PlainLender

WILLOW BEND MORTGAGE

PLANO, TX

WILLOW BEND MORTGAGE processed 1,553 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 885 loans with a 2.3% denial rate. Home Purchase was the primary loan purpose. Based in PLANO, TX. The approval rate of 57.0% 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. WILLOW BEND MORTGAGE processed 1,553 HMDA-reported mortgage applications in 2024, originating 885 loans and denying 36 for a denial rate of 2.3% (applicants themselves withdrew 622 files before a decision). The average loan amount was $301,285 at a 6.716% average note rate, and applicants self-reported an average income of $40,000. The lender reports under LEI 549300QURAICH2YGJV94 from PLANO, 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. WILLOW BEND MORTGAGE's 57.0% origination rate tells you how often an application turned into funded money; the 2.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (822 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.

1,553
Applications
885
Originated
2.3%
Denial Rate
$301,285
Avg Loan Amount
Avg Interest Rate: 6.716% Avg Applicant Income: $40,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 822 460 16 $348,674
FHA 628 365 15 $243,328
VA 95 55 5 $284,368
USDA 8 5 0 $182,500

Top loan types — WILLOW BEND MORTGAGE

Top loan types — WILLOW BEND MORTGAGE Horizontal bar chart of the top 4 items by value (applications). Top loan types — WILLOW BEND MORTGAGE Top 4 1. Conventional 822 2. FHA 628 3. VA 95 4. USDA 8 Top 5 loan types by application volume at WILLOW BEND MORTGAGE (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for WILLOW BEND MORTGAGE (LEI: 549300QURAICH2YGJV94) · 2023 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
20
Other
7
Collateral
4
Insufficient cash
2
Unverifiable information
1
Credit history
1
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 1,145 684 $297,140
Refinancing 301 166 $321,113
Cash-out Refinancing 107 35 $289,860

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 1,291 59.2% 2.3%
Black or African American 55 36.4% 1.8%
Asian 53 60.4% 1.9%
Joint 28 42.9% 0.0%
American Indian or Alaska Native 14 50.0% 7.1%
Native Hawaiian or Other Pacific Islander 1 0.0% 100.0%

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
Hispanic or Latino 897 58.8% 3.5%
Not Hispanic or Latino 554 58.3% 0.9%
Joint 57 54.4% 0.0%

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 WILLOW BEND MORTGAGE 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 WILLOW BEND MORTGAGE process?
WILLOW BEND MORTGAGE processed 1,553 mortgage applications in the 2023 HMDA reporting year. Of these, 885 were originated (approved and funded), 622 were withdrawn by the applicant, and 36 were denied.
What is WILLOW BEND MORTGAGE's mortgage approval rate?
WILLOW BEND MORTGAGE has an approval (origination) rate of 57.0%, meaning 57.0% of all applications resulted in a funded mortgage. The denial rate is 2.3%.
What is the average loan amount at WILLOW BEND MORTGAGE?
The average mortgage loan amount at WILLOW BEND MORTGAGE is $301,285. The average interest rate is 6.716%. The average applicant income is $40,000.
What are the most common reasons for mortgage denial at WILLOW BEND MORTGAGE?
The most common reasons for mortgage denial at WILLOW BEND MORTGAGE are: Debt-to-income ratio, Other, Collateral. In total, 36 applications were denied out of 1,553 total applications.
What types of mortgage loans does WILLOW BEND MORTGAGE offer?
WILLOW BEND MORTGAGE processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 822 applications and an average loan amount of $348,674.
What loan purposes does WILLOW BEND MORTGAGE serve?
WILLOW BEND MORTGAGE serves the following loan purposes: Home Purchase (1,145 applications), Refinancing (301 applications), Cash-out Refinancing (107 applications). Home Purchase is the most common purpose.
Where is WILLOW BEND MORTGAGE located?
WILLOW BEND MORTGAGE is headquartered in PLANO, TX. The lender is identified by LEI 549300QURAICH2YGJV94 in HMDA data.
How does WILLOW BEND MORTGAGE compare in lending across racial demographics?
WILLOW BEND MORTGAGE reports demographic lending data under HMDA requirements. White applicants have an approval rate of 59.2% and denial rate of 2.3%; Black or African American applicants have an approval rate of 36.4% and denial rate of 1.8%; Asian applicants have an approval rate of 60.4% and denial rate of 1.9%. 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.