# TexasBank

> **Canonical URL:** https://saferate.com/lenders/texasbank


> **📋 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


TexasBank is a bank, headquartered in Brownwood, TX, serving borrowers across 4 states, with 1,053 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 91% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2549007NTZZX7VJJPB03
- **Headquarters:** Brownwood, TX
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, OK, TX, WA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.1%
- **Brokered/Wholesale:** 0.9%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 9/100
- Rating: ●○○○○ (1/5)

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

### Pricing Details
- **Average Rate Spread:** +1.273%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,052
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,053
- **Dollar Volume:** $274 million
- **Applications Received:** 1,497
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $260,499
- **Average Borrower Income:** $107,763
- **Average Property Value:** $321,306

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 966 | +1.339% | $3,143 | Strong 😀 |
| FHA | 62/100 | 78 | +0.681% | $2,080 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 856 loans, Score: 67/100 (Strong)
- Refinance: 110 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 77 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 942 | $248M | +1.313% | Strong 😀 |
| Refinance | 58/100 | 111 | $26M | +0.940% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,050 | 0.30% | 84/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 440 | 83/100 |
| Fort Worth | TX | 350 | 87/100 |
| Non |  | 108 | 52/100 |
| Houston | TX | 68 | 59/100 |
| Austin | TX | 57 | 62/100 |

## Where This Lender Ranks

TexasBank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Dallas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#12** in Fort Worth for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#15** in Texas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#19** in Texas Banks
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks)
- 🏆 **#19** in Texas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in Dallas Banks
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/banks)
- 🏆 **#19** in Dallas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does TexasBank offer?

TexasBank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TexasBank offer mortgages?

TexasBank offers mortgages in 4 states: FL, OK, TX, WA.

### How competitive are TexasBank's mortgage rates?

TexasBank has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.273% above market average.

### What type of lender is TexasBank?

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

### What is TexasBank's loan approval success rate?

TexasBank 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/texasbank

### How to Cite

> "TexasBank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/texasbank

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