Member First Mortgage in Texas vs the state
12.8%Denial rate-6.66 pts vs state
20.1%Decision denial rate-4.80 pts vs state
47.4%Origination rate-7.46 pts vs state
6.25%Median rate-0.25 pts vs state
-0.11Rate spread (pts)-0.30 pts vs state
$145kMedian applicant income
156Loans originated
42Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 345 | 164 | 13.6% | 6.50% | #305 |
| 2024 | 343 | 168 | 13.1% | 6.25% | #302 |
| 2025 | 329 | 156 | 12.8% | 6.25% | #326 |
What Member First Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 51 | 27 | 7 | 13.7% |
| Dallas County | 44 | 22 | 7 | 15.9% |
| Collin County | 39 | 19 | 2 | 5.1% |
| Denton County | 37 | 23 | 1 | 2.7% |
| Harris County | 17 | 9 | 1 | 5.9% |
| Taylor County | 11 | 5 | 1 | 9.1% |
| El Paso County | 9 | 3 | 3 | 33.3% |
| Travis County | 9 | 1 | 2 | 22.2% |
| Parker County | 8 | 7 | 0 | 0.0% |
| Ellis County | 7 | 2 | 1 | 14.3% |
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: 329 applications in 2025, of which 156 were originated and 42 denied.
12.8% of all applications, or 20.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Member First Mortgage originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Member First 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