Washington Federal Bank in Texas vs the state
40.0%Denial rate+20.57 pts vs state
50.0%Decision denial rate+25.10 pts vs state
40.0%Origination rate-14.88 pts vs state
6.00%Median rate-0.50 pts vs state
—Rate spread (pts)
$260kMedian applicant income
2Loans originated
2Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 18 | 34.7% | 7.38% | #626 |
| 2024 | 32 | 8 | 21.9% | 8.63% | #776 |
| 2025 | 5 | 2 | 40.0% | 6.00% | #1,088 |
What Washington Federal Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Washington Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 2 | 1 | 0 | 0.0% |
| Dallas County | 2 | 0 | 2 | 100.0% |
| Tom Green 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: 5 applications in 2025, of which 2 were originated and 2 denied.
40.0% of all applications, or 50.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Washington Federal Bank originated in Texas in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Washington Federal 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