Clearedge Lending in Texas vs the state
29.3%Denial rate+9.86 pts vs state
34.2%Decision denial rate+9.26 pts vs state
55.1%Origination rate+0.23 pts vs state
7.38%Median rate+0.88 pts vs state
1.09Rate spread (pts)+0.90 pts vs state
$228kMedian applicant income
286Loans originated
152Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 55 | 34.7% | 8.38% | #522 |
| 2024 | 236 | 150 | 19.5% | 7.69% | #369 |
| 2025 | 519 | 286 | 29.3% | 7.38% | #255 |
What Clearedge Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Clearedge Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 74 | 33 | 23 | 31.1% |
| Bexar County | 57 | 37 | 12 | 21.1% |
| Collin County | 47 | 28 | 10 | 21.3% |
| Harris County | 45 | 23 | 14 | 31.1% |
| Tarrant County | 38 | 22 | 11 | 28.9% |
| Denton County | 32 | 17 | 10 | 31.3% |
| Comal County | 16 | 11 | 4 | 25.0% |
| Fort Bend County | 15 | 8 | 6 | 40.0% |
| Travis County | 14 | 4 | 5 | 35.7% |
| Ellis County | 12 | 6 | 5 | 41.7% |
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: 519 applications in 2025, of which 286 were originated and 152 denied.
29.3% of all applications, or 34.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Clearedge Lending originated in Texas in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Clearedge 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