We analyzed every closed loan from TexasBank — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Regional · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
Things to Think About
- Rates typically 127 basis points above market average
Explore another lender or local market
Report Card
TexasBank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+127.3 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
966 loans · 1.34% above market
Strong
Top 40% of lenders
4/5
FHA
78 loans · 0.68% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
942 loans · 1.31% above market
Strong
Top 40% of lenders
4/5
Refinance
111 loans · 0.94% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 966 | 91.7% | +1.339%Above | $3,143Fees | ||||
FHA Loans | 78 | 7.4% | +0.681%Above | $2,080Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume966
Mix91.7%
Spread
+1.339%Above
Fees
$3,143Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume78
Mix7.4%
Spread
+0.681%Above
Fees
$2,080Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 942 | 89.5% | +1.313%Above | $3,195Fees | ||||
Refinance | 111 | 10.5% | +0.940%Above | $1,872Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume942
Mix89.5%
Spread
+1.313%Above
Fees
$3,195Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume111
Mix10.5%
Spread
+0.940%Above
Fees
$1,872Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,053
Applications
1,497
Volume
$274 million
Pricing & Closing
Avg Rate Spread
+1.273%
vs. market APOR
Avg Net Fees
$3,052
Origination − Credits
Pullthrough Rate
70.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$260,499
Avg Borrower Income
$107,763
Avg Property Value
$321,306
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 1,0001,000+None
South3
FLOKTX
West1
WA
Top Metro Areas by Place Specialization Score
1© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 350Mix 33.24% of portfolio
87/100
Exceptional
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.