Extraco Banks in Texas vs the state
10.5%Denial rate-8.91 pts vs state
13.0%Decision denial rate-11.86 pts vs state
70.1%Origination rate+15.22 pts vs state
6.50%Median rate0.00 pts vs state
0.13Rate spread (pts)-0.06 pts vs state
$138kMedian applicant income
340Loans originated
51Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 441 | 355 | 7.3% | 6.63% | #271 |
| 2024 | 516 | 371 | 10.9% | 6.75% | #250 |
| 2025 | 485 | 340 | 10.5% | 6.50% | #261 |
What Extraco Banks lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Extraco Banks applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bell County | 169 | 112 | 16 | 9.5% |
| McLennan County | 71 | 48 | 5 | 7.0% |
| Nueces County | 51 | 36 | 8 | 15.7% |
| Brazos County | 44 | 41 | 1 | 2.3% |
| Coryell County | 24 | 14 | 4 | 16.7% |
| Williamson County | 8 | 6 | 0 | 0.0% |
| Lampasas County | 7 | 3 | 3 | 42.9% |
| Travis County | 6 | 5 | 0 | 0.0% |
| Harris County | 6 | 5 | 0 | 0.0% |
| Tarrant County | 5 | 4 | 1 | 20.0% |
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: 485 applications in 2025, of which 340 were originated and 51 denied.
10.5% of all applications, or 13.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Extraco Banks originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Extraco Banks'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