Heritage Mortgage in Texas vs the state
2.5%Denial rate-16.93 pts vs state
3.4%Decision denial rate-21.49 pts vs state
70.7%Origination rate+15.83 pts vs state
5.75%Median rate-0.75 pts vs state
-0.49Rate spread (pts)-0.68 pts vs state
$110kMedian applicant income
198Loans originated
7Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 36 | 0.0% | 6.56% | #713 |
| 2024 | 197 | 157 | 2.5% | 6.13% | #402 |
| 2025 | 280 | 198 | 2.5% | 5.75% | #350 |
What Heritage Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Heritage Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 83 | 56 | 4 | 4.8% |
| Montgomery County | 43 | 33 | 1 | 2.3% |
| Rockwall County | 31 | 26 | 0 | 0.0% |
| Medina County | 27 | 18 | 0 | 0.0% |
| Liberty County | 22 | 14 | 1 | 4.5% |
| Galveston County | 16 | 8 | 0 | 0.0% |
| Waller County | 15 | 11 | 1 | 6.7% |
| Guadalupe County | 13 | 7 | 0 | 0.0% |
| Brazoria County | 10 | 9 | 0 | 0.0% |
| Collin County | 10 | 7 | 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: 280 applications in 2025, of which 198 were originated and 7 denied.
2.5% of all applications, or 3.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Heritage Mortgage originated in Texas in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Heritage 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