Mortgage Financial Services in Texas vs the state
1.2%Denial rate-18.21 pts vs state
1.7%Decision denial rate-23.21 pts vs state
71.0%Origination rate+16.10 pts vs state
6.50%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.15 pts vs state
$101kMedian applicant income
1,746Loans originated
30Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,265 | 1,567 | 3.4% | 6.75% | #80 |
| 2024 | 2,661 | 1,718 | 2.3% | 6.63% | #71 |
| 2025 | 2,460 | 1,746 | 1.2% | 6.50% | #81 |
What Mortgage Financial Services lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Mortgage Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tom Green County | 327 | 267 | 0 | 0.0% |
| Tarrant County | 199 | 144 | 3 | 1.5% |
| Harris County | 193 | 128 | 3 | 1.6% |
| Bexar County | 150 | 100 | 3 | 2.0% |
| Webb County | 150 | 105 | 5 | 3.3% |
| Smith County | 137 | 104 | 1 | 0.7% |
| Bowie County | 113 | 91 | 0 | 0.0% |
| Taylor County | 73 | 58 | 0 | 0.0% |
| Denton County | 71 | 49 | 0 | 0.0% |
| Dallas County | 67 | 41 | 1 | 1.5% |
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: 2,460 applications in 2025, of which 1,746 were originated and 30 denied.
1.2% of all applications, or 1.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Mortgage Financial Services originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Mortgage Financial Services'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