Finance of America Reverse in Texas vs the state
15.4%Denial rate-4.05 pts vs state
19.6%Decision denial rate-5.35 pts vs state
61.5%Origination rate+6.62 pts vs state
6.38%Median rate-0.13 pts vs state
—Rate spread (pts)
$35kMedian applicant income
524Loans originated
131Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 958 | 579 | 14.2% | 7.71% | #159 |
| 2024 | 913 | 578 | 8.1% | 7.22% | #180 |
| 2025 | 852 | 524 | 15.4% | 6.38% | #184 |
What Finance of America Reverse lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 125 | 75 | 19 | 15.2% |
| Dallas County | 107 | 66 | 14 | 13.1% |
| Tarrant County | 65 | 44 | 4 | 6.2% |
| Travis County | 37 | 24 | 7 | 18.9% |
| Fort Bend County | 34 | 22 | 5 | 14.7% |
| Bexar County | 33 | 24 | 7 | 21.2% |
| Denton County | 32 | 24 | 5 | 15.6% |
| Williamson County | 30 | 22 | 3 | 10.0% |
| Collin County | 28 | 18 | 4 | 14.3% |
| Montgomery County | 24 | 18 | 2 | 8.3% |
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: 852 applications in 2025, of which 524 were originated and 131 denied.
15.4% of all applications, or 19.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Finance of America Reverse originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Finance of America Reverse'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