Neighborhood Loans in Texas vs the state
60.5%Denial rate+41.11 pts vs state
80.1%Decision denial rate+55.21 pts vs state
13.8%Origination rate-41.05 pts vs state
7.75%Median rate+1.25 pts vs state
-6.48Rate spread (pts)-6.67 pts vs state
$104kMedian applicant income
103Loans originated
451Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,299 | 769 | 27.6% | 6.88% | #125 |
| 2024 | 1,575 | 952 | 27.8% | 6.75% | #112 |
| 2025 | 745 | 103 | 60.5% | 7.75% | #202 |
What Neighborhood Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Neighborhood Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 163 | 17 | 100 | 61.3% |
| Dallas County | 126 | 20 | 80 | 63.5% |
| Denton County | 71 | 4 | 51 | 71.8% |
| Bexar County | 61 | 10 | 35 | 57.4% |
| Collin County | 50 | 2 | 34 | 68.0% |
| Nueces County | 43 | 15 | 21 | 48.8% |
| Harris County | 19 | 1 | 13 | 68.4% |
| Bell County | 18 | 5 | 5 | 27.8% |
| Parker County | 15 | 4 | 9 | 60.0% |
| San Patricio County | 15 | 4 | 7 | 46.7% |
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: 745 applications in 2025, of which 103 were originated and 451 denied.
60.5% of all applications, or 80.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Neighborhood Loans originated in Texas in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Neighborhood Loans'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