Lender in Texas · HMDA 2025
Extraco Banks, N.A. mortgages in Texas
Extraco Banks, N.A.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Extraco Banks, N.A. originated 268 owner-occupied single-family loans in Texas from 297 completed applications.
Its median conventional purchase loan costs were $5,470 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.75% (Texas: 6.50%).
Loans in TX
268
of 297 applications
Denial rate
4.6%
Purchase · TX 10.2%
Rate spread
+0.07 pts
Conv. · TX +0.09 pts
Loan amount
$355,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 238 | 227 | 4.6% | 6.750% | +0.07 pts | $5,470 | $355,000 |
| Refinance | 32 | 24 | 25.0% | — | +0.13 pts | $5,030 | $275,000 |
| Cash-out refinance | 27 | 17 | 37.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Extraco Banks, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Baylor County | 10 | 1 | 3.6% |
| Hamilton County | 11 | 2 | 2.6% |
| Brazos County | 17 | 31 | 1.3% |
| Bell County | 20 | 86 | 1.2% |
| Falls County | 21 | 2 | 1.7% |
| Robertson County | 22 | 2 | 1.2% |
| McLennan County | 25 | 35 | 1.1% |
| Coryell County | 25 | 10 | 0.9% |
| Bosque County | 25 | 2 | 1.1% |
| Milam County | 25 | 2 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology