Crockett National Bank Mortgage Rates, Fees & Info
San Antonio, TXLEI: 549300TJWSU1V4GWUL60
Tax ID: 75-1827912
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Mortgage Data
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, San Angelo, Dallas, College Station, and Corpus Christi among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Crockett National Bank has an above 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 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
34Origination Dollar Volume (All Markets)
$14,470,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 10 | $6,000,000 | $600,000 | $7,059 | 5.45% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 11 | $5,385,000 | $489,545 | $8,138 | 5.11% |
| SAN ANGELO, TX (FHA|USDA|VA) | 9 | $1,215,000 | $135,000 | $3,227 | 4.68% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $13,290 | 5.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $11,668 | 6.95% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 4.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.75% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 34 | $14,470,000 | $425,588 | $6,411 | 5.19% |
For 2022, Crockett National Bank's most frequently originated type of loan was Conventional, with 34 originations.
Loan Reason
For 2022, Crockett National Bank's most frequently cited loan purpose was Home Purchase, with 31 originations. The 2nd most popular reason was Refi, with 2 originations.
Loan Duration/Length
For 2022, Crockett National Bank's most frequently cited loan duration was 30 Year, with 18 originations. The 2nd most popular length was 20 Year, with 8 originations.
Origination Fees/Closing Costs
Crockett National Bank's average total fees were $5,459, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 8 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 15 | $7,925,000 | $528,333 |
| 4-5% | 11 | $3,145,000 | $285,909 |
| 3-4% | 4 | $1,850,000 | $462,500 |
| 6-7% | 4 | $1,550,000 | $387,500 |
During 2022, Crockett National Bank's average interest rate for loans was 5.03%, while their most frequently originated rate bucket for loans was 5-6%, with 15 originations.
Loan Sizing
2022 saw Crockett National Bank place emphasis on $200k-400k loans with 16 originations, totaling $4,690,000 in origination value.
Applicant Income
Crockett National Bank lent most frequently to those with incomes in the $250k+ range, with 11 originations. The second most popular income band? $50k or less, with 5 originations.
Applicant Debt to Income Ratio
Crockett National Bank lent most frequently to those with DTI ratios of 50-60%, with 3 originations. The next most common DTI ratio? 20-30%, with 3 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.16%
Crockett National Bank has an average approval rate.
Pick Rate
Approvals leading to origination61.76%
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 | 34 | $14,470,000 | $425,588 |