LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Texas vs the state
9.6%Denial rate-9.82 pts vs state
17.1%Decision denial rate-7.81 pts vs state
39.1%Origination rate-15.83 pts vs state
6.12%Median rate-0.38 pts vs state
-0.20Rate spread (pts)-0.40 pts vs state
$174kMedian applicant income
435Loans originated
107Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 28 | 2.6% | 6.44% | #607 |
| 2024 | 451 | 177 | 6.7% | 6.37% | #265 |
| 2025 | 1,114 | 435 | 9.6% | 6.12% | #163 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 158 | 52 | 21 | 13.3% |
| Collin County | 113 | 49 | 8 | 7.1% |
| Denton County | 107 | 35 | 7 | 6.5% |
| Travis County | 98 | 40 | 12 | 12.2% |
| Tarrant County | 89 | 38 | 10 | 11.2% |
| Dallas County | 73 | 22 | 10 | 13.7% |
| Williamson County | 63 | 22 | 2 | 3.2% |
| Bexar County | 54 | 21 | 7 | 13.0% |
| Fort Bend County | 53 | 17 | 5 | 9.4% |
| Montgomery County | 31 | 14 | 3 | 9.7% |
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: 1,114 applications in 2025, of which 435 were originated and 107 denied.
9.6% of all applications, or 17.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Texas in 2025 was 6.12%, against a statewide median of 6.50%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage 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