# Commercial Bank of Texas, National Association

> **Canonical URL:** https://saferate.com/lenders/commercial-bank-of-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


Commercial Bank of Texas, National Association is a bank, headquartered in Nacogdoches, TX, serving borrowers across 6 states, with 275 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300M16XETIG2Z5N24
- **Headquarters:** Nacogdoches, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, KS, MD, OK, PA, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.7%
- **Brokered/Wholesale:** 0.3%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.517%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,326
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 275
- **Dollar Volume:** $75 million
- **Applications Received:** 364
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $272,273
- **Average Borrower Income:** $142,625
- **Average Property Value:** $388,782

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 232 | +0.607% | $1,359 | Acceptable 🙂 |
| FHA | 54/100 | 31 | +0.159% | $1,061 | Sound ☺️ |
| VA | 55/100 | 12 | -0.381% | $1,417 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 208 loans, Score: 39/100 (Acceptable)
- Refinance: 24 loans, Score: 33/100 (Acceptable)

**FHA:**
- Purchase: 31 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 249 | $68M | +0.493% | Acceptable 🙂 |
| Refinance | 30/100 | 26 | $7M | +0.735% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 270 | 0.08% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 227 | 70/100 |
| Dallas | TX | 14 | 44/100 |
| Fort Worth | TX | 12 | 44/100 |

## Frequently Asked Questions

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

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

### Where does Commercial Bank of Texas, National Association offer mortgages?

Commercial Bank of Texas, National Association offers mortgages in 6 states: FL, KS, MD, OK, PA, TX.

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

Commercial Bank of Texas, National Association has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.517% above market average.

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

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

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

Commercial Bank of Texas, National Association has a pull-through score of 53/100 (Sound). 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/commercial-bank-of-texas-national-association

### How to Cite

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

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