Lender in Texas · HMDA 2025
Plains Commerce Bank mortgages in Texas
Plains Commerce Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Plains Commerce Bank originated 1,009 owner-occupied single-family loans in Texas from 1,137 completed applications.
Its median conventional purchase loan costs were $9,290 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
1,009
of 1,137 applications
Denial rate
10.4%
Purchase · TX 10.2%
Rate spread
+0.25 pts
Conv. · TX +0.09 pts
Loan amount
$315,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,067 | 955 | 10.4% | 6.625% | +0.25 pts | $9,290 | $315,000 |
| Refinance | 45 | 36 | 20.0% | 6.375% | −0.01 pts | $6,830 | $415,000 |
| Cash-out refinance | 25 | 18 | 28.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Plains Commerce Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dallam County | 6 | 3 | 5.9% |
| Shelby County | 8 | 3 | 2.6% |
| Hartley County | 10 | 2 | 3.6% |
| San Saba County | 13 | 1 | 4.0% |
| Val Verde County | 15 | 4 | 1.0% |
| Archer County | 15 | 2 | 1.3% |
| Harrison County | 17 | 7 | 1.1% |
| Milam County | 20 | 3 | 1.3% |
| Willacy County | 20 | 1 | 1.7% |
| Mitchell County | 21 | 1 | 2.1% |
| Wood County | 22 | 5 | 0.8% |
| Reeves County | 22 | 1 | 1.3% |
| Nacogdoches County | 24 | 3 | 0.7% |
| Refugio County | 24 | 1 | 1.9% |
| Gregg County | 25 | 9 | 0.7% |
| Cooke County | 25 | 4 | 0.7% |
| Callahan County | 25 | 2 | 1.0% |
| Fayette County | 25 | 2 | 1.1% |
| Lynn County | 25 | 1 | 1.5% |
- Plains Commerce Bank nationwide
- Texas mortgage market
- Plains Commerce Bank in Florida
- Plains Commerce Bank in South Dakota
- Plains Commerce Bank in Arizona
- Plains Commerce Bank in Utah
- Plains Commerce Bank in Colorado
- Plains Commerce Bank in Georgia
- Plains Commerce Bank in Minnesota
- Plains Commerce Bank in Nebraska
- Plains Commerce Bank in North Carolina
- Plains Commerce Bank in California
- Plains Commerce Bank in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology