Bpl Mortgage Trust in Texas vs the state
15.2%Denial rate-4.23 pts vs state
16.1%Decision denial rate-8.84 pts vs state
68.3%Origination rate+13.43 pts vs state
7.38%Median rate+0.88 pts vs state
—Rate spread (pts)
—Median applicant income
319Loans originated
71Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 533 | 368 | 3.2% | 8.25% | #244 |
| 2024 | 436 | 297 | 11.7% | 7.69% | #267 |
| 2025 | 467 | 319 | 15.2% | 7.38% | #272 |
What Bpl Mortgage Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Bpl Mortgage Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 103 | 62 | 17 | 16.5% |
| Dallas County | 90 | 63 | 12 | 13.3% |
| Bexar County | 33 | 25 | 3 | 9.1% |
| Tarrant County | 30 | 26 | 0 | 0.0% |
| Lubbock County | 21 | 12 | 5 | 23.8% |
| Galveston County | 14 | 9 | 5 | 35.7% |
| Jefferson County | 13 | 4 | 3 | 23.1% |
| Travis County | 12 | 3 | 9 | 75.0% |
| Bell County | 9 | 6 | 3 | 33.3% |
| El Paso County | 9 | 8 | 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: 467 applications in 2025, of which 319 were originated and 71 denied.
15.2% of all applications, or 16.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Bpl Mortgage Trust originated in Texas in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Bpl Mortgage Trust'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