Ony Glo in Texas vs the state
55.4%Denial rate+36.00 pts vs state
60.7%Decision denial rate+35.81 pts vs state
35.9%Origination rate-19.01 pts vs state
6.99%Median rate+0.49 pts vs state
0.21Rate spread (pts)+0.01 pts vs state
$127kMedian applicant income
33Loans originated
51Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 35 | 52.8% | 6.75% | #575 |
| 2024 | 46 | 18 | 52.2% | 6.75% | #705 |
| 2025 | 92 | 33 | 55.4% | 6.99% | #570 |
What Ony Glo lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Ony Glo applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 12 | 5 | 6 | 50.0% |
| Collin County | 9 | 5 | 4 | 44.4% |
| Tarrant County | 7 | 1 | 5 | 71.4% |
| Denton County | 7 | 4 | 1 | 14.3% |
| Bexar County | 6 | 2 | 3 | 50.0% |
| Williamson County | 5 | 1 | 3 | 60.0% |
| Montgomery County | 5 | 1 | 3 | 60.0% |
| Fort Bend County | 5 | 2 | 2 | 40.0% |
| Dallas County | 4 | 1 | 3 | 75.0% |
| Scurry County | 3 | 2 | 1 | 33.3% |
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: 92 applications in 2025, of which 33 were originated and 51 denied.
55.4% of all applications, or 60.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Ony Glo originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Ony Glo'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