Texas National Bank Of Jacksonville Mortgage Rates, Fees & Info
Jacksonville, TXLEI: 549300NJ26KCZVDMI076
Tax ID: 75-1995738
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Mortgage Data
Bank 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, Longview, Jacksonville, Athens, and Dallas among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Texas National Bank Of Jacksonville has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
181Origination Dollar Volume (All Markets)
$31,625,000Employee count
96Top 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) | 52 | $15,490,000 | $297,885 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 59 | $7,055,000 | $119,576 | $0 | 0.00% |
| Jacksonville, TX (FHA|USDA|VA) | 54 | $5,690,000 | $105,370 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $1,305,000 | $186,429 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 0.00% |
| Palestine, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 181 | $31,625,000 | $174,724 | $0 | 0.00% |
For 2019, Texas National Bank Of Jacksonville's most frequently originated type of loan was Conventional, with 181 originations.
Loan Reason
For 2019, Texas National Bank Of Jacksonville's most frequently cited loan purpose was Home Purchase, with 129 originations. The 2nd most popular reason was Cash Out Refi, with 20 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 181 | $31,625,000 | $174,724 | $0 | 0.00% |
For 2019, Texas National Bank Of Jacksonville's most frequently cited loan duration was Other, with 181 originations.
Loan Sizing
2019 saw Texas National Bank Of Jacksonville place emphasis on $100,000 or less loans with 77 originations, totaling $4,375,000 in origination value.
Applicant Income
Texas National Bank Of Jacksonville lent most frequently to those with incomes in the $100k-150k range, with 31 originations. The second most popular income band? $50k-75k, with 24 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 181 | $31,625,000 | $174,724 | $0 | 0.00% |
Texas National Bank Of Jacksonville lent most frequently to those with DTI ratios of Exempt%, with 181 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.41%
Texas National Bank Of Jacksonville has a below average approval rate.
Pick Rate
Approvals leading to origination77.35%
Texas National Bank Of Jacksonville has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 181 | $31,625,000 | $174,724 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| The J. G. Wentworth Company | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 19.0% |
| The J. G. Wentworth Company | Conventional home mortgage | Closing on a mortgage | 4 | 19.0% |
| The J. G. Wentworth Company | Conventional home mortgage | Trouble during payment process | 6 | 28.6% |
| The J. G. Wentworth Company | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 4.8% |
| The J. G. Wentworth Company | FHA mortgage | Closing on a mortgage | 1 | 4.8% |
| The J. G. Wentworth Company | FHA mortgage | Trouble during payment process | 4 | 19.0% |
| The J. G. Wentworth Company | VA mortgage | Trouble during payment process | 1 | 4.8% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Texas National Bank of Jacksonville | 2133 West Grande Blvd Tyler, TX 75703 | Full Service B&M | $63,023 |
| Texas National Bank of Jacksonville | 300 Neches Street Jacksonville, TX 75766 | Full Service B&M | $108,402 |
| Texas National Bank of Jacksonville | 484 North Main Street Rusk, TX 75785 | Full Service B&M | $42,690 |
| Texas National Bank of Jacksonville | 5101 Troup Hwy Tyler, TX 75707 | Full Service B&M | $7,098 |
| Texas National Bank of Jacksonville | 524 East Main Bullard, TX 75757 | Full Service B&M | $72,867 |
| Texas National Bank of Jacksonville | 612 East Hawkins Parkway Longview, TX 75605 | Full Service B&M | $106,261 |
| Texas National Bank of Jacksonville | 716 East End Boulevard Marshall, TX 75670 | Full Service B&M | $61,812 |
For 2019, Texas National Bank Of Jacksonville had 7 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $28,863 |
| Net interest income | $20,645 |
| Total noninterest income | $1,483 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $867 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $616 |
| Pre-tax net operating income | $7,811 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $6,174 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $6,174 |
| Minority interest net income | $0 |
| Net income | $6,174 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $6,174 |
Texas National Bank Of Jacksonville's gross interest income from loans was $28,863,000.
Texas National Bank Of Jacksonville's net interest income from loans was $20,645,000.
Texas National Bank Of Jacksonville's fee based income from loans was $867,000.
Texas National Bank Of Jacksonville's net income from loans was $6,174,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $8,218 |
| Provision for credit losses | $1,350 |
| Total noninterest expense | $12,967 |
| Salaries and employee benefits | $8,687 |
| Premises and equipment expense | $1,002 |
| Additional noninterest expense | $3,278 |
| Applicable income taxes | $1,637 |
| Net charge-offs | $1,861 |
| Cash dividends | $1,250 |
Texas National Bank Of Jacksonville's interest expense for loans was $8,218,000.
Texas National Bank Of Jacksonville's payroll and benefits expense were $8,687,000.
Texas National Bank Of Jacksonville's property, plant and equipment expenses $1,002,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 2.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $470,247 |
| Deposits held in domestic offices | $470,247 |
| Deposits by Individuals, partnerships, and corporations | $457,577 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $11,029 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,641 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $102,034 |
| Demand deposits | $81,495 |
| Nontransaction accounts | $368,213 |
| Money market deposit accounts (MMDAs) | $53,071 |
| Other savings deposits (excluding MMDAs) | $16,190 |
| Total time deposits | $298,951 |
| Total time and savings deposits | $388,752 |
| Noninterest-bearing deposits | $81,495 |
| Interest-bearing deposits | $388,752 |
| Retail deposits | $415,203 |
| IRAs and Keogh plan accounts | $19,838 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $561,787 |
| Cash & Balances due from depository institutions | $32,476 |
| Interest-bearing balances | $26,333 |
| Total securities | $17,299 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $493,893 |
| Loan and leases loss allowance | $6,356 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $11,767 |
| Other real estate owned | $154 |
| Goodwill and other intangibles | $127 |
| All other assets | $6,071 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $561,787 |
| Total Liabilities | $503,923 |
| Total deposits | $470,247 |
| Interest-bearing deposits | $388,752 |
| Deposits held in domestic offices | $470,247 |
| % insured (estimated) | $88 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $31,000 |
| Subordinated debt | $0 |
| All other liabilities | $2,676 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $493,893 |
| Loan and leases loss allowance | $6,356 |
| Total loans and leases (domestic) | $500,249 |
| All real estate loans | $407,430 |
| Real estate loans in domestic offices | $407,430 |
| Construction and development loans | $22,319 |
| Residential 1-4 family construction | $6,851 |
| Other construction, all land development and other land | $15,468 |
| Loans secured by nonfarm nonresidential properties | $198,979 |
| Nonfarm nonresidential secured by owner-occupied properties | $98,284 |
| Commercial real estate & other non-farm, non-residential | $100,695 |
| Multifamily residential real estate | $14,343 |
| 1-4 family residential loans | $162,076 |
| Farmland loans | $9,713 |
| Loans held in foreign offices | $0 |
| Farm loans | $3,782 |
| Commercial and industrial loans | $70,330 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $17,815 |
| Credit card loans | $0 |
| Related Plans | $147 |
| Consumer Auto Loans | $4,036 |
| Other loans to individuals | $13,632 |
| All other loans & leases | $1,779 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $195 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Texas National Bank of Jacksonville had $493,893,000 of loans outstanding in 2019. $407,430,000 of loans were in real estate loans. $22,319,000 of loans were in development loans. $14,343,000 of loans were in multifamily mortgage loans. $162,076,000 of loans were in 1-4 family mortgage loans. $3,782,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,036,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 362 | $76,330 | $210,856 |
| Nonfarm, nonresidential loans - <$100k | 136 | $8,259 | $60,728 |
| Nonfarm, nonresidential loans - $100-250k | 104 | $14,272 | $137,231 |
| Nonfarm, nonresidential loans - $250k-1MM | 122 | $53,799 | $440,975 |
| Commercial & Industrial, US addressed loans - <$1MM | 415 | $41,936 | $101,051 |
| Commercial & Industrial, US addressed loans - <$100k | 283 | $8,302 | $29,336 |
| Commercial & Industrial, US addressed loans - $100-250k | 67 | $8,081 | $120,612 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 65 | $25,553 | $393,123 |
| Farmland loans - <$1MM | 14 | $1,728 | $123,429 |
| Farmland loans - <$100k | 9 | $373 | $41,444 |
| Farmland loans - $100-250k | 1 | $98 | $98,000 |
| Farmland loans - $250k-1MM | 4 | $1,257 | $314,250 |
| Agriculture operations loans - <$1MM | 60 | $2,134 | $35,567 |
| Agriculture operations loans - <$100k | 54 | $1,232 | $22,815 |
| Agriculture operations loans - $100-250k | 4 | $382 | $95,500 |
| Agriculture operations loans - $250k-1MM | 2 | $520 | $260,000 |