Kind Lending in Texas vs the state
23.8%Denial rate+4.32 pts vs state
26.8%Decision denial rate+1.92 pts vs state
64.0%Origination rate+9.07 pts vs state
6.50%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.10 pts vs state
$130kMedian applicant income
3,781Loans originated
1,404Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,846 | 1,082 | 26.0% | 6.63% | #94 |
| 2024 | 3,400 | 2,085 | 24.6% | 6.63% | #54 |
| 2025 | 5,912 | 3,781 | 23.8% | 6.50% | #30 |
What Kind Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,046 | 628 | 274 | 26.2% |
| Tarrant County | 417 | 273 | 96 | 23.0% |
| Dallas County | 404 | 253 | 103 | 25.5% |
| Montgomery County | 298 | 191 | 72 | 24.2% |
| Collin County | 280 | 183 | 59 | 21.1% |
| Bexar County | 254 | 159 | 58 | 22.8% |
| Fort Bend County | 244 | 156 | 56 | 23.0% |
| Denton County | 235 | 155 | 57 | 24.3% |
| Travis County | 198 | 132 | 42 | 21.2% |
| Williamson County | 154 | 101 | 31 | 20.1% |
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: 5,912 applications in 2025, of which 3,781 were originated and 1,404 denied.
23.8% of all applications, or 26.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Kind Lending originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Kind 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