Commerce Home Mortgage in Texas vs the state
8.9%Denial rate-10.58 pts vs state
12.8%Decision denial rate-12.10 pts vs state
59.8%Origination rate+4.92 pts vs state
6.88%Median rate+0.38 pts vs state
0.82Rate spread (pts)+0.63 pts vs state
$107kMedian applicant income
1,230Loans originated
182Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,896 | 1,111 | 8.4% | 7.13% | #91 |
| 2024 | 1,489 | 870 | 6.9% | 6.75% | #122 |
| 2025 | 2,057 | 1,230 | 8.9% | 6.88% | #94 |
What Commerce Home Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 959 | 636 | 33 | 3.4% |
| Harris County | 217 | 122 | 26 | 12.0% |
| Dallas County | 79 | 32 | 15 | 19.0% |
| Bexar County | 77 | 44 | 10 | 13.0% |
| Tarrant County | 77 | 42 | 6 | 7.8% |
| Fort Bend County | 63 | 36 | 9 | 14.3% |
| Travis County | 62 | 27 | 8 | 12.9% |
| Collin County | 55 | 34 | 6 | 10.9% |
| Montgomery County | 49 | 31 | 5 | 10.2% |
| Denton County | 36 | 24 | 2 | 5.6% |
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: 2,057 applications in 2025, of which 1,230 were originated and 182 denied.
8.9% of all applications, or 12.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Commerce Home Mortgage originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Commerce Home Mortgage'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