Security Bank Of Crawford Mortgage Rates, Fees & Info
Crawford, TXLEI: 549300KZ4HZESXAO1M36
Tax ID: 75-0548765
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Mortgage Data
Review & Overview
Security Bank Of Crawford is a smaller bank specializing in Home Purchase loans. Security Bank Of Crawford has a high proportion of conventional loans. Their top markets by origination volume include: Waco, Killeen, Stephenville, San Antonio, and Dallas among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Security Bank Of Crawford has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Security Bank Of Crawford is typically a low 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.
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Originations
66Origination Dollar Volume (All Markets)
$8,300,000Top 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 |
|---|---|---|---|---|---|
| WACO, TX (FHA|USDA|VA) | 32 | $2,980,000 | $93,125 | $2,629 | 6.44% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 16 | $1,610,000 | $100,625 | $2,497 | 6.23% |
| Outside of Metro Areas | 10 | $920,000 | $92,000 | $1,607 | 7.10% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $26,784 | 5.75% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $10,370 | 5.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $225 | 5.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 6.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,514 | 6.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $1,464 | 6.63% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 66 | $8,300,000 | $125,758 | $3,273 | 6.46% |
For 2018, Security Bank Of Crawford's most frequently originated type of loan was Conventional, with 66 originations.
Loan Reason
For 2018, Security Bank Of Crawford's most frequently cited loan purpose was Home Purchase, with 39 originations. The 2nd most popular reason was Cash Out Refi, with 17 originations.
Loan Duration/Length
For 2018, Security Bank Of Crawford's most frequently cited loan duration was 15 Year, with 28 originations. The 2nd most popular length was 30 Year, with 16 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 10 | $660,000 | $66,000 |
| $1k-2k | 5 | $815,000 | $163,000 |
| $5k+ | 2 | $1,170,000 | $585,000 |
| $2k-3k | 1 | $265,000 | $265,000 |
| $3k-4k | 1 | $385,000 | $385,000 |
Security Bank Of Crawford's average total fees were $4,243, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 10 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 29 | $4,705,000 | $162,241 |
| 6-7% | 23 | $2,655,000 | $115,435 |
| 7-8% | 4 | $310,000 | $77,500 |
| Over 8% | 4 | $220,000 | $55,000 |
During 2018, Security Bank Of Crawford's average interest rate for loans was 6.02%, while their most frequently originated rate bucket for loans was 5-6%, with 29 originations.
Loan Sizing
2018 saw Security Bank Of Crawford place emphasis on $100,000 or less loans with 43 originations, totaling $2,435,000 in origination value.
Applicant Income
Security Bank Of Crawford lent most frequently to those with incomes in the $250k+ range, with 11 originations. The second most popular income band? $75k-100k, with 9 originations.
Applicant Debt to Income Ratio
Security Bank Of Crawford lent most frequently to those with DTI ratios of 20-30%, with 14 originations. The next most common DTI ratio? 30-36%, with 10 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.90%
Security Bank Of Crawford has a below average approval rate.
Pick Rate
Approvals leading to origination69.70%
Security Bank Of Crawford 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 | 66 | $8,300,000 | $125,758 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Security National Financial Corp | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 20.0% |
| Security National Financial Corp | Conventional home mortgage | Trouble during payment process | 3 | 60.0% |
| Security National Financial Corp | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 20.0% |