American Homestar Mortgage in Texas vs the state
63.4%Denial rate+43.94 pts vs state
92.8%Decision denial rate+67.85 pts vs state
5.0%Origination rate-49.93 pts vs state
6.25%Median rate-0.25 pts vs state
0.46Rate spread (pts)+0.26 pts vs state
$77kMedian applicant income
5Loans originated
64Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 8 | 59.8% | 6.88% | #510 |
| 2024 | 120 | 5 | 65.8% | 6.50% | #521 |
| 2025 | 101 | 5 | 63.4% | 6.25% | #549 |
What American Homestar Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Homestar Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 14 | 0 | 9 | 64.3% |
| Angelina County | 7 | 1 | 4 | 57.1% |
| Montgomery County | 6 | 1 | 3 | 50.0% |
| Taylor County | 5 | 1 | 4 | 80.0% |
| Walker County | 4 | 0 | 3 | 75.0% |
| Galveston County | 4 | 0 | 2 | 50.0% |
| Brazos County | 3 | 0 | 3 | 100.0% |
| Liberty County | 3 | 0 | 3 | 100.0% |
| San Patricio County | 3 | 0 | 2 | 66.7% |
| Bexar County | 3 | 0 | 3 | 100.0% |
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: 101 applications in 2025, of which 5 were originated and 64 denied.
63.4% of all applications, or 92.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Homestar Mortgage originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are American Homestar 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