Union Bank and Trust in Texas vs the state
33.3%Denial rate+13.90 pts vs state
33.3%Decision denial rate+8.43 pts vs state
50.0%Origination rate-4.88 pts vs state
7.25%Median rate+0.75 pts vs state
1.57Rate spread (pts)+1.37 pts vs state
$129kMedian applicant income
3Loans originated
2Denied
What Union Bank and Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Union Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hidalgo County | 2 | 2 | 0 | 0.0% |
| Hill County | 1 | 0 | 1 | 100.0% |
| Dallas County | 1 | 0 | 1 | 100.0% |
| Denton County | 1 | 0 | 0 | 0.0% |
| Hunt 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: 6 applications in 2025, of which 3 were originated and 2 denied.
33.3% of all applications, or 33.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Union Bank and Trust originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Union Bank and 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