Homexpress Mortgage in Texas vs the state
47.0%Denial rate+27.59 pts vs state
47.3%Decision denial rate+22.38 pts vs state
50.9%Origination rate-4.03 pts vs state
7.50%Median rate+1.00 pts vs state
1.32Rate spread (pts)+1.13 pts vs state
$252kMedian applicant income
930Loans originated
860Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,105 | 550 | 47.6% | 8.63% | #140 |
| 2024 | 1,442 | 797 | 42.2% | 8.13% | #127 |
| 2025 | 1,829 | 930 | 47.0% | 7.50% | #111 |
What Homexpress Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 281 | 128 | 147 | 52.3% |
| Dallas County | 184 | 97 | 85 | 46.2% |
| Tarrant County | 128 | 59 | 69 | 53.9% |
| Bexar County | 127 | 68 | 57 | 44.9% |
| El Paso County | 93 | 51 | 37 | 39.8% |
| Travis County | 84 | 31 | 51 | 60.7% |
| Fort Bend County | 69 | 36 | 30 | 43.5% |
| Montgomery County | 64 | 39 | 23 | 35.9% |
| Denton County | 63 | 37 | 24 | 38.1% |
| Hidalgo County | 55 | 26 | 27 | 49.1% |
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: 1,829 applications in 2025, of which 930 were originated and 860 denied.
47.0% of all applications, or 47.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Homexpress Mortgage originated in Texas in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Homexpress 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