Sabine State Bank and Trust in Texas vs the state
22.5%Denial rate+3.11 pts vs state
32.7%Decision denial rate+7.75 pts vs state
46.5%Origination rate-8.40 pts vs state
—Median rate
—Rate spread (pts)
$104kMedian applicant income
33Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 28 | 20.3% | 7.50% | #669 |
| 2024 | 70 | 27 | 18.6% | 8.00% | #618 |
| 2025 | 71 | 33 | 22.5% | — | #631 |
What Sabine State Bank and Trust lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Sabine State Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sabine County | 25 | 6 | 5 | 20.0% |
| Shelby County | 14 | 7 | 6 | 42.9% |
| Jasper County | 10 | 6 | 1 | 10.0% |
| San Augustine County | 4 | 3 | 1 | 25.0% |
| Newton County | 4 | 2 | 1 | 25.0% |
| Tyler County | 3 | 1 | 1 | 33.3% |
| Orange County | 2 | 1 | 1 | 50.0% |
| Angelina County | 2 | 2 | 0 | 0.0% |
| Panola County | 2 | 2 | 0 | 0.0% |
| Harrison County | 1 | 0 | 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: 71 applications in 2025, of which 33 were originated and 16 denied.
22.5% of all applications, or 32.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Sabine State Bank and Trust'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