Austin Bank, Texas National Association mortgage approval rate & lending review
Austin Bank, Texas National Association decided 882 mortgage applications and funded 726 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Austin Bank, Texas National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Austin Bank, Texas National Association at a glance
Approval is 0.9 points above the 82.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 80% | 346 / 431 | 99% | $265K | 341 |
| Home improvement loans | 73% | 62 / 85 | 95% | $105K | 59 |
| Refinance | 71% | 55 / 78 | 100% | $135K | 55 |
| Investment property purchase | 97% | 224 / 231 | 99% | $195K | 221 |
| Investment refinance | 96% | 27 / 28 | 96% | $135K | 26 |
Austin Bank, Texas National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 84% | $195K | 877 | 721 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Austin Bank, Texas National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Smith County, TX | Mortgage lenders | 84% | 262 | 217 |
| Smith County, TX | Investment property purchase | 97% | 102 | 98 |
| Gregg County, TX | Investment property purchase | 97% | 67 | 64 |
| Gregg County, TX | Mortgage lenders | 71% | 77 | 54 |
| Smith County, TX | Home improvement loans | 71% | 48 | 34 |
| Smith County, TX | Refinance | 69% | 49 | 34 |
| Gregg County, TX | Home improvement loans | 74% | 23 | 15 |
The county markets where Austin Bank, Texas National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Austin Bank, Texas National Association
What is Austin Bank, Texas National Association's mortgage approval rate?
Austin Bank, Texas National Association approved 83.7% of the 882 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.9 points above the 82.8% national rate for the same mix of loan types.
How often do borrowers take the loan Austin Bank, Texas National Association offers?
Borrowers accepted 98% of the loans Austin Bank, Texas National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Austin Bank, Texas National Association make?
The typical home purchase mortgage loan Austin Bank, Texas National Association made was $265K; across all loan types its typical loan ran from $105K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Austin Bank, Texas National Association lend?
Austin Bank, Texas National Association decided applications in 6 of the states Fat Boy Data covers, most of them in Texas, California and Florida.
Can I apply to Austin Bank, Texas National Association directly?
Yes. Austin Bank, Texas National Association is a bank or credit union with 39 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Austin Bank, Texas National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Austin Bank, Texas National Association treats applications, then get a rate quote from the lender.