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Austin Bank, Texas National Association
Bank|Jacksonville, TX|Single State
Loans Originated
336
Applications
564
Volume
$115 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.690%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,239
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Rates typically 69 basis points above market average
- Pull through efficiency is below industry average
Report Card
Austin Bank, Texas National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Single State · 4 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$342,292
Average Borrower Income
$209,595
Average Property Value
$453,155
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 311 | 92.6% | +0.705% | $1,116 |
Jumbo Loans | Sound | Strong | N/A | Sound | 24 | 7.1% | +0.516% | $3,791 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 287 | 85.4% | +0.610% | $1,280 |
Refinance | Acceptable | Sound | Mediocre | Sound | 49 | 14.6% | +0.988% | $1,090 |
Geographic Coverage
Metro Areas
3
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
TX
Top Metro Areas by Place Specialization Score
1
Tyler, TX, TXMSA
Volume: 70Mix: 20.83%
Place Specialization
Exceptional
2
Longview, TX, TXMSA
Volume: 57Mix: 16.96%
Place Specialization
Strong
3
Houston, TXMSA
Volume: 27Mix: 8.04%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 336Mix: 100.00%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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