Extraco Banks, National Association
Extraco Banks, National Association received 487 applications in 2025 and made 342 mortgages, in 58 counties across 3 states. The median rate its borrowers got was 6.500% on a median loan of $305,000. Of 393 decisions, 51 were denials — 13.0%, most often for credit history.
| Legal Entity Identifier | 549300F7S6KEMTKK0546 |
|---|---|
| Applications received | 487 |
| Mortgages made | 342 |
| Denied | 51 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 94 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.124 points |
| FDIC-insured bank | Yes: Extraco Banks, National Association, 16 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 272 | 6.375% | $335,000 | 4.2% |
| Refinancing | 34 | 6.750% | $255,000 | 22.7% |
| Cash-out refinancing | 19 | 7.125% | $115,000 | 36.7% |
| Other purposes | 17 | 7.375% | $85,000 | 51.4% |
Where Extraco Banks, 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 |
|---|---|---|---|
| Bell County, TX | 112 | 6.625% | 12.5% |
| McLennan County, TX | 48 | 6.563% | 9.4% |
| Brazos County, TX | 41 | 6.500% | 2.4% |
| Nueces County, TX | 36 | 6.375% | 18.2% |
| Coryell County, TX | 14 | 6.688% | 22.2% |
| Williamson County, TX | 6 | Under 10 loans | 0.0% |
| Harris County, TX | 5 | Under 10 loans | 0.0% |
| Travis County, TX | 5 | Under 10 loans | 0.0% |
| Robertson County, TX | 4 | Under 10 loans | 20.0% |
| San Patricio County, TX | 4 | Under 10 loans | 0.0% |
| Tarrant County, TX | 4 | Under 10 loans | 20.0% |
| Bastrop County, TX | 3 | Under 10 loans | 0.0% |
| Bexar County, TX | 3 | Under 10 loans | 0.0% |
| Burnet County, TX | 3 | Under 10 loans | 0.0% |
| Hamilton County, TX | 3 | Under 10 loans | 0.0% |
| Hill County, TX | 3 | Under 10 loans | 40.0% |
| Lampasas County, TX | 3 | Under 10 loans | 50.0% |
| Bee County, TX | 2 | Under 10 loans | 0.0% |
| Bosque County, TX | 2 | Under 10 loans | 33.3% |
| Brazoria County, TX | 2 | Under 10 loans | 0.0% |
| Comal County, TX | 2 | Under 10 loans | 0.0% |
| Dallas County, TX | 2 | Under 10 loans | 0.0% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Ector County, TX | 2 | Under 10 loans | 0.0% |
| Falls County, TX | 2 | Under 10 loans | 33.3% |
| Grimes County, TX | 2 | Under 10 loans | 0.0% |
| Hays County, TX | 2 | Under 10 loans | 0.0% |
| Milam County, TX | 2 | Under 10 loans | 0.0% |
| Montgomery County, TX | 2 | Under 10 loans | 0.0% |
| Smith County, TX | 2 | Under 10 loans | 0.0% |
| Long County, GA | 1 | Under 10 loans | 0.0% |
| McCurtain County, OK | 1 | Under 10 loans | 0.0% |
| Anderson County, TX | 1 | Under 10 loans | 0.0% |
| Aransas County, TX | 1 | Under 10 loans | 0.0% |
| Baylor County, TX | 1 | Under 10 loans | 0.0% |
| Burleson County, TX | 1 | Under 10 loans | 0.0% |
| Ellis County, TX | 1 | Under 10 loans | 0.0% |
| El Paso County, TX | 1 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 0.0% |
| Grayson County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 1 | Under 10 loans | 0.0% |
| Kerr County, TX | 1 | Under 10 loans | 50.0% |
| Limestone County, TX | 1 | Under 10 loans | 0.0% |
| Llano County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| Midland County, TX | 1 | Under 10 loans | 0.0% |
| Moore County, TX | 1 | Under 10 loans | 0.0% |
| Rusk County, TX | 1 | Under 10 loans | 0.0% |
| Andrews County, TX | 0 | Under 10 loans | Not published |
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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.