What loan types does Extraco Banks offer?

Extraco Banks offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Extraco Banks offer mortgages?

Extraco Banks offers mortgages in 6 states: AR, IA, IL, NV, SC, TX.

How competitive are Extraco Banks's mortgage rates?

Extraco Banks has an overall pricing score of 54.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Extraco Banks?

Extraco Banks is a Bank headquartered in Temple, TX.

Unclaimed

Extraco Banks

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

Extraco Banks has 313 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

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Strong

4/5

Multi-Region · 6 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and VA and Jumbo loans

Explore another lender or local market

Report Card

Extraco Banks performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+6.2 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Sound

Top 60% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 7 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	Strong	Strong	Sound	Strong	222	70.9%	+0.106%Above	$1,038Fees
FHA Loans	Strong	Sound	Strong	Strong	24	7.7%	+0.246%Above	$2,189Fees
VA Loans	Strong	Strong	Sound	Strong	41	13.1%	-0.324%Below	$1,822Fees
Jumbo Loans	Strong	Strong	Sound	Strong	26	8.3%	-0.003%Below	$662Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume222

Mix70.9%

Spread

+0.106%Above

Fees

$1,038Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume24

Mix7.7%

Spread

+0.246%Above

Fees

$2,189Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume41

Mix13.1%

Spread

-0.324%Below

Fees

$1,822Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume26

Mix8.3%

Spread

-0.003%Below

Fees

$662Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Sound	Strong	282	90.1%	+0.039%Above	$1,205Fees
Refinance	Sound	Sound	Acceptable	Sound	31	9.9%	+0.253%Above	$981Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume282

Mix90.1%

Spread

+0.039%Above

Fees

$1,205Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume31

Mix9.9%

Spread

+0.253%Above

Fees

$981Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

313

Applications

421

Volume

$127 million

Pricing & Closing

Avg Rate Spread

+0.062%

vs. market APOR

Avg Net Fees

$1,180

Origination − Credits

Pullthrough Rate

74.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$407,173

Avg Borrower Income

$214,297

Avg Property Value

$503,658

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest2

IAIL

South3

ARSCTX

West1

Top Metro Areas by Place Specialization Score

College Station, TXMetro

Volume 60Mix 19.17% of portfolio

85/100

Exceptional

Killeen, TXMetro

Volume 120Mix 38.34% of portfolio

83/100

Exceptional

Corpus Christi, TXMetro

Volume 37Mix 11.82% of portfolio

64/100

Strong

Waco, TXMetro

Volume 27Mix 8.63% of portfolio

63/100

Strong

Austin, TXMetro

Volume 17Mix 5.43% of portfolio

49/100

Sound

Houston, TXMetro

Volume 10Mix 3.19% of portfolio

40/100

Acceptable

Top States by Place Specialization Score

TexasState

Volume 308Mix 98.40% of portfolio

74/100

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.

Looking for a different lender?

Are you the owner of Extraco Banks?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.