Merchants Capital in Texas vs the state
0.0%Denial rate-19.43 pts vs state
0.0%Decision denial rate-24.90 pts vs state
62.5%Origination rate+7.62 pts vs state
—Median rate
—Rate spread (pts)
—Median applicant income
5Loans originated
0Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 9 | 7.7% | — | #951 |
| 2024 | 16 | 13 | 12.5% | — | #895 |
| 2025 | 8 | 5 | 0.0% | — | #992 |
What Merchants Capital lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Merchants Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 2 | 2 | 0 | 0.0% |
| Galveston County | 1 | 0 | 0 | 0.0% |
| Harris County | 1 | 1 | 0 | 0.0% |
| Dallas County | 1 | 1 | 0 | 0.0% |
| Tarrant County | 1 | 0 | 0 | 0.0% |
| Anderson County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 0 | 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: 8 applications in 2025, of which 5 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Merchants Capital'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