Charles Schwab Bank in Texas vs the state
4.0%Denial rate-15.47 pts vs state
4.0%Decision denial rate-20.94 pts vs state
94.7%Origination rate+39.84 pts vs state
5.50%Median rate-1.00 pts vs state
-0.22Rate spread (pts)-0.42 pts vs state
$343kMedian applicant income
359Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 170 | 160 | 4.7% | 5.80% | #445 |
| 2024 | 250 | 230 | 6.4% | 6.13% | #356 |
| 2025 | 379 | 359 | 4.0% | 5.50% | #306 |
What Charles Schwab Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Charles Schwab Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 67 | 62 | 4 | 6.0% |
| Harris County | 56 | 56 | 0 | 0.0% |
| Travis County | 55 | 49 | 4 | 7.3% |
| Tarrant County | 46 | 44 | 1 | 2.2% |
| Denton County | 25 | 24 | 1 | 4.0% |
| Collin County | 21 | 19 | 1 | 4.8% |
| Montgomery County | 17 | 16 | 1 | 5.9% |
| Williamson County | 12 | 12 | 0 | 0.0% |
| Bexar County | 8 | 7 | 1 | 12.5% |
| Hays County | 7 | 7 | 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: 379 applications in 2025, of which 359 were originated and 15 denied.
4.0% 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 Charles Schwab Bank originated in Texas in 2025 was 5.50%, against a statewide median of 6.50%.
About this data. Figures are Charles Schwab 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