Guaranteed Rate in Texas vs the state
5.9%Denial rate-13.55 pts vs state
11.4%Decision denial rate-13.55 pts vs state
44.9%Origination rate-10.02 pts vs state
6.50%Median rate0.00 pts vs state
0.23Rate spread (pts)+0.04 pts vs state
$130kMedian applicant income
3,318Loans originated
435Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,248 | 4,180 | 4.2% | 6.63% | #21 |
| 2024 | 6,184 | 3,724 | 6.2% | 6.63% | #28 |
| 2025 | 7,396 | 3,318 | 5.9% | 6.50% | #26 |
What Guaranteed Rate lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,023 | 441 | 69 | 6.7% |
| Dallas County | 843 | 405 | 32 | 3.8% |
| Tarrant County | 558 | 258 | 30 | 5.4% |
| Bexar County | 480 | 222 | 27 | 5.6% |
| Collin County | 479 | 177 | 19 | 4.0% |
| Denton County | 362 | 142 | 22 | 6.1% |
| Travis County | 266 | 99 | 17 | 6.4% |
| Montgomery County | 232 | 100 | 12 | 5.2% |
| Fort Bend County | 219 | 92 | 18 | 8.2% |
| Williamson County | 175 | 47 | 6 | 3.4% |
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: 7,396 applications in 2025, of which 3,318 were originated and 435 denied.
5.9% of all applications, or 11.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Guaranteed Rate originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate'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