Texas National Bank Of Jacksonville Mortgage Rates, Fees & Info

Jacksonville, TX

LEI: 549300NJ26KCZVDMI076

Tax ID: 75-1995738

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Texas National Bank Of Jacksonville is a smaller bank specializing in Home Purchase loans. Texas National Bank Of Jacksonville has a high proportion of conventional loans. Their top markets by origination volume include: Tyler, Jacksonville, Longview, Dallas, and Houston among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

Texas National Bank Of Jacksonville has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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Originations

208

Origination Dollar Volume (All Markets)

$54,820,000

Top 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
TYLER, TX (FHA|USDA|VA) 84 $22,170,000 $263,929 $0 0.00%
Jacksonville, TX (FHA|USDA|VA) 44 $10,470,000 $237,955 $0 0.00%
Outside of Metro Areas 20 $6,280,000 $314,000 $0 0.00%
LONGVIEW, TX (FHA|USDA|VA) 31 $5,265,000 $169,839 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $3,640,000 $606,667 $0 0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $2,020,000 $505,000 $0 0.00%
Palestine, TX (FHA|USDA|VA) 6 $1,370,000 $228,333 $0 0.00%
Lufkin, TX (FHA|USDA|VA) 3 $1,025,000 $341,667 $0 0.00%
Athens, TX (FHA|USDA|VA) 5 $1,015,000 $203,000 $0 0.00%
Nacogdoches, TX (FHA|USDA|VA) 2 $820,000 $410,000 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
Texas National Bank Of Jacksonville's top markets include Tyler, Jacksonville, Longview, Dallas, and Houston among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Texas National Bank of Jacksonville based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    VeraBank
    Similarity Rank: 310
    Guaranty Bank & Trust, N.A.
    Similarity Rank: 333
    Austin Bank, Texas
    Similarity Rank: 440
    Prosperity Bank
    Similarity Rank: 539
    Southside Bank
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    NAVY FEDERAL CREDIT UNION
    Similarity Rank: 1778
    Origin Bank
    Similarity Rank: 1820

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 208 $54,820,000 $263,558 $0 0.00%

    For 2023, Texas National Bank Of Jacksonville's most frequently originated type of loan was Conventional, with 208 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 144 $44,840,000 $311,389 $0 0.00%
    Cash Out Refi 28 $5,200,000 $185,714 $0 0.00%
    Home Improvement 24 $2,120,000 $88,333 $0 0.00%
    Other 6 $710,000 $118,333 $0 0.00%
    Refi 6 $1,950,000 $325,000 $0 0.00%

    For 2023, Texas National Bank Of Jacksonville's most frequently cited loan purpose was Home Purchase, with 144 originations. The 2nd most popular reason was Cash Out Refi, with 28 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 208 $54,820,000 $263,558 $0 0.00%

    For 2023, Texas National Bank Of Jacksonville's most frequently cited loan duration was Other, with 208 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 62 $16,750,000 $270,161 $0 0.00%
    $100k-200k 59 $8,585,000 $145,508 $0 0.00%
    $100,000 or less 50 $3,400,000 $68,000 $0 0.00%
    $400k-600k 23 $11,045,000 $480,217 $0 0.00%
    $600k-1MM 8 $6,200,000 $775,000 $0 0.00%
    $1MM+ 6 $8,840,000 $1,473,333 $0 0.00%

    2023 saw Texas National Bank Of Jacksonville place emphasis on $200k-400k loans with 62 originations, totaling $16,750,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 36 $10,240,000 $284,444 $0 0.00%
    $100k-150k 27 $5,885,000 $217,963 $0 0.00%
    $250k+ 23 $12,145,000 $528,043 $0 0.00%
    $75k-100k 18 $2,200,000 $122,222 $0 0.00%
    $50k-75k 17 $2,435,000 $143,235 $0 0.00%
    $50k or less 13 $1,135,000 $87,308 $0 0.00%

    Texas National Bank Of Jacksonville lent most frequently to those with incomes in the $150k-250k range, with 36 originations. The second most popular income band? $100k-150k, with 27 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 208 $54,820,000 $263,558 $0 0.00%

    Texas National Bank Of Jacksonville lent most frequently to those with DTI ratios of Exempt%, with 208 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 129 $31,045,000 $240,659 $0 0.00%
    Not applicable 71 $20,425,000 $287,676 $0 0.00%
    Asian 4 $2,500,000 $625,000 $0 0.00%
    American Indian 3 $695,000 $231,667 $0 0.00%
    Black 1 $155,000 $155,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.97%

    Texas National Bank Of Jacksonville has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.90%

    Texas National Bank Of Jacksonville has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 208 $54,820,000 $263,558

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    208 $54,820,000 $263,558