Cypress Bank in Texas vs the state
24.8%Denial rate+5.32 pts vs state
32.5%Decision denial rate+7.57 pts vs state
43.6%Origination rate-11.32 pts vs state
—Median rate
—Rate spread (pts)
$95kMedian applicant income
44Loans originated
25Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 70 | 21.8% | — | #516 |
| 2024 | 127 | 72 | 26.8% | — | #506 |
| 2025 | 101 | 44 | 24.8% | — | #548 |
What Cypress Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Cypress Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camp County | 27 | 12 | 7 | 25.9% |
| Titus County | 20 | 4 | 6 | 30.0% |
| Hunt County | 16 | 10 | 0 | 0.0% |
| Morris County | 8 | 4 | 1 | 12.5% |
| Cass County | 7 | 4 | 1 | 14.3% |
| Franklin County | 5 | 3 | 2 | 40.0% |
| Upshur County | 5 | 1 | 3 | 60.0% |
| Delta County | 4 | 2 | 1 | 25.0% |
| Gregg County | 2 | 2 | 0 | 0.0% |
| Bowie 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: 101 applications in 2025, of which 44 were originated and 25 denied.
24.8% of all applications, or 32.5% 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 Cypress 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