Texana Bank Mortgage Rates, Fees & Info

Linden, TX

LEI: 549300RM1IZYGQDSNL85

Tax ID: 75-0269610

5 stars - out of 5 stars, based on 31 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Texana Bank is a smaller bank specializing in Refi loans. Texana Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Dallas, Los Angeles, Washington, Riverside, and Austin among others. Texana Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Texana Bank is typically an average fee lendor.


Originations

973

Origination Dollar Volume (All Markets)

$315,305,000

Employee count

186 Show all (13) awards

Relative Rate

Texana Bank's average 30 year fixed rate mortgage of loans were 2.82%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.33%.

Relative Fees

Texana Bank's average total fees for a 30 year fixed rate mortgage are $5,590.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 71 $24,475,000 $344,718 $5,371 2.79%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 51 $20,235,000 $396,765 $5,188 2.65%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 42 $17,560,000 $418,095 $6,008 2.60%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 27 $10,615,000 $393,148 $4,785 2.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 26 $8,930,000 $343,462 $5,560 2.67%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $8,790,000 $366,250 $6,046 2.65%
Outside of Metro Areas 30 $7,540,000 $251,333 $6,230 3.06%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 17 $7,475,000 $439,706 $4,448 2.48%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 16 $6,990,000 $436,875 $3,840 2.40%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 21 $6,275,000 $298,810 $6,663 2.73%
OKLAHOMA CITY, OK (FHA|USDA|VA) 16 $6,180,000 $386,250 $4,907 2.51%
TEXARKANA, TX-AR (FHA|USDA|VA) 37 $6,155,000 $166,351 $5,075 4.28%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 13 $5,755,000 $442,692 $6,752 2.40%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 14 $5,500,000 $392,857 $4,694 2.85%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 13 $4,995,000 $384,231 $5,370 2.56%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 9 $4,325,000 $480,556 $3,960 2.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 12 $4,180,000 $348,333 $6,014 2.84%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 13 $3,685,000 $283,462 $5,112 2.95%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 16 $3,670,000 $229,375 $4,066 3.02%
LONGVIEW, TX (FHA|USDA|VA) 24 $3,590,000 $149,583 $3,843 4.57%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 10 $3,560,000 $356,000 $4,560 2.63%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 9 $3,545,000 $393,889 $6,085 2.74%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 9 $3,505,000 $389,444 $3,331 2.97%
BOISE CITY, ID (FHA|USDA|VA) 10 $3,470,000 $347,000 $7,462 2.93%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $3,350,000 $279,167 $4,738 2.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $3,315,000 $301,364 $5,837 2.78%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 12 $3,220,000 $268,333 $8,282 2.93%
KANSAS CITY, MO-KS (FHA|USDA|VA) 10 $3,130,000 $313,000 $4,746 2.50%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 8 $3,020,000 $377,500 $6,274 2.64%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 8 $2,890,000 $361,250 $4,731 2.66%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 11 $2,885,000 $262,273 $4,815 3.00%
TULSA, OK (FHA|USDA|VA) 12 $2,830,000 $235,833 $5,139 3.29%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 7 $2,795,000 $399,286 $4,674 2.77%
SALT LAKE CITY, UT (FHA|USDA|VA) 7 $2,755,000 $393,571 $4,113 2.95%
Bozeman, MT (FHA|USDA|VA) 7 $2,635,000 $376,429 $5,091 2.46%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 7 $2,535,000 $362,143 $4,225 2.89%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 6 $2,410,000 $401,667 $4,544 2.73%
RALEIGH-CARY, NC (FHA|USDA|VA) 7 $2,385,000 $340,714 $7,796 2.71%
COLUMBUS, OH (FHA|USDA|VA) 7 $2,045,000 $292,143 $8,223 2.93%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $1,995,000 $399,000 $4,395 3.88%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 6 $1,860,000 $310,000 $4,735 2.81%
BELLINGHAM, WA (FHA|USDA|VA) 5 $1,605,000 $321,000 $3,603 3.33%
PROVO-OREM, UT (FHA|USDA|VA) 5 $1,605,000 $321,000 $4,137 3.18%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,595,000 $531,667 $19,147 2.42%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $1,580,000 $263,333 $5,033 2.92%
SALINAS, CA (FHA|USDA|VA) 3 $1,495,000 $498,333 $3,070 2.46%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,475,000 $295,000 $7,439 2.48%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,210 3.28%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $1,335,000 $267,000 $4,085 2.85%
BATON ROUGE, LA (FHA|USDA|VA) 4 $1,320,000 $330,000 $4,893 2.53%
MORGANTOWN, WV (FHA|USDA|VA) 3 $1,265,000 $421,667 $3,551 2.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,250,000 $312,500 $3,797 2.75%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,235,000 $411,667 $7,441 2.29%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,215,000 $405,000 $2,951 2.88%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,210,000 $302,500 $5,056 2.91%
RENO, NV (FHA|USDA|VA) 3 $1,185,000 $395,000 $2,614 2.67%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,175,000 $235,000 $5,647 2.93%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $1,115,000 $371,667 $7,603 2.71%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,115,000 $371,667 $5,962 2.46%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $1,095,000 $365,000 $3,132 2.54%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,060,000 $265,000 $5,185 2.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,050,000 $262,500 $2,692 2.69%
BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,030,000 $257,500 $7,165 2.69%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $995,000 $331,667 $2,902 2.25%
BEND, OR (FHA|USDA|VA) 2 $970,000 $485,000 $3,876 2.44%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $950,000 $237,500 $7,033 2.84%
SPARTANBURG, SC (FHA|USDA|VA) 3 $945,000 $315,000 $7,501 3.29%
SANTA FE, NM (FHA|USDA|VA) 2 $920,000 $460,000 $4,422 2.50%
KNOXVILLE, TN (FHA|USDA|VA) 3 $895,000 $298,333 $5,184 2.42%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $890,000 $445,000 $12,272 2.44%
LINCOLN, NE (FHA|USDA|VA) 2 $880,000 $440,000 $3,953 2.38%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $875,000 $291,667 $5,484 2.83%
BOULDER, CO (FHA|USDA|VA) 2 $870,000 $435,000 $4,392 3.19%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $825,000 $275,000 $6,207 2.54%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $820,000 $410,000 $5,430 2.56%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $800,000 $400,000 $5,490 2.69%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $800,000 $400,000 $2,719 2.50%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $790,000 $395,000 $0 2.88%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $790,000 $395,000 $5,328 2.69%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $785,000 $261,667 $6,889 2.96%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $750,000 $375,000 $3,976 2.56%
LOGAN, UT-ID (FHA|USDA|VA) 2 $740,000 $370,000 $14,131 2.94%
FRESNO, CA (FHA|USDA|VA) 4 $740,000 $185,000 $6,398 3.09%
FORT COLLINS, CO (FHA|USDA|VA) 2 $730,000 $365,000 $3,136 2.69%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $730,000 $365,000 $5,892 2.19%
Clarksburg, WV (FHA|USDA|VA) 3 $725,000 $241,667 $3,945 2.63%
VALLEJO, CA (FHA|USDA|VA) 2 $710,000 $355,000 $2,944 2.94%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 3 $695,000 $231,667 $4,401 2.71%
Oak Harbor, WA (FHA|USDA|VA) 2 $690,000 $345,000 $10,993 3.13%
Outside of Metro Areas 2 $630,000 $315,000 $6,360 2.69%
TUCSON, AZ (FHA|USDA|VA) 3 $625,000 $208,333 $5,719 2.67%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $600,000 $300,000 $6,140 3.56%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $575,000 $191,667 $6,562 2.54%
RICHMOND, VA (FHA|USDA|VA) 3 $575,000 $191,667 $4,125 3.29%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $570,000 $285,000 $3,776 2.38%
Morehead City, NC (FHA|USDA|VA) 2 $560,000 $280,000 $7,925 2.50%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $545,000 $181,667 $4,296 3.46%
STOCKTON, CA (FHA|USDA|VA) 1 $545,000 $545,000 $5,391 3.13%
DUBUQUE, IA (FHA|USDA|VA) 2 $540,000 $270,000 $5,638 2.31%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $540,000 $270,000 $5,987 2.81%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $530,000 $265,000 $3,437 3.25%
HATTIESBURG, MS (FHA|USDA|VA) 1 $525,000 $525,000 $4,300 2.25%
COLUMBIA, SC (FHA|USDA|VA) 3 $525,000 $175,000 $7,037 2.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $515,000 $515,000 $8,617 3.13%
McAlester, OK (FHA|USDA|VA) 3 $505,000 $168,333 $4,601 2.96%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $500,000 $250,000 $2,995 2.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $490,000 $245,000 $6,426 2.25%
Steamboat Springs, CO (FHA|USDA|VA) 1 $485,000 $485,000 $3,242 2.50%
Richmond-Berea, KY (FHA|USDA|VA) 1 $485,000 $485,000 $20,981 2.25%
Heber, UT (FHA|USDA|VA) 1 $475,000 $475,000 $3,374 2.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $470,000 $235,000 $6,992 2.75%
SALEM, OR (FHA|USDA|VA) 2 $470,000 $235,000 $3,938 2.81%
Opelousas, LA (FHA|USDA|VA) 1 $465,000 $465,000 $8,153 2.38%
MISSOULA, MT (FHA|USDA|VA) 1 $445,000 $445,000 $4,954 2.25%
Edwards, CO (FHA|USDA|VA) 1 $445,000 $445,000 $3,085 2.75%
PITTSBURGH, PA (FHA|USDA|VA) 2 $430,000 $215,000 $8,199 2.88%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $425,000 $425,000 $4,211 3.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $415,000 $415,000 $3,604 2.63%
MONROE, LA (FHA|USDA|VA) 1 $415,000 $415,000 $4,388 2.38%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $415,000 $415,000 $3,401 2.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $405,000 $405,000 $3,468 2.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $405,000 $405,000 $3,834 2.88%
MEDFORD, OR (FHA|USDA|VA) 1 $405,000 $405,000 $8,454 2.50%
Branson, MO (FHA|USDA|VA) 1 $405,000 $405,000 $3,071 2.63%
WICHITA, KS (FHA|USDA|VA) 1 $395,000 $395,000 $3,064 2.25%
GREELEY, CO (FHA|USDA|VA) 1 $395,000 $395,000 $3,760 2.63%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $385,000 $385,000 $11,486 3.75%
EL PASO, TX (FHA|USDA|VA) 1 $375,000 $375,000 $5,580 3.25%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $370,000 $185,000 $6,074 3.75%
Granbury, TX (FHA|USDA|VA) 1 $365,000 $365,000 $3,563 2.25%
TYLER, TX (FHA|USDA|VA) 1 $365,000 $365,000 $6,057 3.13%
Shelby, NC (FHA|USDA|VA) 1 $355,000 $355,000 $12,735 2.88%
Sanford, NC (FHA|USDA|VA) 1 $355,000 $355,000 $5,568 2.63%
Ardmore, OK (FHA|USDA|VA) 1 $355,000 $355,000 $14,911 2.25%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $350,000 $175,000 $3,962 2.81%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $345,000 $345,000 $3,770 2.75%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $3,746 2.25%
Nacogdoches, TX (FHA|USDA|VA) 1 $335,000 $335,000 $3,469 2.88%
Rolla, MO (FHA|USDA|VA) 1 $335,000 $335,000 $2,865 2.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $330,000 $165,000 $3,500 3.25%
MANKATO, MN (FHA|USDA|VA) 1 $325,000 $325,000 $5,764 3.13%
LONGVIEW, WA (FHA|USDA|VA) 1 $325,000 $325,000 $12,722 2.38%
Torrington, CT (FHA|USDA|VA) 1 $325,000 $325,000 $18,512 2.50%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $2,688 2.63%
AKRON, OH (FHA|USDA|VA) 2 $320,000 $160,000 $4,932 3.50%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $315,000 $315,000 $6,308 3.25%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $305,000 $305,000 $2,779 3.25%
Hailey, ID (FHA|USDA|VA) 1 $305,000 $305,000 $7,836 2.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $295,000 $295,000 $7,202 3.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,769 3.50%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $6,446 2.25%
WILMINGTON, NC (FHA|USDA|VA) 1 $285,000 $285,000 $8,787 2.38%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $275,000 $275,000 $5,864 2.88%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $275,000 $275,000 $4,098 2.38%
MODESTO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $8,789 2.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $275,000 $275,000 $4,064 3.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $275,000 $275,000 $9,146 3.00%
WACO, TX (FHA|USDA|VA) 1 $275,000 $275,000 $3,974 2.88%
GETTYSBURG, PA (FHA|USDA|VA) 1 $275,000 $275,000 $13,738 2.88%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $265,000 $265,000 $3,372 2.50%
VISALIA, CA (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.00%
Cedar City, UT (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.25%
MERCED, CA (FHA|USDA|VA) 1 $255,000 $255,000 $2,650 3.50%
CHEYENNE, WY (FHA|USDA|VA) 1 $255,000 $255,000 $2,091 2.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $255,000 $255,000 $5,654 2.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $250,000 $125,000 $0 5.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $245,000 $245,000 $12,376 3.00%
EL CENTRO, CA (FHA|USDA|VA) 1 $245,000 $245,000 $6,942 2.88%
TOPEKA, KS (FHA|USDA|VA) 1 $235,000 $235,000 $2,699 3.13%
VICTORIA, TX (FHA|USDA|VA) 1 $235,000 $235,000 $9,289 3.13%
TWIN FALLS, ID (FHA|USDA|VA) 1 $235,000 $235,000 $3,842 3.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $235,000 $235,000 $4,049 3.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $235,000 $235,000 $2,713 3.13%
Cambridge, MD (FHA|USDA|VA) 1 $225,000 $225,000 $7,425 2.63%
Bardstown, KY (FHA|USDA|VA) 1 $225,000 $225,000 $3,877 3.75%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $215,000 $215,000 $3,933 3.63%
Traverse City, MI (FHA|USDA|VA) 1 $215,000 $215,000 $7,821 2.63%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $215,000 $215,000 $9,303 3.38%
ROCKFORD, IL (FHA|USDA|VA) 1 $205,000 $205,000 $12,281 2.75%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $205,000 $205,000 $6,301 2.88%
Statesboro, GA (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.75%
ST. CLOUD, MN (FHA|USDA|VA) 1 $205,000 $205,000 $2,695 2.25%
JONESBORO, AR (FHA|USDA|VA) 1 $205,000 $205,000 $6,036 2.38%
Elizabeth City, NC (FHA|USDA|VA) 1 $205,000 $205,000 $7,471 2.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $7,151 2.75%
Warren, PA (FHA|USDA|VA) 1 $195,000 $195,000 $11,446 2.13%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $195,000 $195,000 $4,351 3.38%
Albemarle, NC (FHA|USDA|VA) 1 $195,000 $195,000 $6,007 2.25%
Pahrump, NV (FHA|USDA|VA) 1 $195,000 $195,000 $3,280 2.75%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,469 2.25%
Ontario, OR-ID (FHA|USDA|VA) 1 $185,000 $185,000 $4,257 2.88%
WHEELING, WV-OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,932 3.00%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $175,000 $175,000 $4,616 2.25%
BILLINGS, MT (FHA|USDA|VA) 1 $175,000 $175,000 $4,248 2.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $175,000 $175,000 $2,444 2.38%
Washington Court House, OH (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.00%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $165,000 $165,000 $5,348 2.63%
READING, PA (FHA|USDA|VA) 1 $165,000 $165,000 $7,415 2.75%
FLORENCE, SC (FHA|USDA|VA) 1 $165,000 $165,000 $4,776 2.50%
Greeneville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.25%
Winnemucca, NV (FHA|USDA|VA) 1 $155,000 $155,000 $5,643 3.25%
ODESSA, TX (FHA|USDA|VA) 1 $155,000 $155,000 $6,290 2.88%
Barre, VT (FHA|USDA|VA) 1 $145,000 $145,000 $4,500 2.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $125,000 $125,000 $3,010 2.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $125,000 $125,000 $6,725 2.75%
Ruston, LA (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.00%
Bartlesville, OK (FHA|USDA|VA) 1 $115,000 $115,000 $3,732 3.25%
Las Vegas, NM (FHA|USDA|VA) 1 $75,000 $75,000 $4,023 3.25%

Texana Bank's top markets include Dallas, Los Angeles, Washington, Riverside, and Austin among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 762 $250,500,000 $328,740 $5,075 2.96%
VA 184 $59,080,000 $321,087 $6,545 2.46%
FHA 24 $5,410,000 $225,417 $9,263 2.87%
USDA 3 $315,000 $105,000 $5,068 3.29%

For the 2021 period, Texana Bank's most frequently originated loan type of loans were Conventional, with 762 originations. Their 2nd most popular type is VA, with 184 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 639 $215,445,000 $337,160 $4,974 2.76%
Cash Out Refi 157 $46,475,000 $296,019 $8,102 2.82%
Home Purchase 120 $31,560,000 $263,000 $5,665 3.53%
Other 40 $15,060,000 $376,500 $3,751 2.65%
Home Improvement 15 $5,995,000 $399,667 $4,553 3.07%
NA 2 $770,000 $385,000 $3,332 2.50%

For the 2021, Texana Bank's most frequently cited loan purpose of loans were Refi, with 639 originations. The 2nd most popular reason of loans were Cash Out Refi, with 157 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 759 $253,765,000 $334,341 $5,590 2.82%
15 Year 101 $31,675,000 $313,614 $5,263 2.59%
20 Year 61 $20,395,000 $334,344 $4,612 2.67%
5 Year 23 $2,655,000 $115,435 $0 5.06%
Other 14 $2,980,000 $212,857 $4,514 3.40%
10 Year 13 $3,275,000 $251,923 $4,379 4.15%
30+ year 2 $560,000 $280,000 $5,545 4.13%

For the 2021, Texana Bank's most frequently cited loan length of loans were 30 Year, with 759 originations. The 2nd most popular length of loans were 15 Year, with 101 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 462 $166,350,000 $360,065
$5k+ 145 $47,825,000 $329,828
$3k-4k 138 $38,960,000 $282,319
$2k-3k 99 $30,175,000 $304,798
$<1k 46 $16,560,000 $360,000

$5,590 of loans were Texana Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 462 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
<2.5% 370 $140,450,000 $379,595
2.5-3% 339 $112,735,000 $332,552
3-4% 200 $51,780,000 $258,900
4-5% 54 $9,130,000 $169,074
5-6% 9 $1,175,000 $130,556
6-7% 1 $35,000 $35,000

During 2021, Texana Bank's average interest rate of loans were 2.82%, while their most frequently originated rate bucket of loans were <2.5%, with 370 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 476 $138,490,000 $290,945 $5,657 2.87%
$400k-600k 306 $143,850,000 $470,098 $5,255 2.54%
$100k-200k 154 $24,510,000 $159,156 $5,054 3.17%
$100,000 or less 30 $1,980,000 $66,000 $4,300 4.58%
$600k-1MM 5 $3,445,000 $689,000 $15,030 2.68%
$1MM+ 2 $3,030,000 $1,515,000 $8,463 3.81%

2021 saw Texana Bank place emphasis on $200k-400k loans with 476 originations, totaling $138,490,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 225 $81,725,000 $363,222 $5,424 2.82%
$150k-250k 202 $80,730,000 $399,653 $5,237 2.67%
$50k-75k 158 $40,150,000 $254,114 $5,926 2.97%
$75k-100k 142 $42,040,000 $296,056 $5,882 2.96%
$50k or less 84 $17,090,000 $203,452 $6,635 2.97%
$250k+ 59 $26,745,000 $453,305 $4,552 2.66%

Texana Bank lent most frequently to those with incomes in the $100k-150k range, with 225 originations. The second most popular income band? $150k-250k, with 202 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 172 $59,840,000 $347,907 $5,478 2.78%
20-30% 168 $59,650,000 $355,060 $4,740 2.69%
<20% 83 $25,275,000 $304,518 $4,322 3.20%
44% 50 $15,250,000 $305,000 $7,679 2.96%
42% 41 $13,325,000 $325,000 $6,696 2.79%
43% 37 $11,605,000 $313,649 $6,055 2.93%
39% 37 $11,205,000 $302,838 $5,139 3.03%
41% 35 $10,735,000 $306,714 $6,655 2.87%
37% 35 $13,555,000 $387,286 $5,290 2.76%
38% 33 $11,315,000 $342,879 $5,404 2.86%
40% 29 $10,495,000 $361,897 $4,851 2.66%
46% 25 $7,765,000 $310,600 $5,148 2.72%
50-60% 24 $6,960,000 $290,000 $7,972 2.69%
36% 24 $6,830,000 $284,583 $6,216 2.93%
49% 21 $6,505,000 $309,762 $7,307 2.83%
45% 18 $5,780,000 $321,111 $5,680 2.90%
>60% 17 $3,925,000 $230,882 $3,449 2.64%
47% 15 $5,675,000 $378,333 $5,401 2.83%
48% 13 $4,215,000 $324,231 $6,383 2.91%

Texana Bank lent most frequently to those with DTI ratios of 30-36%, with 172 originations. The next most common DTI ratio? 20-30%, with 168 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 512 $173,530,000 $338,926 $4,925 2.88%
Not provided 324 $100,070,000 $308,858 $6,469 2.67%
Asian 58 $22,220,000 $383,103 $4,664 2.67%
Black 38 $11,000,000 $289,474 $5,203 3.08%
Not applicable 33 $5,845,000 $177,121 $0 4.68%
American Indian 5 $1,525,000 $305,000 $4,231 2.63%
Filipino 1 $545,000 $545,000 $5,391 3.13%
Native Hawaiian 1 $315,000 $315,000 $6,308 3.25%
Other Pacific Islander 1 $255,000 $255,000 $2,650 3.50%

Approval Rates

Total approvals of all applications
86.33%

Texana Bank has an average approval rate.

Pick Rate

Approvals leading to origination
43.06%

Texana Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 973 $315,305,000 $324,054

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
973 $315,305,000 $324,054

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 46 $15,100,000 $328,261 $4,758 2.66%
40-60% 210 $71,740,000 $341,619 $4,951 2.75%
60-80% 448 $147,470,000 $329,174 $5,400 2.95%
80-100% 249 $74,555,000 $299,418 $6,243 2.89%
Over 100% 7 $2,635,000 $376,429 $6,911 2.36%
Under 20% 1 $515,000 $515,000 $11,060 2.25%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Texana Bank, National Association 3620 Richmond Road Texarkana, TX 75503 Full Service B&M $50,048
Texana Bank, National Association 3814 Gilmer Rd. Longview, TX 75604 Full Service B&M $37,665
Texana Bank, National Association 502 Arkansas Blvd Texarkana, AR 71854 Full Service B&M $33,455
Texana Bank, National Association 910 E. Marshall Longview, TX 75601 Full Service B&M $5,299
Texana Bank, National Association E Rush Street Linden, TX 75563 Full Service B&M $74,306

For 2021, Texana Bank had 5 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $10,981
Net interest income $10,035
Total noninterest income $9,042
Gross Fiduciary activities income $0
Service charges on deposit accounts $408
Trading account gains and fees $0
Additional Noninterest Income $8,634
Pre-tax net operating income $-72
Securities gains (or losses, -) $0
Income before extraordinary items $-143
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $-143
Minority interest net income $0
Net income $-143
Sale, conversion, retirement of capital stock, net $0
Net operating income $-143

Texana Bank's gross interest income from loans was $10,981,000.
Texana Bank's net interest income from loans was $10,035,000.
Texana Bank's fee based income from loans was $408,000.
Texana Bank's net income from loans was $-143,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $946
Provision for credit losses $350
Total noninterest expense $18,799
Salaries and employee benefits $11,928
Premises and equipment expense $1,250
Additional noninterest expense $5,621
Applicable income taxes $71
Net charge-offs $-9
Cash dividends $150

Texana Bank's interest expense for loans was $946,000.
Texana Bank's payroll and benefits expense were $11,928,000.
Texana Bank's property, plant and equipment expenses $1,250,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
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 $219,680
Deposits held in domestic offices $219,680
Deposits by Individuals, partnerships, and corporations $202,982
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $16,099
Deposits by Commercial banks and other depository institutions in U.S. $599
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $100,724
Demand deposits $94,262
Nontransaction accounts $118,956
Money market deposit accounts (MMDAs) $47,626
Other savings deposits (excluding MMDAs) $24,762
Total time deposits $46,568
Total time and savings deposits $125,418
Noninterest-bearing deposits $88,641
Interest-bearing deposits $131,039
Retail deposits $199,277
IRAs and Keogh plan accounts $3,212
Brokered deposits $10,105
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $251,923
Cash & Balances due from depository institutions $3,614
Interest-bearing balances $100
Total securities $9,464
Federal funds sold & reverse repurchase $12,227
Net loans and leases $212,122
Loan and leases loss allowance $2,579
Trading account assets $0
Bank premises and fixed assets $6,568
Other real estate owned $556
Goodwill and other intangibles $0
All other assets $7,372

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $251,923
Total Liabilities $231,306
Total deposits $219,680
Interest-bearing deposits $131,039
Deposits held in domestic offices $219,680
% insured (estimated) $62
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $10,118
Subordinated debt $0
All other liabilities $1,508

Issued Loan Types

Type Value (in 000's)
Net loans and leases $212,122
Loan and leases loss allowance $2,579
Total loans and leases (domestic) $214,701
All real estate loans $160,686
Real estate loans in domestic offices $160,686
Construction and development loans $10,385
Residential 1-4 family construction $4,382
Other construction, all land development and other land $6,003
Loans secured by nonfarm nonresidential properties $63,745
Nonfarm nonresidential secured by owner-occupied properties $26,022
Commercial real estate & other non-farm, non-residential $37,723
Multifamily residential real estate $5,146
1-4 family residential loans $69,273
Farmland loans $12,137
Loans held in foreign offices $0
Farm loans $12,120
Commercial and industrial loans $38,529
To non-U.S. addressees $0
Loans to individuals $3,366
Credit card loans $0
Related Plans $84
Consumer Auto Loans $1,223
Other loans to individuals $2,059
All other loans & leases $0
Loans to foreign governments and official institutions $0
Other loans $0
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

Texana Bank had $212,122,000 of loans outstanding in 2021. $160,686,000 of loans were in real estate loans. $10,385,000 of loans were in development loans. $5,146,000 of loans were in multifamily mortgage loans. $69,273,000 of loans were in 1-4 family mortgage loans. $12,120,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,223,000 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 119 $24,378 $204,857
Nonfarm, nonresidential loans - <$100k 50 $2,320 $46,400
Nonfarm, nonresidential loans - $100-250k 27 $3,490 $129,259
Nonfarm, nonresidential loans - $250k-1MM 42 $18,568 $442,095
Commercial & Industrial, US addressed loans - <$1MM 436 $25,834 $59,252
Commercial & Industrial, US addressed loans - <$100k 343 $7,277 $21,216
Commercial & Industrial, US addressed loans - $100-250k 51 $5,544 $108,706
Commercial & Industrial, US addressed loans - $250k-1MM 42 $13,013 $309,833
Farmland loans - <$1MM 70 $7,343 $104,900
Farmland loans - <$100k 39 $1,988 $50,974
Farmland loans - $100-250k 23 $3,131 $136,130
Farmland loans - $250k-1MM 8 $2,224 $278,000
Agriculture operations loans - <$1MM 115 $5,600 $48,696
Agriculture operations loans - <$100k 90 $2,242 $24,911
Agriculture operations loans - $100-250k 17 $1,730 $101,765
Agriculture operations loans - $250k-1MM 8 $1,628 $203,500