Origin Bank in Texas vs the state
11.8%Denial rate-7.65 pts vs state
14.5%Decision denial rate-10.36 pts vs state
64.9%Origination rate+10.02 pts vs state
7.00%Median rate+0.50 pts vs state
0.38Rate spread (pts)+0.19 pts vs state
$139kMedian applicant income
270Loans originated
49Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 731 | 507 | 4.8% | 6.88% | #201 |
| 2024 | 600 | 387 | 7.2% | 7.50% | #226 |
| 2025 | 416 | 270 | 11.8% | 7.00% | #292 |
What Origin Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Origin Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 125 | 74 | 15 | 12.0% |
| Harris County | 56 | 37 | 6 | 10.7% |
| Smith County | 47 | 32 | 6 | 12.8% |
| Tarrant County | 47 | 33 | 5 | 10.6% |
| Denton County | 15 | 8 | 3 | 20.0% |
| Collin County | 15 | 11 | 2 | 13.3% |
| Gregg County | 13 | 10 | 1 | 7.7% |
| Wood County | 10 | 4 | 1 | 10.0% |
| Kaufman County | 8 | 7 | 1 | 12.5% |
| Montgomery County | 6 | 2 | 3 | 50.0% |
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: 416 applications in 2025, of which 270 were originated and 49 denied.
11.8% of all applications, or 14.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Origin Bank originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Origin 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