Citizens Equity First in Texas vs the state
1.9%Denial rate-17.58 pts vs state
2.3%Decision denial rate-22.57 pts vs state
77.8%Origination rate+22.90 pts vs state
6.38%Median rate-0.13 pts vs state
-0.24Rate spread (pts)-0.43 pts vs state
$208kMedian applicant income
42Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 53 | 6.0% | 5.98% | #640 |
| 2024 | 40 | 30 | 2.5% | 6.38% | #729 |
| 2025 | 54 | 42 | 1.9% | 6.38% | #696 |
What Citizens Equity First lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 9 | 8 | 0 | 0.0% |
| Denton County | 9 | 7 | 0 | 0.0% |
| Harris County | 9 | 5 | 1 | 11.1% |
| Tarrant County | 7 | 6 | 0 | 0.0% |
| Williamson County | 4 | 3 | 0 | 0.0% |
| Collin County | 2 | 2 | 0 | 0.0% |
| Ellis County | 2 | 2 | 0 | 0.0% |
| Parker County | 2 | 2 | 0 | 0.0% |
| Comal County | 2 | 2 | 0 | 0.0% |
| Washington County | 1 | 1 | 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: 54 applications in 2025, of which 42 were originated and 1 denied.
1.9% of all applications, or 2.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Citizens Equity First originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Citizens Equity First'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