TXN Bank in Texas vs the state
13.6%Denial rate-5.79 pts vs state
18.4%Decision denial rate-6.53 pts vs state
60.6%Origination rate+5.73 pts vs state
—Median rate
1.30Rate spread (pts)+1.11 pts vs state
$122kMedian applicant income
40Loans originated
9Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 67 | 14.0% | — | #557 |
| 2024 | 59 | 33 | 20.3% | — | #659 |
| 2025 | 66 | 40 | 13.6% | — | #649 |
What TXN Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most TXN Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Medina County | 17 | 8 | 3 | 17.6% |
| Uvalde County | 16 | 7 | 3 | 18.8% |
| Bexar County | 8 | 6 | 1 | 12.5% |
| Bandera County | 6 | 5 | 1 | 16.7% |
| Atascosa County | 6 | 3 | 1 | 16.7% |
| Blanco County | 2 | 2 | 0 | 0.0% |
| Hays County | 2 | 2 | 0 | 0.0% |
| Zavala County | 2 | 1 | 0 | 0.0% |
| Real County | 2 | 1 | 0 | 0.0% |
| Webb County | 1 | 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: 66 applications in 2025, of which 40 were originated and 9 denied.
13.6% of all applications, or 18.4% 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 TXN 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