Amoco in Texas vs the state
25.8%Denial rate+6.41 pts vs state
26.0%Decision denial rate+1.11 pts vs state
61.7%Origination rate+6.86 pts vs state
6.38%Median rate-0.13 pts vs state
-0.15Rate spread (pts)-0.35 pts vs state
$120kMedian applicant income
368Loans originated
154Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 848 | 567 | 20.3% | 6.13% | #176 |
| 2024 | 753 | 429 | 24.0% | 6.38% | #197 |
| 2025 | 596 | 368 | 25.8% | 6.38% | #234 |
What Amoco lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Amoco applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Galveston County | 413 | 257 | 108 | 26.2% |
| Harris County | 98 | 61 | 24 | 24.5% |
| Brazoria County | 54 | 30 | 14 | 25.9% |
| Montgomery County | 14 | 10 | 4 | 28.6% |
| Fort Bend County | 11 | 6 | 2 | 18.2% |
| Liberty County | 3 | 1 | 2 | 66.7% |
| Chambers County | 3 | 3 | 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: 596 applications in 2025, of which 368 were originated and 154 denied.
25.8% of all applications, or 26.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Amoco originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Amoco'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