Better Mortgage in Texas vs the state
21.7%Denial rate+2.25 pts vs state
38.3%Decision denial rate+13.37 pts vs state
34.1%Origination rate-20.75 pts vs state
6.63%Median rate+0.13 pts vs state
0.23Rate spread (pts)+0.04 pts vs state
$170kMedian applicant income
1,143Loans originated
726Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,742 | 655 | 5.6% | 6.00% | #99 |
| 2024 | 1,702 | 593 | 11.5% | 6.50% | #104 |
| 2025 | 3,349 | 1,143 | 21.7% | 6.63% | #57 |
What Better Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 414 | 111 | 87 | 21.0% |
| Collin County | 335 | 110 | 64 | 19.1% |
| Denton County | 312 | 128 | 65 | 20.8% |
| Tarrant County | 288 | 130 | 61 | 21.2% |
| Travis County | 252 | 79 | 50 | 19.8% |
| Dallas County | 252 | 93 | 56 | 22.2% |
| Williamson County | 165 | 45 | 28 | 17.0% |
| Bexar County | 159 | 58 | 35 | 22.0% |
| Fort Bend County | 149 | 40 | 40 | 26.8% |
| Montgomery County | 96 | 28 | 24 | 25.0% |
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: 3,349 applications in 2025, of which 1,143 were originated and 726 denied.
21.7% of all applications, or 38.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Better Mortgage originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Better 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