Datcu in Texas vs the state
26.7%Denial rate+7.24 pts vs state
34.9%Decision denial rate+9.98 pts vs state
49.8%Origination rate-5.08 pts vs state
7.00%Median rate+0.50 pts vs state
0.92Rate spread (pts)+0.73 pts vs state
$128kMedian applicant income
366Loans originated
196Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 723 | 369 | 31.3% | 7.00% | #205 |
| 2024 | 669 | 367 | 26.2% | 7.50% | #212 |
| 2025 | 735 | 366 | 26.7% | 7.00% | #204 |
What Datcu lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Datcu applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denton County | 501 | 271 | 123 | 24.6% |
| Wise County | 51 | 23 | 17 | 33.3% |
| Collin County | 42 | 17 | 10 | 23.8% |
| Tarrant County | 37 | 16 | 11 | 29.7% |
| Dallas County | 28 | 13 | 9 | 32.1% |
| Cooke County | 19 | 6 | 9 | 47.4% |
| Grayson County | 15 | 8 | 6 | 40.0% |
| Montague County | 7 | 3 | 0 | 0.0% |
| McLennan County | 3 | 0 | 3 | 100.0% |
| Parker 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: 735 applications in 2025, of which 366 were originated and 196 denied.
26.7% of all applications, or 34.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Datcu originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Datcu'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