General Mortgage Capital in Texas vs the state
1.3%Denial rate-18.11 pts vs state
1.5%Decision denial rate-23.36 pts vs state
83.1%Origination rate+28.19 pts vs state
6.56%Median rate+0.06 pts vs state
0.12Rate spread (pts)-0.08 pts vs state
$164kMedian applicant income
314Loans originated
5Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 247 | 197 | 0.8% | 6.62% | #358 |
| 2024 | 245 | 187 | 1.2% | 6.63% | #361 |
| 2025 | 378 | 314 | 1.3% | 6.56% | #308 |
What General Mortgage Capital lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most General Mortgage Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 97 | 80 | 1 | 1.0% |
| Collin County | 71 | 58 | 1 | 1.4% |
| Fort Bend County | 41 | 35 | 0 | 0.0% |
| Travis County | 29 | 27 | 0 | 0.0% |
| Dallas County | 22 | 15 | 2 | 9.1% |
| Tarrant County | 20 | 18 | 0 | 0.0% |
| Denton County | 18 | 14 | 0 | 0.0% |
| Williamson County | 16 | 14 | 0 | 0.0% |
| Bexar County | 13 | 12 | 0 | 0.0% |
| Montgomery County | 6 | 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: 378 applications in 2025, of which 314 were originated and 5 denied.
1.3% of all applications, or 1.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans General Mortgage Capital originated in Texas in 2025 was 6.56%, against a statewide median of 6.50%.
About this data. Figures are General Mortgage Capital'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