Lone Star Capital Bank Mortgage Rates, Fees & Info
San Antonio, TXLEI: 549300YN7OQX9PTS2T45
Tax ID: 74-2903252
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Lone Star Capital Bank is a smaller bank specializing in Home Purchase and Home Improvement loans. Lone Star Capital Bank has a high proportion of conventional loans. Their top markets by origination volume include: Austin, San Antonio, Corpus Christi, and Killeen among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Lone Star Capital Bank has an above average approval rate when compared to the average across all lenders.
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Originations
25Origination Dollar Volume (All Markets)
$18,605,000Top 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 |
|---|---|---|---|---|---|
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $8,620,000 | $862,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $5,195,000 | $742,143 | $0 | 0.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $2,770,000 | $692,500 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $1,905,000 | $635,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 25 | $18,605,000 | $744,200 | $0 | 0.00% |
For 2023, Lone Star Capital Bank's most frequently originated type of loan was Conventional, with 25 originations.
Loan Reason
For 2023, Lone Star Capital Bank's most frequently cited loan purpose was Home Purchase, with 17 originations. The 2nd most popular reason was Home Improvement, with 3 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 25 | $18,605,000 | $744,200 | $0 | 0.00% |
For 2023, Lone Star Capital Bank's most frequently cited loan duration was Other, with 25 originations.
Loan Sizing
2023 saw Lone Star Capital Bank place emphasis on $1MM+ loans with 7 originations, totaling $9,905,000 in origination value.
Applicant Income
Lone Star Capital Bank lent most frequently to those with incomes in the $250k+ range, with 15 originations. The second most popular income band? $150k-250k, with 3 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 25 | $18,605,000 | $744,200 | $0 | 0.00% |
Lone Star Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 25 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
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 originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 25 | $18,605,000 | $744,200 |