Texas National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
39th12.3% deniedProcesswithdrawn + incomplete share, weight 15%
73rd6.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 175 | 111 | 5.1% | 5.5% | — | $46M |
| 2024 | 196 | 138 | 8.2% | 8.4% | — | $67M |
| 2025 | 148 | 119 | 11.5% | 12.3% | — | $51M |
What Texas National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 65 investment properties.
Who gets approved at Texas National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 42 | 34 | 15.0% |
| $100k – $150k | 20 | 14 | 26.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 36 | 34 | 5.6% |
| 35–44 | 21 | 15 | 28.6% |
Where Texas National Bank lends
2 states and 11 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Texas National Bank denied 12.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 39th percentile of small mortgage lenders.
In 2025, 56% of its applications were for home purchases, 38% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 93% conventional, 7% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.