VeraBank in Texas vs the state
12.8%Denial rate-6.63 pts vs state
15.0%Decision denial rate-9.86 pts vs state
70.3%Origination rate+15.45 pts vs state
7.38%Median rate+0.88 pts vs state
0.41Rate spread (pts)+0.22 pts vs state
$97kMedian applicant income
467Loans originated
85Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,199 | 921 | 10.2% | 6.75% | #132 |
| 2024 | 945 | 685 | 11.4% | 7.63% | #173 |
| 2025 | 664 | 467 | 12.8% | 7.38% | #217 |
What VeraBank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most VeraBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Smith County | 71 | 52 | 8 | 11.3% |
| Gregg County | 63 | 46 | 7 | 11.1% |
| Rusk County | 61 | 39 | 7 | 11.5% |
| Brazos County | 50 | 45 | 2 | 4.0% |
| Navarro County | 41 | 28 | 8 | 19.5% |
| Anderson County | 40 | 31 | 5 | 12.5% |
| Harrison County | 38 | 23 | 6 | 15.8% |
| Travis County | 35 | 26 | 3 | 8.6% |
| Titus County | 33 | 21 | 7 | 21.2% |
| Henderson County | 28 | 17 | 5 | 17.9% |
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: 664 applications in 2025, of which 467 were originated and 85 denied.
12.8% of all applications, or 15.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans VeraBank originated in Texas in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are VeraBank'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