Texas Bank and Trust Company
Texas Bank and Trust Company received 476 applications in 2025 and made 296 mortgages, in 38 counties across 3 states. The median rate its borrowers got was 6.750% on a median loan of $265,000. Of 473 decisions, 78 were denials — 16.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TETFK3GXOHZ594 |
|---|---|
| Applications received | 476 |
| Mortgages made | 296 |
| Denied | 78 |
| Approved, not taken up | 99 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0455 points |
| FDIC-insured bank | Yes: Texas Bank and Trust Company, 22 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 193 | 6.625% | $305,000 | 11.3% |
| Refinancing | 28 | 6.875% | $230,000 | 14.3% |
| Cash-out refinancing | 22 | 7.000% | $210,000 | 25.6% |
| Other purposes | 53 | 7.000% | $95,000 | 28.7% |
Where Texas Bank and Trust Company lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Smith County, TX | 80 | 6.750% | 15.3% |
| Gregg County, TX | 65 | 6.750% | 13.5% |
| Dallas County, TX | 20 | 6.875% | 0.0% |
| Van Zandt County, TX | 20 | 7.125% | 23.3% |
| Rusk County, TX | 17 | 6.875% | 9.5% |
| Harrison County, TX | 15 | 6.375% | 28.1% |
| Collin County, TX | 13 | 6.625% | 23.8% |
| Upshur County, TX | 12 | 6.875% | 11.1% |
| Tarrant County, TX | 11 | 6.750% | 14.3% |
| Denton County, TX | 5 | Under 10 loans | 22.2% |
| Henderson County, TX | 4 | Under 10 loans | 30.0% |
| Kaufman County, TX | 4 | Under 10 loans | 50.0% |
| Anderson County, TX | 3 | Under 10 loans | 0.0% |
| Cherokee County, TX | 3 | Under 10 loans | 16.7% |
| Wood County, TX | 3 | Under 10 loans | 0.0% |
| Camp County, TX | 2 | Under 10 loans | 25.0% |
| Ellis County, TX | 2 | Under 10 loans | 0.0% |
| Grayson County, TX | 2 | Under 10 loans | 33.3% |
| Hill County, TX | 2 | Under 10 loans | 0.0% |
| Rockwall County, TX | 2 | Under 10 loans | 33.3% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
| Cleveland County, OK | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Palo Pinto County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Wise County, TX | 1 | Under 10 loans | 0.0% |
| Young County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 0 | Under 10 loans | 0.0% |
| Marion County, TX | 0 | Under 10 loans | 50.0% |
| Morris County, TX | 0 | Under 10 loans | 0.0% |
| Panola County, TX | 0 | Under 10 loans | 100.0% |
| Rains County, TX | 0 | Under 10 loans | 0.0% |
| Shelby County, TX | 0 | Under 10 loans | 100.0% |
| Titus County, TX | 0 | Under 10 loans | 0.0% |
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When Texas Bank and Trust Company’s figures are published for the next year, or restated.
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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.