City First Mortgage Services in Texas vs the state
3.4%Denial rate-16.02 pts vs state
5.3%Decision denial rate-19.57 pts vs state
60.2%Origination rate+5.35 pts vs state
6.75%Median rate+0.25 pts vs state
0.69Rate spread (pts)+0.50 pts vs state
$112kMedian applicant income
159Loans originated
9Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 367 | 274 | 2.5% | 7.13% | #297 |
| 2024 | 405 | 264 | 4.4% | 6.75% | #280 |
| 2025 | 264 | 159 | 3.4% | 6.75% | #364 |
What City First Mortgage Services lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 58 | 36 | 3 | 5.2% |
| Fort Bend County | 25 | 16 | 0 | 0.0% |
| El Paso County | 22 | 14 | 0 | 0.0% |
| Hidalgo County | 20 | 10 | 2 | 10.0% |
| Montgomery County | 18 | 13 | 0 | 0.0% |
| Travis County | 14 | 9 | 0 | 0.0% |
| Collin County | 12 | 7 | 0 | 0.0% |
| Tarrant County | 7 | 4 | 0 | 0.0% |
| Hays County | 7 | 4 | 0 | 0.0% |
| Brazoria County | 6 | 4 | 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: 264 applications in 2025, of which 159 were originated and 9 denied.
3.4% of all applications, or 5.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans City First Mortgage Services originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are City First Mortgage Services'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