Classic Bank in Texas vs the state
16.5%Denial rate-2.96 pts vs state
17.7%Decision denial rate-7.18 pts vs state
69.4%Origination rate+14.53 pts vs state
—Median rate
—Rate spread (pts)
$140kMedian applicant income
59Loans originated
14Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 181 | 133 | 16.0% | — | #424 |
| 2024 | 104 | 60 | 11.5% | — | #550 |
| 2025 | 85 | 59 | 16.5% | — | #593 |
What Classic Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Classic Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milam County | 25 | 15 | 7 | 28.0% |
| Lee County | 14 | 11 | 2 | 14.3% |
| Bastrop County | 9 | 5 | 2 | 22.2% |
| Williamson County | 8 | 4 | 1 | 12.5% |
| Falls County | 7 | 6 | 0 | 0.0% |
| Bell County | 5 | 5 | 0 | 0.0% |
| Travis County | 3 | 3 | 0 | 0.0% |
| Fayette County | 2 | 2 | 0 | 0.0% |
| Brazos County | 1 | 1 | 0 | 0.0% |
| Harris 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: 85 applications in 2025, of which 59 were originated and 14 denied.
16.5% of all applications, or 17.7% 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 Classic 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