Southside Bank in Texas vs the state
31.0%Denial rate+11.60 pts vs state
42.3%Decision denial rate+17.43 pts vs state
41.9%Origination rate-13.01 pts vs state
6.88%Median rate+0.38 pts vs state
0.46Rate spread (pts)+0.27 pts vs state
$100kMedian applicant income
309Loans originated
229Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 771 | 346 | 33.1% | 7.00% | #194 |
| 2024 | 675 | 290 | 35.9% | 7.25% | #209 |
| 2025 | 738 | 309 | 31.0% | 6.88% | #203 |
What Southside Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Southside Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Smith County | 198 | 90 | 55 | 27.8% |
| Angelina County | 72 | 32 | 19 | 26.4% |
| Tarrant County | 71 | 32 | 18 | 25.4% |
| Montgomery County | 29 | 11 | 14 | 48.3% |
| Dallas County | 28 | 9 | 6 | 21.4% |
| Nacogdoches County | 23 | 13 | 8 | 34.8% |
| Henderson County | 22 | 5 | 10 | 45.5% |
| Harris County | 21 | 12 | 2 | 9.5% |
| Cherokee County | 19 | 2 | 11 | 57.9% |
| Johnson County | 18 | 10 | 5 | 27.8% |
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: 738 applications in 2025, of which 309 were originated and 229 denied.
31.0% of all applications, or 42.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Southside Bank originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Southside 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