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 and Refi loans. Austin County State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Dallas, Brenham, College Station, and Stephenville 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. They have an above average pick rate when compared to similar lenders.
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Originations
49Origination Dollar Volume (All Markets)
$12,015,000Top 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) | 34 | $7,370,000 | $216,765 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $2,450,000 | $306,250 | $0 | 0.00% |
| Brenham, TX (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 0.00% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 49 | $12,015,000 | $245,204 | $0 | 0.00% |
For 2019, Austin County State Bank's most frequently originated type of loan was Conventional, with 49 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 38 | $7,990,000 | $210,263 | $0 | 0.00% |
| Refi | 9 | $3,765,000 | $418,333 | $0 | 0.00% |
| Home Improvement | 2 | $260,000 | $130,000 | $0 | 0.00% |
For 2019, Austin County State Bank's most frequently cited loan purpose was Home Purchase, with 38 originations. The 2nd most popular reason was Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 49 | $12,015,000 | $245,204 | $0 | 0.00% |
For 2019, Austin County State Bank's most frequently cited loan duration was Other, with 49 originations.
Loan Sizing
2019 saw Austin County State Bank place emphasis on $100k-200k loans with 20 originations, totaling $2,810,000 in origination value.
Applicant Income
Austin County State Bank lent most frequently to those with incomes in the $100k-150k range, with 10 originations. The second most popular income band? $50k or less, with 8 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 49 | $12,015,000 | $245,204 | $0 | 0.00% |
Austin County State Bank lent most frequently to those with DTI ratios of Exempt%, with 49 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.11%
Austin County State Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination93.88%
Austin County State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 49 | $12,015,000 | $245,204 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Academy Mortgage Corporation | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 33.3% |
| Academy Mortgage Corporation | Conventional home mortgage | Trouble during payment process | 3 | 25.0% |
| Academy Mortgage Corporation | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 25.0% |
| Academy Mortgage Corporation | FHA mortgage | Closing on a mortgage | 1 | 8.3% |
| Academy Mortgage Corporation | FHA mortgage | Trouble during payment process | 1 | 8.3% |