We analyzed every closed loan from Texana Bank — 654 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Mediocre
1/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
National · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Texana Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+33.7 bps above market avg
2/5
Pull Through
Closing strength
Mediocre
Bottom 20% of lenders
1/5
By Loan Product· Specialization by type
Conventional
256 loans · 0.45% above market
Sound
Top 60% of lenders
3/5
FHA
197 loans · 0.61% above market
Strong
Top 40% of lenders
4/5
VA
199 loans · 0.21% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
341 loans · 0.47% above market
Sound
Top 60% of lenders
3/5
Refinance
313 loans · 0.13% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
National · 13 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 256 | 39.1% | +0.454%Above | $2,371Fees | ||||
FHA Loans | 197 | 30.1% | +0.612%Above | $2,789Fees | ||||
VA Loans | 199 | 30.4% | -0.213%Below | $3,261Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughMediocre
Volume256
Mix39.1%
Spread
+0.454%Above
Fees
$2,371Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughAcceptable
Volume197
Mix30.1%
Spread
+0.612%Above
Fees
$2,789Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume199
Mix30.4%
Spread
-0.213%Below
Fees
$3,261Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 341 | 52.1% | +0.468%Above | $2,030Fees | ||||
Refinance | 313 | 47.9% | +0.130%Above | $3,704Fees |
Purchase
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume341
Mix52.1%
Spread
+0.468%Above
Fees
$2,030Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughMediocre
Volume313
Mix47.9%
Spread
+0.130%Above
Fees
$3,704Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
654
Applications
2,332
Volume
$207 million
Pricing & Closing
Avg Rate Spread
+0.337%
vs. market APOR
Avg Net Fees
$2,677
Origination − Credits
Pullthrough Rate
28.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$317,813
Avg Borrower Income
$109,049
Avg Property Value
$392,554
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
46
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
46Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast8
CTMEMANHNJNYPARI
Midwest10
IAILINKSMIMNMOOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 12 metro areas
Top States by Place Specialization Score
Showing 10 of 21 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.