Texana Bank in New York vs the state
4.5%Denial rate-15.28 pts vs state
18.5%Decision denial rate-5.56 pts vs state
14.7%Origination rate-44.85 pts vs state
5.75%Median rate-0.88 pts vs state
-0.23Rate spread (pts)-0.44 pts vs state
$99kMedian applicant income
56Loans originated
17Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 0 | 0.0% | — | #440 |
| 2024 | 94 | 5 | 8.5% | 6.75% | #272 |
| 2025 | 380 | 56 | 4.5% | 5.75% | #156 |
What Texana Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Texana Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 56 | 7 | 3 | 5.4% |
| Erie County | 34 | 7 | 2 | 5.9% |
| Nassau County | 28 | 4 | 1 | 3.6% |
| Monroe County | 23 | 3 | 2 | 8.7% |
| Onondaga County | 18 | 2 | 1 | 5.6% |
| Orange County | 15 | 0 | 1 | 6.7% |
| Kings County | 15 | 0 | 0 | 0.0% |
| Rensselaer County | 13 | 1 | 0 | 0.0% |
| Dutchess County | 12 | 0 | 0 | 0.0% |
| Jefferson County | 12 | 2 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 380 applications in 2025, of which 56 were originated and 17 denied.
4.5% of all applications, or 18.5% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Texana Bank originated in New York in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Texana Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology