Figure Lending in Texas vs the state
42.9%Denial rate+23.47 pts vs state
45.1%Decision denial rate+20.17 pts vs state
33.4%Origination rate-21.52 pts vs state
10.50%Median rate+4.00 pts vs state
4.09Rate spread (pts)+3.90 pts vs state
$124kMedian applicant income
825Loans originated
1,061Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 1 | 66.7% | 10.90% | #1,090 |
| 2024 | 1,164 | 402 | 39.3% | 11.50% | #150 |
| 2025 | 2,473 | 825 | 42.9% | 10.50% | #80 |
What Figure Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 320 | 88 | 159 | 49.7% |
| Tarrant County | 214 | 71 | 79 | 36.9% |
| Bexar County | 162 | 51 | 68 | 42.0% |
| Dallas County | 154 | 57 | 58 | 37.7% |
| Denton County | 148 | 54 | 63 | 42.6% |
| Collin County | 126 | 50 | 51 | 40.5% |
| Fort Bend County | 105 | 45 | 40 | 38.1% |
| Travis County | 86 | 27 | 37 | 43.0% |
| Montgomery County | 84 | 32 | 33 | 39.3% |
| El Paso County | 78 | 17 | 33 | 42.3% |
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: 2,473 applications in 2025, of which 825 were originated and 1,061 denied.
42.9% of all applications, or 45.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Figure Lending originated in Texas in 2025 was 10.50%, against a statewide median of 6.50%.
About this data. Figures are Figure Lending'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