Axos Bank in Texas vs the state
17.2%Denial rate-2.19 pts vs state
38.5%Decision denial rate+13.56 pts vs state
26.4%Origination rate-28.44 pts vs state
6.63%Median rate+0.13 pts vs state
-0.04Rate spread (pts)-0.23 pts vs state
$182kMedian applicant income
23Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 180 | 51 | 20.6% | 6.88% | #429 |
| 2024 | 119 | 31 | 16.8% | 7.38% | #523 |
| 2025 | 87 | 23 | 17.2% | 6.63% | #589 |
What Axos Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Axos Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 17 | 7 | 3 | 17.6% |
| Travis County | 11 | 3 | 1 | 9.1% |
| Tarrant County | 10 | 2 | 2 | 20.0% |
| Dallas County | 6 | 1 | 0 | 0.0% |
| Collin County | 5 | 0 | 2 | 40.0% |
| Bexar County | 4 | 1 | 1 | 25.0% |
| Fort Bend County | 4 | 0 | 1 | 25.0% |
| Erath County | 3 | 1 | 1 | 33.3% |
| Bell County | 3 | 1 | 0 | 0.0% |
| Denton County | 3 | 1 | 0 | 0.0% |
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: 87 applications in 2025, of which 23 were originated and 15 denied.
17.2% of all applications, or 38.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Axos Bank originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Axos 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