Austin Capital Bank Ssb Mortgage Rates, Fees & Info
Austin, TXLEI: 549300DRKDRXN7POBN12
Tax ID: 20-2602253
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Mortgage Data
Review & Overview
Austin Capital Bank Ssb is a smaller bank specializing in Home Purchase loans. Austin Capital Bank Ssb has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Austin, San Antonio, Nashville, Seattle, and Dallas among others. We have data for 150 markets. (Some data included below & more in-depth data is available with an active subscription.)Austin Capital Bank Ssb has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Austin Capital Bank Ssb is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
903Origination Dollar Volume (All Markets)
$280,485,000Awards
Austin Capital Bank SSB - 2022
Austin Capital Bank SSB is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 98 | $38,340,000 | $391,224 | $8,762 | 5.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 67 | $22,765,000 | $339,776 | $10,999 | 4.77% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 65 | $20,095,000 | $309,154 | $7,553 | 5.16% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 35 | $18,195,000 | $519,857 | $13,383 | 5.05% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 45 | $14,905,000 | $331,222 | $10,162 | 4.96% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 36 | $12,710,000 | $353,056 | $10,364 | 4.54% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 54 | $11,220,000 | $207,778 | $8,183 | 5.24% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 24 | $8,910,000 | $371,250 | $6,956 | 4.94% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 25 | $7,825,000 | $313,000 | $10,822 | 4.48% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 33 | $7,535,000 | $228,333 | $7,297 | 5.27% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 23 | $6,925,000 | $301,087 | $10,006 | 5.19% |
| Outside of Metro Areas | 28 | $6,030,000 | $215,357 | $7,484 | 4.94% |
| Aberdeen, WA (FHA|USDA|VA) | 19 | $5,185,000 | $272,895 | $7,963 | 4.90% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 11 | $4,955,000 | $450,455 | $13,374 | 5.27% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 15 | $4,585,000 | $305,667 | $6,087 | 4.78% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 15 | $3,865,000 | $257,667 | $8,621 | 5.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 8 | $3,550,000 | $443,750 | $7,854 | 5.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $3,265,000 | $362,778 | $9,251 | 5.07% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 10 | $3,180,000 | $318,000 | $10,228 | 5.27% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 9 | $2,885,000 | $320,556 | $6,916 | 5.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $2,600,000 | $433,333 | $13,420 | 4.87% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $2,125,000 | $425,000 | $18,530 | 5.50% |
| WACO, TX (FHA|USDA|VA) | 7 | $2,015,000 | $287,857 | $7,045 | 4.69% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 13 | $1,985,000 | $152,692 | $5,842 | 5.98% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,965,000 | $393,000 | $10,148 | 5.95% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 9 | $1,935,000 | $215,000 | $7,132 | 5.46% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $1,715,000 | $343,000 | $10,323 | 5.12% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $14,575 | 5.06% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,690,000 | $845,000 | $8,692 | 4.69% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $1,645,000 | $235,000 | $8,429 | 4.55% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $12,702 | 4.46% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $1,465,000 | $1,465,000 | $47,844 | 4.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $6,901 | 5.16% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $10,586 | 4.56% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $4,937 | 4.53% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $10,453 | 5.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $8,858 | 4.56% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $9,459 | 4.34% |
| OCALA, FL (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $12,658 | 6.06% |
| Minden, LA (FHA|USDA|VA) | 7 | $1,105,000 | $157,857 | $6,252 | 5.41% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $7,414 | 5.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $9,241 | 4.31% |
| Shelton, WA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $12,925 | 3.87% |
| EL PASO, TX (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $9,466 | 5.88% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $9,142 | 3.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $6,908 | 4.09% |
| Holland, MI (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $12,804 | 5.96% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $9,047 | 3.19% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $9,613 | 5.63% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $32,445 | 6.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,934 | 5.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,697 | 6.13% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $7,122 | 5.19% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $19,790 | 5.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $9,245 | 5.17% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $13,786 | 4.12% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $8,943 | 3.99% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,142 | 4.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $19,005 | 7.25% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,831 | 4.17% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $13,003 | 6.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $7,456 | 5.04% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $6,195 | 4.63% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $6,367 | 6.66% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $7,423 | 5.13% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $6,307 | 4.58% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $13,724 | 5.99% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,968 | 5.38% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $11,216 | 4.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,063 | 5.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,989 | 4.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,659 | 4.69% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,109 | 5.63% |
| MOBILE, AL (FHA|USDA|VA) | 5 | $445,000 | $89,000 | $5,718 | 5.20% |
| Alice, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $11,508 | 3.99% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $12,061 | 3.62% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $7,655 | 4.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $7,128 | 4.08% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,107 | 4.44% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,163 | 4.68% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $8,949 | 5.87% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,237 | 4.75% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,815 | 5.13% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,437 | 3.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,349 | 4.75% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $16,567 | 6.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,587 | 4.94% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,263 | 4.13% |
| TULSA, OK (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,063 | 3.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,867 | 3.88% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,055 | 4.88% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,394 | 5.25% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,406 | 5.75% |
| Wilson, NC (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $4,616 | 5.38% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,325 | 6.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,066 | 5.38% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,897 | 4.75% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,046 | 5.88% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,768 | 2.75% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,155 | 5.37% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,065 | 6.13% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,694 | 6.25% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,923 | 3.88% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,981 | 3.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,926 | 6.63% |
| MIDLAND, MI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,233 | 6.06% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,618 | 4.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,024 | 5.63% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,212 | 5.50% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,823 | 7.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,036 | 4.13% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $13,335 | 6.13% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,449 | 5.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,165 | 5.50% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,054 | 6.13% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,084 | 6.63% |
| Shelby, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,258 | 3.88% |
| Clovis, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,892 | 3.88% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,502 | 5.25% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,664 | 6.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,041 | 4.99% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,719 | 2.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,349 | 5.99% |
| Palestine, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,292 | 6.63% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,330 | 4.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,547 | 4.38% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,756 | 5.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,848 | 3.75% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,421 | 4.13% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,068 | 5.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,006 | 3.38% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,068 | 3.50% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,074 | 5.25% |
| Bonham, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,848 | 5.62% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,869 | 3.50% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,896 | 5.62% |
| Grenada, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,124 | 3.75% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,445 | 5.13% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,270 | 6.13% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,260 | 5.12% |
| Danville, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,212 | 5.50% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,206 | 3.75% |
| Ruston, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,222 | 5.00% |
| Hope, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,714 | 4.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,277 | 3.88% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,789 | 5.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,466 | 5.25% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,026 | 6.50% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $5,331 | 5.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,984 | 6.63% |
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We use machine learning to identify the top lenders compared against Austin Capital Bank SSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Austin Capital Bank Ssb's most frequently originated type of loan was Conventional, with 573 originations. Their 2nd most popular type was FHA, with 186 originations.
Loan Reason
For 2022, Austin Capital Bank Ssb's most frequently cited loan purpose was Home Purchase, with 761 originations. The 2nd most popular reason was Cash Out Refi, with 115 originations.
Loan Duration/Length
For 2022, Austin Capital Bank Ssb's most frequently cited loan duration was 30 Year, with 879 originations. The 2nd most popular length was 15 Year, with 15 originations.
Origination Fees/Closing Costs
Austin Capital Bank Ssb's average total fees were $9,030, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 306 originations.
Interest Rates
During 2022, Austin Capital Bank Ssb's average interest rate for loans was 5.03%, while their most frequently originated rate bucket for loans was 5-6%, with 329 originations.
Loan Sizing
2022 saw Austin Capital Bank Ssb place emphasis on $200k-400k loans with 447 originations, totaling $130,425,000 in origination value.
Applicant Income
Austin Capital Bank Ssb lent most frequently to those with incomes in the $100k-150k range, with 234 originations. The second most popular income band? $50k-75k, with 208 originations.
Applicant Debt to Income Ratio
Austin Capital Bank Ssb lent most frequently to those with DTI ratios of 30-36%, with 134 originations. The next most common DTI ratio? 20-30%, with 121 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.42%
Austin Capital Bank Ssb has an average approval rate.
Pick Rate
Approvals leading to origination49.06%
Austin Capital Bank Ssb has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 903 | $280,485,000 | $310,615 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Academy Mortgage Corporation | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |