American Pacific Mortgage in Texas vs the state
8.4%Denial rate-11.03 pts vs state
10.4%Decision denial rate-14.49 pts vs state
72.1%Origination rate+17.18 pts vs state
6.50%Median rate0.00 pts vs state
0.38Rate spread (pts)+0.18 pts vs state
$112kMedian applicant income
1,947Loans originated
227Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,355 | 1,629 | 5.9% | 6.63% | #79 |
| 2024 | 1,757 | 1,254 | 7.1% | 6.63% | #101 |
| 2025 | 2,702 | 1,947 | 8.4% | 6.50% | #76 |
What American Pacific Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 323 | 261 | 14 | 4.3% |
| Tarrant County | 312 | 222 | 29 | 9.3% |
| Tom Green County | 255 | 212 | 3 | 1.2% |
| Bexar County | 174 | 121 | 27 | 15.5% |
| Dallas County | 160 | 100 | 19 | 11.9% |
| Collin County | 99 | 72 | 3 | 3.0% |
| Parker County | 89 | 64 | 8 | 9.0% |
| Denton County | 82 | 60 | 6 | 7.3% |
| Johnson County | 82 | 62 | 3 | 3.7% |
| Harris County | 75 | 44 | 8 | 10.7% |
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: 2,702 applications in 2025, of which 1,947 were originated and 227 denied.
8.4% of all applications, or 10.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Pacific Mortgage originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are American Pacific 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