Western Bank in Texas vs the state
9.2%Denial rate-10.23 pts vs state
11.2%Decision denial rate-13.71 pts vs state
73.0%Origination rate+18.11 pts vs state
8.00%Median rate+1.50 pts vs state
0.27Rate spread (pts)+0.07 pts vs state
$110kMedian applicant income
127Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 79 | 6.6% | 9.25% | #574 |
| 2024 | 101 | 84 | 7.9% | 9.00% | #554 |
| 2025 | 174 | 127 | 9.2% | 8.00% | #442 |
What Western Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Western Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lubbock County | 59 | 40 | 2 | 3.4% |
| Randall County | 33 | 31 | 1 | 3.0% |
| Potter County | 16 | 16 | 0 | 0.0% |
| Taylor County | 16 | 15 | 0 | 0.0% |
| Hale County | 15 | 3 | 8 | 53.3% |
| Brown County | 5 | 4 | 0 | 0.0% |
| Howard County | 5 | 4 | 0 | 0.0% |
| Lynn County | 2 | 1 | 0 | 0.0% |
| Gaines County | 2 | 1 | 1 | 50.0% |
| Hansford County | 2 | 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: 174 applications in 2025, of which 127 were originated and 16 denied.
9.2% of all applications, or 11.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Western Bank originated in Texas in 2025 was 8.00%, against a statewide median of 6.50%.
About this data. Figures are Western 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