Bison State Bank in Texas vs the state
2.1%Denial rate-17.37 pts vs state
4.0%Decision denial rate-20.90 pts vs state
48.5%Origination rate-6.43 pts vs state
6.13%Median rate-0.38 pts vs state
-0.14Rate spread (pts)-0.33 pts vs state
$217kMedian applicant income
47Loans originated
2Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 7 | 22.2% | 6.50% | #907 |
| 2024 | 10 | 6 | 0.0% | — | #972 |
| 2025 | 97 | 47 | 2.1% | 6.13% | #563 |
What Bison State Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Bison State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 19 | 9 | 1 | 5.3% |
| Collin County | 11 | 6 | 0 | 0.0% |
| Dallas County | 9 | 6 | 0 | 0.0% |
| Williamson County | 8 | 3 | 0 | 0.0% |
| Travis County | 8 | 4 | 0 | 0.0% |
| Denton County | 6 | 3 | 0 | 0.0% |
| Tarrant County | 5 | 2 | 0 | 0.0% |
| Montgomery County | 4 | 0 | 0 | 0.0% |
| Parker County | 3 | 0 | 0 | 0.0% |
| Fort Bend County | 3 | 2 | 1 | 33.3% |
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: 97 applications in 2025, of which 47 were originated and 2 denied.
2.1% of all applications, or 4.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Bison State Bank originated in Texas in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Bison State 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