Home Bank in Texas vs the state
4.6%Denial rate-14.88 pts vs state
5.0%Decision denial rate-19.90 pts vs state
77.3%Origination rate+22.39 pts vs state
6.99%Median rate+0.49 pts vs state
0.28Rate spread (pts)+0.09 pts vs state
$218kMedian applicant income
17Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 10 | 11.8% | 6.78% | #911 |
| 2024 | 14 | 11 | 14.3% | 7.50% | #925 |
| 2025 | 22 | 17 | 4.6% | 6.99% | #854 |
What Home Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Home Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Galveston County | 6 | 5 | 0 | 0.0% |
| Harris County | 6 | 5 | 0 | 0.0% |
| Fort Bend County | 3 | 1 | 1 | 33.3% |
| Montgomery County | 3 | 3 | 0 | 0.0% |
| Denton County | 2 | 2 | 0 | 0.0% |
| Waller County | 1 | 0 | 0 | 0.0% |
| Matagorda 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: 22 applications in 2025, of which 17 were originated and 1 denied.
4.6% of all applications, or 5.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Home Bank originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Home 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