Flat Branch Mortgage in Texas vs the state
1.8%Denial rate-17.62 pts vs state
2.2%Decision denial rate-22.74 pts vs state
81.4%Origination rate+26.54 pts vs state
6.50%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.20 pts vs state
$87kMedian applicant income
675Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 501 | 388 | 2.4% | 6.63% | #253 |
| 2024 | 711 | 574 | 0.6% | 6.63% | #204 |
| 2025 | 829 | 675 | 1.8% | 6.50% | #187 |
What Flat Branch Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wichita County | 314 | 257 | 5 | 1.6% |
| Lubbock County | 84 | 70 | 0 | 0.0% |
| Midland County | 83 | 67 | 2 | 2.4% |
| Hockley County | 61 | 48 | 4 | 6.6% |
| Ector County | 41 | 37 | 1 | 2.4% |
| Archer County | 29 | 26 | 0 | 0.0% |
| Clay County | 28 | 23 | 0 | 0.0% |
| Wilbarger County | 24 | 15 | 1 | 4.2% |
| Young County | 12 | 11 | 0 | 0.0% |
| Montgomery County | 10 | 9 | 0 | 0.0% |
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: 829 applications in 2025, of which 675 were originated and 15 denied.
1.8% of all applications, or 2.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Flat Branch Mortgage originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Flat Branch 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