The Federal Savings Bank in Texas vs the state
9.9%Denial rate-9.52 pts vs state
16.8%Decision denial rate-8.15 pts vs state
48.0%Origination rate-6.89 pts vs state
6.56%Median rate+0.06 pts vs state
0.18Rate spread (pts)-0.01 pts vs state
$148kMedian applicant income
155Loans originated
32Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 326 | 131 | 15.6% | 6.63% | #312 |
| 2024 | 201 | 95 | 15.4% | 6.63% | #398 |
| 2025 | 323 | 155 | 9.9% | 6.56% | #328 |
What The Federal Savings Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 41 | 21 | 5 | 12.2% |
| Comal County | 26 | 20 | 1 | 3.8% |
| Harris County | 26 | 11 | 3 | 11.5% |
| Tarrant County | 22 | 11 | 4 | 18.2% |
| Dallas County | 15 | 4 | 5 | 33.3% |
| Bell County | 13 | 6 | 2 | 15.4% |
| Travis County | 11 | 2 | 1 | 9.1% |
| Denton County | 8 | 4 | 1 | 12.5% |
| Williamson County | 8 | 4 | 0 | 0.0% |
| Collin County | 6 | 5 | 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: 323 applications in 2025, of which 155 were originated and 32 denied.
9.9% of all applications, or 16.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans The Federal Savings Bank originated in Texas in 2025 was 6.56%, against a statewide median of 6.50%.
About this data. Figures are The Federal Savings Bank'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