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U.S. Bank · Texas · 2025

U.S. Bank in Texas: approval rate, denial rate and rates (2025)

U.S. Bank took 3,301 mortgage applications in Texas in 2025, ranking #58 of 1,568 lenders active in the state. It originated 48.4% of them and denied 28.5% (36.4% of the applications it decided), against a statewide denial rate of 19.4%.

3.3kApplicationsin TX
36.4%Decision denial ratestate 24.9%
6.38%Median ratestate 6.50%
$345,000Median loanstate $245,000
$987MVolume137 counties
Full U.S. Bank review All lenders in Texas

U.S. Bank in Texas vs the state

28.5%Denial rate+9.02 pts vs state
36.4%Decision denial rate+11.51 pts vs state
48.4%Origination rate-6.44 pts vs state
6.38%Median rate-0.13 pts vs state
-0.08Rate spread (pts)-0.28 pts vs state
$170kMedian applicant income
1,599Loans originated
939Denied

Trend in Texas

YearApplicationsOriginatedDenial rateMedian rateRank in state
20233,0711,38132.4%6.38%#63
20243,3581,71125.5%6.49%#56
20253,3011,59928.5%6.38%#58

What U.S. Bank lends in Texas

By loan purpose

Home purchase 2,152 65% · 8.6% denied
Refinance 246 7% · 10.2% denied
Cash-out refinance 172 5% · 30.2% denied
Home improvement 302 9% · 97.4% denied
Other / HELOC 429 13% · 89.0% denied

By loan type

Conventional 2,975 90% · 30.2% denied
FHA 214 6% · 14.0% denied
VA 109 3% · 9.2% denied
USDA / RHS 3 0% · 33.3% denied

Why it denied Texas applicants

Other 700 75%
Debt-to-income ratio 83 9%
Collateral 64 7%
Unverifiable information 43 5%
Credit history 30 3%
Incomplete application 10 1%
Insufficient cash 9 1%

Where in Texas

Counties with the most U.S. Bank applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Harris County 489201149 30.5%
Collin County 42026658 13.8%
Denton County 32819648 14.6%
Travis County 29318251 17.4%
Dallas County 22611168 30.1%
Tarrant County 1708650 29.4%
Bexar County 1465764 43.8%
Fort Bend County 1284443 33.6%
Montgomery County 1233839 31.7%
Williamson County 784921 26.9%

Other large lenders in Texas

LenderGradeApplicationsDenial rateMedian rate
United Shore Financial ServicesB 56,49111.0%6.25%
Rocket MortgageC 45,65822.4%6.63%
21st MortgageF 37,96145.9%9.94%
Dhi Mortgage CompanyB 26,34813.5%4.50%
Lennar MortgageA 21,95920.5%4.50%
Bank of AmericaF 18,00843.0%6.24%
JPMorgan Chase BankB 16,2609.8%6.45%
CMG MortgageA 15,9783.9%6.50%
Vanderbilt Mortgage and FinanceF 15,68344.7%10.50%
Triad Financial ServicesD 15,15850.0%9.35%

Frequently asked questions

Texas: 3,301 applications in 2025, of which 1,599 were originated and 939 denied.

28.5% of all applications, or 36.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.

The median rate on loans U.S. Bank originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.

About this data. Figures are U.S. 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