NBKC Bank in Texas vs the state
11.1%Denial rate-8.33 pts vs state
17.1%Decision denial rate-7.83 pts vs state
53.7%Origination rate-1.15 pts vs state
6.13%Median rate-0.38 pts vs state
-0.16Rate spread (pts)-0.35 pts vs state
$156kMedian applicant income
518Loans originated
107Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,033 | 578 | 10.8% | 6.25% | #148 |
| 2024 | 1,170 | 692 | 9.3% | 6.25% | #149 |
| 2025 | 964 | 518 | 11.1% | 6.13% | #172 |
What NBKC Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 128 | 73 | 11 | 8.6% |
| Tarrant County | 88 | 42 | 10 | 11.4% |
| Collin County | 86 | 44 | 5 | 5.8% |
| Bexar County | 74 | 42 | 6 | 8.1% |
| Dallas County | 70 | 31 | 10 | 14.3% |
| Denton County | 64 | 30 | 12 | 18.8% |
| Travis County | 52 | 29 | 4 | 7.7% |
| Fort Bend County | 45 | 23 | 3 | 6.7% |
| Williamson County | 38 | 17 | 4 | 10.5% |
| Montgomery County | 24 | 14 | 4 | 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: 964 applications in 2025, of which 518 were originated and 107 denied.
11.1% of all applications, or 17.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans NBKC Bank originated in Texas in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are NBKC 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