Lenders › Bank of America NA › Texas
Bank of America NA 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, Bank of America NA reported 19,665 applications and 6,245 originations for 2024, $1.7bn in all.
Its denial rate in the state was 58.0%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 48.1%.
The median rate spread on its Texas originations was 1.3 percentage points (state median 0.2).
Applications in the state were down 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Bank of America NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 58.0% | 26.0% | 48.1% | 24.3% |
| Median rate spread, pp | 1.3 | 0.2 | 1.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 45.9% | 11.8% | 41.1% | 15.6% |
| Average originated loan | $273k | $350k | $360k | $329k |
| Home purchase share | 35.5% | 72.8% | 31.8% | 57.0% |
| FHA-insured share | 0.7% | 19.8% | 0.5% | 13.4% |
| VA-guaranteed share | 0.1% | 10.4% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 35% (2,216)Home improvement 34% (2,137)Refinancing 10% (634)Cash-out refinancing 3% (178)Other purpose 17% (1,080)
By type
Conventional 99% (6,192)FHA 1% (44)VA 0% (9)
Denial reasons as coded
Share of 9,127 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 3,445 | 1,052 | $292m | 59.1% |
| Dallas County | 2,434 | 842 | $272m | 54.7% |
| Collin County | 1,622 | 596 | $153m | 50.9% |
| Tarrant County | 1,822 | 589 | $157m | 58.1% |
| Denton County | 1,296 | 477 | $129m | 50.2% |
| Fort Bend County | 1,069 | 345 | $71m | 57.8% |
| Travis County | 883 | 314 | $191m | 51.8% |
| Bexar County | 1,051 | 309 | $62m | 61.4% |
| Montgomery County | 654 | 206 | $66m | 58.2% |
| Williamson County | 479 | 160 | $37m | 54.3% |
| El Paso County | 503 | 118 | $15m | 69.9% |
| Hidalgo County | 393 | 75 | $8.4m | 74.7% |
| Galveston County | 229 | 73 | $15m | 59.9% |
| Brazoria County | 218 | 71 | $18m | 58.1% |
| Rockwall County | 175 | 59 | $18m | 57.7% |
| Nueces County | 193 | 54 | $14m | 64.1% |
| Hays County | 137 | 52 | $12m | 49.1% |
| Ellis County | 169 | 51 | $18m | 59.6% |
| Kaufman County | 136 | 50 | $11m | 50.9% |
| Bell County | 183 | 47 | $6.3m | 68.2% |
| Cameron County | 166 | 36 | $5.8m | 72.0% |
| Parker County | 91 | 36 | $12m | 50.7% |
| McLennan County | 119 | 35 | $6.1m | 61.3% |
| Comal County | 112 | 28 | $7.6m | 65.5% |
| Johnson County | 106 | 27 | $4.2m | 66.7% |
| Grayson County | 73 | 27 | $4.7m | 51.8% |
| Smith County | 89 | 26 | $5.0m | 59.4% |
| Midland County | 78 | 26 | $6.3m | 54.1% |
| Brazos County | 66 | 25 | $6.4m | 53.6% |
| Guadalupe County | 84 | 24 | $3.3m | 65.2% |
| Hunt County | 71 | 24 | $3.0m | 60.0% |
| Lubbock County | 92 | 22 | $3.0m | 67.1% |
| Webb County | 100 | 21 | $2.4m | 74.1% |
| Taylor County | 46 | 18 | $2.0m | 46.2% |
| Jefferson County | 60 | 15 | $2.0m | 66.0% |
| Waller County | 49 | 15 | $3.2m | 61.9% |
| Henderson County | 32 | 14 | $8.8m | 46.4% |
| Wise County | 33 | 12 | $1.4m | 55.2% |
| Liberty County | 35 | 11 | $1.9m | 64.5% |
| Kendall County | 33 | 11 | $2.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Bank of America NA originate in Texas in 2024?
6,245 loans totalling $1.7bn, from 19,665 applications reported for properties in Texas.
What is Bank of America NA's denial rate in Texas?
58.0% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 48.1% 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 Bank of America NA lend in most?
By originations: Harris County (1,052), Dallas County (842), Collin County (596), Tarrant County (589), Denton County (477).
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.