American Federal Mortgage in Texas vs the state
2.9%Denial rate-16.49 pts vs state
8.7%Decision denial rate-16.20 pts vs state
30.9%Origination rate-24.00 pts vs state
5.93%Median rate-0.57 pts vs state
-0.20Rate spread (pts)-0.39 pts vs state
$184kMedian applicant income
42Loans originated
4Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 181 | 52 | 6.1% | 6.13% | #425 |
| 2024 | 119 | 41 | 2.5% | 6.50% | #522 |
| 2025 | 136 | 42 | 2.9% | 5.93% | #495 |
What American Federal Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Federal Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 23 | 2 | 0 | 0.0% |
| Harris County | 19 | 4 | 0 | 0.0% |
| Tarrant County | 12 | 5 | 1 | 8.3% |
| Fort Bend County | 11 | 7 | 0 | 0.0% |
| Williamson County | 11 | 2 | 0 | 0.0% |
| Travis County | 11 | 6 | 1 | 9.1% |
| Denton County | 7 | 2 | 0 | 0.0% |
| Dallas County | 6 | 2 | 0 | 0.0% |
| Montgomery County | 5 | 1 | 0 | 0.0% |
| Bexar County | 5 | 2 | 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: 136 applications in 2025, of which 42 were originated and 4 denied.
2.9% of all applications, or 8.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Federal Mortgage originated in Texas in 2025 was 5.93%, against a statewide median of 6.50%.
About this data. Figures are American Federal 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