Planet Home Lending in Texas vs the state
14.6%Denial rate-4.84 pts vs state
15.2%Decision denial rate-9.71 pts vs state
79.8%Origination rate+24.89 pts vs state
5.99%Median rate-0.51 pts vs state
0.00Rate spread (pts)-0.19 pts vs state
$119kMedian applicant income
1,597Loans originated
292Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 921 | 661 | 22.3% | 6.50% | #163 |
| 2024 | 1,514 | 1,140 | 19.3% | 6.25% | #116 |
| 2025 | 2,002 | 1,597 | 14.6% | 5.99% | #97 |
What Planet Home Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Planet Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 169 | 121 | 36 | 21.3% |
| Denton County | 166 | 144 | 18 | 10.8% |
| Tarrant County | 138 | 109 | 15 | 10.9% |
| El Paso County | 129 | 109 | 16 | 12.4% |
| Dallas County | 123 | 98 | 16 | 13.0% |
| Collin County | 120 | 106 | 9 | 7.5% |
| Bexar County | 114 | 86 | 23 | 20.2% |
| Montgomery County | 54 | 39 | 13 | 24.1% |
| Johnson County | 50 | 41 | 7 | 14.0% |
| Ellis County | 48 | 42 | 2 | 4.2% |
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: 2,002 applications in 2025, of which 1,597 were originated and 292 denied.
14.6% 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 Planet Home Lending originated in Texas in 2025 was 5.99%, against a statewide median of 6.50%.
About this data. Figures are Planet Home Lending'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