Regions Bank in Texas vs the state
46.6%Denial rate+27.21 pts vs state
53.1%Decision denial rate+28.18 pts vs state
34.7%Origination rate-20.14 pts vs state
6.13%Median rate-0.38 pts vs state
0.04Rate spread (pts)-0.15 pts vs state
$128kMedian applicant income
1,252Loans originated
1,681Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,684 | 1,173 | 46.7% | 7.00% | #50 |
| 2024 | 3,507 | 1,085 | 49.3% | 6.99% | #53 |
| 2025 | 3,604 | 1,252 | 46.6% | 6.13% | #51 |
What Regions Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Regions Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 898 | 336 | 396 | 44.1% |
| Fort Bend County | 334 | 95 | 179 | 53.6% |
| Dallas County | 207 | 66 | 100 | 48.3% |
| Tarrant County | 203 | 55 | 103 | 50.7% |
| Montgomery County | 180 | 66 | 77 | 42.8% |
| Smith County | 170 | 77 | 75 | 44.1% |
| Travis County | 128 | 48 | 58 | 45.3% |
| Galveston County | 121 | 58 | 48 | 39.7% |
| Collin County | 116 | 38 | 49 | 42.2% |
| Denton County | 110 | 27 | 62 | 56.4% |
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: 3,604 applications in 2025, of which 1,252 were originated and 1,681 denied.
46.6% of all applications, or 53.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Regions Bank originated in Texas in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Regions 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