Liberty in Texas vs the state
9.6%Denial rate-9.81 pts vs state
12.4%Decision denial rate-12.50 pts vs state
68.0%Origination rate+13.07 pts vs state
6.63%Median rate+0.13 pts vs state
0.94Rate spread (pts)+0.75 pts vs state
$214kMedian applicant income
106Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 28 | 12.5% | 7.25% | #754 |
| 2024 | 59 | 52 | 3.4% | 7.25% | #658 |
| 2025 | 156 | 106 | 9.6% | 6.63% | #467 |
What Liberty lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Comal County | 20 | 17 | 0 | 0.0% |
| Navarro County | 12 | 9 | 1 | 8.3% |
| Ellis County | 11 | 8 | 1 | 9.1% |
| Harris County | 10 | 9 | 1 | 10.0% |
| Montague County | 9 | 8 | 0 | 0.0% |
| Bexar County | 8 | 5 | 0 | 0.0% |
| Dallas County | 6 | 3 | 0 | 0.0% |
| Tarrant County | 5 | 2 | 1 | 20.0% |
| Fort Bend County | 5 | 3 | 2 | 40.0% |
| Cameron County | 4 | 1 | 1 | 25.0% |
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: 156 applications in 2025, of which 106 were originated and 15 denied.
9.6% of all applications, or 12.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Liberty originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Liberty'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