Bandera Bank Mortgage Rates, Fees & Info
BANDERA, TXLEI: 549300SP0WF5J8HGAC84
Tax ID: 74-2414594
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Bandera Bank is a smaller bank specializing in Refi and Home Purchase loans. Bandera Bank has a high proportion of conventional loans. Their top two markets are San Antonio and Corpus Christi .Bandera 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
21Origination Dollar Volume (All Markets)
$4,155,000Top 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) | 20 | $3,550,000 | $177,500 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 21 | $4,155,000 | $197,857 | $0 | 0.00% |
For 2023, Bandera Bank's most frequently originated type of loan was Conventional, with 21 originations.
Loan Reason
For 2023, Bandera Bank's most frequently cited loan purpose was Refi, with 9 originations. The 2nd most popular reason was Home Purchase, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 21 | $4,155,000 | $197,857 | $0 | 0.00% |
For 2023, Bandera Bank's most frequently cited loan duration was Other, with 21 originations.
Loan Sizing
2023 saw Bandera Bank place emphasis on $100k-200k loans with 8 originations, totaling $1,040,000 in origination value.
Applicant Income
Bandera Bank lent most frequently to those with incomes in the $50k-75k range, with 6 originations. The second most popular income band? $100k-150k, with 4 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 21 | $4,155,000 | $197,857 | $0 | 0.00% |
Bandera Bank lent most frequently to those with DTI ratios of Exempt%, with 21 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications72.73%
Bandera Bank has a below average approval rate.
Pick Rate
Approvals leading to origination85.71%
Bandera Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 21 | $4,155,000 | $197,857 |