Castroville State Bank Mortgage Rates, Fees & Info
Castroville, TXLEI: 549300RQGV5F7NXZZ089
Tax ID: 74-1327787
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Castroville State Bank is a smaller bank specializing in Home Purchase loans. Castroville State Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Antonio, Dallas, and Brownsville among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Castroville 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.
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Originations
69Origination Dollar Volume (All Markets)
$19,115,000Top 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 |
|---|---|---|---|---|---|
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 64 | $16,830,000 | $262,969 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $850,000 | $425,000 | $0 | 0.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 69 | $19,115,000 | $277,029 | $0 | 0.00% |
For 2023, Castroville State Bank's most frequently originated type of loan was Conventional, with 69 originations.
Loan Reason
For 2023, Castroville State Bank's most frequently cited loan purpose was Home Purchase, with 34 originations. The 2nd most popular reason was Cash Out Refi, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 69 | $19,115,000 | $277,029 | $0 | 0.00% |
For 2023, Castroville State Bank's most frequently cited loan duration was Other, with 69 originations.
Loan Sizing
2023 saw Castroville State Bank place emphasis on $100k-200k loans with 29 originations, totaling $4,075,000 in origination value.
Applicant Income
Castroville State Bank lent most frequently to those with incomes in the $150k-250k range, with 21 originations. The second most popular income band? $100k-150k, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 69 | $19,115,000 | $277,029 | $0 | 0.00% |
Castroville State Bank lent most frequently to those with DTI ratios of Exempt%, with 69 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.20%
Castroville State Bank has a below average approval rate.
Pick Rate
Approvals leading to origination56.52%
Castroville State 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 | 69 | $19,115,000 | $277,029 |