Lower in Texas vs the state
6.4%Denial rate-13.01 pts vs state
8.7%Decision denial rate-16.16 pts vs state
66.2%Origination rate+11.28 pts vs state
6.50%Median rate0.00 pts vs state
0.24Rate spread (pts)+0.05 pts vs state
$137kMedian applicant income
1,752Loans originated
170Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,331 | 1,033 | 6.2% | 6.38% | #122 |
| 2024 | 4,520 | 2,963 | 5.3% | 6.63% | #41 |
| 2025 | 2,648 | 1,752 | 6.4% | 6.50% | #77 |
What Lower lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 314 | 228 | 7 | 2.2% |
| Tarrant County | 256 | 167 | 12 | 4.7% |
| Hidalgo County | 222 | 160 | 16 | 7.2% |
| Denton County | 219 | 141 | 12 | 5.5% |
| Dallas County | 200 | 145 | 7 | 3.5% |
| Harris County | 114 | 57 | 14 | 12.3% |
| El Paso County | 101 | 66 | 9 | 8.9% |
| Johnson County | 95 | 66 | 6 | 6.3% |
| Ellis County | 93 | 72 | 4 | 4.3% |
| Cameron County | 89 | 61 | 8 | 9.0% |
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: 2,648 applications in 2025, of which 1,752 were originated and 170 denied.
6.4% of all applications, or 8.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Lower originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Lower'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