Armed Forces Bank in Texas vs the state
19.6%Denial rate+0.19 pts vs state
26.1%Decision denial rate+1.21 pts vs state
55.0%Origination rate+0.14 pts vs state
6.25%Median rate-0.25 pts vs state
-0.21Rate spread (pts)-0.40 pts vs state
$140kMedian applicant income
115Loans originated
41Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 180 | 112 | 7.2% | 6.06% | #428 |
| 2024 | 174 | 98 | 12.1% | 6.25% | #432 |
| 2025 | 209 | 115 | 19.6% | 6.25% | #408 |
What Armed Forces Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Armed Forces Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 28 | 16 | 3 | 10.7% |
| Bell County | 27 | 15 | 6 | 22.2% |
| El Paso County | 24 | 17 | 5 | 20.8% |
| Harris County | 23 | 12 | 2 | 8.7% |
| Tarrant County | 9 | 3 | 4 | 44.4% |
| Guadalupe County | 9 | 5 | 2 | 22.2% |
| Travis County | 7 | 3 | 3 | 42.9% |
| Comal County | 6 | 1 | 2 | 33.3% |
| Dallas County | 6 | 1 | 2 | 33.3% |
| Montgomery County | 6 | 2 | 3 | 50.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 209 applications in 2025, of which 115 were originated and 41 denied.
19.6% of all applications, or 26.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Armed Forces Bank originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Armed Forces Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology