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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Texarkana, Dallas, Little Rock, Austin, and Hot Springs among others. We have data for 10 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.
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Originations
159Origination Dollar Volume (All Markets)
$30,245,000Awards
State Bank of De Kalb - 2023
State Bank of De Kalb is a 2023 , due to their low .
For 2023, 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) | 122 | $22,450,000 | $184,016 | $5,071 | 7.82% |
| Outside of Metro Areas | 26 | $3,790,000 | $145,769 | $3,148 | 7.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $9,245 | 6.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $3,888 | 7.31% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $8,160 | 7.25% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,687 | 6.56% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 8.25% |
| Oxford, MS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 8.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,291 | 7.38% |
| Paris, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,069 | 8.95% |
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 2023, State Bank Of De Kalb's most frequently originated type of loan was Conventional, with 145 originations. Their 2nd most popular type was FHA, with 7 originations.
Loan Reason
For 2023, State Bank Of De Kalb's most frequently cited loan purpose was Home Purchase, with 103 originations. The 2nd most popular reason was Refi, with 25 originations.
Loan Duration/Length
For 2023, State Bank Of De Kalb's most frequently cited loan duration was 30 Year, with 46 originations. The 2nd most popular length was Other, with 34 originations.
Origination Fees/Closing Costs
State Bank Of De Kalb's average total fees were $7,482, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 52 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 72 | $7,650,000 | $106,250 |
| 7-8% | 39 | $8,425,000 | $216,026 |
| 5-6% | 24 | $6,800,000 | $283,333 |
| 6-7% | 24 | $7,370,000 | $307,083 |
During 2023, State Bank Of De Kalb's average interest rate for loans was 6.36%, while their most frequently originated rate bucket for loans was Over 8%, with 72 originations.
Loan Sizing
2023 saw State Bank Of De Kalb place emphasis on $100,000 or less loans with 62 originations, totaling $3,870,000 in origination value.
Applicant Income
State Bank Of De Kalb lent most frequently to those with incomes in the $100k-150k range, with 35 originations. The second most popular income band? $150k-250k, with 26 originations.
Applicant Debt to Income Ratio
State Bank Of De Kalb lent most frequently to those with DTI ratios of 30-36%, with 26 originations. The next most common DTI ratio? 20-30%, with 20 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.51%
State Bank Of De Kalb has an average approval rate.
Pick Rate
Approvals leading to origination91.82%
State Bank Of De Kalb has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 159 | $30,245,000 | $190,220 |