VeraBank, National Association
VeraBank, National Association received 672 applications in 2025 and made 473 mortgages, in 62 counties across 6 states. The median rate its borrowers got was 7.375% on a median loan of $225,000. Of 572 decisions, 86 were denials — 15.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930087FQP1S845Z665 |
|---|---|
| Applications received | 672 |
| Mortgages made | 473 |
| Denied | 86 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 100 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.409 points |
| FDIC-insured bank | Yes: VeraBank, National Association, 43 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 355 | 7.375% | $245,000 | 6.9% |
| Refinancing | 58 | 7.925% | $155,000 | 25.6% |
| Cash-out refinancing | 11 | 6.625% | $165,000 | 8.3% |
| Other purposes | 49 | 8.000% | $75,000 | 42.2% |
Where VeraBank, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Smith County, TX | 52 | 7.750% | 13.3% |
| Gregg County, TX | 46 | 7.625% | 13.0% |
| Brazos County, TX | 45 | 7.250% | 4.3% |
| Rusk County, TX | 39 | 7.250% | 14.9% |
| Anderson County, TX | 31 | 7.375% | 13.5% |
| Navarro County, TX | 28 | 7.450% | 21.1% |
| Travis County, TX | 26 | 7.375% | 10.3% |
| Harrison County, TX | 23 | 8.250% | 20.0% |
| Titus County, TX | 21 | 7.500% | 24.1% |
| Panola County, TX | 19 | 7.250% | 17.4% |
| Henderson County, TX | 17 | 7.500% | 20.8% |
| Bell County, TX | 11 | 7.850% | 7.7% |
| Hays County, TX | 11 | 7.375% | 15.4% |
| Walker County, TX | 10 | 7.375% | 16.7% |
| Williamson County, TX | 9 | Under 10 loans | 0.0% |
| Burleson County, TX | 7 | Under 10 loans | 0.0% |
| Angelina County, TX | 6 | Under 10 loans | 0.0% |
| Freestone County, TX | 5 | Under 10 loans | 0.0% |
| Limestone County, TX | 5 | Under 10 loans | 50.0% |
| Montgomery County, TX | 5 | Under 10 loans | 0.0% |
| Cherokee County, TX | 4 | Under 10 loans | 33.3% |
| Harris County, TX | 4 | Under 10 loans | 20.0% |
| Upshur County, TX | 4 | Under 10 loans | 0.0% |
| Grimes County, TX | 3 | Under 10 loans | 0.0% |
| Leon County, TX | 3 | Under 10 loans | 0.0% |
| Llano County, TX | 3 | Under 10 loans | 0.0% |
| Marion County, TX | 3 | Under 10 loans | 40.0% |
| Nacogdoches County, TX | 3 | Under 10 loans | 0.0% |
| Robertson County, TX | 3 | Under 10 loans | 0.0% |
| La Plata County, CO | 2 | Under 10 loans | 0.0% |
| Ellis County, TX | 2 | Under 10 loans | 33.3% |
| Franklin County, TX | 2 | Under 10 loans | 0.0% |
| Morris County, TX | 2 | Under 10 loans | 0.0% |
| Parker County, TX | 2 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 0.0% |
| Bastrop County, TX | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 0.0% |
| Bowie County, TX | 1 | Under 10 loans | 0.0% |
| Camp County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Hood County, TX | 1 | Under 10 loans | 0.0% |
| Houston County, TX | 1 | Under 10 loans | 0.0% |
| Jefferson County, TX | 1 | Under 10 loans | 0.0% |
| Kerr County, TX | 1 | Under 10 loans | 0.0% |
| Madison County, TX | 1 | Under 10 loans | 50.0% |
| Shelby County, TX | 1 | Under 10 loans | 0.0% |
| Richmond city, VA | 1 | Under 10 loans | 0.0% |
Get told when this changes
When VeraBank, National Association’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.