Capital Concepts in Texas vs the state
0.0%Denial rate-19.43 pts vs state
0.0%Decision denial rate-24.90 pts vs state
94.6%Origination rate+39.74 pts vs state
6.88%Median rate+0.38 pts vs state
—Rate spread (pts)
$126kMedian applicant income
88Loans originated
0Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 118 | 104 | 0.0% | 7.25% | #524 |
| 2024 | 75 | 67 | 0.0% | 6.99% | #606 |
| 2025 | 93 | 88 | 0.0% | 6.88% | #568 |
What Capital Concepts lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Capital Concepts applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 16 | 15 | 0 | 0.0% |
| Dallas County | 12 | 12 | 0 | 0.0% |
| Harris County | 12 | 11 | 0 | 0.0% |
| Galveston County | 6 | 6 | 0 | 0.0% |
| Grayson County | 5 | 5 | 0 | 0.0% |
| Bexar County | 5 | 4 | 0 | 0.0% |
| Hunt County | 4 | 4 | 0 | 0.0% |
| McLennan County | 4 | 4 | 0 | 0.0% |
| Liberty County | 4 | 4 | 0 | 0.0% |
| Brazoria County | 3 | 3 | 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: 93 applications in 2025, of which 88 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Capital Concepts originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Capital Concepts'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