Austin Bank, Texas in Texas vs the state
16.7%Denial rate-2.76 pts vs state
19.5%Decision denial rate-5.39 pts vs state
67.5%Origination rate+12.63 pts vs state
7.50%Median rate+1.00 pts vs state
0.96Rate spread (pts)+0.77 pts vs state
$124kMedian applicant income
640Loans originated
158Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,176 | 786 | 17.7% | 7.15% | #134 |
| 2024 | 970 | 632 | 17.8% | 7.90% | #169 |
| 2025 | 948 | 640 | 16.7% | 7.50% | #174 |
What Austin Bank, Texas lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Austin Bank, Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Smith County | 214 | 151 | 28 | 13.1% |
| Cherokee County | 153 | 102 | 31 | 20.3% |
| Gregg County | 69 | 53 | 9 | 13.0% |
| Nacogdoches County | 64 | 48 | 8 | 12.5% |
| Anderson County | 51 | 35 | 4 | 7.8% |
| Upshur County | 50 | 29 | 11 | 22.0% |
| Harrison County | 44 | 30 | 10 | 22.7% |
| Angelina County | 41 | 29 | 7 | 17.1% |
| Montgomery County | 34 | 18 | 9 | 26.5% |
| Rusk County | 30 | 20 | 5 | 16.7% |
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: 948 applications in 2025, of which 640 were originated and 158 denied.
16.7% of all applications, or 19.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Austin Bank, Texas originated in Texas in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Austin Bank, Texas'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