# Austin Bank, Texas National Association

> **Canonical URL:** https://saferate.com/lenders/austin-bank-texas-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Austin Bank, Texas National Association is a bank, headquartered in Jacksonville, TX, with 336 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008R64K2UUN2NP30
- **Headquarters:** Jacksonville, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.690%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,239
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 336
- **Dollar Volume:** $115 million
- **Applications Received:** 564
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $342,292
- **Average Borrower Income:** $209,595
- **Average Property Value:** $453,155

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 311 | +0.705% | $1,116 | Strong 😀 |
| Jumbo | 66/100 | 24 | +0.516% | $3,791 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 263 loans, Score: 63/100 (Strong)
- Refinance: 48 loans, Score: 43/100 (Sound)

**Jumbo:**
- Purchase: 23 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 287 | $106M | +0.610% | Strong 😀 |
| Refinance | 40/100 | 49 | $9M | +0.988% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 336 | 0.10% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 174 | 65/100 |
| Tyler, TX | TX | 70 | 86/100 |
| Longview, TX | TX | 57 | 78/100 |
| Houston | TX | 27 | 51/100 |

## Where This Lender Ranks

Austin Bank, Texas National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Tyler, TX for Jumbo Loans
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Tyler, TX for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Longview, TX Banks
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/banks)
- 🏆 **#6** in Tyler, TX Banks
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/banks)
- 🏆 **#9** in Longview, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Tyler, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Austin Bank, Texas National Association offer?

Austin Bank, Texas National Association offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Austin Bank, Texas National Association offer mortgages?

Austin Bank, Texas National Association offers mortgages in 1 states: TX.

### How competitive are Austin Bank, Texas National Association's mortgage rates?

Austin Bank, Texas National Association has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.690% above market average.

### What type of lender is Austin Bank, Texas National Association?

Austin Bank, Texas National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Jacksonville, TX.

### What is Austin Bank, Texas National Association's loan approval success rate?

Austin Bank, Texas National Association has a pull-through score of 37/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/austin-bank-texas-national-association

### How to Cite

> "Austin Bank, Texas National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/austin-bank-texas-national-association

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