Texana Bank Mortgage Rates, Fees & Info

Linden, TX

LEI: 549300RM1IZYGQDSNL85

Tax ID: 75-0269610

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

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Texana Bank is a smaller bank specializing in 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 by origination volume include: Dallas, Los Angeles, Washington, Riverside, and Austin among others. We have data for 209 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Texana Bank 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. Texana Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.98% 11/27/22
    30 Year Conventional Refi 6.66% 11/27/22
    30 Year Cash-out Refi 6.89% 11/27/22
    30 Year FHA Purchase 7.80% 11/27/22
    30 Year FHA Refi 7.46% 11/27/22
    30 Year VA Purchase 6.34% 11/27/22
    30 Year VA Refi 6.18% 11/27/22
    30 Year USDA Purchase 7.66% 11/27/22
    15 Year Conventional Purchase 6.40% 11/27/22
    15 Year Conventional Refi 5.94% 11/27/22
    15 Year Cash-out Refi 5.94% 11/27/22
    15 Year FHA Refi 6.92% 11/27/22
    15 Year VA Refi 5.88% 11/27/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    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 mortgage rate was 2.82%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.33%.

    Relative Fees (Closing Costs)

    Texana Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,590.

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

    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
    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.

    Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 755 $248,765,000 $329,490 $5,075 2.96%
    VA 182 $58,690,000 $322,473 $6,545 2.46%
    FHA 24 $5,410,000 $225,417 $9,263 2.87%
    HELOC 7 $1,735,000 $247,857 n/a 3.11%
    USDA 3 $315,000 $105,000 $5,068 3.29%
    VA 2 $390,000 $195,000 $0 2.88%

    For 2021, Texana Bank's most frequently originated type of loan was Conventional, with 755 originations. Their 2nd most popular type was VA, with 182 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Texana Bank's most frequently cited loan purpose was Refi, with 639 originations. The 2nd most popular reason was 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 2021, Texana Bank's most frequently cited loan duration was 30 Year, with 759 originations. The 2nd most popular length was 15 Year, with 101 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 462 $166,350,000 $360,065
    $5k+ 145 $47,825,000 $329,828
    $2k-3k 99 $30,175,000 $304,798
    $3k-4k 74 $21,060,000 $284,595
    $4k-5k 64 $17,900,000 $279,688
    $<1k 46 $16,560,000 $360,000

    Texana Bank's average total fees were $5,590, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.82%, while their most frequently originated rate bucket for loans was <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 or Islander 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
    71.77%

    Texana Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    89.93%

    Texana Bank has an average pick rate.

    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