OriginPoint in Texas vs the state
2.7%Denial rate-16.75 pts vs state
4.2%Decision denial rate-20.73 pts vs state
61.7%Origination rate+6.77 pts vs state
6.38%Median rate-0.13 pts vs state
0.20Rate spread (pts)+0.01 pts vs state
$175kMedian applicant income
299Loans originated
13Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,054 | 620 | 4.4% | 6.75% | #146 |
| 2024 | 884 | 556 | 2.5% | 6.75% | #183 |
| 2025 | 485 | 299 | 2.7% | 6.38% | #262 |
What OriginPoint lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most OriginPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 133 | 93 | 2 | 1.5% |
| Collin County | 62 | 29 | 0 | 0.0% |
| Harris County | 58 | 39 | 3 | 5.2% |
| Tarrant County | 57 | 37 | 1 | 1.8% |
| Denton County | 40 | 22 | 3 | 7.5% |
| Montgomery County | 24 | 17 | 0 | 0.0% |
| Rockwall County | 13 | 9 | 0 | 0.0% |
| Travis County | 12 | 4 | 1 | 8.3% |
| Fort Bend County | 9 | 5 | 0 | 0.0% |
| Parker County | 8 | 3 | 1 | 12.5% |
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: 485 applications in 2025, of which 299 were originated and 13 denied.
2.7% of all applications, or 4.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans OriginPoint originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are OriginPoint'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