American Portfolio Mortgage in Texas vs the state
8.0%Denial rate-11.39 pts vs state
9.8%Decision denial rate-15.14 pts vs state
74.3%Origination rate+19.41 pts vs state
6.63%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.33 pts vs state
$105kMedian applicant income
2,153Loans originated
233Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 178 | 119 | 6.7% | 7.38% | #431 |
| 2024 | 2,927 | 2,093 | 8.1% | 6.75% | #68 |
| 2025 | 2,898 | 2,153 | 8.0% | 6.63% | #65 |
What American Portfolio Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Portfolio Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 762 | 549 | 61 | 8.0% |
| Tarrant County | 470 | 355 | 30 | 6.4% |
| Collin County | 320 | 229 | 28 | 8.8% |
| Denton County | 228 | 170 | 16 | 7.0% |
| El Paso County | 207 | 158 | 17 | 8.2% |
| Kaufman County | 136 | 97 | 18 | 13.2% |
| Grayson County | 80 | 66 | 2 | 2.5% |
| Ellis County | 67 | 54 | 7 | 10.4% |
| Harris County | 56 | 40 | 6 | 10.7% |
| Hunt County | 53 | 40 | 2 | 3.8% |
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: 2,898 applications in 2025, of which 2,153 were originated and 233 denied.
8.0% 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 Portfolio Mortgage originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are American Portfolio 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