Extraco Banks, National Association mortgage approval rate & lending review
Extraco Banks, National Association decided 961 mortgage applications and funded 885 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Extraco Banks, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Extraco Banks, National Association at a glance
Approval is 7.2 points above the 85.0% 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 | 96% | 630 / 655 | 100% | $335K | 629 |
| Cash-out refinance | 57% | 23 / 40 | 100% | $125K | 23 |
| Refinance | 78% | 63 / 81 | 100% | $185K | 63 |
| Investment property purchase | 98% | 126 / 128 | 100% | $235K | 126 |
| Investment refinance | 79% | 27 / 34 | 100% | $195K | 27 |
Extraco Banks, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 92% | $335K | 950 | 875 |
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 Extraco Banks, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bell County, TX | Mortgage lenders | 94% | 240 | 225 |
| Brazos County, TX | Mortgage lenders | 99% | 123 | 122 |
| McLennan County, TX | Mortgage lenders | 97% | 79 | 77 |
| Nueces County, TX | Mortgage lenders | 94% | 79 | 74 |
| Bell County, TX | Investment property purchase | 100% | 45 | 45 |
| Brazos County, TX | Investment property purchase | 100% | 44 | 44 |
| Bell County, TX | Refinance | 80% | 44 | 35 |
| Bell County, TX | Cash-out refinance | 64% | 22 | 14 |
The county markets where Extraco Banks, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Extraco Banks, National Association
What is Extraco Banks, National Association's mortgage approval rate?
Extraco Banks, National Association approved 92.2% of the 961 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.2 points above the 85.0% national rate for the same mix of loan types.
How often do borrowers take the loan Extraco Banks, National Association offers?
Borrowers accepted 100% of the loans Extraco Banks, 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 Extraco Banks, National Association make?
The typical home purchase mortgage loan Extraco Banks, National Association made was $335K; across all loan types its typical loan ran from $125K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Extraco Banks, National Association lend?
Extraco Banks, National Association decided applications in 10 of the states Fat Boy Data covers, most of them in Texas, Florida and New Mexico.
Can I apply to Extraco Banks, National Association directly?
Yes. Extraco Banks, National Association is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Extraco Banks, 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 Extraco Banks, National Association treats applications, then get a rate quote from the lender.