Ennis State Bank mortgage approval rate & lending review
Ennis State Bank decided 258 mortgage applications and funded 175 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ennis State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to ennisstatebank.com.
Ennis State Bank at a glance
Approval is 8.5 points below the 79.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 67% | 68 / 101 | 99% | $275K | 67 |
| Home improvement loans | 61% | 25 / 41 | 96% | $75K | 24 |
| Cash-out refinance | 56% | 18 / 32 | 100% | $135K | 18 |
| Investment property purchase | 87% | 54 / 62 | 89% | $205K | 48 |
Ennis State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 71% | $205K | 257 | 174 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ennis State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ellis County, TX | Mortgage lenders | 62% | 53 | 33 |
| Ellis County, TX | Investment property purchase | 80% | 30 | 21 |
| Ellis County, TX | Home improvement loans | 59% | 27 | 15 |
| Ellis County, TX | Cash-out refinance | 64% | 22 | 14 |
The county markets where Ennis State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Ennis State Bank
What is Ennis State Bank's mortgage approval rate?
Ennis State Bank approved 70.9% of the 258 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.5 points below the 79.4% national rate for the same mix of loan types.
How often do borrowers take the loan Ennis State Bank offers?
Borrowers accepted 96% of the loans Ennis State Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ennis State Bank make?
The typical home purchase mortgage loan Ennis State Bank made was $275K; across all loan types its typical loan ran from $75K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ennis State Bank lend?
Ennis State Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and South Carolina.
Can I apply to Ennis State Bank directly?
Yes. Ennis State Bank reports as a direct lender that takes applications from borrowers. Its website is ennisstatebank.com.
Does this page show Ennis State Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ennis State Bank treats applications, then get a rate quote from the lender.