NFM in Texas vs the state
2.0%Denial rate-17.43 pts vs state
2.6%Decision denial rate-22.33 pts vs state
75.3%Origination rate+20.42 pts vs state
6.75%Median rate+0.25 pts vs state
0.56Rate spread (pts)+0.37 pts vs state
$110kMedian applicant income
1,055Loans originated
28Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 571 | 407 | 2.5% | 6.99% | #238 |
| 2024 | 796 | 592 | 2.8% | 6.99% | #191 |
| 2025 | 1,401 | 1,055 | 2.0% | 6.75% | #140 |
What NFM lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 443 | 313 | 15 | 3.4% |
| Montgomery County | 102 | 82 | 3 | 2.9% |
| Bexar County | 75 | 50 | 0 | 0.0% |
| Fort Bend County | 69 | 51 | 1 | 1.4% |
| Tarrant County | 68 | 48 | 0 | 0.0% |
| Denton County | 67 | 50 | 1 | 1.5% |
| Williamson County | 64 | 53 | 0 | 0.0% |
| Dallas County | 57 | 46 | 0 | 0.0% |
| Collin County | 48 | 40 | 0 | 0.0% |
| Hays County | 43 | 38 | 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: 1,401 applications in 2025, of which 1,055 were originated and 28 denied.
2.0% of all applications, or 2.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans NFM originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are NFM'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