Gilmer National Bank, Gilmer, Texas in Texas vs the state
5.3%Denial rate-14.17 pts vs state
5.3%Decision denial rate-19.57 pts vs state
93.4%Origination rate+38.54 pts vs state
7.25%Median rate+0.75 pts vs state
—Rate spread (pts)
$99kMedian applicant income
71Loans originated
4Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 45 | 13.5% | — | #710 |
| 2024 | 68 | 62 | 7.4% | — | #628 |
| 2025 | 76 | 71 | 5.3% | 7.25% | #616 |
What Gilmer National Bank, Gilmer, Texas lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Gilmer National Bank, Gilmer, Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Upshur County | 49 | 45 | 4 | 8.2% |
| Gregg County | 14 | 14 | 0 | 0.0% |
| Harrison County | 3 | 3 | 0 | 0.0% |
| Smith County | 2 | 2 | 0 | 0.0% |
| Rusk County | 2 | 2 | 0 | 0.0% |
| Wood County | 1 | 1 | 0 | 0.0% |
| Panola County | 1 | 1 | 0 | 0.0% |
| Camp County | 1 | 0 | 0 | 0.0% |
| Cherokee County | 1 | 1 | 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: 76 applications in 2025, of which 71 were originated and 4 denied.
5.3% of all applications, or 5.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Gilmer National Bank, Gilmer, Texas originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Gilmer National Bank, Gilmer, 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