Luxury Mortgage in Texas vs the state
22.5%Denial rate+3.11 pts vs state
33.3%Decision denial rate+8.43 pts vs state
42.3%Origination rate-12.63 pts vs state
7.31%Median rate+0.81 pts vs state
0.84Rate spread (pts)+0.65 pts vs state
$207kMedian applicant income
30Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 9 | 20.0% | 7.50% | #934 |
| 2024 | 101 | 53 | 13.9% | 7.50% | #555 |
| 2025 | 71 | 30 | 22.5% | 7.31% | #630 |
What Luxury Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Luxury Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 8 | 5 | 1 | 12.5% |
| Travis County | 7 | 3 | 2 | 28.6% |
| Montgomery County | 7 | 1 | 3 | 42.9% |
| Denton County | 6 | 2 | 0 | 0.0% |
| Harris County | 6 | 2 | 2 | 33.3% |
| Dallas County | 6 | 4 | 0 | 0.0% |
| Bexar County | 4 | 2 | 0 | 0.0% |
| Fort Bend County | 3 | 0 | 2 | 66.7% |
| Bell County | 3 | 2 | 1 | 33.3% |
| Kaufman County | 2 | 0 | 2 | 100.0% |
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: 71 applications in 2025, of which 30 were originated and 16 denied.
22.5% of all applications, or 33.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Luxury Mortgage originated in Texas in 2025 was 7.31%, against a statewide median of 6.50%.
About this data. Figures are Luxury Mortgage'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