VeraBank, National Association mortgage approval rate & lending review
VeraBank, National Association decided 1,155 mortgage applications and funded 1,045 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions VeraBank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
VeraBank, National Association at a glance
Approval is 9.2 points above the 84.1% 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 | 94% | 651 / 694 | 97% | $305K | 632 |
| Home improvement loans | 83% | 71 / 86 | 93% | $65K | 66 |
| Refinance | 82% | 65 / 79 | 97% | $135K | 63 |
| Investment property purchase | 100% | 242 / 243 | 98% | $255K | 237 |
| Investment refinance | 93% | 26 / 28 | 100% | $175K | 26 |
VeraBank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 93% | $305K | 1,144 | 1,034 |
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 VeraBank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Travis County, TX | Mortgage lenders | 92% | 182 | 164 |
| Smith County, TX | Mortgage lenders | 95% | 123 | 115 |
| Brazos County, TX | Mortgage lenders | 96% | 103 | 97 |
| Smith County, TX | Investment property purchase | 100% | 87 | 86 |
| Gregg County, TX | Mortgage lenders | 88% | 83 | 68 |
| Gregg County, TX | Investment property purchase | 100% | 59 | 59 |
| Brazos County, TX | Investment property purchase | 100% | 42 | 41 |
| Smith County, TX | Home improvement loans | 84% | 31 | 25 |
| Gregg County, TX | Refinance | 75% | 20 | 15 |
The county markets where VeraBank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about VeraBank, National Association
What is VeraBank, National Association's mortgage approval rate?
VeraBank, National Association approved 93.2% of the 1,155 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 84.1% national rate for the same mix of loan types.
How often do borrowers take the loan VeraBank, National Association offers?
Borrowers accepted 97% of the loans VeraBank, 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 VeraBank, National Association make?
The typical home purchase mortgage loan VeraBank, National Association made was $305K; across all loan types its typical loan ran from $65K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does VeraBank, National Association lend?
VeraBank, National Association decided applications in 9 of the states Fat Boy Data covers, most of them in Texas, Arkansas and Florida.
Can I apply to VeraBank, National Association directly?
Yes. VeraBank, National Association is a bank or credit union with 42 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show VeraBank, 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 VeraBank, National Association treats applications, then get a rate quote from the lender.