Arc Home in Texas vs the state
13.7%Denial rate-5.74 pts vs state
20.5%Decision denial rate-4.44 pts vs state
53.0%Origination rate-1.90 pts vs state
7.13%Median rate+0.63 pts vs state
0.77Rate spread (pts)+0.58 pts vs state
$226kMedian applicant income
240Loans originated
62Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 400 | 196 | 18.8% | 8.00% | #285 |
| 2024 | 507 | 266 | 11.2% | 7.50% | #253 |
| 2025 | 453 | 240 | 13.7% | 7.13% | #281 |
What Arc Home lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 61 | 38 | 4 | 6.6% |
| Harris County | 49 | 16 | 10 | 20.4% |
| Collin County | 43 | 21 | 10 | 23.3% |
| Dallas County | 41 | 22 | 7 | 17.1% |
| Denton County | 31 | 18 | 5 | 16.1% |
| Travis County | 29 | 14 | 3 | 10.3% |
| Bexar County | 16 | 10 | 2 | 12.5% |
| Montgomery County | 14 | 6 | 1 | 7.1% |
| Fort Bend County | 13 | 10 | 1 | 7.7% |
| Brazoria County | 10 | 3 | 1 | 10.0% |
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: 453 applications in 2025, of which 240 were originated and 62 denied.
13.7% of all applications, or 20.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Arc Home originated in Texas in 2025 was 7.13%, against a statewide median of 6.50%.
About this data. Figures are Arc Home'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