Pecos County State Bank Mortgage Rates, Fees & Info

Fort Stockton, TX

LEI: 549300M6F8O82D8W2395

Tax ID: 74-0828200

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Pecos County State Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Pecos County State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Austin, Houston, San Angelo, and Pecos among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Pecos County 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.

    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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    Originations

    69

    Origination Dollar Volume (All Markets)

    $5,655,000

    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
    Outside of Metro Areas 63 $4,945,000 $78,492 $0 0.00%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $465,000 $155,000 $0 0.00%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    SAN ANGELO, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
    Pecos, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    Pecos County State Bank's top markets include Austin, Houston, San Angelo, and Pecos among others.

    Their top states include:
  • Texas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 69 $5,655,000 $81,957 $0 0.00%

    For 2019, Pecos County State Bank's most frequently originated type of loan was Conventional, with 69 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 23 $2,155,000 $93,696 $0 0.00%
    Cash Out Refi 18 $1,500,000 $83,333 $0 0.00%
    Other 14 $1,010,000 $72,143 $0 0.00%
    Home Improvement 7 $335,000 $47,857 $0 0.00%
    Refi 7 $655,000 $93,571 $0 0.00%

    For 2019, Pecos County State Bank's most frequently cited loan purpose was Home Purchase, with 23 originations. The 2nd most popular reason was Cash Out Refi, with 18 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 69 $5,655,000 $81,957 $0 0.00%

    For 2019, Pecos County State Bank's most frequently cited loan duration was Other, with 69 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 50 $2,680,000 $53,600 $0 0.00%
    $100k-200k 17 $2,345,000 $137,941 $0 0.00%
    $200k-400k 2 $630,000 $315,000 $0 0.00%

    2019 saw Pecos County State Bank place emphasis on $100,000 or less loans with 50 originations, totaling $2,680,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 17 $835,000 $49,118 $0 0.00%
    $50k-75k 15 $865,000 $57,667 $0 0.00%
    $100k-150k 13 $1,195,000 $91,923 $0 0.00%
    $150k-250k 8 $1,000,000 $125,000 $0 0.00%
    $75k-100k 7 $715,000 $102,143 $0 0.00%
    $250k+ 1 $155,000 $155,000 $0 0.00%

    Pecos County State Bank lent most frequently to those with incomes in the $50k or less range, with 17 originations. The second most popular income band? $50k-75k, with 15 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 69 $5,655,000 $81,957 $0 0.00%

    Pecos County State Bank lent most frequently to those with DTI ratios of Exempt%, with 69 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 65 $5,085,000 $78,231 $0 0.00%
    Not applicable 4 $570,000 $142,500 $0 0.00%

    Approval Rates

    Total approvals of all applications
    84.16%

    Pecos County State Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    78.26%

    Pecos County State Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 69 $5,655,000 $81,957

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 18 $980,000 $54,444
    Single Family (1-4 Units):Site-Built 51 $4,675,000 $91,667