Liberty Home Mortgage in Texas vs the state
10.0%Denial rate-9.43 pts vs state
15.4%Decision denial rate-9.52 pts vs state
50.0%Origination rate-4.88 pts vs state
7.38%Median rate+0.88 pts vs state
0.95Rate spread (pts)+0.76 pts vs state
$94kMedian applicant income
10Loans originated
2Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 19 | 4.7% | 7.13% | #737 |
| 2024 | 25 | 10 | 12.0% | 7.50% | #822 |
| 2025 | 20 | 10 | 10.0% | 7.38% | #865 |
What Liberty Home Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Liberty Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fort Bend County | 3 | 2 | 0 | 0.0% |
| Bexar County | 2 | 0 | 0 | 0.0% |
| Smith County | 2 | 2 | 0 | 0.0% |
| El Paso County | 2 | 0 | 0 | 0.0% |
| Harris County | 2 | 0 | 0 | 0.0% |
| Tarrant County | 2 | 1 | 0 | 0.0% |
| Hidalgo County | 1 | 0 | 1 | 100.0% |
| Kaufman County | 1 | 1 | 0 | 0.0% |
| Dallas County | 1 | 1 | 0 | 0.0% |
| Lubbock County | 1 | 1 | 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: 20 applications in 2025, of which 10 were originated and 2 denied.
10.0% of all applications, or 15.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Liberty Home Mortgage originated in Texas in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Liberty Home Mortgage'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