Digital in Texas vs the state
20.5%Denial rate+1.09 pts vs state
45.4%Decision denial rate+20.50 pts vs state
23.1%Origination rate-31.76 pts vs state
6.75%Median rate+0.25 pts vs state
0.76Rate spread (pts)+0.56 pts vs state
$196kMedian applicant income
89Loans originated
79Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,166 | 534 | 12.7% | 5.38% | #86 |
| 2024 | 803 | 113 | 18.6% | 7.13% | #190 |
| 2025 | 385 | 89 | 20.5% | 6.75% | #302 |
What Digital lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 107 | 24 | 21 | 19.6% |
| Denton County | 89 | 18 | 22 | 24.7% |
| Williamson County | 52 | 10 | 4 | 7.7% |
| Harris County | 21 | 9 | 5 | 23.8% |
| Dallas County | 20 | 8 | 5 | 25.0% |
| Fort Bend County | 19 | 5 | 4 | 21.1% |
| Travis County | 16 | 3 | 3 | 18.8% |
| Tarrant County | 14 | 1 | 6 | 42.9% |
| Montgomery County | 7 | 5 | 1 | 14.3% |
| Waller County | 6 | 0 | 1 | 16.7% |
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: 385 applications in 2025, of which 89 were originated and 79 denied.
20.5% of all applications, or 45.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Digital originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Digital'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