Austin County State Bank Mortgage Rates, Fees & Info
BELLVILLE, TXLEI: 549300QVGNXYT00KCW22
Tax ID: 20-8449925
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Austin County State Bank is a smaller bank specializing in Home Purchase loans. Austin County State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Dallas, College Station, Bay City, and Austin among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Austin County State Bank has an above average approval rate when compared to the average across all lenders.
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Originations
38Origination Dollar Volume (All Markets)
$9,230,000Top 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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 20 | $3,480,000 | $174,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $2,980,000 | $372,500 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $1,685,000 | $337,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 0.00% |
| Bay City, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 38 | $9,230,000 | $242,895 | $0 | 0.00% |
For 2018, Austin County State Bank's most frequently originated type of loan was Conventional, with 38 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 34 | $7,820,000 | $230,000 | $0 | 0.00% |
| Refi | 4 | $1,410,000 | $352,500 | $0 | 0.00% |
For 2018, Austin County State Bank's most frequently cited loan purpose was Home Purchase, with 34 originations. The 2nd most popular reason was Refi, with 4 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 38 | $9,230,000 | $242,895 | $0 | 0.00% |
For 2018, Austin County State Bank's most frequently cited loan duration was Other, with 38 originations.
Loan Sizing
2018 saw Austin County State Bank place emphasis on $200k-400k loans with 16 originations, totaling $4,460,000 in origination value.
Applicant Income
Austin County State Bank lent most frequently to those with incomes in the $150k-250k range, with 9 originations. The second most popular income band? $100k-150k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 38 | $9,230,000 | $242,895 | $0 | 0.00% |
Austin County State Bank lent most frequently to those with DTI ratios of Exempt%, with 38 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 26 | $5,140,000 | $197,692 | $0 | 0.00% |
| Not applicable | 12 | $4,090,000 | $340,833 | $0 | 0.00% |
Approval Rates
Total approvals of all applications95.00%
Austin County State Bank has an average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 38 | $9,230,000 | $242,895 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Academy Mortgage Corporation | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 37.5% |
| Academy Mortgage Corporation | Conventional home mortgage | Closing on a mortgage | 1 | 12.5% |
| Academy Mortgage Corporation | Conventional home mortgage | Struggling to pay mortgage | 1 | 12.5% |
| Academy Mortgage Corporation | FHA mortgage | Closing on a mortgage | 1 | 12.5% |
| Academy Mortgage Corporation | FHA mortgage | Trouble during payment process | 1 | 12.5% |
| Academy Mortgage Corporation | Other type of mortgage | Trouble during payment process | 1 | 12.5% |