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VeraBank

Bank•Henderson, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from VeraBank — 405 loans across 529 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

VeraBank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+42.6 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
378 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
Jumbo
21 loans · 0.12% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
362 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
Refinance
43 loans · 0.41% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume378
Mix93.3%
Spread
+0.450%Above
Fees
$917Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume21
Mix5.2%
Spread
-0.117%Below
Fees
$673Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume362
Mix89.4%
Spread
+0.428%Above
Fees
$782Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume43
Mix10.6%
Spread
+0.409%Above
Fees
$1,860Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
405
Applications
529
Volume
$140 million
Pricing & Closing
Avg Rate Spread
+0.426%
vs. market APOR
Avg Net Fees
$907
Origination − Credits
Pullthrough Rate
76.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$346,383
Avg Borrower Income
$158,620
Avg Property Value
$471,914

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
All statesNone
South2
ARTX

Top Metro Areas by Place Specialization Score

1© Billy Hathorn · CC BY-SA 3.0
Longview, TXMetro
Volume 73Mix 18.02% of portfolio
83/100
Exceptional
2© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 140Mix 34.57% of portfolio
78/100
Strong
3© 归零者 · CC BY-SA 4.0
College Station, TXMetro
Volume 39Mix 9.63% of portfolio
74/100
Strong
4© Billy Hathorn · CC BY-SA 3.0
Tyler, TXMetro
Volume 42Mix 10.37% of portfolio
74/100
Strong
5© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 11Mix 2.72% of portfolio
40/100
Acceptable

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 404Mix 99.75% of portfolio
76/100
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
Champion(80%+ = 40-50 points)
Superstar
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.