Loanpeople in Texas vs the state
3.2%Denial rate-16.19 pts vs state
4.5%Decision denial rate-20.43 pts vs state
69.2%Origination rate+14.28 pts vs state
6.63%Median rate+0.13 pts vs state
0.23Rate spread (pts)+0.04 pts vs state
$134kMedian applicant income
1,366Loans originated
64Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,584 | 1,083 | 2.3% | 6.63% | #108 |
| 2024 | 2,105 | 1,485 | 3.2% | 6.63% | #87 |
| 2025 | 1,975 | 1,366 | 3.2% | 6.63% | #100 |
What Loanpeople lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Loanpeople applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 609 | 412 | 7 | 1.1% |
| El Paso County | 540 | 382 | 31 | 5.7% |
| Bexar County | 180 | 136 | 4 | 2.2% |
| Williamson County | 179 | 118 | 3 | 1.7% |
| Harris County | 91 | 60 | 11 | 12.1% |
| Hays County | 61 | 46 | 0 | 0.0% |
| Comal County | 32 | 21 | 1 | 3.1% |
| Freestone County | 32 | 21 | 0 | 0.0% |
| Atascosa County | 14 | 10 | 1 | 7.1% |
| Fort Bend County | 13 | 11 | 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: 1,975 applications in 2025, of which 1,366 were originated and 64 denied.
3.2% of all applications, or 4.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Loanpeople originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Loanpeople'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