Consumer Real Estate Finance in Texas vs the state
22.6%Denial rate+3.21 pts vs state
27.0%Decision denial rate+2.07 pts vs state
61.3%Origination rate+6.44 pts vs state
7.00%Median rate+0.50 pts vs state
1.18Rate spread (pts)+0.99 pts vs state
$74kMedian applicant income
65Loans originated
24Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 71 | 17.2% | 6.75% | #442 |
| 2024 | 139 | 55 | 27.3% | 7.13% | #480 |
| 2025 | 106 | 65 | 22.6% | 7.00% | #542 |
What Consumer Real Estate Finance lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 7 | 4 | 3 | 42.9% |
| Hidalgo County | 5 | 3 | 0 | 0.0% |
| Jefferson County | 4 | 2 | 0 | 0.0% |
| Smith County | 3 | 3 | 0 | 0.0% |
| Rusk County | 3 | 2 | 1 | 33.3% |
| Galveston County | 3 | 2 | 0 | 0.0% |
| Hardin County | 3 | 1 | 1 | 33.3% |
| Brazoria County | 3 | 1 | 2 | 66.7% |
| Hamilton County | 3 | 1 | 1 | 33.3% |
| Anderson County | 2 | 1 | 0 | 0.0% |
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: 106 applications in 2025, of which 65 were originated and 24 denied.
22.6% of all applications, or 27.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Consumer Real Estate Finance originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Consumer Real Estate Finance'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