Plains Commerce Bank in Texas vs the state
8.2%Denial rate-11.19 pts vs state
12.4%Decision denial rate-12.48 pts vs state
58.1%Origination rate+3.22 pts vs state
6.63%Median rate+0.13 pts vs state
0.41Rate spread (pts)+0.21 pts vs state
$115kMedian applicant income
1,036Loans originated
147Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,426 | 779 | 2.6% | 6.63% | #115 |
| 2024 | 1,809 | 995 | 2.3% | 6.50% | #96 |
| 2025 | 1,783 | 1,036 | 8.2% | 6.63% | #112 |
What Plains Commerce Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 193 | 121 | 16 | 8.3% |
| Harris County | 186 | 91 | 16 | 8.6% |
| Travis County | 147 | 83 | 6 | 4.1% |
| Dallas County | 119 | 65 | 9 | 7.6% |
| Bexar County | 94 | 64 | 6 | 6.4% |
| Montgomery County | 91 | 68 | 6 | 6.6% |
| Denton County | 68 | 39 | 4 | 5.9% |
| Collin County | 64 | 33 | 4 | 6.3% |
| El Paso County | 62 | 34 | 7 | 11.3% |
| Williamson County | 58 | 38 | 2 | 3.4% |
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: 1,783 applications in 2025, of which 1,036 were originated and 147 denied.
8.2% of all applications, or 12.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Plains Commerce Bank originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Plains Commerce 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