We analyzed every closed loan from Texana Bank — 654 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Mediocre
1/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
National · 12 mkts
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
Explore another lender or local market
Report Card
Texana Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+33.7 bps above market avg
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
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
National · 13 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 | 256 | 39.1% | +0.454%Above | $2,371Fees | ||||
FHA Loans | 197 | 30.1% | +0.612%Above | $2,789Fees | ||||
VA Loans | 199 | 30.4% | -0.213%Below | $3,261Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughMediocre
Volume256
Mix39.1%
Spread
+0.454%Above
Fees
$2,371Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughAcceptable
Volume197
Mix30.1%
Spread
+0.612%Above
Fees
$2,789Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume199
Mix30.4%
Spread
-0.213%Below
Fees
$3,261Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 341 | 52.1% | +0.468%Above | $2,030Fees | ||||
Refinance | 313 | 47.9% | +0.130%Above | $3,704Fees |
Purchase
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume341
Mix52.1%
Spread
+0.468%Above
Fees
$2,030Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughMediocre
Volume313
Mix47.9%
Spread
+0.130%Above
Fees
$3,704Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
654
Applications
2,332
Volume
$207 million
Pricing & Closing
Avg Rate Spread
+0.337%
vs. market APOR
Avg Net Fees
$2,677
Origination − Credits
Pullthrough Rate
28.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$317,813
Avg Borrower Income
$109,049
Avg Property Value
$392,554
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
46Northeast8
CTMEMANHNJNYPARI
Midwest10
IAILINKSMIMNMOOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 42Mix 6.42% of portfolio
58/100
Sound
Volume 36Mix 5.50% of portfolio
58/100
Sound
Volume 27Mix 4.13% of portfolio
53/100
Sound
Volume 14Mix 2.14% of portfolio
44/100
Sound
Volume 14Mix 2.14% of portfolio
44/100
Sound
Volume 12Mix 1.83% of portfolio
42/100
Sound
Volume 14Mix 2.14% of portfolio
42/100
Sound
Volume 12Mix 1.83% of portfolio
42/100
Sound
Volume 12Mix 1.83% of portfolio
41/100
Sound
Volume 10Mix 1.53% of portfolio
41/100
SoundShowing 10 of 12 metro areas
Top States by Place Specialization Score
1
TennesseeState
Volume 65Mix 9.94% of portfolio
59/100
Sound2
OhioState
Volume 68Mix 10.40% of portfolio
58/100
Sound3
KentuckyState
Volume 36Mix 5.50% of portfolio
55/100
Sound4
MichiganState
Volume 32Mix 4.89% of portfolio
50/100
Sound5
TexasState
Volume 45Mix 6.88% of portfolio
49/100
Sound6
IndianaState
Volume 29Mix 4.43% of portfolio
49/100
Sound7
FloridaState
Volume 38Mix 5.81% of portfolio
47/100
Sound8
North CarolinaState
Volume 28Mix 4.28% of portfolio
47/100
Sound9
MissouriState
Volume 21Mix 3.21% of portfolio
46/100
Sound10
ArizonaState
Volume 19Mix 2.91% of portfolio
45/100
SoundShowing 10 of 21 states
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.