InterBank in Texas vs the state
11.7%Denial rate-7.74 pts vs state
14.3%Decision denial rate-10.61 pts vs state
69.0%Origination rate+14.07 pts vs state
7.63%Median rate+1.13 pts vs state
0.65Rate spread (pts)+0.46 pts vs state
$110kMedian applicant income
171Loans originated
29Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 265 | 178 | 14.3% | 8.50% | #340 |
| 2024 | 224 | 148 | 15.2% | 8.50% | #379 |
| 2025 | 248 | 171 | 11.7% | 7.63% | #374 |
What InterBank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most InterBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Erath County | 38 | 20 | 6 | 15.8% |
| Dallas County | 29 | 28 | 0 | 0.0% |
| Tarrant County | 24 | 17 | 2 | 8.3% |
| Stephens County | 22 | 13 | 5 | 22.7% |
| Young County | 18 | 11 | 3 | 16.7% |
| Ellis County | 17 | 11 | 4 | 23.5% |
| Somervell County | 14 | 7 | 4 | 28.6% |
| Coleman County | 12 | 10 | 1 | 8.3% |
| Hood County | 11 | 6 | 0 | 0.0% |
| Comanche County | 6 | 3 | 1 | 16.7% |
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: 248 applications in 2025, of which 171 were originated and 29 denied.
11.7% of all applications, or 14.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans InterBank originated in Texas in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are InterBank'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