Public Employees in Texas vs the state
17.0%Denial rate-2.48 pts vs state
23.5%Decision denial rate-1.37 pts vs state
55.1%Origination rate+0.20 pts vs state
6.19%Median rate-0.31 pts vs state
0.07Rate spread (pts)-0.12 pts vs state
$131kMedian applicant income
65Loans originated
20Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 128 | 62 | 22.7% | 6.19% | #508 |
| 2024 | 115 | 60 | 16.5% | 6.24% | #531 |
| 2025 | 118 | 65 | 17.0% | 6.19% | #521 |
What Public Employees lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Public Employees applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 56 | 36 | 6 | 10.7% |
| Williamson County | 24 | 10 | 4 | 16.7% |
| Hays County | 6 | 3 | 1 | 16.7% |
| Jefferson County | 5 | 0 | 4 | 80.0% |
| Bastrop County | 4 | 2 | 1 | 25.0% |
| Collin County | 3 | 1 | 2 | 66.7% |
| Harris County | 3 | 3 | 0 | 0.0% |
| Burleson County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 2 | 0 | 1 | 50.0% |
| Tarrant County | 2 | 1 | 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: 118 applications in 2025, of which 65 were originated and 20 denied.
17.0% of all applications, or 23.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Public Employees originated in Texas in 2025 was 6.19%, against a statewide median of 6.50%.
About this data. Figures are Public Employees'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