American Financial Network in Texas vs the state
12.7%Denial rate-6.70 pts vs state
18.5%Decision denial rate-6.38 pts vs state
55.2%Origination rate+0.29 pts vs state
6.88%Median rate+0.38 pts vs state
0.64Rate spread (pts)+0.45 pts vs state
$106kMedian applicant income
880Loans originated
203Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,667 | 849 | 10.6% | 6.88% | #104 |
| 2024 | 1,503 | 828 | 10.8% | 7.13% | #118 |
| 2025 | 1,595 | 880 | 12.7% | 6.88% | #125 |
What American Financial Network lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 302 | 159 | 51 | 16.9% |
| Bexar County | 133 | 66 | 15 | 11.3% |
| Dallas County | 116 | 61 | 11 | 9.5% |
| Tarrant County | 111 | 51 | 13 | 11.7% |
| Collin County | 84 | 55 | 3 | 3.6% |
| Denton County | 79 | 57 | 3 | 3.8% |
| Montgomery County | 72 | 43 | 11 | 15.3% |
| Fort Bend County | 63 | 40 | 9 | 14.3% |
| Travis County | 43 | 21 | 9 | 20.9% |
| Jefferson County | 40 | 23 | 4 | 10.0% |
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: 1,595 applications in 2025, of which 880 were originated and 203 denied.
12.7% of all applications, or 18.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Financial Network originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are American Financial Network'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