Mortgage Access in Texas vs the state
0.6%Denial rate-18.80 pts vs state
0.8%Decision denial rate-24.07 pts vs state
75.0%Origination rate+20.12 pts vs state
6.38%Median rate-0.13 pts vs state
0.04Rate spread (pts)-0.15 pts vs state
$177kMedian applicant income
120Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 78 | 0.8% | 6.63% | #512 |
| 2024 | 103 | 74 | 1.9% | 6.81% | #552 |
| 2025 | 160 | 120 | 0.6% | 6.38% | #458 |
What Mortgage Access lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 26 | 19 | 1 | 3.8% |
| Harris County | 25 | 21 | 0 | 0.0% |
| Collin County | 22 | 16 | 0 | 0.0% |
| Midland County | 16 | 14 | 0 | 0.0% |
| Ellis County | 7 | 6 | 0 | 0.0% |
| Denton County | 7 | 5 | 0 | 0.0% |
| Fort Bend County | 7 | 4 | 0 | 0.0% |
| Dallas County | 6 | 4 | 0 | 0.0% |
| Brazoria County | 5 | 3 | 0 | 0.0% |
| Ector County | 4 | 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: 160 applications in 2025, of which 120 were originated and 1 denied.
0.6% of all applications, or 0.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Mortgage Access originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Mortgage Access'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