Bank of Whittier in Texas vs the state
27.3%Denial rate+7.84 pts vs state
40.0%Decision denial rate+15.10 pts vs state
40.9%Origination rate-13.97 pts vs state
6.38%Median rate-0.13 pts vs state
0.15Rate spread (pts)-0.05 pts vs state
$171kMedian applicant income
27Loans originated
18Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 38 | 11.4% | 6.88% | #604 |
| 2024 | 95 | 43 | 25.3% | 6.75% | #568 |
| 2025 | 66 | 27 | 27.3% | 6.38% | #647 |
What Bank of Whittier lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Bank of Whittier applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 27 | 10 | 8 | 29.6% |
| Collin County | 13 | 3 | 3 | 23.1% |
| Tarrant County | 8 | 3 | 2 | 25.0% |
| Fort Bend County | 6 | 2 | 4 | 66.7% |
| Denton County | 4 | 3 | 1 | 25.0% |
| Johnson County | 2 | 1 | 0 | 0.0% |
| Grayson County | 2 | 2 | 0 | 0.0% |
| Waller County | 2 | 1 | 0 | 0.0% |
| Harris County | 1 | 1 | 0 | 0.0% |
| Travis 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: 66 applications in 2025, of which 27 were originated and 18 denied.
27.3% of all applications, or 40.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Bank of Whittier originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Bank of Whittier'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