Castroville State Bank Mortgage Rates, Fees & Info

Castroville, TX

LEI: 549300RQGV5F7NXZZ089

Tax ID: 74-1327787

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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, Austin, and Stephenville 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.

    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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    Originations

    65

    Origination Dollar Volume (All Markets)

    $12,285,000

    Top 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) 62 $11,880,000 $191,613 $0 0.00%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
    Outside of Metro Areas 1 $135,000 $135,000 $0 0.00%
    Stephenville, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    Castroville State Bank's top markets include San Antonio, Austin, and Stephenville among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 65 $12,285,000 $189,000 $0 0.00%

    For 2019, Castroville State Bank's most frequently originated type of loan was Conventional, with 65 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 37 $8,895,000 $240,405 $0 0.00%
    Home Improvement 10 $900,000 $90,000 $0 0.00%
    Other 10 $1,570,000 $157,000 $0 0.00%
    Cash Out Refi 6 $670,000 $111,667 $0 0.00%
    Refi 2 $250,000 $125,000 $0 0.00%

    For 2019, Castroville State Bank's most frequently cited loan purpose was Home Purchase, with 37 originations. The 2nd most popular reason was Home Improvement, with 10 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 65 $12,285,000 $189,000 $0 0.00%

    For 2019, Castroville State Bank's most frequently cited loan duration was Other, with 65 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 29 $4,075,000 $140,517 $0 0.00%
    $200k-400k 17 $4,675,000 $275,000 $0 0.00%
    $100,000 or less 16 $970,000 $60,625 $0 0.00%
    $1MM+ 1 $1,445,000 $1,445,000 $0 0.00%
    $400k-600k 1 $495,000 $495,000 $0 0.00%
    $600k-1MM 1 $625,000 $625,000 $0 0.00%

    2019 saw Castroville State Bank place emphasis on $100k-200k loans with 29 originations, totaling $4,075,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 15 $3,015,000 $201,000 $0 0.00%
    $75k-100k 10 $1,550,000 $155,000 $0 0.00%
    $50k or less 8 $680,000 $85,000 $0 0.00%
    $150k-250k 7 $1,185,000 $169,286 $0 0.00%
    $50k-75k 6 $830,000 $138,333 $0 0.00%
    $250k+ 5 $2,695,000 $539,000 $0 0.00%

    Castroville State Bank lent most frequently to those with incomes in the $100k-150k range, with 15 originations. The second most popular income band? $75k-100k, with 10 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 65 $12,285,000 $189,000 $0 0.00%

    Castroville State Bank lent most frequently to those with DTI ratios of Exempt%, with 65 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 49 $9,855,000 $201,122 $0 0.00%
    Not applicable 14 $2,330,000 $166,429 $0 0.00%
    Not provided 2 $100,000 $50,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.64%

    Castroville State Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.54%

    Castroville State Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 65 $12,285,000 $189,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $275,000 $275,000
    Single Family (1-4 Units):Manufactured 8 $610,000 $76,250
    Single Family (1-4 Units):Site-Built 56 $11,400,000 $203,571

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    CIS DIRECT LENDING VA mortgage Struggling to pay mortgage 1 100.0%