Stellar Bank in Texas vs the state
29.4%Denial rate+9.93 pts vs state
35.8%Decision denial rate+10.92 pts vs state
43.8%Origination rate-11.08 pts vs state
7.25%Median rate+0.75 pts vs state
0.25Rate spread (pts)+0.06 pts vs state
$216kMedian applicant income
279Loans originated
187Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 875 | 436 | 28.1% | 8.00% | #171 |
| 2024 | 574 | 254 | 32.8% | 8.50% | #230 |
| 2025 | 637 | 279 | 29.4% | 7.25% | #224 |
What Stellar Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Stellar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 304 | 129 | 87 | 28.6% |
| Fort Bend County | 54 | 26 | 17 | 31.5% |
| Montgomery County | 52 | 23 | 16 | 30.8% |
| Jefferson County | 30 | 10 | 12 | 40.0% |
| Galveston County | 25 | 11 | 8 | 32.0% |
| Brazoria County | 15 | 8 | 5 | 33.3% |
| Waller County | 11 | 4 | 6 | 54.5% |
| Dallas County | 9 | 6 | 0 | 0.0% |
| Hardin County | 8 | 4 | 1 | 12.5% |
| Jasper County | 8 | 3 | 2 | 25.0% |
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: 637 applications in 2025, of which 279 were originated and 187 denied.
29.4% of all applications, or 35.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Stellar Bank originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Stellar 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