Bank Five Nine in Texas vs the state
25.0%Denial rate+5.57 pts vs state
28.6%Decision denial rate+3.67 pts vs state
50.0%Origination rate-4.88 pts vs state
7.06%Median rate+0.56 pts vs state
-0.30Rate spread (pts)-0.49 pts vs state
$130kMedian applicant income
4Loans originated
2Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 3 | 0.0% | 9.50% | #1,050 |
| 2025 | 8 | 4 | 25.0% | 7.06% | #1,005 |
What Bank Five Nine lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Bank Five Nine applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 4 | 2 | 1 | 25.0% |
| Williamson County | 1 | 0 | 0 | 0.0% |
| Collin County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Bexar County | 1 | 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: 8 applications in 2025, of which 4 were originated and 2 denied.
25.0% of all applications, or 28.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Bank Five Nine originated in Texas in 2025 was 7.06%, against a statewide median of 6.50%.
About this data. Figures are Bank Five Nine'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