Filo Mortgage in Texas vs the state
6.9%Denial rate-12.56 pts vs state
12.3%Decision denial rate-12.62 pts vs state
43.6%Origination rate-11.33 pts vs state
6.50%Median rate0.00 pts vs state
0.17Rate spread (pts)-0.03 pts vs state
$142kMedian applicant income
260Loans originated
41Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 545 | 186 | 4.2% | 6.12% | #242 |
| 2024 | 362 | 181 | 3.6% | 6.50% | #294 |
| 2025 | 597 | 260 | 6.9% | 6.50% | #232 |
What Filo Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Filo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 109 | 61 | 5 | 4.6% |
| Collin County | 46 | 18 | 3 | 6.5% |
| Fort Bend County | 38 | 18 | 1 | 2.6% |
| Dallas County | 32 | 11 | 2 | 6.3% |
| Denton County | 31 | 16 | 1 | 3.2% |
| Travis County | 28 | 10 | 1 | 3.6% |
| Tarrant County | 27 | 8 | 1 | 3.7% |
| Williamson County | 27 | 8 | 2 | 7.4% |
| Nueces County | 26 | 17 | 2 | 7.7% |
| Bexar County | 22 | 11 | 1 | 4.5% |
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: 597 applications in 2025, of which 260 were originated and 41 denied.
6.9% of all applications, or 12.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Filo Mortgage originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Filo Mortgage'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