Lone Star Capital Bank Mortgage Rates, Fees & Info

San Antonio, TX

LEI: 549300YN7OQX9PTS2T45

Tax ID: 74-2903252

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Mortgage Data

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. Their top markets by origination volume include: Austin, San Antonio, Killeen, and Corpus Christi 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

39

Origination Dollar Volume (All Markets)

$29,975,000

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) 22 $19,860,000 $902,727 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 10 $6,020,000 $602,000 $0 0.00%
Outside of Metro Areas 4 $1,950,000 $487,500 $0 0.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $1,445,000 $1,445,000 $0 0.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $700,000 $350,000 $0 0.00%
Lone Star Capital Bank's top markets include Austin, San Antonio, Killeen, and Corpus Christi among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 39 $29,975,000 $768,590 $0 0.00%

    For 2022, Lone Star Capital Bank's most frequently originated type of loan was Conventional, with 39 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 33 $25,795,000 $781,667 $0 0.00%
    Home Improvement 3 $1,615,000 $538,333 $0 0.00%
    Refi 3 $2,565,000 $855,000 $0 0.00%

    For 2022, Lone Star Capital Bank's most frequently cited loan purpose was Home Purchase, with 33 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 39 $29,975,000 $768,590 $0 0.00%

    For 2022, Lone Star Capital Bank's most frequently cited loan duration was Other, with 39 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 12 $18,160,000 $1,513,333 $0 0.00%
    $200k-400k 8 $2,360,000 $295,000 $0 0.00%
    $400k-600k 7 $3,245,000 $463,571 $0 0.00%
    $600k-1MM 7 $5,485,000 $783,571 $0 0.00%
    $100k-200k 5 $725,000 $145,000 $0 0.00%

    2022 saw Lone Star Capital Bank place emphasis on $1MM+ loans with 12 originations, totaling $18,160,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 19 $21,075,000 $1,109,211 $0 0.00%
    $150k-250k 6 $2,540,000 $423,333 $0 0.00%
    $100k-150k 2 $1,200,000 $600,000 $0 0.00%
    $75k-100k 2 $790,000 $395,000 $0 0.00%
    $50k-75k 1 $205,000 $205,000 $0 0.00%

    Lone Star Capital Bank lent most frequently to those with incomes in the $250k+ range, with 19 originations. The second most popular income band? $150k-250k, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 39 $29,975,000 $768,590 $0 0.00%

    Lone Star Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 39 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 24 $20,610,000 $858,750 $0 0.00%
    Not applicable 9 $4,165,000 $462,778 $0 0.00%
    Not provided 1 $1,525,000 $1,525,000 $0 0.00%
    Asian 1 $1,445,000 $1,445,000 $0 0.00%
    Asian Indian 1 $945,000 $945,000 $0 0.00%
    Black 2 $840,000 $420,000 $0 0.00%
    Korean 1 $445,000 $445,000 $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 39 $29,975,000 $768,590

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    39 $29,975,000 $768,590