Communitybank Of Texas N.a. Mortgage Rates, Fees & Info

Beaumont, TX

LEI: 549300Y5YUNNHUW2EQ06

Tax ID: 74-1946814

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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

    Communitybank Of Texas N.a. is a smaller bank specializing in Home Purchase loans. Communitybank Of Texas N.a. has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Beaumont, San Antonio, Austin, and Seattle among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Communitybank Of Texas N.a. 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.

    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.

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    Originations

    205

    Origination Dollar Volume (All Markets)

    $117,375,000

    Employee count

    500

    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
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 130 $87,830,000 $675,615 $0 0.00%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 53 $18,455,000 $348,208 $0 0.00%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $5,715,000 $1,905,000 $0 0.00%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $1,585,000 $528,333 $0 0.00%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $1,225,000 $1,225,000 $0 0.00%
    Outside of Metro Areas 10 $1,190,000 $119,000 $0 0.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $910,000 $455,000 $0 0.00%
    Rockport, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
    Uvalde, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
    Communitybank Of Texas N.a.'s top markets include Houston, Beaumont, San Antonio, Austin, and Seattle among others.

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

    • Similar Lenders

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

    AAXY L.L.C.
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    MEMBERS CHOICE Credit Union
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    Resource One Credit Union
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    SMART FINANCIAL CREDIT UNION
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    HIGHLAND HOMELOANS, LLC
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    TEXAS BAY
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    CAPITAL PLUS FINANCIAL, LLC
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    AMERANT BANK, NATIONAL ASSOCIATION
    Similarity Rank: 1060
    JSC
    Similarity Rank: 1296
    ADVISA MORTGAGE SERVICES, LTD.
    Similarity Rank: 1475

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 205 $117,375,000 $572,561 $0 0.00%

    For 2019, Communitybank Of Texas N.a.'s most frequently originated type of loan was Conventional, with 205 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 125 $94,915,000 $759,320 $0 0.00%
    Cash Out Refi 57 $12,935,000 $226,930 $0 0.00%
    Home Improvement 11 $465,000 $42,273 $0 0.00%
    Refi 11 $8,895,000 $808,636 $0 0.00%
    Other 1 $165,000 $165,000 $0 0.00%

    For 2019, Communitybank Of Texas N.a.'s most frequently cited loan purpose was Home Purchase, with 125 originations. The 2nd most popular reason was Cash Out Refi, with 57 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 205 $117,375,000 $572,561 $0 0.00%

    For 2019, Communitybank Of Texas N.a.'s most frequently cited loan duration was Other, with 205 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 46 $13,870,000 $301,522 $0 0.00%
    $100,000 or less 45 $2,395,000 $53,222 $0 0.00%
    $100k-200k 44 $6,520,000 $148,182 $0 0.00%
    $400k-600k 28 $13,150,000 $469,643 $0 0.00%
    $600k-1MM 22 $17,220,000 $782,727 $0 0.00%
    $1MM+ 20 $64,220,000 $3,211,000 $0 0.00%

    2019 saw Communitybank Of Texas N.a. place emphasis on $200k-400k loans with 46 originations, totaling $13,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 67 $40,055,000 $597,836 $0 0.00%
    $150k-250k 36 $11,930,000 $331,389 $0 0.00%
    $100k-150k 16 $3,590,000 $224,375 $0 0.00%
    $50k-75k 11 $895,000 $81,364 $0 0.00%
    $50k or less 10 $700,000 $70,000 $0 0.00%
    $75k-100k 9 $1,235,000 $137,222 $0 0.00%

    Communitybank Of Texas N.a. lent most frequently to those with incomes in the $250k+ range, with 67 originations. The second most popular income band? $150k-250k, with 36 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 205 $117,375,000 $572,561 $0 0.00%

    Communitybank Of Texas N.a. lent most frequently to those with DTI ratios of Exempt%, with 205 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 53 $58,835,000 $1,110,094 $0 0.00%
    White 109 $36,485,000 $334,725 $0 0.00%
    Not provided 33 $18,065,000 $547,424 $0 0.00%
    Black 5 $1,565,000 $313,000 $0 0.00%
    Asian 2 $1,420,000 $710,000 $0 0.00%
    Vietnamese 1 $515,000 $515,000 $0 0.00%
    Other Asian 2 $490,000 $245,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    82.02%

    Communitybank Of Texas N.a. has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    60.00%

    Communitybank Of Texas N.a. 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
    Exempt 205 $117,375,000 $572,561

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 17 $51,475,000 $3,027,941
    Single Family (1-4 Units):Manufactured 1 $255,000 $255,000
    Single Family (1-4 Units):Site-Built 187 $65,645,000 $351,043

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Closing on a mortgage 1 20.0%
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Trouble during payment process 3 60.0%
    COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    CommunityBank of Texas, N.A. Highway 62 East Buna, TX 77612 Full Service B&M $29,353
    CommunityBank of Texas, N.A. 100 Texas Avenue Boling, TX 77420 Full Service B&M $13,739
    CommunityBank of Texas, N.A. 10097 Katy Freeway Houston, TX 77024 Full Service B&M $15,367
    CommunityBank of Texas, N.A. 319 Rusk Newton, TX 75966 Full Service B&M $24,871
    CommunityBank of Texas, N.A. 10333 Richmond Avenue, Suite 100 Houston, TX 77042 Full Service B&M $36,536
    CommunityBank of Texas, N.A. 111 Country Lane Lumberton, TX 77657 Full Service B&M $20,952
    CommunityBank of Texas, N.A. 11550 Fuqua Street, Suite 100 Houston, TX 77034 Full Service B&M $29,598
    CommunityBank of Texas, N.A. 13909 East Freeway Houston, TX 77015 Full Service B&M $30,446
    CommunityBank of Texas, N.A. 14100 Fm 2100 Crosby, TX 77532 Full Service B&M $25,484
    CommunityBank of Texas, N.A. 14561 Nw Freeway Houston, TX 77040 Full Service B&M $60,385
    CommunityBank of Texas, N.A. 1475 N. Main Street Vidor, TX 77662 Full Service B&M $28,498
    CommunityBank of Texas, N.A. 1610 North Alabama Road Wharton, TX 77488 Full Service B&M $43,420
    CommunityBank of Texas, N.A. 1900 Research Forest Drive The Woodlands, TX 77381 Full Service B&M $16,628
    CommunityBank of Texas, N.A. 19010 W. Lake Houston Parkway Humble, TX 77346 Full Service B&M $54,160
    CommunityBank of Texas, N.A. 2008 W Hwy 365 Nederland, TX 77627 Full Service B&M $21,054
    CommunityBank of Texas, N.A. 28515 State Highway 249 Tomball, TX 77375 Full Service B&M $44,698
    CommunityBank of Texas, N.A. 3300 Edgar Brown Drive Orange, TX 77630 Full Service B&M $30,152
    CommunityBank of Texas, N.A. 3498 East Sam Houston Pkwy South Pasadena, TX 77505 Full Service B&M $201,185
    CommunityBank of Texas, N.A. 4690 Sweetwater Blvd. Sugar Land, TX 77479 Full Service B&M $178,023
    CommunityBank of Texas, N.A. 4749 Twin City Highway Port Arthur, TX 77642 Full Service B&M $149,024
    CommunityBank of Texas, N.A. 490 Park Street, Suite 105 Beaumont, TX 77701 Full Service B&M $8,727
    CommunityBank of Texas, N.A. 501 S. Magnolia Woodville, TX 75979 Full Service B&M $23,186
    CommunityBank of Texas, N.A. 5700 Garth Road Baytown, TX 77521 Full Service B&M $128,418
    CommunityBank of Texas, N.A. 5999 Delaware Street Beaumont, TX 77706 Full Service B&M $682,415
    CommunityBank of Texas, N.A. 6202 F.M. 2100 Crosby, TX 77532 Full Service B&M $127,593
    CommunityBank of Texas, N.A. 6226 Washington Avenue Houston, TX 77007 Full Service B&M $21,058
    CommunityBank of Texas, N.A. 637 South Wheeler Jasper, TX 75951 Full Service B&M $17,883
    CommunityBank of Texas, N.A. 6378 Phelan Blvd Beaumont, TX 77706 Full Service B&M $37,610
    CommunityBank of Texas, N.A. 645 North 5th Street Silsbee, TX 77656 Full Service B&M $26,310
    CommunityBank of Texas, N.A. 6461 Fm 1960 West Houston, TX 77069 Full Service B&M $154,586
    CommunityBank of Texas, N.A. 7410 Highway 105 Beaumont, TX 77713 Full Service B&M $19,443
    CommunityBank of Texas, N.A. 820 Gessner Road Houston, TX 77024 Full Service B&M $41,078
    CommunityBank of Texas, N.A. 8222 Douglas Ave, Suite 770 Dallas, TX 75225 Full Service B&M $4,021
    CommunityBank of Texas, N.A. 9 Greenway Plaza, Suite 110 Houston, TX 77046 Full Service B&M $420,815
    CommunityBank of Texas, N.A. 918 South Margaret Avenue Kirbyville, TX 75956 Full Service B&M $16,594

    For 2019, Communitybank Of Texas N.a. had 35 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $153,389
    Net interest income $136,002
    Total noninterest income $18,580
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,784
    Trading account gains and fees $0
    Additional Noninterest Income $11,796
    Pre-tax net operating income $63,361
    Securities gains (or losses, -) $49
    Income before extraordinary items $51,737
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $51,737
    Minority interest net income $0
    Net income $51,737
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $51,696

    Communitybank Of Texas N.a.'s gross interest income from loans was $153,389,000.
    Communitybank Of Texas N.a.'s net interest income from loans was $136,002,000.
    Communitybank Of Texas N.a.'s fee based income from loans was $6,784,000.
    Communitybank Of Texas N.a.'s net income from loans was $51,737,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $17,387
    Provision for credit losses $2,385
    Total noninterest expense $88,836
    Salaries and employee benefits $55,548
    Premises and equipment expense $9,506
    Additional noninterest expense $23,782
    Applicable income taxes $11,673
    Net charge-offs $798
    Cash dividends $8,900

    Communitybank Of Texas N.a.'s interest expense for loans was $17,387,000.
    Communitybank Of Texas N.a.'s payroll and benefits expense were $55,548,000.
    Communitybank Of Texas N.a.'s property, plant and equipment expenses $9,506,000.

    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 $2,896,947
    Deposits held in domestic offices $2,896,947
    Deposits by Individuals, partnerships, and corporations $2,838,567
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $56,804
    Deposits by Commercial banks and other depository institutions in U.S. $1,576
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $351,750
    Demand deposits $294,021
    Nontransaction accounts $2,545,197
    Money market deposit accounts (MMDAs) $805,942
    Other savings deposits (excluding MMDAs) $1,339,597
    Total time deposits $399,659
    Total time and savings deposits $2,602,926
    Noninterest-bearing deposits $294,450
    Interest-bearing deposits $2,602,497
    Retail deposits $2,658,546
    IRAs and Keogh plan accounts $24,116
    Brokered deposits $128,948
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,478,802
    Cash & Balances due from depository institutions $372,064
    Interest-bearing balances $321,089
    Total securities $231,262
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,615,268
    Loan and leases loss allowance $25,280
    Trading account assets $0
    Bank premises and fixed assets $63,799
    Other real estate owned $0
    Goodwill and other intangibles $85,888
    All other assets $110,521

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,478,802
    Total Liabilities $2,984,851
    Total deposits $2,896,947
    Interest-bearing deposits $2,602,497
    Deposits held in domestic offices $2,896,947
    % insured (estimated) $46
    Federal funds purchased and repurchase agreements $484
    Trading liabilities $0
    Other borrowed funds $65,704
    Subordinated debt $0
    All other liabilities $21,716

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,615,268
    Loan and leases loss allowance $25,280
    Total loans and leases (domestic) $2,640,548
    All real estate loans $1,981,157
    Real estate loans in domestic offices $1,981,157
    Construction and development loans $524,616
    Residential 1-4 family construction $66,016
    Other construction, all land development and other land $458,600
    Loans secured by nonfarm nonresidential properties $895,188
    Nonfarm nonresidential secured by owner-occupied properties $360,407
    Commercial real estate & other non-farm, non-residential $534,781
    Multifamily residential real estate $275,461
    1-4 family residential loans $281,448
    Farmland loans $4,444
    Loans held in foreign offices $0
    Farm loans $9,836
    Commercial and industrial loans $526,422
    To non-U.S. addressees $0
    Loans to individuals $36,833
    Credit card loans $0
    Related Plans $19,707
    Consumer Auto Loans $2,881
    Other loans to individuals $14,245
    All other loans & leases $86,300
    Loans to foreign governments and official institutions $0
    Other loans $86,143
    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 $8,068
    Non 1-4 family restructured loans & leases $8,014
    Total loans and leases (foreign) $0

    CommunityBank of Texas N.A. had $2,615,268,000 of loans outstanding in 2019. $1,981,157,000 of loans were in real estate loans. $524,616,000 of loans were in development loans. $275,461,000 of loans were in multifamily mortgage loans. $281,448,000 of loans were in 1-4 family mortgage loans. $9,836,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,881,000 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 464 $124,634 $268,608
    Nonfarm, nonresidential loans - <$100k 48 $2,034 $42,375
    Nonfarm, nonresidential loans - $100-250k 130 $15,871 $122,085
    Nonfarm, nonresidential loans - $250k-1MM 286 $106,729 $373,178
    Commercial & Industrial, US addressed loans - <$1MM 1,440 $137,777 $95,678
    Commercial & Industrial, US addressed loans - <$100k 787 $19,806 $25,166
    Commercial & Industrial, US addressed loans - $100-250k 328 $30,859 $94,082
    Commercial & Industrial, US addressed loans - $250k-1MM 325 $87,112 $268,037
    Farmland loans - <$1MM 14 $2,300 $164,286
    Farmland loans - <$100k 4 $153 $38,250
    Farmland loans - $100-250k 4 $325 $81,250
    Farmland loans - $250k-1MM 6 $1,822 $303,667
    Agriculture operations loans - <$1MM 91 $4,282 $47,055
    Agriculture operations loans - <$100k 70 $1,746 $24,943
    Agriculture operations loans - $100-250k 19 $1,596 $84,000
    Agriculture operations loans - $250k-1MM 2 $940 $470,000