Lender in Texas · HMDA 2025
Jefferson Bank mortgages in Texas
Jefferson Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Jefferson Bank originated 284 owner-occupied single-family loans in Texas from 369 completed applications.
Its median conventional purchase loan costs were $7,690 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.375% (Texas: 6.50%).
Loans in TX
284
of 369 applications
Denial rate
5.5%
Purchase · TX 10.2%
Rate spread
+0.25 pts
Conv. · TX +0.09 pts
Loan amount
$395,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 312 | 239 | 5.5% | 6.375% | +0.25 pts | $7,690 | $395,000 |
| Refinance | 12 | 7 | — | — | — | — | — |
| Cash-out refinance | 45 | 38 | 4.4% | — | +0.35 pts | $7,430 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Jefferson Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Scurry County | 7 | 4 | 3.3% |
| Kendall County | 9 | 23 | 2.3% |
| Atascosa County | 21 | 6 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology