Commercial Bank of Texas, National Association
Commercial Bank of Texas, National Association received 534 applications in 2025 and made 418 mortgages, in 56 counties across 9 states. The median rate its borrowers got was 7.000% on a median loan of $220,000. Of 523 decisions, 30 were denials — 5.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300M16XETIG2Z5N24 |
|---|---|
| Applications received | 534 |
| Mortgages made | 418 |
| Denied | 30 |
| Approved, not taken up | 75 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.712 points |
| FDIC-insured bank | Yes: Commercial Bank of Texas, National Association, 24 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 300 | 6.990% | $255,000 | 1.4% |
| Refinancing | 21 | 7.000% | $265,000 | 14.3% |
| Cash-out refinancing | 55 | 7.250% | $155,000 | 15.0% |
| Other purposes | 42 | 7.500% | $125,000 | 14.5% |
Where Commercial Bank of Texas, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Nacogdoches County, TX | 115 | 7.000% | 5.6% |
| Angelina County, TX | 107 | 7.000% | 9.2% |
| Anderson County, TX | 45 | 7.000% | 3.9% |
| Collin County, TX | 25 | 6.750% | 7.1% |
| Rains County, TX | 12 | 7.125% | 0.0% |
| Rusk County, TX | 11 | 7.125% | 0.0% |
| Palo Pinto County, TX | 9 | Under 10 loans | 9.1% |
| Cherokee County, TX | 8 | Under 10 loans | 0.0% |
| Dallas County, TX | 7 | Under 10 loans | 0.0% |
| Denton County, TX | 6 | Under 10 loans | 0.0% |
| Harris County, TX | 6 | Under 10 loans | 0.0% |
| Houston County, TX | 5 | Under 10 loans | 0.0% |
| Polk County, TX | 5 | Under 10 loans | 16.7% |
| Galveston County, TX | 4 | Under 10 loans | 0.0% |
| Shelby County, TX | 4 | Under 10 loans | 0.0% |
| Hunt County, TX | 3 | Under 10 loans | 0.0% |
| Johnson County, TX | 3 | Under 10 loans | 0.0% |
| Trinity County, TX | 3 | Under 10 loans | 0.0% |
| Davidson County, TN | 2 | Under 10 loans | 0.0% |
| Grayson County, TX | 2 | Under 10 loans | 0.0% |
| Jasper County, TX | 2 | Under 10 loans | 0.0% |
| Montgomery County, TX | 2 | Under 10 loans | 0.0% |
| Parker County, TX | 2 | Under 10 loans | 0.0% |
| San Augustine County, TX | 2 | Under 10 loans | 0.0% |
| Smith County, TX | 2 | Under 10 loans | 0.0% |
| Titus County, TX | 2 | Under 10 loans | 0.0% |
| Wood County, TX | 2 | Under 10 loans | 0.0% |
| Archuleta County, CO | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Madison County, IN | 1 | Under 10 loans | 0.0% |
| Avoyelles Parish, LA | 1 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Fannin County, TX | 1 | Under 10 loans | 0.0% |
| Hardin County, TX | 1 | Under 10 loans | 0.0% |
| Harrison County, TX | 1 | Under 10 loans | 0.0% |
| Jefferson County, TX | 1 | Under 10 loans | 0.0% |
| Midland County, TX | 1 | Under 10 loans | 0.0% |
| Orange County, TX | 1 | Under 10 loans | 0.0% |
| Real County, TX | 1 | Under 10 loans | 0.0% |
| Rockwall County, TX | 1 | Under 10 loans | 0.0% |
| Scurry County, TX | 1 | Under 10 loans | 0.0% |
| Shackelford County, TX | 1 | Under 10 loans | 0.0% |
| Stephens County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Upshur County, TX | 1 | Under 10 loans | 0.0% |
| Thurston County, WA | 1 | Under 10 loans | 0.0% |
| Brazos County, TX | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.