Bank of America in Texas vs the state
43.0%Denial rate+23.61 pts vs state
55.3%Decision denial rate+30.35 pts vs state
34.1%Origination rate-20.78 pts vs state
6.24%Median rate-0.26 pts vs state
0.94Rate spread (pts)+0.75 pts vs state
$120kMedian applicant income
6,141Loans originated
7,751Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25,257 | 7,506 | 57.1% | 6.99% | #4 |
| 2024 | 19,665 | 6,245 | 46.4% | 6.99% | #7 |
| 2025 | 18,008 | 6,141 | 43.0% | 6.24% | #6 |
What Bank of America lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 3,246 | 1,092 | 1,443 | 44.5% |
| Dallas County | 2,198 | 784 | 945 | 43.0% |
| Tarrant County | 1,599 | 567 | 637 | 39.8% |
| Collin County | 1,480 | 600 | 535 | 36.1% |
| Denton County | 1,148 | 464 | 430 | 37.5% |
| Fort Bend County | 1,017 | 334 | 442 | 43.5% |
| Bexar County | 985 | 285 | 463 | 47.0% |
| Travis County | 811 | 312 | 309 | 38.1% |
| Montgomery County | 637 | 252 | 244 | 38.3% |
| El Paso County | 449 | 90 | 249 | 55.5% |
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% |
| 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% |
| Newrez | D | 15,001 | 21.7% | 6.50% |
Frequently asked questions
Texas: 18,008 applications in 2025, of which 6,141 were originated and 7,751 denied.
43.0% of all applications, or 55.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Bank of America originated in Texas in 2025 was 6.24%, against a statewide median of 6.50%.
About this data. Figures are Bank of America'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