Jmac Lending in Texas vs the state
4.9%Denial rate-14.54 pts vs state
7.1%Decision denial rate-17.79 pts vs state
64.0%Origination rate+9.07 pts vs state
6.63%Median rate+0.13 pts vs state
0.37Rate spread (pts)+0.17 pts vs state
$138kMedian applicant income
353Loans originated
27Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 279 | 131 | 11.1% | 7.13% | #334 |
| 2024 | 284 | 152 | 10.6% | 6.99% | #329 |
| 2025 | 552 | 353 | 4.9% | 6.63% | #246 |
What Jmac Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 83 | 46 | 11 | 13.3% |
| Travis County | 56 | 40 | 0 | 0.0% |
| Bexar County | 51 | 27 | 3 | 5.9% |
| Tarrant County | 42 | 29 | 1 | 2.4% |
| Collin County | 36 | 24 | 1 | 2.8% |
| Dallas County | 35 | 27 | 0 | 0.0% |
| Denton County | 26 | 24 | 0 | 0.0% |
| Fort Bend County | 22 | 16 | 1 | 4.5% |
| Ector County | 13 | 10 | 1 | 7.7% |
| Montgomery County | 13 | 7 | 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: 552 applications in 2025, of which 353 were originated and 27 denied.
4.9% of all applications, or 7.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Jmac Lending originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Jmac Lending'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