American Financial Resources in Texas vs the state
5.0%Denial rate-14.48 pts vs state
6.4%Decision denial rate-18.53 pts vs state
72.6%Origination rate+17.72 pts vs state
6.49%Median rate-0.01 pts vs state
0.37Rate spread (pts)+0.18 pts vs state
$107kMedian applicant income
938Loans originated
64Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 293 | 144 | 19.5% | 6.75% | #328 |
| 2024 | 481 | 287 | 13.1% | 6.75% | #259 |
| 2025 | 1,292 | 938 | 5.0% | 6.49% | #147 |
What American Financial Resources lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 143 | 109 | 4 | 2.8% |
| Harris County | 112 | 78 | 5 | 4.5% |
| Dallas County | 99 | 66 | 6 | 6.1% |
| Bexar County | 84 | 61 | 4 | 4.8% |
| Denton County | 57 | 48 | 0 | 0.0% |
| Montgomery County | 54 | 34 | 4 | 7.4% |
| Collin County | 37 | 28 | 1 | 2.7% |
| Travis County | 30 | 19 | 4 | 13.3% |
| Parker County | 26 | 20 | 1 | 3.8% |
| Wise County | 26 | 21 | 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: 1,292 applications in 2025, of which 938 were originated and 64 denied.
5.0% of all applications, or 6.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Financial Resources originated in Texas in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are American Financial Resources'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