Everett Financial in Texas vs the state
4.2%Denial rate-15.25 pts vs state
7.1%Decision denial rate-17.77 pts vs state
54.2%Origination rate-0.69 pts vs state
6.75%Median rate+0.25 pts vs state
0.68Rate spread (pts)+0.49 pts vs state
$118kMedian applicant income
2,750Loans originated
212Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,437 | 4,431 | 5.6% | 6.88% | #20 |
| 2024 | 4,578 | 3,594 | 4.3% | 6.88% | #39 |
| 2025 | 5,075 | 2,750 | 4.2% | 6.75% | #37 |
What Everett Financial lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 819 | 482 | 39 | 4.8% |
| Tarrant County | 640 | 384 | 19 | 3.0% |
| Collin County | 547 | 168 | 10 | 1.8% |
| Harris County | 506 | 283 | 41 | 8.1% |
| Denton County | 428 | 208 | 11 | 2.6% |
| Travis County | 188 | 107 | 7 | 3.7% |
| Kaufman County | 151 | 72 | 6 | 4.0% |
| Ellis County | 149 | 67 | 4 | 2.7% |
| Midland County | 121 | 88 | 5 | 4.1% |
| Ector County | 97 | 70 | 4 | 4.1% |
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: 5,075 applications in 2025, of which 2,750 were originated and 212 denied.
4.2% of all applications, or 7.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Everett Financial originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Everett 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