Lender in Texas · HMDA 2025
NBKC Bank mortgages in Texas
NBKC Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
NBKC Bank originated 490 owner-occupied single-family loans in Texas from 593 completed applications.
Its median conventional purchase loan costs were $4,940 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.49% (Texas: 6.50%).
Loans in TX
490
of 593 applications
Denial rate
9.3%
Purchase · TX 10.2%
Rate spread
−0.04 pts
Conv. · TX +0.09 pts
Loan amount
$355,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 377 | 342 | 9.3% | 6.490% | −0.04 pts | $4,940 | $355,000 |
| Refinance | 170 | 122 | 27.7% | 6.250% | −0.25 pts | $3,570 | $415,000 |
| Cash-out refinance | 46 | 26 | 41.3% | — | +0.35 pts | $5,870 | $335,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where NBKC Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Baylor County | 4 | 1 | 3.6% |
| Jackson County | 17 | 1 | 1.0% |
| Jones County | 21 | 1 | 0.7% |
| Maverick County | 21 | 1 | 0.3% |
| Young County | 24 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology