NextMortgage in Texas vs the state
6.1%Denial rate-13.36 pts vs state
8.9%Decision denial rate-16.05 pts vs state
54.3%Origination rate-0.59 pts vs state
6.75%Median rate+0.25 pts vs state
0.40Rate spread (pts)+0.21 pts vs state
$104kMedian applicant income
152Loans originated
17Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 104 | 6.4% | 6.75% | #416 |
| 2024 | 248 | 137 | 7.3% | 6.88% | #359 |
| 2025 | 280 | 152 | 6.1% | 6.75% | #351 |
What NextMortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most NextMortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 163 | 89 | 10 | 6.1% |
| Montgomery County | 18 | 8 | 0 | 0.0% |
| Fort Bend County | 18 | 8 | 1 | 5.6% |
| Waller County | 16 | 8 | 1 | 6.3% |
| Tarrant County | 12 | 8 | 0 | 0.0% |
| Galveston County | 11 | 6 | 0 | 0.0% |
| Brazoria County | 6 | 3 | 1 | 16.7% |
| Denton County | 4 | 2 | 0 | 0.0% |
| Dallas County | 4 | 0 | 0 | 0.0% |
| Polk County | 3 | 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: 280 applications in 2025, of which 152 were originated and 17 denied.
6.1% of all applications, or 8.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans NextMortgage originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are NextMortgage'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