Lone Star Capital Bank Mortgage Rates, Fees & Info

San Antonio, TX

LEI: 549300YN7OQX9PTS2T45

Tax ID: 74-2903252

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Lone Star Capital Bank is a smaller bank specializing in Home Purchase and Refi loans. Lone Star Capital Bank has a high proportion of conventional loans. Their top two markets are Austin and San Antonio .

    Lone Star Capital Bank has an above average approval rate when compared to the average across all lenders.

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    Originations

    13

    Origination Dollar Volume (All Markets)

    $9,625,000

    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
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 7 $5,975,000 $853,571 $0 0.00%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $2,940,000 $1,470,000 $0 0.00%
    Outside of Metro Areas 4 $710,000 $177,500 $0 0.00%
    Lone Star Capital Bank's top markets include Austin and San Antonio among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 13 $9,625,000 $740,385 $0 0.00%

    For 2024, Lone Star Capital Bank's most frequently originated type of loan was Conventional, with 13 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 10 $6,610,000 $661,000 $0 0.00%
    Refi 2 $2,390,000 $1,195,000 $0 0.00%
    Cash Out Refi 1 $625,000 $625,000 $0 0.00%

    For 2024, Lone Star Capital Bank's most frequently cited loan purpose was Home Purchase, with 10 originations. The 2nd most popular reason was Refi, with 2 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 13 $9,625,000 $740,385 $0 0.00%

    For 2024, Lone Star Capital Bank's most frequently cited loan duration was Other, with 13 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 3 $495,000 $165,000 $0 0.00%
    $1MM+ 3 $6,125,000 $2,041,667 $0 0.00%
    $200k-400k 3 $885,000 $295,000 $0 0.00%
    $600k-1MM 3 $2,045,000 $681,667 $0 0.00%
    $100,000 or less 1 $75,000 $75,000 $0 0.00%

    2024 saw Lone Star Capital Bank place emphasis on $100k-200k loans with 3 originations, totaling $495,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 4 $1,600,000 $400,000 $0 0.00%
    $250k+ 4 $6,930,000 $1,732,500 $0 0.00%
    $100k-150k 2 $520,000 $260,000 $0 0.00%
    $75k-100k 2 $310,000 $155,000 $0 0.00%
    $50k-75k 1 $265,000 $265,000 $0 0.00%

    Lone Star Capital Bank lent most frequently to those with incomes in the $150k-250k range, with 4 originations. The second most popular income band? $250k+, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 13 $9,625,000 $740,385 $0 0.00%

    Lone Star Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 13 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10 $8,930,000 $893,000 $0 0.00%
    Not provided 3 $695,000 $231,667 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    Lone Star Capital 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 origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 13 $9,625,000 $740,385

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    13 $9,625,000 $740,385