Lrs Financial Network in Texas vs the state
1.6%Denial rate-17.80 pts vs state
1.9%Decision denial rate-23.02 pts vs state
85.3%Origination rate+30.43 pts vs state
6.63%Median rate+0.13 pts vs state
0.15Rate spread (pts)-0.04 pts vs state
$182kMedian applicant income
209Loans originated
4Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 305 | 248 | 4.3% | 6.75% | #322 |
| 2024 | 292 | 235 | 3.8% | 6.63% | #326 |
| 2025 | 245 | 209 | 1.6% | 6.63% | #378 |
What Lrs Financial Network lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Lrs Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Midland County | 176 | 152 | 1 | 0.6% |
| Burnet County | 9 | 6 | 0 | 0.0% |
| Tarrant County | 8 | 7 | 0 | 0.0% |
| Ector County | 8 | 8 | 0 | 0.0% |
| Lubbock County | 5 | 5 | 0 | 0.0% |
| Llano County | 5 | 3 | 1 | 20.0% |
| Denton County | 4 | 3 | 0 | 0.0% |
| Howard County | 3 | 1 | 0 | 0.0% |
| Hood County | 3 | 3 | 0 | 0.0% |
| Travis County | 3 | 3 | 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: 245 applications in 2025, of which 209 were originated and 4 denied.
1.6% of all applications, or 1.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Lrs Financial Network originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Lrs Financial Network'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