Home Mortgage Alliance Corporation (HMAC) in Texas vs the state
17.9%Denial rate-1.56 pts vs state
27.6%Decision denial rate+2.73 pts vs state
42.6%Origination rate-12.33 pts vs state
6.99%Median rate+0.49 pts vs state
0.87Rate spread (pts)+0.68 pts vs state
$130kMedian applicant income
100Loans originated
42Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 222 | 80 | 14.0% | 7.63% | #378 |
| 2024 | 231 | 99 | 8.2% | 7.38% | #372 |
| 2025 | 235 | 100 | 17.9% | 6.99% | #388 |
What Home Mortgage Alliance Corporation (HMAC) lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 31 | 13 | 5 | 16.1% |
| Tarrant County | 31 | 8 | 7 | 22.6% |
| Collin County | 20 | 5 | 5 | 25.0% |
| Travis County | 15 | 8 | 0 | 0.0% |
| Dallas County | 15 | 5 | 2 | 13.3% |
| Fort Bend County | 14 | 8 | 3 | 21.4% |
| Denton County | 13 | 8 | 2 | 15.4% |
| Kaufman County | 11 | 6 | 2 | 18.2% |
| Hays County | 7 | 3 | 1 | 14.3% |
| Webb County | 6 | 5 | 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: 235 applications in 2025, of which 100 were originated and 42 denied.
17.9% of all applications, or 27.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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