PlainLender

Texas Bank

Henderson, TX

Texas Bank processed 179 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 95 loans with a 20.1% denial rate. Home Purchase was the primary loan purpose. Based in Henderson, TX. The approval rate of 53.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Texas Bank processed 179 HMDA-reported mortgage applications in 2024, originating 95 loans and denying 36 for a denial rate of 20.1% (applicants themselves withdrew 43 files before a decision). The average loan amount was $319,972. The lender reports under LEI 549300W6OBJ6KNM5Y833 from Henderson, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Texas Bank's 53.1% origination rate tells you how often an application turned into funded money; the 20.1% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (179 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

179
Applications
95
Originated
20.1%
Denial Rate
$319,972
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 179 95 36 $319,972

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Texas Bank (LEI: 549300W6OBJ6KNM5Y833) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 109 61 $340,963
Refinancing 38 21 $457,368
Other 18 5 $99,444
Home Improvement 14 8 $67,143

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 120 45.8% 24.2%
Black or African American 9 55.6% 44.4%
American Indian or Alaska Native 5 40.0% 40.0%
Joint 5 40.0% 20.0%
Asian 1 0.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 78 52.6% 23.1%
Hispanic or Latino 51 37.3% 31.4%
Joint 10 30.0% 10.0%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare Texas Bank vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Texas Bank process?
Texas Bank processed 179 mortgage applications in the 2023 HMDA reporting year. Of these, 95 were originated (approved and funded), 43 were withdrawn by the applicant, and 36 were denied.
What is Texas Bank's mortgage approval rate?
Texas Bank has an approval (origination) rate of 53.1%, meaning 53.1% of all applications resulted in a funded mortgage. The denial rate is 20.1%.
What is the average loan amount at Texas Bank?
The average mortgage loan amount at Texas Bank is $319,972.
What types of mortgage loans does Texas Bank offer?
Texas Bank processes Conventional loans. The most common type is Conventional with 179 applications and an average loan amount of $319,972.
What loan purposes does Texas Bank serve?
Texas Bank serves the following loan purposes: Home Purchase (109 applications), Refinancing (38 applications), Other (18 applications), Home Improvement (14 applications). Home Purchase is the most common purpose.
Where is Texas Bank located?
Texas Bank is headquartered in Henderson, TX. The lender is identified by LEI 549300W6OBJ6KNM5Y833 in HMDA data.
How does Texas Bank compare in lending across racial demographics?
Texas Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 45.8% and denial rate of 24.2%; Black or African American applicants have an approval rate of 55.6% and denial rate of 44.4%; American Indian or Alaska Native applicants have an approval rate of 40.0% and denial rate of 40.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.