Kbhs Home Loans in Texas vs the state
8.3%Denial rate-11.09 pts vs state
11.0%Decision denial rate-13.87 pts vs state
67.0%Origination rate+12.10 pts vs state
6.25%Median rate-0.25 pts vs state
0.11Rate spread (pts)-0.08 pts vs state
$100kMedian applicant income
2,250Loans originated
280Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,203 | 2,921 | 9.0% | 5.88% | #34 |
| 2024 | 4,144 | 3,026 | 6.3% | 5.88% | #44 |
| 2025 | 3,359 | 2,250 | 8.3% | 6.25% | #55 |
What Kbhs Home Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Kbhs Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 1,161 | 721 | 90 | 7.8% |
| Williamson County | 506 | 367 | 25 | 4.9% |
| Harris County | 417 | 277 | 59 | 14.1% |
| Travis County | 234 | 172 | 16 | 6.8% |
| Fort Bend County | 140 | 93 | 22 | 15.7% |
| Guadalupe County | 127 | 84 | 9 | 7.1% |
| Kendall County | 107 | 71 | 6 | 5.6% |
| Galveston County | 101 | 72 | 6 | 5.9% |
| Waller County | 99 | 64 | 10 | 10.1% |
| Brazoria County | 97 | 67 | 3 | 3.1% |
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: 3,359 applications in 2025, of which 2,250 were originated and 280 denied.
8.3% of all applications, or 11.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Kbhs Home Loans originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Kbhs Home Loans'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