Incommons Bank in Texas vs the state
28.3%Denial rate+8.89 pts vs state
34.8%Decision denial rate+9.88 pts vs state
53.1%Origination rate-1.78 pts vs state
—Median rate
—Rate spread (pts)
$86kMedian applicant income
60Loans originated
32Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 83 | 15.6% | — | #491 |
| 2024 | 105 | 53 | 31.4% | — | #548 |
| 2025 | 113 | 60 | 28.3% | — | #533 |
What Incommons Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Incommons Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Freestone County | 43 | 26 | 10 | 23.3% |
| Limestone County | 22 | 12 | 5 | 22.7% |
| Falls County | 15 | 4 | 8 | 53.3% |
| McLennan County | 15 | 5 | 6 | 40.0% |
| Tarrant County | 3 | 3 | 0 | 0.0% |
| Bell County | 2 | 2 | 0 | 0.0% |
| Delta County | 2 | 1 | 1 | 50.0% |
| Navarro County | 2 | 1 | 0 | 0.0% |
| Comal County | 2 | 2 | 0 | 0.0% |
| Leon County | 2 | 1 | 1 | 50.0% |
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: 113 applications in 2025, of which 60 were originated and 32 denied.
28.3% of all applications, or 34.8% 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 Incommons 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