TexasBank in Texas vs the state
1.7%Denial rate-17.72 pts vs state
2.2%Decision denial rate-22.72 pts vs state
73.5%Origination rate+18.61 pts vs state
7.38%Median rate+0.88 pts vs state
1.26Rate spread (pts)+1.06 pts vs state
$86kMedian applicant income
1,034Loans originated
24Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,748 | 1,309 | 1.4% | 8.25% | #98 |
| 2024 | 1,801 | 1,265 | 2.6% | 9.00% | #98 |
| 2025 | 1,407 | 1,034 | 1.7% | 7.38% | #138 |
What TexasBank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most TexasBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 393 | 278 | 5 | 1.3% |
| Dallas County | 325 | 233 | 4 | 1.2% |
| Brown County | 101 | 85 | 2 | 2.0% |
| Harris County | 51 | 28 | 7 | 13.7% |
| Collin County | 50 | 40 | 0 | 0.0% |
| Parker County | 48 | 35 | 0 | 0.0% |
| Kaufman County | 45 | 32 | 1 | 2.2% |
| Johnson County | 41 | 32 | 1 | 2.4% |
| Denton County | 31 | 23 | 1 | 3.2% |
| Ellis County | 29 | 24 | 0 | 0.0% |
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: 1,407 applications in 2025, of which 1,034 were originated and 24 denied.
1.7% of all applications, or 2.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans TexasBank originated in Texas in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are TexasBank'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