Commercial Lender in Texas vs the state
79.6%Denial rate+60.19 pts vs state
94.3%Decision denial rate+69.44 pts vs state
4.8%Origination rate-50.10 pts vs state
10.75%Median rate+4.25 pts vs state
—Rate spread (pts)
—Median applicant income
15Loans originated
250Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 331 | 26 | 25.4% | 11.50% | #310 |
| 2024 | 302 | 58 | 28.8% | 11.24% | #324 |
| 2025 | 314 | 15 | 79.6% | 10.75% | #330 |
What Commercial Lender lends in Texas
By loan purpose
By loan type
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: 314 applications in 2025, of which 15 were originated and 250 denied.
79.6% of all applications, or 94.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Commercial Lender originated in Texas in 2025 was 10.75%, against a statewide median of 6.50%.
About this data. Figures are Commercial Lender'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