Resicentral in Texas vs the state
3.0%Denial rate-16.43 pts vs state
4.0%Decision denial rate-20.94 pts vs state
68.8%Origination rate+13.92 pts vs state
6.49%Median rate-0.01 pts vs state
0.17Rate spread (pts)-0.02 pts vs state
$136kMedian applicant income
527Loans originated
23Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 455 | 267 | 5.5% | 6.75% | #266 |
| 2024 | 660 | 423 | 4.2% | 6.63% | #213 |
| 2025 | 766 | 527 | 3.0% | 6.49% | #198 |
What Resicentral lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 149 | 104 | 6 | 4.0% |
| Travis County | 58 | 34 | 1 | 1.7% |
| Williamson County | 50 | 36 | 1 | 2.0% |
| Tarrant County | 49 | 29 | 3 | 6.1% |
| Denton County | 43 | 36 | 4 | 9.3% |
| Bexar County | 43 | 28 | 1 | 2.3% |
| Collin County | 39 | 29 | 1 | 2.6% |
| Dallas County | 38 | 25 | 1 | 2.6% |
| Montgomery County | 31 | 21 | 0 | 0.0% |
| Fort Bend County | 27 | 17 | 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: 766 applications in 2025, of which 527 were originated and 23 denied.
3.0% of all applications, or 4.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Resicentral originated in Texas in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Resicentral'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