First Choice Mh in Texas vs the state
10.0%Denial rate-9.43 pts vs state
10.0%Decision denial rate-14.90 pts vs state
90.0%Origination rate+35.12 pts vs state
10.35%Median rate+3.85 pts vs state
0.04Rate spread (pts)-0.16 pts vs state
$65kMedian applicant income
54Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 11 | 8.3% | 10.25% | #966 |
| 2024 | 69 | 62 | 10.1% | 10.35% | #625 |
| 2025 | 60 | 54 | 10.0% | 10.35% | #670 |
What First Choice Mh lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most First Choice Mh applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Victoria County | 38 | 35 | 3 | 7.9% |
| Smith County | 22 | 19 | 3 | 13.6% |
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: 60 applications in 2025, of which 54 were originated and 6 denied.
10.0% of all applications, or 10.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans First Choice Mh originated in Texas in 2025 was 10.35%, against a statewide median of 6.50%.
About this data. Figures are First Choice Mh'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