Freedom Mortgage in Texas vs the state
7.5%Denial rate-11.95 pts vs state
11.8%Decision denial rate-13.06 pts vs state
45.9%Origination rate-8.97 pts vs state
6.25%Median rate-0.25 pts vs state
-0.05Rate spread (pts)-0.25 pts vs state
$124kMedian applicant income
5,759Loans originated
938Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,547 | 1,436 | 11.9% | 6.75% | #72 |
| 2024 | 8,902 | 4,746 | 6.8% | 6.13% | #22 |
| 2025 | 12,545 | 5,759 | 7.5% | 6.25% | #16 |
What Freedom Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,274 | 558 | 123 | 9.7% |
| Bexar County | 1,002 | 480 | 77 | 7.7% |
| Tarrant County | 834 | 412 | 55 | 6.6% |
| Collin County | 659 | 323 | 52 | 7.9% |
| Denton County | 546 | 234 | 24 | 4.4% |
| Dallas County | 528 | 217 | 46 | 8.7% |
| Montgomery County | 470 | 219 | 35 | 7.4% |
| Bell County | 447 | 189 | 31 | 6.9% |
| El Paso County | 423 | 179 | 23 | 5.4% |
| Fort Bend County | 368 | 138 | 33 | 9.0% |
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: 12,545 applications in 2025, of which 5,759 were originated and 938 denied.
7.5% of all applications, or 11.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Freedom Mortgage originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Freedom 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