Guaranteed Rate Affinity in Texas vs the state
3.5%Denial rate-15.92 pts vs state
4.8%Decision denial rate-20.10 pts vs state
69.0%Origination rate+14.15 pts vs state
6.48%Median rate-0.02 pts vs state
-0.03Rate spread (pts)-0.22 pts vs state
$181kMedian applicant income
965Loans originated
49Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,866 | 1,064 | 6.2% | 6.60% | #93 |
| 2024 | 1,373 | 959 | 4.0% | 6.50% | #130 |
| 2025 | 1,398 | 965 | 3.5% | 6.48% | #141 |
What Guaranteed Rate Affinity lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 330 | 230 | 11 | 3.3% |
| Montgomery County | 238 | 200 | 1 | 0.4% |
| Tarrant County | 108 | 70 | 7 | 6.5% |
| Collin County | 100 | 70 | 3 | 3.0% |
| Denton County | 78 | 58 | 1 | 1.3% |
| Dallas County | 59 | 36 | 4 | 6.8% |
| Bell County | 44 | 23 | 7 | 15.9% |
| Travis County | 40 | 15 | 1 | 2.5% |
| Midland County | 37 | 32 | 1 | 2.7% |
| Fort Bend County | 37 | 25 | 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: 1,398 applications in 2025, of which 965 were originated and 49 denied.
3.5% of all applications, or 4.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Guaranteed Rate Affinity originated in Texas in 2025 was 6.48%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate Affinity'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