Bank of England in Texas vs the state
4.3%Denial rate-15.17 pts vs state
6.5%Decision denial rate-18.45 pts vs state
59.6%Origination rate+4.69 pts vs state
6.69%Median rate+0.19 pts vs state
0.53Rate spread (pts)+0.34 pts vs state
$114kMedian applicant income
28Loans originated
2Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 473 | 299 | 11.2% | 6.75% | #260 |
| 2024 | 228 | 122 | 5.3% | 6.88% | #373 |
| 2025 | 47 | 28 | 4.3% | 6.69% | #717 |
What Bank of England lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Bank of England applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 12 | 5 | 0 | 0.0% |
| Harris County | 10 | 5 | 1 | 10.0% |
| Fort Bend County | 6 | 3 | 0 | 0.0% |
| Travis County | 5 | 3 | 0 | 0.0% |
| Medina County | 2 | 2 | 0 | 0.0% |
| Guadalupe County | 2 | 2 | 0 | 0.0% |
| Tarrant County | 1 | 1 | 0 | 0.0% |
| Rockwall County | 1 | 1 | 0 | 0.0% |
| Collin County | 1 | 1 | 0 | 0.0% |
| Maverick 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: 47 applications in 2025, of which 28 were originated and 2 denied.
4.3% of all applications, or 6.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Bank of England originated in Texas in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are Bank of England'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