HomePromise in Texas vs the state
53.6%Denial rate+34.13 pts vs state
96.2%Decision denial rate+71.34 pts vs state
2.1%Origination rate-52.79 pts vs state
7.25%Median rate+0.75 pts vs state
0.46Rate spread (pts)+0.27 pts vs state
$84kMedian applicant income
5Loans originated
128Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 368 | 10 | 67.9% | 7.50% | #296 |
| 2024 | 385 | 11 | 60.0% | 7.50% | #286 |
| 2025 | 239 | 5 | 53.6% | 7.25% | #384 |
What HomePromise lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most HomePromise applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 31 | 0 | 21 | 67.7% |
| Bexar County | 17 | 0 | 10 | 58.8% |
| Williamson County | 16 | 0 | 7 | 43.8% |
| Bell County | 11 | 0 | 7 | 63.6% |
| El Paso County | 11 | 1 | 6 | 54.5% |
| McLennan County | 9 | 1 | 4 | 44.4% |
| Tarrant County | 9 | 0 | 5 | 55.6% |
| Collin County | 8 | 0 | 0 | 0.0% |
| Dallas County | 8 | 0 | 7 | 87.5% |
| Montgomery County | 8 | 0 | 2 | 25.0% |
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: 239 applications in 2025, of which 5 were originated and 128 denied.
53.6% of all applications, or 96.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans HomePromise originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are HomePromise'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