State Bank Of De Kalb Mortgage Rates, Fees & Info
Bowie, TXLEI: 549300L6SV1WXLO6BB96
Tax ID: 75-0583697
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
State Bank Of De Kalb is a smaller bank specializing in Home Purchase loans. State Bank Of De Kalb 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: Texarkana, Hot Springs, Oxford, Memphis, and College Station among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)State Bank Of De Kalb 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
155Origination Dollar Volume (All Markets)
$29,625,000Top 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 |
|---|---|---|---|---|---|
| TEXARKANA, TX-AR (FHA|USDA|VA) | 119 | $21,495,000 | $180,630 | $0 | 0.00% |
| Outside of Metro Areas | 27 | $4,425,000 | $163,889 | $0 | 0.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $2,030,000 | $1,015,000 | $0 | 0.00% |
| Oxford, MS (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Paris, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| El Campo, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against State Bank of De Kalb 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 2024, State Bank Of De Kalb's most frequently originated type of loan was Conventional, with 137 originations. Their 2nd most popular type was VA, with 9 originations.
Loan Reason
For 2024, State Bank Of De Kalb's most frequently cited loan purpose was Home Purchase, with 110 originations. The 2nd most popular reason was Refi, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 155 | $29,625,000 | $191,129 | $0 | 0.00% |
For 2024, State Bank Of De Kalb's most frequently cited loan duration was Other, with 155 originations.
Loan Sizing
2024 saw State Bank Of De Kalb place emphasis on $100,000 or less loans with 60 originations, totaling $3,810,000 in origination value.
Applicant Income
State Bank Of De Kalb lent most frequently to those with incomes in the $100k-150k range, with 36 originations. The second most popular income band? $150k-250k, with 27 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 155 | $29,625,000 | $191,129 | $0 | 0.00% |
State Bank Of De Kalb lent most frequently to those with DTI ratios of Exempt%, with 155 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.45%
State Bank Of De Kalb has an average approval rate.
Pick Rate
Approvals leading to origination83.87%
State Bank Of De Kalb has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 155 | $29,625,000 | $191,129 |