Texas Hill Country Bank Mortgage Rates, Fees & Info
BANDERA, TXLEI: 549300P4P14Y3SHHUE92
Tax ID: 26-4233470
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Mortgage Data
Review & Overview
Texas Hill Country Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Texas Hill Country Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kerrville, San Antonio, and Fredericksburg among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Texas Hill Country 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.
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Originations
44Origination Dollar Volume (All Markets)
$9,350,000Top 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 |
---|---|---|---|---|---|
Kerrville, TX (FHA|USDA|VA) | 30 | $6,540,000 | $218,000 | $0 | 0.00% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $1,600,000 | $133,333 | $0 | 0.00% |
Outside of Metro Areas | 1 | $965,000 | $965,000 | $0 | 0.00% |
Fredericksburg, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 44 | $9,350,000 | $212,500 | $0 | 0.00% |
For 2019, Texas Hill Country Bank's most frequently originated type of loan was Conventional, with 44 originations.
Loan Reason
Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Home Purchase | 34 | $7,170,000 | $210,882 | $0 | 0.00% |
Cash Out Refi | 9 | $1,915,000 | $212,778 | $0 | 0.00% |
Refi | 1 | $265,000 | $265,000 | $0 | 0.00% |
For 2019, Texas Hill Country Bank's most frequently cited loan purpose was Home Purchase, with 34 originations. The 2nd most popular reason was Cash Out Refi, with 9 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Other | 44 | $9,350,000 | $212,500 | $0 | 0.00% |
For 2019, Texas Hill Country Bank's most frequently cited loan duration was Other, with 44 originations.
Loan Sizing
2019 saw Texas Hill Country Bank place emphasis on $100k-200k loans with 19 originations, totaling $2,635,000 in origination value.
Applicant Income
Texas Hill Country Bank lent most frequently to those with incomes in the $50k or less range, with 12 originations. The second most popular income band? $50k-75k, with 5 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Exempt% | 44 | $9,350,000 | $212,500 | $0 | 0.00% |
Texas Hill Country Bank lent most frequently to those with DTI ratios of Exempt%, with 44 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.81%
Texas Hill Country Bank has a below average approval rate.
Pick Rate
Approvals leading to origination47.73%
Texas Hill Country Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
Exempt | 44 | $9,350,000 | $212,500 |