Bth Bank Mortgage Rates, Fees & Info
Quitman, TXLEI: 549300U852CO3ZPGIE54
Tax ID: 75-0510713
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Mortgage Data
Review & Overview
Bth Bank is a smaller bank specializing in Home Purchase loans. Bth Bank has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Tyler, Longview, Houston, and Charleston among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)Bth Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Bth 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 | 6.81% | 4/28/24 |
| 30 Year Conventional Refi | 6.49% | 4/28/24 |
| 30 Year Cash-out Refi | 7.04% | 4/28/24 |
| 15 Year Conventional Refi | 6.28% | 4/28/24 |
| 15 Year Cash-out Refi | 6.28% | 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. | ||
Bth Bank Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
180Origination Dollar Volume (All Markets)
$105,440,000Awards
BTH Bank - 2022
BTH Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 77 | $61,615,000 | $800,195 | $6,745 | 4.60% |
| TYLER, TX (FHA|USDA|VA) | 33 | $16,385,000 | $496,515 | $4,211 | 4.41% |
| LONGVIEW, TX (FHA|USDA|VA) | 30 | $9,230,000 | $307,667 | $2,891 | 4.53% |
| Outside of Metro Areas | 22 | $6,590,000 | $299,545 | $3,107 | 4.45% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $2,120,000 | $1,060,000 | $15,130 | 4.94% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $1,875,000 | $1,875,000 | $8,309 | 4.13% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,860,000 | $930,000 | $7,169 | 3.75% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $5,666 | 5.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $0 | 4.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $7,105 | 5.38% |
| Athens, TX (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $2,886 | 4.29% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 3.75% |
| Oxford, MS (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 5.25% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,874 | 5.38% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $550 | 4.38% |
| Paris, TX (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 4.13% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against BTH 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 | 180 | $105,440,000 | $585,778 | $4,993 | 4.52% |
For 2022, Bth Bank's most frequently originated type of loan was Conventional, with 180 originations.
Loan Reason
For 2022, Bth Bank's most frequently cited loan purpose was Home Purchase, with 109 originations. The 2nd most popular reason was Refi, with 42 originations.
Loan Duration/Length
For 2022, Bth Bank's most frequently cited loan duration was Other, with 131 originations. The 2nd most popular length was 30 Year, with 22 originations.
Origination Fees/Closing Costs
Bth Bank's average total fees were $5,201, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 85 originations.
Interest Rates
During 2022, Bth Bank's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 82 originations.
Loan Sizing
2022 saw Bth Bank place emphasis on $200k-400k loans with 45 originations, totaling $14,005,000 in origination value.
Applicant Income
Bth Bank lent most frequently to those with incomes in the $250k+ range, with 54 originations. The second most popular income band? $150k-250k, with 25 originations.
Applicant Debt to Income Ratio
Bth Bank lent most frequently to those with DTI ratios of 20-30%, with 36 originations. The next most common DTI ratio? 30-36%, with 16 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.48%
Bth Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.67%
Bth Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 180 | $105,440,000 | $585,778 |