21st Mortgage in Texas vs the state
45.9%Denial rate+26.42 pts vs state
70.8%Decision denial rate+45.88 pts vs state
17.8%Origination rate-37.06 pts vs state
9.94%Median rate+3.44 pts vs state
4.20Rate spread (pts)+4.01 pts vs state
$72kMedian applicant income
6,763Loans originated
17,405Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36,035 | 5,960 | 47.5% | 9.60% | #1 |
| 2024 | 38,176 | 6,593 | 45.8% | 9.97% | #2 |
| 2025 | 37,961 | 6,763 | 45.9% | 9.94% | #3 |
What 21st Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ector County | 1,717 | 257 | 859 | 50.0% |
| Bexar County | 1,548 | 201 | 792 | 51.2% |
| Harris County | 1,436 | 152 | 803 | 55.9% |
| Liberty County | 1,346 | 255 | 554 | 41.2% |
| Montgomery County | 1,238 | 193 | 570 | 46.0% |
| Midland County | 1,202 | 196 | 574 | 47.8% |
| Hidalgo County | 1,072 | 188 | 598 | 55.8% |
| Dallas County | 840 | 133 | 468 | 55.7% |
| Tarrant County | 799 | 109 | 451 | 56.4% |
| Smith County | 738 | 137 | 369 | 50.0% |
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% |
| 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% |
| Newrez | D | 15,001 | 21.7% | 6.50% |
Frequently asked questions
Texas: 37,961 applications in 2025, of which 6,763 were originated and 17,405 denied.
45.9% of all applications, or 70.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans 21st Mortgage originated in Texas in 2025 was 9.94%, against a statewide median of 6.50%.
About this data. Figures are 21st Mortgage'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