Legend Bank in Texas vs the state
10.9%Denial rate-8.55 pts vs state
11.7%Decision denial rate-13.22 pts vs state
78.9%Origination rate+24.03 pts vs state
—Median rate
—Rate spread (pts)
$123kMedian applicant income
116Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 171 | 115 | 17.0% | — | #444 |
| 2024 | 182 | 135 | 12.1% | — | #422 |
| 2025 | 147 | 116 | 10.9% | — | #477 |
What Legend Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Legend Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fannin County | 30 | 23 | 4 | 13.3% |
| Wise County | 23 | 20 | 1 | 4.3% |
| Montague County | 17 | 14 | 1 | 5.9% |
| Wichita County | 15 | 12 | 0 | 0.0% |
| Tarrant County | 14 | 10 | 3 | 21.4% |
| Clay County | 11 | 8 | 2 | 18.2% |
| Grayson County | 11 | 8 | 1 | 9.1% |
| Cooke County | 5 | 5 | 0 | 0.0% |
| Delta County | 4 | 3 | 1 | 25.0% |
| Lamar County | 3 | 2 | 1 | 33.3% |
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: 147 applications in 2025, of which 116 were originated and 16 denied.
10.9% of all applications, or 11.7% 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 Legend 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