PHH Mortgage in Texas vs the state
9.5%Denial rate-9.96 pts vs state
20.3%Decision denial rate-4.57 pts vs state
36.2%Origination rate-18.68 pts vs state
6.50%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.11 pts vs state
$100kMedian applicant income
669Loans originated
175Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,011 | 290 | 35.8% | 6.99% | #150 |
| 2024 | 1,444 | 426 | 13.4% | 6.63% | #126 |
| 2025 | 1,848 | 669 | 9.5% | 6.50% | #109 |
What PHH Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 253 | 95 | 24 | 9.5% |
| Dallas County | 151 | 46 | 15 | 9.9% |
| Tarrant County | 129 | 51 | 15 | 11.6% |
| Collin County | 125 | 44 | 18 | 14.4% |
| Denton County | 105 | 35 | 7 | 6.7% |
| Bexar County | 91 | 28 | 8 | 8.8% |
| Travis County | 76 | 30 | 8 | 10.5% |
| Williamson County | 61 | 22 | 2 | 3.3% |
| Fort Bend County | 58 | 21 | 8 | 13.8% |
| El Paso County | 51 | 14 | 1 | 2.0% |
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: 1,848 applications in 2025, of which 669 were originated and 175 denied.
9.5% of all applications, or 20.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans PHH Mortgage originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are PHH Mortgage'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