Lendingone in Texas vs the state
13.2%Denial rate-6.22 pts vs state
63.0%Decision denial rate+38.09 pts vs state
7.8%Origination rate-47.12 pts vs state
7.02%Median rate+0.51 pts vs state
—Rate spread (pts)
—Median applicant income
151Loans originated
257Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 774 | 145 | 64.6% | 7.58% | #192 |
| 2024 | 572 | 132 | 60.8% | 7.30% | #231 |
| 2025 | 1,945 | 151 | 13.2% | 7.02% | #102 |
What Lendingone lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 384 | 27 | 39 | 10.2% |
| Dallas County | 263 | 16 | 39 | 14.8% |
| Tarrant County | 213 | 14 | 27 | 12.7% |
| Bexar County | 171 | 13 | 25 | 14.6% |
| Travis County | 88 | 6 | 4 | 4.5% |
| Collin County | 59 | 4 | 8 | 13.6% |
| Montgomery County | 57 | 5 | 10 | 17.5% |
| Galveston County | 44 | 9 | 8 | 18.2% |
| Fort Bend County | 42 | 3 | 8 | 19.0% |
| Williamson County | 38 | 1 | 4 | 10.5% |
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: 1,945 applications in 2025, of which 151 were originated and 257 denied.
13.2% of all applications, or 63.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Lendingone originated in Texas in 2025 was 7.02%, against a statewide median of 6.50%.
About this data. Figures are Lendingone'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