K. Hovnanian American Mortgage in Texas vs the state
19.6%Denial rate+0.20 pts vs state
22.7%Decision denial rate-2.19 pts vs state
66.8%Origination rate+11.90 pts vs state
5.88%Median rate-0.63 pts vs state
-0.36Rate spread (pts)-0.55 pts vs state
$130kMedian applicant income
820Loans originated
241Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,369 | 888 | 16.4% | 6.49% | #121 |
| 2024 | 1,505 | 997 | 18.5% | 6.13% | #117 |
| 2025 | 1,228 | 820 | 19.6% | 5.88% | #152 |
What K. Hovnanian American Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most K. Hovnanian American Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 238 | 137 | 69 | 29.0% |
| Galveston County | 146 | 123 | 8 | 5.5% |
| Grayson County | 143 | 105 | 22 | 15.4% |
| Chambers County | 98 | 64 | 19 | 19.4% |
| Liberty County | 91 | 60 | 18 | 19.8% |
| Fort Bend County | 85 | 41 | 33 | 38.8% |
| Tarrant County | 84 | 63 | 10 | 11.9% |
| Montgomery County | 78 | 52 | 13 | 16.7% |
| Collin County | 64 | 43 | 13 | 20.3% |
| Dallas County | 62 | 40 | 13 | 21.0% |
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: 1,228 applications in 2025, of which 820 were originated and 241 denied.
19.6% of all applications, or 22.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans K. Hovnanian American Mortgage originated in Texas in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are K. Hovnanian American 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