# Texana Bank, National Association

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


Texana Bank, National Association is a bank, headquartered in Linden, TX, serving borrowers nationwide, with 654 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 85% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RM1IZYGQDSNL85
- **Headquarters:** Linden, TX
- **Geographic Reach:** National
- **States Served:** 46
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Mediocre 😐
- Score: 15/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.337%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,677
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 654
- **Dollar Volume:** $208 million
- **Applications Received:** 2,332
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $317,813
- **Average Borrower Income:** $109,049
- **Average Property Value:** $392,554

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 256 | +0.454% | $2,371 | Sound ☺️ |
| FHA | 67/100 | 197 | +0.612% | $2,789 | Strong 😀 |
| VA | 71/100 | 199 | -0.213% | $3,261 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 201 loans, Score: 42/100 (Sound)
- Refinance: 55 loans, Score: 45/100 (Sound)

**FHA:**
- Purchase: 94 loans, Score: 63/100 (Strong)
- Refinance: 103 loans, Score: 53/100 (Sound)

**VA:**
- Purchase: 44 loans, Score: 45/100 (Sound)
- Refinance: 155 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 341 | $111M | +0.468% | Sound ☺️ |
| Refinance | 59/100 | 313 | $97M | +0.130% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 68 | 0.05% | 58/100 |
| TN | 65 | 0.07% | 59/100 |
| TX | 45 | 0.01% | 49/100 |
| FL | 38 | 0.01% | 47/100 |
| KY | 36 | 0.08% | 55/100 |
| MI | 32 | 0.03% | 50/100 |
| IN | 29 | 0.03% | 49/100 |
| NC | 28 | 0.02% | 47/100 |
| CA | 21 | 0.01% | 42/100 |
| MO | 21 | 0.03% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 63 | 45/100 |
| Nashville | TN | 42 | 58/100 |
| Louisville/Jefferson County, KY | KY-IN | 36 | 58/100 |
| Cleveland, OH | OH | 27 | 53/100 |
| Las Vegas | NV | 14 | 44/100 |
| Phoenix | AZ | 14 | 42/100 |
| Warren | MI | 14 | 44/100 |
| Chicago | IL | 12 | 41/100 |
| Columbus, OH | OH | 12 | 42/100 |
| Indianapolis | IN | 12 | 42/100 |
| Charlotte | NC-SC | 11 | 41/100 |
| Houston | TX | 11 | 39/100 |
| Providence | RI-MA | 10 | 41/100 |

## Frequently Asked Questions

### What loan types does Texana Bank, National Association offer?

Texana Bank, 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 Texana Bank, National Association offer mortgages?

Texana Bank, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

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

Texana Bank, National Association has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.337% above market average.

### What type of lender is Texana Bank, National Association?

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

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

Texana Bank, National Association has a pull-through score of 15/100 (Mediocre). 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/texana-bank-national-association

### How to Cite

> "Texana Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/texana-bank-national-association

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