Texas Bank and Trust in Texas vs the state
16.5%Denial rate-2.97 pts vs state
16.6%Decision denial rate-8.34 pts vs state
62.0%Origination rate+7.15 pts vs state
6.75%Median rate+0.25 pts vs state
0.04Rate spread (pts)-0.15 pts vs state
$146kMedian applicant income
294Loans originated
78Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 578 | 377 | 15.6% | — | #236 |
| 2024 | 519 | 330 | 16.2% | — | #249 |
| 2025 | 474 | 294 | 16.5% | 6.75% | #269 |
What Texas Bank and Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Texas Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Smith County | 125 | 80 | 19 | 15.2% |
| Gregg County | 104 | 65 | 14 | 13.5% |
| Harrison County | 32 | 15 | 9 | 28.1% |
| Van Zandt County | 32 | 20 | 7 | 21.9% |
| Dallas County | 29 | 20 | 0 | 0.0% |
| Collin County | 21 | 13 | 5 | 23.8% |
| Rusk County | 21 | 17 | 2 | 9.5% |
| Upshur County | 18 | 12 | 2 | 11.1% |
| Tarrant County | 14 | 11 | 2 | 14.3% |
| Kaufman County | 12 | 4 | 6 | 50.0% |
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: 474 applications in 2025, of which 294 were originated and 78 denied.
16.5% of all applications, or 16.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Texas Bank and Trust originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Texas Bank and Trust'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