PlainsCapital Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
22nd12.0% deniedProcesswithdrawn + incomplete share, weight 15%
30th10.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 161 | 118 | 4.4% | 5.3% | — | $51M |
| 2024 | 121 | 93 | 2.5% | 3.1% | — | $95M |
| 2025 | 130 | 101 | 10.8% | 12.0% | — | $261M |
What PlainsCapital Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 113 investment properties.
Where PlainsCapital Bank lends
11 states and 45 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 114 | 88 | 12.3% | — | #530 |
Frequently asked questions
PlainsCapital Bank denied 12.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 22nd percentile of investment-property lenders.
In 2025, 71% of its applications were for home purchases, 25% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.