American Financing in Texas vs the state
55.4%Denial rate+35.95 pts vs state
72.7%Decision denial rate+47.84 pts vs state
13.9%Origination rate-40.95 pts vs state
6.50%Median rate0.00 pts vs state
0.26Rate spread (pts)+0.06 pts vs state
$101kMedian applicant income
304Loans originated
1,209Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 956 | 158 | 44.3% | 6.69% | #160 |
| 2024 | 1,499 | 202 | 63.8% | 6.50% | #120 |
| 2025 | 2,183 | 304 | 55.4% | 6.50% | #89 |
What American Financing lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 237 | 32 | 139 | 58.6% |
| Bexar County | 150 | 12 | 98 | 65.3% |
| Tarrant County | 146 | 19 | 79 | 54.1% |
| Dallas County | 81 | 13 | 42 | 51.9% |
| Denton County | 75 | 8 | 45 | 60.0% |
| Montgomery County | 75 | 12 | 42 | 56.0% |
| El Paso County | 72 | 11 | 42 | 58.3% |
| Collin County | 69 | 13 | 33 | 47.8% |
| Travis County | 49 | 4 | 22 | 44.9% |
| Fort Bend County | 47 | 3 | 28 | 59.6% |
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: 2,183 applications in 2025, of which 304 were originated and 1,209 denied.
55.4% of all applications, or 72.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Financing originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are American Financing'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