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
  • Complaints
  • 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 and Refi loans. Crockett National Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Antonio, Austin, Denver, San Angelo, and Rockport among others. We have data for 8 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 high 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% 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

    38

    Origination Dollar Volume (All Markets)

    $25,890,000

    Employee count

    65

    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) 8 $10,720,000 $1,340,000 $18,278 4.37%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 7 $5,565,000 $795,000 $12,607 4.43%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $3,325,000 $3,325,000 $5,375 4.25%
    Outside of Metro Areas 4 $3,300,000 $825,000 $12,085 4.18%
    SAN ANGELO, TX (FHA|USDA|VA) 13 $1,265,000 $97,308 $2,185 4.60%
    Rockport, TX (FHA|USDA|VA) 1 $885,000 $885,000 $11,527 4.25%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $585,000 $195,000 $4,942 4.53%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,996 4.25%
    Crockett National Bank's top markets include San Antonio, Austin, Denver, San Angelo, and Rockport among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Wyoming (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: 486
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 666
    Generations Community Federal Credit Union
    Similarity Rank: 704
    LOANFLIGHT LENDING, LLC
    Similarity Rank: 1300
    LEGACY MORTGAGE LLC
    Similarity Rank: 2108
    PRIORITY HOME MORTGAGE, L.P.
    Similarity Rank: 2144
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 2164
    Opendoor Home Loans LLC
    Similarity Rank: 2268
    HOME FINANCING UNLIMITED, INC.
    Similarity Rank: 2278
    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 2352

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 38 $25,890,000 $681,316 $10,233 4.44%

    For 2021, Crockett National Bank's most frequently originated type of loan was Conventional, with 38 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 30 $18,420,000 $614,000 $8,589 4.40%
    Refi 5 $6,225,000 $1,245,000 $19,463 4.61%
    Cash Out Refi 2 $1,120,000 $560,000 $10,684 4.38%
    Home Improvement 1 $125,000 $125,000 $0 5.00%

    For 2021, Crockett National Bank's most frequently cited loan purpose was Home Purchase, with 30 originations. The 2nd most popular reason was Refi, with 5 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 27 $18,845,000 $697,963 $8,890 4.38%
    20 Year 6 $4,500,000 $750,000 $19,036 4.55%
    Other 4 $2,420,000 $605,000 $18,221 4.56%
    15 Year 1 $125,000 $125,000 $0 5.00%

    For 2021, Crockett National Bank's most frequently cited loan duration was 30 Year, with 27 originations. The 2nd most popular length was 20 Year, with 6 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 11 $4,335,000 $394,091
    $5k+ 10 $14,650,000 $1,465,000
    $2k-3k 4 $1,480,000 $370,000
    $4k-5k 3 $2,325,000 $775,000
    $3k-4k 1 $735,000 $735,000

    Crockett National Bank's average total fees were $8,890, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 11 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 36 $24,940,000 $692,778
    3-4% 2 $950,000 $475,000

    During 2021, Crockett National Bank's average interest rate for loans was 4.38%, while their most frequently originated rate bucket for loans was 4-5%, with 36 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $600k-1MM 9 $7,395,000 $821,667 $12,957 4.39%
    $100,000 or less 8 $520,000 $65,000 $2,071 4.59%
    $100k-200k 8 $1,260,000 $157,500 $3,130 4.61%
    $1MM+ 7 $14,685,000 $2,097,857 $20,476 4.31%
    $200k-400k 4 $980,000 $245,000 $4,616 4.24%
    $400k-600k 2 $1,050,000 $525,000 $10,561 4.25%

    2021 saw Crockett National Bank place emphasis on $600k-1MM loans with 9 originations, totaling $7,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 17 $20,325,000 $1,195,588 $13,832 4.27%
    $50k or less 7 $535,000 $76,429 $2,197 4.50%
    $150k-250k 4 $2,350,000 $587,500 $17,821 4.59%
    $50k-75k 2 $250,000 $125,000 $2,690 4.63%
    $100k-150k 1 $255,000 $255,000 $5,867 4.50%

    Crockett National Bank lent most frequently to those with incomes in the $250k+ range, with 17 originations. The second most popular income band? $50k or less, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 5 $4,265,000 $853,000 $11,915 4.30%
    50-60% 5 $2,545,000 $509,000 $7,199 4.45%
    >60% 5 $6,545,000 $1,309,000 $16,289 4.39%
    20-30% 3 $1,275,000 $425,000 $6,596 4.33%
    41% 2 $300,000 $150,000 $2,391 4.35%
    30-36% 2 $3,390,000 $1,695,000 $3,732 4.50%
    36% 1 $185,000 $185,000 $3,279 4.50%
    44% 1 $245,000 $245,000 $4,996 4.25%
    46% 1 $1,475,000 $1,475,000 $24,502 4.25%
    43% 1 $885,000 $885,000 $11,527 4.25%
    37% 1 $985,000 $985,000 $17,170 4.75%
    42% 1 $715,000 $715,000 $13,058 4.50%

    Crockett National Bank lent most frequently to those with DTI ratios of <20%, with 5 originations. The next most common DTI ratio? 50-60%, with 5 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 27 $20,225,000 $749,074 $9,453 4.41%
    Not applicable 7 $2,175,000 $310,714 $13,192 4.64%
    Not provided 3 $2,015,000 $671,667 $11,370 4.33%
    American Indian 1 $1,475,000 $1,475,000 $24,502 4.25%

    Approval Rates

    Total approvals of all applications
    81.54%

    Crockett National Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    60.53%

    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 38 $25,890,000 $681,316

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    38 $25,890,000 $681,316

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 6 $1,040,000 $173,333 $3,916 4.46%
    40-60% 9 $2,725,000 $302,778 $5,650 4.48%
    60-80% 19 $20,565,000 $1,082,368 $15,677 4.35%
    80-100% 3 $1,435,000 $478,333 $12,134 4.67%
    Under 20% 1 $125,000 $125,000 $0 5.00%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Christensen Financial, Inc. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    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 $253
    Crockett National Bank 4121 State Highway 6 S, Ste 103 College Station, TX 77845 Full Service B&M $18,037
    Crockett National Bank 502 South Koenigheim, Suite 1d San Angelo, TX 76903 Full Service B&M $289,114
    Crockett National Bank 5665 Sherwood Way San Angelo, TX 76904 Full Service Retail $4,733
    Crockett National Bank 8018 Broadway Street San Antonio, TX 78209 Full Service B&M $147,129
    Crockett National Bank Highway 163 And First Street Ozona, TX 76943 Full Service B&M $85,685

    For 2021, Crockett National Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $22,568
    Net interest income $21,586
    Total noninterest income $1,783
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $353
    Trading account gains and fees $0
    Additional Noninterest Income $1,430
    Pre-tax net operating income $13,322
    Securities gains (or losses, -) $0
    Income before extraordinary items $13,322
    Discontinued Operations (Extraordinary gains, net) $21,537
    Net income of bank and minority interests $34,859
    Minority interest net income $38
    Net income $34,821
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $13,322

    Crockett National Bank's gross interest income from loans was $22,568,000.
    Crockett National Bank's net interest income from loans was $21,586,000.
    Crockett National Bank's fee based income from loans was $353,000.
    Crockett National Bank's net income from loans was $34,821,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $982
    Provision for credit losses $-1,500
    Total noninterest expense $11,547
    Salaries and employee benefits $7,422
    Premises and equipment expense $2,085
    Additional noninterest expense $2,040
    Applicable income taxes $0
    Net charge-offs $0
    Cash dividends $42,383

    Crockett National Bank's interest expense for loans was $982,000.
    Crockett National Bank's payroll and benefits expense were $7,422,000.
    Crockett National Bank's property, plant and equipment expenses $2,085,000.

    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 $515,254
    Deposits held in domestic offices $515,254
    Deposits by Individuals, partnerships, and corporations $465,151
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $50,103
    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 $229,084
    Demand deposits $166,607
    Nontransaction accounts $286,170
    Money market deposit accounts (MMDAs) $168,693
    Other savings deposits (excluding MMDAs) $38,613
    Total time deposits $78,865
    Total time and savings deposits $348,647
    Noninterest-bearing deposits $155,746
    Interest-bearing deposits $359,508
    Retail deposits $452,264
    IRAs and Keogh plan accounts $0
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $631,706
    Cash & Balances due from depository institutions $152,687
    Interest-bearing balances $147,530
    Total securities $33,993
    Federal funds sold & reverse repurchase $0
    Net loans and leases $428,506
    Loan and leases loss allowance $5,155
    Trading account assets $0
    Bank premises and fixed assets $6,084
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $10,436

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $631,706
    Total Liabilities $537,700
    Total deposits $515,254
    Interest-bearing deposits $359,508
    Deposits held in domestic offices $515,254
    % insured (estimated) $48
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $12,021
    Subordinated debt $0
    All other liabilities $10,425

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $428,506
    Loan and leases loss allowance $5,155
    Total loans and leases (domestic) $433,661
    All real estate loans $413,307
    Real estate loans in domestic offices $413,307
    Construction and development loans $54,977
    Residential 1-4 family construction $9,073
    Other construction, all land development and other land $45,904
    Loans secured by nonfarm nonresidential properties $92,295
    Nonfarm nonresidential secured by owner-occupied properties $35,255
    Commercial real estate & other non-farm, non-residential $57,040
    Multifamily residential real estate $4,148
    1-4 family residential loans $122,708
    Farmland loans $139,179
    Loans held in foreign offices $0
    Farm loans $793
    Commercial and industrial loans $19,336
    To non-U.S. addressees $0
    Loans to individuals $224
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2
    Other loans to individuals $222
    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 $428,506,000 of loans outstanding in 2021. $413,307,000 of loans were in real estate loans. $54,977,000 of loans were in development loans. $4,148,000 of loans were in multifamily mortgage loans. $122,708,000 of loans were in 1-4 family mortgage loans. $793,000 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 67 $22,333 $333,328
    Nonfarm, nonresidential loans - <$100k 5 $259 $51,800
    Nonfarm, nonresidential loans - $100-250k 17 $1,829 $107,588
    Nonfarm, nonresidential loans - $250k-1MM 45 $20,245 $449,889
    Commercial & Industrial, US addressed loans - <$1MM 44 $4,103 $93,250
    Commercial & Industrial, US addressed loans - <$100k 27 $574 $21,259
    Commercial & Industrial, US addressed loans - $100-250k 2 $180 $90,000
    Commercial & Industrial, US addressed loans - $250k-1MM 15 $3,349 $223,267
    Farmland loans - <$1MM 72 $13,471 $187,097
    Farmland loans - <$100k 14 $551 $39,357
    Farmland loans - $100-250k 24 $2,735 $113,958
    Farmland loans - $250k-1MM 34 $10,185 $299,559
    Agriculture operations loans - <$1MM 8 $480 $60,000
    Agriculture operations loans - <$100k 4 $68 $17,000
    Agriculture operations loans - $100-250k 1 $79 $79,000
    Agriculture operations loans - $250k-1MM 3 $333 $111,000