Lone Star Capital Bank Mortgage Rates, Fees & Info

San Antonio, TX

LEI: 549300YN7OQX9PTS2T45

Tax ID: 74-2903252

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

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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

    Lone Star Capital Bank is a smaller bank specializing in Home Purchase loans. Lone Star Capital Bank has a high proportion of conventional loans. Lone Star Capital Bank has a high proportion of conventional loans. Their top markets by origination volume include: Austin, San Antonio, Dallas, Tuscaloosa, and Fredericksburg among others. We have data for 7 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. They have an above 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    21

    Origination Dollar Volume (All Markets)

    $10,215,000

    Employee count

    66

    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 $4,985,000 $712,143 $14,641 5.21%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $3,305,000 $472,143 $9,425 5.12%
    Outside of Metro Areas 2 $770,000 $385,000 $5,536 5.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $650,000 $325,000 $0 5.50%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
    Fredericksburg, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
    Lone Star Capital Bank's top markets include Austin, San Antonio, Dallas, Tuscaloosa, and Fredericksburg among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 15 $6,035,000 $402,333 $9,804 5.17%
    Conventional 6 $4,180,000 $696,667 $0 0.00%

    For 2018, Lone Star Capital Bank's most frequently originated type of loan was Conventional, with 15 originations. Their 2nd most popular type was Conventional, with 6 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 14 $8,090,000 $577,857 $11,511 5.09%
    Refi 4 $1,190,000 $297,500 $1,091 5.50%
    Cash Out Refi 2 $910,000 $455,000 $9,982 5.00%
    Home Improvement 1 $25,000 $25,000 $0 5.25%

    For 2018, Lone Star Capital Bank's most frequently cited loan purpose was Home Purchase, with 14 originations. The 2nd most popular reason was Refi, with 4 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 14 $8,360,000 $597,143 $10,181 5.04%
    5 Year 5 $1,315,000 $263,000 $16,633 5.29%
    10 Year 1 $505,000 $505,000 $0 5.50%
    15 Year 1 $35,000 $35,000 $1,091 5.25%

    For 2018, Lone Star Capital Bank's most frequently cited loan duration was Other, with 14 originations. The 2nd most popular length was 5 Year, with 5 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 4 $2,800,000 $700,000
    $<1k 2 $370,000 $185,000
    $3k-4k 1 $735,000 $735,000

    Lone Star Capital Bank's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 4 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 9 $2,715,000 $301,667
    4-5% 6 $3,320,000 $553,333

    During 2018, Lone Star Capital Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 9 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5 $1,585,000 $317,000 $4,523 5.33%
    $600k-1MM 5 $3,665,000 $733,000 $11,596 4.90%
    $100,000 or less 3 $155,000 $51,667 $1,091 5.17%
    $100k-200k 3 $475,000 $158,333 $0 5.38%
    $400k-600k 3 $1,605,000 $535,000 $16,633 5.23%
    $1MM+ 2 $2,730,000 $1,365,000 $0 0.00%

    2018 saw Lone Star Capital Bank place emphasis on $200k-400k loans with 5 originations, totaling $1,585,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 11 $7,335,000 $666,818 $10,684 4.97%
    $150k-250k 4 $1,010,000 $252,500 $4,523 5.25%

    Lone Star Capital Bank lent most frequently to those with incomes in the $250k+ range, with 11 originations. The second most popular income band? $150k-250k, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 6 $4,180,000 $696,667 $0 0.00%
    <20% 4 $1,810,000 $452,500 $9,051 4.91%
    30-36% 3 $1,175,000 $391,667 $9,390 5.32%
    36% 2 $780,000 $390,000 $7,726 5.00%
    20-30% 1 $555,000 $555,000 $16,633 4.95%

    Lone Star Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 6 originations. The next most common DTI ratio? <20%, with 4 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 15 $8,345,000 $556,333 $9,804 5.06%
    Not applicable 6 $1,870,000 $311,667 $0 5.40%

    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
    95.24%

    Lone Star Capital Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 6 $4,180,000 $696,667
    NA 15 $6,035,000 $402,333

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 21 $10,215,000 $486,429

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    60-80% 10 $4,040,000 $404,000 $9,425 5.22%
    80-100% 3 $1,935,000 $645,000 $13,088 4.95%
    Under 20% 2 $60,000 $30,000 $1,091 5.25%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    LoanStar Home Lending FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Lone Star Capital Bank, National Association 1001 Highway 1431 West Marble Falls, TX 78654 Full Service B&M $40,691
    Lone Star Capital Bank, National Association 1108 Main St Blanco, TX 78606 Full Service B&M $15,407
    Lone Star Capital Bank, National Association 150 North Loop 1604 East San Antonio, TX 78232 Full Service B&M $92,228
    Lone Star Capital Bank, National Association 401 E. Highway 290 West Dripping Springs, TX 78620 Full Service B&M $21,104
    Lone Star Capital Bank, National Association 403 Us Highways 281 And 290 South Johnson City, TX 78636 Full Service B&M $17,872
    Lone Star Capital Bank, National Association 420 North Weidner Road San Antonio, TX 78233 Full Service B&M $14,595
    Lone Star Capital Bank, National Association 755 E Mulberry Ste 400 San Antonio, TX 78212 Full Service B&M $1,431

    For 2018, Lone Star Capital Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $9,591
    Net interest income $8,700
    Total noninterest income $989
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $394
    Trading account gains and fees $0
    Additional Noninterest Income $595
    Pre-tax net operating income $1,501
    Securities gains (or losses, -) $7
    Income before extraordinary items $1,276
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,276
    Minority interest net income $0
    Net income $1,276
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,270

    Lone Star Capital Bank's gross interest income from loans was $9,591,000.
    Lone Star Capital Bank's net interest income from loans was $8,700,000.
    Lone Star Capital Bank's fee based income from loans was $394,000.
    Lone Star Capital Bank's net income from loans was $1,276,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $891
    Provision for credit losses $0
    Total noninterest expense $8,188
    Salaries and employee benefits $4,749
    Premises and equipment expense $1,277
    Additional noninterest expense $2,162
    Applicable income taxes $232
    Net charge-offs $-24
    Cash dividends $0

    Lone Star Capital Bank's interest expense for loans was $891,000.
    Lone Star Capital Bank's payroll and benefits expense were $4,749,000.
    Lone Star Capital Bank's property, plant and equipment expenses $1,277,000.

    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 1.0%
    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 $203,192
    Deposits held in domestic offices $203,192
    Deposits by Individuals, partnerships, and corporations $202,658
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $278
    Deposits by Commercial banks and other depository institutions in U.S. $257
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $113,449
    Demand deposits $56,160
    Nontransaction accounts $89,744
    Money market deposit accounts (MMDAs) $37,317
    Other savings deposits (excluding MMDAs) $15,624
    Total time deposits $36,803
    Total time and savings deposits $147,033
    Noninterest-bearing deposits $56,160
    Interest-bearing deposits $147,032
    Retail deposits $184,973
    IRAs and Keogh plan accounts $2,475
    Brokered deposits $7,924
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $243,431
    Cash & Balances due from depository institutions $17,891
    Interest-bearing balances $13,507
    Total securities $32,605
    Federal funds sold & reverse repurchase $0
    Net loans and leases $169,092
    Loan and leases loss allowance $1,973
    Trading account assets $0
    Bank premises and fixed assets $8,930
    Other real estate owned $0
    Goodwill and other intangibles $7,971
    All other assets $6,942

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $243,431
    Total Liabilities $209,865
    Total deposits $203,192
    Interest-bearing deposits $147,032
    Deposits held in domestic offices $203,192
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $1,087
    Trading liabilities $0
    Other borrowed funds $4,000
    Subordinated debt $0
    All other liabilities $1,586

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $169,092
    Loan and leases loss allowance $1,973
    Total loans and leases (domestic) $171,065
    All real estate loans $138,314
    Real estate loans in domestic offices $138,314
    Construction and development loans $29,536
    Residential 1-4 family construction $18,782
    Other construction, all land development and other land $10,754
    Loans secured by nonfarm nonresidential properties $58,934
    Nonfarm nonresidential secured by owner-occupied properties $16,010
    Commercial real estate & other non-farm, non-residential $42,924
    Multifamily residential real estate $6,053
    1-4 family residential loans $39,057
    Farmland loans $4,734
    Loans held in foreign offices $0
    Farm loans $494
    Commercial and industrial loans $23,056
    To non-U.S. addressees $0
    Loans to individuals $3,218
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $687
    Other loans to individuals $2,531
    All other loans & leases $6,047
    Loans to foreign governments and official institutions $0
    Other loans $27
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Lone Star Capital Bank had $169,092,000 of loans outstanding in 2018. $138,314,000 of loans were in real estate loans. $29,536,000 of loans were in development loans. $6,053,000 of loans were in multifamily mortgage loans. $39,057,000 of loans were in 1-4 family mortgage loans. $494,000 of loans were in farm loans. $0 of loans were in credit card loans. $687,000 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 86 $22,815 $265,291
    Nonfarm, nonresidential loans - <$100k 11 $386 $35,091
    Nonfarm, nonresidential loans - $100-250k 23 $3,219 $139,957
    Nonfarm, nonresidential loans - $250k-1MM 52 $19,210 $369,423
    Commercial & Industrial, US addressed loans - <$1MM 139 $12,821 $92,237
    Commercial & Industrial, US addressed loans - <$100k 89 $2,673 $30,034
    Commercial & Industrial, US addressed loans - $100-250k 28 $2,774 $99,071
    Commercial & Industrial, US addressed loans - $250k-1MM 22 $7,374 $335,182
    Farmland loans - <$1MM 9 $1,674 $186,000
    Farmland loans - <$100k 4 $132 $33,000
    Farmland loans - $100-250k 2 $350 $175,000
    Farmland loans - $250k-1MM 3 $1,192 $397,333
    Agriculture operations loans - <$1MM 12 $494 $41,167
    Agriculture operations loans - <$100k 10 $218 $21,800
    Agriculture operations loans - $100-250k 1 $12 $12,000
    Agriculture operations loans - $250k-1MM 1 $264 $264,000