NexBank in Texas vs the state
9.9%Denial rate-9.58 pts vs state
11.3%Decision denial rate-13.63 pts vs state
75.9%Origination rate+21.01 pts vs state
6.50%Median rate0.00 pts vs state
0.13Rate spread (pts)-0.06 pts vs state
$171kMedian applicant income
1,171Loans originated
152Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,488 | 1,124 | 7.9% | 6.75% | #113 |
| 2024 | 1,631 | 1,239 | 8.2% | 6.63% | #108 |
| 2025 | 1,543 | 1,171 | 9.9% | 6.50% | #128 |
What NexBank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most NexBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 193 | 152 | 15 | 7.8% |
| Dallas County | 187 | 138 | 19 | 10.2% |
| Harris County | 175 | 135 | 18 | 10.3% |
| Denton County | 168 | 128 | 13 | 7.7% |
| Tarrant County | 134 | 101 | 13 | 9.7% |
| Travis County | 127 | 91 | 17 | 13.4% |
| Williamson County | 62 | 52 | 3 | 4.8% |
| Fort Bend County | 48 | 36 | 6 | 12.5% |
| Montgomery County | 43 | 32 | 5 | 11.6% |
| Bexar County | 34 | 26 | 3 | 8.8% |
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: 1,543 applications in 2025, of which 1,171 were originated and 152 denied.
9.9% of all applications, or 11.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans NexBank originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are NexBank'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