Texas National Bank mortgage approval rate & lending review
Texas National Bank decided 393 mortgage applications and funded 283 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Texas National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Texas National Bank at a glance
Approval is 8.9 points above the 80.9% 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 | 95% | 125 / 132 | 89% | $205K | 111 |
| Refinance | 89% | 117 / 131 | 64% | $255K | 75 |
| Investment property purchase | 96% | 54 / 56 | 96% | $165K | 52 |
| Investment cash-out refinance | 89% | 31 / 35 | 90% | $255K | 28 |
Texas National Bank lending by state
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 Texas National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hidalgo County, TX | Mortgage lenders | 94% | 66 | 51 |
| Hidalgo County, TX | Refinance | 88% | 90 | 44 |
| Hidalgo County, TX | Investment property purchase | 94% | 35 | 31 |
| Cameron County, TX | Refinance | 92% | 39 | 30 |
| Cameron County, TX | Investment property purchase | 100% | 20 | 20 |
| Hidalgo County, TX | Investment cash-out refinance | 87% | 23 | 18 |
The county markets where Texas National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Texas National Bank
What is Texas National Bank's mortgage approval rate?
Texas National Bank approved 89.8% of the 393 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.9 points above the 80.9% national rate for the same mix of loan types.
How often do borrowers take the loan Texas National Bank offers?
Borrowers accepted 80% of the loans Texas National Bank 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 Texas National Bank make?
The typical home purchase mortgage loan Texas National Bank made was $205K; across all loan types its typical loan ran from $165K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Texas National Bank lend?
Texas National Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and Tennessee.
Can I apply to Texas National Bank directly?
Yes. Texas National Bank 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 Texas National Bank'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 Texas National Bank treats applications, then get a rate quote from the lender.