Wells Fargo Bank in Texas vs the state
21.6%Denial rate+2.17 pts vs state
32.4%Decision denial rate+7.49 pts vs state
44.9%Origination rate-10.03 pts vs state
6.38%Median rate-0.13 pts vs state
0.13Rate spread (pts)-0.06 pts vs state
$106kMedian applicant income
2,647Loans originated
1,275Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,689 | 4,069 | 33.4% | 6.13% | #18 |
| 2024 | 7,016 | 2,504 | 31.1% | 6.50% | #26 |
| 2025 | 5,902 | 2,647 | 21.6% | 6.38% | #31 |
What Wells Fargo Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 980 | 388 | 250 | 25.5% |
| Tarrant County | 598 | 319 | 111 | 18.6% |
| Dallas County | 582 | 260 | 129 | 22.2% |
| Bexar County | 336 | 144 | 79 | 23.5% |
| Travis County | 293 | 141 | 44 | 15.0% |
| Fort Bend County | 251 | 99 | 65 | 25.9% |
| Collin County | 232 | 99 | 43 | 18.5% |
| Denton County | 224 | 104 | 42 | 18.8% |
| Montgomery County | 159 | 86 | 25 | 15.7% |
| El Paso County | 138 | 50 | 52 | 37.7% |
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: 5,902 applications in 2025, of which 2,647 were originated and 1,275 denied.
21.6% of all applications, or 32.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Wells Fargo Bank originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Wells Fargo 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