PFN Lending Group in Texas vs the state
18.5%Denial rate-0.89 pts vs state
23.4%Decision denial rate-1.50 pts vs state
59.6%Origination rate+4.67 pts vs state
6.88%Median rate+0.38 pts vs state
0.55Rate spread (pts)+0.36 pts vs state
$122kMedian applicant income
106Loans originated
33Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 265 | 151 | 7.6% | 6.99% | #341 |
| 2024 | 256 | 154 | 19.9% | 6.99% | #348 |
| 2025 | 178 | 106 | 18.5% | 6.88% | #434 |
What PFN Lending Group lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most PFN Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 22 | 12 | 3 | 13.6% |
| Harris County | 20 | 10 | 6 | 30.0% |
| Dallas County | 17 | 6 | 6 | 35.3% |
| Hays County | 16 | 13 | 0 | 0.0% |
| Travis County | 11 | 6 | 2 | 18.2% |
| Denton County | 10 | 8 | 2 | 20.0% |
| Williamson County | 7 | 6 | 1 | 14.3% |
| Collin County | 6 | 6 | 0 | 0.0% |
| Gillespie County | 6 | 4 | 1 | 16.7% |
| Montgomery County | 5 | 2 | 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: 178 applications in 2025, of which 106 were originated and 33 denied.
18.5% of all applications, or 23.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans PFN Lending Group originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are PFN Lending Group'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