City Lending in Texas vs the state
21.8%Denial rate+2.34 pts vs state
23.3%Decision denial rate-1.62 pts vs state
69.4%Origination rate+14.47 pts vs state
7.50%Median rate+1.00 pts vs state
0.95Rate spread (pts)+0.76 pts vs state
$84kMedian applicant income
86Loans originated
27Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 56 | 4.9% | 6.88% | #549 |
| 2024 | 69 | 40 | 27.5% | 7.75% | #626 |
| 2025 | 124 | 86 | 21.8% | 7.50% | #506 |
What City Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most City Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 41 | 28 | 8 | 19.5% |
| Dallas County | 12 | 7 | 3 | 25.0% |
| Fort Bend County | 11 | 10 | 1 | 9.1% |
| Caldwell County | 8 | 8 | 0 | 0.0% |
| Montgomery County | 7 | 6 | 1 | 14.3% |
| Travis County | 6 | 4 | 0 | 0.0% |
| Bexar County | 4 | 2 | 2 | 50.0% |
| Collin County | 4 | 4 | 0 | 0.0% |
| Bell County | 3 | 0 | 3 | 100.0% |
| Liberty County | 2 | 1 | 1 | 50.0% |
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: 124 applications in 2025, of which 86 were originated and 27 denied.
21.8% of all applications, or 23.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans City Lending originated in Texas in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are City Lending'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