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

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  • 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, College Station, Dallas, and San Angelo among others. We have data for 12 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 a low 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 about average 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% 4/28/24
    30 Year Conventional Refi 7.47% 4/28/24
    30 Year Cash-out Refi 7.39% 4/28/24
    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

    64

    Origination Dollar Volume (All Markets)

    $20,990,000

    Employee count

    332

    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) 17 $6,605,000 $388,529 $4,839 5.04%
    Outside of Metro Areas 5 $3,785,000 $757,000 $7,202 4.94%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 11 $3,365,000 $305,909 $7,023 4.85%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $1,880,000 $470,000 $8,602 5.29%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $1,840,000 $460,000 $5,518 5.05%
    SAN ANGELO, TX (FHA|USDA|VA) 16 $1,720,000 $107,500 $1,995 5.03%
    Fredericksburg, TX (FHA|USDA|VA) 2 $550,000 $275,000 $5,374 5.13%
    Durango, CO (FHA|USDA|VA) 1 $315,000 $315,000 $0 5.00%
    Huntsville, TX (FHA|USDA|VA) 1 $305,000 $305,000 $2,070 4.25%
    Brownwood, TX (FHA|USDA|VA) 1 $305,000 $305,000 $5,659 5.50%
    Del Rio, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,593 4.75%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.25%
    Crockett National Bank's top markets include San Antonio, Austin, College Station, Dallas, and San Angelo among others.

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

    AAXY L.L.C.
    Similarity Rank: 192
    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 220
    LEGACY MORTGAGE LLC
    Similarity Rank: 260
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 501
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 756
    HIGHLAND HOMELOANS, LLC
    Similarity Rank: 846
    CAPSTAR LENDING, LLC
    Similarity Rank: 1648
    CORNERSTONE MORTGAGE PARTNERS OF TEXAS, L.P.
    Similarity Rank: 1675
    First Financial Bank
    Similarity Rank: 1711
    PRIORITY HOME MORTGAGE, L.P.
    Similarity Rank: 1736

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 64 $20,990,000 $327,969 $4,828 5.01%

    For 2019, Crockett National Bank's most frequently originated type of loan was Conventional, with 64 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 50 $15,260,000 $305,200 $4,951 4.97%
    Refi 8 $3,780,000 $472,500 $4,192 5.16%
    Home Improvement 3 $785,000 $261,667 $3,890 5.07%
    Cash Out Refi 3 $1,165,000 $388,333 $5,951 5.17%

    For 2019, Crockett National Bank's most frequently cited loan purpose was Home Purchase, with 50 originations. The 2nd most popular reason was Refi, with 8 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 42 $14,770,000 $351,667 $4,714 5.03%
    20 Year 13 $2,445,000 $188,077 $4,786 5.06%
    Other 6 $3,150,000 $525,000 $10,367 4.70%
    15 Year 1 $285,000 $285,000 $3,329 4.50%
    3 Year 1 $65,000 $65,000 $0 4.75%
    5 Year 1 $275,000 $275,000 $0 6.00%

    For 2019, Crockett National Bank's most frequently cited loan duration was 30 Year, with 42 originations. The 2nd most popular length was 20 Year, with 13 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 23 $9,945,000 $432,391
    $1k-2k 10 $2,540,000 $254,000
    $2k-3k 2 $440,000 $220,000
    $3k-4k 1 $325,000 $325,000
    $4k-5k 1 $415,000 $415,000
    $5k+ 1 $875,000 $875,000

    Crockett National Bank's average total fees were $4,714, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 23 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 39 $13,085,000 $335,513
    5-6% 25 $7,905,000 $316,200

    During 2019, Crockett National Bank's average interest rate for loans was 5.03%, while their most frequently originated rate bucket for loans was 4-5%, with 39 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 21 $5,625,000 $267,857 $4,513 5.12%
    $100k-200k 16 $2,270,000 $141,875 $3,275 4.94%
    $100,000 or less 13 $905,000 $69,615 $1,800 5.04%
    $1MM+ 6 $7,000,000 $1,166,667 $8,793 4.68%
    $400k-600k 4 $1,800,000 $450,000 $6,104 4.99%
    $600k-1MM 4 $3,390,000 $847,500 $9,490 5.13%

    2019 saw Crockett National Bank place emphasis on $200k-400k loans with 21 originations, totaling $5,625,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 25 $12,835,000 $513,400 $6,772 4.98%
    $50k or less 10 $1,280,000 $128,000 $2,904 5.05%
    $100k-150k 8 $2,100,000 $262,500 $4,624 5.01%
    $50k-75k 4 $650,000 $162,500 $3,421 4.81%
    $75k-100k 4 $730,000 $182,500 $4,089 5.13%
    $150k-250k 3 $655,000 $218,333 $4,484 5.23%

    Crockett National Bank lent most frequently to those with incomes in the $250k+ range, with 25 originations. The second most popular income band? $50k or less, with 10 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    >60% 9 $2,805,000 $311,667 $4,835 4.83%
    <20% 7 $3,595,000 $513,571 $6,346 4.85%
    20-30% 6 $3,130,000 $521,667 $5,069 5.08%
    50-60% 4 $1,410,000 $352,500 $4,948 5.25%
    30-36% 3 $475,000 $158,333 $2,968 5.25%
    44% 3 $1,055,000 $351,667 $4,121 4.90%
    36% 2 $250,000 $125,000 $3,108 4.85%
    39% 1 $65,000 $65,000 $1,972 4.75%
    48% 1 $495,000 $495,000 $5,450 4.50%
    37% 1 $1,195,000 $1,195,000 $8,602 5.15%
    38% 1 $65,000 $65,000 $1,815 5.75%

    Crockett National Bank lent most frequently to those with DTI ratios of >60%, with 9 originations. The next most common DTI ratio? <20%, with 7 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 48 $16,180,000 $337,083 $4,916 5.00%
    Not applicable 10 $2,740,000 $274,000 $0 5.00%
    Not provided 5 $2,005,000 $401,000 $4,883 4.94%
    Asian 1 $65,000 $65,000 $1,755 5.75%

    Approval Rates

    Total approvals of all applications
    87.83%

    Crockett National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    42.19%

    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 64 $20,990,000 $327,969

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 3 $385,000 $128,333
    Single Family (1-4 Units):Site-Built 61 $20,605,000 $337,787

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 6 $1,250,000 $208,333 $4,120 5.29%
    40-60% 13 $2,295,000 $176,538 $2,921 5.08%
    60-80% 37 $14,985,000 $405,000 $5,865 4.93%
    80-100% 8 $2,460,000 $307,500 $4,635 5.04%

    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 $251
    Crockett National Bank 4121 State Hwy 6 South, Suite 103 College Station, TX 77845 Full Service B&M $10,504
    Crockett National Bank 502 South Koenigheim, Suite 1d San Angelo, TX 76903 Full Service B&M $322,096
    Crockett National Bank 5665 Sherwood Way San Angelo, TX 76904 Full Service Retail $3,559
    Crockett National Bank 8018 Broadway Street San Antonio, TX 78209 Full Service B&M $50,801
    Crockett National Bank Highway 163 And First Street Ozona, TX 76943 Full Service B&M $61,097

    For 2019, Crockett National Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $31,660
    Net interest income $25,489
    Total noninterest income $61,714
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $561
    Trading account gains and fees $0
    Additional Noninterest Income $61,153
    Pre-tax net operating income $23,646
    Securities gains (or losses, -) $0
    Income before extraordinary items $23,646
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $23,646
    Minority interest net income $6,442
    Net income $17,204
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $23,646

    Crockett National Bank's gross interest income from loans was $31,660,000.
    Crockett National Bank's net interest income from loans was $25,489,000.
    Crockett National Bank's fee based income from loans was $561,000.
    Crockett National Bank's net income from loans was $17,204,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,171
    Provision for credit losses $78
    Total noninterest expense $63,479
    Salaries and employee benefits $45,620
    Premises and equipment expense $7,303
    Additional noninterest expense $10,556
    Applicable income taxes $0
    Net charge-offs $26
    Cash dividends $10,634

    Crockett National Bank's interest expense for loans was $6,171,000.
    Crockett National Bank's payroll and benefits expense were $45,620,000.
    Crockett National Bank's property, plant and equipment expenses $7,303,000.

    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 $443,818
    Deposits held in domestic offices $443,818
    Deposits by Individuals, partnerships, and corporations $409,464
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $34,354
    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 $149,637
    Demand deposits $104,913
    Nontransaction accounts $294,181
    Money market deposit accounts (MMDAs) $139,685
    Other savings deposits (excluding MMDAs) $27,936
    Total time deposits $126,559
    Total time and savings deposits $338,905
    Noninterest-bearing deposits $98,370
    Interest-bearing deposits $345,448
    Retail deposits $376,130
    IRAs and Keogh plan accounts $1,573
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $661,362
    Cash & Balances due from depository institutions $51,172
    Interest-bearing balances $26,470
    Total securities $18,167
    Federal funds sold & reverse repurchase $0
    Net loans and leases $563,842
    Loan and leases loss allowance $7,575
    Trading account assets $0
    Bank premises and fixed assets $11,980
    Other real estate owned $0
    Goodwill and other intangibles $7,825
    All other assets $8,376

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $661,362
    Total Liabilities $561,996
    Total deposits $443,818
    Interest-bearing deposits $345,448
    Deposits held in domestic offices $443,818
    % insured (estimated) $59
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $109,487
    Subordinated debt $0
    All other liabilities $8,691

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $563,842
    Loan and leases loss allowance $7,575
    Total loans and leases (domestic) $571,417
    All real estate loans $545,528
    Real estate loans in domestic offices $545,528
    Construction and development loans $70,267
    Residential 1-4 family construction $8,564
    Other construction, all land development and other land $61,703
    Loans secured by nonfarm nonresidential properties $132,206
    Nonfarm nonresidential secured by owner-occupied properties $42,209
    Commercial real estate & other non-farm, non-residential $89,997
    Multifamily residential real estate $6,414
    1-4 family residential loans $195,659
    Farmland loans $140,982
    Loans held in foreign offices $0
    Farm loans $2,567
    Commercial and industrial loans $22,827
    To non-U.S. addressees $0
    Loans to individuals $494
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $494
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Crockett National Bank had $563,842,000 of loans outstanding in 2019. $545,528,000 of loans were in real estate loans. $70,267,000 of loans were in development loans. $6,414,000 of loans were in multifamily mortgage loans. $195,659,000 of loans were in 1-4 family mortgage loans. $2,567,000 of loans were in farm loans. $0 of loans were in credit card loans. $0 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 73 $27,105 $371,301
    Nonfarm, nonresidential loans - <$100k 6 $311 $51,833
    Nonfarm, nonresidential loans - $100-250k 11 $1,290 $117,273
    Nonfarm, nonresidential loans - $250k-1MM 56 $25,504 $455,429
    Commercial & Industrial, US addressed loans - <$1MM 47 $8,482 $180,468
    Commercial & Industrial, US addressed loans - <$100k 22 $632 $28,727
    Commercial & Industrial, US addressed loans - $100-250k 4 $536 $134,000
    Commercial & Industrial, US addressed loans - $250k-1MM 21 $7,314 $348,286
    Farmland loans - <$1MM 98 $17,497 $178,541
    Farmland loans - <$100k 23 $828 $36,000
    Farmland loans - $100-250k 36 $4,098 $113,833
    Farmland loans - $250k-1MM 39 $12,571 $322,333
    Agriculture operations loans - <$1MM 13 $1,336 $102,769
    Agriculture operations loans - <$100k 6 $307 $51,167
    Agriculture operations loans - $100-250k 3 $160 $53,333
    Agriculture operations loans - $250k-1MM 4 $869 $217,250