Education First in Texas vs the state
41.5%Denial rate+22.10 pts vs state
56.3%Decision denial rate+31.42 pts vs state
24.6%Origination rate-30.30 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
58Loans originated
98Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 264 | 136 | 25.4% | 6.48% | #343 |
| 2024 | 177 | 91 | 36.7% | — | #429 |
| 2025 | 236 | 58 | 41.5% | — | #387 |
What Education First lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Education First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 40 | 27 | 9 | 22.5% |
| Hardin County | 13 | 9 | 2 | 15.4% |
| Jasper County | 11 | 4 | 5 | 45.5% |
| Tyler County | 11 | 5 | 4 | 36.4% |
| Orange County | 5 | 4 | 0 | 0.0% |
| Harris County | 4 | 1 | 2 | 50.0% |
| Chambers County | 3 | 1 | 1 | 33.3% |
| Newton County | 3 | 3 | 0 | 0.0% |
| Comal County | 2 | 0 | 1 | 50.0% |
| Ellis County | 1 | 0 | 1 | 100.0% |
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: 236 applications in 2025, of which 58 were originated and 98 denied.
41.5% of all applications, or 56.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Education First'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