Jefferson Bank in Texas vs the state
6.9%Denial rate-12.49 pts vs state
7.0%Decision denial rate-17.92 pts vs state
77.3%Origination rate+22.38 pts vs state
6.75%Median rate+0.25 pts vs state
0.32Rate spread (pts)+0.13 pts vs state
$147kMedian applicant income
445Loans originated
40Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 661 | 480 | 10.7% | 6.38% | #217 |
| 2024 | 540 | 388 | 10.9% | 7.13% | #244 |
| 2025 | 576 | 445 | 6.9% | 6.75% | #238 |
What Jefferson Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Jefferson Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 326 | 252 | 23 | 7.1% |
| Comal County | 71 | 57 | 5 | 7.0% |
| Kendall County | 44 | 34 | 1 | 2.3% |
| Guadalupe County | 18 | 14 | 2 | 11.1% |
| Travis County | 13 | 9 | 0 | 0.0% |
| Nueces County | 9 | 7 | 1 | 11.1% |
| Bandera County | 7 | 5 | 1 | 14.3% |
| Kerr County | 7 | 4 | 1 | 14.3% |
| Atascosa County | 7 | 7 | 0 | 0.0% |
| Hays County | 7 | 5 | 2 | 28.6% |
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: 576 applications in 2025, of which 445 were originated and 40 denied.
6.9% of all applications, or 7.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Jefferson Bank originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Jefferson 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