Simmons Bank in Texas vs the state
26.8%Denial rate+7.32 pts vs state
29.5%Decision denial rate+4.61 pts vs state
63.1%Origination rate+8.21 pts vs state
7.50%Median rate+1.00 pts vs state
0.00Rate spread (pts)-0.19 pts vs state
$96kMedian applicant income
559Loans originated
237Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 759 | 417 | 26.8% | 7.75% | #196 |
| 2024 | 759 | 468 | 27.5% | 8.25% | #193 |
| 2025 | 886 | 559 | 26.8% | 7.50% | #181 |
What Simmons Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Simmons Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nueces County | 211 | 197 | 5 | 2.4% |
| Tarrant County | 137 | 81 | 42 | 30.7% |
| Dallas County | 84 | 33 | 40 | 47.6% |
| Grayson County | 56 | 30 | 21 | 37.5% |
| Harris County | 42 | 23 | 17 | 40.5% |
| Henderson County | 29 | 12 | 12 | 41.4% |
| Montgomery County | 29 | 17 | 9 | 31.0% |
| Collin County | 26 | 14 | 9 | 34.6% |
| Brazos County | 22 | 13 | 8 | 36.4% |
| Bowie County | 22 | 17 | 2 | 9.1% |
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: 886 applications in 2025, of which 559 were originated and 237 denied.
26.8% of all applications, or 29.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Simmons Bank originated in Texas in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Simmons 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