Ixonia Bank in Texas vs the state
4.9%Denial rate-14.49 pts vs state
7.8%Decision denial rate-17.14 pts vs state
58.2%Origination rate+3.30 pts vs state
6.88%Median rate+0.38 pts vs state
0.71Rate spread (pts)+0.52 pts vs state
$126kMedian applicant income
224Loans originated
19Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 395 | 217 | 8.6% | 7.00% | #286 |
| 2024 | 367 | 213 | 6.5% | 7.00% | #291 |
| 2025 | 385 | 224 | 4.9% | 6.88% | #303 |
What Ixonia Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 92 | 44 | 6 | 6.5% |
| Smith County | 44 | 33 | 1 | 2.3% |
| Tarrant County | 28 | 21 | 1 | 3.6% |
| Collin County | 26 | 11 | 2 | 7.7% |
| Denton County | 26 | 15 | 1 | 3.8% |
| Harris County | 14 | 6 | 0 | 0.0% |
| Henderson County | 12 | 10 | 0 | 0.0% |
| Ellis County | 9 | 4 | 3 | 33.3% |
| Webb County | 9 | 5 | 1 | 11.1% |
| Travis County | 8 | 5 | 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: 385 applications in 2025, of which 224 were originated and 19 denied.
4.9% of all applications, or 7.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Ixonia Bank originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Ixonia 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