# Veritex Community Bank

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


Veritex Community Bank is a bank, headquartered in Dallas, TX, serving borrowers across 9 states, with 150 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 80% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300Q2EZNO3H86ED06
- **Headquarters:** Dallas, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** CA, CO, FL, KS, MI, MT, NY, OK, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 20/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.041%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,043
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 150
- **Dollar Volume:** $129 million
- **Applications Received:** 192
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $857,133
- **Average Borrower Income:** $540,547
- **Average Property Value:** $1,248,200

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 27/100 | 86 | -0.060% | $3,329 | Acceptable 🙂 |
| Jumbo | 76/100 | 64 | +0.036% | $6,936 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 65 loans, Score: 27/100 (Acceptable)
- Refinance: 21 loans, Score: 32/100 (Acceptable)

**Jumbo:**
- Purchase: 48 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 113 | $95M | -0.067% | Acceptable 🙂 |
| Refinance | 38/100 | 37 | $34M | +0.046% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 137 | 0.04% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 60 | 65/100 |
| Fort Worth | TX | 24 | 56/100 |
| Houston | TX | 24 | 52/100 |
| Non |  | 20 | 34/100 |

## Frequently Asked Questions

### What loan types does Veritex Community Bank offer?

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

### Where does Veritex Community Bank offer mortgages?

Veritex Community Bank offers mortgages in 9 states: CA, CO, FL, KS, MI, MT, NY, OK, TX.

### How competitive are Veritex Community Bank's mortgage rates?

Veritex Community Bank has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.041% below market average.

### What type of lender is Veritex Community Bank?

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

### What is Veritex Community Bank's loan approval success rate?

Veritex Community Bank has a pull-through score of 53/100 (Sound). 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/veritex-community-bank

### How to Cite

> "Veritex Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/veritex-community-bank

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