What loan types does Texas Regional Bank offer?

Texas Regional Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Texas Regional Bank offer mortgages?

Texas Regional Bank offers mortgages in 4 states: CO, KY, NM, TX.

How competitive are Texas Regional Bank's mortgage rates?

Texas Regional Bank has an overall pricing score of 21.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Texas Regional Bank?

Texas Regional Bank is a Bank headquartered in Harlingen, TX.

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Texas Regional Bank

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Texas Regional Bank has 75 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Sound

3/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

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

Texas Regional Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+27.5 bps above market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

63 loans · 0.28% above market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

11 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

67 loans · 0.31% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 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	Acceptable	Acceptable	Acceptable	Acceptable	63	84.0%	+0.278%Above	$3,642Fees
Jumbo Loans	Sound	Sound	—	—	11	14.7%	+0.247%Above	$9,688Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume63

Mix84.0%

Spread

+0.278%Above

Fees

$3,642Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix14.7%

Spread

+0.247%Above

Fees

$9,688Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Acceptable	67	89.3%	+0.313%Above	$4,005Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume67

Mix89.3%

Spread

+0.313%Above

Fees

$4,005Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

112

Volume

$36 million

Pricing & Closing

Avg Rate Spread

+0.275%

vs. market APOR

Avg Net Fees

$3,862

Origination − Credits

Pullthrough Rate

67.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$488,867

Avg Borrower Income

$277,600

Avg Property Value

$725,533

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

All statesNone

South2

KYTX

West2

CONM

Top Metro Areas by Place Specialization Score

McAllen, TXMetro

Volume 17Mix 22.67% of portfolio

56/100

Sound

Brownsville, TXMetro

Volume 10Mix 13.33% of portfolio

48/100

Sound

Austin, TXMetro

Volume 10Mix 13.33% of portfolio

46/100

Sound

Top States by Place Specialization Score

TexasState

Volume 72Mix 96.00% of portfolio

62/100

Strong

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.