Legend Lending in Texas vs the state
0.8%Denial rate-18.65 pts vs state
1.0%Decision denial rate-23.87 pts vs state
74.1%Origination rate+19.25 pts vs state
6.63%Median rate+0.13 pts vs state
0.52Rate spread (pts)+0.33 pts vs state
$135kMedian applicant income
765Loans originated
8Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 971 | 659 | 0.7% | 6.75% | #154 |
| 2024 | 1,107 | 811 | 0.9% | 6.88% | #155 |
| 2025 | 1,032 | 765 | 0.8% | 6.63% | #168 |
What Legend Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Legend Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 346 | 252 | 2 | 0.6% |
| Galveston County | 145 | 103 | 0 | 0.0% |
| Montgomery County | 131 | 100 | 2 | 1.5% |
| Fort Bend County | 103 | 78 | 0 | 0.0% |
| Brazoria County | 57 | 45 | 1 | 1.8% |
| Nueces County | 49 | 39 | 2 | 4.1% |
| San Patricio County | 43 | 37 | 0 | 0.0% |
| Chambers County | 23 | 20 | 0 | 0.0% |
| Williamson County | 22 | 13 | 0 | 0.0% |
| Travis County | 11 | 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: 1,032 applications in 2025, of which 765 were originated and 8 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Legend Lending originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Legend 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