Oaktree Funding in Texas vs the state
5.0%Denial rate-14.40 pts vs state
5.4%Decision denial rate-19.46 pts vs state
45.9%Origination rate-8.97 pts vs state
7.50%Median rate+1.00 pts vs state
1.18Rate spread (pts)+0.98 pts vs state
$334kMedian applicant income
73Loans originated
8Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 228 | 52 | 15.4% | 9.13% | #372 |
| 2024 | 236 | 85 | 5.5% | 8.25% | #370 |
| 2025 | 159 | 73 | 5.0% | 7.50% | #459 |
What Oaktree Funding lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Oaktree Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 24 | 7 | 3 | 12.5% |
| Tarrant County | 14 | 6 | 0 | 0.0% |
| Ellis County | 13 | 12 | 0 | 0.0% |
| Dallas County | 13 | 4 | 0 | 0.0% |
| Collin County | 13 | 10 | 0 | 0.0% |
| Fort Bend County | 10 | 1 | 2 | 20.0% |
| Denton County | 10 | 3 | 1 | 10.0% |
| Travis County | 8 | 2 | 1 | 12.5% |
| Bexar County | 6 | 3 | 0 | 0.0% |
| Montgomery County | 5 | 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: 159 applications in 2025, of which 73 were originated and 8 denied.
5.0% of all applications, or 5.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Oaktree Funding originated in Texas in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Oaktree Funding'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