Mortgage Research Center in Texas vs the state
17.5%Denial rate-1.95 pts vs state
26.2%Decision denial rate+1.33 pts vs state
48.6%Origination rate-6.33 pts vs state
6.25%Median rate-0.25 pts vs state
-0.32Rate spread (pts)-0.52 pts vs state
$104kMedian applicant income
6,918Loans originated
2,491Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11,564 | 5,851 | 12.7% | 6.75% | #15 |
| 2024 | 12,689 | 6,431 | 14.5% | 6.25% | #14 |
| 2025 | 14,249 | 6,918 | 17.5% | 6.25% | #14 |
What Mortgage Research Center lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 1,288 | 571 | 235 | 18.2% |
| Harris County | 1,075 | 471 | 212 | 19.7% |
| Bell County | 932 | 522 | 138 | 14.8% |
| Tarrant County | 861 | 424 | 133 | 15.4% |
| El Paso County | 824 | 404 | 139 | 16.9% |
| Dallas County | 420 | 195 | 87 | 20.7% |
| Montgomery County | 403 | 170 | 69 | 17.1% |
| Denton County | 365 | 166 | 80 | 21.9% |
| Williamson County | 341 | 156 | 63 | 18.5% |
| Collin County | 326 | 132 | 63 | 19.3% |
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: 14,249 applications in 2025, of which 6,918 were originated and 2,491 denied.
17.5% of all applications, or 26.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Mortgage Research Center originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Mortgage Research Center'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