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Click n' Close · Texas · 2025

Click n' Close in Texas: approval rate, denial rate and rates (2025)

Click n' Close took 1,908 mortgage applications in Texas in 2025, ranking #106 of 1,568 lenders active in the state. It originated 65.3% of them and denied 5.5% (7.6% of the applications it decided), against a statewide denial rate of 19.4%.

1.9kApplicationsin TX
7.6%Decision denial ratestate 24.9%
6.88%Median ratestate 6.50%
$255,000Median loanstate $245,000
$322MVolume120 counties
Full Click n' Close review All lenders in Texas

Click n' Close in Texas vs the state

5.5%Denial rate-13.98 pts vs state
7.6%Decision denial rate-17.30 pts vs state
65.3%Origination rate+10.37 pts vs state
6.88%Median rate+0.38 pts vs state
3.52Rate spread (pts)+3.33 pts vs state
$108kMedian applicant income
1,245Loans originated
104Denied

Trend in Texas

YearApplicationsOriginatedDenial rateMedian rateRank in state
20231,5521,1602.8%6.88%#109
20242,7451,6572.1%7.00%#69
20251,9081,2455.5%6.88%#106

What Click n' Close lends in Texas

By loan purpose

Home purchase 1,723 90% · 5.5% denied
Refinance 89 5% · 6.7% denied
Cash-out refinance 91 5% · 3.3% denied
Other / HELOC 5 0% · 0.0% denied

By loan type

Conventional 1,010 53% · 4.3% denied
FHA 759 40% · 7.0% denied
VA 118 6% · 4.2% denied
USDA / RHS 21 1% · 14.3% denied

Why it denied Texas applicants

Debt-to-income ratio 48 46%
Other 24 23%
Credit history 15 14%
Collateral 8 8%
Employment history 5 5%
Unverifiable information 4 4%

Where in Texas

Counties with the most Click n' Close applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Harris County 36624013 3.6%
Montgomery County 1571123 1.9%
Tarrant County 1267410 7.9%
Dallas County 1095911 10.1%
Fort Bend County 86712 2.3%
Galveston County 84680 0.0%
Bexar County 75487 9.3%
El Paso County 53345 9.4%
Brazoria County 52392 3.8%
Williamson County 47342 4.3%

Other large lenders in Texas

LenderGradeApplicationsDenial rateMedian rate
United Shore Financial ServicesB 56,49111.0%6.25%
Rocket MortgageC 45,65822.4%6.63%
21st MortgageF 37,96145.9%9.94%
Dhi Mortgage CompanyB 26,34813.5%4.50%
Lennar MortgageA 21,95920.5%4.50%
Bank of AmericaF 18,00843.0%6.24%
JPMorgan Chase BankB 16,2609.8%6.45%
CMG MortgageA 15,9783.9%6.50%
Vanderbilt Mortgage and FinanceF 15,68344.7%10.50%
Triad Financial ServicesD 15,15850.0%9.35%

Frequently asked questions

Texas: 1,908 applications in 2025, of which 1,245 were originated and 104 denied.

5.5% of all applications, or 7.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.

The median rate on loans Click n' Close originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.

About this data. Figures are Click n' Close'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