Lender in Texas · HMDA 2025
Southside Bank mortgages in Texas
Southside Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Southside Bank originated 203 owner-occupied single-family loans in Texas from 347 completed applications.
Its median conventional purchase loan costs were $6,370 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.75% (Texas: 6.50%).
Loans in TX
203
of 347 applications
Denial rate
39.8%
Purchase · TX 10.2%
Rate spread
+0.35 pts
Conv. · TX +0.09 pts
Loan amount
$295,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 279 | 167 | 39.8% | 6.750% | +0.35 pts | $6,370 | $295,000 |
| Refinance | 18 | 10 | — | — | — | — | — |
| Cash-out refinance | 50 | 26 | 48.0% | — | +0.47 pts | $5,710 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Southside Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Angelina County | 6 | 24 | 3.7% |
| Smith County | 11 | 56 | 1.9% |
| Nacogdoches County | 17 | 5 | 1.1% |
| Jasper County | 18 | 4 | 1.5% |
| San Jacinto County | 20 | 3 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology