Shelby Savings Bank in Texas vs the state
8.6%Denial rate-10.86 pts vs state
10.5%Decision denial rate-14.37 pts vs state
57.9%Origination rate+2.98 pts vs state
—Median rate
—Rate spread (pts)
$121kMedian applicant income
81Loans originated
12Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 142 | 55 | 20.4% | — | #489 |
| 2024 | 128 | 53 | 23.4% | — | #504 |
| 2025 | 140 | 81 | 8.6% | — | #491 |
What Shelby Savings Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Shelby Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sabine County | 39 | 21 | 5 | 12.8% |
| Shelby County | 28 | 15 | 5 | 17.9% |
| Jasper County | 21 | 16 | 0 | 0.0% |
| Anderson County | 11 | 7 | 0 | 0.0% |
| Smith County | 8 | 5 | 1 | 12.5% |
| Nacogdoches County | 6 | 3 | 1 | 16.7% |
| Hardin County | 5 | 3 | 0 | 0.0% |
| San Augustine County | 4 | 2 | 0 | 0.0% |
| Panola County | 4 | 1 | 0 | 0.0% |
| Angelina County | 2 | 1 | 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: 140 applications in 2025, of which 81 were originated and 12 denied.
8.6% of all applications, or 10.5% 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 Shelby Savings 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