PlainLender

TXN Bank

Hondo, TX

TXN Bank processed 59 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 33 loans with a 20.3% denial rate. Home Purchase was the primary loan purpose. Based in Hondo, TX. The approval rate of 55.9% reflects originated loans as a share of all applications.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. TXN Bank's 55.9% origination rate tells you how often an application turned into funded money; the 20.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (59 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.

59
Applications
33
Originated
20.3%
Denial Rate
$225,000
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 59 33 12 $225,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for TXN Bank (LEI: 254900WLIQVZ1HPUUJ36) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
5
Credit history
5
Other
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 33 23 $256,515
Other 17 6 $146,176
Refinancing 5 2 $357,000
Cash-out Refinancing 4 2 $135,000

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 54 57.4% 18.5%

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
Hispanic or Latino * 40 50.0% 22.5%
Not Hispanic or Latino * 14 64.3% 14.3%
Joint * 2 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

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 TXN Bank vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did TXN Bank process?
TXN Bank processed 59 mortgage applications in the 2024 HMDA reporting year. Of these, 33 were originated (approved and funded), 13 were withdrawn by the applicant, and 12 were denied.
What is TXN Bank's mortgage approval rate?
TXN Bank has an approval (origination) rate of 55.9%, meaning 55.9% of all applications resulted in a funded mortgage. The denial rate is 20.3%.
What is the average loan amount at TXN Bank?
The average mortgage loan amount at TXN Bank is $225,000.
What are the most common reasons for mortgage denial at TXN Bank?
The most common reasons for mortgage denial at TXN Bank are: Debt-to-income ratio, Credit history, Other. In total, 12 applications were denied out of 59 total applications.
What types of mortgage loans does TXN Bank offer?
TXN Bank processes Conventional loans. The most common type is Conventional with 59 applications and an average loan amount of $225,000.
What loan purposes does TXN Bank serve?
TXN Bank serves the following loan purposes: Home Purchase (33 applications), Other (17 applications), Refinancing (5 applications), Cash-out Refinancing (4 applications). Home Purchase is the most common purpose.
Where is TXN Bank located?
TXN Bank is headquartered in Hondo, TX. The lender is identified by LEI 254900WLIQVZ1HPUUJ36 in HMDA data.
How does TXN Bank compare in lending across racial demographics?
TXN Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 57.4% and denial rate of 18.5%. 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.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.