Center Street Lending VIII SPE in Texas vs the state
8.4%Denial rate-11.00 pts vs state
11.1%Decision denial rate-13.79 pts vs state
67.5%Origination rate+12.59 pts vs state
10.49%Median rate+3.99 pts vs state
—Rate spread (pts)
—Median applicant income
56Loans originated
7Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 89 | 54 | 0.0% | 11.49% | #574 |
| 2025 | 83 | 56 | 8.4% | 10.49% | #600 |
What Center Street Lending VIII SPE lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
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: 83 applications in 2025, of which 56 were originated and 7 denied.
8.4% of all applications, or 11.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Center Street Lending VIII SPE originated in Texas in 2025 was 10.49%, against a statewide median of 6.50%.
About this data. Figures are Center Street Lending VIII SPE'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