Loan Simple in Texas vs the state
6.2%Denial rate-13.20 pts vs state
9.1%Decision denial rate-15.76 pts vs state
61.9%Origination rate+6.99 pts vs state
6.75%Median rate+0.25 pts vs state
1.09Rate spread (pts)+0.90 pts vs state
$94kMedian applicant income
159Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 388 | 211 | 8.5% | 6.75% | #290 |
| 2024 | 227 | 136 | 5.7% | 6.75% | #376 |
| 2025 | 257 | 159 | 6.2% | 6.75% | #369 |
What Loan Simple lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Loan Simple applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 23 | 17 | 0 | 0.0% |
| Dallas County | 22 | 12 | 1 | 4.5% |
| Tarrant County | 20 | 13 | 1 | 5.0% |
| Fort Bend County | 10 | 6 | 0 | 0.0% |
| Montgomery County | 9 | 3 | 1 | 11.1% |
| Collin County | 9 | 7 | 0 | 0.0% |
| Kaufman County | 8 | 5 | 1 | 12.5% |
| Bexar County | 7 | 5 | 1 | 14.3% |
| Hidalgo County | 6 | 5 | 1 | 16.7% |
| Hays County | 6 | 4 | 2 | 33.3% |
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: 257 applications in 2025, of which 159 were originated and 16 denied.
6.2% of all applications, or 9.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Loan Simple originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Loan Simple'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