TEXAS MORTGAGE BANK We transitioned from a mortgage broker to a mortgage bank in 2008 to offer the best service and pricing to our clients. As a mortgage bank, we usually underwrite our loans with an on-staff underwriter. This means we usually close our loans faster than a traditional broker. And since we have several branches, our volume ensures a very competitive rate. Finally, since we are an INDEPENDENT Bank, we can shop your loan just like a broker does, to search for the best product and price in the industry.