A credit check and a loan approval are different steps.
Worried that checking your mortgage options will hurt your credit? The important question is which type of credit inquiry the lender uses. The name “pre-qualification” alone does not tell you that.
The Consumer Financial Protection Bureau (CFPB) distinguishes soft inquiries, which do not affect credit scores, from hard inquiries, which can. Its definitions explain credit reporting; Texana’s own application explains the bank’s pre-qualification process.
Bottom line: Texana’s online authorization specifies a soft inquiry for pre-qualification only. Pre-qualification is not an approval or commitment to lend.
The CFPB Definitions
Soft inquiry. Hard inquiry. Different effects.
Soft inquiry
The CFPB says soft inquiries do not affect credit scores. Examples include checking your own report and certain account reviews.
Hard inquiry
Lenders often make a hard inquiry after you apply for credit. It can affect your score.
Ask before authorizing
Ask the lender to identify the inquiry type and explain the next step. Do not assume every lender uses the same pre-qualification process.
The Rest of the Picture
What lenders still need to understand.
The inquiry type answers a credit-reporting question. It does not, by itself, answer whether a mortgage fits your circumstances.
Income, assets and debts
Expect questions about your income, available assets and existing obligations, as well as your credit history. Texana’s application asks for this information to help a mortgage banker discuss options with you.
Debt-to-income ratio
The CFPB defines debt-to-income ratio (DTI) as monthly debt payments divided by gross monthly income. Gross income is income before taxes and deductions. Product and lender limits vary; there is no single DTI cutoff promised on this page.
How Texana describes pre-qualification
Texana’s Apply page states that its pre-qualification review uses a soft credit inquiry. The authorization says this does not affect your credit score and is for pre-qualification only. That is Texana’s description of its process, separate from the CFPB’s general definitions.
If you decide to move forward
A later full application may involve a hard inquiry. Ask your mortgage banker what additional authorization, documents and review will be needed. A preliminary conversation or soft inquiry does not guarantee a loan, rate or loan amount.
Common Traps
Three assumptions to leave behind.
“Pre-qualified” means “approved”
A preliminary review is a starting point. The application itself says it is not an approval or commitment to lend.
One score tells the whole story
Do not decide your mortgage options from a single score or an online rule of thumb. Ask for a review of your circumstances.
A soft inquiry removes every later step
Checking options is the beginning of the conversation. Ask what happens if you choose to proceed with a loan application.
Sources and Further Reading
Read the definitions and the authorization.
Sources checked September 14, 2026. The CFPB provides the inquiry and DTI definitions. Texana’s Apply page is the source for the bank’s pre-qualification statements. Educational content only; no approval, rate or eligibility is promised.
No. The inquiry type matters. The CFPB says soft inquiries do not affect credit scores; hard inquiries can. Ask which type the lender uses.
A review such as checking your own credit report or an existing-account review. According to the CFPB, soft inquiries do not affect credit scores.
A credit check often made by a lender after you apply for credit. The CFPB explains that hard inquiries can affect your credit score.
Yes. Texana’s Apply page describes a soft inquiry for pre-qualification only. Read its authorization before submitting. Pre-qualification is not an approval or commitment to lend.
A mortgage review considers more than the inquiry type. DTI compares monthly debts with gross monthly income; the CFPB notes that limits vary by lender and product.
Use texanamtg.com/apply/, call (888) 272-8264, or schedule a consultation. Pre-qualification is not loan approval.
Reviews
What borrowers say about Texana Bank
Real reviews from real borrowers, pulled live from our Google Business Profile.
Texana Bank helped me with the purchase of my third home, and honestly, the experience was the smoothest of all three home purchases. I only worked with Lynette, but she was friendly, helpful, and courteous at all times. She was extremely patient with me, and she took time to answer all my questions. Even more impressive is that the bank worked with me through a challenging employment situation. Never once was I made to feel bad about asking questions, and Lynette's responses were lightning fast. This was one of the best experiences I have ever had with any company, bar none. I highly recommend Texana Bank to anyone.
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Mikayla Irwin
★★★★★
Lynette Heck is the best to work with. No matter what we needed, she was on top of it and thinking of things way before we needed it! We really appreciate everything she did for us!
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Mark Sherrard
★★★★★
Overdue but thanks again Adam, I appreciate you going above and beyond to make sure my family got our dream home. 10 stars.
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Carson Romero
★★★★★
My experience with Lynette was the best and easiest experience it could’ve possibly been when being a first time home buyer. She’s very kind, communicative, reliable, and so much more! It made the whole process that much less stressful and overwhelming. So blessed to have had her on my side!
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Zane Atkins
★★★★★
Parker McMahan has helped us with 3 mortgages and a refi in part few years. Always great service-always honest advice. Texana will be my “go to” for mortgage advice and activity from here on. They are also great in the area of VA home loans.
G
Gary McDay
★★★★★
I had an excellent experience working with my texana bank mortgage from start to finish. They were extremely professional, knowledgeable, responsive, and made the entire mortgage process feel much easier than I expected.
They took the time to explain everything clearly, answered all of my questions, and kept me informed throughout the entire process. I always felt like I had someone in my corner who genuinely cared about helping me reach my goals.
If you’re looking for a mortgage broker who is trustworthy, dependable, and willing to go the extra mile for their clients, I highly recommend them. I truly appreciate all of their hard work and would definitely work with them again!
K
Kent Sisco
★★★★★
Adam McCormick is fantastic! Easy to work with and keep me informed every step of the way! Looking forward to working with him again in the future
A
Andrea Ferrell
★★★★★
Adam was phenomenal from start to finish! He was friendly and professional. He assisted me every step of the way, walking me through the process with ease. He was always there for whatever questions I had. He was very, very patient and always reached out to me in a timely manner if I contacted him and he was unavailable at the time. Moreover, he made me feel as if he cared for more than just my loan, but me as a person!!! Texana is blessed to have him as an associate!!
Andrea
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Clay Ragsdale
★★★★★
Where to really start. Adam walked me through everything and put me at ease. I have had some bad experiences with other companies so I was digging and looking for any red flag. There was none with him and his direct talk is what did it for me. Someone that is real and just says what it is. No false hope or misdirection at anytime.
I would recommend him to anyone and definitely Someone looking for honesty and caring. The communication is top notch and a true professional.
Respectfully,
Clay
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Belvia Lynn
★★★★★
My overall experience while working with Adam McCormick was excellent. He was very pleasant and professional.
J
Joseph Hardman
★★★★★
Adam McCormick is an absolute professional in every sense of the word. I will NEVER use any other loan officer for my financials other than Adam as long as he is in the business. His work as my loan officer was exceptional. Throughout the process, he always responded to an e-mail, responded to a text, called right back if not answering immediately. He always made you feel as though you were his only client. There was never the impression he had more important things to do other than speak with you. He worked with us through a death in the family, personal issues, and numerous other challenges. It's possible other loan officers would have given up on us during this process, but Adam stuck with us through it all. His work ethic is amazing. He is an expert in his craft. I could not possibly give a higher recommendation, he has redefined what right looks like in this business.
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Marsha Kessler-Bradshaw
★★★★★
I was about to go with another company for this refinance no cash out until I received a call from this Adam McCormick. He was so knowledgeable and made me feel very comfortable with this process. Adam is knowledgeable ,courteous, understanding and has a real passion and patience for people. 👍We are at the closing. Thank you Adam McCormick!!
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Peter Jenkins
★★★★★
My situation had its difficulties. Justin was confident and persistent through the process and we the got the result
D
Dale Samuel
★★★★★
Mark has been very professional and has been very respectful to my wife and myself.
Mark has shown that genuine human qualities and really worked with us and for us.
This actually been a pleasure to get to know Mark.
J
James Fields
★★★★★
Outstanding Service and support from a truly Customer Oriented Agent! My pleasure to have worked with Mr. MCcormick.! Would follow him to next source if necessary. He is concerned in an outstanding balanced way. My pleasure to?know and do Business with him and The Bank!
JFields
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Rose Stone-Stewart
★★★★★
Texana Bank was there for us throughout the entire process. Their personableness, as well, their professionalism. As a financial institution it was nice to know that while obtaining a loan, we had a safe place to relay. They are absolutely “by the book” and at the same time makes the process easier to participate. The hospitality and genuine concern as clients was overwhelming of which we will always consider Texana Bank first, before mostly any other financial institution.
M
Mitchell Morris
★★★★★
Greg was awesome and the process was simple. I have nothing but the highest praise for the process and for Greg himself. Thank you.
R
Ronald Bylsma
★★★★★
Best refi experience of our lives, Andre was very knowledgeable and always kept us calm when things got stressful. Would recommend Mr. Andre Floyd to anyone looking for a great lending officer!