Southern Bank in Texas vs the state
20.0%Denial rate+0.57 pts vs state
20.0%Decision denial rate-4.90 pts vs state
80.0%Origination rate+25.12 pts vs state
6.69%Median rate+0.19 pts vs state
-0.54Rate spread (pts)-0.73 pts vs state
$87kMedian applicant income
4Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 6 | 0.0% | 6.50% | #1,049 |
| 2024 | 12 | 12 | 0.0% | 7.78% | #947 |
| 2025 | 5 | 4 | 20.0% | 6.69% | #1,085 |
What Southern Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Southern Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cooke County | 2 | 2 | 0 | 0.0% |
| Wilbarger County | 1 | 1 | 0 | 0.0% |
| Bell County | 1 | 0 | 1 | 100.0% |
| Tarrant 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: 5 applications in 2025, of which 4 were originated and 1 denied.
20.0% of all applications, or 20.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Southern Bank originated in Texas in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are Southern 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