FlexPoint in Texas vs the state
5.9%Denial rate-13.56 pts vs state
7.7%Decision denial rate-17.24 pts vs state
51.6%Origination rate-3.28 pts vs state
7.25%Median rate+0.75 pts vs state
0.81Rate spread (pts)+0.62 pts vs state
$149kMedian applicant income
290Loans originated
33Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 252 | 80 | 9.1% | 8.00% | #354 |
| 2024 | 334 | 163 | 2.4% | 7.38% | #308 |
| 2025 | 562 | 290 | 5.9% | 7.25% | #240 |
What FlexPoint lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most FlexPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 137 | 65 | 14 | 10.2% |
| Dallas County | 60 | 33 | 2 | 3.3% |
| Collin County | 54 | 31 | 3 | 5.6% |
| Lubbock County | 49 | 21 | 2 | 4.1% |
| Tarrant County | 37 | 21 | 0 | 0.0% |
| Denton County | 33 | 20 | 2 | 6.1% |
| Fort Bend County | 30 | 15 | 1 | 3.3% |
| Montgomery County | 23 | 13 | 0 | 0.0% |
| Travis County | 13 | 9 | 0 | 0.0% |
| Bexar County | 11 | 6 | 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: 562 applications in 2025, of which 290 were originated and 33 denied.
5.9% of all applications, or 7.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans FlexPoint originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are FlexPoint'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