Vantage Bank Texas in Texas vs the state
9.6%Denial rate-9.86 pts vs state
10.4%Decision denial rate-14.50 pts vs state
73.9%Origination rate+19.06 pts vs state
—Median rate
—Rate spread (pts)
$170kMedian applicant income
278Loans originated
36Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 335 | 243 | 9.9% | — | #307 |
| 2024 | 349 | 249 | 11.5% | — | #298 |
| 2025 | 376 | 278 | 9.6% | — | #310 |
What Vantage Bank Texas lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Vantage Bank Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 76 | 57 | 10 | 13.2% |
| Tarrant County | 63 | 56 | 2 | 3.2% |
| Hidalgo County | 59 | 33 | 12 | 20.3% |
| Harris County | 27 | 22 | 1 | 3.7% |
| Montgomery County | 26 | 24 | 0 | 0.0% |
| Dallas County | 26 | 16 | 3 | 11.5% |
| Webb County | 22 | 18 | 2 | 9.1% |
| El Paso County | 16 | 5 | 3 | 18.8% |
| Parker County | 10 | 7 | 1 | 10.0% |
| Collin County | 6 | 4 | 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: 376 applications in 2025, of which 278 were originated and 36 denied.
9.6% of all applications, or 10.4% 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 Vantage Bank Texas'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