Texas Heritage National Bank
Texas Heritage National Bank received 98 applications in 2025 and made 77 mortgages, in 26 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 84 decisions, 6 were denials — 7.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493004KLDVVA608R237 |
|---|---|
| Applications received | 98 |
| Mortgages made | 77 |
| Denied | 6 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Texas Heritage National Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 53 | Not published | $245,000 | 1.8% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 10 | Not published | $250,000 | 23.1% |
| Other purposes | 10 | Not published | $110,000 | 0.0% |
Where Texas Heritage National Bank lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hopkins County, TX | 14 | Not published | 0.0% |
| Upshur County, TX | 12 | Not published | 0.0% |
| Morris County, TX | 11 | Not published | 0.0% |
| Gregg County, TX | 5 | Under 10 loans | 0.0% |
| Hunt County, TX | 5 | Under 10 loans | 16.7% |
| Cass County, TX | 4 | Under 10 loans | 0.0% |
| Dallas County, TX | 3 | Under 10 loans | 0.0% |
| Franklin County, TX | 3 | Under 10 loans | 25.0% |
| Travis County, TX | 3 | Under 10 loans | 0.0% |
| Camp County, TX | 2 | Under 10 loans | 0.0% |
| Harrison County, TX | 2 | Under 10 loans | 0.0% |
| Titus County, TX | 2 | Under 10 loans | 0.0% |
| Wood County, TX | 2 | Under 10 loans | 0.0% |
| Douglas County, NV | 1 | Under 10 loans | 0.0% |
| Bowie County, TX | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Cameron County, TX | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Lamar County, TX | 1 | Under 10 loans | 0.0% |
| Rains County, TX | 1 | Under 10 loans | 0.0% |
| Red River County, TX | 1 | Under 10 loans | 0.0% |
| Rusk County, TX | 1 | Under 10 loans | 0.0% |
| Delta County, TX | 0 | Under 10 loans | 100.0% |
| Johnson County, TX | 0 | Under 10 loans | 100.0% |
| Kaufman County, TX | 0 | Under 10 loans | 100.0% |
| Tarrant County, TX | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Texas Heritage National Bank’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.