1st Signature Lending in Texas vs the state
4.0%Denial rate-15.48 pts vs state
5.6%Decision denial rate-19.34 pts vs state
67.1%Origination rate+12.23 pts vs state
5.88%Median rate-0.63 pts vs state
0.33Rate spread (pts)+0.14 pts vs state
$104kMedian applicant income
51Loans originated
3Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 41 | 3.7% | 7.25% | #699 |
| 2024 | 54 | 34 | 7.4% | 6.50% | #675 |
| 2025 | 76 | 51 | 4.0% | 5.88% | #618 |
What 1st Signature Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most 1st Signature Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gonzales County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 76 applications in 2025, of which 51 were originated and 3 denied.
4.0% of all applications, or 5.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans 1st Signature Lending originated in Texas in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are 1st Signature Lending's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology