North American Savings Bank in Texas vs the state
8.6%Denial rate-10.86 pts vs state
12.0%Decision denial rate-12.90 pts vs state
60.0%Origination rate+5.12 pts vs state
6.75%Median rate+0.25 pts vs state
0.16Rate spread (pts)-0.04 pts vs state
$178kMedian applicant income
42Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 83 | 18.3% | 6.88% | #473 |
| 2024 | 100 | 63 | 20.0% | 7.00% | #559 |
| 2025 | 70 | 42 | 8.6% | 6.75% | #637 |
What North American Savings Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fort Bend County | 11 | 6 | 2 | 18.2% |
| Harris County | 10 | 5 | 2 | 20.0% |
| Denton County | 6 | 5 | 0 | 0.0% |
| Travis County | 6 | 2 | 0 | 0.0% |
| Tarrant County | 5 | 1 | 2 | 40.0% |
| Collin County | 4 | 3 | 0 | 0.0% |
| Dallas County | 4 | 2 | 0 | 0.0% |
| Bexar County | 3 | 3 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 0 | 0.0% |
| Hidalgo County | 3 | 3 | 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: 70 applications in 2025, of which 42 were originated and 6 denied.
8.6% of all applications, or 12.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans North American Savings Bank originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are North American Savings 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