Spring Hill State Bank in Texas vs the state
12.8%Denial rate-6.61 pts vs state
15.3%Decision denial rate-9.59 pts vs state
66.7%Origination rate+11.79 pts vs state
—Median rate
—Rate spread (pts)
$83kMedian applicant income
78Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 92 | 10.0% | — | #505 |
| 2024 | 109 | 79 | 10.1% | — | #539 |
| 2025 | 117 | 78 | 12.8% | — | #525 |
What Spring Hill State Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Spring Hill State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gregg County | 71 | 42 | 10 | 14.1% |
| Harrison County | 19 | 18 | 0 | 0.0% |
| Upshur County | 12 | 6 | 3 | 25.0% |
| Rusk County | 9 | 6 | 2 | 22.2% |
| Marion County | 3 | 3 | 0 | 0.0% |
| Smith County | 1 | 1 | 0 | 0.0% |
| Nueces County | 1 | 1 | 0 | 0.0% |
| Dallas 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: 117 applications in 2025, of which 78 were originated and 15 denied.
12.8% of all applications, or 15.3% 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 Spring Hill State 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