TexasBank 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 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
93rd2.2% deniedPricingmedian rate spread over APOR, weight 30%
3rd1.26 ptsProcesswithdrawn + incomplete share, weight 15%
27th21.8%Closing coststotal loan costs ÷ loan amount, weight 10%
26th2.92% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,753 | 1,312 | 1.4% | 1.8% | 8.25% | $348M |
| 2024 | 1,806 | 1,269 | 2.6% | 3.4% | 9.00% | $360M |
| 2025 | 1,411 | 1,035 | 1.7% | 2.2% | 7.38% | $317M |
What TexasBank 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: 9 home-equity lines, 0 reverse mortgages, 49 manufactured homes, 155 investment properties.
Why TexasBank denies applications
Primary reason reported for each of the 24 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at TexasBank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 81 | 48 | 9.1% |
| $50k – $100k | 747 | 553 | 2.2% |
| $100k – $150k | 319 | 242 | 1.2% |
| $150k – $250k | 139 | 96 | 0.0% |
| Over $250k | 70 | 51 | 1.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 67 | 48 | 3.7% |
| 25–34 | 254 | 190 | 2.5% |
| 35–44 | 487 | 363 | 1.3% |
| 45–54 | 375 | 267 | 2.1% |
| 55–64 | 120 | 84 | 2.3% |
| 65–74 | 43 | 32 | 5.7% |
Where TexasBank lends
4 states and 69 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 1,407 | 1,034 | 1.7% | 7.38% | #138 |
Frequently asked questions
TexasBank denied 2.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 93rd percentile of mid-size mortgage lenders.
The most common reason TexasBank gave in 2025 was "debt-to-income ratio", cited on 37.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans TexasBank originated in 2025 was 7.38%, and its median rate spread over the average prime offer rate was 1.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 70% of its applications were for home purchases, 22% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 90% conventional, 9% 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.