Southern Bancorp Bank in Texas vs the state
0.0%Denial rate-19.43 pts vs state
0.0%Decision denial rate-24.90 pts vs state
85.7%Origination rate+30.83 pts vs state
7.23%Median rate+0.72 pts vs state
0.14Rate spread (pts)-0.05 pts vs state
$275kMedian applicant income
6Loans originated
0Denied
What Southern Bancorp Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Southern Bancorp Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bowie County | 2 | 1 | 0 | 0.0% |
| Harris County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Travis County | 1 | 1 | 0 | 0.0% |
| Denton County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 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: 7 applications in 2025, of which 6 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Southern Bancorp Bank originated in Texas in 2025 was 7.23%, against a statewide median of 6.50%.
About this data. Figures are Southern Bancorp 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