BOKF in Texas vs the state
29.2%Denial rate+9.74 pts vs state
38.6%Decision denial rate+13.68 pts vs state
45.3%Origination rate-9.56 pts vs state
6.63%Median rate+0.13 pts vs state
0.25Rate spread (pts)+0.06 pts vs state
$152kMedian applicant income
1,139Loans originated
733Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,465 | 866 | 50.8% | 7.00% | #75 |
| 2024 | 2,648 | 985 | 42.3% | 7.35% | #72 |
| 2025 | 2,513 | 1,139 | 29.2% | 6.63% | #79 |
What BOKF lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most BOKF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 400 | 184 | 130 | 32.5% |
| Dallas County | 383 | 182 | 106 | 27.7% |
| Tarrant County | 320 | 154 | 90 | 28.1% |
| Collin County | 200 | 88 | 53 | 26.5% |
| Fort Bend County | 144 | 50 | 58 | 40.3% |
| Denton County | 124 | 67 | 25 | 20.2% |
| Travis County | 98 | 53 | 25 | 25.5% |
| Bexar County | 93 | 43 | 27 | 29.0% |
| Montgomery County | 61 | 25 | 22 | 36.1% |
| Parker County | 57 | 27 | 12 | 21.1% |
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: 2,513 applications in 2025, of which 1,139 were originated and 733 denied.
29.2% of all applications, or 38.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans BOKF originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are BOKF'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