Home Loan Investment Bank in Texas vs the state
42.9%Denial rate+23.43 pts vs state
54.6%Decision denial rate+29.65 pts vs state
35.7%Origination rate-19.17 pts vs state
8.25%Median rate+1.75 pts vs state
4.70Rate spread (pts)+4.51 pts vs state
$109kMedian applicant income
15Loans originated
18Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 11 | 35.9% | 9.25% | #761 |
| 2024 | 37 | 9 | 35.1% | 8.25% | #744 |
| 2025 | 42 | 15 | 42.9% | 8.25% | #728 |
What Home Loan Investment Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 4 | 1 | 3 | 75.0% |
| Fort Bend County | 3 | 1 | 2 | 66.7% |
| Galveston County | 3 | 2 | 0 | 0.0% |
| Johnson County | 3 | 1 | 1 | 33.3% |
| Travis County | 2 | 0 | 2 | 100.0% |
| Tarrant County | 2 | 0 | 2 | 100.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Williamson County | 2 | 0 | 2 | 100.0% |
| Jim Wells County | 2 | 2 | 0 | 0.0% |
| Bell County | 2 | 1 | 1 | 50.0% |
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: 42 applications in 2025, of which 15 were originated and 18 denied.
42.9% of all applications, or 54.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Home Loan Investment Bank originated in Texas in 2025 was 8.25%, against a statewide median of 6.50%.
About this data. Figures are Home Loan Investment Bank'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