Mortgage Lender Index

Austin Bank, Texas National Association

Austin Bank, Texas National Association received 953 applications in 2025 and made 644 mortgages, in 60 counties across 6 states. The median rate its borrowers got was 7.500% on a median loan of $185,000. Of 814 decisions, 158 were denials — 19.4%, most often for credit history.

Legal Entity Identifier5493008R64K2UUN2NP30
Applications received953
Mortgages made644
Denied158
Approved, not taken up12
Withdrawn or incomplete139
Loans bought from other lenders0
Median rate spread over the prime offer rate0.961 points
FDIC-insured bankYes: Austin Bank, Texas National Association, 39 offices

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase435 7.200%$245,000 13.6%
Refinancing88 8.000%$140,000 20.7%
Cash-out refinancing5 Under 10 loansUnder 10 loans 16.7%
Other purposes116 8.000%$75,000 34.4%

Where Austin Bank, Texas National Association lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Smith County, TX 1517.350%15.5%
Cherokee County, TX 1027.350%23.0%
Gregg County, TX 537.900%14.1%
Nacogdoches County, TX 487.675%13.8%
Anderson County, TX 358.000%9.8%
Harrison County, TX 307.800%25.0%
Angelina County, TX 297.350%19.4%
Upshur County, TX 298.000%27.5%
Rusk County, TX 207.450%20.0%
Van Zandt County, TX 207.550%19.2%
Montgomery County, TX 188.000%33.3%
Harris County, TX 167.350%15.0%
Henderson County, TX 107.650%9.1%
Shelby County, TX 8Under 10 loans33.3%
Rains County, TX 7Under 10 loans22.2%
Wood County, TX 7Under 10 loans22.2%
Brazos County, TX 5Under 10 loans0.0%
Collin County, TX 5Under 10 loans0.0%
Camp County, TX 4Under 10 loans0.0%
Liberty County, TX 4Under 10 loans60.0%
Panola County, TX 4Under 10 loans20.0%
Trinity County, TX 3Under 10 loans25.0%
Dallas County, TX 2Under 10 loans0.0%
Hardin County, TX 2Under 10 loans0.0%
Midland County, TX 2Under 10 loans0.0%
Morris County, TX 2Under 10 loans0.0%
Polk County, TX 2Under 10 loans0.0%
Walker County, TX 2Under 10 loans0.0%
Caddo Parish, LA 1Under 10 loans0.0%
Flathead County, MT 1Under 10 loans0.0%
Carteret County, NC 1Under 10 loans0.0%
Le Flore County, OK 1Under 10 loans0.0%
Bowie County, TX 1Under 10 loans0.0%
Cameron County, TX 1Under 10 loans0.0%
Cass County, TX 1Under 10 loans0.0%
Denton County, TX 1Under 10 loans0.0%
Fort Bend County, TX 1Under 10 loans0.0%
Galveston County, TX 1Under 10 loans0.0%
Grimes County, TX 1Under 10 loans66.7%
Hopkins County, TX 1Under 10 loans0.0%
Hunt County, TX 1Under 10 loans0.0%
Jack County, TX 1Under 10 loans0.0%
Kaufman County, TX 1Under 10 loans0.0%
Knox County, TX 1Under 10 loans0.0%
McLennan County, TX 1Under 10 loans0.0%
Marion County, TX 1Under 10 loans0.0%
Matagorda County, TX 1Under 10 loans0.0%
Sabine County, TX 1Under 10 loans0.0%
San Jacinto County, TX 1Under 10 loans75.0%
Tarrant County, TX 1Under 10 loans0.0%

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When Austin Bank, Texas National Association’s figures are published for the next year, or restated.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.