What loan types does Commercial Bank of Texas offer?

Commercial Bank of Texas offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Commercial Bank of Texas offer mortgages?

Commercial Bank of Texas offers mortgages in 6 states: FL, KS, MD, OK, PA, TX.

How competitive are Commercial Bank of Texas's mortgage rates?

Commercial Bank of Texas has an overall pricing score of 36.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Commercial Bank of Texas?

Commercial Bank of Texas is a Bank headquartered in Nacogdoches, TX.

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Commercial Bank of Texas

Bank•Nacogdoches, TXHQ•Direct•Reviews near you on Google

Commercial Bank of Texas has 275 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Sound

3/5

Multi-Region · 2 mkts

Awards

FHA

Superstar

Summary

Things to Think About

Rates typically 52 basis points above market average

Explore another lender or local market

Report Card

Commercial Bank of Texas performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+51.7 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

FHA

Sound

Top 60% of lenders

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	232	84.4%	+0.607%Above	$1,359Fees
FHA Loans	Strong	Sound	Exceptional	Strong	31	11.3%	+0.159%Above	$1,061Fees
VA Loans	Sound	Sound	—	—	12	4.4%	-0.381%Below	$1,417Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume232

Mix84.4%

Spread

+0.607%Above

Fees

$1,359Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume31

Mix11.3%

Spread

+0.159%Above

Fees

$1,061Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix4.4%

Spread

-0.381%Below

Fees

$1,417Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Sound	249	90.5%	+0.493%Above	$1,311Fees
Refinance	Acceptable	Acceptable	Acceptable	Acceptable	26	9.5%	+0.735%Above	$1,465Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume249

Mix90.5%

Spread

+0.493%Above

Fees

$1,311Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume26

Mix9.5%

Spread

+0.735%Above

Fees

$1,465Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

275

Applications

364

Volume

$74 million

Pricing & Closing

Avg Rate Spread

+0.517%

vs. market APOR

Avg Net Fees

$1,326

Origination − Credits

Pullthrough Rate

75.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$272,273

Avg Borrower Income

$142,625

Avg Property Value

$388,782

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast1

Midwest1

South4

FLMDOKTX

Top Metro Areas by Place Specialization Score

Dallas, TXMetro

Volume 14Mix 5.09% of portfolio

44/100

Sound

Fort Worth, TXMetro

Volume 12Mix 4.36% of portfolio

44/100

Sound

Top States by Place Specialization Score

TexasState

Volume 270Mix 98.18% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.