Hometrust Mortgage in Texas vs the state
9.6%Denial rate-9.87 pts vs state
14.7%Decision denial rate-10.18 pts vs state
55.2%Origination rate+0.27 pts vs state
6.63%Median rate+0.13 pts vs state
0.36Rate spread (pts)+0.17 pts vs state
$123kMedian applicant income
525Loans originated
91Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 771 | 443 | 7.9% | 6.75% | #193 |
| 2024 | 707 | 428 | 5.4% | 6.75% | #205 |
| 2025 | 952 | 525 | 9.6% | 6.63% | #173 |
What Hometrust Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Hometrust Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 232 | 127 | 16 | 6.9% |
| Galveston County | 126 | 75 | 9 | 7.1% |
| Montgomery County | 92 | 56 | 5 | 5.4% |
| Moore County | 75 | 43 | 9 | 12.0% |
| Brazoria County | 44 | 28 | 2 | 4.5% |
| Travis County | 43 | 22 | 12 | 27.9% |
| Walker County | 39 | 29 | 3 | 7.7% |
| Williamson County | 33 | 21 | 3 | 9.1% |
| Fort Bend County | 29 | 12 | 1 | 3.4% |
| Randall County | 24 | 9 | 2 | 8.3% |
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: 952 applications in 2025, of which 525 were originated and 91 denied.
9.6% of all applications, or 14.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Hometrust Mortgage originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Hometrust 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