Barton Creek Lending Group Mortgage Rates, Fees & InfoAUSTIN, TX
Tax ID: 20-1399886
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
Review & OverviewBarton Creek Lending Group is a smaller mortgage company specializing in Home Purchase and Refi loans. Barton Creek Lending Group has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Austin, Dallas, Houston, San Antonio, and Killeen among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)
Barton Creek Lending Group has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Barton Creek Lending Group 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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|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.47%||3/19/23|
|30 Year Conventional Refi||6.30%||3/19/23|
|30 Year Cash-out Refi||6.59%||3/19/23|
|30 Year VA Purchase||6.15%||3/19/23|
|30 Year VA Refi||5.87%||3/19/23|
|30 Year USDA Purchase||6.97%||3/19/23|
|30 Year USDA Refi||6.20%||3/19/23|
|15 Year Conventional Purchase||5.86%||3/19/23|
|15 Year Conventional Refi||5.80%||3/19/23|
|15 Year Cash-out Refi||5.80%||3/19/23|
|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.|
Origination Dollar Volume (All Markets)$368,645,000
Barton Creek Lending Group's average 30 year fixed mortgage rate was
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.11%.
Relative Fees (Closing Costs)
Barton Creek Lending Group's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,142.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
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|
|AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA)||842||$285,080,000||$338,575||$6,283||2.97%|
|Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)||115||$31,565,000||$274,478||$4,844||2.87%|
|HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA)||64||$17,150,000||$267,969||$4,671||2.88%|
|SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA)||52||$12,670,000||$243,654||$5,188||3.05%|
|Outside of Metro Areas||30||$8,810,000||$293,667||$5,650||3.04%|
|KILLEEN-TEMPLE, TX (FHA|USDA|VA)||17||$3,755,000||$220,882||$4,708||3.01%|
|COLLEGE STATION-BRYAN, TX (FHA|USDA|VA)||13||$2,755,000||$211,923||$5,081||3.04%|
|WACO, TX (FHA|USDA|VA)||6||$1,720,000||$286,667||$5,192||2.96%|
|CORPUS CHRISTI, TX (FHA|USDA|VA)||5||$1,335,000||$267,000||$4,681||2.83%|
|Rockport, TX (FHA|USDA|VA)||2||$560,000||$280,000||$4,507||3.25%|
|TYLER, TX (FHA|USDA|VA)||1||$505,000||$505,000||$7,801||3.25%|
|LUBBOCK, TX (FHA|USDA|VA)||2||$460,000||$230,000||$4,345||2.99%|
|EL PASO, TX (FHA|USDA|VA)||1||$385,000||$385,000||$7,882||2.88%|
|SHERMAN-DENISON, TX (FHA|USDA|VA)||1||$385,000||$385,000||$7,578||2.63%|
|Granbury, TX (FHA|USDA|VA)||1||$375,000||$375,000||$6,097||2.13%|
|BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA)||1||$295,000||$295,000||$5,106||3.13%|
|AMARILLO, TX (FHA|USDA|VA)||1||$245,000||$245,000||$3,288||2.38%|
|Bay City, TX (FHA|USDA|VA)||1||$225,000||$225,000||$3,269||3.50%|
|MIDLAND, TX (FHA|USDA|VA)||1||$215,000||$215,000||$3,000||2.88%|
|LONGVIEW, TX (FHA|USDA|VA)||1||$155,000||$155,000||$3,576||3.13%|
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2021, Barton Creek Lending Group's most frequently originated type of loan was Conventional, with 1,108 originations. Their 2nd most popular type was VA, with 45 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||220||$72,230,000||$328,318||$5,807||3.12%|
For 2021, Barton Creek Lending Group's most frequently cited loan purpose was Home Purchase, with 526 originations. The 2nd most popular reason was Refi, with 411 originations.
For 2021, Barton Creek Lending Group's most frequently cited loan duration was 30 Year, with 993 originations. The 2nd most popular length was 15 Year, with 114 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Barton Creek Lending Group's average total fees were $6,142, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 861 originations.
|Loan Rate||Originations||Total Value||Average Loan|
During 2021, Barton Creek Lending Group's average interest rate for loans was 3.04%, while their most frequently originated rate bucket for loans was 2.5-3%, with 548 originations.
2021 saw Barton Creek Lending Group place emphasis on $200k-400k loans with 653 originations, totaling $188,695,000 in origination value.
Barton Creek Lending Group lent most frequently to those with incomes in the $150k-250k range, with 308 originations. The second most popular income band? $100k-150k, with 305 originations.
Applicant Debt to Income Ratio
Barton Creek Lending Group lent most frequently to those with DTI ratios of 20-30%, with 286 originations. The next most common DTI ratio? 30-36%, with 222 originations.
Approval RatesTotal approvals of all applications
Barton Creek Lending Group has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
Barton Creek Lending Group has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|