The Bank & Trust in Texas vs the state
13.0%Denial rate-6.45 pts vs state
13.4%Decision denial rate-11.47 pts vs state
71.6%Origination rate+16.75 pts vs state
—Median rate
—Rate spread (pts)
$125kMedian applicant income
149Loans originated
27Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 154 | 8.6% | — | #407 |
| 2024 | 208 | 143 | 16.4% | — | #393 |
| 2025 | 208 | 149 | 13.0% | — | #409 |
What The Bank & Trust lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most The Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tom Green County | 64 | 53 | 3 | 4.7% |
| Val Verde County | 61 | 40 | 14 | 23.0% |
| Kerr County | 24 | 13 | 4 | 16.7% |
| Sutton County | 13 | 11 | 0 | 0.0% |
| Kinney County | 10 | 5 | 3 | 30.0% |
| Bexar County | 5 | 3 | 0 | 0.0% |
| Irion County | 3 | 2 | 1 | 33.3% |
| Brown County | 3 | 2 | 0 | 0.0% |
| Terrell County | 2 | 2 | 0 | 0.0% |
| Edwards County | 2 | 1 | 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: 208 applications in 2025, of which 149 were originated and 27 denied.
13.0% of all applications, or 13.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Bank & 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