Hometown Equity Mortgage in Texas vs the state
48.2%Denial rate+28.80 pts vs state
49.8%Decision denial rate+24.88 pts vs state
47.7%Origination rate-7.19 pts vs state
7.38%Median rate+0.88 pts vs state
1.18Rate spread (pts)+0.99 pts vs state
$209kMedian applicant income
795Loans originated
804Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 588 | 196 | 48.0% | 8.88% | #233 |
| 2024 | 754 | 375 | 47.9% | 7.63% | #195 |
| 2025 | 1,667 | 795 | 48.2% | 7.38% | #120 |
What Hometown Equity Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 393 | 204 | 166 | 42.2% |
| Bexar County | 143 | 59 | 80 | 55.9% |
| Dallas County | 141 | 50 | 84 | 59.6% |
| Tarrant County | 103 | 41 | 59 | 57.3% |
| Montgomery County | 85 | 49 | 33 | 38.8% |
| Fort Bend County | 72 | 32 | 37 | 51.4% |
| Hidalgo County | 71 | 35 | 33 | 46.5% |
| Collin County | 56 | 26 | 28 | 50.0% |
| Travis County | 52 | 27 | 22 | 42.3% |
| El Paso County | 47 | 19 | 26 | 55.3% |
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: 1,667 applications in 2025, of which 795 were originated and 804 denied.
48.2% of all applications, or 49.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Hometown Equity Mortgage originated in Texas in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Hometown Equity 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