GoodLeap in Texas vs the state
29.6%Denial rate+10.17 pts vs state
36.1%Decision denial rate+11.19 pts vs state
39.7%Origination rate-15.15 pts vs state
6.50%Median rate0.00 pts vs state
0.74Rate spread (pts)+0.55 pts vs state
$80kMedian applicant income
667Loans originated
497Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,597 | 656 | 29.2% | 6.13% | #106 |
| 2024 | 2,082 | 959 | 23.3% | 6.38% | #89 |
| 2025 | 1,679 | 667 | 29.6% | 6.50% | #119 |
What GoodLeap lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most GoodLeap applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 227 | 86 | 67 | 29.5% |
| Bexar County | 197 | 84 | 57 | 28.9% |
| Dallas County | 144 | 65 | 39 | 27.1% |
| Tarrant County | 140 | 69 | 37 | 26.4% |
| Bell County | 46 | 22 | 7 | 15.2% |
| Fort Bend County | 45 | 12 | 17 | 37.8% |
| Denton County | 40 | 26 | 11 | 27.5% |
| El Paso County | 40 | 20 | 10 | 25.0% |
| Brazoria County | 40 | 11 | 8 | 20.0% |
| Galveston County | 38 | 17 | 5 | 13.2% |
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: 1,679 applications in 2025, of which 667 were originated and 497 denied.
29.6% of all applications, or 36.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans GoodLeap originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are GoodLeap'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