West Texas National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th20.5% deniedProcesswithdrawn + incomplete share, weight 15%
56th10.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 87 | 62 | 17.2% | 19.5% | — | $22M |
| 2024 | 108 | 68 | 18.5% | 22.2% | — | $27M |
| 2025 | 125 | 85 | 18.4% | 20.5% | — | $30M |
What West Texas National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 45 investment properties.
Why West Texas National Bank denies applications
Primary reason reported for each of the 23 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at West Texas National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 23 | 13 | 31.8% |
| $150k – $250k | 20 | 15 | 16.7% |
| Over $250k | 22 | 11 | 20.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 20 | 12 | 36.8% |
| 35–44 | 28 | 15 | 26.1% |
Where West Texas National Bank lends
7 states and 34 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 118 | 81 | 19.5% | — | #520 |
Frequently asked questions
West Texas National Bank denied 20.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of small mortgage lenders.
The most common reason West Texas National Bank gave in 2025 was "debt-to-income ratio", cited on 56.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 54% of its applications were for home purchases, 22% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.