Mlb Residential Lending in Texas vs the state
61.7%Denial rate+42.24 pts vs state
66.1%Decision denial rate+41.17 pts vs state
28.3%Origination rate-26.55 pts vs state
6.63%Median rate+0.13 pts vs state
0.75Rate spread (pts)+0.56 pts vs state
$84kMedian applicant income
17Loans originated
37Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 24 | 32.1% | 6.44% | #707 |
| 2024 | 40 | 17 | 45.0% | 6.25% | #730 |
| 2025 | 60 | 17 | 61.7% | 6.63% | #676 |
What Mlb Residential Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Mlb Residential Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 13 | 3 | 8 | 61.5% |
| Webb County | 11 | 3 | 6 | 54.5% |
| Dallas County | 5 | 0 | 5 | 100.0% |
| Hidalgo County | 3 | 0 | 3 | 100.0% |
| El Paso County | 3 | 1 | 2 | 66.7% |
| Cameron County | 3 | 1 | 1 | 33.3% |
| Travis County | 2 | 1 | 1 | 50.0% |
| Collin County | 2 | 0 | 2 | 100.0% |
| Brazoria County | 2 | 1 | 1 | 50.0% |
| Bexar 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: 60 applications in 2025, of which 17 were originated and 37 denied.
61.7% of all applications, or 66.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Mlb Residential Lending originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Mlb Residential Lending'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