Certified Funding in Texas vs the state
39.0%Denial rate+19.52 pts vs state
39.0%Decision denial rate+14.05 pts vs state
61.1%Origination rate+6.17 pts vs state
7.50%Median rate+1.00 pts vs state
1.51Rate spread (pts)+1.32 pts vs state
$305kMedian applicant income
395Loans originated
252Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,010 | 589 | 41.7% | 7.25% | #151 |
| 2024 | 712 | 448 | 37.1% | 7.99% | #203 |
| 2025 | 647 | 395 | 39.0% | 7.50% | #221 |
What Certified Funding lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Certified Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 112 | 74 | 38 | 33.9% |
| Denton County | 83 | 57 | 26 | 31.3% |
| Harris County | 74 | 41 | 33 | 44.6% |
| Travis County | 66 | 46 | 20 | 30.3% |
| Dallas County | 64 | 40 | 24 | 37.5% |
| Tarrant County | 43 | 22 | 21 | 48.8% |
| Bexar County | 27 | 15 | 12 | 44.4% |
| Montgomery County | 24 | 17 | 7 | 29.2% |
| Williamson County | 22 | 14 | 8 | 36.4% |
| Fort Bend County | 13 | 5 | 8 | 61.5% |
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: 647 applications in 2025, of which 395 were originated and 252 denied.
39.0% of all applications, or 39.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Certified Funding originated in Texas in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Certified Funding'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