Cathay Bank in Texas vs the state
14.6%Denial rate-4.80 pts vs state
18.2%Decision denial rate-6.72 pts vs state
63.4%Origination rate+8.53 pts vs state
6.25%Median rate-0.25 pts vs state
-0.19Rate spread (pts)-0.39 pts vs state
$101kMedian applicant income
26Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 132 | 84 | 3.8% | 6.38% | #504 |
| 2024 | 28 | 16 | 7.1% | 7.13% | #801 |
| 2025 | 41 | 26 | 14.6% | 6.25% | #732 |
What Cathay Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Cathay Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 10 | 6 | 1 | 10.0% |
| Harris County | 5 | 5 | 0 | 0.0% |
| Brazoria County | 5 | 2 | 2 | 40.0% |
| Dallas County | 4 | 2 | 1 | 25.0% |
| Travis County | 3 | 1 | 0 | 0.0% |
| Tarrant County | 3 | 3 | 0 | 0.0% |
| Denton County | 3 | 2 | 1 | 33.3% |
| Fort Bend County | 2 | 2 | 0 | 0.0% |
| Bexar County | 1 | 0 | 0 | 0.0% |
| Caldwell County | 1 | 0 | 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: 41 applications in 2025, of which 26 were originated and 6 denied.
14.6% of all applications, or 18.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Cathay Bank originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Cathay 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