Houston Police in Texas vs the state
8.5%Denial rate-10.91 pts vs state
10.5%Decision denial rate-14.40 pts vs state
66.4%Origination rate+11.49 pts vs state
7.00%Median rate+0.50 pts vs state
1.07Rate spread (pts)+0.87 pts vs state
$132kMedian applicant income
148Loans originated
19Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 250 | 158 | 10.4% | 7.25% | #356 |
| 2024 | 214 | 134 | 10.8% | 7.00% | #390 |
| 2025 | 223 | 148 | 8.5% | 7.00% | #396 |
What Houston Police lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Houston Police applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 106 | 90 | 4 | 3.8% |
| Fort Bend County | 22 | 18 | 2 | 9.1% |
| Montgomery County | 16 | 15 | 1 | 6.3% |
| Brazoria County | 11 | 8 | 1 | 9.1% |
| Galveston County | 6 | 4 | 0 | 0.0% |
| Angelina County | 2 | 1 | 1 | 50.0% |
| Brazos County | 2 | 2 | 0 | 0.0% |
| Comal County | 1 | 1 | 0 | 0.0% |
| Austin County | 1 | 1 | 0 | 0.0% |
| Walker County | 1 | 1 | 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: 223 applications in 2025, of which 148 were originated and 19 denied.
8.5% of all applications, or 10.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Houston Police originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Houston Police'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