Lender in Texas · HMDA 2025
VeraBank, N.A. mortgages in Texas
VeraBank, N.A.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
VeraBank, N.A. originated 272 owner-occupied single-family loans in Texas from 325 completed applications.
Its median conventional purchase loan costs were $3,510 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.75% (Texas: 6.50%).
Loans in TX
272
of 325 applications
Denial rate
8.9%
Purchase · TX 10.2%
Rate spread
+0.27 pts
Conv. · TX +0.09 pts
Loan amount
$265,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 259 | 227 | 8.9% | 6.750% | +0.27 pts | $3,510 | $265,000 |
| Refinance | 54 | 34 | 37.0% | — | +0.66 pts | $3,160 | $145,000 |
| Cash-out refinance | 12 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where VeraBank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Anderson County | 4 | 22 | 6.7% |
| Panola County | 4 | 12 | 7.8% |
| Limestone County | 5 | 5 | 3.6% |
| Rusk County | 6 | 21 | 4.3% |
| Navarro County | 6 | 17 | 3.3% |
| Titus County | 6 | 11 | 5.0% |
| Marion County | 6 | 2 | 3.3% |
| Burleson County | 7 | 7 | 3.0% |
| Gregg County | 14 | 20 | 1.5% |
| Harrison County | 16 | 7 | 1.1% |
| Robertson County | 18 | 2 | 1.2% |
| Walker County | 19 | 7 | 1.3% |
| Leon County | 21 | 2 | 1.3% |
| Brazos County | 22 | 26 | 1.1% |
| Henderson County | 22 | 9 | 1.0% |
| Upshur County | 25 | 4 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology