Stc Capital Bank Mortgage Rates, Fees & Info
ST CHARLES, ILLEI: 549300J27VS5J4C0NT16
Tax ID: 20-3918054
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Mortgage Data
Review & Overview
Stc Capital Bank is a smaller bank specializing in Home Purchase and Refi loans. Stc Capital Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Chicago, New Philadelphia, Minneapolis, North Port, and Pontiac among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)Stc Capital Bank 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.
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Originations
151Origination Dollar Volume (All Markets)
$43,965,000Top 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 |
|---|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 114 | $38,390,000 | $336,754 | $0 | 0.00% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 16 | $2,020,000 | $126,250 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| Pontiac, IL (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $160,000 | $80,000 | $0 | 0.00% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| London, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Freeport, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 118 | $38,530,000 | $326,525 | $0 | 0.00% |
| FHA | 33 | $5,435,000 | $164,697 | $0 | 0.00% |
For 2018, Stc Capital Bank's most frequently originated type of loan was Conventional, with 118 originations. Their 2nd most popular type was FHA, with 33 originations.
Loan Reason
For 2018, Stc Capital Bank's most frequently cited loan purpose was Home Purchase, with 114 originations. The 2nd most popular reason was Refi, with 21 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 151 | $43,965,000 | $291,159 | $0 | 0.00% |
For 2018, Stc Capital Bank's most frequently cited loan duration was Other, with 151 originations.
Loan Sizing
2018 saw Stc Capital Bank place emphasis on $100k-200k loans with 62 originations, totaling $9,090,000 in origination value.
Applicant Income
Stc Capital Bank lent most frequently to those with incomes in the $50k-75k range, with 34 originations. The second most popular income band? $50k or less, with 28 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 151 | $43,965,000 | $291,159 | $0 | 0.00% |
Stc Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 151 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.77%
Stc Capital Bank has an average approval rate.
Pick Rate
Approvals leading to origination61.59%
Stc Capital Bank 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 |
|---|---|---|---|
| Exempt | 151 | $43,965,000 | $291,159 |