# VeraBank, National Association

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


VeraBank, National Association is a bank, headquartered in Henderson, TX, serving borrowers across 2 states, with 405 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930087FQP1S845Z665
- **Headquarters:** Henderson, TX
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** AR, TX
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.426%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $907
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 405
- **Dollar Volume:** $140 million
- **Applications Received:** 529
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $346,383
- **Average Borrower Income:** $158,620
- **Average Property Value:** $471,914

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 378 | +0.450% | $917 | Strong 😀 |
| Jumbo | 67/100 | 21 | -0.117% | $673 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 336 loans, Score: 67/100 (Strong)
- Refinance: 42 loans, Score: 41/100 (Sound)

**Jumbo:**
- Purchase: 20 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 362 | $129M | +0.428% | Strong 😀 |
| Refinance | 38/100 | 43 | $12M | +0.409% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 404 | 0.12% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Austin | TX | 140 | 78/100 |
| Non |  | 88 | 53/100 |
| Longview, TX | TX | 73 | 83/100 |
| Tyler, TX | TX | 42 | 74/100 |
| College Station | TX | 39 | 74/100 |
| Houston | TX | 11 | 40/100 |

## Where This Lender Ranks

VeraBank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Longview, TX Banks
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/banks)
- 🥇 **#1** in Longview, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Tyler, TX Banks
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/banks)
- 🥉 **#3** in Longview, TX
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders)
- 🏆 **#4** in Tyler, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in College Station Banks
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks)
- 🏆 **#5** in Longview, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in College Station for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Austin for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Tyler, TX
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders)
- 🏆 **#6** in College Station
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders)
- 🏆 **#9** in Austin for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in College Station for Conventional Loans
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Austin Banks
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks)
- 🏆 **#10** in Tyler, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Austin for Jumbo Loans
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does VeraBank, National Association offer?

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

### Where does VeraBank, National Association offer mortgages?

VeraBank, National Association offers mortgages in 2 states: AR, TX.

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

VeraBank, National Association has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.426% above market average.

### What type of lender is VeraBank, National Association?

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

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

VeraBank, National Association has a pull-through score of 63/100 (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/verabank-national-association

### How to Cite

> "VeraBank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/verabank-national-association

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