Ciera Bank in Texas vs the state
11.7%Denial rate-7.76 pts vs state
13.7%Decision denial rate-11.17 pts vs state
66.7%Origination rate+11.79 pts vs state
—Median rate
—Rate spread (pts)
$220kMedian applicant income
40Loans originated
7Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 34 | 18.9% | — | #703 |
| 2024 | 48 | 32 | 14.6% | — | #694 |
| 2025 | 60 | 40 | 11.7% | — | #672 |
What Ciera Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Ciera Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denton County | 15 | 7 | 1 | 6.7% |
| Young County | 14 | 11 | 2 | 14.3% |
| Johnson County | 6 | 4 | 0 | 0.0% |
| Parker County | 5 | 2 | 2 | 40.0% |
| Tarrant County | 5 | 3 | 1 | 20.0% |
| Cooke County | 4 | 3 | 1 | 25.0% |
| Llano County | 2 | 2 | 0 | 0.0% |
| Wichita County | 1 | 1 | 0 | 0.0% |
| Palo Pinto County | 1 | 1 | 0 | 0.0% |
| Kaufman County | 1 | 1 | 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: 60 applications in 2025, of which 40 were originated and 7 denied.
11.7% of all applications, or 13.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Ciera 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