PlainsCapital Bank mortgage approval rate & lending review
PlainsCapital Bank decided 254 mortgage applications and funded 233 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions PlainsCapital Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
PlainsCapital Bank at a glance
Approval is 11.3 points above the 84.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Investment property purchase | 98% | 165 / 169 | 96% | $265K | 158 |
| Investment refinance | 94% | 32 / 34 | 100% | $75K | 32 |
PlainsCapital Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 95% | $245K | 243 | 223 |
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 PlainsCapital Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cameron County, TX | Investment property purchase | 96% | 52 | 48 |
The county markets where PlainsCapital Bank made the most loans. Each link opens that market with every lender ranked.
Questions about PlainsCapital Bank
What is PlainsCapital Bank's mortgage approval rate?
PlainsCapital Bank approved 95.3% of the 254 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.3 points above the 84.0% national rate for the same mix of loan types.
How often do borrowers take the loan PlainsCapital Bank offers?
Borrowers accepted 96% of the loans PlainsCapital Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does PlainsCapital Bank make?
The typical investment property mortgage loan PlainsCapital Bank made was $265K; across all loan types its typical loan ran from $75K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does PlainsCapital Bank lend?
PlainsCapital Bank decided applications in 7 of the states Fat Boy Data covers, most of them in Texas, California and Arizona.
Can I apply to PlainsCapital Bank directly?
Yes. PlainsCapital Bank is a bank or credit union with 57 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show PlainsCapital 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 PlainsCapital Bank treats applications, then get a rate quote from the lender.