Mid-Continent Funding in Texas vs the state
3.6%Denial rate-15.84 pts vs state
5.1%Decision denial rate-19.82 pts vs state
53.3%Origination rate-1.59 pts vs state
6.50%Median rate0.00 pts vs state
0.04Rate spread (pts)-0.15 pts vs state
$96kMedian applicant income
89Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 73 | 7.2% | 6.25% | #513 |
| 2024 | 180 | 111 | 6.1% | 6.13% | #426 |
| 2025 | 167 | 89 | 3.6% | 6.50% | #451 |
What Mid-Continent Funding lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Mid-Continent Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 19 | 12 | 1 | 5.3% |
| Harris County | 17 | 9 | 0 | 0.0% |
| Cameron County | 7 | 4 | 0 | 0.0% |
| Bell County | 7 | 5 | 0 | 0.0% |
| Tarrant County | 6 | 4 | 0 | 0.0% |
| Montgomery County | 6 | 2 | 0 | 0.0% |
| Hunt County | 6 | 3 | 0 | 0.0% |
| Dallas County | 5 | 3 | 0 | 0.0% |
| Travis County | 5 | 2 | 1 | 20.0% |
| Guadalupe County | 5 | 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: 167 applications in 2025, of which 89 were originated and 6 denied.
3.6% of all applications, or 5.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Mid-Continent Funding originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Mid-Continent Funding'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