American Heritage Lending in Texas vs the state
6.6%Denial rate-12.81 pts vs state
9.8%Decision denial rate-15.13 pts vs state
47.1%Origination rate-7.83 pts vs state
7.63%Median rate+1.13 pts vs state
1.42Rate spread (pts)+1.23 pts vs state
$214kMedian applicant income
462Loans originated
65Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 563 | 263 | 6.8% | 8.75% | #239 |
| 2024 | 847 | 404 | 8.0% | 7.88% | #187 |
| 2025 | 982 | 462 | 6.6% | 7.63% | #170 |
What American Heritage Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 188 | 111 | 14 | 7.4% |
| Harris County | 147 | 62 | 12 | 8.2% |
| Tarrant County | 80 | 50 | 0 | 0.0% |
| Bexar County | 78 | 34 | 6 | 7.7% |
| Montgomery County | 33 | 15 | 2 | 6.1% |
| Travis County | 30 | 7 | 1 | 3.3% |
| Kaufman County | 24 | 16 | 3 | 12.5% |
| Denton County | 23 | 11 | 0 | 0.0% |
| Galveston County | 23 | 8 | 1 | 4.3% |
| Fort Bend County | 20 | 6 | 3 | 15.0% |
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: 982 applications in 2025, of which 462 were originated and 65 denied.
6.6% of all applications, or 9.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Heritage Lending originated in Texas in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are American Heritage Lending'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