Commercial Bank of Texas in Texas vs the state
5.7%Denial rate-13.72 pts vs state
5.8%Decision denial rate-19.06 pts vs state
77.9%Origination rate+23.02 pts vs state
7.00%Median rate+0.50 pts vs state
0.72Rate spread (pts)+0.53 pts vs state
$124kMedian applicant income
409Loans originated
30Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 588 | 446 | 11.9% | 7.50% | #232 |
| 2024 | 534 | 406 | 9.4% | 7.50% | #246 |
| 2025 | 525 | 409 | 5.7% | 7.00% | #253 |
What Commercial Bank of Texas lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Commercial Bank of Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Angelina County | 155 | 107 | 14 | 9.0% |
| Nacogdoches County | 148 | 115 | 8 | 5.4% |
| Anderson County | 52 | 45 | 2 | 3.8% |
| Collin County | 28 | 25 | 2 | 7.1% |
| Rains County | 16 | 12 | 0 | 0.0% |
| Palo Pinto County | 11 | 9 | 1 | 9.1% |
| Rusk County | 11 | 11 | 0 | 0.0% |
| Cherokee County | 9 | 8 | 0 | 0.0% |
| Denton County | 8 | 6 | 0 | 0.0% |
| Dallas County | 8 | 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: 525 applications in 2025, of which 409 were originated and 30 denied.
5.7% of all applications, or 5.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Commercial Bank of Texas originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Commercial Bank of Texas'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