Jefferson Bank mortgage approval rate & lending review
Jefferson Bank decided 1,283 mortgage applications and funded 997 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Jefferson Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Jefferson Bank at a glance
Approval is 10.1 points above the 83.1% 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 | 97% | 744 / 770 | 81% | $345K | 605 |
| Home improvement loans | 85% | 45 / 53 | 89% | $95K | 40 |
| Cash-out refinance | 85% | 107 / 126 | 89% | $205K | 95 |
| Refinance | 82% | 64 / 78 | 75% | $345K | 48 |
| Investment property purchase | 94% | 171 / 181 | 87% | $205K | 149 |
| Investment refinance | 95% | 39 / 41 | 92% | $165K | 36 |
Jefferson Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 93% | $345K | 1,281 | 995 |
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 Jefferson Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Mortgage lenders | 97% | 562 | 441 |
| Bexar County, TX | Investment property purchase | 92% | 108 | 85 |
| Comal County, TX | Mortgage lenders | 97% | 106 | 83 |
| Bexar County, TX | Cash-out refinance | 85% | 103 | 78 |
| Bexar County, TX | Refinance | 82% | 62 | 39 |
| Bexar County, TX | Home improvement loans | 83% | 42 | 30 |
| Bexar County, TX | Investment refinance | 100% | 25 | 22 |
| Comal County, TX | Investment property purchase | 100% | 20 | 18 |
| Bexar County, TX | Investment cash-out refinance | 80% | 20 | 14 |
The county markets where Jefferson Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Jefferson Bank
What is Jefferson Bank's mortgage approval rate?
Jefferson Bank approved 93.2% of the 1,283 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.1 points above the 83.1% national rate for the same mix of loan types.
How often do borrowers take the loan Jefferson Bank offers?
Borrowers accepted 83% of the loans Jefferson 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 Jefferson Bank make?
The typical home purchase mortgage loan Jefferson Bank made was $345K; across all loan types its typical loan ran from $95K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Jefferson Bank lend?
Jefferson Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Texas, New Mexico and Tennessee.
Can I apply to Jefferson Bank directly?
Yes. Jefferson Bank is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Jefferson 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 Jefferson Bank treats applications, then get a rate quote from the lender.