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Texana Bank, National Association
Bank|Linden, TX|National
Loans Originated
654
Applications
2,332
Volume
$207 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Average Rate Spread
+0.337%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,677
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
28.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Pull through efficiency is below industry average
Report Card
Texana Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 13 metro areas · 46 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$317,813
Average Borrower Income
$109,049
Average Property Value
$392,554
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Acceptable | Mediocre | 256 | 39.1% | +0.454% | $2,371 |
FHA Loans | Sound | Strong | Sound | Acceptable | 197 | 30.1% | +0.612% | $2,789 |
VA Loans | Sound | Strong | Acceptable | Sound | 199 | 30.4% | -0.213% | $3,261 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Acceptable | Acceptable | 341 | 52.1% | +0.468% | $2,030 |
Refinance | Acceptable | Sound | Acceptable | Mediocre | 313 | 47.9% | +0.130% | $3,704 |
Geographic Coverage
Metro Areas
12
States Served
46
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Nashville, TNMSA
Volume: 42Mix: 6.42%
Place Specialization
Sound
2
Louisville/Jefferson County, KY, KY-INMSA
Volume: 36Mix: 5.50%
Place Specialization
Sound
3
Cleveland, OH, OHMSA
Volume: 27Mix: 4.13%
Place Specialization
Sound
4
Warren, MIMSA
Volume: 14Mix: 2.14%
Place Specialization
Sound
5
Las Vegas, NVMSA
Volume: 14Mix: 2.14%
Place Specialization
Sound
6
Columbus, OH, OHMSA
Volume: 12Mix: 1.83%
Place Specialization
Sound
7
Phoenix, AZMSA
Volume: 14Mix: 2.14%
Place Specialization
Sound
8
Indianapolis, INMSA
Volume: 12Mix: 1.83%
Place Specialization
Sound
9
Chicago, ILMSA
Volume: 12Mix: 1.83%
Place Specialization
Sound
10
Providence, RI-MAMSA
Volume: 10Mix: 1.53%
Place Specialization
Sound
Showing 10 of 12 metro areas
Top States by Place Specialization Score
1
TNState
Volume: 65Mix: 9.94%
Place Specialization
Sound
2
OHState
Volume: 68Mix: 10.40%
Place Specialization
Sound
3
KYState
Volume: 36Mix: 5.50%
Place Specialization
Sound
4
MIState
Volume: 32Mix: 4.89%
Place Specialization
Sound
5
TXState
Volume: 45Mix: 6.88%
Place Specialization
Sound
6
INState
Volume: 29Mix: 4.43%
Place Specialization
Sound
7
FLState
Volume: 38Mix: 5.81%
Place Specialization
Sound
8
NCState
Volume: 28Mix: 4.28%
Place Specialization
Sound
9
MOState
Volume: 21Mix: 3.21%
Place Specialization
Sound
10
AZState
Volume: 19Mix: 2.91%
Place Specialization
Sound
Showing 10 of 21 states
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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