Ralph Watkins

Mortgage Loan Officer
NMLS #2035225
(727) 424-4000

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At Texana Bank, we understand that buying a home is a big deal! It’s probably one of the biggest financial decisions you’ll ever make.
You want to make sure you partner with someone who will help you make the best decision, someone like Ralph. Here’s a little about him…

28 years ago, Ralph embarked on a journey in the mortgage industry, starting as a simple Loan Officer. His initial days were filled with learning and adapting, but he soon found myself at the helm of a mortgage office, transforming its prospects from modest beginnings to a thriving hub of activity.

His journey didn’t stop there. With the invaluable support of his wife, who joined him from her career in dental office management, they founded their own mortgage company. What began as a vision to close 8-10 loans per month burgeoned into one of Florida’s largest private lending firms. This growth was accompanied by the establishment of their title, construction, and real estate holding companies, marking a holistic approach to property financing and development.

Ralph’s goal with every client is to relate to them, understand their wants and needs, always keep them informed, and help them find the best home financing for their situation.
He knows how intimidating and frustrating the mortgage process can be, and that’s why he will do everything he can to make sure he provides an exceptional experience.

Together, we are redefining the landscape of mortgage and real estate services, setting new standards of success and professional fulfillment and we are creating a future where our collective potential is not just realized but surpassed.

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Finally, a bank that’s honest and grows for the right reasons.
Jim P. – Longview, TX