Lima One Capital in Texas vs the state
24.8%Denial rate+5.37 pts vs state
34.1%Decision denial rate+9.17 pts vs state
48.0%Origination rate-6.88 pts vs state
9.33%Median rate+2.82 pts vs state
—Rate spread (pts)
—Median applicant income
120Loans originated
62Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 180 | 180 | 0.0% | 10.00% | #426 |
| 2024 | 385 | 185 | 25.2% | 9.95% | #287 |
| 2025 | 250 | 120 | 24.8% | 9.33% | #373 |
What Lima One Capital lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 54 | 27 | 14 | 25.9% |
| Dallas County | 34 | 16 | 10 | 29.4% |
| Bexar County | 16 | 5 | 5 | 31.3% |
| Bell County | 14 | 13 | 0 | 0.0% |
| Tarrant County | 11 | 1 | 4 | 36.4% |
| Guadalupe County | 9 | 0 | 0 | 0.0% |
| Waller County | 9 | 5 | 0 | 0.0% |
| Montgomery County | 9 | 5 | 0 | 0.0% |
| Travis County | 8 | 4 | 2 | 25.0% |
| Hidalgo County | 8 | 5 | 1 | 12.5% |
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: 250 applications in 2025, of which 120 were originated and 62 denied.
24.8% of all applications, or 34.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Lima One Capital originated in Texas in 2025 was 9.33%, against a statewide median of 6.50%.
About this data. Figures are Lima One Capital'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