# Texas Regional Bank

> **Canonical URL:** https://saferate.com/lenders/texas-regional-bank

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Texas Regional Bank is a bank, headquartered in Harlingen, TX, serving borrowers across 4 states, with 75 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900GKRYTQSJG61D90
- **Headquarters:** Harlingen, TX
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** CO, KY, NM, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.275%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,862
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 75
- **Dollar Volume:** $37 million
- **Applications Received:** 112
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $488,867
- **Average Borrower Income:** $277,600

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 63 | +0.278% | $3,642 | Acceptable 🙂 |
| Jumbo | 59/100 | 11 | +0.247% | $9,688 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 56 loans, Score: 35/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 67 | $34M | +0.313% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 72 | 0.02% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| McAllen | TX | 17 | 56/100 |
| Non |  | 13 | 31/100 |
| Austin | TX | 10 | 46/100 |
| Brownsville | TX | 10 | 48/100 |

## Frequently Asked Questions

### What loan types does Texas Regional Bank offer?

Texas Regional Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Texas Regional Bank offer mortgages?

Texas Regional Bank offers mortgages in 4 states: CO, KY, NM, TX.

### How competitive are Texas Regional Bank's mortgage rates?

Texas Regional Bank has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.275% above market average.

### What type of lender is Texas Regional Bank?

Texas Regional Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Harlingen, TX.

### What is Texas Regional Bank's loan approval success rate?

Texas Regional Bank has a pull-through score of 34/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/texas-regional-bank

### How to Cite

> "Texas Regional Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/texas-regional-bank

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