Texas Heritage National Bank Mortgage Rates, Fees & Info
DAINGERFIELD, TXLEI: 5493004KLDVVA608R237
Tax ID: 75-0456915
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Texas Heritage National Bank is a smaller bank specializing in Home Purchase loans. Texas Heritage National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Dallas, Longview, Miami, and Sulphur Springs among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Texas Heritage National Bank has an above average approval rate when compared to the average across all lenders.
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Originations
52Origination Dollar Volume (All Markets)
$22,070,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $6,795,000 | $6,795,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 13 | $5,295,000 | $407,308 | $0 | 0.00% |
| Outside of Metro Areas | 15 | $3,055,000 | $203,667 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 11 | $2,375,000 | $215,909 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $1,765,000 | $1,765,000 | $0 | 0.00% |
| Sulphur Springs, TX (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Laramie, WY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| TYLER, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 0.00% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 52 | $22,070,000 | $424,423 | $0 | 0.00% |
For 2023, Texas Heritage National Bank's most frequently originated type of loan was Conventional, with 52 originations.
Loan Reason
For 2023, Texas Heritage National Bank's most frequently cited loan purpose was Home Purchase, with 31 originations. The 2nd most popular reason was Cash Out Refi, with 8 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 52 | $22,070,000 | $424,423 | $0 | 0.00% |
For 2023, Texas Heritage National Bank's most frequently cited loan duration was Other, with 52 originations.
Loan Sizing
2023 saw Texas Heritage National Bank place emphasis on $200k-400k loans with 16 originations, totaling $4,310,000 in origination value.
Applicant Income
Texas Heritage National Bank lent most frequently to those with incomes in the $150k-250k range, with 8 originations. The second most popular income band? $75k-100k, with 5 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 52 | $22,070,000 | $424,423 | $0 | 0.00% |
Texas Heritage National Bank lent most frequently to those with DTI ratios of Exempt%, with 52 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.11%
Texas Heritage National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 52 | $22,070,000 | $424,423 |