BMO Bank in Texas vs the state
23.5%Denial rate+4.10 pts vs state
35.7%Decision denial rate+10.81 pts vs state
41.2%Origination rate-13.70 pts vs state
6.25%Median rate-0.25 pts vs state
0.02Rate spread (pts)-0.17 pts vs state
$377kMedian applicant income
35Loans originated
20Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 321 | 206 | 16.2% | 6.25% | #315 |
| 2024 | 349 | 196 | 19.2% | 6.81% | #299 |
| 2025 | 85 | 35 | 23.5% | 6.25% | #595 |
What BMO Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 20 | 6 | 6 | 30.0% |
| Dallas County | 11 | 6 | 2 | 18.2% |
| Travis County | 10 | 3 | 2 | 20.0% |
| Tarrant County | 8 | 3 | 1 | 12.5% |
| Williamson County | 5 | 1 | 2 | 40.0% |
| Brazos County | 4 | 3 | 0 | 0.0% |
| Fort Bend County | 4 | 1 | 1 | 25.0% |
| Collin County | 3 | 1 | 1 | 33.3% |
| Nueces County | 2 | 1 | 1 | 50.0% |
| Harrison County | 2 | 1 | 1 | 50.0% |
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: 85 applications in 2025, of which 35 were originated and 20 denied.
23.5% of all applications, or 35.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans BMO Bank originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are BMO 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