Cake Mortgage in Texas vs the state
9.8%Denial rate-9.65 pts vs state
16.4%Decision denial rate-8.54 pts vs state
50.0%Origination rate-4.88 pts vs state
7.69%Median rate+1.19 pts vs state
1.36Rate spread (pts)+1.17 pts vs state
$276kMedian applicant income
92Loans originated
18Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 8 | 18.8% | 6.75% | #926 |
| 2024 | 86 | 28 | 5.8% | 7.75% | #580 |
| 2025 | 184 | 92 | 9.8% | 7.69% | #431 |
What Cake Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Cake Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 43 | 27 | 3 | 7.0% |
| Fort Bend County | 25 | 15 | 3 | 12.0% |
| Tarrant County | 13 | 4 | 2 | 15.4% |
| Montgomery County | 12 | 7 | 2 | 16.7% |
| Travis County | 9 | 5 | 1 | 11.1% |
| Williamson County | 8 | 3 | 0 | 0.0% |
| Dallas County | 8 | 5 | 0 | 0.0% |
| Bexar County | 6 | 1 | 0 | 0.0% |
| Galveston County | 6 | 3 | 0 | 0.0% |
| Collin County | 5 | 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: 184 applications in 2025, of which 92 were originated and 18 denied.
9.8% of all applications, or 16.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Cake Mortgage originated in Texas in 2025 was 7.69%, against a statewide median of 6.50%.
About this data. Figures are Cake 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