CSL Financial in Texas vs the state
60.0%Denial rate+40.55 pts vs state
86.2%Decision denial rate+61.29 pts vs state
9.6%Origination rate-45.27 pts vs state
8.39%Median rate+1.89 pts vs state
2.34Rate spread (pts)+2.15 pts vs state
$77kMedian applicant income
116Loans originated
724Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,473 | 218 | 61.9% | 9.39% | #53 |
| 2024 | 3,239 | 227 | 65.0% | 9.49% | #58 |
| 2025 | 1,207 | 116 | 60.0% | 8.39% | #155 |
What CSL Financial lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most CSL Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hunt County | 14 | 14 | 0 | 0.0% |
| Liberty County | 8 | 8 | 0 | 0.0% |
| Brazoria County | 7 | 7 | 0 | 0.0% |
| Montgomery County | 6 | 6 | 0 | 0.0% |
| Polk County | 4 | 4 | 0 | 0.0% |
| Collin County | 3 | 3 | 0 | 0.0% |
| Hardin County | 3 | 3 | 0 | 0.0% |
| Shelby County | 3 | 3 | 0 | 0.0% |
| Burnet County | 3 | 3 | 0 | 0.0% |
| Smith County | 3 | 3 | 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: 1,207 applications in 2025, of which 116 were originated and 724 denied.
60.0% of all applications, or 86.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans CSL Financial originated in Texas in 2025 was 8.39%, against a statewide median of 6.50%.
About this data. Figures are CSL Financial'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