We analyzed every closed loan from TexasBank — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
Things to Think About
- Rates typically 127 basis points above market average
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Report Card
TexasBank performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 966 | 91.7% | +1.339%Above | $3,143Fees | ||||
FHA Loans | 78 | 7.4% | +0.681%Above | $2,080Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 942 | 89.5% | +1.313%Above | $3,195Fees | ||||
Refinance | 111 | 10.5% | +0.940%Above | $1,872Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
4Top Metro Areas by Place Specialization Score
1© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Top States by Place Specialization Score
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)
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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