Crockett National Bank Mortgage Rates, Fees & Info

San Antonio, TX

LEI: 549300TJWSU1V4GWUL60

Tax ID: 75-1827912

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

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

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Crockett National Bank is a smaller bank specializing in Home Purchase loans. Crockett National Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Antonio, Austin, Dallas, College Station, and San Angelo among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Crockett National 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. Crockett National Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.31% 11/22/24
    30 Year Conventional Refi 7.47% 11/22/24
    30 Year Cash-out Refi 7.39% 11/22/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Crockett National Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Crockett National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    95

    Origination Dollar Volume (All Markets)

    $33,935,000

    Employee count

    381

    Awards

    Crockett National Bank 30 Year Conventional Loans gold
    Show all (1) awards

    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) 23 $9,045,000 $393,261 $6,572 5.35%
    Outside of Metro Areas 11 $5,315,000 $483,182 $8,609 5.35%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 14 $4,770,000 $340,714 $7,157 5.33%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $3,780,000 $630,000 $10,946 5.33%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 10 $3,480,000 $348,000 $3,789 5.16%
    SAN ANGELO, TX (FHA|USDA|VA) 23 $3,405,000 $148,043 $2,575 5.26%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $1,565,000 $521,667 $8,551 5.42%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $1,185,000 $1,185,000 $0 6.00%
    Fredericksburg, TX (FHA|USDA|VA) 2 $730,000 $365,000 $8,446 5.48%
    Lufkin, TX (FHA|USDA|VA) 1 $505,000 $505,000 $15,099 5.75%
    Stephenville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,898 5.25%
    Crockett National Bank's top markets include San Antonio, Austin, Dallas, College Station, and San Angelo among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Crockett National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 86
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 432
    HIGHLAND HOMELOANS, LLC
    Similarity Rank: 456
    LEGACY MORTGAGE LLC
    Similarity Rank: 594
    CRESTMARK MORTGAGE COMPANY, LTD.
    Similarity Rank: 912
    PRIORITY HOME MORTGAGE, L.P.
    Similarity Rank: 955
    First Commercial Bank
    Similarity Rank: 1122
    Generations Community Federal Credit Union
    Similarity Rank: 1133
    First Financial Bank
    Similarity Rank: 1539
    BROOKHOLLOW MORTGAGE SERVICES, LTD
    Similarity Rank: 1548

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 95 $33,935,000 $357,211 $6,231 5.32%

    For 2018, Crockett National Bank's most frequently originated type of loan was Conventional, with 95 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 81 $27,425,000 $338,580 $6,432 5.30%
    Refi 9 $4,395,000 $488,333 $5,126 5.41%
    Cash Out Refi 3 $1,695,000 $565,000 $6,520 5.50%
    Home Improvement 1 $205,000 $205,000 $2,278 4.95%
    Other 1 $215,000 $215,000 $5,522 5.50%

    For 2018, Crockett National Bank's most frequently cited loan purpose was Home Purchase, with 81 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
    30 Year 68 $23,250,000 $341,912 $6,030 5.29%
    20 Year 16 $6,440,000 $402,500 $5,911 5.36%
    15 Year 8 $2,400,000 $300,000 $0 5.52%
    Other 2 $550,000 $275,000 $9,040 5.10%
    1 Year 1 $1,295,000 $1,295,000 $15,940 5.25%

    For 2018, Crockett National Bank's most frequently cited loan duration was 30 Year, with 68 originations. The 2nd most popular length was 20 Year, with 16 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 24 $4,850,000 $202,083
    $3k-4k 10 $4,490,000 $449,000
    $1k-2k 9 $2,685,000 $298,333
    $4k-5k 7 $3,775,000 $539,286
    $5k+ 7 $5,945,000 $849,286
    $2k-3k 6 $1,620,000 $270,000

    Crockett National Bank's average total fees were $6,030, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 24 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 62 $22,980,000 $370,645
    4-5% 32 $10,470,000 $327,188
    6-7% 1 $485,000 $485,000

    During 2018, Crockett National Bank's average interest rate for loans was 5.29%, while their most frequently originated rate bucket for loans was 5-6%, with 62 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 27 $8,125,000 $300,926 $5,988 5.35%
    $100k-200k 20 $2,970,000 $148,500 $3,007 5.22%
    $400k-600k 18 $8,910,000 $495,000 $8,612 5.45%
    $100,000 or less 17 $1,215,000 $71,471 $2,126 5.19%
    $600k-1MM 7 $5,685,000 $812,143 $8,975 5.32%
    $1MM+ 6 $7,030,000 $1,171,667 $15,424 5.46%

    2018 saw Crockett National Bank place emphasis on $200k-400k loans with 27 originations, totaling $8,125,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 21 $10,315,000 $491,190 $8,824 5.26%
    $50k or less 17 $2,155,000 $126,765 $3,086 5.11%
    $150k-250k 15 $7,295,000 $486,333 $7,653 5.40%
    $100k-150k 8 $2,610,000 $326,250 $6,947 5.26%
    $50k-75k 6 $1,330,000 $221,667 $4,365 5.41%
    $75k-100k 5 $965,000 $193,000 $5,007 5.45%

    Crockett National Bank lent most frequently to those with incomes in the $250k+ range, with 21 originations. The second most popular income band? $50k or less, with 17 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    >60% 15 $6,535,000 $435,667 $5,943 5.44%
    20-30% 9 $3,595,000 $399,444 $6,529 5.18%
    <20% 9 $3,785,000 $420,556 $7,159 5.24%
    50-60% 9 $3,415,000 $379,444 $6,288 5.23%
    30-36% 6 $1,570,000 $261,667 $6,482 5.28%
    37% 5 $1,095,000 $219,000 $5,447 5.08%
    36% 3 $2,125,000 $708,333 $9,704 5.42%
    43% 2 $270,000 $135,000 $3,228 5.10%
    45% 1 $415,000 $415,000 $8,446 5.50%
    46% 1 $355,000 $355,000 $7,704 5.50%
    47% 1 $65,000 $65,000 $1,769 4.95%
    42% 1 $65,000 $65,000 $1,764 5.75%
    38% 1 $75,000 $75,000 $2,258 5.25%

    Crockett National Bank lent most frequently to those with DTI ratios of >60%, with 15 originations. The next most common DTI ratio? 20-30%, with 9 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 68 $23,530,000 $346,029 $6,264 5.28%
    Not applicable 22 $8,980,000 $408,182 $0 5.43%
    Not provided 4 $1,270,000 $317,500 $5,573 5.50%
    Black 1 $155,000 $155,000 $0 4.95%

    Approval Rates

    Total approvals of all applications
    85.63%

    Crockett National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    55.79%

    Crockett National 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
    NA 95 $33,935,000 $357,211

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 6 $3,240,000 $540,000
    Single Family (1-4 Units):Site-Built 89 $30,695,000 $344,888

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 3 $1,705,000 $568,333 $6,575 5.58%
    40-60% 24 $6,570,000 $273,750 $4,895 5.29%
    60-80% 49 $18,555,000 $378,673 $7,096 5.33%
    80-100% 15 $5,275,000 $351,667 $5,353 5.22%
    Over 100% 2 $1,470,000 $735,000 $10,902 5.50%
    Under 20% 2 $360,000 $180,000 $0 5.63%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Crockett National Bank 3503 Paesanos Parkway San Antonio, TX 78231 Full Service B&M $0
    Crockett National Bank 502 South Koenigheim, Suite 1d San Angelo, TX 76903 Full Service B&M $364,721
    Crockett National Bank 5665 Sherwood Way San Angelo, TX 76904 Full Service Retail $3,513
    Crockett National Bank 8018 Broadway Street San Antonio, TX 78209 Full Service B&M $34,866
    Crockett National Bank Highway 163 And First Street Ozona, TX 76943 Full Service B&M $62,215

    For 2018, Crockett National Bank had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $30,244
    Net interest income $23,756
    Total noninterest income $58,588
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $578
    Trading account gains and fees $0
    Additional Noninterest Income $58,010
    Pre-tax net operating income $16,480
    Securities gains (or losses, -) $0
    Income before extraordinary items $16,480
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $16,480
    Minority interest net income $2,732
    Net income $13,748
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $16,480

    Crockett National Bank's gross interest income from loans was $30,244,000.
    Crockett National Bank's net interest income from loans was $23,756,000.
    Crockett National Bank's fee based income from loans was $578,000.
    Crockett National Bank's net income from loans was $13,748,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,488
    Provision for credit losses $734
    Total noninterest expense $65,130
    Salaries and employee benefits $48,609
    Premises and equipment expense $7,941
    Additional noninterest expense $8,580
    Applicable income taxes $0
    Net charge-offs $-11
    Cash dividends $7,605

    Crockett National Bank's interest expense for loans was $6,488,000.
    Crockett National Bank's payroll and benefits expense were $48,609,000.
    Crockett National Bank's property, plant and equipment expenses $7,941,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $490,531
    Deposits held in domestic offices $490,531
    Deposits by Individuals, partnerships, and corporations $455,113
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $35,417
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $135,041
    Demand deposits $90,415
    Nontransaction accounts $355,489
    Money market deposit accounts (MMDAs) $181,661
    Other savings deposits (excluding MMDAs) $25,556
    Total time deposits $148,272
    Total time and savings deposits $400,115
    Noninterest-bearing deposits $88,968
    Interest-bearing deposits $401,563
    Retail deposits $401,387
    IRAs and Keogh plan accounts $2,205
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $643,198
    Cash & Balances due from depository institutions $42,837
    Interest-bearing balances $32,147
    Total securities $18,924
    Federal funds sold & reverse repurchase $0
    Net loans and leases $553,465
    Loan and leases loss allowance $7,524
    Trading account assets $0
    Bank premises and fixed assets $13,142
    Other real estate owned $0
    Goodwill and other intangibles $7,825
    All other assets $7,005

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $643,198
    Total Liabilities $550,134
    Total deposits $490,531
    Interest-bearing deposits $401,563
    Deposits held in domestic offices $490,531
    % insured (estimated) $52
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $51,971
    Subordinated debt $0
    All other liabilities $7,632

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $553,465
    Loan and leases loss allowance $7,524
    Total loans and leases (domestic) $560,989
    All real estate loans $531,445
    Real estate loans in domestic offices $531,445
    Construction and development loans $71,666
    Residential 1-4 family construction $7,462
    Other construction, all land development and other land $64,204
    Loans secured by nonfarm nonresidential properties $107,351
    Nonfarm nonresidential secured by owner-occupied properties $31,805
    Commercial real estate & other non-farm, non-residential $75,546
    Multifamily residential real estate $9,451
    1-4 family residential loans $185,627
    Farmland loans $157,350
    Loans held in foreign offices $0
    Farm loans $2,045
    Commercial and industrial loans $26,873
    To non-U.S. addressees $0
    Loans to individuals $626
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2
    Other loans to individuals $624
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,979
    Non 1-4 family restructured loans & leases $1,979
    Total loans and leases (foreign) $0

    Crockett National Bank had $553,465,000 of loans outstanding in 2018. $531,445,000 of loans were in real estate loans. $71,666,000 of loans were in development loans. $9,451,000 of loans were in multifamily mortgage loans. $185,627,000 of loans were in 1-4 family mortgage loans. $2,045,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 64 $22,274 $348,031
    Nonfarm, nonresidential loans - <$100k 8 $392 $49,000
    Nonfarm, nonresidential loans - $100-250k 11 $1,387 $126,091
    Nonfarm, nonresidential loans - $250k-1MM 45 $20,495 $455,444
    Commercial & Industrial, US addressed loans - <$1MM 37 $7,511 $203,000
    Commercial & Industrial, US addressed loans - <$100k 14 $455 $32,500
    Commercial & Industrial, US addressed loans - $100-250k 7 $853 $121,857
    Commercial & Industrial, US addressed loans - $250k-1MM 16 $6,203 $387,688
    Farmland loans - <$1MM 106 $17,931 $169,160
    Farmland loans - <$100k 24 $820 $34,167
    Farmland loans - $100-250k 43 $5,514 $128,233
    Farmland loans - $250k-1MM 39 $11,597 $297,359
    Agriculture operations loans - <$1MM 16 $1,272 $79,500
    Agriculture operations loans - <$100k 8 $311 $38,875
    Agriculture operations loans - $100-250k 3 $74 $24,667
    Agriculture operations loans - $250k-1MM 5 $887 $177,400