# Extraco Banks, National Association

> **Canonical URL:** https://saferate.com/lenders/extraco-banks-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


Extraco Banks, National Association is a bank, headquartered in Temple, TX, serving borrowers across 6 states, with 313 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300F7S6KEMTKK0546
- **Headquarters:** Temple, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AR, IA, IL, NV, SC, TX
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.062%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,180
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 313
- **Dollar Volume:** $127 million
- **Applications Received:** 421
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $407,173
- **Average Borrower Income:** $214,297
- **Average Property Value:** $503,658

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Jumbo Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 222 | +0.106% | $1,038 | Strong 😀 |
| FHA | 57/100 | 24 | +0.246% | $2,189 | Sound ☺️ |
| VA | 65/100 | 41 | -0.324% | $1,822 | Strong 😀 |
| Jumbo | 67/100 | 26 | -0.003% | $662 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 194 loans, Score: 61/100 (Strong)
- Refinance: 28 loans, Score: 48/100 (Sound)

**FHA:**
- Purchase: 24 loans, Score: 56/100 (Sound)

**VA:**
- Purchase: 40 loans, Score: 65/100 (Strong)

**Jumbo:**
- Purchase: 24 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 282 | $119M | +0.039% | Sound ☺️ |
| Refinance | 50/100 | 31 | $8M | +0.253% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 308 | 0.09% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Killeen | TX | 120 | 83/100 |
| College Station | TX | 60 | 85/100 |
| Corpus Christi, TX | TX | 37 | 64/100 |
| Waco, TX | TX | 27 | 63/100 |
| Austin | TX | 17 | 49/100 |
| Non |  | 13 | 25/100 |
| Houston | TX | 10 | 40/100 |

## Where This Lender Ranks

Extraco Banks, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Killeen for Jumbo Loans
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in College Station Banks
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks)
- 🥇 **#1** in College Station for Jumbo Loans
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in College Station for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Killeen Banks
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/banks)
- 🥈 **#2** in Killeen for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in College Station
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders)
- 🥈 **#2** in Corpus Christi, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in College Station for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Corpus Christi, TX Banks
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks)
- 🥉 **#3** in Waco, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Killeen for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Corpus Christi, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Waco, TX Banks
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/banks)
- 🏆 **#5** in Killeen
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders)
- 🏆 **#5** in College Station for Conventional Loans
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Corpus Christi, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Killeen for Conventional Loans
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Waco, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Waco, TX
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Extraco Banks, National Association offer?

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

### Where does Extraco Banks, National Association offer mortgages?

Extraco Banks, National Association offers mortgages in 6 states: AR, IA, IL, NV, SC, TX.

### How competitive are Extraco Banks, National Association's mortgage rates?

Extraco Banks, National Association has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.062% above market average.

### What type of lender is Extraco Banks, National Association?

Extraco Banks, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Temple, TX.

### What is Extraco Banks, National Association's loan approval success rate?

Extraco Banks, National Association has a pull-through score of 69/100 (Strong). 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/extraco-banks-national-association

### How to Cite

> "Extraco Banks, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/extraco-banks-national-association

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