Neighborhood in Texas vs the state
62.7%Denial rate+43.29 pts vs state
62.9%Decision denial rate+37.96 pts vs state
36.8%Origination rate-18.04 pts vs state
6.49%Median rate-0.01 pts vs state
0.76Rate spread (pts)+0.57 pts vs state
$108kMedian applicant income
168Loans originated
286Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 22 | 46.0% | 7.69% | #718 |
| 2024 | 62 | 37 | 40.3% | 7.75% | #649 |
| 2025 | 456 | 168 | 62.7% | 6.49% | #277 |
What Neighborhood lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Neighborhood applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 58 | 54 | 4 | 6.9% |
| Collin County | 24 | 22 | 2 | 8.3% |
| Tarrant County | 24 | 21 | 3 | 12.5% |
| Ellis County | 23 | 21 | 2 | 8.7% |
| Kaufman County | 18 | 14 | 4 | 22.2% |
| Denton County | 16 | 14 | 2 | 12.5% |
| Grayson County | 6 | 6 | 0 | 0.0% |
| Van Zandt County | 2 | 2 | 0 | 0.0% |
| Wise County | 2 | 2 | 0 | 0.0% |
| Galveston County | 1 | 1 | 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: 456 applications in 2025, of which 168 were originated and 286 denied.
62.7% of all applications, or 62.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Neighborhood originated in Texas in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Neighborhood'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