Southwestern National Bank in Texas vs the state
3.3%Denial rate-16.13 pts vs state
3.5%Decision denial rate-21.37 pts vs state
90.1%Origination rate+35.23 pts vs state
—Median rate
—Rate spread (pts)
$35kMedian applicant income
82Loans originated
3Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 50 | 1.6% | — | #656 |
| 2024 | 48 | 39 | 0.0% | — | #695 |
| 2025 | 91 | 82 | 3.3% | — | #574 |
What Southwestern National Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Southwestern National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 25 | 22 | 0 | 0.0% |
| Brazoria County | 23 | 23 | 0 | 0.0% |
| Dallas County | 12 | 10 | 1 | 8.3% |
| Fort Bend County | 11 | 9 | 0 | 0.0% |
| Collin County | 6 | 6 | 0 | 0.0% |
| Montgomery County | 4 | 4 | 0 | 0.0% |
| Denton County | 3 | 3 | 0 | 0.0% |
| Henderson County | 2 | 2 | 0 | 0.0% |
| Hunt County | 1 | 1 | 0 | 0.0% |
| Fannin County | 1 | 0 | 1 | 100.0% |
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: 91 applications in 2025, of which 82 were originated and 3 denied.
3.3% of all applications, or 3.5% 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 Southwestern National 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