Ennis State Bank Mortgage Rates, Fees & Info
Ennis, TXLEI: 549300L0KQ09W67V4228
Tax ID: 75-0256400
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Ennis State Bank is a smaller bank specializing in Home Purchase loans. Ennis State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Tyler, Crestview, Sherman, and Athens among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Ennis State Bank 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.
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Originations
87Origination Dollar Volume (All Markets)
$35,465,000Top 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 69 | $24,595,000 | $356,449 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $2,615,000 | $2,615,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $1,770,000 | $885,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 2 | $1,370,000 | $685,000 | $0 | 0.00% |
| Corsicana, TX (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $0 | 0.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $395,000 | $395,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 0.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Bonham, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Ennis State Bank 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 87 | $35,465,000 | $407,644 | $0 | 0.00% |
For 2024, Ennis State Bank's most frequently originated type of loan was Conventional, with 87 originations.
Loan Reason
For 2024, Ennis State Bank's most frequently cited loan purpose was Home Purchase, with 62 originations. The 2nd most popular reason was Home Improvement, with 10 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 87 | $35,465,000 | $407,644 | $0 | 0.00% |
For 2024, Ennis State Bank's most frequently cited loan duration was Other, with 87 originations.
Loan Sizing
2024 saw Ennis State Bank place emphasis on $200k-400k loans with 33 originations, totaling $8,945,000 in origination value.
Applicant Income
Ennis State Bank lent most frequently to those with incomes in the $100k-150k range, with 17 originations. The second most popular income band? $150k-250k, with 15 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 87 | $35,465,000 | $407,644 | $0 | 0.00% |
Ennis State Bank lent most frequently to those with DTI ratios of Exempt%, with 87 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.41%
Ennis State Bank has a below average approval rate.
Pick Rate
Approvals leading to origination67.82%
Ennis State 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 | 87 | $35,465,000 | $407,644 |