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Texas Bank and Trust in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Texas, Texas Bank and Trust reported 519 applications and 330 originations for 2024, $128m in all.
Its denial rate in the state was 16.3%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 16.2%.
Applications in the state were down 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Texas Bank and Trust, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.3% | 26.0% | 16.2% | 24.3% |
| Median rate spread, pp | — | 0.2 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 11.8% | — | 15.6% |
| Average originated loan | $388k | $350k | $390k | $329k |
| Home purchase share | 74.5% | 72.8% | 74.7% | 57.0% |
| FHA-insured share | 0.0% | 19.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 75% (246)Home improvement 11% (37)Refinancing 4% (12)Cash-out refinancing 6% (19)Other purpose 5% (16)
By type
Conventional 100% (330)
Denial reasons as coded
Share of 84 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Smith County | 143 | 97 | $37m | 10.5% |
| Gregg County | 104 | 65 | $17m | 22.3% |
| Dallas County | 37 | 23 | $17m | 13.9% |
| Harrison County | 39 | 20 | $6.2m | 20.5% |
| Van Zandt County | 29 | 18 | $3.7m | 20.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Texas Bank and Trust originate in Texas in 2024?
330 loans totalling $128m, from 519 applications reported for properties in Texas.
What is Texas Bank and Trust's denial rate in Texas?
16.3% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 16.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does Texas Bank and Trust lend in most?
By originations: Smith County (97), Gregg County (65), Dallas County (23), Harrison County (20), Van Zandt County (18).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.