401

INDIANA UNIVERSITY CREDIT UNION
Similarity Rank: 434

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