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

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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 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.

    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.

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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