West Texas National Bank in Texas vs the state
19.5%Denial rate+0.06 pts vs state
21.5%Decision denial rate-3.40 pts vs state
68.6%Origination rate+13.76 pts vs state
—Median rate
—Rate spread (pts)
$143kMedian applicant income
81Loans originated
23Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 82 | 60 | 18.3% | — | #595 |
| 2024 | 103 | 64 | 19.4% | — | #553 |
| 2025 | 118 | 81 | 19.5% | — | #520 |
What West Texas National Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most West Texas National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Midland County | 22 | 10 | 4 | 18.2% |
| Gaines County | 19 | 10 | 6 | 31.6% |
| Ector County | 13 | 8 | 4 | 30.8% |
| Lubbock County | 13 | 13 | 0 | 0.0% |
| Hale County | 10 | 9 | 0 | 0.0% |
| Reeves County | 8 | 3 | 5 | 62.5% |
| Floyd County | 7 | 6 | 1 | 14.3% |
| Brewster County | 5 | 4 | 0 | 0.0% |
| Crosby County | 3 | 3 | 0 | 0.0% |
| Pecos County | 1 | 0 | 1 | 100.0% |
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: 118 applications in 2025, of which 81 were originated and 23 denied.
19.5% of all applications, or 21.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are West Texas National 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