Commercial Bank Of Texas Mortgage Rates, Fees & Info

Nacogdoches, TX

LEI: 549300M16XETIG2Z5N24

Tax ID: 75-0203352

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Mortgage Data

Bank Data

Review & Overview

Commercial Bank Of Texas is a smaller bank specializing in Home Purchase loans. Commercial Bank Of Texas 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: Lufkin, Dallas, Nacogdoches, Palestine, and Houston among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)

Commercial Bank Of Texas 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. Commercial Bank Of Texas 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.

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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.80% 3/24/24
30 Year Conventional Refi 6.55% 3/24/24
30 Year Cash-out Refi 6.96% 3/24/24
30 Year FHA Purchase 7.14% 3/24/24
30 Year VA Purchase 6.05% 3/24/24
30 Year VA Refi 5.96% 3/24/24
15 Year Conventional Purchase 6.34% 3/24/24
15 Year Conventional Refi 6.24% 3/24/24
15 Year Cash-out Refi 6.24% 3/24/24
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.

Commercial Bank Of Texas Mortgage Calculator






Your Estimates

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This is not an official calculator from Commercial Bank Of Texas. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

499

Origination Dollar Volume (All Markets)

$87,115,000

Employee count

204

Awards

Commercial Bank of Texas FHA Loans gold Commercial Bank of Texas 30 Year Conventional Loans silver Commercial Bank of Texas FHA Loans gold
Show all (3) awards

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
Lufkin, TX (FHA|USDA|VA) 174 $28,100,000 $161,494 $4,348 5.05%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 83 $22,315,000 $268,855 $5,582 4.92%
Nacogdoches, TX (FHA|USDA|VA) 138 $19,890,000 $144,130 $3,582 5.05%
Outside of Metro Areas 47 $7,235,000 $153,936 $4,191 5.00%
Palestine, TX (FHA|USDA|VA) 25 $2,515,000 $100,600 $2,892 5.59%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,090,000 $272,500 $6,614 4.72%
Jacksonville, TX (FHA|USDA|VA) 5 $1,085,000 $217,000 $6,223 4.83%
Clearlake, CA (FHA|USDA|VA) 1 $645,000 $645,000 $12,502 4.25%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $470,000 $235,000 $4,178 4.63%
Athens, TX (FHA|USDA|VA) 2 $470,000 $235,000 $3,510 5.00%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $385,000 $385,000 $6,673 4.88%
TYLER, TX (FHA|USDA|VA) 3 $375,000 $125,000 $3,289 4.96%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $275,000 $275,000 $6,918 4.95%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $255,000 $255,000 $4,737 5.63%
Durango, CO (FHA|USDA|VA) 1 $245,000 $245,000 $3,898 4.88%
MONROE, MI (FHA|USDA|VA) 1 $245,000 $245,000 $3,541 4.38%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,388 4.63%
Granbury, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,468 4.75%
Paris, TX (FHA|USDA|VA) 2 $220,000 $110,000 $3,481 4.81%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $215,000 $215,000 $10,366 4.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $2,433 4.13%
AMARILLO, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,991 4.38%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $135,000 $135,000 $2,790 4.75%
Sulphur Springs, TX (FHA|USDA|VA) 1 $85,000 $85,000 $2,044 5.63%
TULSA, OK (FHA|USDA|VA) 1 $75,000 $75,000 $2,560 5.25%
Commercial Bank Of Texas's top markets include Lufkin, Dallas, Nacogdoches, Palestine, and Houston among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 446 $77,440,000 $173,632 $3,990 5.09%
    FHA 31 $4,775,000 $154,032 $6,280 4.51%
    VA 17 $4,245,000 $249,706 $6,080 4.60%
    USDA 5 $655,000 $131,000 $4,858 4.83%

    For 2018, Commercial Bank Of Texas's most frequently originated type of loan was Conventional, with 446 originations. Their 2nd most popular type was FHA, with 31 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 364 $66,190,000 $181,841 $4,589 4.98%
    Cash Out Refi 68 $10,460,000 $153,824 $3,791 5.17%
    Refi 44 $8,190,000 $186,136 $3,429 4.95%
    Other 17 $1,715,000 $100,882 $2,406 5.59%
    Home Improvement 6 $560,000 $93,333 $2,154 5.83%

    For 2018, Commercial Bank Of Texas's most frequently cited loan purpose was Home Purchase, with 364 originations. The 2nd most popular reason was Cash Out Refi, with 68 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 313 $62,155,000 $198,578 $4,703 4.83%
    15 Year 107 $12,075,000 $112,850 $2,896 5.31%
    20 Year 43 $6,475,000 $150,581 $3,135 5.35%
    10 Year 16 $1,890,000 $118,125 $2,831 5.55%
    Other 10 $1,090,000 $109,000 $1,521 6.24%
    5 Year 5 $755,000 $151,000 $3,805 5.20%
    1 Year 3 $555,000 $185,000 $10,291 5.92%
    30+ year 1 $2,085,000 $2,085,000 $24,099 4.50%
    3 Year 1 $35,000 $35,000 $1,410 4.10%

    For 2018, Commercial Bank Of Texas's most frequently cited loan duration was 30 Year, with 313 originations. The 2nd most popular length was 15 Year, with 107 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 320 $49,390,000 $154,344
    $1k-2k 58 $15,100,000 $260,345
    $3k-4k 15 $5,295,000 $353,000
    $2k-3k 11 $2,945,000 $267,727
    $5k+ 8 $4,760,000 $595,000
    $4k-5k 2 $530,000 $265,000

    Commercial Bank Of Texas's average total fees were $4,703, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 320 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 275 $55,725,000 $202,636
    5-6% 159 $21,805,000 $137,138
    6-7% 34 $2,850,000 $83,824
    3-4% 27 $6,625,000 $245,370
    7-8% 4 $110,000 $27,500

    During 2018, Commercial Bank Of Texas's average interest rate for loans was 4.83%, while their most frequently originated rate bucket for loans was 4-5%, with 275 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 212 $31,490,000 $148,538 $3,859 4.90%
    $100,000 or less 140 $8,980,000 $64,143 $2,617 5.56%
    $200k-400k 125 $33,765,000 $270,120 $5,401 4.76%
    $400k-600k 16 $6,980,000 $436,250 $7,561 4.53%
    $600k-1MM 4 $2,600,000 $650,000 $6,575 4.48%
    $1MM+ 2 $3,300,000 $1,650,000 $17,740 5.00%

    2018 saw Commercial Bank Of Texas place emphasis on $100k-200k loans with 212 originations, totaling $31,490,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 114 $15,700,000 $137,719 $3,909 4.98%
    $100k-150k 110 $21,410,000 $194,636 $4,729 4.99%
    $50k or less 82 $8,030,000 $97,927 $3,163 5.13%
    $75k-100k 79 $14,775,000 $187,025 $4,478 4.84%
    $150k-250k 44 $11,480,000 $260,909 $4,950 4.81%
    $250k+ 34 $11,670,000 $343,235 $6,091 5.18%

    Commercial Bank Of Texas lent most frequently to those with incomes in the $50k-75k range, with 114 originations. The second most popular income band? $100k-150k, with 110 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 102 $18,870,000 $185,000 $4,215 5.01%
    30-36% 76 $13,920,000 $183,158 $4,318 5.01%
    <20% 34 $5,470,000 $160,882 $3,723 5.11%
    49% 25 $4,785,000 $191,400 $3,968 4.98%
    38% 23 $4,035,000 $175,435 $4,797 4.97%
    50-60% 21 $3,475,000 $165,476 $4,653 4.78%
    40% 20 $3,560,000 $178,000 $4,677 5.08%
    46% 19 $3,355,000 $176,579 $3,656 4.90%
    41% 18 $3,390,000 $188,333 $3,725 4.89%
    47% 17 $3,365,000 $197,941 $5,042 4.88%
    36% 16 $2,710,000 $169,375 $3,477 4.76%
    44% 15 $2,315,000 $154,333 $3,771 4.81%
    42% 14 $2,730,000 $195,000 $4,584 4.88%
    43% 14 $2,430,000 $173,571 $4,566 4.97%
    45% 13 $2,115,000 $162,692 $5,445 5.01%
    48% 13 $2,055,000 $158,077 $3,865 5.24%
    39% 10 $1,700,000 $170,000 $4,044 4.91%
    >60% 9 $2,205,000 $245,000 $5,792 5.26%
    37% 8 $1,170,000 $146,250 $3,130 5.33%

    Commercial Bank Of Texas lent most frequently to those with DTI ratios of 20-30%, with 102 originations. The next most common DTI ratio? 30-36%, with 76 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 390 $67,470,000 $173,000 $4,221 4.99%
    Not provided 46 $11,130,000 $241,957 $5,277 4.97%
    Not applicable 30 $3,290,000 $109,667 $0 5.76%
    Asian 16 $3,250,000 $203,125 $4,305 4.64%
    Black 15 $1,845,000 $123,000 $3,000 5.51%
    American Indian 1 $95,000 $95,000 $4,471 4.50%
    Chinese 1 $35,000 $35,000 $1,952 4.99%

    Approval Rates

    Total approvals of all applications
    79.58%

    Commercial Bank Of Texas has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    78.16%

    Commercial Bank Of Texas has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    163.0 1 $85,000 $85,000
    313.0 1 $45,000 $45,000
    NA 497 $86,985,000 $175,020

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $385,000 $385,000
    Single Family (1-4 Units):Manufactured 16 $1,200,000 $75,000
    Single Family (1-4 Units):Site-Built 482 $85,530,000 $177,448

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 23 $2,585,000 $112,391 $2,712 5.37%
    40-60% 43 $6,315,000 $146,860 $3,608 4.86%
    60-80% 173 $30,985,000 $179,104 $3,840 5.15%
    80-100% 250 $45,810,000 $183,240 $4,772 4.92%
    Over 100% 3 $935,000 $311,667 $8,754 5.42%
    Under 20% 7 $485,000 $69,286 $2,109 5.96%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    COMMERCE BANK VA mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Commercial Bank of Texas, National Association 107 Quitman Street Emory, TX 75440 Full Service B&M $75,570
    Commercial Bank of Texas, National Association 109 West Parker St Elkhart, TX 75839 Full Service B&M $36,982
    Commercial Bank of Texas, National Association 1219 W Mcdermott Drive Allen, TX 75013 Full Service Retail $9,890
    Commercial Bank of Texas, National Association 1629 North University Nacogdoches, TX 75961 Full Service B&M $15,390
    Commercial Bank of Texas, National Association 1716 Forest Ridge Bedford, TX 76022 Full Service B&M $29,356
    Commercial Bank of Texas, National Association 1873 W Frank Ave Lufkin, TX 75904 Full Service B&M $25,248
    Commercial Bank of Texas, National Association 1901 Tulane Lufkin, TX 75901 Full Service B&M $35,789
    Commercial Bank of Texas, National Association 201 South Mill Street Lewisville, TX 75057 Full Service B&M $13,994
    Commercial Bank of Texas, National Association 210 Harrison Avenue Roxton, TX 75477 Full Service B&M $14,033
    Commercial Bank of Texas, National Association 215 East Main Nacogdoches, TX 75961 Limited, Mobile/Seasonal Office $0
    Commercial Bank of Texas, National Association 215 East Main Street Nacogdoches, TX 75961 Full Service B&M $173,871
    Commercial Bank of Texas, National Association 222 Vista Blvd Nacogdoches, TX 75962 Full Service Retail $0
    Commercial Bank of Texas, National Association 410 East Lacy Street Palestine, TX 75801 Full Service B&M $157
    Commercial Bank of Texas, National Association 4929 North Street Nacogdoches, TX 75965 Full Service Retail $23,029
    Commercial Bank of Texas, National Association 501 N Temple Diboll, TX 75941 Full Service B&M $6,679
    Commercial Bank of Texas, National Association 600 South First Street Lufkin, TX 75901 Full Service B&M $92,458
    Commercial Bank of Texas, National Association Cooper Street And Highway 69 Emory, TX 75410 Full Service B&M $9,630
    Commercial Bank of Texas, National Association Main And Broadway Kennard, TX 75847 Full Service B&M $17,711
    Commercial Bank of Texas, National Association U.S. Highway 69 Wells, TX 75976 Full Service B&M $17,886

    For 2018, Commercial Bank Of Texas had 19 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $26,774
    Net interest income $24,658
    Total noninterest income $10,383
    Gross Fiduciary activities income $671
    Service charges on deposit accounts $3,669
    Trading account gains and fees $0
    Additional Noninterest Income $6,043
    Pre-tax net operating income $9,286
    Securities gains (or losses, -) $0
    Income before extraordinary items $7,417
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,417
    Minority interest net income $0
    Net income $7,417
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,417

    Commercial Bank Of Texas's gross interest income from loans was $26,774,000.
    Commercial Bank Of Texas's net interest income from loans was $24,658,000.
    Commercial Bank Of Texas's fee based income from loans was $3,669,000.
    Commercial Bank Of Texas's net income from loans was $7,417,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,116
    Provision for credit losses $1,675
    Total noninterest expense $24,080
    Salaries and employee benefits $13,177
    Premises and equipment expense $3,327
    Additional noninterest expense $7,576
    Applicable income taxes $1,869
    Net charge-offs $445
    Cash dividends $1,143

    Commercial Bank Of Texas's interest expense for loans was $2,116,000.
    Commercial Bank Of Texas's payroll and benefits expense were $13,177,000.
    Commercial Bank Of Texas's property, plant and equipment expenses $3,327,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 2.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $649,877
    Deposits held in domestic offices $649,877
    Deposits by Individuals, partnerships, and corporations $561,692
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $87,447
    Deposits by Commercial banks and other depository institutions in U.S. $736
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $402,842
    Demand deposits $225,244
    Nontransaction accounts $247,035
    Money market deposit accounts (MMDAs) $75,212
    Other savings deposits (excluding MMDAs) $61,260
    Total time deposits $110,564
    Total time and savings deposits $424,633
    Noninterest-bearing deposits $52,499
    Interest-bearing deposits $597,378
    Retail deposits $629,489
    IRAs and Keogh plan accounts $17,524
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $727,918
    Cash & Balances due from depository institutions $25,186
    Interest-bearing balances $5,499
    Total securities $208,495
    Federal funds sold & reverse repurchase $5,000
    Net loans and leases $445,345
    Loan and leases loss allowance $5,440
    Trading account assets $514
    Bank premises and fixed assets $10,331
    Other real estate owned $2,285
    Goodwill and other intangibles $6,729
    All other assets $24,033

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $727,918
    Total Liabilities $656,203
    Total deposits $649,877
    Interest-bearing deposits $597,378
    Deposits held in domestic offices $649,877
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $6,326

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $445,345
    Loan and leases loss allowance $5,440
    Total loans and leases (domestic) $450,785
    All real estate loans $327,788
    Real estate loans in domestic offices $327,788
    Construction and development loans $39,464
    Residential 1-4 family construction $15,878
    Other construction, all land development and other land $23,586
    Loans secured by nonfarm nonresidential properties $165,112
    Nonfarm nonresidential secured by owner-occupied properties $71,214
    Commercial real estate & other non-farm, non-residential $93,898
    Multifamily residential real estate $1,552
    1-4 family residential loans $109,617
    Farmland loans $12,043
    Loans held in foreign offices $0
    Farm loans $7,120
    Commercial and industrial loans $80,774
    To non-U.S. addressees $0
    Loans to individuals $33,432
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $9,499
    Other loans to individuals $23,933
    All other loans & leases $1,671
    Loans to foreign governments and official institutions $0
    Other loans $596
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $24
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,349
    Non 1-4 family restructured loans & leases $3,349
    Total loans and leases (foreign) $0

    Commercial Bank of Texas had $445,345,000 of loans outstanding in 2018. $327,788,000 of loans were in real estate loans. $39,464,000 of loans were in development loans. $1,552,000 of loans were in multifamily mortgage loans. $109,617,000 of loans were in 1-4 family mortgage loans. $7,120,000 of loans were in farm loans. $0 of loans were in credit card loans. $9,499,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 389 $73,031 $187,740
    Nonfarm, nonresidential loans - <$100k 132 $5,422 $41,076
    Nonfarm, nonresidential loans - $100-250k 111 $13,660 $123,063
    Nonfarm, nonresidential loans - $250k-1MM 146 $53,949 $369,514
    Commercial & Industrial, US addressed loans - <$1MM 865 $48,665 $56,260
    Commercial & Industrial, US addressed loans - <$100k 693 $19,059 $27,502
    Commercial & Industrial, US addressed loans - $100-250k 129 $14,871 $115,279
    Commercial & Industrial, US addressed loans - $250k-1MM 43 $14,735 $342,674
    Farmland loans - <$1MM 73 $5,948 $81,479
    Farmland loans - <$100k 48 $1,613 $33,604
    Farmland loans - $100-250k 19 $2,314 $121,789
    Farmland loans - $250k-1MM 6 $2,021 $336,833
    Agriculture operations loans - <$1MM 170 $4,947 $29,100
    Agriculture operations loans - <$100k 155 $3,063 $19,761
    Agriculture operations loans - $100-250k 14 $1,614 $115,286
    Agriculture operations loans - $250k-1MM 1 $270 $270,000