Lendage in Texas vs the state
19.5%Denial rate+0.04 pts vs state
21.2%Decision denial rate-3.75 pts vs state
66.0%Origination rate+11.07 pts vs state
11.38%Median rate+4.88 pts vs state
5.29Rate spread (pts)+5.10 pts vs state
$139kMedian applicant income
945Loans originated
279Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 780 | 489 | 23.6% | 10.00% | #189 |
| 2024 | 1,200 | 774 | 22.6% | 13.25% | #144 |
| 2025 | 1,433 | 945 | 19.5% | 11.38% | #136 |
What Lendage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Lendage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 229 | 140 | 48 | 21.0% |
| Tarrant County | 122 | 88 | 22 | 18.0% |
| Bexar County | 99 | 62 | 14 | 14.1% |
| Dallas County | 91 | 53 | 23 | 25.3% |
| Collin County | 81 | 51 | 17 | 21.0% |
| Fort Bend County | 78 | 57 | 14 | 17.9% |
| Denton County | 73 | 55 | 10 | 13.7% |
| Montgomery County | 67 | 38 | 24 | 35.8% |
| El Paso County | 64 | 47 | 7 | 10.9% |
| Travis County | 38 | 24 | 6 | 15.8% |
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: 1,433 applications in 2025, of which 945 were originated and 279 denied.
19.5% of all applications, or 21.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Lendage originated in Texas in 2025 was 11.38%, against a statewide median of 6.50%.
About this data. Figures are Lendage'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