State Bank Of De Kalb Mortgage Rates, Fees & Info
Bowie, TXLEI: 549300L6SV1WXLO6BB96
Tax ID: 75-0583697
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Mortgage Data
Review & Overview
State Bank Of De Kalb is a smaller bank specializing in Home Purchase and Refi loans. State Bank Of De Kalb has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Texarkana, Hot Springs, Fayetteville, Washington, and Dallas among others. We have data for 15 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 an above average pick rate when compared to similar lenders. State Bank Of De Kalb is typically an average 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 | 6.49% | 4/28/24 |
| 30 Year Conventional Refi | 6.44% | 4/28/24 |
| 30 Year Cash-out Refi | 6.86% | 4/28/24 |
| 30 Year FHA Purchase | 6.90% | 4/28/24 |
| 30 Year FHA Refi | 6.36% | 4/28/24 |
| 30 Year VA Purchase | 5.81% | 4/28/24 |
| 30 Year USDA Purchase | 7.37% | 4/28/24 |
| 15 Year Conventional Purchase | 7.46% | 4/28/24 |
| 15 Year Conventional Refi | 6.29% | 4/28/24 |
| 15 Year Cash-out Refi | 6.29% | 4/28/24 |
| 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. | ||
State Bank Of De Kalb Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
313Origination Dollar Volume (All Markets)
$78,595,000Awards
State Bank of De Kalb - 2022
State Bank of De Kalb 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 |
|---|---|---|---|---|---|
| TEXARKANA, TX-AR (FHA|USDA|VA) | 242 | $52,730,000 | $217,893 | $4,626 | 5.24% |
| Outside of Metro Areas | 43 | $10,645,000 | $247,558 | $3,717 | 5.20% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $4,360,000 | $2,180,000 | $6,906 | 3.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $2,645,000 | $881,667 | $3,023 | 4.63% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $2,125,000 | $2,125,000 | $0 | 4.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $1,995,000 | $221,667 | $0 | 3.82% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $8,568 | 4.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $7,664 | 4.63% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $8,425 | 4.98% |
| Palestine, TX (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,587 | 4.88% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,725 | 4.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,339 | 5.76% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,086 | 3.38% |
| Hope, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.50% |
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 2022, State Bank Of De Kalb's most frequently originated type of loan was Conventional, with 293 originations. Their 2nd most popular type was FHA, with 11 originations.
Loan Reason
For 2022, State Bank Of De Kalb's most frequently cited loan purpose was Home Purchase, with 220 originations. The 2nd most popular reason was Refi, with 59 originations.
Loan Duration/Length
For 2022, State Bank Of De Kalb's most frequently cited loan duration was 30 Year, with 99 originations. The 2nd most popular length was Other, with 54 originations.
Origination Fees/Closing Costs
State Bank Of De Kalb's average total fees were $5,752, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 80 originations.
Interest Rates
During 2022, State Bank Of De Kalb's average interest rate for loans was 4.65%, while their most frequently originated rate bucket for loans was 5-6%, with 102 originations.
Loan Sizing
2022 saw State Bank Of De Kalb place emphasis on $200k-400k loans with 98 originations, totaling $27,570,000 in origination value.
Applicant Income
State Bank Of De Kalb lent most frequently to those with incomes in the $100k-150k range, with 48 originations. The second most popular income band? $75k-100k, with 45 originations.
Applicant Debt to Income Ratio
State Bank Of De Kalb lent most frequently to those with DTI ratios of 20-30%, with 47 originations. The next most common DTI ratio? 30-36%, with 43 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.40%
State Bank Of De Kalb has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination92.33%
State Bank Of De Kalb has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 313 | $78,595,000 | $251,102 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Statebridge Company | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |