American Liberty Mortgage in Texas vs the state
0.7%Denial rate-18.73 pts vs state
1.2%Decision denial rate-23.74 pts vs state
59.2%Origination rate+4.27 pts vs state
6.25%Median rate-0.25 pts vs state
0.27Rate spread (pts)+0.07 pts vs state
$108kMedian applicant income
84Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 11 | 8 | 0.0% | 6.25% | #961 |
| 2025 | 142 | 84 | 0.7% | 6.25% | #486 |
What American Liberty Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Liberty Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Victoria County | 69 | 47 | 1 | 1.4% |
| Calhoun County | 19 | 13 | 0 | 0.0% |
| DeWitt County | 6 | 3 | 0 | 0.0% |
| Goliad County | 4 | 1 | 0 | 0.0% |
| Matagorda County | 3 | 2 | 0 | 0.0% |
| Bell County | 3 | 1 | 0 | 0.0% |
| Harris County | 3 | 1 | 0 | 0.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Dallas County | 2 | 1 | 0 | 0.0% |
| Guadalupe County | 2 | 0 | 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: 142 applications in 2025, of which 84 were originated and 1 denied.
0.7% of all applications, or 1.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Liberty Mortgage originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are American Liberty 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