Houston Texas Fire Fighters at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
2nd46.9% deniedProcesswithdrawn + incomplete share, weight 15%
34th15.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 193 | 67 | 60.6% | 63.6% | — | $8.6M |
| 2024 | 188 | 62 | 65.4% | 65.8% | — | $8.1M |
| 2025 | 131 | 59 | 39.7% | 46.9% | — | $7.7M |
What Houston Texas Fire Fighters lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 6 investment properties.
Why Houston Texas Fire Fighters denies applications
Primary reason reported for each of the 52 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Houston Texas Fire Fighters
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 50 | 18 | 55.0% |
| $100k – $150k | 44 | 25 | 32.4% |
| $150k – $250k | 21 | 13 | 35.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 20 | 9 | 55.0% |
| 45–54 | 31 | 17 | 34.6% |
| 55–64 | 33 | 16 | 40.7% |
| 65–74 | 25 | 12 | 40.0% |
Where Houston Texas Fire Fighters lends
1 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 131 | 59 | 39.7% | — | #500 |
Frequently asked questions
Houston Texas Fire Fighters denied 46.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of small mortgage lenders.
The most common reason Houston Texas Fire Fighters gave in 2025 was "debt-to-income ratio", cited on 67.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 32% of its applications were for home purchases, 58% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.