Pacific Equity and Loan in Texas vs the state
15.2%Denial rate-4.21 pts vs state
15.2%Decision denial rate-9.68 pts vs state
50.0%Origination rate-4.88 pts vs state
12.00%Median rate+5.50 pts vs state
—Rate spread (pts)
$96kMedian applicant income
46Loans originated
14Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 7 | 3.9% | 12.00% | #839 |
| 2024 | 170 | 76 | 7.7% | 12.00% | #438 |
| 2025 | 92 | 46 | 15.2% | 12.00% | #569 |
What Pacific Equity and Loan lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
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 46 were originated and 14 denied.
15.2% of all applications, or 15.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Pacific Equity and Loan originated in Texas in 2025 was 12.00%, against a statewide median of 6.50%.
About this data. Figures are Pacific Equity and Loan'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