Austin Telco in Texas vs the state
27.9%Denial rate+8.46 pts vs state
31.4%Decision denial rate+6.49 pts vs state
53.8%Origination rate-1.05 pts vs state
6.54%Median rate+0.04 pts vs state
0.46Rate spread (pts)+0.26 pts vs state
$145kMedian applicant income
415Loans originated
215Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 885 | 472 | 34.2% | 6.79% | #169 |
| 2024 | 740 | 415 | 30.5% | 6.99% | #200 |
| 2025 | 771 | 415 | 27.9% | 6.54% | #195 |
What Austin Telco lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Austin Telco applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 344 | 178 | 110 | 32.0% |
| Williamson County | 293 | 168 | 68 | 23.2% |
| Hays County | 42 | 27 | 9 | 21.4% |
| Bastrop County | 37 | 13 | 15 | 40.5% |
| Burnet County | 21 | 13 | 5 | 23.8% |
| Llano County | 5 | 4 | 1 | 20.0% |
| Caldwell County | 5 | 2 | 2 | 40.0% |
| Comal County | 4 | 3 | 1 | 25.0% |
| Lee County | 3 | 1 | 1 | 33.3% |
| Bell County | 3 | 2 | 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: 771 applications in 2025, of which 415 were originated and 215 denied.
27.9% of all applications, or 31.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Austin Telco originated in Texas in 2025 was 6.54%, against a statewide median of 6.50%.
About this data. Figures are Austin Telco'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