# Jefferson Bank

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


> **📋 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


Jefferson Bank is a bank, headquartered in San Antonio, TX, with 287 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RXHLK3XT6SD946
- **Headquarters:** San Antonio, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.182%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,709
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 287
- **Dollar Volume:** $121 million
- **Applications Received:** 385
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $420,749
- **Average Borrower Income:** $208,704
- **Average Property Value:** $585,941

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 217 | +0.246% | $2,522 | Sound ☺️ |
| FHA | 53/100 | 22 | -0.019% | $1,837 | Sound ☺️ |
| VA | 58/100 | 17 | -0.656% | $1,791 | Sound ☺️ |
| Jumbo | 73/100 | 31 | +0.439% | $5,897 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 174 loans, Score: 49/100 (Sound)
- Refinance: 43 loans, Score: 49/100 (Sound)

**FHA:**
- Purchase: 22 loans, Score: 53/100 (Sound)

**Jumbo:**
- Purchase: 26 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 239 | $103M | +0.145% | Sound ☺️ |
| Refinance | 50/100 | 48 | $18M | +0.360% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 287 | 0.08% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 244 | 81/100 |
| Austin | TX | 17 | 49/100 |
| Non |  | 12 | 24/100 |

## Where This Lender Ranks

Jefferson Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in San Antonio Banks
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks)
- 🏆 **#8** in San Antonio for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in San Antonio for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in San Antonio for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks/va-loans)
- 🏆 **#12** in San Antonio for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in San Antonio for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Jefferson Bank offer?

Jefferson Bank 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 Jefferson Bank offer mortgages?

Jefferson Bank offers mortgages in 1 states: TX.

### How competitive are Jefferson Bank's mortgage rates?

Jefferson Bank has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.182% above market average.

### What type of lender is Jefferson Bank?

Jefferson Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in San Antonio, TX.

### What is Jefferson Bank's loan approval success rate?

Jefferson Bank has a pull-through score of 66/100 (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/jefferson-bank

### How to Cite

> "Jefferson Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jefferson-bank

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