West Gate Bank in Texas vs the state
12.5%Denial rate-6.93 pts vs state
12.5%Decision denial rate-12.40 pts vs state
87.5%Origination rate+32.62 pts vs state
6.38%Median rate-0.13 pts vs state
-0.13Rate spread (pts)-0.32 pts vs state
$134kMedian applicant income
7Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 20.0% | 7.19% | #1,123 |
| 2024 | 7 | 6 | 0.0% | 6.88% | #1,014 |
| 2025 | 8 | 7 | 12.5% | 6.38% | #993 |
What West Gate Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most West Gate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Swisher County | 2 | 1 | 1 | 50.0% |
| Harris County | 1 | 1 | 0 | 0.0% |
| Wise County | 1 | 1 | 0 | 0.0% |
| Dallas County | 1 | 1 | 0 | 0.0% |
| Somervell County | 1 | 1 | 0 | 0.0% |
| Randall County | 1 | 1 | 0 | 0.0% |
| Bailey 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: 8 applications in 2025, of which 7 were originated and 1 denied.
12.5% of all applications, or 12.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans West Gate Bank originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are West Gate 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