TIB in Texas vs the state
27.0%Denial rate+7.54 pts vs state
27.5%Decision denial rate+2.62 pts vs state
69.7%Origination rate+14.86 pts vs state
6.56%Median rate+0.06 pts vs state
0.41Rate spread (pts)+0.22 pts vs state
$108kMedian applicant income
106Loans originated
41Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 151 | 127 | 12.6% | 6.88% | #476 |
| 2024 | 170 | 129 | 20.6% | 6.75% | #439 |
| 2025 | 152 | 106 | 27.0% | 6.56% | #472 |
What TIB lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most TIB applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brown County | 12 | 9 | 3 | 25.0% |
| Smith County | 11 | 10 | 1 | 9.1% |
| Wood County | 8 | 5 | 2 | 25.0% |
| Hartley County | 7 | 5 | 2 | 28.6% |
| Burnet County | 7 | 6 | 1 | 14.3% |
| Moore County | 7 | 5 | 1 | 14.3% |
| Ochiltree County | 7 | 4 | 2 | 28.6% |
| Van Zandt County | 6 | 3 | 3 | 50.0% |
| Dallam County | 6 | 3 | 3 | 50.0% |
| Hidalgo County | 6 | 3 | 2 | 33.3% |
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: 152 applications in 2025, of which 106 were originated and 41 denied.
27.0% of all applications, or 27.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans TIB originated in Texas in 2025 was 6.56%, against a statewide median of 6.50%.
About this data. Figures are TIB'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